5 signs it’s time to consider buying your own home

For most of us, home ownership is a major milestone.

It is not just the hallmark of the ability to make a significant long-term financial commitment, it is also the start of putting down roots. It involves creating a home and establishing your presence in a community for a long period of time, perhaps even permanently. When you own a home, your family has a place to grow up in, and you have a legacy to pass on to your children.

Home ownership also demands some sacrifice: aside from the major financial investment involved, you also need to maintain the home, keeping it clean and in good condition and ensuring that its facilities – from its furnishings and appliances to its fixtures – are working well.

Lumina Homes

With all of these important considerations, how can you know if you’re ready to own a home?

Here are some signs:

  • You have a stable income. Paying off your home mortgage will take a significant portion of your budget over many years. You need to be able to count on a steady job or other revenue streams such as investments or side hustles to afford your monthly mortgage payments.
  • You have saved – a lot! – for a rainy day. Should an emergency occur while you are making those monthly house payments, you need to be able to handle both without putting yourself in a sticky financial predicament. A good rule of thumb is to have money equivalent to six months of your monthly house payments set aside as savings prior to signing the deed.
Lumina Homes
  • You have good credit. How you handle small debts – such as credit card payments – can be a strong indicator of how you will handle major financial responsibilities such as house payments.
  • You are comfortable with managing and maintaining a home. Aside from making your monthly payments, home ownership also comes with many responsibilities such as maintaining the property, making repairs and remodeling when needed.
  • Your life is aligned with home ownership. If you are at a time when you want more space to raise a family, pursue hobbies and interests, or to put down roots in an area you love, then it may be time to set up a home of your own.
Lumina Homes

So if you think you’re ready to dive into home ownership, be sure to check out your nearest Lumina Homes project!

These projects are available in over 50 key cities and municipalities in the Philippines such as in Rizal, Bulacan, Laguna, Isabela, Bataan, Zambales, Nueva Ecija, Tarlac, Pangasinan, La Union, Cagayan, Isabela, Cavite, Batangas, Laguna, Quezon, Albay, Sorsogon, Iloilo, Cebu, Negros Occidental, Agusan del Norte, Zamboanga del Sur, Bukidnon, Misamis Occidental, South Cotabato and Davao del Norte.

Each is strategically located close to major thoroughfares, transport hubs, schools, hospitals, and business and leisure centers.

Inside these communities are well-designed and constructed house models for one that will suit your needs from single-story starter home rowhouses to two-storey townhomes and detached units, all built with living and dining areas, provision for bedrooms, service areas, as well as toilet and bath.

Aside from having an affordable yet comfortable abode, living at a Lumina Homes community also affords you with amenities that are conducive to enjoyable times spent out of doors.

These include a basketball court, children’s playground, function hall, and mini gardens enclosed in a perimeter fence with 24/7 security, plus free shuttle service to and from town.

Lumina Rosario

Getting your own Lumina dream home is made even easier, thanks to various financing options, such as:

  • Pag-Ibig Financing which offers the lowest possible interest rate with a 14-month downpayment term and a 30-year maximum loan term
  • Bank Financing which has faster loan processing with a 16-month downpayment term and a 20-year maximum loan term
  • Deferred Financing which involves straight payment of total contract price over 24 month at 0% interest
  • Spot Cash which involves full payment of total contract price applying a 6% discount if made within 30 days from payment of reservation fee, 8% if made within the reservation month, and 10% if made within 10 days of reservation date
Lumina Homes

Here’s how to get Php500 off when reserve your own Lumina home online:

  1. Visit Lumina Homes’ website.
  2. Click “E-Services” and “Reserve Online” then fill out your details.
  3. Fill out the project name, phase, block and lot of your preferred Lumina project.
  4. Proceed to payment and use my code JLBLMN500. Payments via GCash or debit/credit cards are accepted.

Prima Casa Land & Houses, Inc., known through its “LUMINA” brand, has evolved to be the practical choice of everyone in realizing their dream of home ownership. Lumina is the leading mass housing developer in the country with its roster of value-priced homes in affordable and self-sustaining communities.

For more information and announcements, follow @luminahomesofficial on Facebook or visit Lumina Homes’ official website at www.lumina.com.ph.

Lumina Homes recognized as Best Affordable Housing Developer in the first Carousell Property Awards

Lumina Homes has grown from a low-cost housing brand to one that provides a Filipino family’s ultimate dream home, but it always looks back to its roots of offering affordable and decent homes to everyone. Several award-giving bodies validate this commitment of Lumina Homes, and recently, the first-ever Carousell Property Awards recognized Lumina as Best Developer for Affordable Housing.

The 1st Carousell Property Awards celebrates the country’s most recognizable real estate developers and their finest developments. The Best Developer for Affordable Housing award is one of the nine categories, some of which were bestowed to Lumina’s sister companies under Vista Land & Lifescapes Inc., one of the country’s leading integrated property developers.

Carousell Award of Lumina Homes

Vista Land has guided Lumina in its 10 years of building more than 100,000 homes for Filipino families.

These Lumina projects are available in over 50 key cities and municipalities in the Philippines such as in Rizal, Bulacan, Laguna, Isabela, Bataan, Zambales, Nueva Ecija, Tarlac, Pangasinan, La Union, Cagayan, Isabela, Cavite, Batangas, Laguna, Quezon, Albay, Sorsogon, Iloilo, Cebu, Negros Occidental, Agusan del Norte, Zamboanga del Sur, Bukidnon, Misamis Occidental, South Cotabato and Davao del Norte.

Each is strategically located close to major thoroughfares, transport hubs, schools, hospitals, and business and leisure centers.

Lumina also listens well to current market needs, and it has started converting its developments to cater to the demand for bigger living spaces. Due to the pandemic, most property seekers are looking into two-storey house and lots with bigger room provisions, bigger lots, and better ventilation.

“We in Lumina Homes are committed to go beyond what is expected of an affordable housing community. We will continue to maximize and level up our developments’ potential in providing residents the quality home and life they deserve,” shares Engr. Joemi Tan, Division Head of Lumina Homes.

Recently, Lumina “unboxed” eSpacio, its very own amenity center composed of well-thought and functional amenities. Aside from standard amenities such as a multi-purpose hall, mini gardens, playground, jogging path, and a shuttle terminal, eSpacio also boasts of a holistic community center and “Tambayan ni Juan.”

The community center has office provisions for Health Center, Day Care Center, Senior Citizen Center, and Barangay Center while the “Tambayan ni Juan” features an al fresco dining hub with live performers on stage, so that homeowners can have a safer place to enjoy new-normal leisure and entertainment.

But Lumina’s advantage over most affordable housing brands is its push for real-estate solutions early on, even before the pandemic started.

For safer, smoother and faster transactions, Lumina offers efficient virtual home tours and subdivision walkthroughs. It has also perfected online reservation, online appointment booking, and online payment options through digital wallets and digital banking in partnership with national bank players.

For more information and announcements, follow Lumina Homes on Facebook or visit its official website.

Affordable Lumina Homes House and Lot, nasa Lazada ‘yan!

Are you planning to buy an affordable house and lot for your family? Then check out Lumina Homes, available in Lazada!

Lumina Homes, nasa Lazada ‘yan!

Lumina Homes is the affordable house and lot segment of Vista Land and has over 50 projects in key cities and municipalities nationwide, such as in Bulacan, Rizal, Pampanga, Bataan, Zambales, Nueva Ecija, Tarlac, Pangasinan, La Union, Cagayan, Isabela, Cavite, Batangas, Laguna, Quezon, Camarines Norte, Albay, Sorsogon, Negros Occidental, Iloilo, Capiz, Cebu, Agusan del Norte, Zamboanga del Sur, Bukidnon, Misamis Occidental, Davao del Norte, Davao del Sur, and South Cotabato.

Lumina Homes, nasa Lazada ‘yan!

In line with the times, Lumina Homes has been all-digital with future-ready innovations like an engaging website, 360-degree virtual home tours, online payment facilities, and stores in top online shopping platforms like Lazada where shoppers can pay reservation fees for their dream house by purchasing e-vouchers.

Lumina Homes, nasa Lazada ‘yan!

Here is a step by step guide on how to avail Lumina Homes e-voucher in Lazada:

  1. Go to Lumina’s official Lazada Store.
  2. Check Lumina’s available e-vouchers. Read the e-voucher description. You may also click the Chat Seller button for more information before purchasing any questions about the e-voucher. You can expect an immediate response since a certified Lumina Marketing Representative is always on standby to attend to inquiries.
  3. Choose your preferred e-voucher, then click Add to Cart or Buy Now.
  4. Fill-out required Payment Details and Buyer’s Information.
  5. Review details, then Check Out to pay for the transaction.

Payment is also hassle-free as shoppers can conveniently use their debit or credit card or digital wallets like GCash and Lazada Wallet.

Lumina Homes, nasa Lazada ‘yan!

After buying an e-voucher of Lumina Homes through Lazada, the shopper can secure their Lumina Unit after purchasing an e-voucher:

  1. After receiving your Lazada purchase confirmation, go back to Lumina’s official Lazada Store and click the “Chat Now” button.
  2. You will be attended by a seller (certified Lumina Marketing Representative) who will provide you with available blocks and lots on your chosen Lumina Homes’ project.
  3. Once you have selected a specific unit, the Seller will give you reservation documents via email to complete the reservation process.

Lumina Homes are built with high-quality materials and cost from Php 500,000 to Php 1,700,000. If Pag-IBIG Fund qualified as a “low-income earner,” a buyer can pay as low as Php 1,898 a month at 3% interest for a brand new house and lot in a safe and secure Lumina community.

Lumina Homes, nasa Lazada ‘yan!

Sparing no expense, developments of Lumina Homes are part of master-planned communities that come complete with amenities like a basketball court, community hall, mini gardens and playground, and commercial areas. By building communities with accessible locations that are close to major thoroughfares, schools, hospitals, transport hubs, and business and leisure centers, Lumina builds a self-sustaining community and provides every Juan the pride of homeownership.

For more details on Lumina Homes, visit its website or follow it on Facebook.

Disclosure: Images provided by Lumina Homes.