"My God Is So Big" Prayer Dance
26 May 2020Let’s get the positive vibe going amidst the pandemic with Lumina Homes Prayer Dance and follow the groove in the tune of My God Is So Big!
Let's get the positive vibes going amidst the pandemic with Lumina Homes Prayer Dance and follow the groove in the tune of My God Is So Big.
Lumina Homes is an economical housing segment under Vista Land that provides quality yet affordable house and lot to every Juan. Lumina acknowledges the needs of our kababayans in these trying times and launched a reminder that we have a strong and powerful God that will never leave our side no matter what.
Through this prayer dance, we can uplift the hopes and aspirations of our frontliners who are sacrificing their lives and time to save the whole community with the novel coronavirus. It also gives us high aspirations that the COVID-19 vaccine can soon be discovered to lessen the widespread of the virus around the globe.
Pag-IBIG Fund recognized lumina Homes to be the Top 1 Developer that offers affordable house and lot unit to Filipinos across the country. With its over 50 community projects in the Philippines, every Juan can have a chance to turn into reality their lifelong dream to have a house and lot that they can call their own.
One of the finest methods to generate money and, even better, a decent passive income source is investing in real estate. This is why it's like a great opportunity for home investors and those who dream of havingng a space of their own that Lumina Homes is offering the cheapest house and lot for sale in the Philippines.
It is more practical to invest in a property with affordable yet built with quality materials and located in a master-planned community as well as has proximity to essential establishments, infrastructures, and developments.
But of course, it's better if you can invest in real estate as early as now so that you will have more time to earn money and make wealth—not just Bahay Goals but also Investment Goals!
Some of the reasons to get real estate investments are:
Appreciation rates
Investing in real estate as early as possible is a terrific way to reap the benefits of its long-term value appreciation. When you invest in a property at a young age, you have the potential to see it appreciate at a faster pace.
It is common for a residential property to appreciate between 10% and 20% depending on variables such as inflation, location, and current market conditions.
For example:
Lumina Homes Angeli Single Firewall's total contract price in 2018 = Php 1.2 million
Lumina Homes Angeli Single Firewall's total contract price in 2021 = Php 1.9 million
Like this example tells us, the homeowner of a Lumina Homes Angeli Single Firewall unit in 2018 already gained an appreciation value rate of 30% for their property in just 3 years! WOW! Amazing, right?
Passive income
If you don't have to put in an effort to make money, you're making a passive income! Rental income happens to be one kind of this.
It turns out that property ownership is an excellent option to produce some passive income that requires no work on the part of the buyer. Whether you use it as your dwelling or have it rented, investing in real estate may provide a significant return on your money over time.
Let's give you an example. Granted that you buy the Angelique Unit from Lumina Homes that has a monthly amortization of Php 7,500. You decided to put it on a rental lease to earn additional income in the amount of Php 10,000. Now, this will give you the privilege of earning an additional income of Php 2,500 every month without any sweat and hassle!
You can even have your brand new house and lot unit be advertised in property listings like AirBnB or transient homes to get your real estate investment more publicity for rental lease.
Tangible asset
Real estate is an excellent investment since any improvements you make will raise its value. Investing at a young age is ideal since the value of a home and lot improves through time, resulting in a favorable return on your investment.
As low as Php 1,898 every month and with an annual interest of only 3%, our minimum wage or low-income earners can easily get their home investment through Pag-IBIG Housing Loan. That is way lower than the average monthly rental apartment fee.
Meanwhile, here are the requirements that you will need to prepare when you apply for a pag ibig housing loan.
For the standard documents, you would need to prepare the following:
- Two (2) pcs. of 2x2 ID picture
- Two (2) valid IDs
- Birth certificate (if single) plus CENOMAR (if you are a single parent)
- Photocopy of marriage certificate (if married)
- Proof of billing address / Barangay Certificate
- TIN ID
There are also a number of other things you should include in your application based on your working status, such as:
For OFW
- Original Certificate of Employment and Compensation (Notarized/Consularized)
- Proof of Remittances for the last six months
- Photocopy of Contract
- Photocopy of Passport with Entries
- Photocopy of Seaman's Book (if Sea-based)
- Payslip for the last three months
- Consularized / notarized SPA from the housing developer's admin
For Self-Employed
- Photocopy of Business Registration from DTI/SEC
- ITR for the last 2 Years
- Mayor's Permit
- Original audited financial statements for the last 2 Years
- PTR (for Practicing Professionals)
- Franchise/OR/CR (for Taxi, Jeepneys/ Bus Operators)
- Picture of Business Establishment
For Locally Employed
- Original Notarized Certificate of Employment and Compensation
- Payslip for the last three months
- Photocopy of Income Tax Return (ITR) and W-2 (latest)
Make sure to also bring the following just in case the processing officer asks for these documents: Vicinity Map of the Property, Additional Requirement by Loan Purpose, and the Certified True Copy of Title. But if you purchased the property through Lumina Homes, processing of the housing loan is assisted by the developer.
Lumina Homes and Pagibig Fund, all Filipinos can equally have a chance to own a house regardless of their financial status.
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For more information about the affordable house and lot for sale of Lumina Homes, please contact (0917) 629 6523.
Visit our official website at www.lumina.com.ph and like/follow our official online channels: Facebook, Twitter, Instagram, YouTube, Google MyBusiness & Google Maps, Pinterest, Spotify, Viber, Telegram, Lazada, and Shopee.
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