ALL individuals who want to buy a house and lot, Philippine based (local residents) or Foreign based (OFWs or Fillipinos married to Foreign Nationals (or Fil-Am) from any country can purchase from us.

Here are the key steps a buyer needs to undergo to purchase a house and lot through us.

• Look through our web site and choose the house and lot that you are interested in.
• Send us an email, text or call with any questions you might have about the house and lot unit that you selected. Please indicate your name and location.
• We would verify the house unit that you are interested in if it is still available. Our developer have periodic inventory to check sold or unsold house units.
• If it is available, we will then provide a sample computation of the house unit that you are interested in and answers all queries regarding the house unit that you want.
• Once we come up to an agreement, we will then schedule for a FREE house viewing or tripping for you to see the actual unit and its location. For foreign-based buyers like OFWs, you need to assign a trusted representative presently residing in the Philippines who will act as your SPA who will see the house unit for you and accomplish the needed requirements or you can have your FREE tripping or house viewing when you have your vacation.
• When you have chosen the house and lot unit to buy during house viewing or tripping, you need to decide on your payment option whether cash or through a housing loan with your convenient payment term.
• We will then provide the actual computation of the unit that you have chosen based on your payment type (cash or through housing loan like Pag-Ibig, In-House or Bank Financing).
• You can reserve the chosen unit by paying the reservation fee so that others will not acquire since we implement the "first come first reserve" rule.
• The documentary requirements will also be provided for you to accomplish.
• You will be assisted to our developer's office for accomplishing some of the requirements that need to be filled out like Deed of Sale.
• You need to accomplish the requirements provided and submit to our developer's office as soon as possible to prevent delay in processing.

We are going to assist you all the way from the time you contacted us until the time you complied to all the requirements so that when the house unit is ready for take out or will be turned over to you, there will be no problems encountered due to incomplete documents. As mentioned above, incomplete requirements will delay the processing of your home.

That's it, the purchase of your house and lot is as simple as that!

Please Contact Us now for more info about your dream house.

Visit our site: http://vcbsmarthomes.weebly.com/index.html or Facebook: https://www.facebook.com/vinsmarthouse

Thank you for your trust and confidence in us.

HOUSE COMPLETION

For ready for occupancy (RFO) house units, house completion is usually from 0 to 3 months or 4 to 7 months (others 6 to 9 months).  For those who avail their house units through cash, it is usually 0 to 4 months.  This will give you ample time to accomplish the necessary requirements, final house finishing by the developer as the house unit is already constructed and inspection of the house unit before you move in and payment of down payment for those who avail the house unit through a housing loan.  RFO house units are usually limited (only 1 to 5, rare 6 to 10 house units are available in most completed subdivisions where almost all house units are sold out) and the installment down payment term is also shorter (usually 3 months to 6 months, rare up to 9 months).

For our pre-selling house units, completion is from 9 to 12 months, 12 to 15 months, 15 to 18 months or 18 to 21 months.  For those who avail their house units through cash payments, it is usually 9 to 12 months.  This will give you time to accomplish the necessary documentation requirements, construction and house finishing of the house unit by the developer, inspection of the house unit prior to move in; and more time to pay for the down payment for those who avail their house unit through a housing loan so that it will not to be simultaneously paid with their monthly loan amortization.

Choose one that is most convenient for you based on your plans of move in and budget.  Most overseas buyers choose house units with 12 to 15 months completion especially those who have 2 years renewable contract; just in time when they come home, the house unit is ready for move in.  Others choose 18 to 21 months if their stay overseas is longer.  The choice depends mainly on the buyer.  We are only here to assist or help, give suggestions or options.


MOVE-IN

For house units obtained through  in-house financing:
a. A buyer will be allowed to move in if down payment is fully paid, post dated checks for monthly amortization have been issued and all documentation requirements are complied with.
b. Buyer should secure the Authority/Clearance to Inspect after 60 days upon the receipt of Notice of Completion (NOC); otherwise, the unit will be deemed accepted. Anything that the buyer wants to be fixed within this period (60 days) will be done by the developer at no cost but beyond this period, anything that the buyer wants to be fixed will be at his/her expense.  So, it is important to check the unit within the prescribed period in order not to incur additional expenses.
c. Buyer must secure Authority to Move In from the Head Office upon the receipt of Certificate of House Acceptance from the site.
d. Unit is considered 100% complete once accepted by the buyer.
e. Early Move-in: Unit is ready to be occupied; monthly amortization will start 30 days from the date of Clearance of Inspection (CFI).

For house units obtained through Pag-Ibig Financing: The buyer will move in if there is a take out order from Pag-Ibig (No take out, no move in policy).


For house units obtained through Bank Financing: The buyer can move in once there is a take out notice from the bank.


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Our Pro-Friends developer offers various payment options for you to choose from.

Our best advise is to choose the one that best suits your financial paying capacity in order to avail great discounts or savings if through cash or shorter payment term and also to prevent future problems of additional interest for delayed payments of monthly amortizations if through financing or housing loan.

I. CASH PAYMENT 
A. Spot Cashwith discounts from 8.5% up to 10% of the selling price.
a) 10%discount if paid within 7 days from the date of reservation
b) 9.5% discount if paid between 8 to 30 days from the date of reservation
c) 9% if paid between 31 to 60 days from the date of reservation
d) 8.5% discount if paid between 61 to 90 days from the date of reservation.

B. Deferred Cash 
Option 1: Discount of 4% up to 9.5% of the selling price if paid 1 month to 12 months or 1 year at 0% interest.
a) 9.5% discount if paid within 1 month from the date of reservation
b) 9% discount if paid within 2 months from the date of reservation
c) 8.5% discount if paid within 3 months from the date of reservation
d) 8% discount if paid within 4 months from the date of reservation
e) 7.5% discount if paid within 5 months from the date of reservation
f) 7% discount if paid within 6 months from the date of reservation
g) 6.5% discount if paid within 7 months from the date of reservation
h) 6% discount if paid within 8 months from the date of reservation
i) 5.5% discount if paid within 9 months from the date of reservation
j) 5% discount if paid within 10 months from the date of reservation
k) 4.5% discount if paid within 11 months from the date of reservation
l) 4% discount if paid within 12 months or 1 year from the date of reservation

Option 2: Deferred cash payment is also available in 24 equal monthly installments with NO interest, NO discount, and NO credit background check required. This type of payment is allowed to avail only for 2 years to pay especially for Bellefort Estates house and lot units.

*** Reservation fee and legal and miscellanous fees are not included in the computation of discounts. If you intend to buy through cash or deferred cash, please inform us to compute for your discount.

II. EASY INSTALLMENT PLAN
A. In-house financing: Usually 5 or 10 years to pay. No credit background check is required.

B. Pag-Ibig Financing: It is usually 20, 25, or 30 years to pay but you can have at 5, 10, or 15 years to pay based on some qualifications from Pag-ibig like age (should not be more than 65 years of age at the end of loan term), monthly contributions, etc.

C. Bank Financing: 5, 10, 15, or 20 years to pay. Credit background check is required.

DISCOUNTS ON DOWNPAYMENT IF PAID IN CASH
1) 7.5 % discount if paid within 30 days from the date of reservation
2) 7% discount if paid within 31 to 60 days from the date of reservation
3) 6.5% discount if paid within 61 to 90 days from the date of reservation
h) 6% discount if paid within 91 to 120 days from the date of reservation
i) 5.5% discount if paid within 121 to 150 days from the date of reservation
j) 5% discount if paid within 151 to 180 days from the date of reservation

*** Reservation fee and legal and miscellanous fees are not included in the computation of discounts. If you intend to pay your downpayment in cash, please inform us to compute for your discount.

Again, our advise is to choose the payment option based on your financial capability to enjoy great savings or choose the most convenient payment term if through a housing loan based on your budget or capacity to pay in order to have great savings as well or to avoid penalties on delayed payments imposed by financing institutions.


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For OFWs or those living abroad who wants to buy a house and lot in the Philippines, we can also help or assist you. The process is the same with "How We Assist or Help Our Buyers Own a House and Lot." You will be directed to visit our site then choose the house unit you want to buy then email, YM or call us specifying the house unit and location you want to acquire. You can ask for sample computation of the house unit of your choice to have an idea of the cost.

Our developer requires you to assign an attorney-in-fact or representative who resides in the Philippines. Your attorney-in-fact or representative can be one of your nearest kin or your trusted person, may be your parents, brother, sister, son or daughter, grandchildren or TRUSTED relatives or confidant (may be lawyers or friends), who will act on your behalf as special attorney-in-fact whom we assist to transact with our developer's office or be the one to see the actual house unit and location through our FREE tripping and also to accomplish and submit the necessary papers for you. We will assist or help your representative.

The actual cost of the house unit will be computed and be given to your representative in the Philippines during the tripping or when you have a tripping of the site during your vacation. Some OFW or foreign buyers have their site tripping when they have their vacation in the Philippines.

You can also give our contacts to your representative to contact us or give us the name and contact number of your representative for us to contact them and schedule for a free tripping of the house unit you want to avail. You will be informed of the tripping schedule though E-mail, text or when you call your representative in the Philippines.

If your representative choose the house unit based on your criteria, they will contact you or you can contact them or we email you to give you the necessary informations including actual computation and description of the house unit based on what they see for your final approval.

If it is okay with you, you can reserve the house unit through your representative in the Philippines then accomplish the necessary requirements.

Your representative here in the Philippines will be counseled or instructed on issues related to your house unit including payments, when to start and what documents to be accomplished, etc.  You will be informed by your representative about these things.

Your representative here in the Philippines will forward to you the necessary papers for signing.  After signing all the documents, you will return back to your representative for submission to our office for processing.

** Again, you can personally have a FREE tripping of the house and lot unit you choose, accomplish some of the documentary requirements such as deed of sale during your vacation or through you representative. We will help you in accomplishing the documentary requirements.

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We will let our buyers visit our site to see the house unit they are interested to buy. The following are provided in our site: House specifications such as house finishes, features, location, model house unit interior, floor plan, pictures; financing options, sample computation, etc. The buyer can ask question for more info through email, text messages, YM or call.

If the buyer choose a house unit in a subdivision, we will schedule for a FREE tripping to see the actual house unit and its location.  The buyer can ask questions and other details during the tripping.

If the buyer choose a house and lot unit and decided to buy, we provide the actual computation and requirements.  Payment of the house unit depends on the buyer.  It can be in cash or through housing loan via in-house, Pag-Ibig or bank financing whichever is convenient or affordable to the buyer. The buyer should choose the payment option that is within his/her budget or financial paying capacity.

A buyer's registration sheet is filled out. The buyer can reserve the house unit by paying the reservation fee.  The purpose of this is to hold the house and lot unit under the buyer’s name so that it will not be availed by other buyers, who are also interested in the unit, since it is a FIRST COME, FIRST SERVE BASIS, whoever is the first one to reserve that unit, no one will acquire it.  Holding of the house unit is limited only, usually up to 24 hours.  If the buyer will not reserve within the specified period, it means that the house unit is open for other buyers to see.  Most buyers reserve the unit chosen on the same day after the tripping.

Reservation fee payment is only done at the developer's office or satellite office (within the subdivision) which is opened daily (Monday to Sunday).  The buyer will be assisted to transact and fill out the necessary papers.  Sales associates are not authorized to collect any kind of payment and all transactions especially payments are made in our developer's office or satellite office. Please be careful with real estate agents or brokers who provide a bank account number for you to deposit any amount for reservation fee or whatever fee they are asking you.

Our buyer will be given proper documents as proof of payments.  The buyer is also given instructions, briefings or counseling on some issues related to his/her house and lot unit.

Once the house unit is reserved, the buyer (and/or representative for overseas residents) will start to accomplish the given requirements.  If the requirements are completed within the given duration, they will be submitted for processing.  Incomplete documents will delay the processing of your house and lot unit.

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Location: Consider an ideal location that best suits your home convenience, its proximity to vital establishments when you need something or may be you need a place to live in serenity amidst the busy city life or far from the busy city like a vacation house or far from dangers of manmade and natural calamities (like floods) in order to prevent damage to your property. Safety of your property is also important when you invest in a house and lot.

Accessibility: Transportation is very vital and living in a place where it is very accessible to any type of transportation is very important. Also, accessible to your work place when you are employed or have business, schools for your children, hospitals in times of illness and emergency, malls when you want to shop, recreation centers when you want to relax, vital business establishments and offices where you transact important papers.

House Type and Size: In choosing a house unit, consider the size of your family and the type you want. Generally, a bigger family needs a bigger house unit. Choose one that fits you family size or if planning for a big family or want a spacious house, choose a house and lot that offers room for expansion.

House Budget: Choose a house unit that suits your budget in order not to incur problems in paying for it especially if you acquire it through a housing loan. Choose one that is within your paying capacity so that interest for delayed payments will be minimized. If you are renting a house, may be it is time for you to get a house of your own. There are available house and lot units to choose from based on your budget.

Check theamenities and safety measures present in the subdivision where you want to buy your house.

Legal: Make sure that the house and lot unit you buy has a clean title so that the money you invest will not be wasted. Always deal with a legitimate sales associate or agent of the developer of the subdivision where you want to buy a house and lot unit.

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