FREQUENTLY ASKED QUESTIONS
WHAT ARE THE PROCESS IN BUYING A HOUSE AND LOT?
1. Contact us for a schedule of free house viewing. We will provide transport services back and forth to our meeting place. We will assist you or your representative (either your spouse, parents, son/daughter or any relative you want us to meet) and together we'll visit the model house and the whole village as well.
2. Choose the location of block and lot number and house color thru Developer's Sales Map.
3. Decide what will be your mode and terms of payment.
Mode of Payments:
a. Inhouse Financing
b. Bank Financing
c. Cash Deferred Payment - 24 equal monthly installment ZERO interest
d. Spot Cash Payment - avail of discount if fully paid within 6 months.
Terms of Payment:
a. Downpayment payable in how many months?
b. Balance payable in how many years?
4. Once you decide (procedure 2& 3) we'll then proceed to our office. Fill up the Buyer's Information Sheet (BIS) and Reservation Agreement Form.
5. Pay the reservation fee at the cashier's window. Attend a counselling session, you will be inform by our counsellor on all matters pertaining to your reserved house and lot. This is likewise the time wherein the buyer will ask all the clarification they want.
6. Sign the following forms:
a. Contract to Sell
b. Special Power of Attorney (if Buyer is not available)
c. Insurance Form (Mortgage Redemption Insurance (MRI) and Fire Insurance
d. Inhouse or Pagibig or Bank Loan Application Forms
7. Get from Developer's Office personnel or thru the salesperson the list of "Documents for Compliance" as requirements to be submitted together with signed forms. All requirements must be submitted within 60 days from reservation date.
8. Pay your first monthly downpayment 30 or 45 days from reservation date. However, the buyer has the option to pay the first downpayment 15 days later from the due date stated in the BIS. This is by filing a request letter during reservation.
9. Upon full downpayment, you may now inspect your house in preparation for transfer or move-in.
10. Sign house acceptance after inspection.
11. You may now apply for Meralco (3 weeks) and water connection (3 days) thru Developer's Office (selected projects only). While waiting for
electric connection, Developer will allow youto get electric connection thru sub-meter connection within the village.
12. Upon house acceptance, you'll be allowed to construct interior and exterior improvements and expansion.Just get approval from Developer's
Office. Approval from the Developer is free,fast and easy. You'll only pay for the Building Permit to Local Municipal's Office.
FAQs FROM RESERVATION TO MOVE IN STAGE
1. Reservation- It is not refundable but is part of the downpayment. Buyer can transfer reservation/payments to another person or unit provided under same developer and same price or price is higher than old unit.All payments made will be duly credited in the new owner/choosen unit. Walang penalty or mawawala sa payment. Just pay Php3,000.00 as transfer fee. Approval may take 1-2 weeks. Reservation varies from Php5,000 to Php40,000 depends on the type and model of your preferred house model. It is not refundable in case you decide to cancel the unit. But it is deductible as part of the downpayment. Only Cash, Personal check, Company Check, Cashier's check or Manager's check are accepted as reservation fee. Credit cards are not accepted. Ready for Occupancy Houses (RFO) - There are now ready for occupancy units. Reservation is first come first serve basis because holding of unit will not be allowed.
2. Monthly Downpayment - your first downpayment will start 30-45 days after you paid your reservation.Hindi po sabay ang pagbabayad ng reservation at first downpayment. Hindi po sabay ang pagbabayad ng reservation at first downpayment. Downpayments are not refundable if Buyer cancels the account, but is transferable to another person or unit provided under same agent and developer. All payments made will be duly credited (penalties and interest incurred will be deducted) in the new owner/choosen unit. No penalty or deductions on payment if account is updated at nasa downpayment period pa. Just pay transfer fee of Php 3,000.00 upon approval which may takes 2-3 weeks.
3. Monthly Amortization - the first monthly amortization will start after you have fully paid the downpayment. Hindi po magsasabay ang monthly downpayment at monthly amortization. You can still transfer payments to another unit or person provided your account is updated and you're in INHOUSE financing scheme. If account is not updated, penalties, interest & commision released to agent will be deducted. There's a transfer fee of Php3,000.00 upon approval which may take 2-3 weeks.
4. Why you see different prices?
Prices of House units located at the end part of the village is cheaper than those located nearer the entrance. Units facing east are also a little higher than units facing west, north or south. Corner and end lots are also higher because it has bigger lot area. Another reason is perhaps the advertisement you are seeing now is an old post or price and Agent has not edited it yet. Processing fees also affect house prices. Inhouse processing fees is only 4.5% base on Selling price because Title transfer is NOT included while processing fees for Bank is 8% of Sellling price because Title transfer is already included in he package. Below are the pointers to remember:
*Fire & MRI are included in computation. Estimated at .0005% of loanable amount.
*Transfer of Title cost includes in processing fee for BANK and PAG IBIG financing.
*Transfer of Title cost is NOT included in the processing for IN HOUSE financing.
*Processing fees includes One year Advance Real Property Tax & Insurances.
*Also includes Advance Homeowners Dues and Documentation/Notarial Fees.
*Bank terms for OFW is 15 yrs while locally employed has up to 25 yrs.
*Bank terms will depend on salary & age (loan maturity is 60 yrs.).
*We reserve the right to correct any typographical error
*Price subject to change without prior notice and varies depending on block & Lot location.
5. House buying sales procedure for 12 months downpayment:
Month 1 - Day 1....Reservation
Day 7-15..............Submission of Requirements
Month 2...............1st Monthly Equity or Downpayment
Month 3...............2nd Monthly Equity or Downpayment
Month 4...............3rd - 12th Monthly Equity or Downpayment
Month 14..............1st Monthly Amortization and House Turnover
6. When to move-in?
a.) For Pag-ibig Financing - after full payment of EQUITY/DP and Pag-ibig loan take out (Pag-ibig has paid the developer).Estimated time in loan processing is 4-5 mos after submission of full documents.
b. For Bank Financing - after full payment of downpayment and Bank loan take-out ( bank has paid the developer ).3 mos. after full payment of downpayment and Bank loan take-out (bank has paid the developer). Take out is a must before move-in.
c.) For In-house Financing - after full payment of Downpayment, puede na lumipat. No need for loan take-out. 3 months after full payment of downpayment and submission of full requirements (documents & postdated checks) puede na lumipat. No need for loan take-out. If the 80% balance is thru individual Pag-ibig financing, you can move-in after full payment of downpayment, payment of Pre-termination Fee, Title Cost Transfer, Full submission of requirements and within house completion period.
d.) For Spot Cash payment of downpayment (of NOT RFO Units) :
A discount of up to 10% base on the net selling price. But house turn-over will still follow Developer's house completion schedule as shown in the Inventory Sheet.
e.) Pre-Termination Fee
Profriends charge pretermination fee of only 40% of the required 14% if you decides to loan the balance or loanable amount of Inhouse financing to Pagibig or Bank of your choice. You will apply personally or thru SPA the loan with PAGIBIG Office in Makati with our assistance. Profriends will not handle processing of your loan. During this process, you will be paying downpayment and amortization base on INHOUSE computation.
7.) Ready for Occupancy Units - there are now ready for occupancy units. Only in limited units.Full payment of downpayment is required before Buyer can transfer.Please take note that turn-over unit has only cement finish flooring in all floors.Buyer will shoulder the cost of tiles intallation and other improvements shown in the model houses.
8.) House Construction - starts while Buyer is on downpayment period. By the time Buyer finish paying downpayent, house will be almost finish and ready for turn-over. Starts on the last 3 months of downpayment period. by full downpayment, house is more than half finish and ready for turn-over in 3 months.
Construction bon is required by PROFRIENDS only if you construct improvement or renovate (tiles/fence/balcony). Estimated amount is Php 5,500 - 10,500.00 depending on housing project choosen. The Bond will pay for any damages (should there be any) during construction/improvement period. Bond will be refunded if there is no damage done during construction.
9.) House Improvement - Developer only accepts deletion of tiles in Bathroom & Kitchen countertop. Deletion charge is Php1,000.00. Letter of request must be sent before house construction starts. Approval of request takes 2 weeks. Buyers will be informed. Buyer must get outside contractor to do the improvement of their unit.Buyer can only start installation of tiles/improvement after house is turned-over. Developer only accepts deletion (for Inhouse financing only) of tiles in bathroom & kitchen countertop. Deletion charge is Php1,000.00. Letter of request must be sent before house construction starts. Approval of request may takes 2-3 weeks. You are allowed get outside contractor to do the improvement of your unit. And can only start installation of tiles and improvement after house is delivered or turned-over. NO deletion is allowed for Bank & direct Pagibig financing.
10.) Move In Procedure:
a)Buyer needs to settle/ pay in full the required downpayment (inhouse) and with loan take out (pag ibig and bank).
b)Request letter to move in should be made by the buyer and notify developer's office.
c) Developer will issue notice to the buyer for the house inspection. Secure a certificate of acceptance from the Engineering site after house inspection, if there is needed repair during inspection.
d) Present the copy of certificate of acceptance issued by Engineering office and Developer will issue ATMI ( Authority to move in).
e) Present the ATMI at the site's security personnel for the entry of move in.
f) Present the ATMI to Engineering office for the turn over of house keys.
Profriends will not allow you to inspect the house, move-in or transfer unless ALL REQUIRED DOCUMENTS and POSTDATED CHECKS are fully submitted. You will not receive Notice of Inspection too. When this happens, your house might be deemed accepted. So it is highly recommended to submit all requirements within 30-60 days from reservation date to avoid future inconveniences..
11.) Electric Power Supply (MERALCO) connection:
a) Buyer needs to apply personally or his/her SPA to meralco branch office where the subdivision is located.
b) Bring necessary documents given by the developer when doing the application.
c) Search meralco website (www.meralco.com.ph) for the detailed step by step and requirements for power connection.
d) Pay the corresponding amount for the cost of power meter.
e) Present the meter and the request for meter installation job to the developer's engineering office.
Estimated cost for electrical connection is Php2,700.00 (deposit & meter). Timetable is 3-4 weeks from application date. Cost may vary depending on choosen project.
12. WATER Supply connection:
a) Buyer needs to request to the engineering office for the water supply connection.
b) Bring necessary documents given by the developer when doing the application.
Estimated cost for water connection is Php3,800.00 (deposit & meter). Timetable is 1-2 weeks from application date. Cost may vary depending on choosen project.
Other Hidden Charges?
There is NO HIDDEN charges. Water and Meralco connection will be applied personally or thru representative after house is turned-over and accepted.
FAQs WHEN BUYING A PROPERTY
What are the requirements for In-house financing?
Click this link for the details.
What are the requirements for Bank financing?
Click this link for the details.
What are the requirements for Pag-Ibig financing?
Click this link for the details.
What are the requirements if I want to purchase a property?
Either be a) a Filipino Citizen, b) a natural-born Filipino Citizen who lost his/her Filipino citizenship through naturalization in another country, c) a Filipino by dual-citizenship, or d) a foreign national married to a Filipino Citizen.
For individuals classified under b, c or d, he/she may purchase a parcel of land not exceeding one thousand (1,000) square meters in area and for residential purpose only.
A foreign national may purchase a house and lot provided the property is under the name of a company registered in the Philippines, but he/she can purchase a condominium unit under his/her name.
have the financial ability to make the payment for the property, whether in full or through financing.
be at least 18 years of age and able to do acts with legal effects.
I am a Foreigner, can I buy property in the Philippines?
No, Foreigners are not allowed to buy property in the Philippines, however if your Spouse is Filipino/Filipina they will be the title holder, (see above).
I am an OFW and working abroad, how can I buy property in the Philippines?
Yes, You are allowed to buy property, you will need to assign a representative here in the Philippines and supply SPA. We will provide SPA form.
I am not able to view a property myself, can I assign someone on my behalf?
Yes, you can assign someone to view a project, however you must provide details as to show that you are qualified, such as the budget you have available for the said project, we will assist you find suitable property if you budget is insufficient, we will help you find something within your means.
How do I apply for a tripping to a site/project?
For Free Tripping to the site or project location, Contact Besthomes by email or by text SMS (numbers specified) We will arrange a schedule for you or your representative, at least a day in advance are needed for arrangement.
Click here to contact us:
What is the cost for a tripping?
Tripping to a project site is free, no charge to you.
Requirements? Seems dificult to get together, will you help?
Yes, we will help you put it all together from start to finish, firstly we will list all the requirements needed, any docs that you send to us must be valid and autenticated (Notarius Publicus) we will advise you where and how to obtain information you need, all the requirements now in one place, we will submit to the developer, any information that you share with us will only be stored until your business is completed.
FAQs ABOUT PAG IBIG FUND
WHAT IS A PAG-IBIG FUND?
The Home Development Mutual Fund, more popularly known as Pag-IBIG Fund, was created on June 11, 1978 by virtue of Presidential Decree 1530, later amended by Presidential Decree 1752 and Republic Act 7742.
Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko,
Industria at Gobyerno. To this day, the Pag-IBIG Fund continues to harness these four
sectors of the society to work together towards providing Fund members with adequate
housing through an effective savings scheme.
In the area of housing, Pag-IBIG has released nearly P37 billion worth of housing loans to
more than 61,000 members. The figure for 2009 may reach as high as P44.17 billion benefiting over 73,000 borrowers. This is the highest total loan amount and the biggest number of borrowers for a single year in the Fund’s entire history.
WHAT IS PAG-IBIG OVERSEAS PROGRAM?
The Pag-IBIG Overseas Program (POP) is a voluntary savings program which aims to provide Filipino overseas contract workers, immigrants and naturalized Filipino citizens of another country the opportunity to save for their future and the chance to avail of a housing loan of as much as Php 3,000,000.00.
Membership under the Pag-IBIG Overseas Program (POP) shall be open to all Overseas Filipino Workers (OFWs) with valid visas or employment contracts. Likewise, it shall be open to Filipino immigrants and to Filipinos naturalized in other countries.
The POP member shall contribute monthly an amount equivalent to US $5. Should a POP member decide to apply for a housing loan and want to avail of a higher loanable amount, he would be required to upgrade/increase his membership contribution as follows:
Pag-IBIG Membership Contributions
POP Pag-IBIG I & II Loan Amount
US $ 5 200 Up to P500,000
US $ equivalent 250 Over P500,000 - P600,000
at point of
availment 300 Over P600,000 - P700,000
350 Over P700,000 – P800,000
400 Over P800,000 – P900,000
450 Over P900,000 – P1,000,000
500 Over P1,000,000 – P1,100,000
550 Over P1,100,000 – P1,200,000
600 Over P1,200,000 – P1,300,000
650 Over P1,300,000 – P1,400,000
700 Over P1,400,000 – P1,500,000
750 Over P1,500,000 – P1,600,000
800 Over P1,600,000 – P1,700,000
850 Over P1,700,000 – P1,800,000
900 Over P1,800,000 – P1,900,000
950 Over P1,900,000 – P2,000,000
1,000 Over P2,000,000 – P2,100,000
1,050 Over P2,100,000 – P2,200,000
1,100 Over P2,200,000 – P2,300,000
1,150 Over P2,300,000 – P2,400,000
1,200 Over P2,400,000 – P2,500,000
1,250 Over P2,500,000 – P2,600,000
1,300 Over P2,600,000 – P2,700,000
1,350 Over P2,700,000 – P2,800,000
1,400 Over P2,800,000 – P2,900,000
1,450 Over P2,900,000 – P3,000,000
The upgraded membership contribution shall be incorporated as part of the housing loan
Variable dividends from surplus earnings of the Fund shall be distributed annually to all POP members, to be credited to their Total Accumulated Values (TAV).
The accumulated savings under the program may only be withdrawn at the end of five (5), ten (10), fifteen (15), or twenty (20) years at the option of the member upon membership
registration. Withdrawal of contributions shall be in Philippine peso. Contributions in foreign
denomination shall be converted to Philippine peso based on the prevailing US dollar exchange rate as of payment date.
POP members may avail themselves of the housing loan benefit, subject to the provisions of the existing Consolidated Guidelines of the Pag-IBIG Housing Loan Program, through their immediate family members with the execution of a Special Power of Attorney (SPA), duly certified by the Philippine embassy or consulate in the country of their workplace. They can also avail of the Multi-Purpose Loan (MPL), subject to the existing guidelines of the MPL Program.
WHERE CAN MEMBERS FILE THEIR APPLICATION FOR MEMBERSHIP, WITHDRAWAL OF SAVINGS, REMIT OR PAY THEIR MONTHLY SAVINGS?
-Pag-IBIG Overseas Program Office
-POP Overseas Offices
-Accredited Overseas Marketing Representatives
-Metro Manila and Provincial Offices
-Accredited Collecting Banks/Remittance Companies
WHAT DOCUMENTS TO SUBMIT TO APPLY FOR REFUND OF SAVINGS?
-Original copy of POP Passbook
-Application for Provident Benefit
-Special Power of Attorney ( if applicable)
HOW LONG IS THE PROCESSING PERIOD?
-Three (3) working days
WHERE CAN I PAY?
-Remittance of Contributions may be made through our accredited collecting banks:
PNB London (Savings Acct. No. 0725-219601-401)
ABC UK (UKD 2000097)
PNB HK (Savings Acct. No. 0730-475270-501)
United States of America
Oceanic Bank (Savings Acct. No. 3700143)
PNB New York (Savings Acct. No 1713)
ABC Guam (Savings Acct. No. 5000-00355-4)
BPI - Atrium (Savings Acct. No. 3124-0221-09) Speed cash
ABC Head Office (Savings Acct. No. 1002-071759)
Bank of Nova Scotia (Savings Acct. No. 2164-10)
Remittance may also be made to any of the following banks:
RCBC (Savings Acct. No. 8000-08787-5)
PNB Makati Ave. (Savings Acct. No. 265706641-1)
LBP (Savings Acct. No. 2204-008496)
PCIB (Savings Acct. 5463-00176-8)
FREQUENTLY ASKED QUESTIONS
How can I buy a house thru Pagibig? I'm locally employed but not yet a Pagibig member.
-You must apply for Pagibig membership first to be eligible to buy a house thru Pagibig.
Who are eligible to borrow?
-Must be a member under the Pag-IBIG I or Pag-IBIG II program for at least 24 months as evidenced by the remittance of at least 24monthly contributions at the time of loan application:
-Must be a member under the Pag-IBIG Overseas Program (POP) for at least two years.
-A member under Pag-IBIG I & II or the POP shall be allowed to make a lump sum payment equivalent to the required number of monthly contributions to satisfy this requirement;
-Under the Pag-IBIG Overseas Program (POP), must have remitted an amount equivalent to his savings for at least 12 months.
-Must not be more than 65 years old at loan maturity and must be insurable;
-Must have the legal capacity to acquire and encumber real property and currently employed;
-Must have passed satisfactory background/credit and employment/business checks of the
developer and the Fund;
-Had no Pag-IBIG housing loan that was foreclosed, cancelled, bought back or subjected to "dacion en pago"
-Must have no outstanding Pag-IBIG housing loan, either as a principal borrower or co-borrower;
-Has no outstanding Pag-IBIG multi-purpose loan in arrears at the time of loan application.
-A member whose multi-purpose loan is in arrears shall be required to pay his arrears over the counter to update his account.
2. How can I join Pag-IBIG? I'm locally employed.
Employees who are not regularly employed can join the Pag-IBIG Fund on a voluntary basis.
a. Accomplished two (2) copies of the Members Data Form (MDF).
b. Submit the MDF form with all required supporting documents like:
1. Certificate of Employment & Compensation
2. Latest Payslip
3. Company ID
4. Two 1x1 picture
(bring all originals for authentication)
c. Present all verified and stamped documents to:
Marketing and Enforcement Division
Pag-IBIG Branch Office
(where company pays contributions)
d. Secure Payment Order Form (POF) from Marketing and Enforcement Division.
e. Proceed to Cash Division for payment of initial membership contributions (MC).
3. How can I join Pag-IBIG? I'm an OFW.
Requirements in Applying Pagibig membership for OVERSEAS FILIPINO WORKER (OFW)
a. Latest Contract of Employment
b. Passport or any valid ID
c. Two 1×1 ID pictures
If a representative submit and pay member's contributions:
d. Special Power of Attorney (SPA) - Consularized
4. How much is the maximum loan amount for Pagibig housing loan?
A qualified Pag-IBIG member shall be allowed to borrow an amount up to a maximum of Three Million Pesos (P3,000,000.00).
5. I am an OFW, where to apply for Pagibig Overseas Program (POP)?
Where can I register as a Pag Ibig memeber?
In the US, Canada and Middle East - Thru the Philippine Embassy or Consular Office nearest you or accredited/authorized Pag-IBIG coordinator.
In the Philippines - Mail or submit the accomplished Member's Data Form to:
Pag-IBIG Overseas Department
6/F Atrium of Makati
Makati Ave., Makati, M.M., Philippines 1200
c/o Vincent N. Nery or Voltair M. dela Rosa
6. What are the Steps in Applying Direct Pagibig Housing Loan with Profriends, Inc.?
a. Pay the reservation fee once you have choosen the block number and lot number of the
house. Get the list of required documents. An agent will assist you on this.
b. Attend a loan counseling session within 30 days after reservation date at Profriends' office either in Imus or Carmona, Cavite and accomplish a Preliminary Loan Counseling Questionnaire (HLA) and Membership Status Verification Slip (MSVS). Your agent will giveyou the schedule of the counselling.
c. Pay your first equity and submit all required documents on the list, postdated checks and Pagibig forms given during reservation.
d. After paying full equity, (3-12 mos) wait for Pagibig loan take out (estimated 3 months).
Only then can you move-in or transfer to your house.
7. I'm separated, is my spouse's signature needed in the Pagibig forms?
Yes. You may ask her/him to sign a Special Power of Attorney for you to process the loan.
8. I stopped paying my monthly contributions, can i still use my Pagibig in buying a house?
Yes. Just reactivate your Pagibig membership. Update contribution payments and pay reactivation fee.
9. Can my fiance and I apply jointly for a Pagibig housing loan?
No. Only married couple are allowed or relatives within the second civil degree of consanguinity or affinity. Either you or your fiance will be the principal buyer. Just change civil status as soon as you're married.
10. Can I apply for ADDITIONAL LOANS even if I still have a housing loan?
Yes. A member who is updated with his monthly contributions as well as his monthly housing loan amortizations as of date of application for additional loan shall be eligible for the said loan.
A qualified Pag-IBIG member who has an existing housing loan may avail himself of an additional housing loan for the following purposes:
1. House construction on a lot purchased or refinanced through a Pag-IBIG housing loan.
2. Home improvement.
11. During amortization perod, Are we allowed to pay partial or full amount in advance?
Yes. A borrower shall be allowed to prepay his loan in full or in part without prepayment penalty.
Accelerated payments – any amount paid in excess of the required monthly amortization shall be applied automatically to principal. The treatment of excess payment the borrower prefers must be noted on and properly disclosed in the Pag-IBIG Fund Receipt (PFR).
12. When can I apply for another Pagibig housing loan?
A Pag-IBIG member may avail himself of a second Pag-IBIG housing loan provided he has fully paid his first housing loan, whether as a principal borrower or as a co-borrower.
13. What are the importance of Fire Insurance (FI) & Mortgage Redemption Insurance(MRI)?
The borrower shall be compulsorily covered by mortgage/sales redemption insurance and fire insurance.
Application of Insurance Proceeds
In the event of death, Pag-IBIG Fund shall apply the proceeds of the member’s mortgage/sales redemption insurance (MR/SRI) to his outstanding housing loan balance, and the excess, if any, shall be paid to the member’s designated beneficiaries.
In case the insurance proceeds shall not be sufficient to pay the member’s housing loan balance fully, the Fund shall offset the remaining amount against the member’s TAV.
14. What is the maximum loan term?
The loan shall be repaid at a maximum term of thirty (30) years .
The borrower shall be allowed to lengthen or shorten the loan term only once during the life of the loan.
15. Who are accepted as co-makers if my salary did not meet the required amount?
A maximum of three (3) qualified Pag-IBIG members may be tacked into a single loan which is secured by the same collateral, provided they are related within the second civil degree of consanguinity or affinity.
16. Will there be recomputation or repricing of my loan after 3 years?
Yes. For loans over Four Hundred Thousand Pesos (P400,000.00) up to Three Million Pesos (P3,000,000.00), Pag-IBIG Fund shall reprice the interest rate of the loans every three years at rates based on prevailing market rates at point of repricing,
17. How shall I pay my Pagibig housing loan?
a. Post-dated checks issued by the borrower, co-borrower or relatives up to the first civil degree of affinity or consanguinity, initially to cover the monthly amortizations.
Staggered payments for an amortization/installment period shall be allowed provided the
amortization is paid in full on or before the due date.
18. How much is my penalty if I cannot pay on due date?
The borrower who fails to pay the full monthly amortization and/or other loan obligations
when due shall pay a penalty of 1/20 of 1% of the amount due for every day of delay.
If you still have more questions, please feel free to inquire here!
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