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Susana Heights Village payment terms: discounts, monthly payments and total cost (2026)

Updated · By Tony Huang · Part of our guide to Susana Heights Village

Susana Heights Village lots are reserved with a non-refundable fee of ₱100,000 or ₱250,000, and the developer, SH Properties Joint Venture (SM Group), offers spot cash, 50% down with 50% over 12 months, or a 10% down payment with 10% to 20% spread over 24 to 60 months and the balance paid at the end in cash or through a bank loan. Discounts in 2026 ranged from about 30% for spot cash to 5% for five-year terms. Every scheme adds 12% VAT and other charges of 5% of the net price. A 280 sqm lot on the five-year scheme meant about ₱32,500 a month in November 2026.

Reservation fee
₱100,000 (280–376 sqm lots) or ₱250,000 (500 sqm and up), non-refundable
Spot cash discount
20% + 10% (Aug 2026); 20% + 10% + 3% (Oct 2026)
50% spot, 50% over 12 months
18% + 5% discount
10% spot, 20% over 24–60 months, 70% balance
From 15% + 5% (24 months) to 5% (60 months)
10% spot, 10% over 60 months, 80% balance
5% discount
When the down payment is due
One month after reservation
Balance
At the end of the term, in cash or through a bank loan
Added to every scheme
12% VAT, and other charges of 5% of the net price before VAT

The payment schemes

The developer of Susana Heights Village, SH Properties Joint Venture (an SM Group company), offered these schemes in its 2026 quotations. All start with a non-refundable reservation fee, and the down payment is due one month after reserving.

Scheme How you pay Discount (2026)
Spot cash 100% one month after reserving 20% + 10%; plus 3% in October 2026
50/50 50% one month after reserving, 50% over 12 months 18% + 5%
10/20/70, 24 months 10% down, 20% over 24 months, 70% balance 15% + 5%
10/20/70, 36 months 10% down, 20% over 36 months, 70% balance 10% + 5%
10/20/70, 48 months 10% down, 20% over 48 months, 70% balance 5% + 5%
10/20/70, 60 months 10% down, 20% over 60 months, 70% balance 5%
10/10/80, 60 months 10% down, 10% over 60 months, 80% balance 5%

Discounts are applied one after the other, so “20% + 10%” means 28% off the list price, and “15% + 5%” about 19%. The developer’s April 2026 project brief also lists slightly different standard terms for lots of 700 sqm and above (for example 10% down, 30% over 42 months and a 60% balance), so ask which schemes apply to the lot you like.

What each scheme costs: one lot, seven ways

The clearest way to compare is one lot paid seven ways. In August 2026 the developer quoted a 550 sqm prime lot in Village 6 at a list price of ₱43.66 million before VAT:

Scheme Total contract price Down payment (incl. reservation) Each monthly installment Balance at the end
Spot cash ₱36.78M ₱36.78M — —
50/50 over 12 months ₱39.79M ≈ ₱19.0M ≈ ₱1.59M —
10/20/70, 24 months ₱41.24M ≈ ₱3.95M ≈ ₱329,000 ≈ ₱29.4M
10/20/70, 36 months ₱43.67M ≈ ₱4.18M ≈ ₱232,000 ≈ ₱31.1M
10/20/70, 48 months ₱46.10M ≈ ₱4.41M ≈ ₱184,000 ≈ ₱32.9M
10/20/70, 60 months ₱48.52M ≈ ₱4.64M ≈ ₱155,000 ≈ ₱34.6M
10/10/80, 60 months ₱48.52M ≈ ₱4.64M ≈ ₱77,400 ≈ ₱39.2M

The balance figures include the other charges, which fall due with the balance. The gap between paying cash and taking five years was about ₱11.7 million on this lot, or 32% more. If you have the cash, spot payment is by far the cheapest; if you plan to borrow for the balance anyway, compare the bank’s interest with the discount you give up.

Smaller lots: what the monthly payments look like

The smaller Village 3B lots make the five-year schemes more affordable. On the 10% down, 10% over 60 months and 80% balance scheme (5% discount), the developer’s November 2026 quotations came to:

Lot Total contract price Down payment a month after reserving Monthly for 60 months Balance at the end
280 sqm prime lot, Village 3B ₱20.36M ≈ ₱1.85M (after the ₱100,000 reservation) ≈ ₱32,500 ≈ ₱15.6M + other charges ≈ ₱0.87M
376 sqm prime lot, Village 3B ₱27.34M ≈ ₱2.52M (after the ₱100,000 reservation) ≈ ₱43,600 ≈ ₱20.9M + other charges ≈ ₱1.17M
500 sqm prime lot, Village 6 ₱44.11M ≈ ₱3.97M (after the ₱250,000 reservation) ≈ ₱70,400 ≈ ₱33.8M + other charges ≈ ₱1.89M

VAT and other charges

  • 12% VAT is charged on the discounted price and is included in every down payment, installment and balance.
  • Other charges are 5% of the discounted price before VAT. On cash purchases they are due with the down payment; on installment schemes, with the balance. The quotations do not itemise them, so ask what they cover for your lot (for example title transfer and registration).

Paying the balance with a bank loan

Most buyers on the installment schemes pay the 70% or 80% balance with a bank loan. Banks lend on vacant lots, but less than on a house and lot:

Bank Vacant lot loan Term Published rates
BDO Up to 70% of appraised value Up to 10 years Not published
Metrobank Up to 80% of value Up to 10 years 7.625% (1-year fixed) to 8.75% (5-year fixed)
RCBC 30% down payment (about 70% loan) 1 to 20 years Not published

Figures are from the banks’ own pages (BDO’s table is dated March 2023, RCBC’s terms April 2026, Metrobank’s undated) and change often. Two practical consequences:

  • Match the scheme to the loan. If your bank lends 70%, the 10/20/70 schemes leave a balance the loan can cover; on the 10/10/80 scheme you would need to fund the extra 10% yourself.
  • Apply early. Get pre-approved well before the balance falls due; the appraisal of a lot can come in below the contract price, which lowers the loan.

Pag-IBIG raised its maximum housing loan to ₱10 million per borrower in May 2026, which covers only part of a Susana Heights balance; ask the Fund whether your lot purchase qualifies.

Taxes and fees on a lot purchase

  • 12% VAT applies to the sale of a residential lot by a developer whatever its price: the VAT exemption for low-priced lots ended in 2021, and the remaining exemption covers house-and-lot units up to ₱3.6 million, not lots (BIR Revenue Regulations No. 1-2024).
  • Documentary stamp tax of 1.5% is due on the deed of sale, computed on the highest of the selling price, the BIR zonal value (₱18,000 per sqm in Susana Heights) and the assessor’s fair market value (BIR Form 2000-OT).
  • Local transfer tax of up to 0.75% of the price, the cap for Metro Manila cities under the Local Government Code; confirm Muntinlupa’s rate with the City Treasurer.
  • Registration fees at the Registry of Deeds, on a graduated schedule.
  • No capital gains tax: a developer sells lots as ordinary assets, so the 6% capital gains tax does not apply; the developer’s withholding tax is its own income tax.

Developers usually collect the documentary stamp tax, transfer tax and registration costs through their “other charges”; ask the developer to confirm in writing what the 5% covers for your lot.

Budget for the house too

A lot is only the start. The Philippine Statistics Authority’s building-permit data put the average value of new residential construction at about ₱12,000 per sqm in December 2025 (Daily Tribune, February 2026), but permit values understate real costs: builders quote roughly ₱35,000 to ₱50,000 per sqm for a mid-range house in 2026 (Listd). Ask the village for its design guidelines and any deadline to start building before you choose a lot.

Practical points

  • Quotations are valid for the date printed on them; discounts and promos change, and the developer may change prices and terms without notice.
  • The reservation fee is non-refundable, so choose the lot and scheme before you reserve.
  • Checks are made payable to SH Properties Joint Venture.
  • If you will need a bank loan for the balance, get pre-approved well before the balance date.

For lot prices by type and size, see Susana Heights Village lot prices per square metre. For a computation on a specific lot, call or WhatsApp 0917 527 0036.

Frequently asked questions

How much is the reservation fee at Susana Heights Village?

In our October and November 2026 quotations it was ₱100,000 for the 280 and 376 sqm lots in Village 3B and ₱250,000 for lots of 500 sqm and more. It is non-refundable and is deducted from the down payment.

What discount do I get for paying cash?

In August 2026 spot cash came with a 20% standard discount and a 10% early-booking discount, about 28% off the list price. In October 2026 the developer added a 3% additional discount, about 30% off in total. You pay the net price, VAT and other charges a month after reserving.

Can I pay a Susana Heights Village lot in installments?

Yes. You can pay 10% down a month after reserving, then 10% or 20% of the price in monthly installments over up to 60 months, and the remaining 70% or 80% at the end of the term, in cash or with a bank loan. There is also a 50% down payment option with the other 50% spread over 12 months.

How much is the monthly payment?

It depends on the lot and the scheme. On the 10% spot, 10% over 60 months and 80% balance scheme in November 2026, a 280 sqm lot meant about ₱32,500 a month, a 376 sqm lot about ₱43,600 and a 500 sqm Village 6 lot about ₱70,400, each for 60 months, before the balance at the end.

Is there interest on the installments?

The developer's quotations show no interest on the monthly installments; instead, longer terms get smaller discounts. On a 550 sqm lot in August 2026 the total contract price was ₱36.78 million for spot cash and ₱48.52 million on the 60-month scheme.

What are the other charges?

The developer's quotations add other charges of 5% of the discounted price before VAT, payable with the down payment for cash buyers and with the balance on installment schemes. Ask the developer what they cover for your lot, such as title transfer and registration.

Can I get a bank loan for the balance?

Yes, most banks finance vacant residential lots, but on stricter terms than house and lot. BDO's published terms allow up to 70% of the appraised value over up to 10 years, Metrobank up to 80% over up to 10 years, and RCBC requires a 30% down payment with terms of up to 20 years. On the 10/10/80 scheme the balance is 80% of the price, so a bank that lends 70% will not cover all of it; the 10/20/70 schemes fit bank financing better.

When do I pay the balance?

On the installment schemes the 70% or 80% balance, together with the other charges, falls due a month after the last monthly installment. You can pay it in cash or apply for a bank loan in time for that date.

More about Susana Heights Village

Ask about Susana Heights Village

Call or WhatsApp 0917 527 0036 for a current computation and the lots still available, or send us your details.

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Written by Tony Huang, reviewed by Lionunion sales team · First published 9 November 2026, updated 9 November 2026. Prices, discounts and terms change; ask us for the latest figures.

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