Bay-ang Ridge Subdivision

Finally met my client all the way from Manila!

It’s an honor to be your trusted real estate agent and to assist you in finding your new home. You are my first client in Bay-ang Ridge who has officially moved in and is now enjoying life inside the subdivision.

Wishing you many happy memories in your new home! 🏡✨

"Bay-Ang Ridge Subdivision"

An elegant yet affordable House and Lot

🍀Enjoy the green sceneries
🏞️Enjoy the beauty of nature
🍃Take a break and breathe some fresh air

Buyer's Promo :
✔️Free Home Appliance
✔️Free Landscaping

📍Located in Brgy., Sta. Cruz, Liloan Cebu
Along brgy. road and a few minutes from the national hi-way

➡️Available Inventory :
📌4 Units - Lakip Prime (Single Attached )
▪️Lot Area- 80 Sq.mtrs
▪️Floor Area- 76 Sq.mtrs

Floor Details:
☑️Four Bedrooms ☑️Kitchen Area ☑️ Service Area
☑️Living Area ☑️Toilet & Bath ☑️ Carport
☑️Dining Area ☑️Balcony

📌3 Units - Bugtong Prime B ( Single Detached )
▪️Lot Area- 100 Sq.mtrs
▪️Floor Area- 83 Sq.mtrs

Floor Details:
☑️Four Bedrooms ☑️Kitchen Area ☑️ Service Area
☑️Living Area ☑️Toilet & Bath ☑️ Carport
☑️Dining Area ☑️Balcony

➡️Payment Scheme:
Reservation Fee : 50,000
DP : 20% Equity payable in 24 Mos.
(zero interest)
Bal : 80% Balance payable through Pag-ibig or Bank Financing

▫️Bay-ang Ridge will be a 10 – minute drive from The Woodlands, another development by Duros.

☕5 minutes going to 8020 cafe
🏫9 minutes going to Divine Life Institute of Cebu
🏥15 minutes going to Mendero Medical Center
🛍️15 minutes going to SM Consolacion
🛬40 minutes going to Mactan Airport

𝐂𝐎𝐍𝐓𝐀𝐂𝐓 𝐔𝐒! For more details and Site Viewing
📞 09271278576 /0909 943 3301
email us :
📧 [email protected]
📧[email protected]

Leuterio Realty and Brokerage
Filipino Homes Agent
Robert and Quinzelle Pabuaya
PRC Res. 2021-15
PRC REB License No. 15835
DHSUD:R7-A-11/20-5410

FYI!

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.

This is based on clients experience and based sa sabi ng staff sa pagibig. I hope this can help you guys. We need to be financially literate para di tayo mabaon sa utang 🙂