SANTIAGO VILLAS SAMPLE COMPUTATION
BLOCK - LOT		:	inner	inner	corner
LOT SIZE (sqm)		:	80	145	202
LOT CLASSIFICATION		:
PRICE per sqm		:	3,800.00	3,800.00	4,100.00
Processing Fee
PACKAGE COST		:	304,000.00	551,000.00	828,200.00
Reservation FEE (P20,000 per lot)			20,000.00	20,000.00	20,000.00
TOTAL PACKAGE PRICE		:	284,000.00	531,000.00	808,200.00
Option 1: 30years HDMF Financing Equity
Estimated Loanable Amount			284,000.00	531,000.00	808,200.00
Equity
(over P300t - P750T =7.00%)	factor rate
15yrs, 7% int. pa	0.00898828		2,552.67	4,772.78	7,264.33
20yrs, 7% int. pa	0.0077530		2,201.85	4,116.84	6,265.97
25yrs, 7% int. pa	0.0070678		2,007.26	3,753.00	5,712.20
30yrs, 7% int. pa	0.0066530		1,889.45	3,532.74	5,376.95
Estimated Monthly Ammortization
(over P750T - P2M =10.50%)	factor rate
15yrs, 10.5% int. pa	0.01105399
20yrs, 10.5% int. pa	0.0099838
25yrs, 10.5% int. pa	0.0094418
30yrs, 10.5% int. pa	0.0091474
Option 2: Spot Cash or Deferred Cash
SPOT CASH (upfront), Less 5%		:	288,800.00	523,450.00	786,790.00
DEFERRED CASH (3 months to pay)		:
monthly in 3 months		:	101,333.33	183,666.67	276,066.67
Option 3:  IN-HOUSE FINANCING
DOWNPAYMENT - 20%		:	56,800.00	106,200.00	161,640.00
payable in 1 year, 0% int			4,733.33	8,850.00	13,470.00
BALANCE FOR AMORTIZATION - 80%		:	227,200.00	424,800.00	646,560.00
1 YEAR @ 0% INTEREST		:	18,933.33	35,400.00	53,880.00
2 YEARS - 12% INTEREST P.A.		:	10,695.09	19,996.81	30,435.82
3 YEARS - 14% INTEREST P.A.		:	7,765.16	14,518.66	22,097.89
4 YEARS - 16% INTEREST P.A.		:	6,438.91	12,038.95	18,323.69
5 YEARS -18% INTEREST P.A.		:	5,769.39	10,787.13	16,418.37
(Note: plus 5% transfer of title fee)
Price subject to change without prior notice
**with EVAT 12%
FOR PRESENTATION PURPOSES ONLY