In-House Financing

For in-house financing, financing is extended by the company who is selling the property. Under this scheme, there is no transfer of ownership to the buyer until the property is fully paid.
If you are interested in securing in-house financing:

  • Gather information about your savings and monthly cash profile.
  • Having an idea of your funding resources, estimate what kind of a property you can afford, how much you can borrow, how much you can afford to pay on a monthly basis.

Typical factors affecting evaluation and approval of a request for in-house financing include the following:

  • Proof of monthly or periodic net cash inflow
  • Size and quality of assets and investments currently owned
  • Credit track record (as verified with other bank dealings and the presence of any court cases)
  • Purchase of and good payment track record in other Ayala Land properties, etc.
  • Tenure with the employer or number of years in business, in case of a professional or an entrepreneur.

An application for in-house financing is typically evaluated within a period of two weeks to one month. This timetable assumes complete documentation and solid evidence presented to support the various factors being used for evaluation. Length of processing may be prolonged by incomplete documents or insufficient evidence of capacity to pay.

 


Project:
ST. AGATHA HOMES 1 – PHASE 3B ONLY
Location:
Tikay, Malolos, Bulacan
Loan Type:
House & Lot

SAMPLE COMPUTATION
IN-HOUSE FINANCING (120 sq.m. @ 6,700)
Lot
120 sq.m.
120 sq.m.
120 sq.m.
120 sq.m.
120 sq.m.
House
50.5 floor area
58 floor area
65 floor area
74 floor area
80 floor area
House Model
“ARABELLA”
“IANNE”
“DONABELLE”
“MELISSA”
“ANNABELLA”
Lot Price
804,000.00
804,000.00
804,000.00
804,000.00
804,000.00
House Price
1,020,000.00
1,110,000.00
1,365,000.00
1,419,000.00
1,601,250.00
Total Contract Price
1,824,000.00
1,914,000.00
2,169,000.00
2,223,000.00
2,405,250.00
30 % Downpayment
547,000.00
547,000.00
650,700.00
666,900.00
721,575.00
Reservation
20,000.00
20,000.00
20,000.00
20,000.00
20,250.00
3 Months DP
527,000.00
527,000.00
630,700.00
646,900.00
701,575.00
Monthly Downpayment
175,733.33
184,733.33
210,233.33
215,633.33
233,858.33
BALANCE
1,276,800.00
1,339,800.00
1,518,300.00
1,556,100.00
1,683,675.00
Additional:
 
 
 
 
 
     Miscellaneous
25,400.00
25,400.00
25,400.00
25,400.00
25,400.00
Monthly Amortization
 
 
 
 
 
1 year
117,057.02
122,832.86
139,197.74
142,663.25
154,359.32
2 years
63,737.86
66,882.82
75,793.54
77,680.51
84,049.06
3 years
46,156.32
48,433.77
54,886.55
56,253.02
60,864.85
4 years
37,499.62
39,349.93
44,592.47
45,702.66
49,449.53
5 years
32,417.95
34,017.52
38,549.64
39,509.38
42,748.51


Project:
ST. AGATHA HOMES 1 – PHASE 3B ONLY
Location:
Tikay, Malolos, Bulacan
Loan Type:
Lot Only

SAMPLE COMPUTATION
30% DOWNPAYMENT SCHEME
12 months to pay Downpayment
5 years to pay amortization
IN-HOUSE FINANCING (120 sq.m. @ 6,700)
Contract Price
804,000.00
30% Downpayment
241,200.00
Reservation
10,000.00
 
231,200.00
Down Payment (12 months)
19,266.67
Balance
562,800.00
Monthly Amortization
 
5 years to pay
14,289.49
4 years to pay
16,529.44
3 years to pay
20,345.22
2 years to pay
28,094.98
1 year to pay
51,597.50


Project:
ST. AGATHA HOMES 1 – PHASE 3B ONLY
Location:
Tikay, Malolos, Bulacan
Loan Type:
Lot Only

SAMPLE COMPUTATION
30% DOWNPAYMENT SCHEME
3 months to pay Downpayment
1st yr. Interest Free
IN-HOUSE FINANCING (120 sq.m. @ 6,700)
Contract Price
804,000.00
30% Downpayment
241,200.00
Reservation
10,000.00
 
231,200.00
Down Payment (3 months)
77,066.67
Balance
562,800.00
Monthly Amortization
 
1st yr. Interest FREE
9,380.00
2nd-5th year
13,223.55
1st yr. Interest FREE
11,725.00
2nd-4th year
15,258.92
1st yr. Interest FREE
15,633.33
2nd-3th year
18,729.99
1st yr. Interest FREE
23,450.00
2nd year
25,798.75
1 year to pay
46,900.00


Project:
ST. AGATHA HOMES 1 – PHASE 4
Location:
Tikay, Malolos, Bulacan
Loan Type:
Lot Only

SAMPLE COMPUTATION
30% DOWNPAYMENT SCHEME
12 months to pay Downpayment
5 years to pay amortization
IN-HOUSE FINANCING (80 sq.m. @ 5,400)
Contract Price
432,000.00
30% Downpayment
129,600.00
Reservation
10,000.00
 
119,600.00
Down Payment (12 months)
9,966.67
Balance
302,400.00
Monthly Amortization
 
5 years to pay
7,677.94
4 years to pay
8,881.49
3 years to pay
10,931.76
2 years to pay
15,095.81
1 year to pay
27,724.03


Project:
ST. AGATHA HOMES 1 – PHASE 4
Location:
Tikay, Malolos, Bulacan
Loan Type:
Lot Only

SAMPLE COMPUTATION
30% DOWNPAYMENT SCHEME
3 months to pay Downpayment
1st yr. Interest Free
IN-HOUSE FINANCING (80 sq.m. @ 5,400)
Contract Price
432,000.00
30% Downpayment
129,600.00
Reservation
10,000.00
 
119,600.00
Down Payment (3 months)
39,866.67
Balance
302,400.00
Monthly Amortization
 
1st yr. Interest FREE
5,040.00
2nd-5th year
7,105.19
1st yr. Interest FREE
6,300.00
2nd-4th year
8,198.82
1st yr. Interest FREE
8,400.00
2nd-3th year
10,063.87
1st yr. Interest FREE
12,600.00
2nd year
13,862.02
1 year to pay
25,200.00


Project:
ST. AGATHA HOMES 2
Location:
Bulihan, Plaridel, Bulacan
Loan Type:
Lot Only

SAMPLE COMPUTATION
25% DOWNPAYMENT SCHEME
12 months to pay Downpayment
7 years to pay amortization
IN-HOUSE FINANCING (80 sq.m. @ 4,800)
Contract Price
384,000.00
Less: Discount of P 300.00/sq.m.
24,000.00
Net Total Contract Price
360,000.00
25% Downpayment
90,000.00
Reservation
10,000.00
 
80,000.00
Down Payment (12 months)
6,666.67
Balance
270,000.00
Monthly Amortization
 
7 years to pay
5,675.40
6 years to pay
6,158.70
5 years to pay
6,566.40
4 years to pay
7,651.80
3 years to pay
9,493.20
2 years to pay
13,219.20
1 year to pay
24,497.10


Project:
ST. AGATHA HOMES 2
Location:
Bulihan, Plaridel, Bulacan
Loan Type:
Lot Only

SAMPLE COMPUTATION
25% DOWNPAYMENT SCHEME
3 months to pay Downpayment
1st yr. Interest Free
IN-HOUSE FINANCING (80 sq.m. @ 4,800)
Contract Price
384,000.00
Less: Discount of P 300.00/sq.m.
24,000.00
Net Total Contract Price
360,000.00
25% Downpayment
90,000.00
Reservation
10,000.00
 
80,000.00
Down Payment (12 months)
26,666.67
Balance
270,000.00
Monthly Amortization
 
1st yr. Interest FREE
3,214.29
2nd-7th year
5,278.88
1st yr. Interest FREE
3,750.00
2nd-6th year
5,712.75
1st yr. Interest FREE
4,500.00
2nd-5th year
6,121.44
1st yr. Interest FREE
5,625.00
2nd-4th year
7,119.90
1st yr. Interest FREE
7,500.00
2nd-3th year
8,812.80
1st yr. Interest FREE
11,250.00
2nd year
12,248.55
1 year to pay
22,500.00