SANTIAGO VILLAS SAMPLE COMPUTATION
updated as of MAY 22, 2010
			upgraded	upgraded
House Model		:	KAREN	KAREN
BLOCK - LOT		:
LOT SIZE		:	140	140
Excess Lot, if any		:	3
Total LOT AREA		:	143	140
Floor Area (GF=84.10sqm, 2F=41.64sqm)		:	125.74	125.74
No. of Bedrooms		:	3	3
No. of Toilet and Bath		:	3	3
Processing Fee			-	-
Reservation FEE		:	30,000.00	30,000.00
Package Price		:	3,020,000.00	3,020,000.00
TOTAL PACKAGE PRICE (VAT inclusive)		:	3,395,168.00	3,020,000.00
(IF 2.5m&up with 12%EVAT)
Net of Reservation and Processing Fee		:	3,365,168.00	2,990,000.00
Option 1: 30years HDMF Financing Equity
Total Contract price net of reservation			3,365,168.00	2,990,000.00
Equity (to be paid to Kisan Lu)			2,115,168.00	1,740,000.00
Equity payable in 6months			352,528.00	290,000.00
Loanable Amount thru Pag-ibig			1,250,000.00	1,250,000.00
Estimated Monthly Ammortization
(over P1M - P1,250,000 =9.50%)
15yrs, 9.5% int. pa, plus: MRI+FI			13,052.81	13,052.81
20yrs, 9.5% int. pa, plus: MRI+FI			11,651.64	11,651.64
25yrs, 9.5% int. pa, plus: MRI+FI			10,921.21	10,921.21
30yrs, 9.5% int. pa, plus: MRI+FI			10,510.68	10,510.68
Option 2: 30years HDMF Financing Equity
Total Contract price net of reservation			3,365,168.00	2,990,000.00
Equity (to be paid to Kisan Lu)			865,168.00	490,000.00
Equity payable in 6months			144,194.67	81,666.67
Loanable Amount thru Pag-ibig			2,500,000.00	2,500,000.00
Estimated Monthly Ammortization
(over P2M - P3,000,000 =11.50%)
15yrs, 11.5% int. pa, plus: MRI+FI			29,204.75	29,204.75
20yrs, 11.5% int. pa, plus: MRI+FI			26,660.74	26,660.74
25yrs, 11.5% int. pa, plus: MRI+FI			25,411.72	25,411.72
30yrs, 11.5% int. pa, plus: MRI+FI			24,757.29	24,757.29
Option 2: 30years HDMF Financing Equity
Total Contract price net of reservation			3,365,168.00	2,990,000.00
Equity (to be paid to Kisan Lu)			365,168.00	(10,000.00)
Equity payable in 6months			60,861.33	(1,666.67)
Loanable Amount thru Pag-ibig			3,000,000.00	3,000,000.00
Estimated Monthly Ammortization
(over P2M - P3,000,000 =11.50%)
15yrs, 11.5% int. pa, plus: MRI+FI			35,045.69	35,045.69
20yrs, 11.5% int. pa, plus: MRI+FI			31,992.89	31,992.89
25yrs, 11.5% int. pa, plus: MRI+FI			30,494.07	30,494.07
30yrs, 11.5% int. pa, plus: MRI+FI			29,708.74	29,708.74
Option 3: Spot Cash or Deferred Cash
SPOT CASH (upfront), Less 5%	:		3,225,409.60	2,869,000.00
DEFERRED CASH (3 months to pay)	:		3,365,168.00	2,990,000.00
monthly in 3 months	:		1,121,722.67	996,666.67
Option 4:  IN-HOUSE FINANCING
TOTAL PACKAGE PRICE	:		3,395,168.00	3,020,000.00
Reservation Fee			30,000.00	30,000.00
Net Total Contract Price			3,365,168.00	2,990,000.00
DOWNPAYMENT - 20%	:		673,033.60	598,000.00
payable in 1 year, 0% int			56,086.13	49,833.33
BALANCE FOR AMORTIZATION - 80%	:		2,692,134.40	2,392,000.00
1 YEAR @ 0% INTEREST	:		224,344.53	199,333.33
2 YEARS - 12% INTEREST P.A.	:		41,424.66	41,424.66
2 YEARS - 12% INTEREST P.A.	:		126,728.11	112,599.75
3 YEARS - 14% INTEREST P.A.	:		92,010.77	81,752.89
4 YEARS - 16% INTEREST P.A.	:		76,295.84	67,789.95
5 YEARS - 18% INTEREST P.A.	:		68,362.52	60,741.08
Option 5:  BANK FINANCING
TOTAL PACKAGE PRICE	:		3,395,168.00	3,020,000.00
Reservation Fee			30,000.00	30,000.00
Net Total Contract Price			3,365,168.00	2,990,000.00
DOWNPAYMENT - 30%	:		1,009,550.40	897,000.00
payable in 1 year, 0% int			84,129.20	74,750.00
BALANCE FOR AMORTIZATION - 70%	:		2,355,617.60	2,093,000.00
5 YEARS - 12% INTEREST P.A.	:		52,399.41	46,557.63
10 YEARS - 14% INTEREST P.A.	:		36,574.83	32,497.26
15 YEARS - 16% INTEREST P.A.	:		34,596.97	30,739.91
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