Home Provider PH

25/12/2025

Merry Christmas, everyone! 🎄✨
Wishing you and your family joy, peace, and prosperity this holiday season.

- Chunnel and Channel Management 💙

25/12/2025

We wish you a Merry Christmas and a Happy New Year 2026! 🎄✨

Cheers to new beginnings and brighter days ahead.

25/12/2025

24/06/2025

𝗕𝗮𝗸𝗶𝘁 𝗗𝗮𝗽𝗮𝘁 𝗠𝗼𝗻𝗴 𝗔𝗹𝗮𝗺𝗶𝗻 ’𝗧𝗼 𝗕𝗮𝗴𝗼 𝗞𝗮 𝗠𝗮𝗴-𝗹𝗼𝗮𝗻 𝘀𝗮 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗟𝗼𝗮𝗻 𝗻𝗴 𝗣𝗮𝗴-𝗜𝗯𝗶𝗴 𝗙𝘂𝗻𝗱

A few years ago, we finally took the big leap kumuha kami ng bahay sa isang subdivision through PAG-IBIG Housing Loan.

First home. Dream achieved.

Pero after a few months of paying our monthly amortization, napapaisip na ako…

“Bakit parang hindi gumagalaw yung utang namin?”

Kaya nagtanong ako directly sa PAG-IBIG office. At doon ko nalaman ang totoo. 💔

⸻

📌 MONTHLY AMORTIZATION BREAKDOWN…SURPRISING ’TO!

We were paying ₱14,930.21 every month.

I thought malaking part nun napupunta sa principal. Pero eto ang actual breakdown:
-₱11,979.17 – Interest
-₱235.80 – Fire Insurance
-₱360.00 – MRI (Mortgage Redemption Insurance)
-₱2,355.24 – Principal 😭

Yes. Out of almost ₱15,000, only ₱2K+ goes to the loan itself.
The rest? Sa tubo. Sa insurance. Sa charges.

⸻

Paano Kinocompute ang Interest?

Let’s break it down:
• ₱2.5M loan
• 5.75% annual interest
• Divided by 12 months

👉 ₱2,500,000 × 5.75% ÷ 12 = ₱11,979.17 Monthly Interest

Kaya pala ang tagal bago bumaba ng utang.

But here’s the good news: may paraan para pabilisin ’yan.

⸻

BAYARAN ANG PRINCIPAL, NOT JUST THE MONTHLY

If may extra cash, wag ka muna mag-upgrade ng phone. 😅
Go to the PAG-IBIG office, and say:

👉 “Direct to Principal Payment po.”

Example:
- Monthly due: ₱14,930.21
- Binayad mo: ₱50,000
- ₱14,930.21 = regular monthly payment
- ₱35,069.79 = goes straight to principal

Meaning, lumiliit ang utang mo. Mas maliit na interest next month. Mas mabilis mong matatapos ang loan.

⸻

🚫 DON’T DO THIS IN PAYMENT CENTERS

If you pay ₱50,000 sa Bayad Center, it will just cover the next few months’ dues.

No impact sa principal.

So yes, advance ka nga—pero mabagal pa rin ang bawas sa utang.

⸻

Always monitor your loan online via Virtual PAG-IBIG.
They don’t send monthly bills, so ikaw mismo ang dapat mag-track.

⸻

My Realization:

Pag hindi mo intindihin kung paano gumagana ang housing loan mo,
years will pass… and you’ll wonder why you’re still paying a mountain of debt.

Kaya if you’re in the same boat as us…please, learn from our journey.

Don’t just pay. Pay smart.

⸻

Financial literacy is not a luxury. It’s survival.
Let’s share this with other homeowners…lalo na yung mga first time.

God bless sa lahat ng may bahay pero may bayarin pa. 😅 makaka-fully paid din tayo 🙏☝️

20/04/2025

May Christ's resurrection forever be our salvation. May God's power over life and death be manifested in our lives in blessings and goodness, AMEN!

He is risen! ✝️

17/03/2025

🏡 Own an Affordable Home Near Metro Manila! 🚗

Tired of expensive rentals?

Secure your own house & lot for as low as ₱8,560/month complete with a carport & top-notch amenities!

Live minutes away from malls, schools, and major roads.

Enjoy security, comfort, and a well-planned community without breaking the bank.

Why wait? Your dream home is within reach! 📩

Send us a message now for full details & a free site viewing!

17/03/2025

🏡 Magkabahay Na Malapit sa Metro Manila! 🚗

Pagod ka na bang magbayad ng mahal na upa?

Own a house & lot for as low as ₱8,560/monthkasama na ang carport at top-notch amenities!

Nakatira ka lang ng ilang minuto mula sa malls, schools, at major roads. Siguradong safe, comfortable, at sulit ang bagong tahanan mo!

Huwag nang maghintay! Abot-kamay mo na ang dream home mo!

📩 Message us now para sa full details at free site viewing!

17/03/2025

🏡 Gusto mo na bang magkaroon ng sariling bahay? 🚗

Lagi ka na lang bang nagbabayad ng upa?

Baka panahon na para magkabahay ka na!

Sa halagang ₱8,560/month, pwede mo nang makuha ang sariling house & lot may carport at complete amenities pa!

Sobrang lapit sa malls, schools, at major roads, kaya hindi ka mahihirapan sa byahe.

Safe, comfy, at swak sa budget!

Huwag mo nang patagalin!

Message us now para sa full details at free site viewing!

26/02/2025

AXEIA PAYMENT GUIDE ON MONTHLY EQUITY OR MONTHLY DOWNPAYMENT!

14/02/2025

COME HOME TO THE BEST GIFT EVER!

Spread the love and make your loved ones feel extra special this
Valentine's season by having your new home! 💖

Avail and reserve your own Condo here at

📌 The Peak At Le Moubréza Brgy.San Antonio Sto.Tomas Batangas

INQUIRE NOW!

📲 For Tripping & Site Viewing:
📞 09457983522

Chunnel & Channel Realty
𝗣𝗥𝗖 #: 0019746
𝗗𝗛𝗦𝗨𝗗 #: NCR-B-12/21-958

13/02/2025

‼️MURA NA MALAKI PA ANG LOT AREA ‼️

Eto na ang bahay na deserve ng pamilya mo, nandito lang sa White Plains Porac, Pampanga! Madami kang pagpipiliang model house na pasok sa budget mo!

📍Brgy. Salu, Porac, Pampanga

AVAILABLE HOUSE MODEL:
✅Adelpha Single Attached/Duplex - 107 sqm lot area
(*P5,583/mo)

✅Linnea Single Attached - min. 127 sqm lot area
(*P12,125/mo)

✅Jasmine Single Attached/Duplex - 107 sqm lot area
(*P6,583/mo)

✅Tangerine Rowhouse - 45/62 sqm lot area
(*P3,333/mo)

✅ Tangerine Single Detached -107 sqm lot area
(*P6,560/mo)

✅ Carnation Single Detached/Attached - 107 sqm
(*P10,500/mo)

PROJECT AMENITIES:
✅2 Entrance Gates, Clubhouse, Wading Pool, Pond and Footbath Area, Mini Sandbox, Gazebos, Basketball Court, Volleyball Court and Commercial Area

Message us Now!
You can also visit our model units in site with free tripping vehicle!