29/07/2020
Paano nga ba ang proseso ng pagkuha ng sariling bahay??? 🤔🤔🤔
Makakatulong ito, pakibasa kaibigan. 😊😀
🔎🔎THINGS TO KNOW WHEN BUYING A HOUSE!!!🔍🔍🏠🏡🏘
📌 Budget - magkano ba kaya mong monthly amortization? Kung magkano lang kaya mo, doon ka mag-umpisa tumingin. Tandaan na bukod sa monthly amortization, may equity or downpayment ka rin kailangan muna bayaran.
📌 Location - consider mo pa rin ang budget mo. Kung mura lang, siguradong malayo sa Manila yan. 7 million na po pataas presyo ng Townhouse sa Manila.
📌 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 ng family)
📌 Marital Status - laging tandaan ang legalities kapag kasal ka sa papel kahit na hiwalay kayo, sa mata ng batas conjugal property pa din ang lahat ng pagmamayari ninyo.
COMMON QUESTIONS: 🤔🤔
1. Saan po ba may mura?
➡️ Sa Bulacan, Cavite, Rizal marami pang mura.
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 mailoan sa Pagibig at magmomonthly ka nalang sa Pagibig kaya parang rent to own ang dating.
3. May Lipat Agad po ba kayo?
➡️Kung kaya mo magbayad ng cash maaring makalipat ka agad.
➡️ Kung installment naman, hihintayin muna matapos ang pagbabayad ng Downpayment chaka palang maipaprocess sa Pagibig na usually tumatagal ng 3-6months ang proseso (pwede mo bayaran ng cash ang Downpayment para maprocess agad sa Pagibig ang loan mo).
4. Kelan pwede makalipat?
➡️ Kung na release na ng Pagibig o banko ang loan mo.
5. Ano ang Pre-selling?
➡️ Ibig sabihin nito itatayo palang ang bahay mo usually 18-24mos ang 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 pareho lang ng Downpayment at required mong bayaran bago makapagloan sa Pagibig o bangko.
HOW TO AVAIL: 😃😍
1. Join our tripping
2. Choose a unit after tripping and pay the reservation fee
Initial Requirements:
-2 Valid Id's (SSS, Company, TIN, Passport, PRC, etc.)
-1 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 which takes 3-6months 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)
for inquiry of all project, pls pm.tnx
