19/01/2026
๐ช๐ต๐ฎ๐ ๐ถ๐ณ ๐บ๐ฎ-๐ฑ๐ฒ๐ฐ๐น๐ถ๐ป๐ฒ? ๐ง๐ต๐ฒ ๐บ๐ผ๐๐ ๐ฐ๐ผ๐บ๐บ๐ผ๐ป ๐ณ๐ฒ๐ฎ๐ฟ ๐ผ๐ณ ๐ต๐ผ๐บ๐ฒ๐ฏ๐๐๐ฒ๐ฟ๐. ๐ฐ Here are the reasons kung bakit pwedeng ma-disapprove ang housing loan mo. ๐ง
1. Hindi sapat ang income. Mas mababa ang monthly income kumpara sa required amortization.
2. Hindi stable ang employment. Kulang sa tenure or madalas magpalit ng trabaho.
3. May existing loans or mataas ang utang. Car loan, personal loan, credit cards na mataas ang balance.
4. Negative credit history (for Bank loans). Ito yung mga past due loans or late payments.
5. Incomplete or incorrect documents. Kulang o mali ang payslips, COE, ITR, bank statements, etc.
6. Issues sa co-borrower. May bad credit ang napiling co-borrower at hindi stable ang income.
7. Insufficient Pag-IBIG contributions (for Pag-IBIG loans). Kulang sa required number of contributions.
8. Blacklisted sa bank o Pag-IBIG. Dahil sa previous housing loan problems.