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5 Easy Steps to Realize Your Dream Home

Buying a house might be a bit overwhelming, especially for first-timers, and it is not wrong to feel that way. After all, owning such property is both a great investment and a huge responsibility. Not to mention the fact that it is a daunting process that requires a lot of money, knowledge, and thorough research, among others. But among the many steps, where do you start?

Fret not because Lumina Homes got you covered with this 5-step Buyer's Guide by Lumina.

Project inquiry.
A good buyer is the one who asks. It is only understandable for every first-timer to have a lot of questions. Good thing the basic details about Lumina Home Properties are just a click away. Access information about your preferred property or house models at Lumina's website (www.lumina.com.ph) and even chat with a Lumina Expert using the chat button on the website should you need further assistance.

Site viewing.
This is probably one of the exciting parts of scouting your next home. Seeing the actual community you might be moving into, visiting those dressed-up units where you can draw inspiration when designing your new home, or just seeing for yourself if the place exudes a home vibe. Lumina understands this and offers a free site viewing with a Lumina expert to assist you.

A glimpse into one of Lumina’s established communities



Scan QR for a virtual tour of Lumina’s showcase area and bestselling home models


But if you have yet to set the date for your site viewing, make use of the 3D virtual tour of Lumina Homes Showcase Area (https://storage.net-fs.com/hosting/6413202/22/index.htm).

Reservation Application.
Once you're already set with the location and property that you wish to purchase, submitting the reservation application is the next step for you.

To go to Lumina Homes Online reservation portal, scan QR or go to https://onlinereservation.lumina.com.ph


Lumina makes it easier for homebuyers to make a reservation through Lumina Homes Online. It is an online portal where you can easily view and select your preferred block and lot, and settle the reservation fee through various payment channels such as credit or debit card, GCash, or over-the-counter. Upon successful application, you will receive an email confirmation that includes a link to Lumina Homes' Electronic Buyer's Information Sheet (EBIS), Electronic Quotation Sheet (EQS), and Electronic Reservation Agreement (ERA).

Marketing & Admin Briefing.
Lumina Homes is committed to providing quality service to all of its clients. After placing your reservation, an assigned Lumina Marketing and Admin Staff will be in touch with you for briefing, which includes information about the property you are set to buy, documentary requirements, step-by-step process prior to turning over of your Lumina Home, housing, and admin policies, and the project timeline.

Submission of Requirements.
After completing the briefing, you are only one step away from being a homeowner. The assigned Lumina expert will ask you to fill out some forms and submit documentary requirements within 30 days.

The list of documentary requirements varies and depends on two factors--employment status and financing options. Either way, Lumina Expert will be available to assist you with any further concerns.


Lumina Homes continuously evolves to accommodate the growing needs of its homeowners by providing digital real-estate solutions like virtual home tours and subdivision walkthroughs, online reservations, online appointment booking, and online payment options through digital wallets and digital banking in partnership with national bank players.

"Lumina Homes is committed to going beyond what is expected of an affordable housing community. We will maximize our developments' potential in providing our residents the quality home and life that they deserve," Estrellita Tan, Group Head of Lumina Homes said.

Start your homeowner journey at https://www.lumina.com.ph/property-listing.
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Starting To Invest

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 When can we live normal again, without the fear of a virus? Everyone around in the world is affected, every family struggling, there are people who lost their job because of this pandemic. Big and small businesses are also affected. If you still have your job right now and living healthy every day that is a huge blessing, other people lose their job because some businesses close or reduce manpower.

Other people are into investments and that is wise thinking, think of the future. At some point, there is income for you to wait in case of an emergency or times like this. Speaking of investments, there's a lot of investment you can start. The property, cash, and also real estate are some of the investments you can start if you are thinking to invest. There are a lot of things to consider and learn also if you are starting to invest in a real state it is also a great option and long term.

Markets differ from the others, you can't say one is stable because we don't know what will happen tomorrow, all you can do is learn to keep your investment and protect it no matter because they say there's always a rainbow after the rain.

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Avoid Getting Ripped Off: Buying a House in the Philippines



Buying a house is a big financial decision that shouldn’t be taken lightly. You have to go through repetitive processes from filing to signing before you can call your place your own home. Hence, make your purchase worth it and avoid getting ripped off.

This is a checklist of the things that you need to make sure before buying your property.

Take out a mortgage deal that you can pay
For your dream home to come true, you need a huge sum of money to pay for all your expenses. Getting a mortgage deal is the best way to finance your home – but it may come off as the worst option if you get a mortgage that you can’t pay.

Be sure not to max out your mortgage to your current financial status. Make certain adjustments as you don’t know what the future holds when it comes to your money.


Read every single detail before signing
It’s exciting to sign your contract when you finally have it before your eyes. The thrill may result in a bad decision, however, if you don’t read every single detail of your contract – especially the fine print!

Aside from this, you also need to recheck the details of your legal name, address of your new home, and other relevant details before signing.


Register your home to concerning agencies
Once that you have the contract sorted out, register your home under your name. Ahead of time, find out the requirements of concerned governing agencies like Registry of Deeds, City Hall, Bureau of Internal Revenue, and other relevant departments.

After sorting this out too, file all the necessary documents on your end so you have proof of the legality of your home.


Make sure to get the Certificate Title
Before you call your home your own, get a hold of the Certificate Title. This will certify that your home is legally yours – so make sure to keep it filed in the best condition as possible. Hence, whenever a situation may arise, you have proof to present.

Ensure that your Certificate Title is a true certified copy with all your legal details correctly indicated in the document.

If you’re looking to buy a home easily at affordable prices, secure a home now with BellaVita. They’re built with quality materials and are located where businesses and developments are emerging fast!


For more information about the location of their homes and their pricing, visit BellaVita website or Facebook page.
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4 Home Buying Mistakes You Don't Want to Make

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Buying a home is a huge decision that can affect how you live the rest of your life. Although most people know better than to take this lightly, many people fall for some common pitfalls that they could avoid through planning. This house is your future home, so take the time you need to make sure it's the perfect fit for you.

Going Beyond Your Budget
This mistake is one of the most common ones. A lot of people like to follow the rule of making sure your house payment is no more than thirty-three percent of your monthly income- but it should get calculated on a person-to-person basis. What bills do you pay every month? Calculate everything down to groceries and fun that you have.

How much is left?
Although an ideal budget is fun to have, being house poor isn’t fun. What's the good in owning your own home if you can't afford to furnish it?
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What Is a Wise Real Estate Investment?

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The real estate industry is always changing. This sounds somewhat trite, and maybe a little obvious, but an alarming amount of people don’t really see this industry as something that changes all that often. Sure, we know that prices will go up and down, but, in general, the way that business is conducted is basically the same throughout the climbs and sharp descents that the market throws their way. But this outlook often comes from a misunderstanding of what it is that drives real estate costs. 

Ask just about anyone and the odds are that they’ll have the same idea about what it is that ultimately determines the value of a given property: location, location, location. Sure,  buyers aren’t going to be willing to fork over too much if, say, the roof is caving in, even if the area is nice. But even a bad property can go for a price that will make the landlord rich if the property is in the right location. All you’ve got to do is look at the prices that apartments you could almost label ‘decrepit’ go for in places like New York City and central London go for to see that location often supersedes all other factors.
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