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So much has been reported about the devastating effect of Swine Flu all over Mexico, US & a case was reported in South Korea. As a mother of two, I am very much affected by reports of death and just how quickly it spreads to other parts of the world. However, as I researched daily about any Swine Flu incidence here in the Philippines, I am somehow relieved by the way our government had been preparing and establishing precautionary measures to prevent and handle the spread of such deadly virus, in case it crosses our borders. (http://www.sunstar.com.ph/manila/metro-hospitals-reserve-beds-swine-flu-victims) I hope and pray that our country will be spared from such H1N1 virus attack.(http://www.inquirer.net/specialreports/swinefluoutbreak/view.php?db=1&article=20090428-201980) I also would like to share to all those who may read this post the ways we may be able to prevent being contaminated with the Swine Flu. The following are just my personal thought of how we may be able to prevent it as a nation, though, we know as a fact that since it is mainly airborne, it may really be so hard for us to avoid it. Below are just some things we may consider doing.. for a while.. I hope... Since Swine Flu is still out of our country (hopefully!) , it will be helpful, that we try not to travel out of country for a while. Except for very urgent matters to attend to, staying here in the Philippines for the meantime, while the virus is not yet effectively contained, would be a great contribution to our government in preventing the possible spread of the virus here. ( http://www.inquirer.net/specialreports/swinefluoutbreak/view.php?db=1&article=20090428-201980) Majority of those who survived the Swine Flu are those individuals who were fit and had been taking care of themselves before being contaminated. It is therefore advisable to try to make ourselves healthier in the coming days and months. Some of those who did not die were runners, vegetarians, weight lifters, etc. So, we should try to add exercise in our routine. ( http://news.yahoo.com/s/time/20090505/wl_time/08599189563800) We were told that pigs has nothing to do with the virus. But as I read ( http://english.people.com.cn/90001/90777/90851/6648294.html ) Swine flu is a highly contagious acute respiratory disease of pigs, caused by one of several swine influenza A viruses. Outbreaks in pigs occur year round, with an increased incidence in the fall and winter in temperate zones. Swine flu viruses are most commonly of the H1N1 subtype, but other subtypes (e.g., H1N2, H3N1, H3N2) are also circulating in pigs. So, I just thought of not serving pork to my family for a while. The H1N1 virus is airborne, meaning, it may travel through the air and that we can just breathe in the virus without any direct contact with an infected individual. So, it'll be better if we try not to go to places where there are so many people. It may just be too early for that, however, I thought that the government will only know if the virus crossed our borders if one has already been infected. I believe, that a contaminated person may spread it to as many as a hundred individuals if he/she accidentally went inside a mall or any enclosed place with a lot of people. Keep yourself updated with the recent developments about the Swine Flu. Information may keep yourself and your family protected.
Above are a just a few things I had been thinking and been doing for the past few days. I just thought that sharing with you the above, may somehow help us be more aware and therefore protecting us one way or another.
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Last April 3, 2009, a news item was released formalizing the decision made by PAGIBIG Fund to lower interest rates. Though their plan to increase the maximum loanable is still under evaluation. Below is a copy of the news.... Pag-IBIG lowers housing loan rates anew | April 03,2009 | VICE President and Chairman of the Housing and Urban Development Coordinating Council (HUDCC) and the Home Development Mutual Fund (Pag-IBIG Fund) Board of Trustees, today announced further adjustments to its end-user financing program, this time creating additional housing loan brackets with corresponding lower interest rates. The rate adjustments are aligned with the redefined housing packages set by the HUDCC.
The new Pag-IBIG housing loan interest rate structure retains the 6%-rate for loans up to P400,000, and 7% for loans over P400,000 up to P750,000.
Interest rates have been slashed from 10.5 percent to only 8.5% for loans over P750,000 up to P1 million, and to 9.5% for loans over P1 million to P1.25 million.
Meanwhile, interest for loans over P1.25 million to P2 million remains at 10.5%.
Along with the latest rate adjustment, the Pag-IBIG Board also approved the increase in maximum loanable amount to P3 million, at an interest rate of 11.5% per annum for loans starting at over P2 million.
De Castro said the latest amendments in the Pag-IBIG housing loan program are intended to make the program more affordable to members, especially workers in highly-urbanized areas whose housing needs often range from more than P750,000 up to 1 million. Likewise, with the Board’s approval of raising the loan ceiling to P3 million, Pag-IBIG will be able to meet the home financing needs of members belonging to the middle-income earners. “This should give Pag-IBIG members a wider range of choices in buying a house,” he said.
Over the last two years, the Fund has implemented significant improvements in its end-user financing program. In 2007, Pag-IBIG has reduced the interest rates for loans over P300,000 to P750,000 from 10.5% to 7%. Earlier this year, the socialized housing bracket was expanded to cover loans of up to P400,000.
With the new changes taking effect April 1, Pag-IBIG member-borrowers can look forward to more value for their money as well as savings especially at this time of economic difficulties. “The savings given the lower monthly amortizations should convince Pag-IBIG members that buying their own home is a more practical alternative to renting,” De Castro added.
Members who avail of a P1 million housing loan stand to save 15.94% per month with amortizations of only P7,689.13 (covering principal and interest) over a 30 year period, compared to P9,147.39 under the old rate of 10.5%.
Year-on-year figures show the Pag-IBIG Fund is able to maintain the growth in its housing loan takeout. From P4.59 billion, the Fund recorded a P5.83 billion total takeout from January to February of the current year, representing a 27% increase.
“The demand for housing, especially from the low and middle-income earners, continues to be strong despite the global financial crisis,” he said.
Following these amendments in the Pag-IBIG housing loan program, the Fund expects to maintain a steady growth in loans granted to members and attain its target of P43 billion takeout for 2009. “This will further sustain the housing sector by providing financing to home buyers at very attractive, affordable rates,” De Castro said. (end) |
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Exceptionally designed
• 2,014 sq. ft., 4 bath, 3 bdrm single story "bungalow type"
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$421,053 USD
- Php 20,000,000
Salcedo Village, Makati
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20 million Philippine pesos, NEGOTIABLE.
Private Financing Available from owner.
Completely newly renovated.
Three bedroom, two full bathroom and powder room.
187 square meter, corner unit, overlooking Salcedo Green Park.
Two parking spaces together, level 4, facing the park.
Narra floor planks and door.
ALNO kitchen, lacquer finish cabinets, made in Germany.
Graphicote splashboard and stainless steel backing.
APPLIANCES.
Baumatic dishwasher
TEKA oven
TEKA microwave
ELBA cooktop hobs
Gas detector
Sinkarator (garbage disposal), 1 horse power
Six Mitsubishi split air-conditioning units. Four ceiling cassette and two wall mounted units.
All above appliances still under warranty.
Designed raised ceiling. Coved throughout the unit.
Italian and German light fixtures.
Porcelanosa tiles used in bathrooms and kitchen.
New Rehau plumbing pipes. All new designer kitchen and bathroom fixtures. New water heater tank.
All new electrical wiring, switches and circuit boards.
Wired throughout for home theatre system/stereo/tv.
Granite and marble countertops.
Windows and frames re-finished.
All new sprinkler and smoke and heat detector.
All new designer roll-up drapes throughout the unit.
Exterior walls all waterproofed personally warranty for five years.
Complex has pool, jacuzzi, function/party room and gym.
24hrs security. CCTV installed in common areas.
For more details please contact
Realtor® Caroline N. Angeles
http://www.homesph.net
http://www.realestates-philippines.com
Tel no. (+632) 986-5899
Mobile Nos. Globe : (+63917 3479700)
Smart : (+63919 8199438)
Sun : (+63922 2957787)
Email : carol.angeles@cna-realty.com
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• 398 sq. ft., 1 bath single story "studio type"
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$44,211 USD
Plainview, Mandaluyong
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The Bonifacio Residences is located along Boni Avenue in Mandaluyong City, between Ortigas and Makati Business District, putting you at the center of everything. Its easy accessibility to major business districts and the medley of recreational and commercial establishments puts work and leisure at your fingertips. This prime location lets you experience city living at its finest.
It is about 5 to 15 minutes drive to Makati, Ortigas, Greenhills and nearby Sta. Mesa, Manila. While it will only take you 10 to 30 minutes drive to Quiapo, or Central Manila..
Units for sale : Studio Type and Two Bedrooms.
Price Range : P1.4M TO P2.8M
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Just a few steps to the pool & clubhouse
• 409 sq. ft., 1 bath, 1 bdrm 1 3/4 story "Loft Type"
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$44,211 USD
- Php 2,100,000
California Garden Square , Mandaluyong
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A newly built Loft Type Condominium Unit at the first floor of the Glenhaven Building in the California Garden Square.. It is right infront of the swimming pool and the Clubhouse. The current selling price within that building is about Php 2.5M or U$ 52,084 but is only being offered for sale for only Php 2,100,00 or U$42,857. It was newly turned over last year October, 2007.. The owner is selling it because he had already migrated to Canada and his mother is finding it hard to maintain it because she lives in Paranaque.. A very wise investment.. Please contact me so I can fully assist you in your decision to invest in properties here in the Philippines..
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Live in the Center of Metro Manila
• 37 sq. m., 2 bath, 2 bdrm 1 3/4 story "Loft Type"
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$56,842 USD
- Php 2,700,000
Edsa , Mandaluyong
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Located Along EDSA, Mandaluyong City. Highly accessible to public transportation, shopping malls, restaurants, business establishments, schools, church, etc. BEST PROPERTY INVESTMENT!! Resale value increases annually and most preferred rental condomium units.
CALL ME NOW!!
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Resort-like ammenities. Wise Investment!
• 51 sq. m., 1 bath, 2 bdrm single story "bungalow type"
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$65,470 USD
- Php 3,086,000
Tivoli Garden Residences, Coronado St.
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A beautiful resort like condominium very near to Makati, Mandaluyong, Ortigas, Quezon City, Manila, etc. Highly secured with sport's complex, gym, 3 swimming pools, grand clubhouse, skylounge, etc. A very wise investment since property within the area continue to increase since it is at the very heart of Metro Manila. Walking distance to the church, cityhall, hospitals, schools, and just about other business establishments.
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10% downpayment you may move-in
• 41 sq. m., 1 bath, 1 bdrm single story
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$52,470 USD
- Php 2,451,000
Malamig, Mandaluyong
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A beautifully designed resort like condominium with swimming pool, grand lobby, fitness gym, koi pond, etc. Highly secured within a quiet garden like atmosphere
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