PMT Forum

News: Sign the July 2016 "Always Present!" ATTENDANCE SHEET kung present ka sa PMT Forum today!

 
 
Welcome, Guest. Please login or register.
Did you miss your activation email?

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

Author Topic: Pag-IBIG Housing Loan  (Read 214920 times)

Offline nailbiter

  • Alalay ng
  • Moderator
  • *
  • Posts: 4,326
  • Thanks Received: 0
  • stop'n grow helps
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! A Concert for a Cause
    26 October 2008, Sunday, 3pm, Philamlife Theater

    Offline happykill

    • Posting Guru
    • *
    • Posts: 405
    • Thanks Received: 0
    • Gender: Male
    • fishing escapades
    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
    • *
    • Posts: 542
    • Thanks Received: 0
    • Gender: Female
    • Naruto Fan
    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
    • *
    • Posts: 2,071
    • Thanks Received: 0
    • Start small. Dream big. Never say die.
    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?


    Offline p!nk

    • Forum Tambay
    • *
    • Posts: 542
    • Thanks Received: 0
    • Gender: Female
    • Naruto Fan
    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
    • *
    • Posts: 2,071
    • Thanks Received: 0
    • Start small. Dream big. Never say die.
    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.

    Offline FutureGizmo

    • Admin
    • *
    • Posts: 5,054
    • Thanks Received: 5
    • Bazinga!
    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.
    Thank you to 44,000+ PinoyMoneyTalk fans on Facebook!
    :b_hi: Click here to Like PMT on Facebook now!

    Offline annanymous

    • Anonymous
    • Moderator
    • *
    • Posts: 2,071
    • Thanks Received: 0
    • Start small. Dream big. Never say die.
    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.

    Offline FutureGizmo

    • Admin
    • *
    • Posts: 5,054
    • Thanks Received: 5
    • Bazinga!
    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.
    Thank you to 44,000+ PinoyMoneyTalk fans on Facebook!
    :b_hi: Click here to Like PMT on Facebook now!

    Offline maaku

    • Moderator
    • *
    • Posts: 1,025
    • Thanks Received: 0
    • Gender: Male
    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
    • *
    • Posts: 542
    • Thanks Received: 0
    • Gender: Female
    • Naruto Fan
    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
    • *
    • Posts: 488
    • Thanks Received: 0
    • Gender: Male
    • Taipei 101 World's Tallest Building 台北101世界最高
    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
    • *
    • Posts: 5,054
    • Thanks Received: 5
    • Bazinga!
    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.
    Thank you to 44,000+ PinoyMoneyTalk fans on Facebook!
    :b_hi: Click here to Like PMT on Facebook now!

    Offline p!nk

    • Forum Tambay
    • *
    • Posts: 542
    • Thanks Received: 0
    • Gender: Female
    • Naruto Fan
    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
    • *
    • Posts: 2,071
    • Thanks Received: 0
    • Start small. Dream big. Never say die.
    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?

    PMT Forum

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

     


    PMT Shoutbox

    Refresh History
    • sp.mbl.ron: asx hello
      Yesterday at 05:14 PM
    • asx2016: hello newbie here......
      Yesterday at 03:07 PM
    • sp.mbl.ron: or just email me. sp.mbl.ron@gmail.com
      Yesterday at 11:39 AM
    • sp.mbl.ron: hindi po ito scam or whatever. legit po ito. ASIALINK FINANCE CORPORATION .
      Yesterday at 11:17 AM
    • sp.mbl.ron: just text me po. 09758460418
      Yesterday at 11:17 AM
    • sp.mbl.ron: for short non collateral and collateral loan . for very fast process
      Yesterday at 11:16 AM
    • sp.mbl.ron: hello Good morning . baka po meron jan need ng Capital
      Yesterday at 11:15 AM
    • zurfmaxx: hello sa lahat
      Jul 23, 2016, 04:00 AM
    • labamba: hello
      Jul 20, 2016, 02:58 PM
    • queenmore: hi guys
      Jul 19, 2016, 10:05 PM
    • mrbimnl: kuya na scam ka?
      Jul 15, 2016, 04:50 PM
    • jayjaytobi: maari lamang po na makipagcoordinate kayo sa akin kasi in kailangan ko pa ng mga kasamahan na magfile ng case against her.
      Jul 14, 2016, 11:52 AM
    • jayjaytobi: hi magandang hapon. sino na po dito ang nascam ni KATRINA C CRUZ./ MICHELLE MICHEE CRUZ
      Jul 14, 2016, 11:52 AM
    • maya2ph: gandang hapon sa lahat
      Jul 13, 2016, 05:22 PM
    • hart01: Hi po, newbie lang ako...kamusta kayo?
      Jul 13, 2016, 03:42 PM
    • annjoo: wish this forum was more active. sobrang interesting ng talks, want to learn more.
      Jul 12, 2016, 01:12 PM
    • esclabo: scorbabe, parang nagspam ng link na may lamang cryptolocker virus
      Jul 10, 2016, 07:59 PM
    • jamesmanding: Gudmorning
      Jul 08, 2016, 08:21 AM
    • Pinoy91: Hi need help in opening rice shop
      Jul 07, 2016, 04:34 PM
    • annjoo: hi. anybody interested in educating a newbie in the life insurance industry? thank you.
      Jul 04, 2016, 10:30 AM
    • Ryex321: hi ! sino my alam dito pwede ,ag personal loan ? madali lang process
      Jul 02, 2016, 06:40 AM
    • george88: bablita23 pinakamagandang gawin mo pumunta ka ng navotas fishport canvass ka dun tanong tanong then punta ka naman ngayon sa palengke magtanong ka magkano retail tapos compare mo sa navotas fishport malaki kita dyan pag ubos mo supply mo
      Jun 16, 2016, 03:54 PM
    • bablita23: Hi po, anyone can help? Gusto q po sana mag start na maging fish dealer. Baka pwede nyo po aq mapayuhan ng mga unang dapat gawin. Thank you po.
      Jun 15, 2016, 12:42 PM
    • freefront: Help! Where can I buy gutter guards? A big rat ran up the rainwater drainage pipe and ate all the new shoots of my Lemon Trees. I already went to 5 big hardware stores. Nothing. You know, the kind of metal guards you attach to the 4" pvc's that drain out onto the city gutter.......
      Jun 15, 2016, 08:45 AM
    • Nap: Hi guys kailangan ko ng truck na mababackloadan evry week pabalik ng manila mula sa south
      Jun 13, 2016, 07:35 PM
    • shiru: promise po i'll behave want ko lng malaman f anu ng status nmen...
      Jun 11, 2016, 10:58 AM
    • shiru: hopeless n tlga ko,need help para maopen fb ng asawa ko,plz anyone
      Jun 11, 2016, 10:57 AM
    • shiru: hi guys,newbie here,i need help
      Jun 11, 2016, 10:57 AM
    • Jotabs: I tried some interview but mostly people are shy to e press the active process
      Jun 10, 2016, 07:29 AM
    • Jotabs: Hahahq, to think I voted for duterte. I just wanted to start a simple money lending with security features. Paano kaya?
      Jun 10, 2016, 07:28 AM
    • jenofstructures: Mahirap ang bumbay style na lending, as hindi ito sinusuportahan ni Duterte.
      Jun 09, 2016, 06:53 AM
    • papavigo: sino dito nakaexperience na ng clickbank .willing to pay just teach me how to earn on clickbank.see me on my facebook account.Gilbert sausa vigo.salmat
      Jun 08, 2016, 09:02 PM
    • ardytenorio: @jotabs to start, know the market. alamin mo kung paano kalakaran sa loc mo. kung magkano interest at kung mode of payment. mas maganda kung mag-interview ng mga umuutang sa bumbay
      Jun 08, 2016, 01:23 PM
    • Jotabs: Anyone?
      Jun 08, 2016, 10:43 AM
    • Jotabs: I need some advice on how to start a bumbay style lending?
      Jun 08, 2016, 10:43 AM
    • rachelle_dammay: hi sa lahat newbie here :)
      Jun 07, 2016, 04:14 PM
    • reggie012784: Xm broker, ok ba sya
      Jun 01, 2016, 03:12 PM
    • annzam23: paano kumita sa  online dito
      May 31, 2016, 03:53 PM
    • freefront: FGiz, katamad yung style. I'm opening 2 tabs for pmt. But thanks for the info :)
      May 28, 2016, 10:28 PM
    • FutureGizmo: Hi freefront, the link to the Unread Topics is at the bottom of the page, included in "Your Member Information" section.
      May 27, 2016, 09:40 PM
    • natz: Wala magawa. Petiks. tagal ....uwian na...>_>
      May 27, 2016, 04:25 PM
    • reytave19: what's up with fgen?
      May 27, 2016, 01:55 PM
    • freefront: FG, can we have the "unread topics" back?
      May 27, 2016, 02:41 AM
    • natz: Ano ba yan. Down ang BPI BEA Online tsk tsk.
      May 25, 2016, 10:21 AM
    • LifeStyle: Greetings! Newbie here.. im a wanna be micro entrepeneur..
      May 20, 2016, 09:03 PM
    • Marq: I need help
      May 19, 2016, 12:52 AM
    • kerefish: Welcome to me I'm newbie
      May 15, 2016, 02:05 PM
    • mrblue20: hi gudeve sa lahat
      May 11, 2016, 05:00 PM
    • jenofstructures: ang daming thread na pala na hindi ko nabasa hahahaha ang dami kasing nag multiple post sa ibat ibang thread
      May 10, 2016, 04:49 PM
    • trail291: good morning
      May 10, 2016, 11:23 AM
    BloQcs design by Bloc
    SMF 2.0.11 | SMF © 2015, Simple Machines
    SMFAds for Free Forums
    SimplePortal 2.3.6 © 2008-2014, SimplePortal