Phil. Veterans Bank launches Home Loan Free Home promo

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Philippine Veterans Bank launched "Home Loan Free Home Promo", a promotion for real estate housing loan product (with a loan term of 20 years) with a cash back guarantee at the end of the term. This will run from March 1 to May 31, 2014.

Here are the qualified to avail of this promo and to be eligible for the promo, applications must be received within the promo period.

 -  Homeowners with existing mortgages of at least twelve (12) months in other banks who are of good standing.
 
-  New home-buyers including buyers of residential house and lots, townhouses, or condominiums.
 
-  Homeowners who wish to make major improvements or construction on their existing residential properties.

Check this out:

What is your interest rate?

8.25% p.a. repricing every 5 years.

How much can I borrow?

    Up to 80% of the appraised value of collateral property (house and lot, condominium, townhouse)
    Up to 60% of the appraised value if the collateral property is a vacant lot.

What is the maximum term of the loan?

20 years provided the borrower is not over 65 years old upon loan maturity.

Income requirement:

Minimum of Php40,000 per month for single and married with no dependents for every P1.0M loan.

How long does it take to process the loan?

Loan approval is 7-10 days working days for Metro Manila, Bulacan, and CALABARZON. For outside of these areas, targeted loan approval is within 15 days but is subject  to several factors including accessibility, availability of both credit appraiser and loan applicant, among others.

What are the fees I need to pay?

    Application Fee
    Processing Fee
    Notarial Fee
    MRI & Fire Insurance Premium
    Registration & Cancellation Fees

For complete list of requirements, go to www.pvbhomeloans.com or you may call us at (02) 857-3800 or (02) 902-1600. You may also email us at freehome@veteransbank.com.ph

PVB HOME LOAN FREE HOME PROMO MECHANICS

Promo Description and Offer:

The Home Loan Free Home Promo is designed to entice homeowners to take up a housing loan with PVB and avail of the bankís cash-back guarantee.

Successful PVB Home Loans borrowers can avail of a 20-year loan term with the guarantee of a 100% return of the principal loan as long as the borrower is able to meet the promoís terms and conditions.

Eligibility:

    Homeowners with existing mortgage loans with other banks for at least a year
    New home-buyers including buyers of residential house and lots, townhouses, or condominiums
    Homeowners who wish to make major improvements or construction on their existing residential properties

Promo Period:

The promo will run from March 1 to May 31, 2014. Home Loans applications must be received within these exclusive dates to be eligible for the promo.

Interest Rate:

The effective interest rate for successful borrowers who avail of the Home Loan Free Home Promo will be 8.25% per annum, fixed for five (5) years, thereafter subject to re-pricing every five (5) years.

Promo Mechanics:

Housing loan applicants need to apply for a PVB Housing Loan to be eligible for the Home Loan Free Home Promo. Application for the housing loan can be done at the Retail Banking Division (RBD) office in Makati City (G/F PVB Head Office ñ Rufino corner Dela Rosa Sts., Legazpi Village, Makati City) or at any of PVBís sixty (60) branches nationwide during the promo period.

Loan applicants may also visit the PVB website, click on the PVB Home Loan Free Home ad to be directed to the online application form. Applicants need to fill-out the online form completely, scan and upload/submit the pre-approval requirements. The submitted online application will be emailed directly to RBD for pre-processing. Only completely filled-out online applications will be entertained.

Upon application, the loan applicant fills-up the loan application form (available at RBD or at the PVB branch), submits the pre-approval requirements and pays the non-refundable application fee. The application will not be processed unless requirements are complete and the application fee is paid.

Upon approval of the housing loan, PVB will inform the applicant and he/she will be asked to visit the RBD office or PVB branch to sign the loan agreement and submit post-approval requirements. He/She will also have to pay all other applicable fees (processing fee, mortgage registration fee, notarial fee) and premiums (mortgage redemption insurance, fire/lightning/earthquake/AOG insurance). The borrower will then have to open a PVB Savings Account whereby the monthly amortization of the loan will be deducted from.

For pre-approved online applications, applicants will be asked to personally visit the RBD office or the nearest PVB branch in their area for the signing of the loan agreement and submission of original copies of both pre- and post-approval requirements.

For the borrower to receive 100% of his/her principal loan back at the end of 20 years, the following conditions must be met for the entire duration of the term:

          ï   No late or lapsed payment of amortizations and other dues (i.e. Mortgage Redemption Insurance, Fire Insurance premiums, etc.) for the duration of the term.

          ï    No pre-termination of the housing loan.

          ï    No pre-payment of the housing loan.

          ï  Loan is fully paid at the end of the term including all other dues. (i.e. Mortgage Redemption Insurance, Fire Insurance premiums,  etc.)

          ï    PVB Savings Account for the monthly amortization must be maintained for the duration of the loan term.

If the loan applicant fails to meet any of the conditions above, the loan will be treated as a regular housing loan and will be ineligible for the cash-back feature of the promo.

Upon completion of the term, PVB will credit to the applicant's savings account the amount representing his/her cash back equivalent to the principal loan.

Existing PVB housing loan clients are not qualified. However, existing PVB depositors and customers of non-loan products are eligible for the promo. PVB employees, their agencies and suppliers for the promo, and their respective relatives up to second degree of consanguinity or affinity are not eligible for this promotion.

PRE-APPROVAL REQUIREMENTS

The following need to be accomplished / submitted upon loan application:

    1. Housing Loan Application Form (available at the RBD office, PVB Branch or PVB Website).

    2. Valid Identification Cards (government-issued IDs such as SSS, Driverís License, PRC ID, TIN, passport; company ID)

    3. Marriage Contract (if applicable)

    4. Irrevocable Special Power of Attorney

    5. Health Declaration Form for MRI enrollment with PVBís insurance company

    6. Payment of Loan Application Fee (Non-refundable)

For locally-employed loan applicants:

    1. Certificate of Employment (CoE) indicating salary, position, status and length of service with present company

    2. Income Tax Return (ITR) for the recent two years

For self-employed loan applicants:

    1. DTI Registration of Business

    2. Articles of Incorporation / By-Laws / SEC Registration

    3. ITR & Financial Statements for the last two (2) years

    4. Bank Statements for the past six (6) years

    5. List of Trade References (at least 3 major suppliers / customers)

    6. Photocopy of Lease Contracts, and TCT (if income source is rent)

Collateral Documents:

    1. Clear Copy of Ownerís Duplicate Copy of TCT / CCT

    2. Lot Plan & Vicinity Map Certified by a Geodetic Engineer

    3. Photocopy of Tax Declaration on land & improvement

    4. Contract to Sell from Developer stating the contract price & ledger

    5. Original copy of Certificate of Good Credit Standing from the Homeowners Assoc. or Condominium Corp.

For Refinancing of Existing Mortgage Loan:

    1. Statement of Account from the Mortgage Lender

    2. Proof of Payment for the past six (6) months

For Construction Loans:

    1. Building & Floor Plans (complete set)

    2. Bills of Materials / Specifications / Cost Estimates

POST-APPROVAL REQUIREMENTS

    1. Original Ownerís Duplicate Copy of TCT / CCT

    2. Certified True Copy of the latest Realty Tax Declaration on land and improvement under the name of the borrower / mortgagor

    3. Original Tax Clearance

    4. Photocopy of real estate tax receipts (Full Year 2014)

    5. Fire / Lightning / Earthquake Insurance Coverage (as applicable)

Still canít believe that the Home Loan Free Home promo offer is true?

Get in touch with us to know how you can own your own home for free at the end of your 20-year loan term!

Trunkline Numbers:

(02) 857-3800

(02) 902-1600

Fax Number:

(02) 902-1666

Please note that our Home Loan Free Home Associates will only be able to receive live calls Mondays ñ Fridays from 7:30am to 6:00pm. Outside of those hours, please leave your name and contact details at the voicemail tone and weíll get back to you as soon as possible.

You can also : 

Email via freehome@veteransbank.com.ph

Like  Facebook: PVB Home Loan Free Home

Follow  Twitter: @PVBHomeLoan

You may also visit any of PVBís 60 branches nationwide during banking hours and speak with our bank officers or staff on how to join the Home Loan Free Home Promo.

ABRA's self-titled debut album released

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“Mambulabog ng mga isip, to inspire, and to change the world one step at a time.”

Raymond Abracosa a.k.a ABRA, finally releases his first solo album under Artifice Records and Ivory Music & Video.

Dubbed the “Makatang Hibang” by his fans, Abra’s exceptional lyricism, extensive vocabulary, ingenious literary technique, speed and lucidity of delivery, and fiery stage presence made him a force to be reckoned with in the music industry.

His 4 nominations at the 2014 MYX Music Awards including Favorite Male Artist, Favorite Music Video, Favorite Urban Video and Favorite MYX Celebrity VJ would be a clear verification.

The “Gayuma” star is nothing but ecstatic with what’s happening with his career, most specially that the fruit of his hardwork is finally out, “Hindi kapani-paniwala [yung feeling]. Overjoyed, overwhelmed, and overflowing with excitement,” he says, adding “Kulit nga e, pagkahaba-haba na ng biyahe pero parang simula pa lang din. Maraming salamat ulit sa lahat ng tumulong, sumuporta, gumabay at nagduda.”

After months of waiting and anticipation, the album was released and features 14 tracks including star-studded collaborations with Chito Miranda of Parokya Ni Edgar, Arci Munoz of Philia, KZ Tandingan, Loonie, Ron Henley and LDP. 

“Magic. Isang malaking karangalan na makasama ang mga idol ko sa aking album,” he shares, adding “Isinasalaysay at inilalarawan ng album na ito yung mga nakikita, nararamdaman at naiisip ko.” 

Abra opted magic-related single titles but each with a theme of its own. “Yung ‘Gayuma’ [ay] pseudo-love song, yung ‘Ilusyon’ [ay] sociopolitical, yung ‘Bolang Kristal’ [ay] kakaibang kwento tungkol sa tatlong pinakakinaaadikan ng tao, yung ‘Diwata’ naman [ay]  tunay na love song, tapos yung ‘Cerberus’ [ay] epitome ng Pinoy rap yung datingan,” he narrates. “Kasama rin sa album yung Alab ng Puso, OST ng primetime teleseryeng Juan dela Cruz, Isang Jeep (Radio Version) at saka 3 LDP tracks. Meron pang booklet with artwork + lyrics + photos + Artifice ID. Sulit ang P280.”

From his heart to yours, Abra says “Maraming, maraming salamat sa walang sawa at ‘hibang’ klaseng suporta. Sana magustuhan niyo itong kauna-unahang magnum opus ko. Say p*kyu to piracy.”

His promise to CD buyers? “Kung wala kang nagustuhang kanta sa album, malamang hater ka lang. Promise.”

TRACKLISTING:

01.  PANIMULA                                                                          

02.  GAYUMA (feat. Thyro & Jeriko Aguilar)                                         

03.  BOLANG KRISTAL (feat. KZ Tandingan)                     

04.  PATALASTAS                                                                       

05.  ILUSYON / NOYSULI (feat. Arci Munoz of Philia)                                   

06.  DIWATA (feat. Chito Miranda of Parokya ni Edgar)                          

07.  PROPESIYA                                                                          

08.  CERBERUS (feat. Loonie & Ron Henley of Stickfiggas)                

09. PANGWAKAS (feat. Josef Amarra of Beatbox Philippines)

Bonus Tracks:

10.  ISANG JEEP

11.  ALAB NG PUSO (OST for “Juan dela Cruz”)

12.  WHEN THE BEAT DROPS - Lyrically Deranged Poets     

13.  PSYCHOPATHS ON THE LOOSE (2009) - Lyrically Deranged Poets

14.  HERE TO OWN IT 2 (feat. Quest) - Lyrically Deranged Poets

Abra’s debut album is now available in major record stores for only P280.00. Also available on iTunes at http://smarturl.it/AbraAlbum.

Be updated with your favorite local and international artists! Visit Ivory Music & Video’s Facebook page at http://www.facebook.com/ivorymusicandvideophilippines.

Binibinis rock the big dome with annual Fashion Show

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Much anticipation is in the air, as 40 of the loveliest women from all over the country gear up for the Binibining Pilipinas 2014 Fashion Show at the Smart Araneta Coliseum on March 6, 7 PM.

All eyes are set on who will follow the fabulous footsteps of Shamcey’s Tsunami Walk, Janine’s Cobra Walk, Ariella’s Ariba Walk and Johanna’s Salagubang walk, and sashay their way into representing the Philippines in the world’s most prestigious beauty pageants.

It’s a fashion extravaganza like no other, with a display of elegance and grace from the 40 Binibining Pilipinas 2014 candidates donning cultural dresses in the National Costume competition. Then the girls will show off their fierce walk and strut down the Big Dome’s catwalk clad in sexy JAG jeans and accessories from the Binibini collection.

The Fashion Show is only one of the many exciting activities on the lead up to the Binibining Pilipinas Grand Coronation Night on March 30. The ladies will be launching their Swimsuit Photo Exhibit at the Gateway Cinema Lobby on March 15 and will be holding the much-awaited Parade of Beauties around the Araneta Center on March 22.

The 40 candidates will also take part in various charitable missions and outreach programs under Binibining Pilipinas Charities Inc and its partners.

The Binibining Pilipinas 2014 fashion show opens its doors to the public, and pageant aficionados can fan girl over their favored bets and purchase tickets, priced Php 110 for Patron A, Php 90 for Patron B, and Php 60 for Box. To purchase tickets, visit Ticketnet Online www.ticketnet.com.ph or call 911-5555 for inquiries.

The Binibining Pilipinas 2014 pageant is presented by the Araneta Center, ABS-CBN, PLDT Home, Jag Jeans, Avon, Megaworld Properties, Manhattan Garden City, Titan Watches, Pizza Hut, Sofitel Hotel, David’s Salon, J.A.C Motors, Picture City, Gold’s Gym, Dale Carnegie Training, Charter Ping An, Entrepreneur School of Asia and Raymond Saldana Photography.

Max's Restaurant to Share World-Class Experience at Bruno Mars Concert Live in Manila

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Bruno Mars returns to the Philippines for the Moonshine Jungle Tour 2014 and slated to take the stage on March 22, 2014, 8:00 pm at the Mall of Asia Arena in Pasay City, the "Nothin' On You" half-Filipino vocalist is expected to draw in thousands of Filipino "brunofanatics" and concert enthusiasts.

Global Filipino brand Max's Restaurant boosts its support for international recording artist and two-time Grammy awardee, Bruno Mars by announcing that it is the official restaurant of The Moonshine Jungle Tour: Bruno Mars Live in Manila concert.

Mars' much-awaited stop in Manila is part of his ongoing world tour to promote his second studio album, "Unorthodox Jukebox." Part of the proceeds from his concert will be donated to helping Yolanda victims.

Bruno Mars, born as Peter Gene Hernandez, grew up in a musical family. His father, Peter Hernandez, was a Latin percussionist while his Filipino mother, Bernadette "Bernie" San Pedro Baluyot, was a singer in Hawaii. Mars wrote and performed music at a very young age and was exposed to a diverse mix of reggae, rock, hip hop and R&B music. He had his share of hurdles early on in his career, but his persistence to succeed and remarkable gift in music helped catapult him to worldwide fame. It was only a matter of time before he captured the world's attention after helping popularize hits like "Nothin on You" by B.o.B, and "Billionaire" by Travie McCoy.

"Max's, a global Filipino brand, believes in showcasing the exceptional talent of Filipinos. We are very proud to support a multi-awarded international artist like Bruno Mars. As the official restaurant of his Moonshine Jungle concert in Manila, we share Bruno Mars' love for great music and world-class food. It is an experience that we would love to share with every Filipino," shared Bobby Simborio, Corporate PR and Media Manager for Max's Group of Companies.

Bruno Mars is one of the most respected and in-demand artists today. He has sold over 115 million records all over the world as a singer, producer and songwriter. A recipient of a number of prestigious awards, Mars has also catalogued 22 Billboard "Hot 100" hits. He was named as one of the top 100 most influential people in the world by Time Magazine in 2011, and was ranked number 1 on the Forbes 30 under 30 list in 2014. 

Watch Bruno Mars live on March 22, courtesy of Max's Restaurant.

Just 'like' Max's on Facebook and fill up the online entry form to win free concert tickets. Every day, one fan will be chosen to win 2 Moonshine Jungle tickets for free! For more updates, visit Max's Restaurant's Facebook fan page or log on to www.maxschicken.com.

About Max’s Restaurant

Max’s, one of the country’s leading fast-casual dining restaurant traces its roots to a family’s generosity and passion for good food. Max’s, “the house that chicken built,” continues to innovate and expand worldwide with plans to open branches outside the United States. Today, Max’s Restaurant has established itself as a household name, an institution, and a proud Filipino tradition, zealously upholding the values passed on from its early beginnings in 1945 to the present –day generation of food aficionados.

Tourism Malaysia launches ‘Tara Na Sa Malaysia’ travel brochure

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“Tara Na Sa Malaysia” holiday packages brochure truly befits its campaign which also hopes to entice Filipinos to visit other key cities in Malaysia other than Kuala Lumpur.

Recently special event held, Tourism Malaysia launched its campaign with the introduction of the “Tara Na Sa Malaysia” Holiday Packages Brochure on February 14, 2014 at the 2014 PTAA Travel Tour Expo.

Tourism Malaysia has certainly beefed up its promotional efforts through the launch of the “Tara Na Sa Malaysia” holiday packages brochure wherein setting its sights on enjoying a big chunk of the tourism industry this year.

Having dubbed 2014 as “Visit Malaysia Year,” it hopes to attract more visitors to this bustling, energy-filled melting pot of cultures that is filled with wondrous events, amazing festivals and exciting activities all-year round.

Carrying the theme “Celebrating Malaysia Truly Asia,” Tourism Malaysia’s efforts for the year are positioned to make the country a premier Southeast Asian destination for both leisure and business travelers.

The brochure features special Malaysia tour packages that have been put together with valued local travel agents from the Philippines.

(From left) Tourism Malaysia-Manila deputy director Trecey Tojuka, MATRADE Manila trade counselor Har Man Ahmad, Malaysian Ambassador Mohd Zamri Mohd Kassim, Tourism Malaysia-Manila acting director Mohd Akbal Setia, and Malaysia Airlines area manager (Philippines) Flora Loh unveil the ‘Tara Na Sa Malaysia’ travel brochure at the recently concluded 2014 PTAA Travel Tour Expo at the SMX Mall of Asia.

The “Tara Na Sa Malaysia” holiday packages brochure offers a range of unique packages that highlight the following destinations for the travel period of March to December 2014:

Photo credit to Travelight group 

• Kuala Lumpur: Malaysia’s capital city is a bustling metropolis with unique landmarks that are instantly recognizable worldwide. Iconic skyscrapers grace the city’s skyline, co-existing with remnants of history. KL is also a melting pot of races and cultures brimming with diverse entertainment options, exciting attractions and a comprehensive transportation system.

• Putrajaya: Known as Malaysia’s administrative capital, it is also nicknamed as the country’s “Intelligent Garden City.” Possessing a refreshingly different urban landscape, the city is a clever combination of nature and state-of-the-art infrastructure.

• Malacca: The birthplace of the nation’s historical and cultural heritage, Malacca has a long and illustrious past. Its remnants are well preserved and can still be seen today, earning it the prestigious title of UNESCO World Heritage City in 2008.

• Johor: Situated at the southernmost part of peninsular Malaysia, it is the country’s southern gateway. The state is blessed with a diversity of natural attractions, including verdant rainforests, cascading waterfalls, thriving wetlands, and beautiful tropical islands off its coasts.

• Penang: One of the world’s top holiday destinations, Penang is a delightful fusion of nature, culture and history. Home to a UNESCO World Heritage City and one of the world’s longest bridges, Penang leaves an indelible mark on each visitor, leaving them wanting more with each visit.

• Sabah: Also known as the “Land Below The Wind,” Sabah is made up of enchanting tropical islands, lush virgin rainforests, and over 30 different ethnic communities. It is most well known for its icon, Mt. Kinabalu, while its island of Sipadan is internationally recognized as one of the world’s best diving destinations.

• Lankawi: This city is part of an archipelago made up of 99 islands and is one of the country’s most popular holiday destinations. It boasts some of the region’s best natural attractions, earning it a UNESCO Global Geopark status in 2007. 

It also puts into focus the wide range of activities available to visitors in Malaysia: theme park visits, shopping, nightlife, gastronomic adventures, honeymoon and romantic getaways, golfing, beach, cultural immersions, and many others.

For more information, visit www.tourismmalaysia.gov.my or like Tara Na Sa Malaysia on Facebook.

Malaysia Airlines, Philippine Airlines, PAL Express, Cebu Pacific and Air Asia Zest fly direct from Manila to Kuala Lumpur or Kota Kinabalu. 

For flight schedules, refer to the following links:

www.malaysiaairlines.com,

www.philippineairlines.com, 

www.palexpress.com, 

www.cebupacificair.com

www.airasiazest.com.