Hi! I just wanted to ask The property I'm availing is priced at 3.4m Tapos we are discouraged to loan sa PAG-IBIG may loan difference raw sa amin if mag-aavail kami nang loan sa kanila. Is this true Jireh? We're paying 23k for 15 months equity before we can take out the loan
regarding the 30% rule, sir. If lalagpas na sa 30% but different banks naman po ikaw mag loloan, nagkakasilipan pa din ba kahit different yung unang bank na pinagloanan at ikalawang bank na pag loloanan?
Yes po maam. Kasi may centralized system yung mga local banks kaya kahit na sa loans or credit card deliquencies, nakikita nila na may bad record ka using their centralized system
Thank you for the very informative explanation! 😊 may I ask po regarding the basis of salary requirement. I’m an OFW who’s total compensation is composed of basic salary and allowances. Macoconsider din po ba yung allowances sa salary requirements?
Sir for house construction loan pag sa bank. Pwede ba bagsakan ung principal pag may pera para bumaba ung computation ng years to pay at interest tulad nung kay pag ibig?
Yes pwede din sir yun sa bank. Usually nag aallow sila every anniversary mo. For example, July 24, 2023 ka nagstart mag monthly amortization sa kanila, pwede ka mag advance to principal on August 24, 2024 :). Difference ay sa banko, every anniversary or 12th month ka lang pwede magadvance to pricipal. For pag ibig, anytime :)
Sir question po ulit hehe. In your opinion po which is better mag loan for construction of house, si pag-ibig po ba or si bank? short po kasi kami sa budget kaya natigil muna ung pag papagawa at gusto ko po sana masundan ulit ung pag papagawa kasi iba po ung feeling na naka pag umpisa kana at gusto matapos ung project. Btw im ofw po.
@@patrickabad1195. I highly suggest na mag inquire kayo both (pagibig and banks) para mas makita nyo who can give you the best deal :) Sometimes kasi, may mga promo yang mga banks na baka better yung offer sa pag ibig. Pwede sya online and walang charge :) please contact me thru 0927-185-1590 so I can help you connect with bank officers :)
Nice ganda po ng video nyo po. Question po: 1 - pwede po ba more than 1 co borrower? Me and my father and mother. 2 - Sa pag ibig po pwede mag advance payment sa principal. Pwede din po ba sa bank? Mag advance payment sa principal? Thank you po
1. Yes po pwede po ang maximum of 3 sa title as far as I can remember :) 2. Yes pwede mag advance to principal sa pag ibig anytime but for banks, every anninversary mo lang :)
