Pines Townhouse in Carmona Estates near Splash Island and

Enchanted Kingdom. For as low as Php 1,100,000 selling

price with 3 Bedrooms, 2 T&B, provision for 1 car garage
and balcony. Hurry and Avail the newest House Financing
from Pro-Friends, the Bank-IBIG were you can pay your
Down-payment for up to 24 months @ 0% interest and with
a package that you can move in on the 16th to 18 month
while still paying the downpayment. loanable amount of
10.5% per annum with no salary requirement. Come and
See to Appreciate! Ask me about Bank-IBIG affordable
financing from PRO-FRIENDS.

PINES

Carmona Estates is a sprawling development almost 60

hectares large, and composed of nine different phases.
Currently available are units in Carmona Estates 3,4,6, and
7.
Carmona Estates 6 was recently opened to the market.
At Carmona 6, the homeowner can enjoy the refreshing
warmth of home as he can take a walk amidst rich pine
trees, be refreshed at the pool, or chill out with family and
friends at the clubhouse.

Carmona Estates is conveniently located near the Carmona

Exit of the South Luzon Expressway, and just a few minutes
away from the Carmona town proper and public market. It
is only a 30 minute drive from the Makati Central Business
District and has access to schools, hospitals, and business
establishments in the nearby towns of Laguna. Definitely a
lot closer when compared to Sta Rosa, less busy compared
to Binan, and for those who live further south of
Laguna, Carmona Estates is strategically located midway for
all your personal and family lifestyle needs.

Its amenities allow you to enjoy the comforts of your

community for leisure, spirituality, and family fun.

Amenities and Facilities

Entrance Gate
Basketball Court
Clubhouse
Swimming Pool
Shuttle Service
Concrete Road Network
24-hour Security
Electricity provided by Meralco
Centralized Water System
Chapel
House Features:
Floor Area: 60 sq. m.
Lot Area: 50 sq. m.
Four (3) Bedrooms
2 Toilet and Bath
Living Area
Kitchen Area
Dining Area
Laundry / Service Area
Provision for 1 Car Garage
Provision for Front Lawn
Provision for CATV,
Telephone and Air-conditioning Unit

House Finishes:
Pre-painted Long Span Roofing
Painted Exterior and Interior Walls
Tiled Kitchen Counter with Stainless Kitchen Sink
Tiled Toilet and Bath
Ceramic Bathroom Fixtures
 Floor plan

Dining Area & Kitchen area

Living Area & Kitchen area

Bedroom 1

Bedroom 2
Bedroom 3
Toilet and Bath 1

Toilet and Bath 2

 Amenities

Clubhouse

Swimming pool
Basketball court 1

Elegant Entrance
Private school inside

Location Map
 Master plan

BANK- IBIG
Sample Computation for Bank-Ibig Financing
Pines in Carmona Estates,Carmona,Cavite
Lot area:50 sq.m. Floor Area:60 sq.m.
TOTAL SELLING PRICE: 1,100,000.00
TOTAL CONTRACT PRICE (inc. of Proc.Fee) 1,188,000.00
DOWNPAYMENT 237,600,00
Less: Reservation Fee 10,000.00
Net Equity 227,600.00
In 24 Months 9,483.33
LOANABLE AMOUNT 950,400.00
0.0214939 5 yrs. 20,717.64
0.0134935 10 yrs. 13,084.05
0.011053989 15 yrs. 10,737.49
0.009983799 20 yrs. 9,696.01
UNITS TURNOVER APPROX 16-18MONTHS WITH DP
PERIOD RANGE OF 24 MONTHS
NOTE:
Processing Fees includes Transfer of Title.
Interest rate is reference only.
Prevailing interest rate will apply upon loan takeout.
Developer will process loan. Tied up with Metrobank and UCPB.
Bank maximum approved amount will depend on salary & age (loan
maturity is 55 yrs.)

Frequently Asked Questions

Reservation fee is Php10,000 for PINES Model. It is not

refundable but is part of the downpayment. Buyer can
transfer reservation and downpayments to another person
or unit provided under same agent, developer and same
price or price is higher than old unit. All payments made
will be duly credited in the new owner/choosen unit. No
penalty or deduction of payment provided account is
updated and still on downpayment period. Just pay the
required transfer fee. Approval may takes 2-3 weeks.
Monthly Downpayment- your first downpayment will start
30 days after you paid your reservation. Hindi po sabay ang
pagbabayad ng reservation at first downpayment. For
precautionary measures that Agents may lose the Official
Receipts, it is highly recommended that Buyer or SPA get
directly from Developer.

Monthly Amortization - your first monthly amortization will

immediately start after you have fully paid the
downpayment. Hindi po magsasabay ang monthly
downpayment at monthly amortization.
Hidden charges? There are NO HIDDEN charges in PINES Model
@ Carmona Estates. Profriends does not charge MOVE-
IN fees. Client/Buyer will apply and pay for Water and
Meralco connection after house is turned-over and
accepted.

Water Connection- Estimated cost for water connection is

Php4,000 - Php5,000.00 (deposit & meter). Timetable is 1-
2 weeks from application date. Cost may vary depending on
choose project.

Meralco Connection - Estimated cost for electrical

connection is Php3,000-Php5,000.00 (deposit & meter).
Timetable is 3-4 weeks from application date. Cost may
vary depending on choose project.

Construction Bond - Is required BY PROFRIENDS only if

Buyer construct improvement (fence/balcony/etc) after
house is accepted. Estimated amount is Php10,500 or more
depending on housing project choose. This Bond will pay for
any damages (should there be any) during
construction/improvement period. Bond will be refunded if
there is no damage done during construction.

Pre-termination Fee - Profriends charge pretermination fee

only 14% if Buyer decides to loan the Balance or Loanable
Amount personally to Bank or Pagibig (Individual
Application). But only 42% of the Pretermination Fee
Amount will be paid by the Buyer who will apply the loan
with PAGIBIG Office personally or thru SPA. Profriends will
not handle the loan processing. Buyer will be paying
downpayment and amortization base on INHOUSE
computation.
There is NO Pre-termination Fee if Buyer choose straight
INHOUSE Financing. Balance will not be transferred to any
other financing.

Why there are different prices in the Internet?

1. Prices are higher for lots facing east or morning sun, than lots
facing west.
2. Prices are higher for lots located near Entrance Gate,
Amenities and Main Roads.
The farther the lot from the entrance gate, the cheaper is
the price.
3. A Corner Lot and End Lot is higher than inner lot due to
bigger lot area.
4. Prices may have increased by the time you viewed the
posted ads, so it is
highly recommended to ask for an updated pricelist.
5. Profriends, Inc. has only ONE PRICELIST for all AGENTS
and BROKERS.
6.So, be careful and be safe. Choose your Agents well.

Required Documents – BANK- IBIG FINANCING

1.) 3 pcs. ID picture 1x1 (applicant)

2.) 2 Valid ID's (if married: husband & wife & Attorney-in-
Fact)
3.) Cedula
4.) Birth Certificate (if single) or Marriage Contract ( if
Married)
5.) Proof of Billing Address or Certification from Owner if
Renting
6.) TIN
7.) Latest Income Tax Return or ITR (OFW are exempted)
8.) Postdated Checks:

If Buyer or SPA has no existing checking account, Profriends

will give Bank Referral Letter so Buyer can open a checking
account ONLY with PLANTERS DEVELOPEMENT BANK (PDB)
IMUS BRANCH. Bank referral is not acceptable with other
branches of Planters Development Bank or any other bank.
Only Php 5,000.00 is needed to open an account.

Required Checks to Issue:

A.) 24 pcs. Down-payment or According to DP terms
B.) 36 pcs. for Monthly Amortization
C.) 12 pc. Guarantee Check
E.) Total Required Checks: 72 Checks

If OFW, Add These Documents:

Passport
Special Power of Attorney duly Consularized in place of Work
Job Contract (Email Address of Employer Must Be Indicated)

We thank you for viewing our advertisement.

We service free tripping and site viewing daily.
Godbless you and your family.
We hope to see you soon!
Advertised by: Brian and Malou Andulan
Globe: 0917-7503718
Smart: 0949-4399124
Sun : 0932-4111715
Manila line: 994-1773
Website: www.dreamtoaddress.com
YM : dreamtoaddress@yahoo.com
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www.twitter.com/dreamtoaddress
Master Plan