Monday, May 30, 2016

OFW - HOUSING OWNERSHIP GUIDE HOMEPAGE, LAUNCHING AND IMPLEMENTATION OF OUR TWO FEATURES FOR BUYERS BENEFIT

Kamusta na Kabayan, 

Bago ang lahat, isang paumanhin po sa inyong lahat na mga tagasubaybay natin po dito and it took me a couple of weeks to publish the next article.. malamang inabangan din po ninyo itong susunod po nating topic din... 

Medyo naging busy lang po ang inyong LOLO sa paggabay at sa pagbibigay ng advise sa ating mga kasamahang OFW din po na nagpapatulong din po sa pag avail ng kanilang DreamHome.. 

On our last article, I have already announced the upcoming topic to be published but unfortunately, a change of plan comes up and I believed these two Homepage improvement on features need to implemented first for our Dear Readers convenient on all posted articles.

WELCOME & CLICK ABOVE LIBRARY BUTTON IMAGE

➊ In preparation for upcoming Housing Ownership Guidance Articles that will be posted here, I'm excitedly announcing the launching of our new page, the Library Page, that you will find at the top of this Homepage and that is our 1st improvement...

Click Page NameBUYER AND OFW LIBRARY

Listed below are the name of our pages for your quick references:
Home
OFW - HOUSE AND LOT BUYING TIPS
OFW - ADVISER HOTLINES
BUYER & OFW LIBRARY

➋ Our 2nd Improvement is by launching Google Badge, in order for our readers and visitor to easily get notified of our upcoming Articles and Tips for free. Hit G+ found at Google Badge that found at the upper right hand corner of your screen.

✔ See image below for your convenient:

Get Notified, See Google Badge located at the upper right hand corner of your Screen and Hit G+

And hoping these new improvements and additional features on our Homepage will benefit all our dear readers, on searching a particular article that you are looking for.

If in any case, that you haven't found the answer to your concern or any guidance you are looking in particular, contact us on Facebook:

Facebook Account below, add first once accepted and then you can start to send us your private message:

Just click our names below and it will proceed directly to our FB Account.
✔ Ms. Noreen
✔ Mr. Van

Watch out for our Upcoming Article to be posted here soon: 

Topic in relation to: Property Ownership and How a Complicated Status can avail?

Soon to be posted.. Hit G+ to get notified.. 

  



Sunday, May 8, 2016

HOUSING LOAN REQUIREMENT: PAG-IBIG / HDMF FINANCING; BANK FINANCING AND INHOUSE FINANCING

Kabayan,

Welcome on my another article at #HousingOwnershipGuide.

Lot of buyers really confused about the Housing Loan Requirement, specially for Pag Ibig and Bank Financing. 

Now we will discuss and show to you the difference of Housing Loan Requirement for the following financing institution that are commonly offered in the market today.

1. Pag Ibig Financing, you may see this on most of 1M TCP and below offered in the market, and they have the lowest interest (start at 4.5% interest rate per annum) that they can offered today.

  • Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industria at Gobyerno.

2. Bank Financing, this is a private financing institution that would help to finance the balance of your house and lot package, since this is a private company they are more strict on the requirement needed for the buyer to comply

3. Inhouse Financing, if we are talking for the easiest on housing loan requirements on the documents, Inhouse Financing would really help but not all Developers are offering this. Yet, among the three, Developers offered a highers interest and shorter payment terms.

  • Lots of OFW were considering, Inhouse Financing due to less documents needed to submit.

SSS Housing Loan, basically all the developers now are not offering this financing but you may try to apply it directly to the said agency after the Loan Take Out.




BASIC HOUSING LOAN REQUIREMENT
PAG IBIG HOUSING LOAN REQUIREMENT
BANK HOUSING LOAN REQUIREMENT
INHOUSE HOUSING LOAN REQUIREMENT

Please bare in mind if you belong to Complicated Marital Status, and couple would not agreed to sign the required documents for your housing loan, well Pag-Ibig nor Bank Financing were not applicable to you. Wag pong ipilit.

You may read my next article to be posted on this blog soon. Follow this Blog Page for more upcoming easy tips on "Housing Ownership Guide."

FYI: Balance Payment read below:

PagIbig or HDMF Housing Loan basically has maximum of 30years payment scheme, and it can be shorten depends on your Proof of Income

Bank Financing, has a maximum of 20years payment scheme, and it can be shorten as well same in PagIbig Housing Loan. Also need to depend on your Proof of Income

✔ While Inhouse Financing, has a maximum of 10years payment scheme for the balance.

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