PMT Forum

News: :thumbsup2 Join 30,000+ fans of the PMT Facebook page! Like! Like! Like! :thumbsup2

Search Money Investments
Shortcut to PMT Forum topics!

Click LIKE, TWEET or +1 to earn PMT Badges!

Author Topic: Pag-IBIG Housing Loan  (Read 163851 times)

Offline nailbiter

  • Alalay ng
  • Moderator
  • *
  • stop'n grow helps
    • Awards
Pag-IBIG Housing Loan
« on: Nov 26, 2006, 08:55 AM »
  • Publish
  • Sa mga nagpaplanong mamili/magpatayo ng bahay:

    Pag-Ibig cuts housing loan rates
    By Cynthia Balana
    Inquirer
    Last updated 02:12am (Mla time) 11/26/2006

    Published on page A4 of the November 26, 2006 issue of the Philippine Daily Inquirer

    FOR THE SECOND TIME THIS YEAR, THE Home Development Mutual Fund, popularly known as Pag-Ibig Fund, has cut the interest rates on its housing loan packages to as low as six percent to make them even more affordable to low-income members.

    The rate reduction has been approved by the Pag-Ibig Fund board of trustees chaired by Vice President Noli de Castro.

    “This is our early Christmas gift to the minimum wage earners and government workers,” De Castro said, adding that the new interest rates would have the biggest effect on housing loan packages valued up to P500,000.

    De Castro, chair of the Housing and Urban Development Coordinating Council (HUDCC), said that loan packages up to P300,000 will now have an interest rate of 6 percent, down from 9 percent.

    The interest rate for loans from P300,000 to P500,000 will also drop from 10 percent to 7 percent.

    Loans from P500,000 to P1 million which previously carried an interest rate of 11 percent will now be at 10.5 percent while those over P1 million up to P2 million will have lower rates from 12 percent to 11.5 percent.

    All housing loan packages will now have a maximum term of 30 years. Under the old guidelines, loans over P750,000 up to P2 million had a maximum payment period of only 20 years.

    full story here
    MP3: Musikang Pinoy Plus, Palabas![/url] A Concert for a Cause
    26 October 2008, Sunday, 3pm, Philamlife Theater

    Offline happykill

    • Posting Guru
    • ***
    • Gender: Male
    • fishing escapades
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #1 on: Nov 26, 2006, 02:08 PM »
  • Publish
  • thanks for the info nail

    Offline p!nk

    • Forum Tambay
    • ***
    • Gender: Female
    • Naruto Fan
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #2 on: Nov 26, 2006, 02:32 PM »
  • Publish
  • yep, i learned about this yesterday also when i attended their housing loan seminar
    People live their lives bound by what they accept as correct and true. That's how they define reality. -Uchiha Itachi-

    PMT Forum

    Re: Pag-IBIG Housing Loan
    « Reply #2 on: Nov 26, 2006, 02:32 PM »


    * * * * * sponsored links * * * * *

    Offline annanymous

    • Anonymous
    • Moderator
    • *
    • Start small. Dream big. Never say die.
    • Awards Member since 2006 Stocks Superstar Chikador / Chikadora
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #3 on: Nov 26, 2006, 07:14 PM »
  • Publish
  • Wow ok 'to ah. Tamang-tama gusto ko pa namang mag-loan. Gaano ba katagal before ma-grant ang loan? Alam ko kasi pag may broker (yung mga agent na nagbebenta ng house/lot sa mga subdivisions) mas madaling ma-approve. Eh paano kung ako lang mismo.

    @pink, anong na-discuss sa seminar?

    Earn passive income!!! Click here for details. PM me for questions.

    Offline p!nk

    • Forum Tambay
    • ***
    • Gender: Female
    • Naruto Fan
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #4 on: Nov 26, 2006, 07:42 PM »
  • Publish
  • ^anna, diniscuss yung types of loans, requirements, processing time, fees, releasing of loans (staggered ba or one-time), mga buy-back policy, etc... according to them, madali lang daw maapprove yung sa mga residential house and lots na meron talagang developers esp. if may buy-back guarantee.
    People live their lives bound by what they accept as correct and true. That's how they define reality. -Uchiha Itachi-

    Offline annanymous

    • Anonymous
    • Moderator
    • *
    • Start small. Dream big. Never say die.
    • Awards Member since 2006 Stocks Superstar Chikador / Chikadora
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #5 on: Nov 26, 2006, 07:52 PM »
  • Publish
  • ^Thanks p!nk. :) Ganon pala yon. Ayaw kasi naman sa may mga developers kasi ang lalayo. Usually sa Cavite, Bulacan, Laguna at Rizal ang location. Gusto kasi namin dito lang sa Metro Manila.
    Earn passive income!!! Click here for details. PM me for questions.

    Offline FutureGizmo

    • Admin
    • *
    • Bazinga!
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #6 on: Nov 26, 2006, 08:37 PM »
  • Publish
  • Around 1-2 months (from the time of application) pede nang ma-release yung loan mo basta kumpleto requirements mo.

    Nung umuwi ako last summer, umattend ako ng seminar nila kasi balak ko mag-loan para sa bahay na papagawa ko sana sa probinsiya. Ok naman yung seminar, very informative, pero turned off nga ako sa idea na never maa-adjust pababa ang interest rate ng loan mo. So kung naapprove loan mo, say, for 10 years at 11.5% (actual rate nung nag-seminar ako), kahit mag-revalue ang Pagibig at binaba to 10.5% (tulad nang nangyari ngayon), 11.5% pa rin for the next 10 years ang babayaran mo. Kainis yun, para kang nalugi. Kaya nde ko na lang tinuloy yung pag-loan sa Pagibig.
    30,000+ fans on PMT Facebook page! Thank you!
    :b_hi: Click here to Like PMT on Facebook now!

    Offline annanymous

    • Anonymous
    • Moderator
    • *
    • Start small. Dream big. Never say die.
    • Awards Member since 2006 Stocks Superstar Chikador / Chikadora
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #7 on: Nov 26, 2006, 08:47 PM »
  • Publish
  • ^Ang tagal pala. So dapat kung maglo-loan ako, ngayon na kasi malamang next year pa ma-approve. Ang problema ko lang talaga wala pa kong mahanap na location.
    Earn passive income!!! Click here for details. PM me for questions.

    Offline FutureGizmo

    • Admin
    • *
    • Bazinga!
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #8 on: Nov 27, 2006, 09:09 AM »
  • Publish
  • Kung may developer nga yung location mo (ie., subdvision, etc.) mas madali makumpleto yung requirements kasi sa kanila na manggagaling yung documents na kailangan. Kung sarili mong lakad, baka tumagal yung process kasi ikaw mismo magaayos ng kung anu-anong dokumento tulad ng sa Meralco, sa tubig, blueprint ng bahay, etc. Ngayon pa lang anna alamin mo na yung mga kelangan para masimulan mo na yung process. Yung nabanggit ko nga pala 1-2 months from the time of application pero baka nga tumagal pa yung process kasi bago mo masubmit yung requirements ay mahaba-habang lakarin din.
    30,000+ fans on PMT Facebook page! Thank you!
    :b_hi: Click here to Like PMT on Facebook now!

    Offline maaku

    • Moderator
    • *
    • Gender: Male
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #9 on: Nov 27, 2006, 09:29 AM »
  • Publish

  • So kung naapprove loan mo, say, for 10 years at 11.5% (actual rate nung nag-seminar ako), kahit mag-revalue ang Pagibig at binaba to 10.5% (tulad nang nangyari ngayon), 11.5% pa rin for the next 10 years ang babayaran mo. Kainis yun, para kang nalugi. Kaya nde ko na lang tinuloy yung pag-loan sa Pagibig.


    Pero pabor naman sa iyo kung tumaas ang rate :)

    Offline p!nk

    • Forum Tambay
    • ***
    • Gender: Female
    • Naruto Fan
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #10 on: Nov 27, 2006, 09:31 AM »
  • Publish
  • FG, sa pagkakaintindi ko sa seminar you can pay in advance or pwede na yung sobra na ibabayad mo per month dun mo ibayad sa principal... yang 2nd option ang nirecommend sa friend ko pati na sa mama ko.
    People live their lives bound by what they accept as correct and true. That's how they define reality. -Uchiha Itachi-

    Offline Wynn

    • Posting Guru
    • ***
    • Gender: Male
    • Taipei 101 World's Tallest Building 台北101世界最高
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #11 on: Nov 27, 2006, 09:42 AM »
  • Publish
  • anna kung ayaw mo mag lakad nang mga documents, yun nga meralco, tubig, blue prints nang bahay mag budget ka mga 18K, wala ka nang gagawin mag hintay ka na lang.  eto kasi ginawa nang brother ko naghanap lang sya nang licensed engineer/architect na may office at don nya pinagawa.  included na dito design/layout nang bahay basta lahat na requirements sa pagpapatayo nang building gawa na nila tapos mga less than one month lang hintay mo kasi bilis nila gumawa.  prepare mo lang mga personal documents na kelangan like yung barangay clearance, tin parang eto lang ata.  

    ang tataas nang loan interest sa tin
    錢不是萬能但沒錢萬萬不能!

    Offline FutureGizmo

    • Admin
    • *
    • Bazinga!
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #12 on: Nov 27, 2006, 10:26 AM »
  • Publish
  • @maaku, nung time na nagseminar kasi ako gumaganda na ekonomya natin kaya sigurado akong bababa talaga ang interest rate. saka in the long run, expected talaga na bumaba ang interest rate kasi una sobrang taas ng 11.5% rate natin, sa ibang bansa one digit lang ang loan interest rate saka kapag tumaas pa ang 11.5% interest rate, ibig sabihin nun wala na talagang pag-asa ang Pinas at baka ma-Argentina.

    @p!nk, yes pwede nga yun, advisable talaga na kung may additional kang pambayad, bayaran mo agad yung principal para nde mag-balloon ang interest. Sobrang na-turn off lang ako sa taas ng housing loan interest rate, in around 10 years or so, mahigit doble na yung actual cost na nabayaran mo. Kung may pambayad ka, I suggest bayaran niyo na lang ng buo o kung kulang man, make sure na mabayaran mo agad yung principal para nde lumalaki nang lumalaki ang interest.
    30,000+ fans on PMT Facebook page! Thank you!
    :b_hi: Click here to Like PMT on Facebook now!

    Offline p!nk

    • Forum Tambay
    • ***
    • Gender: Female
    • Naruto Fan
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #13 on: Nov 27, 2006, 10:34 AM »
  • Publish
  • ^yep. that's what we're gonna do. yan rin kasi gagawin ng friend ko na nag-avail rin ng housing loan. actually, yung mom ko ang may inassume na property pero sa national homes. problem lang eh sa name ko inilagay and they need proof that i am eligible na kumuha ng housing loan in either pag-ibig or sss and required daw na mag-attend ng seminar. di naman ako ang magbabayad but i'll contribute na rin para mapadali yung pagbayad sa loan.
    People live their lives bound by what they accept as correct and true. That's how they define reality. -Uchiha Itachi-

    Offline annanymous

    • Anonymous
    • Moderator
    • *
    • Start small. Dream big. Never say die.
    • Awards Member since 2006 Stocks Superstar Chikador / Chikadora
      • Awards
    Re: Pag-IBIG Housing Loan
    « Reply #14 on: Jan 31, 2007, 06:21 PM »
  • Publish
  • Anong araw at time po yung seminar para sa housing loan? Gaano katagal? Balak ko sanang pumunta bukas. Pwede bang mag-loan kahit di sa akin nakapangalan yung lupa na papatayuan ng bahay?
    Earn passive income!!! Click here for details. PM me for questions.

    PMT Forum

    Re: Pag-IBIG Housing Loan
    « Reply #14 on: Jan 31, 2007, 06:21 PM »
    * * * * * sponsored links * * * * *

     

    Related Topics

      Subject / Started by Replies Last post
    1 Replies
    2268 Views
    Last post Jan 29, 2010, 10:30 AM
    by puzzlebox
    1 Replies
    1228 Views
    Last post Jul 08, 2012, 02:31 PM
    by vnsy
    13 Replies
    2161 Views
    Last post Sep 05, 2012, 08:13 AM
    by neptune
    1 Replies
    593 Views
    Last post May 23, 2014, 03:11 AM
    by kulatir


    * Recent Topics

    * PMT Shoutbox

    Refresh History
    • dugie: hello po sa mga trader dyan, tanong ko lang po kung bakit di na gumagana ticker ng broker kong firstmetrosec e updated naman ung java ko?
      Yesterday at 10:50 AM
    • jpm247: http://newsinfo.inquirer.net/622080/protests-mount-vs-aquino
      Jul 22, 2014, 11:53 AM
    • Wills: Link is not working
      Jul 22, 2014, 09:06 AM
    • superxfactor: sir Wills, ano po possible effect nito sa market price nya?link--https://ph6.colfinancial.com/ape/FINAL2_STARTER/xml/CompanyNews_nw.asp?varStock=sino&varNewsLink=327986
      Jul 21, 2014, 08:26 PM
    • sj.unite: george88, mukhang nakulangan ka ng comma diyan sa sentence mo. :P
      Jul 21, 2014, 08:24 AM
    • kiriyama: iba ung dating nung unang mga words "bestinpalawan yung asawa ng insan ko"  :hihi:
      Jul 20, 2014, 01:37 PM
    • george88: bestinpalawan yung asawa ng insan ko taga palawan y o y
      Jul 17, 2014, 08:23 PM
    • bestinpalawan: sino taga palawan dito???  ^_^
      Jul 16, 2014, 01:16 PM
    • Beannie: Ms. Kithe! :) sorry now lang naka ol uli.. I sent you mail. thanks for being so accomodating.  :hello:
      Jul 16, 2014, 12:50 PM
    • jmces: ingat kayo mga kapatid sa pinas
      Jul 16, 2014, 09:29 AM
    • yllor: Wednesday: no trading :harhar:
      Jul 16, 2014, 04:52 AM
    • Wills: Ang sarap sa zensho!!!!!
      Jul 15, 2014, 05:03 PM
    • kithe: Hi Beannie,
      Jul 15, 2014, 02:14 PM
    • ManilaBoy40: Tropical Cyclone Storm Warning Signal # 2 Now Hoisted Over the NCR Areas ...
      Jul 15, 2014, 02:05 PM
    • moto461: Germany beats Argentina 1-0 in World Cup final :winner:
      Jul 14, 2014, 05:40 AM
    • OMG.27: Israel already entered war in Gaza.. Muslim people are already insane for the bombardments in the Middle East. They didnt notice what is happening in Syria nowadays.
      Jul 13, 2014, 07:31 PM
    • Wills: http://m.youtube.com/watch?v=UnNsCmJuwro <------ Amazing!
      Jul 12, 2014, 11:15 AM
    • yoj77: thanks will.. sana sumagot na ung knausap ko... pray pray pray...
      Jul 12, 2014, 06:49 AM
    • yoj77: i'm totally stranger here. my family cud possibly help me nxt year pa. ayaw kong mtambkan ng utang. dpat my pumapasok na daily income, to cover for xpenses, and d the same time, cover paying depts.
      Jul 12, 2014, 06:46 AM
    • yoj77: salamat wills. pero kailangan ko lang laksan ang loob ko. ung interest na dnagdag ko, not too much, not too short. pnag icpan at pagaralan ko, but the question i guess, is there someone to trustme? cguro totally WALA.
      Jul 12, 2014, 06:40 AM
    • Wills: kaya sana pagisipan mong mabuti ang mga bagay na iyan... para hindi ka magkaproblema balang araw.
      Jul 11, 2014, 10:50 PM
    • Wills: sa ganyang stage ng buhay natin ay maraming problema na pwedeng sumurpresa saiyo.... maganda ang iyong hangarin at ang gusto mo lang naman ay magprovide sa pamilya mo
      Jul 11, 2014, 10:49 PM
    • Wills: Hi yoj77, ingat ka lang dahil masyadong malaki ang interest na hahabulin mo. If anything goes bad how would you handle disappointments? may anak ka pa naman and since you said "2kids" I assume they are young and you're young also
      Jul 11, 2014, 10:47 PM
    • yoj77: 200/15mos pra may returns monthlu... naisip ko lang po, kc makaahon man lang.. may 3schools kx sa subd namin, at ung iva nagpaparint narin saken... kulang na kulang ako to survive
      Jul 11, 2014, 10:12 PM
    • yoj77: sis here po. i'm a mom of 2kids... 9mos resogned, wla na mhanap yaya... kya balik ko nlang viz ko dati, need ko lng dagdagan ng rental
      Jul 11, 2014, 10:05 PM
    • yoj77: magcomputer cafe ako dito sa haus, para mas kumita, wla ng renta
      Jul 11, 2014, 09:55 PM
    • yoj77: compute ko lang po un
      Jul 11, 2014, 09:52 PM
    • yoj77: hindi ako qualified sa bank, kc unemploed na. homebased na ako working. printing services..
      Jul 11, 2014, 09:47 PM
    • VeneurlArgent: parang dr*gs yung business niya ang bilis ng return.  :D
      Jul 11, 2014, 07:13 PM
    • jmces: utang ka sa bangko kung kaya mo gawin 200k ang 150k kayang kaya m bayaran ang interest D
      Jul 11, 2014, 05:22 PM
    • VeneurlArgent: sir yoj77 magkano po return kung sakali invest ko sa inyo 1M ko? =)
      Jul 11, 2014, 05:11 PM
    • katkatmachine: wow! 50k agad ang return kay yoj77 in just a matter of 15 months! guys! mag-invest na tayo sa kanya! surebol returns oh! :D
      Jul 11, 2014, 04:59 PM
    • yoj77: hellppppp... :D magbusiness po ako.. kasi super kulang na kulang income...
      Jul 11, 2014, 02:44 PM
    • yoj77: hello guys, sino pwedeng magpainvest saken money.. wahhhh.... 150k gawin ko 200K 15mos to pay.. :D
      Jul 11, 2014, 02:42 PM
    • erica25: hi po
      Jul 11, 2014, 12:35 PM
    • spidermannn: anyone got news about LBC ? IPO or any?
      Jul 11, 2014, 04:40 AM
    • lyn.dorry: Hello
      Jul 10, 2014, 11:25 PM
    • arvy271: :hello:
      Jul 10, 2014, 10:22 PM
    • arvy271: hi po sa lahat ng tambay dito
      Jul 10, 2014, 09:59 PM
    • george88: @vicces what kind of help are you referring... Can you please enlighten
      Jul 10, 2014, 07:21 PM
    • kithe: @rds, di ka ba nagfb? join na din kayo.. ;)
      Jul 10, 2014, 03:40 PM
    • kithe: hi katkat.. :)
      Jul 10, 2014, 03:37 PM
    • rds: @kithe - eto nakikisawsaw na lang minsan sa usapan ng iba. how's TAP doing? i believe your members' doing great!
      Jul 10, 2014, 02:21 PM
    • katkatmachine: anjan ka pa po ba miss kithe?
      Jul 10, 2014, 02:01 PM
    • kithe: @rds, nawala ako ng matagal dito sa pmt, kamusta na kayo dito?
      Jul 10, 2014, 01:02 PM
    • rds: @agapanthus - that means tayo na ang bida!
      Jul 10, 2014, 12:41 PM
    • rds: anything to say kithe?
      Jul 10, 2014, 12:40 PM
    • kithe: :hello:
      Jul 10, 2014, 12:22 PM
    • bajoyjoy: GoodSteward: alisan na prospera, ff, miko, and from the one of it, vicces... :)  Ill catch you around vicces!! <<<< GS, is that true?!? wait, what happened? what?!
      Jul 10, 2014, 10:43 AM
    • agapanthus: nag-aalisan na sila, so ibig bang sabihin into, bear market na?
      Jul 10, 2014, 07:30 AM
     
     
    Welcome, Guest. Please login or register.
    Did you miss your activation email?

    * Must-Read Topics!

    * Active Posters Today

    pulubing_palaboy
    3 Posts
    Market_Market
    1 Posts
    Homeboy Homeboy
    1 Posts

    * Vote in this Poll Now!

    • Who would you vote for as President in 2016?
    • Dot Kris Aquino
    • 6 (6%)
    • Dot Jejomar Binay
    • 6 (6%)
    • Dot Alan Peter Cayetano
    • 6 (6%)
    • Dot Chiz Escudero
    • 4 (4%)
    • Dot Ping Lacson
    • 7 (7%)
    • Dot Bongbong Marcos
    • 8 (8%)
    • Dot Grace Poe
    • 13 (13%)
    • Dot Bong Revilla
    • 0 (0%)
    • Dot Mar Roxas
    • 6 (6%)
    • Dot Miriam Santiago
    • 35 (36%)
    • Dot Others
    • 5 (5%)
    • Total Members Voted: 96
    • View Topic

    * PinoyMoneyTalk.com

    * SPAM-free PMT!

    Help clean up the PMT Forum by reporting spam posts, troll messages, PM solicitation, or any other problem posts or members! Click the "Report to moderator" link at the bottom of every post.
    BloQcs design by Bloc
    SMF 2.0.4 | SMF © 2013, Simple Machines
    SMFAds for Free Forums
    SimplePortal 2.3.5 © 2008-2012, SimplePortal