Located at the heart of San Jose del Monte City, Residencia de Muzon reflects the age-old traditions and enduring romance of Spain.

A masterpiece in design, the residential community is bordered by miles of lush tree-lined landscaping, exotic Spanish architecture and luxurious lifestyle.

Indulge in a refreshing swim at the pool, rejuvenating play at the basketball court and extravagant relaxation at the clubhouse, all at your fingertips. With a range of stylish and smart home designs, Residencia de Muzon is the ideal place to have your home.

Step 1

• Reservation fee
• Requirements
  • Latest one(1) month payslip
  • Photocopy of company ID or any government issued ID
  • Cedula
  • 1×1 picture, 3 pcs each (both husband and wife if married )
  • Birth / Married certificate
  • Proof of billing address
  • Income Tax Return (ITR)
  • Pagibig contribution print out/Employee Statement of Accumulated Value (ESAV)
  • Pagibig Counseling(MSVS)
  • Certificate of Employment and Compensation (COE)
• For Overseas Contract Worker
  • Photocopy of Employment Contract
  • Photocopy of Passport
  • Special Power of Attorney when needed

Step 2

• Open checking account

Step 3

• Upon Loan take out – Issuance of Post dated cheque (PDC) for monthly amortization

Step 4

• Payment of Move-In Fee

Location: Gaya gaya, San Jose Del Monte, Bulacan

Highlights:

• strategically located in the city of San Jose Del Monte, Bulacan just 20 minutes away from SM Fairview and Robinson’s Place in Novaliches via Caloocan City(Zabarte Road)
• 8 to 13 meters wide cemented roads with curbs and gutters
• centralized water systems
• complete Meralco power facilities
• accessible to markets, schools and churches with 24 hour transportation facilities

Lot only:

Inner Lot     -> Php 3,400.00 / sq. m.

Corner Lot  -> Php 3,600.00 / sq. m.

Available thru Pagibig Housing Loan

Inner Lot Computation:
Lot Area	150.00	sq. m.
Contract Price	510,000.00	( 3400 * 150 )
Processing fee	10,000.00
Total Contract Price	520,000.00
Loan Amount *	510,000.00	( 3400 * 150 )
Equity	10,000.00
Less Reservation fee	5,000.00
Balance Equity	5,000.00	(Should be payed 30 days upon reservation)
Monthly Amortization	3,604.57	+ Insurance (MRI)
(25 years to pay)
Corner Lot Computation:
Lot Area	150.00	sq. m.
Contract Price	540,000.00	( 3600 * 150 )
Processing fee	10,000.00
Total Contract Price	550,000.00
Loan Amount *	510,000.00	( 3400 * 150 )
Equity	40,000.00
Less Reservation fee	10,000.00
Balance Equity	30,000.00	(Payable in 3 or 6 months)
Monthly Amortization	3,604.57	+ Insurance (MRI)
(25 years to pay)

Note:

* Pagibig allowable loan amount per square meter is Php 3,400.00

Inner Lot Computation:
Lot Area	150.00	sq. m.
Contract Price	510000.00	( 3400 * 150 )
Processing fee	10000.00
Total Contract Price	520000.00
Loan Amount *	510000.00	( 3400 * 150 )
Equity	10000.00
Less Reservation fee	5000.00
Balance Equity	5000.00	(Should be payed 30 days upon reservation)
Monthly Amortization	3604.57	+ Insurance (MRI)
(25 years to pay)
Corner Lot Computation:
Lot Area	150.00	sq. m.
Contract Price	540000.00	( 3600 * 150 )
Processing fee	10000.00
Total Contract Price	550000.00
Loan Amount *	510000.00	( 3400 * 150 )
Equity	40000.00
Less Reservation fee	10000.00
Balance Equity	30000.00	(Payable in 3 or 6 months)
Monthly Amortization	3604.57	+ Insurance (MRI)
(25 years to pay)

Here’s a quick reminder for those who want to apply for HDMF Housing Loan thru Abot-Kamay Pabahay program

1.  Pag-IBIG members must satisfy the following requirements to qualify for a
housing loan:

• Must be a member under the Pag-IBIG I, Pag-IBIG II or Pag-IBIG Overseas Program (POP) for at least twenty-four (24) months, as evidenced by the remittance of at least 24 monthly contributions at the time of loan application.
• A member, whether new or with existing monthly contributions that are still short of the 24-month membership requirement, shall be allowed to make lump sum payment based on the mandatory monthly membership contribution rates (both EE and ER share) to meet said requirement at point of loan application. Lump sum payment of membership contributions shall be considered a single contribution for the applicable month as of the payment date. Said member shall be required to pay the upgraded membership contribution rates upon housing loan approval and onwards.
• A member who has contributed for at least two (2) years shall be required to pay the upgraded contribution rates upon housing loan approval and onwards.
• For purposes of satisfying the residency requirement, the period corresponding to the Total Accumulated Value (TAV) applied earlier to a member’s outstanding loan (offsetting) shall be considered when counting the total number of monthly contributions, provided that the remaining TAV after offsetting does not fall below the equivalent amount of 24 monthly contributions.
• Not more than sixty-five (65) years old at the date of loan application and must be insurable; provided further that he/she is not more than seventy (70) years old at loan maturity;
• Has the legal capacity to acquire and encumber real property;
• Has passed satisfactory background/credit and employment/ business checks of the developer and Pag-IBIG Fund;
• Has no outstanding Pag-IBIG housing loan, either as a principal borrower or co-borrower;
• Had no Pag-IBIG housing loan that was foreclosed, cancelled, bought back, or subjected to dacion en pago;
• Has no outstanding Pag-IBIG multi-purpose loan in arrears at the time of loan application. A member whose multi-purpose loan is in arrears shall be required to pay his arrearages over the counter to update his account.

2. 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:

Pagibig Membership Contributions

POP	Pag-IBIG I & II	Loan Amount
US $5	P200	Up to P500,000
	250	Over P500,000 – P600,000
	300	Over P600,000 – P700,000
	350	Over P700,000 – P800,000
	400	Over P800,000 – P900,000
	450	Over P900,000 – P1,000,000
	500	Over P1,000,000 – P1,100,000
US $ equivalent	550	Over P1,100,000 – P1,200,000
at point of	600	Over P1,200,000 – P1,300,000
availment (250-950)	650	Over P1,300,000 – P1,400,000
	700	Over P1,400,000 – P1,500,000
	750	Over P1,500,000 – P1,600,000
	800	Over P1,600,000 – P1,700,000
	850	Over P1,700,000 – P1,800,000
	900	Over P1,800,000 – P1,900,000
	950	Over P1,900,000 – P2,000,000

3. With the Fund’s move to make home financing more affordable to Pag-IBIG members, the loan-to-collateral value ratio was increased. At present, the following rates are in effect:

Loan Amount	With Buyback Guaranty	Without Buyback Guaranty / Retail Account
Up to P300,000	100.00%	100.00%
Over P300,000 to P750,000	100.00%	90.00%
Over P750,000 to P1M	95.00%	85.00%
Over P1M to P2M	90.00%	80.00%

4. The Pag-IBIG Abot-Kamay Pabahay Program shall bear interest at the following rates per annum:

Loan Amount	Interest rate
Up to P300,000	6.00%
Over P300,000 to P750,000	7.00%
Over P750,000 to P2,000,000	10.50%

5. The loan shall be repaid at a maximum term of thirty (30) years, and shall, in no case, exceed the difference between the present age and age seventy (70) of the principal borrower.

6. The borrower shall pay a Processing Fee of Three Thousand Pesos (P3,000.00), which shall be paid as follows:

• One Thousand Pesos (P1,000.00) upon filing of the loan application, which shall be non-refundable if the loan is disapproved;
• Two Thousand Pesos (P2,000.00) upon loan takeout.

For comprehensive guidelines of the “Abot-Kamay Pabahay” Program, check Pagibig Fund Circular No. 233

Highlights:

• Near Grotto Vista Resort

• Near Grotto Shrine & Divine Mercy Church

• Accessible to public market, schools, churches and shopping malls

• 24 hour access to public transportation

• Well planned community and housing units

• Wide concrete roads with sidewalk

• Underground drainage system

• Centralized water system

Amenities:

• Children’s playground

• Covered basketball court / Multi-purpose center

Model	Margarita		Marimar
Location	Sta. Maria, Bulacan		Sta. Maria, Bulacan
Unit Specification
Lot Area	50 sqm		80 sqm
FLoor Area	23 sqm		39.60 sqm
	Bare type	Finish type	Bare type	Finish type
Total contract price:	454,500.00	528,750.00	750,000.00	825,000.00
Less: discount	20,000.00	20,000.00	20,000.00	20,000.00
Net TCP	434,500.00	508,750.00	730,000.00	805,000.00
Est HDMF loan	390,000.00	450,000.00	670,000.00	730,000.00
Equity	44,500.00	58,750.00	60,000.00	75,000.00
Reservation fee	5,000.00	5,000.00	10,000.00	10,000.00
Net Equity	39,500.00	53,750.00	50,000.00	65,000.00
Monthly Equity Payable
12 months	3,291.67	4,479.17	4,166.67	5,416.67
10 months	3,950.00	5,375.00	5,000.00	6,500.00
8 months	4,937.50	6,718.75	6,250.00	8,125.00
6 months	6,583.33	8,958.33	8,333.33	10,833.33
Monthly Amortization Payable
30 years	2,594.68	2,993.86	4,457.52	4,856.70
25 years	2,756.44	3,180.51	4,735.42	5,159.49
20 years	3,023.67	3,488.85	5,194.50	5,659.68

Highlights:

• Near Grotto Vista Resort
• Near Grotto Shrine & Divine Mercy Church
• Near public market, schools, churches and shopping malls
• 24 hour access to public transportation
• Well planned community and housing unit
• Twelve (12) and Ten (10) meter wide concrete roads with sidewalk, gutter and planting strips
• Underground drainage system
• Centralized water system

Amenities:

• Gazebo/Multi-purpose hall
• Clubhouse
• Basketball court/tennis court
  

Model: Margarita

Location: Marilao, Bulacan

Unit Specification
Lot area:: 50 sqm
Floor area: 23 sqm

	Bare type	Finish type
Total contract price:	519,500.00	626,750.00
Less: discount	30,000.00	30,000.00
Net TCP	489,500.00	596,750.00
Est HDMF loan	440,000.00	530,000.00
Equity	49,500.00	66,750.00
Reservation fee	5,000.00	5,000.00
Net Equity	44,500.00	61,750.00
Monthly Equity Payable
12 months	3,708.33	5,145.83
10 months	4,450.00	6,175.00
8 months	5,562.50	7,718.75
6 months	7,416.67	10,291.67
Monthly Amortization Payable
30 years	2,927.33	3,461.01
25 years	3,109.83	3,745.93
20 years	3,411.32	3,990.85

Only Php5,000.00 to reserve

Affordable - as low as Php5,400.00 a month (Available thru Pagibig Financing)

Accessible – located along Zabarte Road, 5 minutes from SM Fairview

Unit specification

Floor area – 31 sqm
Toilet and bath – Tiled floor and walls, water closet, sink and shower
Flooring – ceramic tiles
Wall – painted