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CTS Gold Basic Features
Expansive Market Coverage
Pag-IBIG and non-Pag-IBIG members who are willing to trasfer to Pag-IBIG Housing Loan within 4 years, as well as other qualified buyers of Deca Homes.
Buyers who are not more than 60 years old, gainfully employed or self-employed, whose Net Disposable Income (NDI) is 100% of or greater than the monthly amortization of the unit they intend to acquire.
At least Php15,000.00 payable over 3 monthly installments.
Low Monthly Amortization
Deferred payment via monthly amortization, inclusive of SRI/FI premiums, over 25 years; with Pag-IBIG take-out mechanism within 4 years from reservation date.
Friendly Interest Rate
8.5% p.a. fixed for the first 4 years.
Easy Move-In Policy
The Buyer may move in after paying the minimum Equity of Php15,000.00 provided that all required documents are already submitted.
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What is CTS Gold?
Contract To Sell(CTS) Gold is the golden opportunity created by 8990 Housing Development Corporation (8990 HDC) to make owning a house in Deca Homes very affordable and easy on the budget. With just a Php5,000.00 reservation fee and at least three Php5,000.00 equity installments, one can already move-in to a brandnew Deca home. The Balance of the purchase price is then payable in monthly amortization over 25 years.
I’m not a Pag-IBIG member. Can I avail of CTS Gold?
Yes, you ca avail of CTS Gold even if you are not a Pag-IBIG member because it is made for both Pag-IBIG and non Pag-IBIG members.
What must I do so that the interest on the amortization is kept not higher than 8.5% p.a.?
The interest on the amortizations can be kept at 8.5% p.a. when, with 4 years from reservation, you transfer the balance of your CTS Gold to Pag-IBIG. For this purpose, 8990 HDC will provide documentation assistance. more about the Basic features on CTS Gold.
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|(Housing Loan Availment)|
|To qualify for a Pag-IBIG housing loan, a member shall satisfy the following requirements:
However, should a co-borrower in a tacked loan signify an intention to avail of a Pag-IBIG housing loan for himself, he shall be allowed to do so provided the tacked loan is updated and the amount proportionate to his loan entitlement has been fully paid. Hence, the co-borrower shall be released from the original obligation and shall be allowed to avail of his own Pag-IBIG housing loan, subject to standard evaluation procedures.
A member’s loan entitlement shall be proportionate to his Pag-IBIG contributions (inclusive of the employer counterpart contributions), which shall be based on the following schedule:
Pag-IBIG Overseas Program (POP) contributions made in foreign currency shall be converted to its peso equivalent on the date when payment was made, rounded off to the nearest peso. POP members may also opt to pay the required/upgraded contributions in its local currency (peso) equivalent.
For loans up to Seven Hundred and Fifty Thousand Pesos (P750,000.00) which shall either be secured by a First Real Estate Mortgage or a Deed of Assignment of Contract to Sell on the property, which is bought from a developer and is covered by a buyback guaranty, the member’s loan entitlement shall be based solely on his Pag-IBIG contributions.