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Author Topic: sino na nakapag Housing Loan?  (Read 34524 times)

mommy darling

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sino na nakapag Housing Loan?
« on: December 08, 2011, 06:57:47 pm »

Hi mga Mommies..meron ba sa inyo nakapag housing loan na dito thru bank? ano ba affordable na terms? how was your experience? nahirapan ba kayo? na release ba agad? saan sila particular?

thank you! :)
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violet.crumble

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Re: sino na nakapag Housing Loan?
« Reply #1 on: December 09, 2011, 02:44:25 pm »

Hi sis!  We applied for housing loan just recently.  Mga as early as May nagka-canvas na ko for best interest rates and highest loan amount.  Find out din yung rates sa MRI (mortgage redemption insurance, ito yung babayaran mo na insurance per year para in case may mangyari sayo, considered bayad na yung remaining balance mo pa).  I just checked the websites of the different banks and called din their hotline numbers.  Pero sis, better if you go straight to the branch near you and coordinate sa loan officer nila.  Mas makakapag-negotiate ka kasi pag personally ka mag-inquire.  Like kami, na-negotiate namin na 90% of the total contract price ng condo namin yung i-loan kahit na paid na ang 20%.  We planned to use the additional 10% kasi to buy a parking space.  Tapos na negotiate din namin na thru manager's check yung 10% na pang parking para ma-deposit muna namin sa personal account.  Na negotiate din namin na wag na mag-open ng account sa kanila (hindi kasi sila yung bank namin) and instead pay the monthly amortization by PDCs na lang.  Don't be afraid magnegotiate kasi gusto ng mga bank magpa-loan because that's how they earn. Saka nalaman ko na yung mga loan officer, may quota sila ng mga mapa-loan so they will be willing to negotiate para lang ma-close yung deal.

By mga August, decided na kami which bank to loan from so we filled out forms, prepared mga requirements.  We chose yung terms na fixed for 5 years.  Kasi advise nung kausap namin, mas mababa relatively ngayon ang interest rates so better na i-fix mo yung term para din assured ka na kung magkano budget mo per month para sa amotization.  Pag 10 years naman kasi parang sobrang tagal and baka naman after 5 years, biglang baba yung interest rate, sayang naman kung nakapako ka na sa fixed for 10 years.  So pinili na namin yung fixed for 5 years.

Yung requirements depende sa kung para san yung loan mo.  In our case, for condo, so humingi sila ng mga fire insurance certificate, mga statement of account namin sa developer to show kung magkano na nahulog namin and kung magkano na lang yung balance namin, yung contract to sell, mga certificate from your employer stating how much ang salary nyo, BIR forms, etc.  Nung complete na, we submitted everything na tapos may pumunta para mag-appraise nung condo unit namin.   By mga september or october, we were told na approved na yung loan namin so we were asked to go to the bank para magsign ng sangkatutak na papeles.  Mga contract saka mga authorization letter.

Tapos by november, na-release na yung loan proceeds tapos nitong december yung unang amortization namin sa kanila.

Generally, maganda naman ang experience namin sa pag-loan.  Particular lang sila sa pagpakita mo ng proof of ability to pay saka syempre dapat complete ang requirements mo.

hope this helps!
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mommy irene

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Re: sino na nakapag Housing Loan?
« Reply #2 on: December 09, 2011, 03:47:54 pm »

hello, medyo OT ata pero gusto ko din sana mag avail ng housing loan through PAG-IBIG.. problem is, may existing calamity loan ako a year ago.. if ever ba mag apply ako ng loan, do i need to settle it ba muna (previous loan) bago ako payagan OR puwede pa din ako mag loan even if i have a existing pa..


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nikgel

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Re: sino na nakapag Housing Loan?
« Reply #3 on: April 18, 2012, 12:55:22 pm »

hello, medyo OT ata pero gusto ko din sana mag avail ng housing loan through PAG-IBIG.. problem is, may existing calamity loan ako a year ago.. if ever ba mag apply ako ng loan, do i need to settle it ba muna (previous loan) bago ako payagan OR puwede pa din ako mag loan even if i have a existing pa..

hi sis.nung nagpag-ibig housing loan kami last year hindi deducted yung salary & calamity loans namin.iba daw yun sis kasi hindi housing related.
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MommyPupu

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Re: sino na nakapag Housing Loan?
« Reply #4 on: April 25, 2012, 08:35:00 am »

we got our housing loan from BDO - one of the partner banks ng Camella. For as long as na okay mga requirements mo, madali lang ang processing. We have the option to choose the fixed rate or prevailing rate, and we opt for the latter.
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hanne

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Re: sino na nakapag Housing Loan?
« Reply #5 on: May 03, 2012, 10:55:18 pm »

partner ng developer ng townhouse na nakuha ko ang metrobank. so medyo bawas ako sa mga paglalakad. nagpunta nalang ako nung ready na akong pumunta pero developer na naglakad ng lahat. they just asked me if i want to open an account sa metrobank for autp debit sa bayad ko (which i choose) or issue checks. napagod na ako mag issue ng chek kase ganun ginawa ko for the DP, 18 PDC, nakakapagod pumirma and mag-record.  :P
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alymme

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Re: sino na nakapag Housing Loan?
« Reply #6 on: July 26, 2012, 01:26:27 pm »

hi, i'm working sa real estate.. if you want i can give you a copy of the leading bank's interest rates for housing loan then bahala ka na mag compare kung alin ang mas convenient para sa yo.

Mom Mye
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trishevil

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Re: sino na nakapag Housing Loan?
« Reply #7 on: July 26, 2012, 01:40:34 pm »

^ano requirements para sa PAG-IBIG HOUSING LOAN?
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BlueAby

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Re: sino na nakapag Housing Loan?
« Reply #8 on: July 26, 2012, 05:02:00 pm »

@sis alymme pa-pm naman po sa akin yung interest rates ng mga banks. Thanks in advance
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alymme

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Re: sino na nakapag Housing Loan?
« Reply #9 on: July 28, 2012, 08:33:25 am »

ok sige prepare ko lang email ko sa yo
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dmnq

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Re: sino na nakapag Housing Loan?
« Reply #10 on: March 10, 2013, 01:09:43 pm »

mas maganda ba mag loan thru bank or pag ibig?
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glam_mommy

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Re: sino na nakapag Housing Loan?
« Reply #11 on: May 18, 2013, 04:27:22 am »

Hi mga mommies ou there. I am an ofw from abu dhabi. May alam po ba kayong bank na nagaapprove ng personal loan for ofw. Both kami ng husband ko eh nandito sa uae and gusto sana naming magloan para sa 
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frankiedochie

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Re: sino na nakapag Housing Loan?
« Reply #12 on: August 08, 2014, 01:04:42 pm »

Mga sis, eto yung mga usual list ng requirements for housing loan

http://www.inforgrab.com/housing-loan-requirements/
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Mia Sandoval

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Re: sino na nakapag Housing Loan?
« Reply #13 on: May 05, 2018, 05:25:16 pm »

Ako po! Recently bought a housing unit in Porac Pampanga from BellaVita (https://www.facebook.com/BellaVitaLandCorp/)

Php400K lang yung overall price ng unit, so the loan application was very smooth.
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