SANTIAGO VILLAS SAMPLE COMPUTATION
updated as of MAY 22, 2010
		downgraded	upgraded	upgraded
House Model		GLORIA	GLORIA	GLORIA
BLOCK - LOT
LOT SIZE packaged with house and lot		140	140	140
Excess Lot, if any			3
Total LOT AREA (sqm)		140	143	140
Floor Area (GF=55.14sqm, 2F=36.23sqm)		91.37	91.37	91.37
No. of Bedrooms		4	4	4
No. of Toilet and Bath		3	3	3
Processing Fee		-	-	-
Reservation FEE		30,000.00	30,000.00	30,000.00
Package Price		1,970,000.00	2,160,000.00	2,160,000.00
TOTAL PACKAGE PRICE		1,970,000.00	2,171,400.00	2,160,000.00
(IF 2.5m&up with 12%EVAT)
Net of Reservation and Processing Fee		1,940,000.00	2,141,400.00	2,130,000.00
Option 2: 30years HDMF Financing Equity
Processing Fee		25,000.00	25,000.00	25,000.00
Pag-ibig Filing Fee		3,000.00	3,000.00	3,000.00
Total Contract price net of reservation		1,940,000.00	2,141,400.00	2,130,000.00
Equity (to be paid to Kisan Lu)		640,000.00	741,400.00	730,000.00
Equity payable in 6months		106,666.67	123,566.67	121,666.67
Loanable Amount thru Pag-ibig		1,300,000.00	1,400,000.00	1,400,000.00
Estimated Monthly Ammortization
(over P1M - P1,250,000 =9.50%)
15yrs, 11.5% int. pa, plus: MRI+FI		15,186.47	16,354.66	16,354.66
20yrs, 11.5% int. pa, plus: MRI+FI		13,863.59	14,930.01	14,930.01
25yrs, 11.5% int. pa, plus: MRI+FI		13,214.10	14,230.57	14,230.57
30yrs, 11.5% int. pa, plus: MRI+FI		12,873.79	13,864.08	13,864.08
Option 3: Spot Cash or Deferred Cash
SPOT CASH (upfront), Less 5%	:	1,871,500.00	2,062,830.00	2,052,000.00
DEFERRED CASH (3 months to pay)	:	1,940,000.00	2,141,400.00	2,130,000.00
monthly in 3 months	:	646,666.67	713,800.00	710,000.00
Option 4:  IN-HOUSE FINANCING
TOTAL PACKAGE PRICE	:	1,970,000.00	2,171,400.00	2,160,000.00
Reservation Fee		30,000.00	30,000.00	30,000.00
Net Total Contract Price		1,940,000.00	2,141,400.00	2,130,000.00
DOWNPAYMENT - 20%	:	388,000.00	428,280.00	426,000.00
payable in 1 year, 0% int		32,333.33	35,690.00	35,500.00
BALANCE FOR AMORTIZATION - 80%	:	1,552,000.00	1,713,120.00	1,704,000.00
1 YEAR @ 0% INTEREST	:	129,333.33	142,760.00	142,000.00
2 YEARS - 12% INTEREST P.A.	:	73,058.03	80,642.51	80,213.20
3 YEARS - 14% INTEREST P.A.	:	53,043.68	58,550.38	58,238.68
4 YEARS - 16% INTEREST P.A.	:	43,984.12	48,550.30	48,291.84
5 YEARS - 18% INTEREST P.A.	:	39,410.60	43,501.99	43,270.40
Option 5:  BANK FINANCING
TOTAL PACKAGE PRICE	:	1,970,000.00	2,171,400.00	2,160,000.00
Reservation Fee		30,000.00	30,000.00	30,000.00
Net Total Contract Price		1,940,000.00	2,141,400.00	2,130,000.00
DOWNPAYMENT - 30%	:	582,000.00	642,420.00	639,000.00
payable in 1 year, 0% int		48,500.00	53,535.00	53,250.00
BALANCE FOR AMORTIZATION - 70%	:	1,358,000.00	1,498,980.00	1,491,000.00
5 YEARS - 12% INTEREST P.A.	:	30,207.96	33,343.98	33,166.47
10 YEARS - 14% INTEREST P.A.	:	21,085.18	23,274.13	23,150.23
15 YEARS - 16% INTEREST P.A.	:	19,944.96	22,015.53	21,898.33
Note: plus 5% transfer of title fee
prices are subject to change without prior notice
issuance of PDC is needed for equity, HDMF Amortization and in-house financing payments
Computation made and prepared by:
REALTOR DINAH PEREZ PATRIMONIO
RELB No. XI-06-417N
Mobile No. 09285001254
www.davaoestate.com