Bayswater Houses in Cebu

02/11/2022

HAPPY ALL SOULS DAY 🙏

12/04/2020

HAPPY EASTER TO ALL OF US

25/01/2020

Happy Chinese New Year 2020

13/05/2018

09/04/2017

Happy Palm Sunday...

23/03/2017

To all who are planning to avail a housing/condo loan thru pag-ibig(HDMF) or Bank.
"You are 100% approved if you can just submit these ff. requirements. So don't worry if you are still paying the equity/downpayment for how many months, it is one of the requirements to pay first the equity before the Pagibig/bank letter of guarantee or approval will be released".
✔List of Requirements:
Employees:
1. 2 Valid ID's
2. Latest 3months payslips
3. 4 pcs 1x1 id picture
4.TIN No.
5. Job contract(OFW)
6. Certificate of Employment and Compensation(Locally employed)
7. Birth Cert./Marriage contract(if married)
8. Proof of Billing(Water or electric bills)
9. SPA(Special Power of attorney -if OFW)
Online Business:
1. Paypal/Bank Statement for 6months
2. Certification from Employer
Businessmen:
1. Business Permit
2. Income Tax Return (ITR)
3. Audited Financial Statement
4. Bank Statement for 3months
✔ Note: Basis for 100% Approval
1. Compute
Income Requirements Formula:
Montly amortization x 3.5 = Gross monthly income required(combined income up to 2 co-borrower)
2. No foreclosed housing loan before
3. No bad credit card record...

27/02/2017

Pag ibig housing Loan Requirements:
1. 2 valid id
2. Latest 1month payslip wherein the monthly amortization is not beyond 30% of the Gross Salary (Ex: Monthly Amortization 8,500/month divide to 0.35 (35%) = 24,285.00/month required gross salary)
3. Job contract for OFW / Certificate of Employment for locally employed
4. Birth Certificate if Single/Marriage Contract if Married
5. Proof of billing (Ok ra sa kaila, friend, or pamilya sa buyer no need naka under sa name gyud sa buyer)
6. 1x1 id picture 5pcs
7. No existing foreclosed pag ibig housing loan
8. Up to 3 co-borrowers in case the buyer's income is not sufficient
9. Non-members of Pag ibig are welcome as long as they have income/salary whether business or work.