Juan Hour Featuring Lumina Calauan and Lumina Tanauan

The Lumina Homes' Juan Hour new weekly ritual, takes place every Wednesday at 5 p.m. Lumina Homes will be featured in our Like, Follow, and Subscribe Party in our online digital account, so be sure to check it out!

From the number of new followers from our official social media accounts, Lumina Homes will choose one fortunate winner who will get a prize of Php 1, 000 AllEasy credits. That's right, all it takes to win is to join the "Like, Follow, and Subscribe Party."

If you want to learn more about Lumina Homes and home investing, promos, and updates, be sure to listen in to our Juan Hour show on a regular basis. Whether you’re using your desktop or smartphone, you can visit our Official Facebook Page at www.facebook.com/luminahomesofficial.

Here are the Juan Hour Mechanics that will help you win the All Easy Load:

1. Like and follow Lumina Homes’ official Facebook Page at www.facebook.com/luminahomesofficial.
2. Like and share this Juan Hour episode.
3. Share in the comments below your proof of entry.
4. By 6 PM, Lumina Homes will gather all the valid entries and have one winner of Php 1, 000 AllEasy Credits that will be selected among the valid entries via a raffle draw.
5. The winner will be announced at Lumina’s Official Facebook Page.

You can also watch our Juan Hour episodes in our official website at www.lumina.com.ph/live-event.

Lumina Calauan

Calauan Laguna is also known as the home for the sweetest pineapples. With only a distance of 1.5 hours away from Manila, Laguna offers a variety of places that both nature lovers and adventurers will love.

Some of the tourist attractions that you can visit in Calauan Laguna are:

• Isdaan Floating Restaurant. It serves freshly cooked seafoods and other cuisines.
• Hidden Valley Spring Resort. Great for people who are looking for relaxing yet invigorating place, then this resort is perfect for you!
• Iskargu Restaurant. They serve lutong-bahay ISda, KArne, and GUlay that every food lover will surely enjoy.

Want to unlock a lifetime enjoyment of Calauan Laguna? You can now give this best gift this Christmas to your loved ones through Lumina Calauan!

Lumina Calauan is a 9 hectare housing project from Lumina Homes located in Brgy. Masiit Calauan, Laguna. It is very accessible as it is only 500 meters away from the national highway and is also near the towns of Calamba City, Los Baños, Bay, San Pablo, Pila, Victoria, and Sta. Cruz.

Lumina Calauan is also quite accessible to:

Schools

• Hanggan Elementary School
• San Isidro Elementary School
• Saint Bridgette Integrated School
• Dayap National High School
• Polytechnic University of the Philippines – Calauan

Hospitals

• Calauan Health Center
• Global Clinic
• Maribeth A. David Medical Clinic
• Health Serv Los Baños Medical Center
• Maitim Bay Laguna Public Hospital

Markets and malls

• City Mall
• Puregold Calauan
• Calauan Public Market
• SM San Pablo
• South Supermarket

Available Home Model Units

Lumina Calauan offers 3 economic houses that range from Php 1.5 million to Php 2.1 million.

Adriana Townhouse

With floor area of 44 square meter and minimum lot are of 36 square meters. This two-storey townhouse for sale Philippines is baretype upon turnover.

Athena Duplex and Athena Single Firewall

With floor area of 53 square meter and minimum lot are of 63 square meters. This two-storey house and lot for sale is complete furnish upon turnover.

Amenities

Lumina Calauan amenities available inside the subdivision are basketball court, mini parks & playground, gazebo, and a guarded entrance.

Lumina Tanauan

In buying a brand new house and lot, you need to consider these factors: quality, location, community, and affordability.

Tanauan City is also called the City of Colors and one of the oldest cities in Batangas. Old as it is, Tanauan is also one of the progressive towns in the Province of Batangas—from urban to a booming urban town because of the continuous infrastructure, building establishments, and manufacturing businesses developments.

Some of the tourist attractions that you can visit in Tanauan Laguna are:

• Mabini Shrine. The City of Tanauan is the hometown of one of our heroes, Apolinario Mabini.
• This 2^nd Summer Capital of the Philippines, you can enjoy a series of adventure, road trip, food trip or just a simple vacation! The great thing is it is just 45 minutes drive if you will take the Talisay Road.

If you’re looking to live in a place that soon to be like the metro, then Lumina Tanauan is the best gift this Christmas for you and your loved ones!

How to get there?

Via Commute: From Manila, take a bus going to Tanauan City, Batangas. Take off along Tanauan startoll exit, then ride a tricycle going to Lumina Tanauan.

Via Private Vehicle: From Manila take SLEX and exit in Tanauan startoll then turn left on Mabini Avenue Road going to Lumina Tanauan.

Lumina Tanauan is only 2 km away from the Town Proper or Market and Hospitals while it’s 2.5 km away to National Highway with close proximity to various businesses and commercial hubs. It is also a 15 hectare masterplanned subdivision and composed of 1, 461 model units. It is located in Brgy. Hidalgo, Tanauan City, Batangas and quite near to the town or cities of Sto. Tomas, Malvar, Talisay, and Lipa City.

Lumina Tanauan is also quite accessible to:

Schools

• Hidalgo Elementary School
• STI College
• La Consolacion College
• First Asia Institute of Technology and Humanities (FAITH)

Hospitals

• Daniel O. Mercado Hospital
• P. Reyes
• Gonzales Medical and Children’s Hospital
• Laurel District Memorial Hospital
• Corachea General Hospital

Markets and malls

• Victory Mall
• Puregold Tanauan
• Tanuan Public Market
• Waltermart Tanauan

Available Home Model Units

Lumina Tanauan offers 2 economic houses that range from Php 1.5 million to Php 2 million.

Bettina Townhouse

With floor area of 44 square meter and minimum lot are of 42 square meters.

Angeli Single Firewall

With floor area of 42 square meter and minimum lot are of 54 square meters.

***Both of these house and lot for sale Philippines are available through bank financing, in house financing, and deferred financing.

Amenities

Lumina Tanauan available amenities inside the subdivision are basketball court, mini parks & playground, and a guarded entrance.

For this month, Lumina Tanauan has an ongoing Bahay Goals Bundle Promo that entitles them for:

• FREE HOA Membership Fee
• FREE Water Application Fee
• FREE Electricity Application Fee

You can avail this if you purchase a two-storey house and lot package from Lumina Tanauan via bank financing.

Why properties in Lumina Tanauan are a good investment?

1. Home value appreciates quarterly
2. High quality homes
3. 24/7 guarded entrance

For inquiries you can contact their Marketing Department at: 0920-911-1470 / 0917-801-2415. You can also visit their Facebook Page at www.facebook.com/1Tanauan or visit their office at 2^nd floor NDN bldg. Lumina Office, San Roque, Sto. Tomas City, Batangas.

Benefits and Advantages of Bank Financing

1. Convenient

Application form can be filled out and signed online.

2. Fast approval

Your loan can be approved within 3 to 5 banking days upon submission of complete requirements.

3. Flexible loan terms

Bank financing allows you to have a minimum loanable amount of Php 500, 000 with a maximum loanable amount of 90% from the total contract price of your property. It also has a maximum payment terms of 20 years.

4. Comparative interest rate

Bank financing annual interest rate can be as low as 6%.

Who can borrow through bank financing?

• Filipino or dual Filipino citizens
• At least 21 years old upon application
• At most 65 years old upon loan maturity
• Permanently employed for at least 2 years
• Business must be in profitable operation for at least 2 years for self-employed

How to qualify?

 For you to understand it clearly, let us give you some example:

Gross Monthly Income  -              Php 40, 000

Debt Burden Ratio           -              30%

Net Disposable Income  -              Php 12, 000

*Amortization must be equal or less than the NDI.

*DBR computation will be based on submitted income profile.

Requirements

For locally employed

• 2 valid IDs
• Marriage certificate or birth certificate
• Latest ITR
• Certificate of employment with compensation
• Latest 3 months pay slips

For self employed

• 2 valid IDs
• Marriage certificate or birth certificate
• Audited financial statement for the last 2 years
• Business registration / Mayor’s Permit
• Bank statement for the last 6 months
• Company profile

*Please note that additional requirements may be requested.

For OFW

• 2 valid IDs
• Marriage certificate or birth certificate
• Latest ITR
• Certificate of employment with compensation or latest contract
• Latest 3 months pay slips
• Personal details and contact number of Attorney-In-Fact
• Special Power of Attorney
• Notarized if executed in the Philippines (Passport entry and exit stamps)
• Consularized if executed abroad

*Please note that additional requirements may be requested.

Interest rates

For fixing terms of 1-3 years        =             6.00%-6.50% prevailing rates

For fixing terms of 4-5 years        =             7.38%-8.00% prevailing rates

FAQs

1. Upon approval, can we still change the loan term and fixing rate as per client’s request? Yes, but it is still subject for approval and will still base on income profile and age of the client.
2. What if borrower’s income is insufficient, what are the options? Client may appoint a co-borrower or settle additional down payment.
3. Who can be qualified as co-borrower? Must be first degree, with regular employment status, or business established for 2 years.
4. What if client has marital issue, can they still apply for loan? Principal borrower must be annulled or with court order, if not, spouse should also appear in all documents. 
5. What if borrower has existing insurance already, can they use it as an insurance for housing loan? This will be possible, existing insurance will be subject for evaluation.
6. Why do housing loans get disapproved? Client may have an existing loan resulting to insufficient income or client with poor payment history, cancelled cards, or adverse loan.

Buy now a house and lot for sale thru bank financing with Lumina Homes and enjoy these benefits!