Modern Homes NL

For your reference dear clients 🏠♥️

PAG-IBIG HOUSING LOAN TIPS 👍🏼

If kumuha ka ng house sa subdivision through PAG-IBIG, take note of these tips:

✅ Always pay your monthly amortization and monitor it online via virtual pag-ibig website. They don't send monthly bills so pay your monthly amortization diligently para di lumobo utang mo.

✅ Yung binabayaran mo na monthly amortization, naku ang liit lang ng napupunta nyan sa principal. I asked the staff sa pagibig and they told me about the breakdown of my P9,555.34 Monthly Amortization:

P7,166.67 interest
P235.80 Fire
P360 insurance
P1,792.87 Principal 😭
= P9,555.34 total monthly Amortization

Diba ang liit ng kaltas sa principal. Ang laki ng bayad sa interest. 😭

✅ This is how you compute your monthly interest. Bigay ko na example yung amin.

1.6M = principal (total amount ng utang namin)
5.375% = annual interest
divided by 12 months

1.6M x 5.375% ÷ 12 = P7,166.67

✅ That's why, it is highly recommended to pay in advance sa principal mismo if you have extra money para lumiit din ang interest na binabayaran mo. For example, after 5 years, 1M na lang principal mo so 1M x 5.375% ÷ 12 = P4,479.17

✅ Di bababa ang monthly amortization mo BUT because smaller na ang interest, BIGGER na ang kaltas sa principal mo.

✅ If you have extra money and you want to pay in advance, go directly to pag-ibig office and sabihin EXCESS TO PRINCIPAL yung payment mo.

---For example, magbabayad ka ng 50k and
10k ang monthly amortization,
the excess which is 40k will be deducted directly sa principal amount mo. So nakabayad ka na ng monthly Amortization, nabawasan pa principal mo.

✅ Iwasan mag advance payment sa monthly amortization sa bayad centers. Mababa lang nababawas nyan sa principal mo. Bayad ka na lang sa principal.

---For example, if nag bayad ka sa payment centers ng 50k for your monthly amortization, meaning you don't need to pay for 5 months kasi nag advance ka na sa monthly amortization mo. Pero ang liit lang ng kaltas nyan sa principal mo.

✅ You can pay the principal ONLY IN PAG-IBIG OFFICE not in bayad centers.

✅ For example, nakabayad ka na ng monthly mo sa bayad center last April 1 tapos may extra money ka pala before your due date and you want to pay in advance, pwede pa yan. Punta ka ng pagibig office and say you'll pay DIRECT TO PRINCIPAL. Para whole amount na mabayad sa principal.

That's based on my experience and based sa sabi ng staff sa pagibig. If you have other tips, please share it. I hope this can help you guys. We need to be financially literate para di tayo mabaon sa utang. God bless mga kapitbahay. 😁





Please visit the nearest PAG IBIG office
in your locality to address your concerns. 🙂
Kasi iba iba po yung cases ninyo. Thank you!

Wanna know what's new in Talanai Homes Mabalacat? 😍
Introducing the new model 𝐀𝐏𝐈𝐓𝐎𝐍𝐆 with it's larger floor area and more elegance looking. You're gonna love this one! 🤎

For as low as 10,605.79 monthly! 🥰

Location-wise, near Amenities such as Basketball Court, Playgrounds and Parks. ✔

HOUSE DETAILS:
• Single Attached
• Complete Finished
• Two(2) Bedrooms
• One(1) Toilet and Bath
• Carport
• Balcony
• 65sqm Lot Area
• 50sqm Floor Area
• Modern and Quality design

Few minutes away drive to Dau Bus Terminal🚙
Safe and Secured Subdivision ✔

Near Sm Hypermarket Camachiles, Hospital, Schools etc. 🏨
• Introductory Price 2.2M
• Open for Pag ibig, Bank Financing, Deferred Cash and Spot Cash Payment
• Corner and End units are available, may differ in price depending on lot size.

𝘞𝘢𝘯𝘵 𝘵𝘰 𝘴𝘤𝘩𝘦𝘥𝘶𝘭𝘦 𝘢 𝘧𝘳𝘦𝘦 𝘴𝘪𝘵𝘦 𝘷𝘪𝘴𝘪𝘵?
𝘔𝘦𝘴𝘴𝘢𝘨𝘦 𝘶𝘴 𝘧𝘰𝘳 𝘮𝘰𝘳𝘦 𝘢𝘴𝘴𝘪𝘴𝘵𝘢𝘯𝘤𝘦 𝘢𝘯𝘥 𝘥𝘦𝘵𝘢𝘪𝘭𝘴.
𝘞𝘦 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘩𝘢𝘱𝘱𝘺 𝘵𝘰 𝘢𝘴𝘴𝘪𝘴𝘵 𝘺𝘰𝘶! 😍

𝐂𝐨𝐧𝐭𝐚𝐜𝐭 𝐝𝐞𝐭𝐚𝐢𝐥𝐬:
𝐕𝐢𝐛𝐞𝐫: 𝟎𝟗𝟑𝟎-𝟏𝟐𝟒-𝟎𝟎𝟏𝟎
𝐅𝐁 𝐀𝐜𝐜𝐨𝐮𝐧𝐭: 𝐍𝐨𝐫𝐞𝐞𝐧 𝐒𝐞𝐩𝐭𝐢𝐦𝐨 | 𝐒𝐚𝐥𝐞𝐬 𝐀𝐬𝐬𝐨𝐜𝐢𝐚𝐭𝐞
https://www.facebook.com/xxrealtornoreen

Visit our page to browse more: 𝐌𝐨𝐝𝐞𝐫𝐧 𝐇𝐨𝐦𝐞𝐬 𝐍𝐋
𝑭𝑩 𝑷𝒂𝒈𝒆 link: https://www.facebook.com/ModernHomesNL/

𝙍𝙀𝘼𝘿𝙔 𝙁𝙊𝙍 𝙊𝘾𝘾𝙐𝙋𝘼𝙉𝘾𝙔!

𝐒𝐎𝐋𝐀𝐍𝐀 𝐅𝐑𝐎𝐍𝐓𝐄𝐑𝐀
𝐀𝐧𝐠𝐞𝐥𝐞𝐬, 𝐏𝐚𝐦𝐩𝐚𝐧𝐠𝐚

YSABELLE GRAND - Single Detached TWO STOREY
Block 12 Lot 35 Main Road near Clubhouse

𝐓𝐂𝐏: 6,168,167.20
𝐃𝐢𝐬𝐜𝐨𝐮𝐧𝐭: 53,940.00
𝐑𝐞𝐬𝐞𝐫𝐯𝐚𝐭𝐢𝐨𝐧: 𝟓𝟎,𝟎𝟎𝟎.𝟎𝟎
𝐁𝐚𝐧𝐤 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 𝟐𝟎𝐲𝐫𝐬: 40,902.23 𝐦𝐨𝐧𝐭𝐡𝐥𝐲

Note: Price may change without prior notice.
𝘼𝙇𝙎𝙊 𝘼𝙑𝘼𝙄𝙇𝘼𝘽𝙇𝙀 𝙄𝙉 𝙄𝙉𝙃𝙊𝙐𝙎𝙀 𝙁𝙄𝙉𝘼𝙉𝘾𝙄𝙉𝙂 ✔

* Flood Free
* Complete Amenities
* Near Marquee Mall & NLEX

𝘞𝘢𝘯𝘵 𝘵𝘰 𝘴𝘤𝘩𝘦𝘥𝘶𝘭𝘦 𝘢 𝘧𝘳𝘦𝘦 𝘴𝘪𝘵𝘦 𝘷𝘪𝘴𝘪𝘵?
𝘔𝘦𝘴𝘴𝘢𝘨𝘦 𝘶𝘴 𝘧𝘰𝘳 𝘮𝘰𝘳𝘦 𝘢𝘴𝘴𝘪𝘴𝘵𝘢𝘯𝘤𝘦 𝘢𝘯𝘥 𝘥𝘦𝘵𝘢𝘪𝘭𝘴.
𝘞𝘦 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘩𝘢𝘱𝘱𝘺 𝘵𝘰 𝘢𝘴𝘴𝘪𝘴𝘵 𝘺𝘰𝘶! 😍

𝐂𝐨𝐧𝐭𝐚𝐜𝐭 𝐝𝐞𝐭𝐚𝐢𝐥𝐬:
𝐕𝐢𝐛𝐞𝐫: 𝟎𝟗𝟑𝟎-𝟏𝟐𝟒-𝟎𝟎𝟏𝟎 | 𝟎𝟗𝟔𝟗-𝟏𝟕𝟕-𝟓𝟐𝟒𝟎
𝐅𝐁 𝐀𝐜𝐜𝐨𝐮𝐧𝐭: 𝐍𝐨𝐫𝐞𝐞𝐧 𝐒𝐞𝐩𝐭𝐢𝐦𝐨 | 𝐉𝐚𝐧𝐞𝐥𝐥𝐚 𝐒𝐞𝐩𝐭𝐢𝐦𝐨
𝐒𝐚𝐥𝐞𝐬 𝐀𝐬𝐬𝐨𝐜𝐢𝐚𝐭𝐞 | 𝙈𝙖𝙥𝙞𝙡𝙚𝙨 𝙍𝙚𝙖𝙡𝙩𝙮

Visit our page to browse more: 𝐌𝐨𝐝𝐞𝐫𝐧 𝐇𝐨𝐦𝐞𝐬 𝐍𝐋
𝑭𝑩 𝑷𝒂𝒈𝒆 link: https://www.facebook.com/ModernHomesNL/

𝘌𝘹𝘱𝘦𝘳𝘪𝘦𝘯𝘤𝘦 𝘵𝘩𝘦 𝘤𝘰𝘮𝘧𝘰𝘳𝘵 𝘢𝘯𝘥 𝘵𝘳𝘢𝘯𝘲𝘶𝘪𝘭𝘪𝘵𝘺 𝘵𝘩𝘢𝘵 𝘦𝘯𝘤𝘩𝘢𝘯𝘵𝘴 𝘵𝘩𝘦 𝘴𝘦𝘯𝘴𝘦𝘴, 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘢 𝘤𝘩𝘪𝘤 𝘢𝘯𝘥 𝘮𝘰𝘥𝘦𝘳𝘯 𝘴𝘶𝘣𝘶𝘳𝘣𝘢𝘯 𝘳𝘦𝘵𝘳𝘦𝘢𝘵. 𝘐𝘯𝘥𝘶𝘭𝘨𝘦 𝘪𝘯 𝘮𝘰𝘮𝘦𝘯𝘵 𝘰𝘧 𝘣𝘭𝘪𝘴𝘴 𝘢𝘴 𝘺𝘰𝘶 𝘢𝘳𝘦 𝘸𝘩𝘪𝘴𝘬𝘦𝘥 𝘢𝘸𝘢𝘺 𝘵𝘰 𝘵𝘩𝘦 𝘈𝘴𝘪𝘢𝘯 𝘪𝘯𝘴𝘱𝘪𝘳𝘦𝘥 𝘳𝘦𝘴𝘪𝘥𝘦𝘯𝘵𝘪𝘢𝘭 𝘦𝘯𝘤𝘭𝘢𝘷𝘦 𝘢𝘵 𝙃𝙖𝙢𝙖𝙣𝙖 𝙃𝙤𝙢𝙚𝙨 (Magalang, Pampanga).

AVAILABLE UNITS:
🔅𝑳𝑨𝑴𝑬𝑨 𝑻𝒐𝒘𝒏𝒉𝒐𝒖𝒔𝒆 (𝑰𝒏𝒏𝒆𝒓 𝒂𝒏𝒅 𝑬𝒏𝒅 𝑼𝒏𝒊𝒕)
🔅𝑴𝑬𝑨𝑵𝑨 𝑫𝒖𝒑𝒍𝒆𝒙
🔅𝑵𝑨𝑵𝑬𝑨 𝑺𝒊𝒏𝒈𝒍𝒆 𝑨𝒕𝒕𝒂𝒄𝒉𝒆𝒅

𝘼𝙢𝙚𝙣𝙞𝙩𝙞𝙚𝙨:
✓24 Hours Security
✓Leisure Pool
✓ Basketball Court
✓Village Pavilion
✓Lush Garden
✓Jogging Path
✓Play Area

Other interesting features:
✓ Partition wall 4" CHB
✓ 16"x16" Ceramic Floor Tiles
✓ Ceramic Tiles Toilet, Ground and 2nd floors
✓ Granite Kitchen Top Counter
✓ Door Jamb made out of steel
✓ Analok Aluminum Window

🚙 24mins from Marquee Mall
🚙 15-20mins from SM Clark and Maingate
🚙 21mins from Clark Free port
🚙 19mins from Clark International Airport
🚙 17mins from Mabalacat District Hospital
🚙 Few kilometers away from NLEX Sta. Inez Exit

𝘞𝘢𝘯𝘵 𝘵𝘰 𝘴𝘤𝘩𝘦𝘥𝘶𝘭𝘦 𝘢 𝘧𝘳𝘦𝘦 𝘴𝘪𝘵𝘦 𝘷𝘪𝘴𝘪𝘵?
𝘔𝘦𝘴𝘴𝘢𝘨𝘦 𝘶𝘴 𝘧𝘰𝘳 𝘮𝘰𝘳𝘦 𝘢𝘴𝘴𝘪𝘴𝘵𝘢𝘯𝘤𝘦 𝘢𝘯𝘥 𝘥𝘦𝘵𝘢𝘪𝘭𝘴.
𝘞𝘦 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘩𝘢𝘱𝘱𝘺 𝘵𝘰 𝘢𝘴𝘴𝘪𝘴𝘵 𝘺𝘰𝘶! 😍

𝐂𝐨𝐧𝐭𝐚𝐜𝐭 𝐝𝐞𝐭𝐚𝐢𝐥𝐬:
𝐕𝐢𝐛𝐞𝐫: 𝟎𝟗𝟑𝟎-𝟏𝟐𝟒-𝟎𝟎𝟏𝟎 | 𝟎𝟗𝟔𝟗-𝟏𝟕𝟕-𝟓𝟐𝟒𝟎
𝐅𝐁 𝐀𝐜𝐜𝐨𝐮𝐧𝐭: 𝐍𝐨𝐫𝐞𝐞𝐧 𝐒𝐞𝐩𝐭𝐢𝐦𝐨 | 𝐉𝐚𝐧𝐞𝐥𝐥𝐚 𝐒𝐞𝐩𝐭𝐢𝐦𝐨
𝐒𝐚𝐥𝐞𝐬 𝐀𝐬𝐬𝐨𝐜𝐢𝐚𝐭𝐞 | 𝙈𝙖𝙥𝙞𝙡𝙚𝙨 𝙍𝙚𝙖𝙡𝙩𝙮

Visit our page to browse more: 𝐌𝐨𝐝𝐞𝐫𝐧 𝐇𝐨𝐦𝐞𝐬 𝐍𝐋
𝑭𝑩 𝑷𝒂𝒈𝒆 link: https://www.facebook.com/ModernHomesNL/