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Bank's home loan

markus · 36 · 16562

markus

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hello everyone. i would like to seek an advice to real estate experts. i'm planning to apply for home loan to purchase studio unit condominium. ano po ba ang bank na mababa ang interest rate? thanks  


FutureGizmo

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Kelangan mong tanungin yung mga bangko mismo kasi una, nagbabago ang rates nila regularly at ikalawa, depende yung icha-charge nilang interest rate sa capability mo to pay.

Kung matagal ka nang client ng isang bangko tapos may previous loan ka na o credit card sa kanila at OK naman ang payments mo, dun ka na lang, pwede nilang ibaba ang interest rate kung tingin nila creditworthy ka.


litb

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kung nasa negative file ka na, makakapaghousing loan ka pa rin ba?


FutureGizmo

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^ Depende sa bangko, pero kung payagan ka man, siguro mas mataas yung interest rate na icha-charge.


markus

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 :thankyou: FG for your advice  :applause:

nakapag apply na ko for housing loan sa LBC bank. so far sila ang pinakamababang interest rate for housing loan. i will share my experience pag na approved yung loan ko for the benefit of the PMT members. more power  :yoohoo:


SuperBoy

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Dan1016

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hi markus,

             I'm Dan pls. text me your landline or your cell number re loan bank application. You can reach me at my cell number 0927-5422280. Sorry for late response. thanks.


jhe

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@ markus,

kamusta na housing loan mo? na aaproved na ba?


milkybar

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hi, a newbie here...tanong ko lang po...kasi i was recently approved a home loan from PSBank and I was given 3 choices:

- fixed term with 10.75% interest for 10yrs (loan term)
- variable loan with 9.50% interest - repricing every year for 10yrs
- 10.25% interest for the first 5 yrs - to be repriced after the 5th year

ano po ba sa tingin nyo ang pinaka-ok na piliin dito?

thank you sa mga sasagot!  :cool2:


ph_investor

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milkybar

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thanks ph_investor! yun nga rin ang iniisip naming kunin...yung naka-lock in na rate...mahirap na, baka biglang magshoot up ang rates in the next 10yrs.. :D ang sabi kasi medyo nasa historical low na ang home loan rates currently kaya medyo ok nang ilock in.. :thankyou:


Blessme

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milkybar and other experts,

patanong, how long is total processing, from application to approval, of your loans in psbank?  can someone use the property na bibilhin nya na yung title is nasa developer pa or kelangan another collateral?  i am thinking kasi to apply for loans in banks to avail of lower interest as i don't want to avail the inhouse financing offered by developers.

di pa kasi ako naka pag apply nang loan eversince kaya tanong tanong muna :hihi:

thanks


markus

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hi, a newbie here...tanong ko lang po...kasi i was recently approved a home loan from PSBank and I was given 3 choices:

- fixed term with 10.75% interest for 10yrs (loan term)
- variable loan with 9.50% interest - repricing every year for 10yrs
- 10.25% interest for the first 5 yrs - to be repriced after the 5th year

ano po ba sa tingin nyo ang pinaka-ok na piliin dito?

thank you sa mga sasagot!  :cool2:


Hello milkybar

ask ko lang, anung lonable percentage ng PS bank, 70/30 ba? i think i need to apply a housing loan sa PSbank para may second choice ako. kasi medyo mababa ang appraisal ng LBC bank sa condo unit ko, although they are the most competitive interest rate yet. 10% fixed for 10 years and 11% fixed for 15 years ang LBC bank


milkybar

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hi Blessme, mabilis ang processing ng PSBank...nagsubmit ako ng application form Tuesday of last week pero incomplete pa...I completed my docs nung Friday lang then nung Monday I was informed na approved na yung application ko.. :cool2: di naman kelangan ng ibang collateral...basta yung bibilhin mo lang na property...

hi markus!..ang na approve samin na loanable amount is 80% ng value ng property...at first sa BDO kami nag apply pero ang na-approve lang is 70%...so i searched for other banks na nagpapaloan ng 80% and nakita ko nga sa site ng PSBank na pwede sila...kaya i tried...mas mababa pa ang ng konti ang rate nila compared sa BDO...kasi sa BDO, 11% interest pag 10yrs na fixed...sayang naman ang LBC, mababa pala sa kanila...kaso lang kung 70% lang din o lower ang ipapaloan nila, di rin uubra..



markus

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hi Blessme, mabilis ang processing ng PSBank...nagsubmit ako ng application form Tuesday of last week pero incomplete pa...I completed my docs nung Friday lang then nung Monday I was informed na approved na yung application ko.. :cool2: di naman kelangan ng ibang collateral...basta yung bibilhin mo lang na property...

hi markus!..ang na approve samin na loanable amount is 80% ng value ng property...at first sa BDO kami nag apply pero ang na-approve lang is 70%...so i searched for other banks na nagpapaloan ng 80% and nakita ko nga sa site ng PSBank na pwede sila...kaya i tried...mas mababa pa ang ng konti ang rate nila compared sa BDO...kasi sa BDO, 11% interest pag 10yrs na fixed...sayang naman ang LBC, mababa pala sa kanila...kaso lang kung 70% lang din o lower ang ipapaloan nila, di rin uubra..


hi milkybar

actually LBC bank can lend you up to 80%, 20% equity from the buyer if you are qualified. the problem is mababa appraisal nila sa residential condo unit ko sa makati. baka sa PSbank, medyo mataas appraisal nila, kasi when it comes to ROI, lugi me sa LBC bank  >:( saan ka ba ang apply ng housing loan sa PSbank, sa main office or sa mga branches?


 


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