CTS Gold Financing

What is CTS Gold?

We at DECA Homes

We at DECA Homes, value our clients’ trust as well. That’s why we offer you an expansive market coverage, easy eligibility, low equity and monthly amortization, a friendly rate and an easy move-in policy with no hidden charges, no additional cost and definitely no extra move-in fee.

Expansive Market Coverage

Pag-IBIG and non-Pag-IBIG members who are willing to transfer to Pag-ibig Housing Loan within 4 years, as well as other qualified buyers of DECA Homes.

 

 

Low Equity

Buyers who are not more than 60 years old, gainfully employed or selfemployed, whose Net Disposable Income (NDI) is 100% of or greater that the monthly amortization of the unit they intend to acquirre.
A. Passes the NDI requirement
B. Pays P5,000.00 reservation fee
C. Submits the following documents:
o Buyer’s Info Sheet + Four (4) 1X1 ID Photo
o Pays P5,000.00 Reservation Fee
o Government Issued ID (ex. Driver’s License, SSS ID), Company ID and other identification papers, if needed
o 1-month Pay slip and/or proof of other income and/or assets
o Proof of Pag-IBIG membership
o Contract to Sell
o Deed of Restriction
o Option Agreement
o Requirement Postdated Checks (3 for equity installments + 24 for monthly amortization and SRI/FI premiums    + 1 guarantee check)
D. Friendly Interest Rate
E. 8.5% p.a. fixed for the 1st 4 years

Easy Eligibility

Buyers who are not more than 60 years old, gainfully employed or selfemployed, whose Net Disposable Income (NDI) is 100% of or greater that the monthly amortization of the unit they intend to acquirre.

A. Passes the NDI requirement
B. Pays P5,000.00 reservation fee
C. Submits the following documents:
o Buyer’s Info Sheet + Four (4) 1X1 ID Photo
o Pays P5,000.00 Reservation Fee
o Government Issued ID (ex. Driver’s License, SSS ID), Company ID and other identification papers, if needed
o 1-month Pay slip and/or proof of other income and/or assets
o Proof of Pag-IBIG membership
o Contract to Sell
o Deed of Restriction
o Option Agreement
o Requirement Postdated Checks (3 for equity installments + 24 for monthly amortization and SRI/FI premiums + 1 guarantee check)
D. Low Monthly Amortization
E. 25 years; Pag-IBIG take-out mechanism within 4 years from reservation date.
F. Easy Move-In Policy
G. The buyer may move in after paying the minimum Equity of P15,000 provided that all the required documents enumerated above are already submitted.
H. Reservation Fee is P5, 000.00 which will form part of the Total Selling Price and will be deducted from the equity payment (non-transferable, nonrefundable and valid for one (1) month only).