๐ฃ๐ช๐๐๐ ๐๐๐ก๐ ๐ ๐๐ ๐ฅ๐๐๐จ๐ก๐? // PHIRST PARK HOMES // CENTURY PHIRST ๐ก
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- ะะฟัะฑะปะธะบะพะฒะฐะฝะพ: 6 ะพะบั 2024
- ๐ฃ๐ฅ๐๐๐ ๐ฅ๐๐ก๐๐๐ฆ, ๐๐ข๐๐๐ง๐๐ข๐ก๐ฆ, & ๐๐ข๐ก๐ง๐๐๐ง ๐๐๐ง๐๐๐๐ฆ ๐๐๐๐ข๐ช โฌ๏ธโฌ๏ธโฌ๏ธ
________
๐ฝ๐๐ ๐๐ ๐๐๐๐๐๐ ๐๐:
โ๏ธ Anong ibig sabihin ng Spot Payment?
โ๏ธ Gaano katagal ang Deferred Cash?
โ๏ธAno yung In-House Financing?
โ๏ธ Pwede ba si PAGIBIG?
โ๏ธ Pwede ba mag refund?
.. ๐๐๐ ๐๐๐๐!!
______________________________
โจ๐ฃ๐๐๐ฅ๐ฆ๐ง โจ
๐ ๐จ๐๐๐๐ ๐๐๐ ๐๐๐๐๐๐๐๐:
Fully-finished units!
Flood Free Areas
Earthquake-Proof
Tight Security
Gated Community
Complete Amenities
๐๐จ๐๐๐๐ ๐๐๐ ๐ฉ๐๐๐๐๐ ๐ท๐๐๐๐๐๐:
Hassle-free title processing
Water & electric installation included
Housing Loan application included
๐๐จ๐๐๐๐ ๐๐๐ ๐ป๐๐๐๐ ๐ช๐๐๐๐๐๐๐ ๐ท๐๐๐๐
INCLUSIVE of Bank Charges
INCLUSIVE of Power Installation
INCLUSIVE of Water Connection
INCLUSIVE of Title Transfer Fee
INCLUSIVE of Move-In Fees
INCLUSIVE of Legal Miscellaneous Fees
โ No Hidden Charges
โ No Separate Payment Fees
______________________________
For project details, latest computation, & site tripping, please message:
๐ฅ๐ข๐ ๐๐ก๐ ๐๐๐๐๐๐๐ฆ - ๐ง๐ข๐ฃ ๐ญ ๐ฆ๐๐๐๐ฆ ๐๐๐๐ก๐ง ๐๐
โ Trusted & Multi-Awarded Sales Agent
โ PRC Accredited & DHSUD Licensed
โ 6 years+ Experience in Real Estate
โ Expertise include: Documentation, After-Sales, Bank Financing
โ Helped hundreds of clients from Reservation, Home Loan Approval, and Turnover
๐ช๐๐๐๐๐๐ ๐ซ๐๐๐๐๐๐:
๐ป FB Page: / phirst.rominababijes
๐ป FB Messenger: m.me/PHIRST.Romina
๐ฒ Viber/ WhatsApp: +639357022822
๐ป Email: rgb.phirst@gmail.com
#PHIRST #phirstparkhomes #RominaBabijes #PhirstRomina
______________________________
Locations:
๐ ๐๐ณ๐ณ๐ผ๐ฟ๐ฑ๐ฎ๐ฏ๐น๐ฒ ๐ฃ๐ฟ๐ผ๐ท๐ฒ๐ฐ๐๐
(PPHI, Phirst Sights, Phirst Impressions)
๐ก Batulao, Batangas
๐ก Lipa, Batangas
๐ก Calamba, Laguna
๐ก San Pablo, Laguna
๐ก Bay, Laguna
๐ก Calauan, Laguna
๐ก Tayabas, Quezon
๐ก Naic, Cavite
๐ก Tanza, Cavite
๐ก General Trias, Cavite
๐ก Baliwag, Bulacan
๐ก Magalang, Pampanga
๐ก Gapan, Nueva Ecija
๐ก Balanga, Bataan
๐ก Hermosa, Bataan
๐ก Bacolod City, Negros Occ.
๐ ๐๐ฒ๐๐ ๐ฉ๐ฎ๐น๐๐ฒ ๐ณ๐ผ๐ฟ ๐ ๐ผ๐ป๐ฒ๐ ๐ฃ๐ฟ๐ผ๐ท๐ฒ๐ฐ๐
๐ก PHIRST Editions Batulao (5mins to Tagaytay)
๐ ๐ฃ๐๐๐ฅ๐ฆ๐ง ๐๐๐ก๐ง๐ฅ๐๐๐ | "๐ก๐๐๐ฎ๐น๐ถ-๐ฆ๐๐๐น๐ฒ" ๐ง๐ผ๐๐ป๐๐ต๐ถ๐ฝ
๐ก Hermosa, Bataan
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PRICE RANGES! ๐
(Disclaimer: These are not fixed. Prices increase from time to time. Best to contact me personally for accurate computations)
๐๐๐๐ข๐ฅ๐๐๐๐๐ ๐ฃ๐ฅ๐ข๐๐๐๐ง๐ฆ:
Bungalow
โ๏ธ BRENNA - 4.5M to 5.1M
โ๏ธ BRENNA Corner - 6.4M
Single Attached Units
โ๏ธ UNNA Regular- 4.5M to 6.7M
โ๏ธ UNNA Corner - 4.9M to 7.2M
โ๏ธ Dua - 2.7M to 3.8M
โ๏ธ Dua Corner - 3M to 3.7M
Townhouse
โ๏ธ Amani Mid (Townhouse inner unit) - 1.5M to 2M
โ๏ธ Amani End (Townhouse end unit) - 1.8M - 3.4M
โ๏ธ Amani End Corner (Townhouse end corner) - 2.3M to 3.7M
โ๏ธ Calista Mid (Townhouse inner unit) -1.7M to 3M
โ๏ธ Calista End (Townhouse end unit) - 2.1M to 6.5M
โ๏ธ Calista End Corner (Townhouse end corner) - 3M to 5.2M
๐ฃ๐ฅ๐๐ ๐๐จ๐ ๐ฃ๐ฅ๐ข๐๐๐๐ง๐ฆ: (PHIRST Editions)
โ๏ธ Cartland - 4.6M to 8.6M
โ๏ธ Cartland Corner - 5.6M to 6.4M
โ๏ธ Charles - 5.8M to 9.5M
โ๏ธ Charles Corner - 7M to 7.9M
โ๏ธ Christie - 7.5M to 14.7M
โ๏ธ Christie Corner - 12M
โ๏ธ Corin - 9.4M to 14.7M
โ๏ธ Corin Corner - 10.8M to 13.2M
๐ฉ โผ๏ธ Important โผ๏ธ
*The bigger the lot, the higher the price
*Prices also vary per project/ location
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Other Vlogs:
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Well explained! Malinaw pa sa tubig na malinaw.
I love how you simplify complex ideas. Thank you for making it easy for us to understand. More power to you Ms. Rom
Wow ang bilis may likes agad haha kaka-upload ko pa lang ๐
๐
Updated kami Rominaโฆ nakaabang hahaha
@@ningcoi Always happy to help po and hope naka-like and subscribe na po tayo ๐
Ganda ng videos โค๏ธ
Ganda ng videos โค๏ธ
More content po sana about in house financing mam specifically sa inooffer ni phirst pra maenlighten kming mga buyers na hindi po nakapasa kay bank..
Will do po ๐
medyo busy lang po ngayon sa documentation kaya hindi sunod sunod yung vlog ๐
Hi Ms. Romina.we reserved a RFO calista end in tanza, that time (oct 2021) it was 60%. We paid DP in october, november and december. According to our agent pwede daw sa pag ibig kahit 60% pa lang. He sent us pics malapit na matapos. Sabi nya nasa Phirst Pag ibig team na application namin, they will just call us. Sabi naman nya ok naman sahod ni mister 80k monthly pero may car loan kami. May credit card din pero laging full payment wala naman namimiss na payment.good credit history. Waiting na lang kami for pag ibig approval..thanks
Hi! โบ๏ธ So glad to hear that! Thank you for sharing ๐
Hoping maging smooth yung loan application mo with Pagibig Fin.
Actually recently ko lang din nalaman na nagbaba pala si PAGIBIG ng required construction percentage nila. Matagal ko na kasi na-shoot yung vlog na 'to hehe ngayon ko lang talaga na-upload ๐
Let me know if gusto niyo ng separate vlog focusing on Pagibig Financing โบ๏ธ Baka isama ko na lang siya sa Payment Terms part 3
what if ma'am ay nag bayad ako ng reservation sa bay laguna then nag back out ako pwede ko po ba makuha ang reservation ko kc wala pa nmn po kmi naisumbit na papers thank you po
@19:56 ang sagot, husay ni Madam, thank you!
Grabe galing mo Mam mag explain ๐ aspiring PHirst Park Homes agent po ako sana makapasa po ako ๐ค
crystal clear, thanks Ms. Romina
Always happy to help po and hope naka-like and subscribe na po tayo ๐
@@PHIRST.Romina paano po kapag 10% DP at 90% sa ika 11th DP nag decide na taasan ang hulog at mag hulog ng additional para lang mabawasan ang amorth sa 90%.
May discount po ba? at ok lang oo ba ung ganon ang gawin?
@@drako9579 Hi Goodday, wala na pong discount yun. Yung discount lang po ni Phirst is para sa mga mag lulumpsum or mag spot payment on the 1st month ๐
Also for approval pa din yung additional payment natin especially if naapply na kayo for bank financing ๐
Kung magkano po kasi yung nakalagay na remaining balance sa official computation sheet niyo, yun po yung iaapply nila kay Bank ๐
Ang possible po mangyari kapag hindi na i-less sa approved loanable amount yung additional payment natin is irererefund na lang. Which, by the way, makukuha niyo lang yung check 2 to 3 weeks after loan takeout.
@@PHIRST.Romina kung lumpsun ko po ang 10% may discount po? halimbawa hindi pa nag 1st DP wala pang 30 days after reservation?
@@drako9579 Yes po meron ๐ The bigger the Spot Payment, the higher the discount ๐
Kindly message me on our Facebook Page if hindi pa tayo nakakakuha kay Phirst ๐ I'd be more than happy to assist you ๐
Here's the link: ruclips.net/channel/UCOqDBs6EYpHUNYpduj3QjPg
If ever we choose the Pag-ibig financing and the possible turn over ng unit is after 2 years year, paano po kaya ang process? Thank you and hoping you noticed this inquiry๐
galing!
Halimbawa po kapatid ko po ang sasalo, need po ba single siya? What if brother ko po, still same po kami ng surname.
Or what if married na po ako by that time, pwede po bang ichange yung contract to Co-buyer?
Hello Ms. Romina! Question po, pwede ba kame magadvance payment/ extra payment towards sa principal balance para makasave sa interest? Specifically sa bank financing. If ever 15 years po ang payment term namin, pwede po ba siya paiklian by paying extra without getting penalty? Thanks in advance :)))
Hi Ms. Shaira ๐
I explained your question on our latest vlog, Hopefully nasagot ko ng maayos yung question natin ๐
Here po yung link: ruclips.net/video/inhtjd_OneY/ะฒะธะดะตะพ.html
Magkno po discount sa spot cash?
mam. romina update blog naman po sa naic. thank you.
what if po tapos na down payment and gusto na ipasalo? paano po process
Hi Ms. Romina how about regarding the amortisation.
Very well said Ms Romina! Sana makabuy ako ng unit at ikaw ang agent ko.
Hello mam! ๐ For inquiries, you can message me on my Facebook page: facebook.com/PHIRSTInternationalRominaandJP
I'd be happy to assist you โบ๏ธ Stay safe po โบ๏ธ
Bakit wala po kayong vid regarding sa phirst calamba
Hi Ms. Romina. I'm one of your subscriber. (Out of content question lang din po). What is the difference between Digital Sales Agent and a Real Estate Agent ni PHirst Park? ๐ Thank you in advance.
By the way, very informative lahat ng content mo. ๐ thank you for giving us idea and information.
Hello! Thank you so much for your patience ๐ Kindly message me directly on our Facebook page so I can assist you properly ๐
Medyo mahirap po kasi mag monitor ng inquiries dito sa channel ๐facebook.com/PHIRSTInternationalRominaandJP/
Hello po. I watched your vlogs about Phirst. Question lang. If ever we choose the Pag-ibig financing and the possible turn over ng unit is next year, paano po kaya ang process? Thank you and hoping you noticed this inquiry๐
Hi Ms. Romina! Mag inquire sana ako sa Phirst Calista Mid sa Batulao. San ba kita pwede imessage?
Hi Goodday ๐
I'm Romina Babijes a Property Investment Specialist of Phirst Park Homes by Century Properties ๐
kindly send me a message po via facebook messenger para mai-send ko yung computation and details ๐
click this link lang po web.facebook.com/PHIRSTInternationalRominaandJP ๐
question: if pagibig is applicable only if 100 is rfo is it ok to do it in inhouse financing just to turnover the unit then will process the paper to pagibig financing.
Hello Ms Romina after po b ng dp 12 months stop n po ung payment? Pwede po b mag tuloy ng dp khit wala pang bank n tumatawag? Thanks po
Hi Ms. Joy ๐
Need niyo lang po icoordinate ito sa agent niyo mam if gusto niyo pa mag-add ng DP ๐Feel free na din po to watch our Payment Terms Part 3 --uploaded last week ๐
hello po.. great explanation po.. =) thankyou so much! nakakalungkot po kasi ung napunta sa aming agent.. iba iba po ung sinasabi haha... buti nalang po andyan po kayo... Mam ask ko po sana pano po ung payment sa bank financing? need po ba kami magopen ng account and lalagyan nalang po ng laman bago ang due date? thank you po
Hi Ms Romina! Question po, what if you are doing a deffered cash , lets say you were doing it for 1yr already ,then hindi mo na kaya bayaran kasi mabigat , pwede mo pa ba iapply ng loan or inhouse yun remaining balance? Sana mapansin nyo po etong question ko. Looking forward to your answer. Thanks!
Hi Ms. KD ๐ Yes, possible naman yun but need siya irequest formally sa head office, and subject for Management's approval ๐
You'll need to coordinate lang this po with your agent so he/she can course through your request with the proper departments โบ๏ธ
Hope this helps mam, stay safe ๐
What if po 80% lang ang approved loan ni bank finance and 10% lang ang DP na paid, pano po kaya ang payment terms ng remaining 10%?
Magiging LD or Loan Difference po siya na pwede i-request maging installment din payable in 6-12months
again for approval yung request na to and ipapalakad niyo ๐
Yung agent ko Hindi nag uupdate eh
Hi Ms, Romina question lang po ano po bang mangyayari upon reservation po tas may unit na for completion nalang po ng requirements tas hindi po umabot don sa sinabi ni agent na date? masasayang po ba un RF na binigay namin ?. ng ka delay lang po sa pay stamp but for other requirements e na submit na po kay agent,
Mam Romina Kung cash payment ilang months o years bago marelease ang original title
makakapag refund pa po kaya kame kc 2months nlang kulang ng papa ko sa DP pero namatay na sya
Hi Miss Romina, I have avail unit for Phirst ask lng po related sa applucation for bank loan.
1. already paid and updated po for downpayment ended January 30, 2022.
2. Mode of monthly downpayment, 10% spot and 10% for 6months
3. Way of payment for 6months as part of downpayment, PDC, nag pasa na po ng 6pcs PDC divided on the balance of 10% downpayment with date every PDC
4. Already deduct every month as PDC with respect on the monthly payment
Question po
1. Ask lng po matagal po ba un aapplication for bank loan even i follow and give requirement on agent for application process.
2. May penalty or interest po ba on the time from the last downpayment, na time na dumadaan, since I do follow up naman din lagi for update, but walang concrete update si agent for the application.
Maraming salamat in advance po miss Romina
Hi Leynard! ๐
Just to clarify, yung question mo ba is kung gaano katagal yung mismong processing time ng Loan Application? Or kung kailan usually inaaplly si buyer for bank financing?
As for your second question, as long as wala ka namang past due or late payment during your DP stage, hindi ka dapat magkaroon ng penalty ๐
Basta after ng DP, stop payment muna tayo until may bank na mag approve ng loan natin. If let say, natapos ka mag DP on January then sa April ka pa nakapag loan takeout, yung February to April mo is wala dapat penalty or interest ๐
Kumbaga pahinga ka lang muna sa monthly payments until maapprove ka kay bank. ๐ Standby lang tayo sa email or text ni bank loan team ๐
hello po ask ko po miss romina Were already donen paying the downpayment of 8 months and already approved na po kami sa bank but sabi nila 3.9m ang kaya lang ni bangko and ung the rest na 450 is sa phirst park na babayaran mismo. Pwede poba yun?
โ@@PHIRST.Romina HI Ma'am Romina, thanks for super supportive answer to the question. nakausap ko na po si Phirst on process na daw po sila, waiting na lng po ako for their advise. Maraming Salamat po
Pwede po ba mag advance to.principal every year if ever mapunta sa inhouse finacing?
Meron po kayong pinakamura sa bulacan?
hi, ask ko lang po pwede po bang pataasan yung bakod ng lot ? and kung ano pong limit ng taas? thanks!
Hi Goodday, yes po pwede pataas up to 1.8Meters
yung current bakod po is nasa 1meter na so .8meter nalang po ๐
as per material na allowed, better po if i-ask na natin siya sa technical team sa site or HOA office sa model units ๐
hope this helps po ๐
Meron din pala tayong vlog about expansion, you might want to check that too ๐
Miss pwede po ba lumipat ng location if nakapag dp na po sa ibang location.. example nakapag dp ako sa pandi then gusto ko lumipat ng gen tri
Hello! Depende po siya, case to case basis. Ask niyo po si niyo agent mam kung pwede kayo mag request ng transfer to other project ๐
hi po. any update po kaya sa pph batualo?thankyou po
Hello! As of today on-going land dev pa din tayo kay Batulao, pero nag start na po tayo ng house construction ngayon sa mga 1st batch ๐
Hi po Maโam. Any chance po na masagot nyo po ang questions ko po dito? Thanks.
@@PHIRST.Romina thankyou po mam. ask lng po pwde po ba mgvisit sa hbng on going yung house construction po? tnx po
May RFO na po Ma'am?
Hi mam Romina, if ever ma'am na mg rereserve n tpos after a month mg momonthly na question po pg yung due date po ng fall ng weekend or holiday pano po adjustment ng payment before or after po ba? if during the dp po mgkaroon ng late payment hm po yung penalty? my grace period po ba bago mgkapenalty?
Maraming Salamat po!
Di naman po agad nag-pepenalty si Phirst, upon submission ng payment magadvice lang kung bakit na-late ๐
Maraming salamat po paano po kaya pg natapat yung due date ng weekend po before or after weeknd npo ba sila mgdededuct pg ganun?
Hi how much sa maligaya end unit
Unna model kya mam s baliuag bulacan mga kailan magkaron ng pre selling?
Hi po base on the buyers guide. In 15-17months matuturn over na yung unit?
5yrs financing yung mode of payment ko if ever naka 2 yrs na ako sa pagbabayad pwede ho bang bayaran ko yung for d whole yr plus yung monthly payment ko para ma listen yung number of yrs?
Tama po ba na mag apply na ng loan sa bank after 6-7 months of DP payment? No need to wait na matapos yung DP term period bago mag apply ng loan? (This is what my agent told me)
And if gusto mo dagdagan yung DP payment on or before the 12th month pwede po ba yun? like mag additional ka ng 10% but full amount na agad ibibigay
this is wrong po ๐
iapply si client after ng downpayment ๐
once makapili na ng payment term yun na po yung i-apply ni phirst sa bank and for approval pa kung pwede mag-add ng dp๐
for approval meaning hindi po siya technically allowed, and possible ma-disapprove yung additional dp ๐
@@PHIRST.Romina thank you for clarifying๐
One more question po, tama naman po na within 7-12 months of DP magstart na yung construction?
@@dinomaee Depende po mam sa Project, Phase and Batch ng unit ๐
Kapag preselling po yung project, around 2 to 3 years ang timeline natin for House Turnover ๐
Kindly check po yung vlog natin about House Turnover / Kailan Pwede Mag Move-in ๐
gawa po kayo ng vlog na matagal na kami hiwalay at nagpakasal sa iba ang asawa ko,,,pwede po ba kami ng anak ko combined ng sahod pero sa anak ko name ng housing loan,,,ako lang po mag aasikaso ng requirements at anak ko lang din magbibigay sa akin ng bayad ng inuutang ko,,,,sana makapasa ako sa uutangin ko
Hi mam ๐ Actually matagal na po tayong my video about your question ๐
Kindly watch our vlog, "Paano pumasa kay bank." ๐ As long as kasama ka po sa title, regardless if ikaw yung principal buyer or co-buyer, kailangan pa din mag submit ng requirements ni ex husband since conjugal property po ang house and lot ๐
Pwede lang po siya hindi isama sa Title kung annulled na kayo and meron na po kayong certificate of finality ๐
paano po malalaman kung legit ang agent?
Hello po! Do banks allow payment to principal? If so, how often and how much and pwedeng i-advance payment to principal? Thank you po!
Kapag po naka fixing period kayo (example promo fixing interest rate : 7% for 5 yrs) d po kayo pwede mag lumpsum payment (direct less to principal) .. pwede lng po is on or before ng ika 5th yr prior irecompute po.. if mas preferred nyo po every yr mag lumpsum, much better na kunin nyo pong fixing yr is 1 yr with standard interest rate pwede po kayo mag lumpsum after a yr prior recomputation.
@@carlynmaenaguit5083 hi, Thank you sa response.
Do these apply to all banks po?
What would be the approach for housing loan on banks for 15 years?
Hi ms. Romina. Ask ko lang po pano kung antayin ko mag 100% ang development ni phirst bago ako mag start para pag-ibig financing nlang ako. Mapapalitan po ba ang unit ko na kinuha o mappunta po ba sa iba.
Kasi OFW po ako .ndi ko po malaman kung bakit .ndi ako ma approved ni bank wala nman po akong negative finding history. Nag offer po si phirst na mag in house financing nlang ako. Sobrang bigat po ksi ng in house
Hello! ๐ You can ask po si agent niyo sir kung naka ilang percent na po ng construction yung unit niyo and also kung kanino pang banks pwede i-apply yung unit niyo ๐
I also recommend na lahat po ng questions natin kay Head Office is via email lahat para formal and mabilis yung reply nila ๐ You can also include our Customers Care sa emails natin para ma-assist din nila kayo.
Hope this helps! Stay safe
Sana po mapansin
Pano kapag naka bank financing ka na po pwede po ba ilipat ito sa pag-ibig.
Please sana po mapansin first time ko kasi.
sa payment po ng amilyar kelan po need na si buyer na po ang magbayad ng amilyar?
Amilyar is after ma-turnover ng unit ๐
@@PHIRST.Romina maraming salamat po sa pagsagot..
As always very informative videos.
Meron kaming scenario baka mabigyan mo kami ng idea or actual answer and para na din sa viewers. Wala kasi kami makita sa vids mo exactly yung gantong scenario.
If you are an OFW and yung father/mother mo nasa pinas to process PHIRST Park Homes documents, then nagpa SPA ka sa Philippine Embassy... may age limit ba ang SPA? Say representative mo is si Father at aged 68 na sya, hindi daw sya pwede pumirma on behalf of me to process documents not really sure why.
The 90% remaining balance ay babayaran naman in CASH at inispecify namin yun sa una pa lang hindi loan financing sa bank so bakit kelangan involve ang requirements ng father lalo na ang age limit nya?
Thanks!
Hello! This is actually a very good question. I've already made a vlog on this last 2020 pero naka private siya and I only send those videos directly to my clients ๐
To answer your question, yes meron pong age limit ang AIF (attorney-in-fact) regardless of the payment term ๐
Ideally around 21 to 50 years old only. If more than 50yo, subject for approval pa siya ni Management ๐
The reasoning behind this policy is because the AIF's role is very important in any Real Estate transaction. They will sign and communicate with the Company and/or Financing Institutions on behalf of the international buyers. The AIF must be able to coordinate and respond quickly as they are the ones representing the buyers abroad. Kailangan po maliksi pa si AIF, marunong mag reply on email and other social media platforms like Viber or Messenger, and if along the process kinailangan pumunta ni AIF to different places like the Head Office and kay bank mismo, he or she can do so. Senior citizens are the ones usually affected by Lockdowns dahil sila po yung pinaka vulnerable and hindi pwedeng lumabas ng house.
If you feel po na capable pa naman si father niyo despite his age, you can ask your agent to make a request ๐ Try using your payment term to justify your request ๐ But again, all requests are still subject for approval.
Hope this helps! Sana nasagot ko yung question natin, stay safe ๐
@@PHIRST.Romina thank you ๐ pinaka consistent na sagot talaga. Always helpful.
Hi sir, replied on your email already ๐
For further concerns, you can contact our Customer Care directly para sila na po mismo yung mag handle and mag forward ng questions natin to our Head Office/ Whichever department is in charge ๐
Here's their email: customercare@phirstparkhomes.com
Hi paano po yung ganitong situation?
BF GF
BF : Primary ngCar Loan ( Gf is Co-maker)
Gf : Primary ng House Loan kay Phirst
----
BF 50K SALARY (NET)
GF 60K SALARY (NET)
Ma aapporve po ba yung GF sa bank Loan
18k DP Done na
13K monthly
Loanable amt : 1.8M
Pasok po ba?
Hello! This is only my take on your case so feel free to ask for second-opinions.
1. Lately hindi na inaallow ni banks ang mag BF/GF as co-buyers, especially if ang reason is for combined income purposes. Dito pa lang, may doubts na ko if ma-aaprove kayo.
2. Regardless if ikaw yung primary buyer or co-buyer lang, as long as may existing loan na kayo, you already have a lower chance na maapprove for a housing loan with Phirst. But again, depende pa din siya sa taas ng salary niyo, sa remaining balance niyo with your other loan, sa payment behavior niyo with your previous loans, so on and so forth. Madami kasing factors na kino-consider si bank when evaluating applicants
3. From what I see, you have 2 best solutions to remedy the situation.
#1. Add a family member/ 1st degree relative (Parent, anak, kapatid) na qualified and may stable job as your co-buyer.
#2. Pwede kayo magdagdag ng malaking downpayment para lumiit lalo yung loanable amount niyo and maybe secure a higher chance of bank approval
Hope this helps! Stay safe ๐
Si GF lng po yung nag apply ng Housing Loan. Di po kasama si BF. and 60K po ang Net salary. Does that change po the situation.
โ@@werdnawiilab18 Yes, as long as any of the buyers have an existing loan, that may or may not affect your loan application with Phirst. Especially if lagi siyang delayed mag bayad ng monthly payments with her other loan
You mention earlier that both of them have an existing car loan?
Hello Miss Romina. Ask lang po sana ako ng help regarding process of amelyar. Totoo po bang sagot ni PHirst ang 1st year and suceedinhg years mga tenants na mag asikaso
Sabi daw po sa Makati mag aasikaso. Tama po ba? If oo, hanggang anong araw po kaya ang Makati office para ma settle na po namin as early as possible.
Thank u in advance po sa sagot nio
Hi Ms. Ramina, inquire lang po... Im planning to reserve a unit with Phirst next month or most probably this year.. Im OFW and im thinking na tapusin nalang existing contract ko until September and syempre kapag nakahanap na ng ibang work... Am i still qualified for the loan even bago palang ako sa work ko? Please help me po. Thank u ๐
Goodday! This is Romina Babijes from Phirst Park Homes ๐
Kindly message me directly on our Facebook page so I can assist you properly and para masendan ko din po kayo ng project details and sample computations ๐
Here po yung link sa fb page natin: web.facebook.com/PHIRSTInternationalRominaandJP/
Looking forward to hearing from you soon! Stay safe โบ๏ธ
Ano max dp pwede mam kay phirst?
Hello How much po magiging monthly Ng Calista Mid thru bank financing for 10years term?
Hi Goodday!
Kindly message me directly on my Facebook Page so I can assist you properly and para masendan din kita ng sample computations / project details โบ๏ธ
web.facebook.com/PHIRSTInternational
Pwede po ba mag refund if nakapag down na ng equity?
Hi po ate mgkakaiba po b tlga ang price kada place gaya ng tanza Mid or Gentri Mid
Hello! Kindly watch our vlog about this. Here's the link: ruclips.net/video/-5DG4s_4kjE/ะฒะธะดะตะพ.html
Hope this helps ๐
Precast po ba mga units ni phirst?
Hi Melvin ๐ You can watch our 2nd to the last video (yung vlog natin about expansion). Doon ko inexplain yung question natin ๐
Hope this helps! Stay safe
Hi miss Romina..declined po daw kasi ako ni bank..so, sa in house po ako napunta, eh hindi ko naman po kaya yung in house kasi malaki po ng percent ng tubo..wala rin naman pk ako pang spot cash..ano po dapat kong gawin? yung agent ko naman po, bihira lang magparamdam..ask ko lang din po na kung mag in house po ako, pwede ba sya ipa move ng 2-3 months after?salamat and more power.
Hi Goodday!
You can check po yung part 3 ng vlog natin since doon ko inexplain yung options ni buyer if hindi siya makapasa kay bank โบ๏ธ About your request naman on when to start your monthly amort kay IHF, I suggest sending your requests and questions directly to our Customer Care and then i-cc niyo na lang si agent. Here po yung email address ni Customer Care: customercare@phirstparkhomes.com
Hope this helps โบ๏ธ Stay safe
Heto po siguro yung nakakatakot, if nakafull DP na tska pa maaasikaso yung loan sa bank, or even machcheck if pasado kay bank. the sad thing is, non-refundable si DP kay phirst park. Lumalabas na the only way to go is in-house financing na sobrang taas nmn ng interest rate. :(
Is there a way for agents na maassure if ang buyer is malaki ang possibility maapprove sa bank para naman hindi kawawa si buyer.
@@paulr.6642 Hi Paul! ๐ Actually lahat naman ng developers is non-refundable din ang DP, hindi lang kay Phirst ๐
I understand po yung fear natin ๐ Normal lang mag worry when investing since lahat naman ng investment, merong risk ๐ Syempre when investing, the less we know the higher the risk. Vice versa, the more informed we are, the lower the risk.
Kaya important talaga na as a buyer, we do our own research din and hindi lang tayo nag rerely sa sinasabi ng agent. Madami na ngayong articles online and vlogs about requirements and qualifications for housing loan. Even tayo meron na ding vlog about this. ("Paano pumasa kay bank" -- upload 2yrs ago) ๐
@@paulr.6642
To answer your question, yes dapat naman talaga marunong din yung agents mag pre-qualify ng clients nila.
Actually yung ginagamit kong pang check if qualified ba talaga si buyer for housing loan is yung mismong parameters ng partnered banks natin ๐ Ako na mismo yung nagsasabi kay client if hindi siya qualified for Bank Financing ๐
Unfortunately hindi kasi lahat ng agents marunong mag qualify and honest sa mga clients nila. May ibang agents na sasabihin lahat ng gusto mong marinig para mag reserve ka even though hindi ka naman pala qualifed.
Kaya lagi ko din sinasabi na research is key. ๐ Sobrang importante ng research before investing kasi it protects us from scenarios like this ๐
Totoo nga po, sana po lahat ng agents katulad niyo. more power po sa inyo.
Sana po ineexplain din yang ng mga agent nag nagbebenta
Hello! Depende din kasi siya kung gaano ka-knowledgeable si agent about sa company or about sa Real Estate as a whole โบ๏ธ
Thank you for watching our vlog po ๐ฅฐ
@@PHIRST.Romina Oo nga po , Ms Romina since wla napo agent ko s Phirst nahihirapan nako makipag commication s Phirst , approved napo bank loan ko but approved loan amount less sa balance ko ky Phirst ng around 400k , my question po is kailan need to ipay ang remaining balance ky Phirst. And pnu po mode of payment nun?
@@cherrymorales3162 Actually yan po yung plan ko na next vlog. "Payment Terms Part 3: Loan Difference" ๐
You can send a request po na bigyan kayo ng 24 months to settle it since medyo malaki yung LD niyo ๐
For payment method po ng loan difference, you need to coordinate directly with our Customer Care and Loan Takeout team ๐
Here po yung email ni Customer Care: customercare@phirstparkhomes.com
Hope this helps! Stay safe
@@PHIRST.Romina maraming salamat po sa info.
Opo Ms Romina ivlog mo din po un kasi lalo na sa mga tulad nmin wla ng agent nmin and abroad pakami super hirap makipag coordinate mga tanung na pde nmn po masagot agad or any idea lng pero waley reply. Even my AIF po mas gusto nmin nakami na nagttanung ng mga importante kasi at the end of the day kami din po mismo magbabayad.
@@cherrymorales3162 I completely agree mam โบ๏ธ No worries, gagawan ko ng vlog yan ๐