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.

Have fun in the great outdoors with your Lumina Rosario community

While we do spend most of our leisure time, safe and cozy, inside our home, it is the community just outside its doors that make it the ideal abode.

When we take our family on a sojourn beyond the walls of our house and explore our immediate vicinity, we are able to take part in the local scene. Our interactions with our neighbors and local merchants during our time out of doors help shape our total experience in our particular locale.

Lumina Rosario

Take living in Lumina Rosario, for example.

This newest project of mass housing community developer Lumina Homes is located in a 46-hectare property in Barangay Quilib in Rosario, Batangas.

Lumina Rosario House Models

In this location, would-be homeowners on the lookout for a house and lot for sale in Batangas, can find their dream home among the Lumina Homes’ well-designed and constructed house models, regardless of their stage in life.

The Anna Rowhouse, for instance, is a bungalow type dwelling with a 24 square meter floor area and a 36 square meter minimum lot area, perfect for those who want a starter home. Already built with living and dining areas, kitchen, toilet and bath, as well as a provision for one bedroom and service area, it is ideal for those who want something low-maintenance for their first abode.

On the other hand, home buyers with small families would gravitate towards the Adriana Townhouse. A two-storey home with a 44 square meter floor area and a 36 square meter minimum lot area, it is built with living and dining areas, kitchen, toilet and bath, provision for two bedrooms, service area and a garage.

Lastly, home buyers with larger families would find either the Angeli Duplex or the Angeli Single Firewall well-suited to their needs. Both feature a floor area of 53 square meters and a minimum lot area of 63 square meters, and are built with living and dining areas, kitchen, toilet and bath, 3 bedrooms with partitions, family area and garage. The difference between the two models is that the duplex is one of two adjacent units while the single firewall is detached from other units by a space of approximately 3 meters. These house models definitely provide families with more room to grow!

These housing options are made even more accessible to would-be home buyers thanks to various financing options, such as:

  • Pag-Ibig Financing which has an interest rate of just 6.5% over a payment period ranging from 5 to 30 years
  • Bank Financing which has faster loan processing payable between 5 to 20 years
  • Deferred Financing which involves straight payment of total contract price over 24 month at 0% interest
  • Spot Cash Total Contract Price which involves full payment of total contract price within 30 days after reservation applying a 6% discount.

The Amenities.

Aside from a wonderful structure that they can furnish according to their taste and mold into a home for their family, Lumina homeowners also get to enjoy a sprawling outdoor area where they can hold fun activities together with their neighbors and establish their own community.

Kids can have fun playtime with their friends at the parks and playground area while the more sports-minded residents can make full use of the covered basketball court for sports and fitness activities.

Lumina Rosario
Lumina Rosario
Lumina Rosario
Lumina Rosario
Lumina Rosario
Lumina Rosario

Public events and private functions may also be held at the shared commercial area to help foster a community spirit.

The friendly guards at the guard house help to ensure the safety and security of the community while the shuttle service enables residents to easily venture out and enjoy more of what the locale has to offer by way of culture and entertainment.

The Local Flavors.

Rosario, Batangas is the home of the Sinukmani Festival, a feast held every year on the 9th day of June since 2005. It celebrates the local delicacy Sinukmani, more widely known as Biko, which is made with the area’s top local produce: rice, coconut and sugar cane.

Other must-try gustatory delights in the area include the Goto Batangas which is a soup made with tripe, intestines, liver, and beef shank in a broth flavored with onions, ginger, and annato powder and served with steamed rice, as well as the Lomi Batangas, a Chinese-inspired noodle soup made even heartier by the Batanguenos with the addition of pork meat, tripe, crispy skin and other sundry ingredients.

Places to Visit and Enjoy.

Residing in Lumina Rosario makes the region’s breathtaking tourist attractions all the more accessible to those with a little bit of wanderlust.

Villa Crisanta Garden Resort, for instance, is a perfect destination to escape the metro’s hustle and bustle with its verdant gardens and leisure spa facilities.

An hour’s ride away from Lumina Rosario would get the traveller to popular beach destination Laiya in San Juan, Batangas.

Laiya, Batangas

Those seeking serenity can enjoy the sun, sand and sea of beachfront resort Playa Laiya while those seeking thrills can enjoy the adrenaline-pumping activities at Laiya Adventure Park such as a 630-meter zipline, wall climbing, rapelling, freefall, aerial walk and downhill tubing.

Indeed, there’s no shortage of things to enjoy out-of-doors if you reside at Lumina Rosario. And the best part is that after all your outdoor fun, you can always come home to your vibrant community and your comfortable Lumina Homes abode.

So inquire now for a Lumina Rosario house and lot for sale in Batangas by calling +63 919 0812972 or +63 917 8342349 or by visiting the sales office at Lumina Lipa Site in Brgy. Tibig, Lipa City, Batangas and be on your way towards becoming a #CertifiedKabarangayLumina.

Other #LuminaHomes projects in the province are located in Lipa, Bauan, Tanauan and Sto. Tomas.

For more details, follow Lumina Rosario on Facebook or visit the Lumina Homes webpage.