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Frequently Asked Questions

Frequently asked questions about the over-all purchasing process of an affordable house and lot in Lumina Homes.

Who are qualified to buy?

Any Filipino citizen of legal age, can present proof of income, and is willing to go through pre-qualification process.

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Where are the Lumina Homes properties located?

Lumina Homes properties are located in over 50 key cities and municipalities across the Philippines. You may view our complete property listing.

 

Lumina developments are built in accessible locations close to major thoroughfares, transport hubs, schools, hospitals, and business and leisure centers.

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How can I schedule a visit to the Lumina Homes property that I am interested in?

For tripping or site visit to any Lumina Homes property, the Buyer or Sales Agent may contact the Lumina Homes’ Sales Department for schedule at least one day before the desired tripping day.

 

Lumina Homes is also equipped with virtual 360 house tours that allows Buyers to view Lumina's house and lot offerings straight from their desktop or smartphones.

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Do I need a Broker or Sales Agent to purchase a Lumina Homes property?

Whether an interested Buyer is under a Broker or Sales Agent or not, the Buyer can purchase a Lumina Homes property as long as he or she can provide sufficient documents.

 

For a step-by-step guide on purchasing a Lumina Homes property, check out our Buyers' Guide.

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How much is the reservation fee for a Lumina Homes property?

The reservation fee for a Lumina Homes property starts at Php 3,000. It is non-refundable and non-transferrable.

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How do I reserve a Lumina Homes property?

Once the Buyer has selected a Lumina Homes unit that he or she wants to purchase, the Buyer is asked to present at least one (1) valid ID, fill-out the Reservation Documents, and pay the reservation fee  — minimum of Php3,000 depending on the house model.

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How do I reserve a Lumina Homes property via Online?

For reservations through online, Lumina Homes has "Lumina Homes Online," a one-stop home reservation portal that allows the Buyer to select available units, view the exact location of his or her preferred unit through an interactive web map, and pay the reservation fee through debit or credit card, or GCash. The Reservation Documents will be sent through email after the reservation payment has been made.

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Can I purchase a Lumina Homes property even if I am abroad?

Absolutely. Interested Buyers who are Overseas Filipino Workers (OFWs) have the option to issue a Special Power of Attorney (SPA) to any individual whom they have authorized to transact with Lumina Homes on their behalf.

 

For reservations through online, OFW Buyers can easily choose their preferred unit and pay the reservation fee using Lumina Homes Online.

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What are the different financing options for a Lumina Homes property?

The financing for a Lumina Homes property can be through Pag-IBIG housing loan, Bank, Deferred, or Spot Cash.

 

The Buyer's capacity to pay and submit the required documents must be considered in choosing the financing scheme.

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What is the next step after reservation?

The Buyer shall start paying the 1st downpayment thirty (30) days after his or her reservation payment.

 

If the Buyer has purchased a Ready Home, he or she must submit the standard requirements thirty (30) days after his or her reservation payment. These include Marriage or Birth Certificate, Two (2) pieces 1x1 ID photo in white background, Latest Proof of Billing Address or Barangay Certificate, Photocopy of two (2) valid IDs, Tax Identification Number, and Income Documents.

 

On the other hand, if the Buyer opted for a Non-ready Home, he or she may submit the standard documents and at least 1 proof of income six (6) months after his or her reservation payment.

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Where can I pay the downpayment for my Lumina Home?

Lumina Homes Buyers can pay their downpayment and amortization over-the-counter (OTC) through accredited banks and payment centers or through online using digital wallets, online banking, and credit card.

 

For a complete list of Lumina Homes' online payment channels, visit the Lumina Online Payment Portal.

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If I am based abroad, how can I pay the downpayment for my Lumina home?

OFW homebuyers have the option to issue post-dated checks (PDCs) drawn from a local bank. They can also make arrangements for fund transfer or authorize a representative to pay on their behalf.

 

For a complete list of Lumina Homes' online payment channels, visit the Lumina Online Payment Portal.

 

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What are the documents needed to apply for a housing loan?

Prepare and submit the Standard requirements namely: Marriage/Birth Certificate, 2pcs 1x1 ID photo in white background, Latest Proof of Billing Address or Barangay Certificate, Photocopy of 2 valid IDs, and Tax Identification Number or TIN.

 

For Ready Homes, submit the complete documentation requirements (refer to checklist provided) specially proof of income and accomplish all forms and Documents.

 

For Non-Ready Homes, submit at least 1 proof of income and notarized SPA for OFW.

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When to submit your documents?

For Ready Homes, 30 days or 1 month after reservation; while

 

Non-Ready Homes,6 months after reservation.

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When can I move into my Lumina home?

The Buyer can apply for move-in once the downpayment is paid in full and the home loan through Pag-IBIG or Bank is released. The Lumina Homes' Customer Care Department (CCD) Officer will notify those who are eligible to apply for move-in.

 

For Buyers under Spot Cash financing, move-in application is upon full payment of Total Property Price. For those under Deferred Cash financing, payment of 50% of the Total Property Price is required.

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I have started paying the downpayment for my Lumina home. Can I transfer the property to my child or relative?

The Transfer of Rights can be done as long as the Buyer will provide a Transfer of Rights.

 

Any transfer — a change in block and lot or change in Principal Buyer or Ownership — is subject to credit approval, with minimum fee of Php 10,000.

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Can I construct a fence or an extension to my Lumina Home property once I moved in?

For any home improvement, the Buyer must first obtain approval of the Lumina Homes' Customer Care Department and secure extension and fencing permit from the LGU if necessary by presenting a plan or sketch of the proposed improvement, paying the construction bond, and registering the name of workers who will enter the subdivision.

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How do I apply for my utilities?

The Buyer shall apply for his or her own water and electricity connection, and shall pay any applicable charges or fees to the Provider.

 

Any technical documents required by the Provider to complete the application can be requested from the Lumina Homes' Customer Care Department (CCD).

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What are my other obligations as a Lumina Homebuyer?

After the Lumina Homes property is turned over to the Buyer, he or she is expected to:

• Pay the required Homeowner's Association (HOA) membership fees or dues.

• Pay the Real Property Tax for the house and lot unit after house turnover or loan release, whichever comes first.

• Pay the monthly amortization to the Financing Institution continuously after loan has been released.

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Do I get any refund once I decided to stop the house purchase?

The Reservation Fee is non-refundable and non-transferrable.

 

Cancellation of unit is covered by Maceda Law. Otherwise, your payments will be forfeited.

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