11/01/2026
๐ Dear Clients,
Please donโt be offended when we, as your agents, ask about your income and personal details โ itโs part of the pre-qualification process that helps us guide you to the best property and financing option for your situation. ๐กโจ
So why is pre-qualification important? Letโs break it down:
๐ ๐๐๐
๐ If youโre below 38 years old, you qualify for up to 30 years payment term (lowest monthly amortization).
๐ Pag-IBIG housing loans are only available until age 70.
๐ ๐๐๐ฉ๐๐ ๐ฆ๐ง๐๐ง๐จ๐ฆ
๐ Only Single, Married, or Widowed clients can avail of a housing loan.
๐ If youโre Separated, you must be legally separated. Otherwise, Pag-IBIG or bank loans may not apply unless your ex agrees to provide documents. (Alternative: In-house or Deferred Cash ๐ก).
๐ ๐ก๐๐ง๐จ๐ฅ๐ ๐ข๐ ๐ช๐ข๐ฅ๐
๐ We ask this so we can prepare the right requirements for you. ๐ผ
๐ ๐๐๐ฆ๐๐ ๐ ๐ข๐ก๐ง๐๐๐ฌ ๐ฆ๐๐๐๐ฅ๐ฌ
๐ Each project has different salary brackets depending on location and type. Knowing this ensures we match you with the right property. ๐ฐ
๐ ๐๐ข๐๐๐ ๐๐ ๐ฃ๐๐ข๐ฌ๐๐ ๐ผ๐ฟ ๐ข๐๐ช
๐ Requirements differ for both, so we need to know. โ๏ธ๐ข
๐ ๐ฃ๐๐-๐๐๐๐ ๐ ๐๐ ๐๐๐ฅ?
๐ If you prefer Pag-IBIG Financing (lowest interest rates โค๏ธ), you must be a member.
๐ ๐ฎ๐ฐ ๐ ๐ข๐ก๐ง๐๐ฆ ๐๐ข๐ก๐ง๐ฅ๐๐๐จ๐ง๐๐ข๐ก
๐ Pag-IBIG requires at least 24 months of contributions. Havenโt reached it yet? You can do a lump-sum payment or update your account. ๐
๐ ๐๐๐ฅ๐ฆ๐ง ๐ง๐๐ ๐ ๐ง๐ข ๐๐ฉ๐๐๐?
๐ Please be honest. Those blacklisted by Pag-IBIG are no longer eligible.
โ
Remember: These questions arenโt meant to pry โ this is to help you qualify smoothly and bring you closer to your dream home. ๐ ๐
