02/01/2024
Paano nga ba ang proseso ng pagkuha ng sariling bahay? Lalo na thru Pagibig Housing Loan. Brand New or Foreclosed.
Basahin nyo Po ito mga friend. ๐
๐๐THINGS TO KNOW WHEN BUYING A HOUSE!!!๐๐
๐ Budget - magkano ba kaya mong monthly? Kung magkano lang kaya mo doon ka mag-umpisa tumingin.
๐ Location - consider mo pa rin ang budget mo. Kung mura lang siguradong malayo sa Manila yan. Five (5) million na po pataas presyo ng Townhouse in QC, Marikina and nearby Metro Manila like Antipolo City, Cainta, Taytay Rizal, San Pedro, Laguna and Bacoor Cavite.
๐ Required Monthly Salary - Check mo na kaagad kung magkano sweldo mo kase doon sa rate lang magbabase kung magkano monthly pwede mo kunin! (pwede combined salary ninyo mag-asawa o family)
๐ Marital Status - laging tandaan ang legalities kapag kasal ka sa papel kahit na hiwalay kayo sa mata ng batas conjugal property padin ang lahat ng pagmamayari ninyo at need na ng Cenomar from PSA.
Common Questions:
1. Saan po ba may mura?
โฉ Sa Bulacan, Cavite, Batangas or Pampanga, Rizal (pailan ilan nlng)
2. May Rent To Own po ba kayo?
โฉ wala naman talagang rent to own. Maglalabas ka rin ng pera sa Equity or Downpayment at yung remaining pwede na maloan sa pagibig at magmomonthly ka nalang sa pagibig kaya parang rent to own ang labas.
3. May Lipat Agad po ba kayo?
โฉ kung kaya mo magbayad ng cash maaring makalipat ka agad.
โฉ kung installment hihintayin muna matapos Downpayment pagbayad na saka palang maprocess sa pagibig na usually 3-6months. (pwede mo bayaran ng cash ang Downpayment para maprocess agad sa pagibig)
4. Kelan pwede makalipat?
โฉ kung na release (NOA) na ng pagibig o bank ang housing loan mo.
5. Ano ang Pre-selling?
โฉ ibig sabihin nito itatayo palang ang bahay mo, usually 3-4 yrs turn over sa mga affordable or low cost housing. Ang maganda nito mura pa ang price ng bahay kase wala pang development (30-40% cheaper vs RFO). Maari mo din bayaran pa ng installment ang Downpayment or Equity.
6. Ano ang Equity?
โฉ ito ay same lang ng Downpayment at required mong bayaran bago Kapa maaprove sa pagibig. Ito ay yong excess na lote don sa amount na iloloan sa pag ibig.
HOW TO AVAIL:
1. Join our free tripping (message mo ko para makapagsched tayo)
2. Choose a unit after tripping and pag may nagustuhan ka, reserve mo na agad para d na makuha ng iba (pay the reservation fee)
Initial Requirements:
-2 Valid ID(SSS, Company, TIN, Passport, PRC, etc.)
-One month latest payslip(buong buwan )
3. 30 days after reservation the downpayment will start
4. Submit the remaining requirements within 30days from reservation.
5. after downpayment wait for Pagibig processing 3-4months before the start of Monthly Amortization.
Buyer's Requirements:
STANDARD REQUIREMENTS
-Marriage Certificate/Birth Certificate/CENOMAR
-2pcs. 1x1 and 2x2 Pictures
-Proof of Billing Address
-Cedula
-TIN
FOR LOCALLY EMPLOYED
-ITR
-Original and Notarized Certificate of Employement with Compensation(COEC)
-Payslip for the last 3 months
FOR SELF-EMPLOYED
-Bussiness Registration(DTI/SEC)
-Mayor's Permit
-ITR for the last 2 years
-Original Audited Financial Statement (CTC from BIR)
-Franchise/OR/CR for TAXI/JEEPNEY/BUS OPERATORS
-PTR( for practicing professionals )
-Certificate of Engagement
-Brgy. Clearance
FOR OFW
-Original Certificate of Employment with Compensation(Consularized)
-Photocopy of Contract of Employment
-Photocopy of Passport (with entries)
-Photocopy of Seaman's Book
-Proof of Remittances and SPA ( with consular seal if notarized.
๐๐ผ๐ฟ ๐บ๐ผ๐ฟ๐ฒ ๐๐ฒ๐๐ฎ๐ถ๐น๐:
๐๐๐๐/๐ง๐๐ซ๐ง/๐ ๐๐ฆ๐ฆ๐๐ก๐๐๐ฅ/๐ช๐๐๐ง๐ฆ๐๐ฃ๐ฃ/๐ฉ๐๐๐๐ฅ
Zanet Butil De Lara
โ๏ธ๐ฒ+๐๐ ๐46-392-7387
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