Lot for Sale @ Paragua Beach Village

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📍 Location: [enter_here]
💰 Price: [enter_here]
📏 Floor Area: [enter_here]
🛏️ Bedrooms: [enter_here]
🛁 Bathrooms: [enter_here]
🏢 Property Type: [Studio, 1BR, 2BR, etc.]
🔑 Availability: [Pre-selling / Ready-for-Occupancy]

Property Features:
✔️ [Modern Interior Design / Fully Furnished / Semi-Furnished]
✔️ [Balcony with City View / Floor-to-Ceiling Windows]
✔️ [Spacious Living & Dining Area]
✔️ [Smart Home Features / High-Speed Internet Ready]
✔️ [Built-in Wardrobes & Storage Solutions]

Amenities & Lifestyle Perks:
✔️ [Swimming Pool / Infinity Pool]
✔️ [Gym & Fitness Center]
✔️ [Sky Garden / Lounge Area]
✔️ [Function Rooms / Theater Room]
✔️ [Parking Space Available]

Prime Location & Accessibility:
✅ Minutes Away From: [Major Landmarks: Ayala Avenue, Greenbelt, Glorietta, Offices]
✅ Nearby Establishments: [Malls, Restaurants, Schools, Hospitals]
✅ Transportation Access: [MRT, Bus Stations, Major Roads]

Flyer – Front Side

Flyer – Reverse Side

Sample Unit Layout

Location Map

Sample Computation

Sample Property Details

✅ Unit Price: ₱5,000,000
✅ Reservation Fee: ₱50,000 (Deducted from total price)
✅ Down Payment: 20% of unit price = ₱1,000,000
✅ Loanable Amount: 80% of unit price = ₱4,000,000

Payment Breakdown

1️⃣ Down Payment
– Option A: Full down payment (Paid upfront) → ₱1,000,000
– Option B: Installment over 12 months → ₱83,333/month

2️⃣ Bank Financing (Loan)
– Loan Amount: ₱4,000,000
– Interest Rate: 7% per year (Bank rates vary)
– Loan Term: 10 years

Using a fixed-rate mortgage, the monthly amortization for a ₱4,000,000 loan at 7% interest over 10 years is:
📌 Estimated Monthly Payment: ₱46,516/month
📌 Other Additional Fees to Consider

✔️ Title Transfer & Registration Fees: ~3% of unit price (₱150,000)
✔️ Move-in Fees: Varies per developer
✔️ Property Taxes: Typically 1–2% of unit price annually

This sample computation provides an estimate based on standard financing options.

Sample Computation

Assumed Rental Details

✅ Monthly Rental Rate: ₱45,000
✅ Occupancy Rate: 80% (Average 24 days occupied per month)
✅ Gross Monthly Revenue: ₱45,000 × 80% = ₱36,000

Profit-Sharing Breakdown

Condotel operators typically follow a 60/40 or 50/50 revenue split between the unit owner and management. Here’s how your earnings may look:

1️⃣ 60/40 Split (Owner 60%, Operator 40%)
– Owner’s Share: ₱36,000 × 60% = ₱21,600
– Operator’s Share: ₱36,000 × 40% = ₱14,400

2️⃣ 50/50 Split (Equal Sharing)
– Owner’s Share: ₱36,000 × 50% = ₱18,000
– Operator’s Share: ₱36,000 × 50% = ₱18,000

Monthly Loan Amortization Calculation

✔️ If your profit-sharing follows the 60/40 model, your monthly earnings would be: ₱21,600 (Owner’s Share) – ₱46,516 (Loan Payment) = -₱24,916 (Deficit)

✔️ If your profit-sharing follows the 50/50 model, your monthly earnings would be: ₱18,000 (Owner’s Share) – ₱46,516 (Loan Payment) = -₱28,516 (Deficit)

Instead of bearing the full burden of accumulating ₱46,516 for your monthly amortization, your income from the profit-sharing arrangement can help offset a significant portion of the cost. Since a percentage of your rental earnings is allocated to you as the unit owner, this recurring income serves as a financial cushion, reducing the amount you need to pay out of pocket each month. Over time, this steady cash flow makes the loan repayment more manageable, ensuring a smoother and less financially stressful property acquisition while allowing you to build equity in a high-value real estate asset.