Taal VIew Heights Computations 29 July 2009

8/14/2019 Taal VIew Heights Computations 29 July 2009

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TAAL VI W HEIGHTS

In-hou e inancing

Sam le Computation ISTA LAGO(Lot Only)

Phase : Vista Lago Block : Total Contra t Price 4,725,000

Lot Area : 750 Lot : Reservation Fee 50,000

Price/sqm 6,300.00

Option 1 (F

ull Cash) Option 4 (30 70)

30% Down Payment 1,417,500 Factor Rates

TCP 4,725,000 Less Reservati

on Fee 50,000 years % Factor

Less: Discount 15% 708,750 Net Downpayment 1,367,500 3 15 0.0346653285

Less Reser vation Fee 50,000 3 18 0.0361523955

Net TCP 3,966,250 DP payable at 0% int. with PDC 5 15 0.0237899301

6 Months 227,916.67 5 18 0.0253934274

10 18 0.0180165199

Option 2 (5 /50) 70% Balance 3,307,500 10 21 0.0199931675

50% Down Pay ent 2,362,500 Monthly Amortization with PDCs without PDCs 4 15 0.0278307483

Less: Discount on DP 15% 354,375 1 year 275,625.00 293,867.374 18 0.0293749996Less Reser vation Fee 50,000 2 years 137,812.50 155,695.51 9 18 0.0187568877

Net Payabl in 30 days 1,958,125 3 years 109,856.33 114,655.57 9 21 0.0206743675

5 years 78,685.19 83,988.76

50% Balance 2,362,500 10 years 59,589.64 66,127.40

Monthly A ortization at 0% int. with PDC Factor Rates24 Months 98,438 years % Factor

3 12 0.0332143098

Option 3 (3 /70) Spot P Option 5 (20 80) 3 15 0.0346653285

30% Down Pay ent 1,417,500 20% Down Payment 945,000 5 15 0.0237899301

Less: Discount on DP 10% 141,750 Less Reservati

on Fee 50,000 8 18 0.0197232141

Less Reser vation Fee 50,000 Net Downpayment 895,000 5 18 0.0253934274

Net Payabl in 30 days 1,225,750 8 21 0.0215810099

DP payable at 0% int. with PDC

70% Balance 3,307,500 6 Months 149,166.67

Monthly A ortization at 0% int. with PDC

24 Months 137,813 80% Balance 3,780,000

Monthly Amortization with PDCs without PDCsEffective IInterest R tes: 1 year 315,000.00 335,848.42

# of Years w/ PDCs Factor Rate w/o PDCs Factor Rate 2 years 157,500.00 177,937.72

1 0% 0.0000000000 12% 0.0888487887 3 years 125,550.09 131,034.94

2 0% 0.0000000000 12% 0.0470734722 5 years 89,925.94 95,987.16

3 12% 0.0332143098 15% 0.0346653285 10 years 68,102.45 75,574.17

5 15% 0.0237899301 18% 0.0253934274

10 18% 0.0180165199 21% 0.0199931675

*** Sampl Computation nly. Subject to hange Without Prior Notice***

as of March 10, 2009



TAAL VIE HEIGHTS

In-house inancing

Sampl Comput tion Aldea del Sur / Aldea d l Oeste(Lot Only)

Phase : Aldea del S r/ del Oeste Block : Total Contra t Price 1,625,000


Price/sqm 6,500.00

Option 1 (Full Cash) Option 4 (30 70)

30% Down Payment 487,500 Factor Rates

TCP 1,625,000 Less Reservatiion Fee 25,000 years % Factor

Less: Discount 15% 243,750

Net Downpay ent 462,500 3 15 0.0346653285

Less Reservation Fee 25,000 3 18 0.0361523955

Net TCP 1,356,250 DP payable at 0% int. with PDC 5 15 0.02378993016 Months 77,083.33 5 18 0.0253934274

10 18 0.0180165199

Option 2 (50/50) 70% Balance 1,137,500 10 21 0.0199931675

50% Down Paym nt 812,500 Monthly Amortization with PDCs without PDCs 4 15 0.0278307483

Less: Discount on DP 15% 121,875 1 year 94,791.67 101,065.50 4 18 0.0293749996

Less Reservation Fee 25,000 2 years 47,395.83 53,546.07 9 18 0.0187568877

Net Payable in 30 days 665,625 3 years 37,781.28 39,431.81 9 21 0.0206743675

5 years 27,061.05 28,885.02

50% Balance 812,500 10 years 20,493.79 22,742.23

Monthly Am rtization at 0% int. with PDC Factor Rates

24 Months 33,854 years % Factor

3 12 0.0332143098

Option 3 (30/70) Spot DP Option 5 (20 80) 3 15 0.0346653285

30% Down Paym nt 487,500 20% Down Paymen

t 325,000 5 15 0.0237899301

Less: Discount on DP 10% 48,750 Less Reservatiion Fee 25,000 8 18 0.0197232141

Less Reservation Fee 25,000

Net Downpay ent 300,000 5 18 0.0253934274

Net Payable in 30 days 413,750 8 21 0.0215810099


70% Balance 1,137,500 6 Months 50,000.00

Monthly Am rtization at 0% int. with PDC

24 Months 47,396 80% Balance 1,300,000

Monthly Amortization with PDCs without PDCs

Effective I terest Rat s: 1 year 108,333.33 115,503.43


1 0% 0.0000000000 12% 0.0888487887 3 years 43,178.60 45,064.93

2 0% 0.0000000000 12% 0.0470734722 5 years 30,926.91 33,011.46

3 12% 0.0332143098 15% 0.0346653285 10 years 23,421.48 25,991.12

5 15% 0.0237899301 18% 0.0253934274

10 18% 0.0180165199 21% 0.0199931675

*** Sample Computation Only. Subject to Cha ge Without Prior Notice***




TAAL VIEW HEIGHTS

In-house Fiina cing

ample Computation Pueblo de Talisay(Lot Only)

Phase : Pueblo de alisay Block : Total Contra t Price 1,400,000


Price/sqm 7,000.00

Option 1 (Full Cash) Option 4 (30

/70)

30% Down Payme t 420,000 Factor Rates

TCP 1,400,000 Less Reservation Fee 25,000 years % Factor

Less: Discount 15% 210,000 Net Downpay ent 395,000 3 12 0.0332143098

Less Reser ation Fee 25,000 3 15 0.0346653285

Net TCP 1,165,000 DP payable at 0% int. with PDC 3 18 0.0361523955

6 Months 65,833.33 5 15 0.0237899301

5 18 0.0253934274

Option 2 (50/50) 70% Balance 980,000 4 15 0.0278307483

50% Down Payment 700,000 Monthly Am rtization with PDCs without PDCs 4 18 0.0293749996

Less: Disco

unt on DP 15% 105,000 1 year 81,666.67 87,071.81 9 18 0.0187568877

Less Reser ation Fee 25,000 2 years 40,833.33 46,132.00 9 21 0.0206743675

Net Payable in 30 days 570,000 3 years 32,550.02 33,972.02 10 18 0.0180165199

5 years 23,314.13 24,885.56 10 21 0.0199931675

50% Balance 700,000 10 years 17,656.19 19,593.30 8 18 0.0197232141

Monthly Amortization at 0% int. ith PDC 5 18 0.0253934274

24 Months 29,167 8 21 0.0215810099

Option 3 (30/70) Spot D Option 5 (20

/80)

30% Down Payment 420,000 20% Down Payme t 280,000

Less: Discount on DP 10% 42,000 Less Reservation Fee 25,000

Less Reser ation Fee 25,000 Net Downpay ent 255,000

Net Payable in 30 days 353,000


70% Balance 980,000 6 Months 42,500.00

Monthly Amortization at 0% int. ith PDC

24 Months 40,833 80% Balance 1,120,000

Monthly Am rtization with PDCs without PDCs

Effective I terest Ra es: 1 year 93,333.33 99,510.64


1 0% 0.0000000000 12% 0.0888487887 3 years 37,200.03 38,825.17

2 0% 0.0000000000 12% 0.0470734722 5 years 26,644.72 28,440.64

3 12% 0.0332143098 15% 0.0346653285 10 years 20,178.50 22,392.35

5 15% 0.0237899301 18% 0.0253934274

10 18% 0.0180165199 21% 0.0199931675

*** Sample Co putation Only. Subject to Chan e Witho

ut Prior Notice***




TAAL VIE HEIGHTS

In-house Fi ancing

Sample Computation ist Lago (H use & L t))

Phase : Vista Lago Block : Total Contra

ct Price 9,180,000

Series : Bahay na Bato - Rustico Lot :

Lot Area : 750 Flr. Area : 150 Reservation Fee 100,000

Price: 6,300.00 29,700 Net Contrac Price 9,080,000

Option 1 (Full Cash) Option 3 (30/70)

TCP 9,180,000 30% Down Pay ent 2,754,000 Factor Rates

Less: Discount 10% 918,000 Less: Discount on Spot DP 10% 275,400 years % Factor

Less Reservation Fee 100,000 Less : RF 100,000 3 12 0.0332143098

Net TCP 8,162,000 Discounted DP 2,378,600 3 15 0.0346653285

90% Cash Outlay fter 30 days 7,345,800 3 18 0.0361523955

10% Upon Turn-over 816,200 30% Down Pay ent 2,754,000 5 15 0.0237899301

Less : RF 100,000 5 18 0.0253934274

Net DP 2,654,000 4 15 0.0278307483

Payable at 0% int. With PDC 4 18 0.0293749996

12 Months 221,167 9 18 0.0187568877

Option 2 (50/50) 9 21 0.0206743675

50% Down Payment 4,590,000 70% Balanc 6,426,000 10 18 0.0180165199

Less: Discount on DP 10% 459,000 Monthly Am rtization with PDCs without PDCs 10 21 0.0199931675Discounted DP 4,131,000 1 year 535,500.00 570,942.32 8 18 0.0197232141

2 years 267,750.00 302,494.13 5 18 0.0253934274

50% Balance at 0% int. 4,590,000 3 years 213,435.15 222,759.40 8 21 0.0215810099

Monthly Amo

rtization at 0% int. with PDC 5 years 152,874.09 163,178.16

24 Months 191,250 10 years 115,774.16 128,476.09

Option 4 (20/80)

20% Down Pay ent 1,836,000

Less : RF 100,000

Effective Interest Rates: Net DP Months 1,736,000

# of Years w/ PDCs Factor Rate w/o PDCs Factor Rate

1 0% 0.0000000000 12% 0.0888487887 Payable at 0% int. With PDC

2 0% 0.0000000000 12% 0.0470734722 12 Months 144,667

3 12% 0.0332143098 15% 0.0346653285

5 15% 0.0237899301 18% 0.0253934274 80% Balanc 7,344,000

10 18% 0.0180165199 21% 0.0199931675 Monthly Am rtization with PDCs without PDCs

1 year 612,000.00 652,505.50

2 years 306,000.00 345,707.58

3 years 243,925.89 254,582.175 years 174,713.25 186,489.33

10 years 132,313.32 146,829.82

*** Sam

ple Comput

ation Only. Subject t Change Without Prior Notice***




TAAL VIE H IGHTS

In-house Fin ncing

Sample Computation Aldea del S r / Aldea el Oeste(H use & Lot)

Phase : Aldea del Sur/ del Oeste Block : Total Contract Price 4,595,000

Series : Mesita Lot :

Lot Area : 250 Flr. Area : 100 Reservation Fee 100,000

Price: 6,500.00 29,700 Net Contr act Price 4,495,000

Option 1 (Full Cash) Option 3

(30/70)

TCP 4,595,000 30% Down Payment 1,378,500 Factor Rates

Less: Discount 10% 459,500 Less: Discount on Spot DP 10% 137,850 years % Factor

Less Reservation Fee 100,000 Less : RF 100,000 3 12 0.0332143098

Net TCP 4,035,500 Discounted DP 1,140,650 3 15 0.0346653285

90% Cash Outlay A ter 30 days 3,631,950 3 18 0.0361523955

10% Upon Turn-over 403,550 30% Down Payment 1,378,500

Less : RF 100,000

Net DP 1,278,500 5 15 0.0237899301

Payable t 0% int. With PDC 5 18 0.025393427412 Months 106,542 4 15 0.0278307483

Option 2 (50/50) 4 18 0.0293749996

50% Down Paymentt 2,297,500 70% Balance 3,216,500 9 18 0.0187568877

Less: Discount on DP 10% 229,750 Monthly mortization with PDCs without PDCs 9 21 0.0206743675

Discounted DP 2,067,750 1 year 268,041.67 285,782.13 10 18 0.0180165199

2 years 134,020.83 151,411.82 10 21 0.0199931675

50% Balance at 0% int. 2,297,500 3 years 106,833.83 111,501.03 years % Factor Monthly Amorti

zation at 0% int. with PDC 5 years 76,520.31 81,677.96

24 Months 95,729 10 years 57,950.14 64,308.02

Option 4 (20/80) 8 18 0.0197232141

20% Down Payment 919,000 5 18 0.0253934274

Less : RF 100,000 8 21 0.0215810099Effective I terest Rates: Net DP Months 819,000

# of Years w/ PDCs Factor Rate w/o PDCs Factor Rate

1 0% 0.0000000000 12% 0.0888487887 Payable t 0% int. With PDC

2 0% 0.0000000000 12% 0.0470734722 12 Months 68,250

3 12% 0.0332143098 15% 0.0346653285

5 15% 0.0237899301 18% 0.0253934274 80% Balance 3,676,000

10 18% 0.0180165199 21% 0.0199931675 Monthly mortization with PDCs without PDCs

1 year 306,333.33 326,608.15

2 years 153,166.67 173,042.08

3 years 122,095.80 127,429.75

5 years 87,451.78 93,346.24

10 years 66,228.73 73,494.88

*** Sa ple Computati

on Only. Subject to Change Without Prior Notice***




TAAL VIE HEIGHTS

In-house Financing

Sample Computa ion Pueblo de Talisay - Inner lot (H use & Lot))

Phase : Pueblo de Talisay Block : Total Contract Price 4,026,400

Series : Amora Lot :Lot Area : 200 Flr. Area : 134.06 Reservation

Fee 100,000

Price: 7,000.00 Net Contr act Price 3,926,400

Option 1 (Full Cash) Option 3 (20/80)

TCP 4,026,400 20% Down Payment 805,280 Factor Rates

Less: Discount 7% 276,400 Less Reserv tion Fee 100,000 years % Factor

Net TCP 3,750,000 Net DP 705,280 3 12 0.0332143098

Less Reservation Fee 100,000 3 15 0.0346653285

30% Down Payment 1,125,000 5 15 0.0237899301

8 18 0.0197232141

70% Balance 2,625,000 80% Balance 3,221,120 5 18 0.0253934274

Monthly Amo

rtization at 0% int. with PDC Monthly Amortization in (at 12% int.) 8 21 0.0215810099

6 Months 437,500 120 Months 46,214

Option 2 (10/90) Option 4 (30/70)

10% Down Payment 402,640 30% Down Payment 1,207,920

Less Reservation Fee 100,000 Less Reserv tion Fee 100,000 Net DP 302,640 Net DP 1,107,920

90% Balance 3,623,760 70% Balance 2,818,480

Monthly Amo

rtization in (at 1 % int.) Monthly Amortization in (at 12% int.)

120 Months 51,990 120 Months 40,437

*** Sample C mputation Only. Subject to Change Without Prior Notice***




HOUSE & LOT PACKA ES FOR PUEBLO DE TALISAY (JOINT VENTU E WITH JAO BUI

LDERS)

THR IN-HOUSE FIN NCING

HOUSE MODEL AMORA BELITA CELESTE DULCEA

PRICE 4,026,400.00 5,243,000.00 5,371,000.00 5,648,000.00

RESERVATION FEE 50,000.00 50,000.00 50,000.00 50,000.00

DOWNPAYMENT (10% ) 352,640.00 474,300.00 487,150.00 514,800.00( net of reservation fee )

BALANCE ( 90% ) 3,623,760.00 4,718,700.00 4,834,350.00 5,083,200.00

Monthly Amortization 51,990.43 67,899.64 69,358.88 72,929.15

on Balance - 10 yrs at

12% per annum

THRU BANK FINANCI G


PRICE 4,026,400.00 5,243,000.00 5,371,000.00 5,648,000.00

RESERVATION FEE 50,000.00 50,000.00 50,000.00 50,000.00

DOWNPAYMENT (20%) 755,280.00 998,600.00 1,024,200.00 1,079,600.00

( net of reservation fee )

- to be paid in 15 equal

monthly installments 50,352.00/ mo 66,573.33/ mo 68,280.00/ mo 71,973.33/ mo

EQUITY ( 10% ) 402,640.00 524,300.00 537,100.00 564,800.00

-to be amortized in 36

equal monthly install-

ment at 0% interest 11,184.44/ mo 14,563.90/ mo 14,919.45/ mo 15,688.90/ mo

BALANCE ( 70% ) 2,818,480.00 3,670,100.00 3,759,700.00 3,953,600.00

Monthly Amortization on

Balance at 10% interest

per annum

10 years 37,246.42 48,500.64 49,684.71 52,247.12

15 years 30,287.53 39,439.08 40,401.93 42,485.59

HOUSE & LOT PACKA ES FOR PUEBLO DE TALISAY (JOINT VENTU E WITH JAO BUI

LDERS)

CASH


PRICE 3,750,000.00 4,880,000.00 4,995,000.00 5,260,000.00

RESERVATION FEE 50,000.00 50,000.00 50,000.00 50,000.00

DOWNPAYMENT (30%) 1,125,000.00 1,464,000.00 1,498,500.00 1,578,000.00( net of reservation fee )

BALANCE ( 70% ) 2,625,000.00 3,416,000.00 3,496,500.00 3,682,000.00to be paid in 6 equal

monthly installment 437,500.00 /mo 569,333.33/ mo 582,750.00/ mo 613,666.66/ mo

NOTES : 1. Downpayment fo the cash & in-house term is payable in 60-90 days

2. Downpayment fo Bank Financing is payable in 15 months

3. Equity of 10% for Bank Financing term is payable in 36 equal monthly

installments to commence immediately after the full downpay ent

4. Schedule of Disc unts on the Downpayment :

For 30% downpa ment : 10 % on the downpayment if paid in 30 days

5% on th downpayment if paid in 60 days

For 20% downpa ment : 8% on the ownpayment if paid i 30 days

4% on the downpayment if pai in 60 days

Promo discount on the 10% downpaym

ent

5% on th downpayment if paid in 30 days

*** SAMPLE COMPUTATIONS ONLY, SUBJECT TO CHA GE WITHOUT PRIOR OTICE ****

As of March 10, 2009

Documents

Taal VIew Heights Computations 29 July 2009