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| Earth+Style
Corporation (pronounced as Earth and Style Corporation) is
the leading lifestyle property developer. More than just a
real estate firm, the company is dedicated to providing its
customers with homes in warm and complete communities that
enhance their lifestyle and quality of life. Needless to say,
the Filipino family takes center stage in every Earth+Style
endeavor, as reflected in its developments geared towards
relationship-forming and community-building whilst enjoying
life's simple pleasures.
In its endless
passion towards the attainment of being the "customer's
company," Earth+Style has time and again proven its versatility
and innovation in churning out new and exciting offerings
for its customers. From conceptualizing creative and value-based
products such as the Earth+Style Villages and Earth+Style
Homes, Earth+Style is ceaseless in her pursuit for total customer
satisfaction.
In line with
our mission to be the lead provider of property-based residential
lifestyle values for the middle-income market, we support
Pag-IBIG's thrust in providing viable financing services to
enable our valued clientele to realize their dream of home
ownership. The Earth+Style and Pag-IBIG joint approach give
you reason to BELIEVE in the reality of providing your family
with the home of your dreams, at the most affordable prices,
amidst a picture-perfect environment.
Earth+Style
and Pag-IBIG create a responsive and sensitive solution to
the housing needs of the Middle Income Market, echoing sentiments
of hope and optimism to transform one's dream into a welcome
reality! |
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Earth+Style
Corporation, the lifestyle property developer, recently
signed a Memoranda of Agreement with Pag-IBIG Fund
which will extend funding commitment lines to Earth+Style
amounting to P200 million (with buyback arrangement)
and P400 million (without buyback arrangement) under
Pag-IBIG’s institutional housing program. The
agreement also covers housing loans to be taken out
from Pag-IBIG Fund by qualified members who will purchase
properties in the following Earth+Style housing projects
in Cavite: Parkplace Village, Grand Parkplace Village,
Pacific Parkplace Village and Villaggio Ignatius.
Shown during contract signing rites are (center) Pag-IBIG
Fund President and CEO Atty. Romero Quimbo and Earth+Style
Corporation President and CEO Victor H. Manarang flanked
by (from left) Pag-IBIG Fund SVP-Operations Tessie
Gonzales, Pag-IBIG Fund SVP-Technical Support Emma
Linda Faria, Undersecretary Armando de Castro, Secretary-General
of Housing and Urban Development Coordinating Council,
Gregorie W. C. Lee, Earth+Style Corporation Managing
Director, Adelaido de Guzman, President of Extraordinary
Development Corporation (sister company of Earth+Style
Corporation) and Jacinto C. Ng, Jr., Earth+Style Corporation
COO. |
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The Home Development Mutual
Fund (HDMF), more popularly known as Pag-IBIG Fund, was
created on June 11,1978 by virtue of Presidential Decree
No. 1530, later amended by Presidential Decree 1752 and
Republic Act 7742. The Pag-IBIG Fund was basically conceptualized
to address two of the country’s basic concerns: generation
of savings and provision of shelter for the workers. Pag-IBIG
is an acronym which stands for Pagtutulungan sa Kinabukasan:
Ikaw, Bangko, Industria at Gobyerno. In effect, Pag-IBIG
harnesses these four sectors of our society to provide its
members with adequate housing through as effective savings
scheme.
For more information, you can check out www.pag-ibig-fund.com.
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AM I A MEMBER
OF PAG-IBIG?
By default, with the signing of Republic Act No. 7742, all
SSS and GSIS members earning P 4,000 and above monthly are
covered by Pag-IBIG fund.
In addition, the Pag-IBIG fund is also open to the following
not covered under the default condition.
These are:
• Private and government
workers earning less than P 4,000 a month
• Self-Employed workers such as professionals and
businessmen
• Overseas Filipino Workers (OFW)
• Residents and immigrants in the US and Canada
• Informal income groups such as cooperative members
• Non-working spouses
HOW DO I KNOW IF
I AM ELIGIBLE FOR A PAG-IBIG LOAN?
1. You
must be a member under the Pag-IBIG program for at least
24 months as evidenced by your remittance of at least 24
monthly contributions at the time of loan application; or
2.
You must be a member of Pag-IBIG Overseas Program (POP)
for at least 12 months as evidenced by the remittance or
at least 12 monthly contributions.
A
member under Pag-IBIG shall be allowed to make a lump sum
payment equivalent to the required number of monthly contributions
to satisfy this requirement
Other
considerations:
a.) Not be more than 65 years old at loan maturity and must
be insurable
b.) Has the legal capacity to acquire and own property
c.) Has passed satisfactory background investigation as
required by the program
d.) Has no outstanding Pag-IBIG housing loan; either as
a principal borrower or co-borrower
e.) Has no outstanding Pag-IBIG multi-purpose loan in arrears
at the time of loan application. A member whose
multi-purpose loan is in arrears shall be required to pay
his arrearages to update his account
WHERE CAN THE LOAN BE USED?
The Pag-IBIG housing loan shall be used to finance any one
or a combination of the following:
•
Purchase of a lot and construction of a residential unit,
• Purchase of a residential house and lot, townhouse,
or condominium unit, inclusive of a parking slot, which
may be:
- Old or brand new
- A property mortgaged with
Pag-IBIG, or
- An acquired asset which
is disposed of through sealed public bidding or negotiated
sale; and
• Construction or completion of a residential unit
on a lot owned by the member.
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You may
borrow up to P2 million subject to your actual need, capacity
to pay, and the loan-to-collateral ratio. Likewise, there
is a corresponding ceiling for the monthly contribution as
follows:
BASED ON MONTHLY CONTRIBUTIONS |
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Membership
Category |
Monthly
Contribution |
Loan
Entitlement
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Pag-IBIG
Program |
P
100.00 |
Up
to 125,000.00 |
200.00 |
Over
P 125,000.00 - 250,000.00 |
300.00 |
Over
P 250,000.00 - 375,000.00 |
400.00 |
Over
P 375,000.00 - 500,000.00 |
600.00 |
Over
P 500,000.00 - 750,000.00 |
800.00 |
Over
P 750,000.00 - 1,000,000.00 |
1,000.00 |
Over
P 1,000,000.00 - 1,250,000.00 |
1,200.00 |
Over
P 1,250,000.00 - 1,500,000.00 |
1,400.00 |
Over
P 1,500,000.00 - 1,750,000.00 |
1,600.00 |
Over
P 1,750,000.00 - 2,000,000.00 |
Pag-IBIG
Overseas Program |
$20 |
Up
to 100,000 |
$40 |
Over
1,000,000 - 1,500,000 |
$50 |
1,500,000
- 2,000,000 |
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BASED ON CAPACITY
TO PAY
Based on capacity to pay, your monthly amortization shall
not exceed thirty three percent (33%) of your net disposable
income as supported by the Employment Contract or Certificate
of Income duly certified by your employer.
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Depending
on the type of membership and the amount of the loan, the
following tables serve as a brief guideline behind the terms
and interest rates of the Pag-IBIG loan program.
LOANABLE AMOUNT |
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Amount |
Term
of Loan |
Up
to P 500,000.00 |
Maximum
of 30 years |
Over
P 500,000.00 - P 2,000,000.00 |
Maximum
of 20 years |
*The
member - borrower shall be allowed to lengthen or
shorten the loan term only once during the life of the
loan.
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INTEREST
RATES |
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Loan
Amount |
If
payment is made on or before Due Date |
If
payment is made after Due Date |
Over
P 225,000.00 - 500,000.00 |
10% |
12% |
Over
P 500,000.00 - P 2,000,000.00 |
12% |
14% |
*Repricing
after 1st 5 years |
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LOAN REPRICING
Interest
rates on loans over P225,000 to P2,000,000 shall be fixed for
the first five years of the loan. At the beginning of 6th year,
HDMF shall reprice the outstanding balance of the loans not
lower than the following rates: |
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Loan
Amount |
If
payment is made on or before Due Date |
If
payment is made after Due Date |
Over
P 225,000.00 - 500,000.00 |
12% |
14% |
Over
P 500,000.00 - P 2,000,000.00 |
14% |
16% |
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OTHER
LOAN PROVISIONS
* LOAN PAYMENT TERMS
Age of Principal borrower is always the basis of a
loan term. *
RESTRUCTURING
The member-borrower shall be allowed to lengthen the loan
term ONLY ONCE during the entire loan program.
*
PRE-PAYMENT
In case of accelerated payments, any amount in excess of three
(3) monthly amortizations shall be applied to the outstanding
principal balance loan.
*
DEFAULT
It is when any of his co-borrowers fail to pay three (3) consecutive
monthly amortization and/or monthly contributions and other
obligations to the loan.
*
SECOND AVAILMENT
After full payment of housing loans, members are eligible
for 2nd availment whether as principal or co-borrower.
*
MEMBERSHIP
A Pag-IBIG member/borrower is required to maintain an active
fund membership for the entire term of his loan.
*
NON PAG-IBIG MEMBER
You may be allowed to make a lump sum payment equivalent to
the required number of monthly contributions to satisfy Pag-IBIG’s
basic requirement on total number of contributions -
depending on the amount of loan you want to avail of.
Regular
local buyers - 24 monthly contributions
Pag-IBIG Overseas Program - 12 monthly contributions
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INSUFFICIENT CONTRIBUTION
If your contribution is not sufficient to avail of the loan
amount desired, you could either:
• Upgrade your contribution, subject to Pag-IBIG approval
• Avail of a property with a lower Total Contract
Price (TCP) that matches your contributions
• Get a co-applicant - A maximum of three (3)
qualified Pag-IBIG members may be tucked in for a single
loan which is secured by the same collateral, provided they
are related within the first civil degree of consanguinity
or affinity. However, the following conditions must be met:
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All are living in the same house;
- Only legitimate children are allowed;
- Children must be single and not married; and
- A maximum of one (1) child’s net disposal income
may be tucked in if both parents are working.
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CHECKLIST
OF REQUIREMENTS FOR PAG-IBIG
30
Days from Payment of Full Reservation
Fully Accomplished Customer Information Sheet—Reservation
Agreement
2 pcs. 1x1 colored ID picture
Photocopy of valid ID with picture and signature
Income Tax Return (ITR) with W2 Confirmation Sheet
for the last 2 years with Bureau of Internal Revenue
(BIR) stamp immediately preceding the
date of loan application
Duly notarized Certificate of Employment and Compensation
(CEC)
Original copy of pay slips (most recent month)
Proof of Billing Address
Photocopy of Communication Tax Certificate
Photocopy of Tax Identification Number
Signed Contract to Sell and Real Estate Mortgage
documents
Pag-IBIG Loan Counseling Questionnaire (PLCQ)*
Membership Status Verification Slip (MSVS) from Pag-IBIG*
Duly accomplished Pag-IBIG Loan Application Form
(H1-11)*
Medical Questionnaire*
For Overseas Filipino Workers, additional documents required
are:
For Pag-IBIG Overseas Program (POP) members, ITR should
have been filed with Philippine Government through the respective
embassies or consulates, or the foreign government of their
workplace.
Employment Contract or Employer’s Certificate of Income
for POP members duly authenticated by Philippine Overseas
Employment Administration (POEA) or Philippine Embassy
*These
forms will be given during the Pag-IBIG Loan Counseling sessions.
Notes:
Some
other documents will be required depending on the nature of
purchase. For more details, please contact our Customer Service
Department at 638-1200 local 143 or through fax number 637-4440.
You may also email us at pagibig@earthandstyle.com.
It
is mandatory that buyers attend the Pag-IBIG Loan Counseling
when applying for Pag-IBIG loan because during the Pag-IBIG
Preliminary Loan Counseling they accomplish the Preliminary
Loan Counseling Questionnaire (PLCQ), update their Membership
Status Verification Slips (MSVS) and accomplish the HDMF Medical
Questionnaire.
Loan Counseling is held at:
*For Local Pag-IBIG customers:
Room 601, 6th Floor, The HDMF Corporate Headquarters
Atrium of Makati, Makati Avenue, Makati City
Mondays through Fridays
AM
Session |
PM
Session |
8:00
- 9:30 |
1:00
- 3:00 |
9:30
- 11:00 |
3:00
- 5:00 |
11:00 - 12:30 |
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Note: For loan counseling attendees, always bring company ID or any valid ID and pen. If Attorney-in-fact (ATF) will attend in behalf of the customer, bring Special Power of Attorney (SPA) document and a valid ID.
*For Pag-IBIG Overseas Program (POP):
Room 601, 6th Floor, The HDMF Corporate Headquarters,
Pag-IBIG Overseas, Atrium of Makati, Makati Avenue, Makati City
9:00-11:00AM Saturdays only
For
Pag-IBIG Overseas Program (POP), 2:00 - 4:00 pm every
Wednesday and Saturday
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To call
Pag-IBIG direct, dial 811-4041 or 811-4401 local 246 or visit
their website at www.pag-ibig-fund.com.
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*The following
table illustrates an estimate of new monthly amortizations
based on the present outstanding balance) when customer converts
to Pag-IBIG. |
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LOAN
VALUE or Outstanding Balance with Earth+Style |
Pag-IBIG
Interest Rates |
MONTHLY
AMORTIZATIONS
If Payment is made on or before due date |
Years
To Pay |
5 |
10 |
15 |
20 |
P
150,000 |
10% |
3,187 |
1,982 |
1,612 |
1,448 |
200,000 |
10% |
4,249 |
2,643 |
2,149 |
1,980 |
250,000 |
10% |
5,312 |
3,304 |
2,687 |
2,143 |
300,000 |
10% |
6,374 |
3,965 |
3,224 |
2,895 |
350,000 |
10% |
7,436 |
4,625 |
3,761 |
3,378 |
400,000 |
10% |
8,499 |
5,288 |
4,298 |
3,660 |
450,000 |
10% |
9,561 |
5,947 |
4,836 |
4,343 |
500,000 |
10% |
10,624 |
6,608 |
5,373 |
4,825 |
550,000 |
12% |
12,234 |
7,891 |
6,601 |
6,056 |
600,000 |
12% |
13,347 |
8,608 |
7,201 |
6,607 |
650,000 |
12% |
14,459 |
9,326 |
7,801 |
7,157 |
700,000 |
12% |
15,571 |
10,043 |
8,401 |
7,708 |
750,000 |
12% |
16,683 |
10,760 |
9,001 |
8,258 |
800,000 |
12% |
17,796 |
11,478 |
9,601 |
8,809 |
850,000 |
12% |
18,908 |
12,195 |
10,201 |
9,359 |
900,000 |
12% |
20,020 |
12,912 |
10,802 |
9,910 |
950,000 |
12% |
21,132 |
13,630 |
11,402 |
10,460 |
1,000,000 |
12% |
22,244 |
14,347 |
12,002 |
11,011 |
1,100,000 |
12% |
24,469 |
15,782 |
13,202 |
12,112 |
1,200,000 |
12% |
26,693 |
17,217 |
14,402 |
13,213 |
1,300,000 |
12% |
28,918 |
18,651 |
15,602 |
14,314 |
1,400,000 |
12% |
31,142 |
20,086 |
16,802 |
15,415 |
1,500,000 |
12% |
33,367 |
21,521 |
18,003 |
16,516 |
1,600,000 |
12% |
35,591 |
22,955 |
19,203 |
17,617 |
1,700,000 |
12% |
37,816 |
24,390 |
20,403 |
18,718 |
1,800,000 |
12% |
40,040 |
25,852 |
21,603 |
19,920 |
1,900,000 |
12% |
42,264 |
27,259 |
22,803 |
20,921 |
2,000,000 |
12% |
44,489 |
28,694 |
24,003 |
22,022 |
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Estimates
above do not include Pag-IBIG incremental costs. These costs
are composed of transfer of Transfer Certificate of Title
(TCT), annotation of mortgage, loan charges and other processing
costs. These costs are based on Total Contract Price (TCP),
loan value and house appraisal, if applicable.
You may be able to determine the estimate of your new Monthly
Amortization within the ranges of the remaining balance stated
above. For exact computation of Monthly Amortization, please
contact our Customer Service Department at telephone numbers
638-1200 local 143.
If you are an existing customer and wish to convert to Pag-IBIG,
click (here).
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Earth+Style
HOMES SAMPLE COMPUTATION
VILLA VILLAGGIO
XAVIER ESSENTIAL SA/B
Floor Area : 42 sq.m.
Lot Area : 108 sq.m.
Total Contract Price : P788,000
20% Down Payment : P157,600
Less Reservation Fee : P20,000
Net Down Payment : P137,600 / 12 months = P11,467
80% Balance Payment : P630,400 x .011012 (factor rate for
12% at 20 years to pay)
Monthly Amortization : P6,942
Estimates above do not include Pag-IBIG incremental costs.
These costs are composed of transfer of Transfer Certificate
of Title (TCT), annotation of mortgage, loan charges and other
processing costs. These costs are based on Total Contract
Price (TCP), loan value and house appraisal, if applicable.
If you are a new customer and wish to avail of a Pag-IBIG
loan, click (here).
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1. What is my benefit in availing of the Pag-IBIG payment scheme
versus your current in-house financing?
Pag-IBIG offers lower rates depending on the amount of loan
availed. A clear example is: A loan of P1 Million may have a
corresponding Pag-IBIG interest of only 12% versus in-house
financing at 18% to be repriced every five years. Therefore,
Pag-IBIG is more affordable since you are able to enjoy lower
rates. It gives you flexibility and better chances of finally
owning your dream home.
2. When I default on a particular month, does that mean
my interest shall automatically be changed up to the end of
the term?
The interest rates, if payments not made on or before the due
date shall apply only on the month where the delayed payment
occurred and not for the entire remaining year of the term.
3. Does Pag-IBIG have a program for Overseas Filipino Workers?
Pag-IBIG has a program called Pag-IBIG Overseas Program (POP),
a voluntary savings program which aims to provide Filipino overseas
workers / immigrants / permanent residents an opportunity to
save for their future and to avail of a housing loan.
4. Why are members required to undergo Loan Counseling
and update the MSVS?
This is a requirement of HDMF since this is the venue where
buyers are taught about how they should handle their loans,
how much they could avail, where to pay, etc. It is also during
Loan Counseling wherein you are asked to fill up the Medical
Questionnaire. Pag-IBIG’s insurance company needs this
for Mortgage Redemption Insurance (MRI) purposes.
5. What documents do I have to present when attending
loan counseling sessions? How do I go about this?
No
particular documents will be required when attending loan
counseling. All you have to do is mention our company name
(Earth+Style Corporation). The counselor will give you a loan
counseling form and medical questionnaire to fill up. After
these documents are submitted, the counselor will issue a
Membership Status Verification Slip (MSVS) to Earth+Style
after five working days, proof that you have attended loan
counseling.
6.
Are all required to accomplish a Medical Questionnaire?
The
Pag-IBIG medical questionnaire is mandatory. Depending on
the loan amount you will avail, you may also be required to
undergo a physical check-up. If you have undergone regular
annual physical check-ups and have copies of results, you
may submit this together with the Medical Questionnaire and
no longer be required to undergo another medical check-up.
HDMF has a listing of accredited clinics where you can have
your check-ups done.
7.
I am an overseas worker and/or living abroad at the time of
loan filing. Can my spouse attend the loan counseling on my
behalf?
Your
spouse may attend loan counseling on your behalf as long as
he or she brings a notarized Special Power of Attorney (SPA)
document. Click here to download
SPA with Spouse’s Marital Consent. Loan counseling is
held at the Home Development Mutual Fund (HDMF) Corporate
Headquarters, Pag-IBIG Overseas Program (POP) office, 6th
Floor, Atrium of Makati, Makati Avenue, Makati City every
Wednesday from 2-4pm and every Saturday from 9-11am. To call
Pag-IBIG direct, dial 811-4014 or 811-4401 local 246 or visit
their website at www.pag-ibig-fund.com.
8. What are the requirements to transfer my existing
in-house financing to Pag-IBIG?
To
convert your existing financing to Pag-IBIG, you must first
be Pag-IBIG member and your monthly contributions must meet
the minimum amount. In case, you do not meet the required
contributions, you may update it by paying the lump sum amount.
Then,
you must submit the required application documents (click
here to view requirements) and must pay
the Transfer Costs (TCosts). For further inquiries, contact
our Customer Service Department at 638-1200 local 143 or through
fax number 637-4440.
9.
What are Transfer Costs?
The
Transfer Costs (TCosts) are “natural” costs that
you need to settle as part of your obligatory rights of purchasing
a property.
The
following components make up the TCosts:
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Annotation of Assignment
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This is applicable only for 10/90 and 20/80
payment schemes (schemes with Deferred Real
Estate Mortgage) since during these schemes,
the only security of Pag-IBIG to the property
is the Contract to Sell (CTS) and title which
is still in the name of the developer.
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Pag-IBIG requires the developer to execute a
deed assigning the property in favor of Pag-IBIG.
Registry of Deed annotates on the title.
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Annotation of Mortgage
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A document that proves the property is being
financed by Pag-IBIG.
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With this document as well as the Annotation
of Assignment, the developer and the buyer CANNOT
sell or mortgage the property to anyone else.
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Transfer of Certificate of Title
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This is the actual transfer of title from the
developer’s name to the buyer’s
name.
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Pre-Paid Insurance
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Mortgage Redemption Insurance
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*
This protects the property in the eventual
natural death of the buyer such that property
becomes fully paid.
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*
The coverage takes effect during monthly amortization
though 1-year advance payments happen during
the down payment stage.
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Fire Insurance (for House & Lot only)
- Interim Insurance
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*
This covers the risk of death of the principal
borrower from release of Notice of Approval
(NOA) till Loan Take-Out.
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Contribution Upgrade
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Depending on the loan entitlement, buyers make
necessary adjustments in his contribution to
satisfy Pag-IBIG required monthly contribution
versus his loan entitlement.
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Loan Charges
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Appraisal Charges / Inspection Fees
- Loan Fees
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*
With HDMF, the fee is PhP1000 upon filing
and PhP2000 upon Loan Take-Out
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Documentary Stamps
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10.
I was a local Pag-IBIG contributor before I started working
abroad. If I transfer my contributions to POP, am I automatically
qualified to become a POP member?
As
an overseas worker, you must be a member of the POP to avail
of the Pag-IBIG program. Hence, a local member cannot use
his local contributions to avail of a loan with the POP.
He or she must first apply for membership with POP, where
payments are made in dollars, and show an employment contract
upon availing of a housing loan. You may also apply for
POP locally, subject to the requirements of local applicants.
11.
I am a POP member. May I avail of the same payment terms
as local members?
Yes.
However, since you are a POP member, you will have to pay
to a maximum of 10 years, whereas local buyers are to a
maximum of 30 years.
12.
May I apply for POP membership even while abroad?
Yes.
Simply visit the nearest Pag-IBIG office to apply and pay
for the membership fee. Membership fee may also be paid
at any accredited bank in your area. These payments will
be remitted to the Pag-IBIG main office in the Philippines.
13.
How much do I have to pay for POP membership?
Minimum
membership fee is US$20 per month (x12 months=US$240) to
automatically become a POP member. However, depending on
the amount of your loan, upgrading your contributions may
be necessary. This would require spot payments for three
months x the upgraded contribution.
14.
Who can I call for other Pag-IBIG inquiries and follow ups?
You
may contact Customer Assistance Department (CAD) at telephone
numbers 638-1200 local 143 or through fax number 637-4440.
You may also e-mail us at pagibig@earthandstyle.com.
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The American Homes of Earth+Style
available exclusively at
PARKPLACE VILLAGE &
GRAND PARKPLACE VILLAGE
Aguinaldo Highway , Imus, Cavite
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The Italian Homes of Earth+Style
available exclusively at
VILLAGGIO IGNATIUS
Trias-Amadeo Highway, Gen. Trias, Cavite
and
VILLAGGIO DI XAVIER
Jubilation Avenue, Jubilation New Biñan, Biñan, Laguna
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The Mediterranean Homes of Earth+Style
available exclusively at
PACIFIC PARKPLACE VILLAGE
Governor's Drive, Dasmariñas, Cavite
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The Asian homes of Earth+Style
available exclusively at
JUBILATION HOME VILLAGE WEST
Jubilation Avenue, Jubilation New Biñan,
Biñan, Laguna
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The Asian homes of Earth+Style
available exclusively at
JUBILATION HOME VILLAGE EAST
Jubilation Avenue, Jubilation New Biñan,
Biñan, Laguna
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PARKPLACE
VILLAGE
Aguinaldo Highway, Imus, Cavite |
PACIFIC PARKPLACE VILLAGE
Governor's Drive, Dasmariñas, Cavite
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GRAND PARKPLACE VILLAGE
Aguinaldo Highway , Imus, Cavite |
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VILLAGGIO IGNATIUS
Trias-Amadeo Highway , Gen. Trias, Cavite |
VILLAGGIO DI XAVIER
Jubilation Avenue , Jubilation New Biñan, Biñan, Laguna
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JUBILATION HOME VILLAGE WEST
Jubilation Avenue , Jubilation New Biñan, Biñan, Laguna |
JUBILATION HOME VILLAGE EAST
Jubilation Avenue , Jubilation New Biñan, Biñan, Laguna |
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SUNSHINE COUNTY
Trias-Amadeo Highway, Gen. Trias, Cavite
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SPRINGTIME COUNTY
Jubilation Avenue , Jubilation New Biñan,
Biñan, Laguna |
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