SANTIAGO VILLAS SAMPLE COMPUTATION
updated as of AUGUST 17, 2010
House Model	:	NEW KEISHA
Lot Category	:
Block lot #	:
LOT SIZE	:	140
Excess Lot, if any	:
Total LOT AREA		143
Floor Area	:	56.28
No. of Bedrooms	:	3
No. of Toilet and Bath	:	2
Processing Fee
Reservation FEE		30,000.00
Package Price		1,540,000.00
TOTAL PACKAGE PRICE	:	1,540,000.00
(IF 1.5m&up with 12%EVAT)
Net of Reservation and Processing Fee		1,510,000.00
Option 1: 30years HDMF Financing Equity
Total Contract price net of reservation		1,510,000.00
Equity (to be paid to Kisan Lu)		760,000.00
Equity payable in 6months		126,666.67
Loanable Amount thru Pag-ibig		750,000.00
Estimated Monthly Ammortization
(over P300t - P750T =7.00%)
15yrs, 7% int. pa, plus: MRI+FI		6,741.21
20yrs, 7% int. pa, plus: MRI+FI		5,814.74
25yrs, 7% int. pa, plus: MRI+FI		5,300.84
30yrs, 7% int. pa, plus: MRI+FI		4,989.77
Option 2: 30years HDMF Financing Equity
Total Contract price net of reservation		1,510,000.00
Equity (to be paid to Kisan Lu)		260,000.00
Equity payable in 6months		43,333.33
Max Loanable Amount thru Pag-ibig		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
20yrs, 9.5% int. pa, plus: MRI+FI		11,651.64
25yrs, 9.5% int. pa, plus: MRI+FI		10,921.21
30yrs, 9.5% int. pa, plus: MRI+FI		10,510.68
Option 3: Spot Cash or Deferred Cash
SPOT CASH (upfront), Less 5%	:	1,463,000.00
DEFERRED CASH (3 months to pay)	:	1,510,000.00
monthly in 3 months	:	503,333.33
Option 4:  IN-HOUSE FINANCING
TOTAL PACKAGE PRICE	:	1,540,000.00
Reservation Fee		30,000.00
Net Total Contract Price		1,510,000.00
DOWNPAYMENT - 20%	:	302,000.00
payable in 1 year, 0% int		25,166.67
BALANCE FOR AMORTIZATION - 80%	:	1,208,000.00
1 YEAR @ 0% INTEREST	:	100,666.67
2 YEARS - 12% INTEREST P.A.	:	56,864.75
3 YEARS - 14% INTEREST P.A.	:	41,286.58
4 YEARS - 16% INTEREST P.A.	:	34,235.06
5 YEARS - 18% INTEREST P.A.	:	30,675.26
Option 5:  BANK FINANCING
TOTAL PACKAGE PRICE	:	1,540,000.00
Reservation Fee		30,000.00
Net Total Contract Price		1,510,000.00
DOWNPAYMENT - 30%	:	453,000.00
payable in 1 year, 0% int		37,750.00
BALANCE FOR AMORTIZATION - 70%	:	1,057,000.00
5 YEARS - 12% INTEREST P.A.	:	23,512.38
10 YEARS - 14% INTEREST P.A.	:	16,411.66
15 YEARS - 16% INTEREST P.A.	:	15,524.17
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