EAST ORIENT PROPERTIES HOLDINGS, INC.

SALES & MARKETING DEPARTMENT

CLIENT INTERVIEW & DISCUSSION

For LOT PURCHASE

1. QUALIFICATIONS

a) For LOT Purchase: IN-HOUSE FINANCING

 Should atleast have the following requirements;
 2 valid IDs
 Tax Identification Number (TIN)
 Birth Certificate
 Marriage Contract (if married)
 Proof of Billing or Brgy. Certificate of Residence

*Reminders:
 Downpayment for inner lots are payable for twelve (12) months without interest;
however, there will be surcharge/penalty for late payment:
 2% surcharge applies on the downpayment; and
 4% surcharge applies on the monthly amortization
 Downpayment starts by the following month after the date of reservation. Client/buyer
may choose their date of payment (due) either every 15th or 30th of the month.
 18% interest rate per annum applies on the remaining balance.
 If full cash payment, 10% discount applies.
 Maximum of five (5) loan term years except for Avalon Estates (up to 10 years).
 Collection of monthly dues for the repairs and maintenance of the amenities/subdivision,
garbage collection, and security. Additional P100 if house is already build.
 Fully developed projects - collection starts upon initial payment
 On-going projects - collection start once fully develop
 After payment has been fully settled, clients may request for the title fee.
 Process of titling takes up to 3-4 months after paying the titling fee.
 House construction may start if payments has been fully settled and when the title has
been transferred to the buyer.

b) For LOT Purchase: PAG-IBIG FINANCING

 Should be employed / OFW / with business.
 Should at least have twenty four (24) months (updated) monthly contribution; if not,
 Client/buyer can pay or lump sum the required contribution base on his/her monthly
membership contribution rate.
 Could provide the following requirements; please refer to the checklist of requirements.
 Has capacity to pay the desired loan; to consider: income/salary, age, existing loans or any
payables based on gross income.
 *Reminders:
 Payment terms: 20-30% downpayment (office), 70-80% balance/loan (Pag-Ibig).
 Expect equity if desired (70-80%) loan has been disapproved.
 Appraisal Fee: P3,000.00 per lot or adjacent lot
 Documentation Fee: P2,000.00 per lot
 Up to thirty (30) loan term years.
 6 months continuous monthly downpayment before turn in to Pag-Ibig; if
 Downpayment is cash, at least 2 weeks to 1 month before turn in.
 3-4 months processing, also depends on the client's completion of requirements.
 Give time for documentation process, technical process, and approval of management
(RKL).

c) For LOT Purchase: BANK FINANCING

 Should be employed / OFW / with business.
 Could provide the following requirements; please refer to the checklist of requirements.
 Has capacity to pay the desired loan; to consider: income/salary, age, existing loans or any
payables based on gross income.

*Reminders:
 Payment terms: 20-30% downpayment (office), 70-80% balance/loan (Pag-Ibig).
 Expect equity if desired (70-80%) loan has been disapproved.
 6 months continuous monthly downpayment before turn in to Pag-Ibig.
 Accredited banks: BPI and Metrobank.
 BPI: minimum loan of P450,000.00
 Metrobank: minimum loan of P1,000,000.00
 Maximum of ten (10) loan term years.
 2-3% bank charges based on the approved loan.

Prepared by: Sales & Marketing Department

Checked by:

Maria Ezra Adriano Shane Erilla

Marketing Documentation Credits & Collection
EAST ORIENT PROPERTIES HOLDINGS, INC.
SALES & MARKETING DEPARTMENT

CLIENT INTERVIEW & DISCUSSION

 For HOUSE & LOT Purchase

1. QUALIFICATIONS

a) For HOUSE & LOT Purchase: PAG-IBIG FINANCING

 Should be employed / OFW / with business.
 Should at least have twenty four (24) months (updated) monthly contribution; if not,
 Client/buyer can pay or lump sum the required contribution base on his/her monthly
membership contribution rate.
 Should provide Membership Verification Status Slip or MSVS from Pag-Ibig.
 Could provide the following requirements; please refer to the checklist of requirements.
 Has capacity to pay the desired loan; to consider: income/salary, age, existing loans or any
payables based on gross income.
 Monthly amortization should not exceed from 30% of the gross monthly income.
 Legal age and not more than 65 years old during the loan application.
 Age should not be more than 70 years old during loan maturity.
 Should not have any outstanding Housing Loan on Pag-Ibig (Principal and Co-Borrower).

*Reminders:
 Application form should be original copy (3 copies).
 Special Power of Attorney (SPA) should be Pag-Ibig format.
 If a co-borrower is needed, he/she must be an immediate family member.
 The appointed co-borrower must also submit the following requirements.
 The co-borrower's name is also included in the title.
 If the borrower is married, the property becomes conjugal.
 If a borrower is separated, it is required to submit the necessary legal documents of
separation.
 Payment terms: 20-30% downpayment (office), 70-80% balance/loan (Pag-Ibig).
 Downpayment (inner lots) are payable for twelve (12) months without interest; however,
there will be surcharge/penalty for late payment:
 2% surcharge applies on the downpayment; and
 4% surcharge applies on the monthly amortization
 Outright (cash) 20-30% downpayment applies for corner lots with corresponding discount
of 5% (on lot only).
 Expect equity if desired loan has been disapproved.
 Appraisal Fee: P3,000.00 per lot or adjacent lot
 Documentation Fee: P2,000.00 per lot
 Up to thirty (30) loan term years.
 6 months continuous monthly downpayment before turn in to Pag-Ibig; if
 Downpayment is cash, at least 2 weeks to 1 month before turn in.
 Settlement of equity and release of Loan/Letter of Guarantee (LOG), are required before
house construction.
 After paying or settling the downpayment, continuous monthly payment of amortization
follows with seven (7%) interest until Pag-Ibig takeout.
 Payment refund will be base on the total balance with 7% interest rate same as Pag-Ibig.
 b) For HOUSE & LOT Purchase: BANK FINANCING (BDO, BPI, and METROBANK)
 Should be employed / OFW / with business.
 Could provide the following requirements; please refer to the checklist of requirements.
 Has capacity to pay the desired loan; to consider: income/salary, age, existing loans or any
payables based on gross income.
 Minimum household income of P45,000 (BPI); P50,000 (BDO).
 Filipino citizen of legal age (21-65 years old and not more than 70 years old upon loan maturity).

*Reminders:
 Completely fill out application form.
 Special Power of Attorney (SPA) should be in the specific bank format.
 If a co-borrower is needed, he/she must be an immediate family member.
 The appointed co-borrower must also submit the following requirements.
 The co-borrower's name is also included in the title.
 If the borrower is married, the property becomes conjugal.
 If a borrower is legally separated, it is required to submit the necessary legal documents of
separation; court decision on separation or Certificate of Finality of Marriage.
 If annuled, annulment papers are required.
 If dual citizenship, Certificate of Oath of Allegiance should be presented/submitted.
 Payment terms: 20-30% downpayment (office), 70-80% balance/loan (Pag-Ibig).
 Downpayment (inner lots) are payable for twelve (12) months without interest; however,
there will be surcharge/penalty for late payment:
 2% surcharge applies on the downpayment; and
 4% surcharge applies on the monthly amortization
 Outright (cash) 20-30% downpayment applies for corner lots with corresponding discount
of 5% (on lot only).
 Expect equity if desired loan has been disapproved.
 Up to thirty (30) loan term years.
 6 months continuous monthly downpayment before turn in to Pag-Ibig; if
 Downpayment is cash, at least 2 weeks to 1 month before turn in.
 Settlement of equity and release of Loan/Letter of Guarantee (LOG), are required before
house construction.
 After paying or settling the downpayment, continuous monthly payment of amortization
follows with seven (7%) interest until Pag-Ibig takeout.
 Payment refund will be base on the total balance with 7% interest rate same as bank.

Prepared by: Sales & Marketing Department

Checked by:

Maria Ezra Adriano Shane Erilla

Marketing Documentation Credits & Collection

EAST ORIENT PROPERTIES HOLDINGS, INC.

SALES & MARKETING DEPARTMENT
 DOCUMENTS TO BE DISCUSS BEFORE RESERVATION

I. RESERVATION APPLICATION FORM

 Signed upon reservation of a lot, house, or house & lot.
 Includes the detail of the purchased property such as the amount of reservation,
subdivision/project, location, block, lot number, lot area, price per sqm, down payment, loan term
year, interest, and total contract price (TCP).
 States that reservation fee (RF) are non-transferrable and any transfer made by the purchaser shall
be void and be a cause for cancellation.
 States that reservation fee (RF) are non-refundable.
 Certifies that the purchaser have personally inspected the property subject of this reservation and
found the same satisfactory.
 States that the company, EOPHI, shall have the right to cancel the RF base on the following grounds:
 failure to pay the installment DP/ Payment of Penalty
 failure to sign/deliver Contract to Sell (CTS) within five (5) days from the date of full down
payment
 withdrawal on the part of the purchaser from the agreements for any reason
 States that the purchaser must also be aware that his/her monthly amortization shall immediately
commence without further notice thirty (30) days after settling the full down payment regardless of
whether the CTS has been delivered or not.
 States that in the event that the property is/are found to be unavailable for sale due to prior sale
commitment/transaction, the same having been offered by mistake or inadvertence , the purchaser
agrees to have the subject lot/property exchanged with lot/s with equal area or value, or to the
cancellation of reservation agreement subject to the reimbursement of all payments previously
made the reason of this application.
 States that the purchasers agrees that the company, EOPHI, has the right to cancel and rescind the
reservation at any provision to the contrary notwithstanding at any time and cause before issuance
of the CTS by giving written notice of its intention to do so and refunding all the payments made by
virtue hereof.
 The purchaser should understand that any representation of warranty given by their agent who
handles the sale not embodied herein shall not be binding on the company, not unless reduced into
writing and confirmed/approved by the president or any Executive Committee of EOPHI.
 The contract shall not be considered changed, modified, altered, or any way amended by acts of
tolerance, unless amendments are made in writing and signed by the aforementioned officers.
 States that only authorized officers of the company are allowed to make commitments for and in
behalf of EOPHI.

II. BUYER'S INFORMATION SHEET:

 Should be fill out by the client/buyer during the reservation and serves as the client/buyer's record.
 All information shall be completed and updated.
 Shall be signed below to certify that the stated information is true and correct, that it is provided
with the client/buyer with their consent and free will.

III. CONTRACT TO SELL (CTS):

1) Includes the details and information about the project/subdivision, location, total area, and price. Also
states that the purchaser agrees on the terms of payment.
a. The amount as downpayment upon the execution of the contact.
b. The amount of consecutive monthly installment to commence 30 days after down payment
including the interest rate.
c. Understood that all payments by Purchaser shall be applied by the seller in the following order:
c.1 To the surcharge and/or other penalties due and outstanding;
c.2 To the interest due and outstanding;
c.3 To the other assessments on the lot as provided herein;
c.4 To the outstanding balance of the principal
2) A surcharge of 4% applies on the monthly amortization for late payments.
3) The Purchaser agrees to pay the following:
a. Taxes and Assessment
b. Documentary stamps, notarial and processing fee
c. Other miscellaneous fees and expenses (water service connection, meralco, surveyor's
relocation, location plan, maintenance and security fees, construction permit fees)
d. Payment of the Expanded Withholding Tax (EWT)
e. The Deed of Absolute - shall be signed by the SELLER and PURCHASER upon full payment of the
latter of the contracted purchase price stipulated in the contract

*Thereafter, the subject lot shall be processed for titling in the name of the purchaser. Purchaser
shall be notified by the seller of the availability of his/her title and declaration of property.
Failure of the purchaser to pick up and secure his/her title and other related documents within
one (1) month from the said notice, a daily storage fee of P20.00 shall be charged by the seller
and which amount must be paid by the purchaser before the release of the said documents.

4) Upon complete payment of all the obligations herein stipulated, the seller agrees to execute a final