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Morales wants another shot at Pacquiao
Garden Villas 3 Santa Rosa City, Laguna

Another affordable, executive-like residential subdivision with approximately 754 residential lots designed for Duplex and Quadruplex units, Sta. Rosa Garden Villas III Phase 3 is a community which covers a net area of approximately 7.8 hectares of prime real estate nearing completion in year 2008.

With just 250 meters away from J.P. Rizal Avenue, and less than 500 meters away from the city center, homeowners will enjoy the advantages of living close to everything: schools, churches, hospitals, shopping malls, most recent is the new 60-hectares Shoe Mart along the Old National Highway.

GARDEN VILLAS 3, Phase 3 House Features Rough cement floor finish Firewall breaker Tiled toilet and bath Steel door jamb frame Solid concrete walls and floor finish Steel windows Semi concrete stair construction with steel railing High grade water and sewer lines Tool joint cement finish on interior wall Tank type water closet Sandblasted and painted house exteriors Individual septic tank Primaflex board on exterior ceiling Steel section fascia board Prepainted roofing sheets Tiled kitchen counter Steel frame roofing system Provision for 2 bedrooms on 2nd floor

Site Features:

An Elegant Entrance Gate and Garden Centralized Water System First Class Swimming Pool / Kiddie Pool Underground Drainage System Beautiful 2-storey Clubhouse MERALCO Power Lines

House Features

• Painted house exteriors

• Tiled toilet and bath

• Solid concrete walls and floor finish

• Tool joint cement finish on interior wall

• Primaflex board on exterior ceiling

• Prepainted roofing sheets

• Steel frame roofing system

• Firewall breaker

• Steel door jamb frame

• Tiled kitchen counter

• Provision for 2 bedrooms on 2nd floor

• Provision for 3rd floor

List of Requirements:

1. Fully filled-out Buyer's Information Sheet and signed Reservation Agreement.

2. Full Reservation fee (5,000 - not refundable). Reservation fee will hold a lot maximum of 30 days. If the buyer failed to purchase, the amount paid is not refundable.

3. Photo copy of Company ID with picture and signature.

4. Photo copy of Certificate of Employment and Compensation.

5. Photo copy of Special Power of Attorney (applicable to an OFW buyer).

6. Valid ID of Atty-in-fact with signature (applicable to an OFW buyer).

7. Proof of billing(meralco,globe,smart bro) and latest Resident Certificate (sedula)

8. Five pieces 1x1 picture.

9. Marriage contract / Birth Certificate

10. Acknowledgement to MSVS Counselling / Approved MSVS. (with assistance of DDC, plus service if needed)

11. Signed Loan Document. It must be submitted within 15-30 days from due of reservation.

12. Twenty four undated checks for monthly amortization (HDMF). This ensures that you aren't a deliquent payer to pag-igbig. After two years, your monthly amortization can be pay directly to their local branches.

13. Post dated checks for equities uipon confirmation of Preliminary Loan Approval.
note: bank checks can be obtained at any local bank base on your preferences

You can avail the following freebies if you will pass the requirements before 30 days
after reservation :

Phase 5 lots only:

- ceiling with asbestos worth 30,000 pesos
- Glass window divider on Comfort Room
- Movable Lavatory

Phase 3 ( if there are units open)

- free ceiling

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Garden Villas Phase 5 Photos November 3, 2010

Garden Villas Phase 5 Photos

Garden Villas Phase 5 Photos

Garden Villas Phase 5 Photos

Garden Villas Phase 5 Photos

Garden Villas Phase 5 Photos

Garden Villas Phase 5 Photos

Garden Villas Phase 5 Photos

Garden Villas Phase 5 Photos

Garden Villas Phase 5 Photos

Garden Villas Phase 5 Photos September 17, 2010

FAQ — Frequently Asked Questions On Pag-IBIG Housing Loan, Financing And Membership

Over the past couple of months we have launched this website on Pag-IBIG Financing, we have been bombarded with questions from Pag-IBIG Members and Overseas Filipinos Workers. The questions most commonly revolved around three categories, namely:

Pag-IBIG Membership — How to be a member, Branches overseas, status of membership, ID Number, etc.
Housing Loan — Loan application process, when to avail, how much, etc
Pag-IBIG Overseas Program (POP) — a lot of website visitors are Filipinos based in other countries and they have a lot of questions on about POP.
This is to be expected. And as the website grows, this Frequently Asked Questions Page is expected to grow in response to the most pressing questions we receive from website visitors.

In this page, we try to collate all of these common and repeating questions and provide the best answers possible with reference to other articles already written.

We hope that this page will be your first stop for any new visitor on this website.

However, if you think you have a question that is not answered here, don’t hesitate to send us your questions using the contact page. Be detailed with your questions and asked only those that are related to Pag-IBIG Financing. And please allow us enough time to get back to you.

Questions On Pag-IBIG Membership

1. How can I become a member of the Pag-IBIG Fund?

If you are working as an employee in the Philippines, your employer should take care of this on your behalf. Companies are required by the Philippine government to have their employees contribute to the Pag-IBIG Fund.

Voluntary membership is also open to self-employed individuals and even those who are out of the job market. Please check this article for details.

OFW’s who wish to become members should consultant the section below on the Pag-IBIG Overseas Program.

2. What is my Pag-IBIG Number?

It is unfortunate that Pag-IBIG Fund doesn’t issue a Pag-IBIG ID to all its members. However, you can still get your Pag-IBIG Number by simply requesting for a hard copy of your contributions.

3. I have been working with different employers throughout my career, what will happen to all of my previous contributions and my current one with the present employer? Is there a way to merge them?

Yes, they can be merged since all of those are under your name. If this is your case, it is important that you request a print-out of all your contributions just to be sure.

4. I used to work in the Philippines, but now I am already working abroad. What will happen to my contributions? Can I still be a member?

Your contributions also serve as your savings and you can claim them when it reaches maturity. You may continue contributing even if you are already and OFW. The other option is for you to avail of the Pag-IBIG Overseas Program.

5. Can I apply online to become a member?

No, there is no such facility as of the moment. If you are employed in the Philippines, your employer should take care of that.

Questions On Pag-IBIG Housing Loan / Financing

1. Can I get a housing loan?

Important notes to remember for those who wish to apply for Pag-IBIG Housing Loan:

You must be at least 24 months member. (See paragraph below.)
You must not have any outstanding Pag-IBIG Housing Loan. That is, all your mortgages must be fully paid.
Check your age: You must be younger than 70 years old at loan maturity.
You must be an active member and of good standing (no existing multi-purpose loan in arrears)
In the past, you can apply for a loan even if it is your first time to contribute to the Pag-IBIG Fund by simply paying a one-time payment equivalent to 24 monthly contributions. The rules have already changed. Effective July 1, 2010, this is not allowed any more you have to be at least a paying member for at least 24 months — no one-time payment.

For details, please read this article on the Basics of Pag-IBIG Housing Loan.

2.Can I use Pag-IBIG Loan to purchase a lot-only property?

Sure! In fact, you can also use it to finance your house construction or for house improvement.

3. Can I use Pag-IBIG Housing Loan to repair my house?

Yes that’s possible. But make sure the land title is in your name or the name of the Pag-IBIG Fund member.

The article on Pag-IBIG Housing Loan 101 will show you the many other types of real estate projects where Pag-IBIG Housing Loan can be used. Please take time to read it.

4. Can I pay 24 months contribution at one time so that I can immediately apply for a real estate loan?

This used to be the case, but effective July 1, 2010, the rules have changed and for the better. In other words, for members to be able to even qualify to apply for a housing loan, he must be a member for at least 24 months.

Questions On Pag-IBIG Overseas Program (POP) for Filipinos Based Abroad

1. Is there a Pag-IBIG Office in my country?

There are a lot of Filipino Overseas Workers scattered all over the globe. Unfortunately, Pag-IBIG cannot simply install an office in every country where there are Filipinos.

Some countries do have Pag-IBIG branch, partner establishment, or satellite office. Please check the Pag-IBIG Overseas Program Directory page to know if one is available in your host country.

2. I use to work in the Philippines, but I am now an OFW. What happens to my previous contributions? Can it be combined with my Pag-IBIG Overseas Program contributions?

Your contributions while you are here in the Philippines an as employee belong to Pag-IBIG I. You can continue with it and contribute still or just leave it to earn dividend. In any case, you can claim that money plus all other dividends it earned when it matures.

On the other hand, the Pag-IBIG Overseas Program is different from Pag-IBIG I and is applicable to overseas Filipinos.