STEP 1. RESERVATION REQUIREMENTS

A. Accomplishing Your Client Registration Form (CRF) • Accomplish the Client Registration Form (CRF) provided by your Property Consultant (PC) and forward it to the Head Office for evaluation. • When your registration is approved, you may now choose which project and unit you wish to purchase. • Once your PC verifies the availability of your desired unit, you may now make an official reservation.

Click to download CRF Documents

Click to download RTH Documents

B. Preparing the Computation Sheet Your PC will now prepare a Standard Computation Sheet for you. Please mention to your PC if you will be requesting for Special Payment Terms, so your PC may endorse you to the proper channels. Production of the computation sheet for Special Payment Terms will take a maximum of 3 working days from date of receipt.

C. Signing the Reservation Agreement Once you have decided on the payment terms, your PC will help you accomplish your Reservation Agreement (RA). This takes 3 days to be approved. Upon approval, your PC will assist you with the payment of your Reservation Fee (RF), which is valid for only 30 days. A provisional receipt will be issued to you upon payment. The reservation is non-refundable and is valid for 30 days only. To complete your reservation, the following documents must be submitted within the said 30 days:

1. Signed reservation agreement indicating terms of payment

2. Photocopy of government valid id's with 3 specimen signature.

3. If applicable, a Special Power of Attorney: If the buyer is out of the country, it has to be consularized.

4. Photocopy of government valid id's of the special power of athorney folder with 3 specimen signature.

5. Verify TIN 1904

6. Proof of billing or if the buyer is not the owner of the billing he and the owner of the billing need to sign an authority to use the billing address

7.Marriage contract of birth certificate.

STEP 2. For installment payment you can issue post dated checks to cover monthly amortization minimum of 60 checks for ready for occupancy units and for pres elling you need to cover with checks for all the monthly down payment or auto debit with out accredited banks.

For auto debit arrangement kindly provide us an original letter request .

And kindly fill - up the attachment file .

A. For Cash Payment Cash payments are available for all DMCI Homes Projects. These are full payments made within 30 days from date of reservation. There is no down payment requirement for cash payments. Once you have paid the reservation fee, you may proceed to the documentation of your purchase and unit.

B. For In-House Financing Our In-House Financing scheme offers you manageable terms and conditions when paying for your home. It is available for all projects at various payment terms that are payable in 1, 2, 3, 4, 5, and 10 years. The required down payment for DMCI Homes projects normally ranges from 20% to 50%.

C. For Direct Bank Financing Direct Bank Financing is available only through the following accredited banks: • BDO-EPCIB • BPI Family Bank • PNB • UCPB Asian United Bank - Bank of Commerce - China Bank - China Bank Savings - Eastwest Bank - HSBC - May Bank - Metro Bank

Planters Bank - RCBC Savings Banks - Philippines Business Bank - PS Bank - Robinsons Bank - Security Bank - Union Bank. Get in touch with your PC for updated financing schemes.

D. For PAG-IBIG Financing PAG-IBIG Financing is applicable for select RFO projects only, so consult your PC if this payment scheme is available for the project you are interested in. Your PAG-IBIG loan is limited to a maximum of only P6M. The required down payment depends on the payment term chosen as long as the balance after the down payment or amount to be loaned is not more than P3M. Based on the terms of payment agreed upon on your reservation agreement or your Contract to Sell, you'll be required to begin paying your down payment 30 days after the reservation date. Minimum down payment required:

1. Mid-rise 5% to 10% down payment.

2. High-rise 10% to 30% down payment.

1. For cash payment you can pay in cash of post dated checks.

STEP 3. HOW TO PREPARE YOUR DOCUMENTARY REQUIREMENTS

1. Within Days 1 to 7 (from Reservation Date) To complete the reservation transaction of your unit, you must submit the following documents to your PC to facilitate the documentation process: Your signed Reservation Agreement and Reservation Fee Receipt Signed Computation Sheet Photocopy of Passport Either a photocopy of your Tax Identification No. (TIN) or BIR Form 1904 Photocopy of valid IDs - Two IDs will be required if Non-Government Issued. - One ID only if Government Issued Notarized Special Power of Attorney (SPA), if applicable Proof of Billing Address Once all your requirements have been submitted, your PC shall endorse your documents and all other necessary requirements to the proper sales channels for the preparation of the Contract to Sell (CTS). A Deed of Absolute Sale shall be prepared only when payments have been completed in reference to the agreed upon terms.

2. Within Days 7 to 15 (from Reservation Date) Once your documents have been properly endorsed, it will usually take 2 to 4 business days to prepare your CTS. While your CTS is being drafted, we will send you a copy of the Reservation Agreement and our Welcome Letter to thank you for choosing DMCI Homes and to remind you that all documentary requirements and payments must be completed within the 30-day timeframe.

3. Within Days 16 to 30 (from Reservation Date) At this time, your CTS will be released to you. You shall be given fifteen (15) days to do the following: Review and evaluate the terms and conditions in the Contract to Sell (CTS) Prepare the required number of Post-Dated Checks. When the documents are in order, you will need to sign and return these to your PC. When the required down payment has been cleared, you will be issued a Clearance for Turnover. You will then be endorsed to our PMO-Turnover Group so you can inspect your unit.

C.Requirements for Bank Financing .

1. Once you have chosen your preferred bank from the list of DMCI Homes accredited banks, your PC will secure an application form that you will need to fill out.

2. Your PC will closely coordinate with you on the bank requirements you will need to submit once you have duly accomplished the application form. The following are the list of requirements required by most banks:

a. Information on Personal Data and Income If Employed (within the Philippines)

• Certificate of Employment (COE) indicating annual salary and position

• Latest Income Tax Return (ITR)

• Pay slips (last two months) • Proof of Billing Address (e.g. Meralco, credit card, etc.) If Overseas Filipino Worker (OFW)

• POEA Authenticated Contract (seaman)

• COE Authenticated by Philippine Consulate (direct-hired) If Self-Employed

• Business Name (DTI) or SEC Registration

• Articles of Incorporation and By-laws with SEC Registration Certificates

• List of Trade References (at least 3 names & telephone numbers of major suppliers &/or customers)

• Audited Financial Statements for the past two years

• Bank Statement for the last six months

• Proofs of billing address (e.g. Meralco, credit card, etc.) If Practicing Doctor

• Clinic address/es and schedule

• Bank Statement for the last six months If Income is from Rental of Properties

• List of tenants and rental amounts

• Complete address/es of properties being rented

• Bank Statement for the last six months b. Information on the Collateral (to be provided by the developer)

• Two (2) clear photocopy sets of Transfer Certificate of Title (all pages including blank pages with the book and page/volume number indicated on the front page) For Condominium

• Photocopy of Condominium Certificate of Title (CCT)

• Certificate of Consent and updated payment of Monthly Dues from Condo Corp.

3. After submitting your requirements to your PC, you will wait for notification of loan approval from your PC, which normally takes 10 to 15 working days.

4. Once you have secured the bank’s loan approval, kindly submit the following requirements:

a. Signed bank loan documents • Deed of Assignment, promissory note, Real Estate Mortgage, Special Power of Attorney, etc. • Express conformity to the Letter of Guarantee (LOG)

b. Submit approved requirements of your preferred bank, such as:

• Post-dated checks

• Mortgage Redemption Insurance (MRI)

• Insurance of the property to be financed - For Condominiums, Fire/Earthquake Insurance endorsement, policy and photocopy of the Official Receipt can be obtained from the Office of the Property Manager. - For Completed House & Lot, Townhouse, insurance should be obtained from a reputable / accredited insurance company.

c. Pay bank charges: • Documentary Stamp Tax • Notarial Fees • Mortgage Fees

d. Our finance department will require the following requirements:

• Issue post dated checks (PDC) payable to the Developer to cover the down payment/equity portion

• Settle unpaid equities

• Settle transfer fees to the Developer/PC

• Sign Contract to Sell/Deed of Sale

5. Please wait for the release of loan proceeds, which normally takes 10 to 15 working days from receipt of LOG from settlement of post-approval requirements. Other Reminders:

• Your PC should ensure that documents are submitted to the Finance Department within thirty (30) days from your reservation date. If your documents are submitted after 30 days from your Reservation date, your account will automatically be converted to In-House financing.

• Target drawdown date is within 60 days from reservation date or 30 days after full payment of required DP.

• Clearance for turnover will be issued after loan release.

D. How To Avail Of PAG-IBIG Financing (For RFO Projects Only) Owning a DMCI Homes property can be done through the Home Development Mutual Fund (PAG-IBIG). Below are the requisites for PAG-IBIG Financing.

• DMCI Homes has no direct HDMF Scheme.

• Buyers shall be booked under In-House Financing Scheme until drawn from HDMF.

• Only RFO projects are qualified for HDMF financing. - With individual CCT/TCT & TAX DECLARATION - With appraisal of the property

• Availability of Funding Commitment Line (FCL) from HDMF

• Minimum of 3 months processing (assuming all documents are complete and correct, and FCL is available)

• In case there is no FCL availability, buyer can apply directly to PAG-IBIG fund under retail processing.

1. Within Days 1 to 7 (from Reservation Date-RFO) To complete the reservation transaction of your unit, you must submit the following documents to your PC to facilitate the documentation process in preparation of your Contract to Sell (CTS):

• Your signed Reservation Agreement and Reservation Fee Receipt

• Signed Computation Sheet

• Photocopy of Passport

• Either a photocopy of your Tax Identification No. (TIN) or BIR Form 1904

• Notarized Special Power of Attorney (SPA), if applicable

• Proof of Billing Address. You will also need to submit the following additional requirements within the next 30 days from date of reservation: Employed

• Notarized PAG-IBIG Housing Loan Application (3 copies)

• Approved MSVS (need to attend Loan counseling)

• Income Tax Return

• Latest pay slip (last 2 month)

• Notarized Certificate of Employment and Compensation

• Proof of Billing Address

• 24 Open Post Dated Checks

• Latest Community Tax Certificate (cedula)

• Marriage Contract (if applicable)

• Special Power of Attorney (if applicable)

• Notarized PAG-IBIG Housing Loan Application (3 copies)

• Approved MSVS (required to attend loan counseling)