24/04/2026
๐ฃ๐๐ฒ๐ฑ๐ฒ ๐ฏ๐ฎ ๐๐ฎ๐น๐ฎ๐ด๐ฎ๐ป๐ด ๐บ๐ฎ๐ด-๐ฎ๐ฑ๐๐ฎ๐ป๐ฐ๐ฒ ๐ฝ๐ฎ๐๐บ๐ฒ๐ป๐ ๐๐ฎ ๐ฝ๐ฟ๐ถ๐ป๐ฐ๐ถ๐ฝ๐ฎ๐น ๐ป๐ด ๐ต๐ผ๐๐๐ถ๐ป๐ด ๐น๐ผ๐ฎ๐ป ๐ธ๐ฎ๐ฝ๐ฎ๐ด ๐ฏ๐ฎ๐ป๐ธ ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ป๐ด?
๐ฌ๐๐ฆ, possible siya.
Pero may konting conditions, depende sa bank and sa contract mo.
So ganito siya usually nagwo-work.
๐ ๐๐ฅ๐ฉ๐๐ค๐ฃ ๐ฃ๐ช๐ข๐๐๐ง 1: ๐๐ง๐๐ฃ๐๐๐ฅ๐๐ก ๐ฅ๐ง๐๐ฅ๐๐ฎ๐ข๐๐ฃ๐ฉ.
Meaning, bukod sa monthly amortization mo, you can pay extraโand yung extra na โyon, directly ibabawas sa principal loan amount.
๐ผ๐ฃ๐ค๐ฃ๐ ๐๐๐ฃ๐๐๐๐ฉ ๐ฃ๐๐ฉ๐ค?
โ
Mas maliit yung interest na babayaran mo
โ
Pwede ring mas mapabilis matapos yung loan mo
๐ ๐๐ฅ๐ฉ๐๐ค๐ฃ ๐ฃ๐ช๐ข๐๐๐ง ๐ฉ๐ฌ๐ค: ๐๐๐ง๐ฉ๐๐๐ก ๐ค๐ง ๐๐ช๐ก๐ก ๐ก๐ค๐๐ฃ ๐ฅ๐ง๐-๐ฉ๐๐ง๐ข๐๐ฃ๐๐ฉ๐๐ค๐ฃ.
Ito naman kapag may malaking lump sum ka and gusto mong bawasan or totally tapusin yung loan mo earlier than expected.
๐ฃ๐ฒ๐ฟ๐ผ ๐ต๐ฒ๐ฟ๐ฒโ๐ ๐๐ต๐ฒ ๐ฐ๐ฎ๐๐ฐ๐ต - ๐ถ๐บ๐ฝ๐ผ๐ฟ๐๐ฎ๐ป๐ โ๐๐ผ ๐ต๐ฎ.
โ ๏ธ ๐พ๐๐๐๐ ๐ฎ๐ค๐ช๐ง ๐๐๐ญ๐๐-๐ง๐๐ฉ๐ ๐ค๐ง ๐ก๐ค๐๐ -๐๐ฃ ๐ฅ๐๐ง๐๐ค๐..
Usually 1 to 5 years โyan.
Kapag nasa loob ka pa ng period na โto, may banks na:
โ may prepayment penalty
โ or hindi pa allowed mag-advance sa principal
โ ๏ธ ๐๐๐ฎ ๐ฅ๐ค๐จ๐จ๐๐๐ก๐ ๐๐๐๐จ.
Some banks charge around 1% to 5% of the amount youโre paying in advance.
โ ๏ธ ๐๐๐ฎ ๐ข๐๐ฃ๐๐ข๐ช๐ข ๐๐ข๐ค๐ช๐ฃ๐ฉ.
Hindi pwede barya-barya. Usually may minimum like โฑ50k or โฑ100k.
๐ ๐ผ๐๐ ๐๐บ๐ฝ๐ผ๐ฟ๐๐ฎ๐ป๐
๐ Always tell the bank:
โApply this payment to the principal, not to future amortizations.โ
Kasi kapag hindi mo โyan sinabi, baka i-advance lang nila yung next months. Sayang yung strategy mo.
๐๐ผ๐ผ๐ฑ ๐ป๐ฒ๐๐?
๐ฆ Most banks in the Philippines allow thisโBDO, BPI, Metrobank, Security Bank, RCBCโpero iba-iba ang rules, so always ask.
So if ang goal mo is:
โ๏ธ makatipid sa interest
โ๏ธ mas maagang matapos ang housing loan
โ๏ธ or maging smarter with your payments
Then ๐ฝ๐ฟ๐ถ๐ป๐ฐ๐ถ๐ฝ๐ฎ๐น ๐ฝ๐ฟ๐ฒ๐ฝ๐ฎ๐๐บ๐ฒ๐ป๐ is something you should definitely consider.
Want to know more? ๐ ๐๐ฆ๐ฆ๐๐๐ ๐ ๐ ๐ก๐ข๐ช
RIZZA FORMILOZA | Territorial Specialist
โ๏ธ +639505422766
๐ฉ [email protected]
PRC | DHSUD - REGISTERED