Valle Pio Executive by Zhirlyn

25/01/2026

🏡 Pag-IBIG Housing : Beginner’s Step-by-Step Guide

Wala ka pang idea kung paano? No problem.

Marami talagang first-time buyers ang nag iisip kung paano or saan magsisimula — kaya eto ang ibibigay qng guide para sayo.

⸻

🔔 STEP 1: Dapat Pag-IBIG Member ka

Kung hindi ka pa member, pwede register online or magwalk-in sa branch.

Requirement:
✅ Dapat may 24 months of contributions
(Pwede bayaran ng lump sum kung may kulang or totally zero pa)

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🔔 STEP 2: Prepare Your Basic Documents

For Locally employed:
✔ 2 Government Valid IDs
✔ Latest payslips
✔ COE with compensation
✔ Birth cert / Marriage cert
✔ Proof of Billing

For OFW / self-employed or business owner → ibang proof of income naman ang needed sa inyo

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🔔 STEP 3: Pumili ng Property na swak sa Budget mo

Pwedeng:
✔ Subdivision house & lot
✔ Condo
✔ Lot-only

Mahalaga na ang mapili mong property ay pasok sa budget mo para in the long run ay ndi ka mahirapan.

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🔔 STEP 4: Loan Application (Filing of Requirements)
—— madalas tong ginagawa after mabayaran ang equity pero my ibang developer na nag aalok na kahit ndi pa tapos bayaran ang equity ay pwede ng maprocess sa PAG IBIG —— si developer na din ang nag aasikaso nito.

Eto mga need icomply :
📌 Housing Loan Application
📌 updated Proof of Income
📌 updated Valid IDs
📌 CTS or Reservation documents (from developer)
⸻
Kapag ok na lahat to mag uumpisa ng iprocess ang Loan Application mo

🔔 STEP 5: Pag-IBIG Loan Evaluation
——
For Pag-IBIG checking:
✔ pasok ba Income mo
✔ Job stability
✔️ kumpleto ba requirements mo
✔️ must Attend the Borrower’s Validation seminar ( through online na to ngaun )

If lahat ay ok ang lahat → ayun Approved ka!

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🔔 STEP 6: Releasing na ng Notice of Loan Approval (NOLA)

Ito ang official document na sure sure ng approved ka na sa Housing Loan mo.
Dito makikita mo ang:

📌 Loan charges
📌 Payments
📌 Insurances

This is the final documents na need mong isign para maloan take out kana

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🔔 STEP 7: Last Step is Loan Take-Out

After ng lahat ng proseso na nalampasan mo eto na ang pinaka aantay mo ‼️

✔️ Makakarecieve kana ng email from Pag-IBIG na Loan take out kana
✔ 1 month after loan take out magstart kana magbayad ng monthly amortization mo
✔️ Pwede kana din magpaproceed sa Turnover ng Unit mo sa developer

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Congrats ‼️ May bahay kana may Utang kapa 😆 kidding aside masarap magkaroon ng sariling bahay. Di man cash nabili atleast may masasabi kang “akin to’ pinaghirapan ko to” 😍 sobrang sarap sa feeling at sobrang full feeling.

💡Tips lang

✅ Mas mabilis ang approval kung updated ang documents mo
✅ Iwasan ang late payments habang on process ka (para to sa may mga existing salary loan)
✅ Madami at nkakalito talaga kung ano ba talaga ang bahay na gusto mo pero mas magandang pumili kung ano lang ang pasok sa budget mo
✅ Ugaliing magtanong kung nalilito ka. Pumili din ng legit at lisensyadong ahente para sure ball ang pagkuha mo ng bahay 😉

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If you find this post helpful don’t forget to follow,like and share this for more tips. 😀

09/01/2026

Newly Open Block is now AVAILABLE!!
Sobrang lapit lang sa entrance gate

Single Attached (Eustaquio) 🏡

- Lot Area: 54 sqm
- Floor Area: 52.5 sqm

Complete Turnover Includes:
✅ 2 Bedrooms
✅ 2 Comfort Rooms
✅ Service Area
✅ Car Port
✅ Balcony
✅ With Tiles, Paint, and Partitions 💯

Location:
📍 Along National Highway (1 ride to Manila)
📍 Near SM, commercial buildings, fast foods, and market
📍 Brgy San Pablong Nayon, Sto Tomas, Batangas

For site viewing and reservations, send me a message!

22/01/2021

11/03/2020

One of the hottest trending unit today.

Up and down with fence pa at 3,840 lang thru pagibig

Equity nasa 8k plus monthly

Contact zhirlyn for more details 0938 669 2020

Location: Sto Tomas

30/01/2020

‼️ LAST CHANCE TO AVAIL YOUR DREAM HOME AT A VERY AFFORDABLE PRICE UNTIL FEB 01, 2020. ‼️

🌳 Tanauan Park Place, Brgy. Bagumbayan, Tanauan Batangas 🌳

🏠 JASMINE TOWNHOUSE 🏠
🌿 For as low as 5,730 equity for 13 months

🏠 JASMINE DUPLEX 🏠
🌿For as low as 6,694 for 18 months

🏠 JASMINE SINGLE ATTACHED 🏠
🌿 Starts at 8,200 for 20 months

🏠 LiNNEA Single Attached 🏠
🌿 Starts at 14,500 for 24 months

📌 WISE INVESTMENT... In just a few days, TUMUBO KA NA. What are you waiting for???? RESERVE NA..

23/01/2020

Cheapest Single Detached
Reservation lng need !
No Equity na babayaran
Semi Complete type turn over
Sto.Tomas Batangas Area
pm for details