Friday, March 6, 2015

Real Estate Broker License Renewal

Last week, I filed for the renewal of my Real Estate Broker License at the PRC. Just in case there are still real estate brokers who are not familiar with the process, here's what I brought with me.

1. Notarized Original and Photocopy of training certificates equivalent to 45 hours - spent about P10,500 to attend seminars/trainings. PRC staff only got the photocopy
2. Surety Bond for Real Estate worth P20,000.00
I got my surety bond from United Insurance Company, Inc for P1,650.00. Look for Rochelle at the 5th Floor Federal Tower, Dasmariñas Street Corner Muelle De
Binondo, Binondo Manila.  From Lawton, ride a jeep going to Divisoria and alight the next street after the arc or the corner of Sunlife office. Turn left and proceed to walk until after the bridge. It is the building on the left side of the street after the bridge.
I was informed a surety bond can be also purchased infront of PRC for P2,500 and you can get it immediately. PRC staff got 2nd original copy.
3. Passport size ID picture in white background with tag.  I brought 4 pcs and paid P60 but only 1 pc was required.
4. Photocopy of PRC registration, PRC License and valid ID and paid P6 but it was not required.
5. Payment of P630.00 including surcharges for late renewal.
6. Paste to attach the ID picture in the renewal form.

If you plan on bringing a car, a pay parking is available infront of the PRC building. Charge for the first 3 hours is P30.00 and P20.00 for the succeeding hours. I paid P70.00 for (unlimited) parking until 12noon since I arrived before 6:30AM and I was not sure how long it will take me to process knowing I might be required to file affidavit of loss, etc for the lost of license. Fortunately, I don't need one because according to them, the ID is already expired. I finished before 9AM.

I will return at the PRC to get my new ID after 2 weeks. :)


Monday, November 24, 2014

Pag-ibig Loan Documentary Requirements

Below is the list required by Pag-ibig when applying for a housing loan.


DOCUMENTS REQUIRED UPON LOAN APPLICATION
 
A. Documentary Requirements
  1. Housing Loan Application with recent ID photos of borrower
  2. Membership Status Verification Slip
  3. Proof of Income
    3.1 For Locally Employed, any of the following:
    1. Notarized Certificate of Employment and Compensation (Pag-IBIG format)
    2. Notarized Certificate of Employment and Compensation (Employer’s format) and latest one (1) month payslip
    3. Income Tax Return/Certificate of Tax Withheld (BIR Form No. 2316) and latest one (1) month payslip
    3.2 For Self-Employed/Other Sources of Income
    1. ITR, Audited Financial Statements and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit
    2. Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months)
    3. Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances, pensions, etc.)
    4. Copy of Lease Contract and Tax Declaration (if income is derived from rental payments)
    5. Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for other Public Utility Vehicle or PUVs)
    6. Certificate of Engagement issued by owner of business
    7. Other document that would validate source of income
    3.3 For Overseas Filipino Workers (OFWs), any of the following:
    1. Employment Contract (with English translation if in foreign language)
    2. Original Employer’s Certificate of Income (with English translation if in foreign language). If document submitted is photocopy, it shall be duly validated and certified/initialed by HDMF Information Officer assigned in the country where the member works
    3. Other Proofs of Income, whether original or photocopy, shall be duly validated and certified/initialed by HDMF Information Officer assigned in the country where the member works
  4. Photocopy (back-to-back) of one (1) valid ID of Principal Borrower and Spouse, Co-Borrower and Spouse, and Attorney-In-Fact, if applicable. The same ID must be presented during the conduct of borrower’s validation.
  5.  Authorization to Conduct/Credit Background Investigation
  6. For OFW members, Special Power of Attorney notarized prior to date of departure or duly certified and authenticated by the Philippine Embassy or Consulate in the country where the member is staying, if abroad
  7. Insurance Coverage
    1. Health Statement Form (Medical Questionnaire)
      • OFW members over 60 years old
      • Loans over P2.0 M to P3.0 M and for borrowers aged up to 60 years old
    2. Health Statement Form (Medical Questionnaire) and Full Medical Examination
      • Borrowers over 60 years old
  8. Marriage Contract (For all married borrower/s, co-borrower/s, spouse, family member/s included on the computation of aggregate income)
  9. Birth Certificate or any proof of relationship, if with co-borrower/s or family member/s included on the computation of aggregate income
The Pro-forma Health Statement Form (Medical Questionnaire) is available at the Members Services Support Division-Servicing Department for NCR or at any Pag-IBIG Regional Branch or downloadable from the Pag-IBIG website, www.pagibigfund.gov.ph.

Housing Loan Pag-ibig Membership Requirements

Eligibility Requirements

To qualify for a Pag-IBIG housing loan, a member shall satisfy the following requirements:
  1. On Pag-IBIG Membership
    • Must be a member under the Pag-IBIG I, Pag-IBIG II or Pag-IBIG Overseas Program (POP) for at least twenty-four (24) months, as evidenced by the remittance of at least 24 monthly contributions at the time of loan application.
    • A member with less than the required number of contributions applying for a Pag-IBIG housing loan shall be allowed to make lump sum payment based on the mandatory monthly membership contribution rates (both EE and ER share) to meet the said requirement at point of loan application provided he has been a contributing member of the Fund for at least twelve (12) months. Lump sum payment of membership contributions shall be considered a single contribution for the applicable month as of the payment date.
    • A member whose loan exceeds P500,000.00 shall be required to pay the upgraded membership contribution rates upon housing loan approval and onwards.
    • A member who has contributed for at least two (2) years and whose loans exceed P500,000.00 shall be required to pay the upgraded contribution rates upon housing loan approval and onwards.

      For purposes of satisfying the required two (2) years membership contributions, the member may opt to pay in lump sum any amount short of the said requirement. In addition, the period corresponding to the TAV applied earlier to an outstanding loan shall also be considered when counting the total number of monthly contributions, provided the remaining TAV after offsetting does not fall below the equivalent amount of two (2) years membership contributions.
  2. Not more than sixty-five (65) years old at the date of loan application and must be insurable; provided further that he is not more than seventy (70) years old at loan maturity;
  3. Has the legal capacity to acquire and encumber real property;
  4. Has passed satisfactory background/credit and employment/business checks of the Pag-IBIG Fund;
  5. Has no outstanding Pag-IBIG housing loan, either as a principal borrower or co-borrower;
    However, should a co-borrower in a tacked loan signify an intention to avail of a Pag-IBIG housing loan for himself, he shall be allowed to do so provided the tacked loan is updated and the amount proportionate to his loan entitlement has been fully paid. Hence, the co-borrower shall be released from the original obligation and shall be allowed to avail of his own Pag-IBIG housing loan, subject to standard evaluation procedures.
  6. Had no Pag-IBIG housing loan that was foreclosed, cancelled, bought back due to default, or subjected to dacion en pago, which shall include cases where the borrower is no longer interested to pursue the loan and surrenders the property;
  7. 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 over the counter to update his account.

Source: http://www.pagibigfund.gov.ph/benpro/Housing/hl_eligibility.htm

Sunday, August 3, 2014

MURANG PABAHAY SERIES (LEONIE) SA CAVITE BY SMDC

 

As part of SMDC's corporate social responsibility, it currently offers among it's murang pabahay or affordable housing units the Leonie model house, a 2-story duplex.

Sample Computation:
Lot Area: 120 SQM
Floor Area: 62.5 SQM
TCP: 1,940,000
Reservation Fee: 10,000
DP: 18,189 (12 MOS) 
BALANCE: 1,880,529 
M.A.: 18,512 (15 YRS) 

FOR MORE INFO/TRIPPING, CONTACT MOBILE/VIBER O9178667732 OR PM ME

Saturday, August 2, 2014

Murang Pabahay Sa Cavite, Single Attached (Celine Model), by SHDC - SMDC


Celine Model Unit
Single Attached with Loft and 2BR

SAMPLE COMPUTATION
Lot Area: 120 sqm
Floor Area: 50 sqm
TCP: 1372,796
Reservation Fee: 10,000
Downpayment: 11,809 (12mos)
Balance: 1,222,096
MA: 12,310.04 (15 yrs)

Location: Brgy. Pasong Kawayan II, General Trias, Cavite

Lots and other house and lots are also available.

FOR MORE INFO/TRIPPING, CONTACT MOBILE/VIBER O9178667732 OR PM ME

Thursday, December 5, 2013

Robinsons Homes Design Collection

Robinsons Homes offers families the freedom to use their own home designs or choose from its Robinsons Homes Design Collection. Standard house specifications are

HOUSE SPECIFICATIONS
FLOORS Vitrified floor tiles at ground floor, vinyl tiles at 2nd floor
EXTERIOR WALLS Concrete in cement plaster finish, painted
INTERIOR WALLS Plastered wall boards, painted
CEILINGS Painted underside of slab at ground floor, painted ceiling board at second floor
ROOF Pre-painted long span G.I. roof sheets on steel framing
DOORS Solid panel on main entrance, flush hollow core at bedrooms, PVC at toilet/baths
WINDOWS Steel casement with clear glass
KITCHEN Granite counter top, stainless steel kitchen sink
TOILET & BATH Ceramic floor tiles and vitrified floor tiles, flush type water closet, lavatory, shower head
PLUMBING Fusion type waterline system, complete sewage system
ELECTRICAL Circuit breaker type, modern design electrical devices
STAIRS Vinyl or vitrified floor tiles on concrete stairs. steel railings with wooden handrail


SPACE TO LIVE, A HOME TO LIVE

These homes feature the privacy of three bedrooms and the luxury of four bathrooms, with room enough for the whole family to share and bond. Comfortable living clad in stylish earth-toned hues, with romantic balconies and terraces, these generous homes are ideal for fully-grown families for those who long to come home to spacious living

Megara

Anastacia


FUNCTIONS MEETS FAMILY

With spaces intimate enough for family bonding moments, yet spacious enough for comfortable, easy living, these are a perfect fit for start-up and growing families. Featuring two to three bedrooms with balconies and terraces overlooking landscapes vistas and versatile spaces to shape to your family’s unique needs, these are truly homes to live happily ever after in

Alice

Aurora

Simba

Wendy

COME HOME TO SIMPLE COMFORTS

These two bedroom homes are the essence of cozy living: small, intimate spaces that don’t comrpmise on quality. Well-considered designs means every space is maximized, resulting in a home that’s small in size but big at heart. Truly a home that’s part of the family


Winnie

Zuri

Monday, December 2, 2013

FOR SALE: Gabrille Affordable House and Lot, Imus Cavite


GABRIELLE

Gabrielle house model is a 84 sqm single attached house on 120 sqm lot area. It has three bedrooms, two toilets and baths, a living room, dining area, kitchen, option of a Family Courtyard or a Family Enclave, provision for a lanai and two-car garage.

House Features

Living Area
Dining Area
Kitchen
Three Bedrooms
Two Toilets and Baths
Provision for Lanai
Provision for Two-car Garage
Option of Family Courtyard or Family Enclave

Materials & Finish

Concrete Roof Tiles
Powder Coated Aluminum Windows
Painted sand Blast Finish for Exterior Walls
Painted Plain Cement Finish for Interior Walls
Tiled kitchen counter with stainless kitchen sink
Tiled Toilet and Bath with Complete Set of Bathroom Fixtures (Including Tissue and Soap Holder)
Tiled Ceramic Flooring for Living, Dining, and Kitchen Area
Tiled Vinyl Flooring for Bedrooms, Hallway, and Staircase
Provision for CATV, Telephone, and Air Condition Outlet

MS2-0163
Lot Area: 84 sqm
Floor Area: 120 sqm
TCP: P2,527,200
Reservation Fee: P20,000
Down Payment (12.5%): P24,659 / 12 months
Balance (87.5%) - Bank Financing @8%: P19,538 monthly / 20 years

Contact
VER Realty
Website:http://propertymo.com/
Mobile/Viber No: +639178667732 (Globe)
FB page: www.facebook.com/PropertyMo

AvidaLand Financing Requirements

AvidaLand Financing requirements

Basic Requirements
  • Photocopy of two valid government issued ID’s with signature
  • Photocopy of past 3 mos. Bank statements
  • Latest Income Tax Return (ITR)
  • Latest Financial Statement
  • Proof of Billing (e.g. credit cards, MERALCO)
Additional Requirements
  • Certificate of Employment with status and compensation]
  • Latest 1 month payslip
For Pag-IBIG Accounts
  • MSVS (Membership Status Verification Slip) with PCLQ
  • Recent 1x1 ID Picture (3 copies)
For OFW
  • three (3) months remittance record/ bank credit of salary/ payslips
  • Latest Income Tax Return filed in host country
  • SPA Authenticated by Philippine consulate
  • English translation of COE (if applicable)
For Self-employed
  • Certificate of registration issued by the SEC or DTI, whichever is applicable
  • Corporate/Business ITR for past 2 years
  • Business License for current year

FOR SALE: Dorina (uphill) House and Lot, near Tagaytay




FOR SALE: Dorina (uphill)
Location: Aguinaldo Highway, Silang, Cavite (3 minutes ride away from Tagaytay)

Floor Area: 83 sqm
Lot Area: 99 sqm

TCP: P4,118,762
Discount: P100,000
Discounted TCP: P4,018.762
Reservation Fee: P20,000
Downpayment (12 months to pay): P39,363/mo
Balance @ 8% p.a. (20 yrs): P29,413/mo
Balance @ 8% p.a. (15 yrs): P33,605/mo

Just 3 minutes away from the Tagaytay Rotunda, it is at the crossroads of Silang-Tagaytay, located along Aguinaldo Highway and less than 100 meters to Tagaytay City, making it really close to the cool views of the city. The property’s excellent location in a much cooler climate makes it possible for residents to experience a resort-inspired lifestyle within a nature-rich setting. Major roads such as Aguinaldo Highway, Sta. Rosa-Tagaytay Road, Tagaytay-Calamba Road and Tagaytay-Nasugbu Highway provide easy access to highly urbanized areas. It is complete with amenities – inclusive of a fitness trail, a butterfly sanctuary and a bird aviary.

Contact
VER Realty
Website:http://propertymo.com/
Mobile/Viber No: +639178667732 (Globe)
FB page: www.facebook.com/PropertyMo






Landmark

Church
Pink Sisters, Nuestra Señora de Candelaria, International Adventist Church, St. Paul Seminary

Mall
SM and Robinson's

Terminal Station
Silang-Tagaytay Terminal, Silang Bus Stop, Tagaytay Bus Stop, Olivarez Terminal

School
De La Salle, St. Scholastica's College, Rogationist College

Marketplace
Mahogany Market, Tagaytay City Market

Major Road
Emilio Aguinaldo Highway, Tagaytay-Calamba Highway, Tagaytay-Nasugbu Highway, Sta. Rosa-Tagaytay Road

Transportation
Jeep, Bus, Van, Tricycle

Other Landmarks
Nurture Spa, Tagaytay Rotunda, Sky Ranch, Puregold, People's Park, Tagaytay Highlands, Crosswinds




Sunday, December 1, 2013

CARMINA UPHILL FOR SALE HOUSE AND LOT NEAR TAGAYTAY


FOR SALE: CARMINA (uphill)
Location: Aguinaldo Highway, Silang, Cavite (3 minutes ride away from Tagaytay)

Floor Area: 65 sqm
Lot Area: 88 sqm

TCP: P3,224,985
Discount: P100,000
Discounted TCP: P3,124,985
Reservation Fee: P20,000
Downpayment (12 months to pay): P20,886/mo
Balance @ 8% p.a. (20 yrs): P22,871
Balance @ 8% p.a. (15 yrs): P26,131 

Just 3 minutes away from the Tagaytay Rotunda, it is at the crossroads of Silang-Tagaytay, located along Aguinaldo Highway and less than 100 meters to Tagaytay City, making it really close to the cool views of the city. The property’s excellent location in a much cooler climate makes it possible for residents to experience a resort-inspired lifestyle within a nature-rich setting. Major roads such as Aguinaldo Highway, Sta. Rosa-Tagaytay Road, Tagaytay-Calamba Road and Tagaytay-Nasugbu Highway provide easy access to highly urbanized areas. It is complete with amenities – inclusive of a fitness trail, a butterfly sanctuary and a bird aviary.

Contact
VER Realty
Website:http://propertymo.com/
Mobile/Viber No: +639178667732 (Globe)
FB page: www.facebook.com/PropertyMo



 
SEC. 29. Prohibition Against the Unauthorized Practice of Real Estate Service. - No person shall practice or offer to practice real estate service in the Philippines or offer himself/herself as real estate service practitioner, or use the title, word, letter, figure or any sign tending to convey the impression that one is a real estate service practitioner, or advertise or indicate in any manner whatsoever that one is qualified to practice the profession, or be appointed as real property appraiser or assessor in any national government entity or local government unit, unless he/she has satisfactorily passed the licensure examination given by the Board, except as otherwise provided in this Act, a holder of a valid certificate of registration, and professional identification card or a valid special/temporary permit duly issued to him/her by the Board and the Commission, and in the case of real estate brokers and private appraisers, they have paid the required bond as hereto provided.
Set Your Price. Choose your Advertisers. Sign up for SocialSpark!