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.

Reserving your Lumina home this week? Enjoy a 50% discount at Shopee!

Gone are the days when people believe August as a ghost month. And for Lumina Homes, August means celebrating its anniversary with its growing number of homeowners. You can say that it also marks the start of its long Christmas giveaways, beginning with this awesome 50% reservation discount during Shopee 8.8!

2022 AUGUST Lumina 1800x1080

Here’s the step-by-step guide to claim your discounted e-voucher:

  • Proceed to Lumina Homes Shopee Mall store at www.shopee.ph/luminahomesofficial;
  • Browse through the available or featured home reservation e-vouchers;
  • Read the e-voucher description and chat with the seller to inquire about Lumina Homes projects location where you can use the e-voucher;
  • Choose your preferred e-voucher and click “Buy Now” or “Add to Cart” and pay for the e-voucher through Shopee Pay, GCash, or credit card.
  • The Lumina Homes Expert will receive a notification of the sale, then he/she will contact you to schedule an online appointment for marketing briefing and completion of documents.

Times are changing, and the ease of reserving your new home only gets more and more appealing, at least when you’re dealing with Lumina Homes. 

Choose your preferred location, whether you’re in Luzon, Visayas or Mindanao. The projects are available in over 50 key cities and municipalities in the Philippines, such as Rizal, Bulacan, Bataan, Zambales, Nueva Ecija, Tarlac, Pangasinan, La Union, Cagayan, Cavite, Batangas, Laguna, Quezon, Albay, Sorsogon, Iloilo, Cebu, Negros Occidental, Agusan del Norte, Zamboanga del Sur, Bukidnon, Misamis Occidental, and Davao del Norte.

Is stepping into your home your 2022 Christmas wish? This Lumina Homes x Shopee 8.8 could be your sign to fulfill that goal and more! With Lumina Homes’ beautiful houses and modern community centers, right away you’ll definitely feel that you belong.

DTI Fair Trade Permit No. FTEB-147555 Series of 2022

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.

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

Lumina Homes offers 5% discount on reservation e-vouchers for a limited period

We’ve loved Lumina Homes’ P100 discount, but from April 30 to May 7, 2022, you can enjoy up to P500 off the reservation fee at the Shopee 5.5 Brand Festival Sale!

Level up your online shopping and adulting skills by making a no-nonsense purchase—your very own Lumina Homes house and lot or condo unit this summer, which you can reserve by simply tapping on your mobile phone. And while you’re at it, take advantage of Lumina’s 5% off on reservation fee e-vouchers.

You can use this at Shopee Mall using this link. And here are the house models exclusively available on Shopee 5.5 Brand Festival Sale:

Lumina Shopee 5.5

Still wondering how to start? Here’s the step-by-step guide to claim you discounted e-voucher:

  • Proceed to Lumina Homes Shopee Mall store at www.shopee.ph/luminahomesofficial
  • Browse through the available or featured home reservation e-vouchers;
  • Read the e-voucher description and chat with the seller to inquire about Lumina Homes projects location where you can use the e-voucher;
  • Choose your preferred e-voucher and click “Buy Now” or “Add to Cart” and pay for the e- voucher through Shopee Pay, GCash, or credit card.
  • The Lumina Homes Expert will receive a notification of the sale, then he/she will contact you to schedule an online appointment for marketing briefing and completion of documents.

Who knew reserving your first home (or investment) could be as easy as ordering your favorite goodies at Shopee, and at a super discount? The promo only runs for 1 week so hurry now, grab your phone and look for Lumina Homes in the Shopee app.

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.

Details provided by Lumina Homes in a recent press release.

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.

It’s time to make your move to Lumina Homes

February is the lovers’ much-awaited month to express their emotions toward their special ones. And just as much as the romantic air mesmerizes the lovebirds, this Valentine’s month could also be your longed-for moment to finally make your move into your dream house—and that applies to even the single but happy ones.

Lumina Rosario
Lumina Rosario

If you haven’t taken advantage of the “pandemic discounts” in real estate yet, this is your chance to grab it. Because just like fleeting love, it could be now or never. Grab some tissue, too.

For ready-for-occupancy (RFO) units, Lumina Homes is offering extended down-payment terms for those who will reserve a unit until February 28, 2022.

Lumina Homes RFO
Lumina Homes RFO

You may choose to pay your down payment in two terms:

Option 1. 7.5% down payment payable in 5 months. You will also get a 5% discount when you receive a bank loan approval on or before the completion of down payment for 5 months.

Option 2. 12.5% down payment in 10 months

Lumina’s RFO Homes include the following:

  • Lumina Tanza in Cavite
  • Lumina Bauan, Lumina Batangas (Sto.Tomas), Lumina Tanauan in Batangas
  • Lumina Quezon (Tayabas) and Lumina Sariaya in Quezon
  • Lumina San Jose in Nueva Ecija
  • Lumina Baliwag in Bulacan
  • Lumina Iloilo (Oton)
  • Lumina Carcar in Cebu
  • Lumina Bacolod (Bacolod City)
  • Lumina Tarlac (Tarlac City)
  • The Balanga Residences in Bataan
Lumina Homes RFO

Now a home brand for Filipinos whether in the low- or middle-income households, Lumina Homes takes pride in being present in more than 50 projects all around the country, spreading love with beautiful home and lot model units, as well as condominiums fit for every Juan’s budget.

For full details of the Make Your Move promo, and more information about Lumina Homes, contact (0917) 629 6523 or visit their official website.

Get a ₱300 discount when you pay for your Lumina Homes reservation using BPI

Love is in the air, and this Heart’s Month could also be your longed-for moment to make your move into your dream house finally—and that applies to even the single but happy ones! Flowers and chocolates may be fantastic, but a brand-new Lumina Homes will set a level-up definition for your relationship. Or, show some self-love and decide to start owning your dream home with a ₱300 reservation discount from BPI until February 28, 2022.

Lumina Polomolok
Lumina Rosario

Simply reserve a Lumina unit using BPI as a payment method when completing a reservation via Lumina Homes’ shopping carts inside Viber, Facebook Messenger, and IG Messenger.

2022 Official Lumina BPI promo

Here’s the step-by-step process when reserving a Lumina Homes house and lot package or condo unit through Viber, where a Lumina Homes Live Agent will be waiting to assist you:

  1. Follow Lumina Homes Official on Viber.
  2. To see a list of available digital vouchers, go to Menu.
  3. Add the Prima Tanza condo unit or your choice of Lumina home model to your online shopping cart.
  4. Proceed with the payment of the digital voucher you’ve chosen through BPI.
  5. To finish the reservation procedure, a Lumina representative will contact you and a Marketing and Administration briefing for the property you’ve chosen.

Shop within the messaging apps of Facebook and Instagram

Click “Send Message” on the official Lumina Homes Facebook or Instagram page. The interactive catalog of comprehensive home options will appear when you click the SHOP NOW button. Select the affordable house and lot for sale or a condo unit you prefer and proceed to the payment using BPI.

A Lumina Homes Expert will be reaching out to you to complete the reservation transaction, such as briefing about the real estate property you availed of and submitting initial requirements for proper identification.

So easy and convenient, right? Lumina Homes continue to encourage Filipinos to learn about real estate investment using innovative and safe digital ways, from virtual tours of their future homes to reserving the unit at their fingertips—with amazing discounts like BPI’s token for Valentine’s Month.

Aside from this, all Lumina homebuyers that purchased its two-story home models through bank financing are also entitled to this bundle of freebies: free move-in fees, free water application, and free electricity application.

Lumina Homes, nasa Lazada ‘yan!
Lumina Homes, nasa Lazada ‘yan!

In 2021, Best Startup Asia recognized Lumina Homes as the Top Real Estate Company in the Philippines for its innovations and being at the forefront of digital real estate transactions.

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

Details provided by Lumina Homes in a recent press release.

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.