29/05/2023
How to Buy a House in 5 Simple Steps
Step 1: Set Your Budget
* Check kung magkano kaya mo monthly (ideally 30% lang ng income).
* Decide kung Pag-IBIG, Bank, or In-house financing ang kukunin mo.
Step 2: Choose Location & Developer
* Piliin kung saan mo gusto (Bulacan, Cavite, Laguna, Rizal, Pampanga, etc.).
* Consider: lapit sa work, school, hospital, transport, at future development.
* Check reputation ng developer para iwas delay.
Step 3: Reserve Your Unit
* Pay Reservation Fee (deductible sa DP).
* Submit initial requirements: 2 valid IDs, payslip, COE/ITR, proof of billing.
Step 4: Pay Equity / Downpayment
* Usually 10%โ20% ng total price.
* Payable in 12โ24 months (installment).
* After DP, developer will process Pag-IBIG/Bank loan.
Step 5: Loan Release & Move-in
* Once approved at na-release ang loan, developer will turn over the unit.
* Pay transfer/move-in fees, then pwede ka na lumipat!