06/11/2020
‼️THINGS TO KNOW WHEN BUYING A HOUSE‼️
🔴BUDGET - magkano ba kaya mong monthly? Kung magkano lang kaya mo doon ka mag-umpisa tumingin.
🔴LOCATION - consider mo parin budget mo. Kung mura lang siguradong malayo sa manila yan. 5 million na po pataas presyo ng Townhouse sa manila.
🔴REQUIRED MONTHLY SALARY - Check mo na kaagad kung magkano sweldo mo kase doon lang magbabase kung magkano monthly pwede mo kunin! (pwede combined salary)
🔴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 pagmamay-ari ninyo.
COMMON QUESTIONS :
1. Saan po ba may mura?
👉 Sa Cavite, Batangas or Laguna
2. May Rent To Own po ba kayo?
👉 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?
👉 kung kaya mo magbayad ng cash maaring makalipat ka agad.
👉 kung installment hihintayin muna matapos Downpayment pagbayad na tsaka palang maiprocess sa PagIBIG na usually 4-6mos. (pwede mo bayaran ng cash ang Downpayment para maiprocess agad sa PagIBIG)
4. Kelan pwede makalipat?
👉 kung na release na ng PagIBIG ang loan mo.
5. Ano ang Pre-selling?
👉 ibig sabihin nito itatayo palang ang bahay mo usually 18-24 months construction sa mga affordable or low cost housing. Ang maganda nito mura pa ang price ng bahay kase wala pang development. Maari mo din bayaran pa ng installment ang Downpayment or Equity.
6. Ano ang Equity?
👉 ito ay same lang ng Downpayment at required mong bayaran bago pwede maloan sa PagIBIG.
‼️How to Avail:‼️
1. Join our Free tripping everyday,
2. Choose a unit after tripping and pay the reservation fee
Initial Requirements:
-2 Valid ID(SSS, Company, TIN, Passport, PRC, etc.)
-One month latest payslip
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 4-6mos before the start of Monthly Amortization.
‼️BUYER'S REQUIREMENTS:‼️
🔆 STANDARD REQUIREMENTS
📍Marriage Certificate/Birth Certificate
📍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
📍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 abroad )
this is Ms Nao Provost , at your service
Salamat 👍🏻
