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PAGIBIG LOAN

pabloiglesia · 8 · 3519

pabloiglesia

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on: Sep 11, 2013, 05:48 PM
Magandang araw po

Ask ko lang po

Dati po kasi akong OFW na natapos na ang kontrata at nagbabalak na mamalagi sa pinas subalit ang sweldo ko lang ngayon ay P25K at for the past 5 years hindi ko po nahulugan ang pagibig, so bale po ngayon pa lang po ako maghuhulog ng PAGIBIG

QUESTION:
1. Posible po kaya na makapagloan ako sa PAGIBIG kung sakaling bayaran ko yung full 24months sa one lump sum payment?
2. Maqualify po kaya ako to take P2M financing housing loan payable for 30 years if my current salary is P25K?
3. Magkano po kaya ang monthly payment sa P2M pagibig loan?

Salamat po and God bless


DreamWalker

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Reply #1 on: Sep 11, 2013, 07:10 PM
Magandang araw po

Ask ko lang po

Dati po kasi akong OFW na natapos na ang kontrata at nagbabalak na mamalagi sa pinas subalit ang sweldo ko lang ngayon ay P25K at for the past 5 years hindi ko po nahulugan ang pagibig, so bale po ngayon pa lang po ako maghuhulog ng PAGIBIG

QUESTION:
1. Posible po kaya na makapagloan ako sa PAGIBIG kung sakaling bayaran ko yung full 24months sa one lump sum payment?
2. Maqualify po kaya ako to take P2M financing housing loan payable for 30 years if my current salary is P25K?
3. Magkano po kaya ang monthly payment sa P2M pagibig loan?

Salamat po and God bless

1. YES
2. YES
3. Not sure, depende sa number of years ng loan mo

More info sa tanong mo
http://www.youtube.com/watch?v=Ob0elbwPZmk

Darlene Berberabe
President and CEO
Pag-Ibig
« Last Edit: Sep 11, 2013, 07:44 PM by DreamWalker »


julz

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Reply #2 on: Apr 07, 2014, 10:53 PM
Hindi na yata pwede ngayon ang mag pay spotcash ng worth 24 months na contribution.


anne_mazing

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Reply #3 on: Apr 22, 2014, 04:21 PM
Ang pinakamadali mong gawin is to visit the nearest pag-ibig branch. I've tried applying for pag-ibig salary loan last year and so far madali ang process cguro same lang for other loan type. :)


radio_head

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Reply #4 on: Jun 18, 2014, 08:26 PM
Ang pinakamadali mong gawin is to visit the nearest pag-ibig branch. I've tried applying for pag-ibig salary loan last year and so far madali ang process cguro same lang for other loan type. :)

Ano ano bang papers ang kailangan kapag mag-aaply ng housing loan sa pag-ibig and anong requirements?


arkitek_FRIDAY

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Reply #5 on: Aug 10, 2014, 05:19 PM

1. Posible po kaya na makapagloan ako sa PAGIBIG kung sakaling bayaran ko yung full 24months sa one lump sum payment?

Your 24 months contribution has nothing to do with your loan. it's like a premium n kelangan mo tlaga bayaran para ka makapag loan s knila. hndi naman kasi to masyadong kasama sa kwentahan. after you pay for the 24 months contribution ang kelangan mo bayaran dyan eh ung equity ng property  which is at least 20 to 30 % nung 2M (400 to 600 thousand pesos).


2. Maqualify po kaya ako to take P2M financing housing loan payable for 30 years if my current salary is P25K?

I Guess no..ang bracket para sa 2 Million peso loan ang alam ko eh dapat nasa 50k ang monthly salary. taasan mo ung equity mo para makuha mo ung 2M n property na gusto mo.


3. Magkano po kaya ang monthly payment sa P2M pagibig loan?

Roughly nasa 17k per month yan for 30 years (Principal and interests)




DonT

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Reply #6 on: Aug 11, 2014, 08:25 AM
Parang I read recently that Pagibig has better rates for amounts less than 400K lang..if higher, banks are better.  Please do check them out.


mackygoof

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Reply #7 on: Aug 11, 2014, 10:28 AM
Ano ano bang papers ang kailangan kapag mag-aaply ng housing loan sa pag-ibig and anong requirements?

http://www.pagibigfinancing.com/articles/2010/the-pag-ibig-housing-loan-process/

QUESTION:
1. Posible po kaya na makapagloan ako sa PAGIBIG kung sakaling bayaran ko yung full 24months sa one lump sum payment?
2. Maqualify po kaya ako to take P2M financing housing loan payable for 30 years if my current salary is P25K?
3. Magkano po kaya ang monthly payment sa P2M pagibig loan?


1. No.
Answer: Not anymore, the new Pag-IBIG Law of 2009 has changed the rule. But, you may still pay 24-months one time (Pag-IBIG will be more than happy to accept it) and wait for another 24 months to apply. (Other branches will allow you to wait for just 12 months.) - See more at: http://www.pagibigfinancing.com/articles/2011/how-to-check-if-you-are-qualified-for-a-pag-ibig-housing-loan/#sthash.nZAQHo7Z.dpuf

2. depends on your capacity to pay
As a general rule, your monthly amortization should not exceed one-third of your gross income. This is the rule used by many financial institutions when qualifying a loan applicant. - See more at: http://www.pagibigfinancing.com/articles/2011/how-to-check-if-you-are-qualified-for-a-pag-ibig-housing-loan/#sthash.nZAQHo7Z.dpuf

3. depends on the interest rate at that time.


 


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