Steps In Buying a property at Camella Naga

Step 1
Project Presentation
We present to you the project features, inventory, financing options and other relevant information.
Step 2
Property Visit
We take you to the development site for a better appreciation of the property, amenities, as well as its location, road networks, routes, landmarks and nearby commercial areas.
Step 3
Reservation Application
You choose the desired property and fills in the necessary forms. The purchase is formalized at the Camella Office.
Step 4
Marketing and Administrative Briefing
After submission of the Reservation Agreement and Quotation Sheet, you will be briefed by Camella Marketing Team before the actual purchase is formalized.
Step 5
Submission of Requirements
After the briefing and acceptance of duly filled in forms, you are given 30 days to submit necessary requirements for the purchase. The property is held under your name.
Step 6
Move-in / Turnover of Property
The property is delivered to you on a date specified in the Reservations Agreement. Once constructed, the Homeowner and Developer conduct a joint inspection of the property to confirm that all commitments are delivered.
Welcome to Camella Naga Community!!!

See If I Am Really Licensed

To verify that I am a PRC licensed real estate broker, you may use the following procedure:

Visit the “Verification of Professional Licenses” page at PRC’s website:http://www.prc.gov.ph/services/default.aspx?id=16

Use the “Search by name” option

From the list in the “Profession” box, select REAL ESTATE BROKER.


Type my name: GERALD S. GALLENITO



Use the form below to search our records and confirm the identities of registered professionals. Search may be done on the name or the license number of the professional.
PRC.GOV.PH

Drunk Driving

Last night while I was driving home along Magsaysay Avenue, a place known in Naga City for bars and restaurants,I saw a group of men starting to ride their vehicles - mostly motorcycles. They were very noisy, shouting, and intoxicated for they came from one of the bars in the area. They drove away speedily as if they were racing against each other.
Obviously, they were drunk. Had they been flagged down by police authorities on check point, they would have been guilty of violating Republic Act 10586 - the Anti-Drunk and Drugged Driving Act of 2013 - which penalizes drunk and drugged drivers.
Luckily, there was no single law enforcer nor a policeman roaming around. Had there been, such incident would not let pass unnoticed. Those group would definitely be a good catch to test the law, Well, good for them.

Smoke Belching

I drove early to Polangui, Albay just this morning for some errands. While driving, I opened my front car windows to enjoy the cold and fresh air coming in. Suddenly, a rickety passenger bus passed me by and to my dismay, it literally made me ate its smoke.

A huge amount of thick smoke almost blinded my direction ahead and worse, some even entered in my car. I immediately pulled over for such incident did not just make my vehicle smell filthy but also irritated my eyes, made me sneeze continuously and even made me cough out. I instantly got my cellphone to take picture of the bus but it was too late - it was already too far for a good shot.

It is the State's policy to protect and advance our right to a balanced and healthful ecology, to attain and maintain a balance between development and environmental protection, and to maintain a quality of air that protects human health and welfare.

Under the Clean Air Act of 1999, the Department of Transportation and Communication (DOTC) through the Land Transportation Office (LTO) shall conduct a roadside inspection of vehicles found emitting excessive smoke while operating in any public highway.

But I haven't seen such authority doing so. If what happened was by chance, well then, i wasn't lucky enough to totally enjoy the fresh air and wonderful environment in the early hours of the day.

Mortgage Redemption Insurance (MRI)

My salesperson informed me one day that our client for a house and lot in Camella Naga died while still paying the property under bank financing. The bereaved family was clearly facing foreclosure problem for the burden of continuing the payment of the property was transferred to them - the spouse is a plain housewife with no other source of income and worse, the children are still minors attending elementary schools.

We contacted the concerned bank to inform them of the situation and to ask for some necessary steps in helping the grieving family.

We found out that the loan was secured by a Mortgage Redemption Insurance (MRI). It is a non-life insurance required by a bank to repay the balance on a mortgage loan in case the mortgagor dies before payoff.In other words, the property is already paid because of the MRI.

We immediately informed the surviving spouse of the good news that their property is already paid. Jumping almost endlessly, the wife could not contain her happiness that she already forgot my request for a glass of cold water.

It really pays to insure not just our life from accident or natural death, but also our property especially if it is still under installment scheme for we never know our financial condition in the future.

The Drunk And Drugged Driving Law

Reminders:
  1. A deputized law enforcement officer can only flag down a vehicle and ask a driver to undergo a sobriety test if there is a traffic offense.
  2. If there is enough evidence to show that the driver is under the influence, they will be given a field sobriety test and an alcohol breath analyser test.
  3. The test will be conducted to assess and determine the driver’s intoxication, and it will consist of a horizontal eye test, a walk-and turn test, and a one-leg stand.
  4. Only when the driver fails the sobriety test will they be required to undergo a breathalyzer test to analyze their blood alcohol level.
  5. Drivers of public utility vehicles must have a blood alcohol level of 0.0 percent, while regular drivers must have a concentration level below 0.05 percent.
  6. Those who passed the test will only be sanctioned for their traffic offense, whereas those who failed will be arrested and have their vehicles impounded.
  7. Violators will be penalized with a fine of P20,000 to P500,000; or a minimum of 3 months to a maximum of 20 years imprisonment.
  8. A non-professional license holder will be given a 12-month suspension for the first offense, and permanent revocation for the second offense. 
  9. A professional license holder will be subject to permanent revocation on their first offence.

Seminar Ahead

Foreclosure Seminar

Ten Tips: Driving Tips In Metro Manila

1. Wear your seatbelt.
Aside from the fact that being caught not wearing one is an offense to the country based on R.A. 8750, it is also a highly proven deterrent to further bodily injuries when accidents happen. Seatbelts prevent our bodies from being thrown towards the dashboard and windshield when sudden collissions and road mishaps happen. Let us not make the traffic enforcers apprehend us to be reminded to wear one.
2. Be mindful of your route/always have a map with you.
Street maps and early preparations are a driver's best friends. Do not go out driving in the metro not know how to get to your destinations. You should first research or look for a map/route guide to see how far, how long, and how difficult your travel will be. Here in Metro Manila Directions, we provide sufficient routes for drivers on each article via our "for private vehicles" section.
3. Take note of number coding days.
Knowing number coding is as basic as learning A-B-C for toddlers. Always remember on what day your vehicle cannot be used based on the MMDA number coding scheme and city ordinances and just commute. If you do not know how to get into your destination by commute, just contact us on our feedback page or email us at feedback AT metromaniladirections.com. We respond really fast.
4. Adhere to basic traffic rules.
Stop at the red light. No swerving. No U-Turn. One Way. No Entry. Stick to your lane. Pedestrians first (at ALL times). Respect bicycle lanes. Don't drive on the yellow lane in EDSA. No blowing of horns. School Zone. No Parking. No loading/unloading.
5. Use your signal lights when turning.
We super hate drivers who just swerve or turn without using their signal lights. It is a basic feature of a vehicle and must therefore be used at all times. This is not just to caution the driver behind you that you are changing lanes or turning but also helps that driver to avoid accidentally hitting your vehicle. If you don't use your signal light, you will always be on the losing end.
6. Gas stations are like safety pit stops.
If you get lost or would just like to rest, head on for the next gas station that you find. This gas station is your safety net especially when driving at night. Do not just stop in the middle of the road - patrol cars might apprehend you or bad people might take advantage of your vulnerability.
7. Respect the law then the traffic enforcers.
If the traffic enforcers feel that you are the type of person who would give in to bribery, they will just extort you; follow the law, ask for your offense and explain (argue if you must) only if the enforcer erred in catching you. If not, just hand in your license, remember the enforcer's name and get your ticket. There is one in a million chance that you'll be caught again in the next year or so. Pay your fine and just take note of that offense next time you drive in that area. Arguing further will just make you lose precious time and ruin your day, and resorting to bribery will just make you lose money and ruin your conscience.
8. Avoid buses, trucks, and jeepneys.
Buses, especially ordinary buses, are known to be running faster than expected so the collision's effect is tremendous when it happens. Trucks, on the other hand, usually carry full loads and will not be able to stop abruptly if they're about to hit you. A little swerve from either of these can cause your smaller vehicle to fly. Jeepneys would stop whenever it wants so avoid speeding on the lane where it is passing by or else you won't be able to notice if it stops or not (usually they're rear stop lights are busted).
9. Precautionary tools are a must.
Make sure you have the following: spare tires; emergency reflectors (those triangle signs you use when you get stuck on the road); at least two contact numbers of towing or assistance agencies; number at home, office, and police station; a bottle of water; a photocopy of your official papers; street map; umbrella, and a piece of rug or cloth. These items will be helpful as the need arises. Just make sure you all have them.
10. Avoid distractions.
Loud music, texting, answering calls, and getting something from your bag are just examples of distractions. Avoid these at all cost, especially when you are traversing hi-ways with heavy traffic. Of course, even deserted-looking streets can surprise you - what if a kid suddenly crosses the street? Be aware of your surroundings more than yourself.
P.S. Once you've followed the ten tips above, the next thing for you to master is how to drive defensively.
The basic rule is this: when driving, you should have the mindset (true or not true) that most, if not all, drivers around you will be stupid, reckless, and disobedient.
They will try to cut lanes, turn without signaling, beat the red light, stop whenever they want, etc. So, the best thing for you to do is to be mindful of your surroundings.
Another note: If there is one place in Metro Manila where drivers would think more than twice before visiting, that would be Makati.
The city is known to have very strict implementation of traffic rules and ordinances. A very concrete example is the number coding scheme.
The general provision states that vehicles whose plate numbers are prohibited on a certain day is permitted to be on the road from 10am-3pm (as window hour); in Makati, there is no such thing. One has to really commute going to the city if he or she can't wake up early and go there before 7am. The city is also plagued with one-way streets which serves as one of the major reasons for being apprehended and the license being confiscated.

Where Will The Benefits Go?

After just a few years of being legally and happily married, My cousin Maria from Sorsogon and her husband decided to separate ways without the benefit of a court order. For several years they lived without any help from each other. One day, my cousin learned of her husband's death through the obituary section of a certain local newspaper. Knowing that the deceased was once an active SSS member, she filed death claims with the Social Security System. Unfortunately, her claim was denied. 

Being a shy type person, she did not ask further explanation behind the denial. Through facebook, she narrated the incident and asked for some enlightenment.

This case is similar to the one resolved by Atty. Persida Acosta in her column wherein the person was also facing the same problem as to whether or not she was entitled to the death benefits of her deceased husband who was a member of the SSS. She and her deceased spouse were also separated in fact; were living independently but had no children.

The good lawyer explained that Insofar as the law is concerned, the primary beneficiaries of a member are the ones entitled to death benefits (such as pension) or his secondary beneficiaries in the absence of the former for the lump-sum amount. However, it further provides that for a spouse to be qualified as a primary beneficiary, she must prove the following:
  1. She must be the legal spouse;
  2. She is dependent to the member-spouse for support. 
Since Maria had been living independently from her husband, she lacked the second requirement which cause the denial of her claims just like what happened to the analogous case mentioned.

The secondary beneficiaries under the law are the dependent parents or in their absence, the person designated by the deceased-member. But they cannot be entitled to the death benefits unless they are designated as secondary beneficiaries.

Maria had no children and had been living separately and independently from the deceased-member. The deceased-member did not provide for his secondary beneficiaries. Now then, where will the benefits go?

Since there is no one entitled for the benefits, It will be escheated in favor of the Government.

Your Spouse or Your Child?

If you are with your spouse and child in a banca and the banca capsizes, who will you save first?

This is the usual challenge question to either of the married couple who usually answers that he or she prefers to save the child.

But a priest who is a friend of mine tells me that it should be the spouse.

Why? Because, he or she is the one whom you have promised before the Lord during marriage to be and stay with till death and the child is just the product of your love. But if you can save both, then, that's better.

What if you no longer love your spouse and that situation happens? Well, that's open to our discretion. Lol.

Awarding Again, Soon.

My realty for the past three consecutive years has fought side by side with big corporations in sales competitions. We may be landing third in every yearly awards always, but it is not the ranking and the kinds of award that matter - it is how our painstaking effort is recognized, our contribution to sales growth is appreciated, and our time with the company is valued. 

It is not the number of salespersons, but their resourcefulness and effective marketing strategies that count, which are at par and as competitive as other topnotched sales entities.

It is not by the number, but by the quality of salespersons that weighs - a small number they may be, but their prowess and skills cannot be underestimated.

We serve clients to the best of our knowledge and skills, satisfactorily if not excellently - not leaving them until questions are answered, problems are addressed, and everything is settled.

We don't just get clients just to satisfy our quotas, but we get them with the assurance that they are qualified financially and well-decided finally in choosing their best homes imagined.

We at Vista Isarog Realty, good realty service is our business - Always.