Hi po! Thank you po for comparing the two, sobrang informative po. 🙏🏻 Just want to clarify po. If ever po na ung seller binebenta po ung bahay nila for 1.8M, tapos pinasok po namin sa Pag-Ibig, ung appraised value po ung babayaran namin? Tama po ba?
Question po, What if the bank release a managers cheque but the property value in DOS is slightly lower than the approve loan amount, ano mangyayari sa difference?
Hi Anj, Usually banks are more generous when it comes to appraising a property but Pagibig is much more lenient when it comes to foreclosing a property or given a more preferential payment terms.
54 year old balikbayan from US marries a 27 year old pinay from Davao. They are now both in the US and she is working with a 3 year job history in US. Wife is a Pag-ibig member. Which loan rules/age limitations apply?
@@RealEstateAlexZeta We we’re there in March this year trying to get a mortgage through PNB, but they just kept throwing roadblocks. We had to have a permanent address, the money has to be there for a certain amount of time….. is there a more receptive institution located in the Davao region that you would recommend?
May tanong po ako, sa home loan po ba need po ng 3 collaterals? Kasi 1st time po namin kukuha ng property, which is Ayala land. Kaso wala naman kami ma provide na colateral. Paano po yung nabayad namin na equity? Is it possible ba na ma disqualified kami sa home loan sa bank? Thank you❤
Hi! It depends on the project is accredited with pagibig. If not, you’ll need to choose among their accredited banks. The loan you’ll be availing is called a home loan
Hi Ma’am Alex, tama po ba intindi ko? Upon, applying for the loan. Both bank and pag-ibig would appraise the property, and it’s lower po sa TCP? TCP po is the price after paying the downpayment?
Hi Cherie. It will depend on where you applied for the loan. Ex if you applied at the bank, that specific bank will appraise the property. The appraised value will depend on the appraiser. Most of the time its lower than the total contract price. But it really depends.
Hi Christian, Yes I think it is possible but I do not have experience yet in transferring from bank to Pagibig. I know that it is possible to transfer from another bank.
Very informative! Follow up question lang po regarding if you wanted to increase the approved loan amount ni bank. You mentioned that you need to have a co borrower po to increase the loan. Is it possible to loan more than the appraised value if kaya naman ng combined income ni borrower and co borrower? Thank you.
Hello Roy. The loan amount is based on 80% of the appraised value for house and lot. Even if you can loan a bigger amount it will still depend on appraised value.
Hi Sasha. If you’ll be applying at BDO then thats ok. But with other banks, they’ll usually ask for PH IDs so your parents will need to apply for dual citizenship
Hello po, ask ko lng po example we plan to have this house and lot, we already paid the equity, the remaining balance is around 3M. For pagibig is there a way that they will grant the whole 3M as loanable amount? As the property value is around 3.9M. Thanks in advance po.
When will the property title be transferred over to my name if with PAG IBIG? Will it be transferred after paying the equity? Or do i have to finish the mortgage before getting the title? Thanks!
The title should be transferred to your name first before you can get a loan. Then it will be held by the loan institution and released upon full payment
@@RealEstateAlexZeta So hindi ko na pwede kunin parents ko as co-borrower? Hanggang anong age ang pwede? I was hoping you would touch on that too pero yung tanong ko lang talaga ang sinagot mo.
Hi Ate Alex! Very nice video! Greetings from Davao de Oro🎉 ❤️ I am married to a foreigner, can he be allowed as my co borrower? Or can my mother in law from his side be my co borrower too? Thank you in advance 🙋❤️
Hi! Whats most important with banks is proof of income. A content creator would be considered self-employed. Reqs for self-employed individuals is ITR and FS (2-3 yrs). So you’ll need to file at BIR so you’ll be able to get this.
Hi ask ko lang nakabili po kasi kami ng bahay as pasalo nakabank po in 7yers nalang medyo malaki ang monthly plano po namin ilipat sa Pagibig possible po ba pwde po? salamat
Hello po, pwde po bang bumili ng foreclosed property sa tulong Ng ibang Bangko. For example Bank A has a foreclosed property but since kulang po pangdown or spot cash Ng buyer, hingi sya Ng help s Bank B to "buy/purchase" the foreclosed property of Bank A. Then ung buyer kay Bank B n magbabayad Ng monthly mortgage? Pwd po b mangyari ito? Naririnig ko po kc s ibang buyers. Thanks
Hi no you cant. The property is the main collateral in getting a home loan. So title needs to be clean. since the property is a foreclosed asset, you’ll need to fully pay it first before you can use it as collateral with another bank. Also, buyers need to pay a portion of the total contract price in equity as the bank wont loan the entire amount.
Question po, requirements po sa co-borrowers for bank financing. How many are allowed? Age reqs? Same din ba with principal buyer. Pwede din ba non-relatives
For bank financing, you can have several coborrowers. I’m not sure if theres a maximum number but 2-3 other coborrowers are allowed. Same requirements. If married, both spouses will submit the same reqs.
What do u mean by "Fixing Period" ma'am,.? Like sa PAG-IBIG 6.5%-5 year Fixing period,.? 6.5% na ung interest nya for the whole 5years,.? na hindi na sya 6.5% annually,.?
Salamat po sa mga information ,nabanggit po ninyo na d puedeng mag loan ang foreigner sa Phil Banks? ???meron po. kame nagustuhan condo sa SMDC,,Fairview,sabe ng agent puede mag loan sa BDO Canada Branch; sa palagay ninyo puede bang Iprocess ang loan application dto??? ??
Hello Jay. Yes foreigners cannot get a home loan. But if you’re Filipino born but migrated to another country and became a citizen there, you’ll just need to apply for dual citizenship so you can get a loan
New subscriber here maam .. Ask ko lang po . Makaka loan po ba ako sa Pag-ibig kung ang scenario po ay nka employed po ako . Pero di po naghuhulog si employer kay Pag ibig pero sa dati ko pong work ay more than 24months na po ang naihulog ko . Paano po kaya ako makakaloan ? Pede po kaya yun kahit ndi naghuhulog si employer ?
Hi Jaron. Pls contact me on viber +63 917 851 2752 so we can discuss the process. In general, before you can loan you’ll need to be a pagibig member and update your contribution.
Hi Ma'am, can I ask if it is possible po ba na ma approved ung housing loan lot purchase ko sa pag ibig even may basic pay is 20k only government employee po ako and may existing salary loan pa po ako from bank na dinededuct sa payslip ko. balak po sana namin mag asawa icocoborrower ko sya gov't. employee rin po sya then basic pay nya po ay 30k but may mga existing salary loans rin po sya. net pay na po ba namin ang pag babasihan ni pag ibig?
Q1: Yung possible po ba na ma-loan pwede po pwede combined salary ni principal and co-borrower to get a higher loan amount? Q2: Si Co-borrower po to get qualified sa pagibig is at least 24 months na nag huhulog as a member? If not, lumpsum ng 24 months to qualified as co-borrower?
Hi, Paano po sila mag check ng credit history kung nakatira po sya sa ibang bansa at walang po syang bank sa pinas? Kailangan po bang mag open muna ng bank account sa pinas?
Hi maam ask lang. May pasalo sakin bahay. Binibenta nya ng 150k. Ngayon wala pa po ako pera. Pwde ko kaya i apply yun sa pag ibig. Cash at yung nalang ibabayad ko sa nagpapasalo
Maam, i am 51 yrs. Old retired and receiving a lifetime pension of 35k monthly from my former employer. Can i still be eligible for a bank housing loan?
maam panu po kya un namatay na ung borrower under bank financing,, pwede po kaya mabago ung terms, like pwede kyang bayaran na, kc mdami sya nakuha sa mga insurance
Hi mam thanks po sa info. Mam ask ko lang may client kasi ako interested bumili ng property kaya lang 74 years old na sya may way ba or alternative para maaprove sya s pag ibig or bank. Thanks mam
Hi mam,ask ko lang po. May kukuhanin kasi akong house and lot at iloloan ko either bank or pag ibig. Nandito ako s singapore working as domestic helper un amount n kukuhanin kong iloloan nasa 923k. Gusto ko po sana mga 5yrs to pay lang kaya nmn ng sahod okay po b un?o may income amount ang pag approved bago makaloan?the more longer time ang loan more interest din. Salamat po s sagot
Good day! Pwede po ba for instance yung mama ko po is OFW and then sya po yung ibabase namin for income kasi walang work yung father ko...pero sya yung may PAG-IBIG na account po. Bali si yung father ko po yung magpoprocess kasi wala yung mother ko dito sa Pinas
Yes thats ok. If the borrower is a married couple, automatic na combined income ang i-consider ng bank/pagibig. Your mom will be main borrower while your father is the co-borrower. She will need to sign an SPA fr pagibig designating your father as the atty-in-fact so he can sign all docs on her behalf.
Can i ask, for instance I have loan in pag-ibig 800K for 5yrs to pay. Then, my MA is 23K the time I'm paying my MA I got savings of 100K is it possible na maghulog ako para sa principal loan ko para mabawasan at lumiit ang utang?
Hi! Yes you can do advance payments. With the some banks, it needs to be done on the same amortization date so the whole amount will be deducted from the principal. Just check if its the same for pagibig
New subscriber here Mam good day po may tanung lang po aq Inhouse po kasi kami sa bel air lipa ang balance po ng bahay po namin is 1,680,000 n lng po. Nag start po kami ng inhouse financing ng july 2020 14% interest rate, monthly po namin is ₱22,374. nung nakita po namin yung client ledger, breakdown po kasi yun ng mga hinulog namin. Sa 15 months po nming pghuhulog ang nabwas lang po is almost 50k lng kya po ang naging balance namin is ₱1,631,000. Nung nakita po namin yung breakdown nakita po namin dun na kinukuha nilang interes monthly is 19k po at 3k lng ang nababawas sa balanse po namin sa bahay normal po ba yun?? sana po matulungan niu po kami salamat po.
In house financing has really high interest rate thats why i don’t recommend it to my clients. Bank and pagibig has 6-7% interest only. Best to try to transfer your financing because especially sa start of the payments, you’ll end up paying more for the interest
Hi ma'am, ask ko lang once natapos na po yung equity ng kinuhang bahay then approved na po ng bank para sa financing. Pwede pa po ba ko mag advance payment to principal para po mapaikli yung years of term and mapaliit yung loanable amount ng wala masyadong interest?
Hi maam, What are the requirements for a former Filipino who is already naturalized in another country? Can we Loan to PAGIBIG if the purpose is for the construction of an apartment? If yes what type of loan? What are the application forms that we need to submit? Thank you in advance.
Hello, yes you can get a construction loan. However, you'll need to apply for dual citizenship. For a list of the requirements, please email me at Alex.Zeta@TWRGroup.PH
Hi po, i have question po maam. Is it possible po na maiapply sa housing loan in bank or pagibig ang clean title land? Here is the case: Mayroon po kaming gustong lupa ng family ko, gusto po namin bilhin pero kulang po ang on hand cash namin. Naisipan po namin kung pwede kami makapaghousing loan para makuha yung land. Yung may ari po nung land ay hindi po developer, bibilhin namin siya directly sa tao po. If ever po, magiging second owner kami. Possible po kaya na maiapply yun sa housing loan? And if ever po how and any tips po? Thank you much in advance Maam Alex 😊♥️
@@RealEstateAlexZeta possible po b equity loan and rights holder plng? i have a friend selling his condo unit under downpayment. and would like to loan his cash out of 1.2M.
Hi Baby, the reason why I speak in english so that I can reach a wider audience since some foreigners need the same information we Filipinos need when it comes to real estate processes in our country. I can do tagalog but I’ll need to put subs and that will double my workload.
Hi Jeffrey, the reason why I speak in english is para I can reach a wider audience. I can also include foreigners that wants to know the real estate process here in our country and since nkakaintindi nmn mostly mga pinoy ng english so it's a win-win situation.
@@RealEstateAlexZeta pasok po Yan sinasabi po nyo kng d po pagibig loan Ang topic po nyo at kng real estate investment po for international pno po maiiaaply Ng iba lahi po Yan kng d nmn po pngintermational Ang pgibig.pra lng po sa buong pilipino yan.nkita nyo po at iba p financial advisers n mttaas npo subscribers. Pg Tagalog ,malinaw especially po sa d nmn po bihasa mkaintinde English..sorry mam but pasosyal effect po KC dating pg gnyan po.be proud Filipino.
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Well explained. Thanks for the video
Your welcome!
thank you for this clip , makes it so clear to understand.....😇
Glad it was helpful!
this is a great video, thank your Alex.
Welcome!
Thanks for sharing your knowledge!! Malaking tulog sa amin. Thanks.😍😍😍
Thank you, Glad it's helpful :)
Wow, thank you for sharing that information. I have learned a lot from you tonight. I'll check your other videos. Keep up the good work.
Welcome!
andame kong natutunan lalo na kkuha nako ng condo at plano kong mag pagibig loan salamat po,at dahil jan nag subscribed ako
Thank you. Glad you find it helpful.
Very thorough!!! The most straightforward explanation for bank and pag-ibig housing loan. ❤
Thank you!
Highly informative. Oustanding!
Thank you John
Thanks for making videos like this! Learned a lot 🙂
Your welcome ☺️
Thank you! This is very informative! :)
Welcome!
Great video Alex .. thanks
Thanks cholly!
I prefer pagibig because of its lower interest rate and packaged na with MRI ang home loan. My home loan with pagibig has 5.25% interest rate. 😌
Thank You... Do you have a sample monthly amortization ?
Hi Jun. It will vary depending on loan amount. Pls contact me at TrulyWealthyAlex@gmail.com.
Hi po! Thank you po for comparing the two, sobrang informative po. 🙏🏻 Just want to clarify po.
If ever po na ung seller binebenta po ung bahay nila for 1.8M, tapos pinasok po namin sa Pag-Ibig, ung appraised value po ung babayaran namin? Tama po ba?
Welcome!
The basis of payment will be the selling price of the seller. The appraised value is the basis on the loanable amount
Question po, What if the bank release a managers cheque but the property value in DOS is slightly lower than the approve loan amount, ano mangyayari sa difference?
The bank will release the MC directly to the seller. So its up to the seller and buyer to make an agreement regarding that.
@@RealEstateAlexZeta Thank you.
Hi. Which appraise higher? Pag-ibig or banks?
Hi Anj,
Usually banks are more generous when it comes to appraising a property but Pagibig is much more lenient when it comes to foreclosing a property or given a more preferential payment terms.
Hi Ms Alex.
Is it possible po ba to have and existing pag ibig housing loan and then get a bank financing for another property?
Hi Randel. Yes. You may get multiple home loans as long as your income is sufficient to pay off these loans
54 year old balikbayan from US marries a 27 year old pinay from Davao. They are now both in the US and she is working with a 3 year job history in US. Wife is a Pag-ibig member. Which loan rules/age limitations apply?
The loan term can be stretched due to pinay’s age. Best way to confirm loan term is to try applying to your preferred loan institution
@@RealEstateAlexZeta We we’re there in March this year trying to get a mortgage through PNB, but they just kept throwing roadblocks. We had to have a permanent address, the money has to be there for a certain amount of time….. is there a more receptive institution located in the Davao region that you would recommend?
For Pag ibig financing, does it need to be employed for like 2 years? What if less than a year?
You don’t need to be employed for 2 years since they will only ask for 3 mos pay slips.
@@RealEstateAlexZeta thank you!
May tanong po ako, sa home loan po ba need po ng 3 collaterals? Kasi 1st time po namin kukuha ng property, which is Ayala land. Kaso wala naman kami ma provide na colateral. Paano po yung nabayad namin na equity? Is it possible ba na ma disqualified kami sa home loan sa bank? Thank you❤
Hi! You need 1 collateral per loan. You can have the bank screen you prior to reservation to check if you’ll get approved
what kind of pag ibig loan if I want to buy a condo under downpayment?
Hi! It depends on the project is accredited with pagibig. If not, you’ll need to choose among their accredited banks. The loan you’ll be availing is called a home loan
Hi Ma’am Alex, tama po ba intindi ko? Upon, applying for the loan. Both bank and pag-ibig would appraise the property, and it’s lower po sa TCP? TCP po is the price after paying the downpayment?
Hi Cherie. It will depend on where you applied for the loan. Ex if you applied at the bank, that specific bank will appraise the property. The appraised value will depend on the appraiser. Most of the time its lower than the total contract price. But it really depends.
good day mam. very informative video. just a question is it possible to transfer an existing loan in a bank to pag ibig.?
Hi Christian,
Yes I think it is possible but I do not have experience yet in transferring from bank to Pagibig. I know that it is possible to transfer from another bank.
Very informative! Dahil dyan ay subscribe ako.
Ask ko Lang po Kung ano po Yung Meaning ng Acronym CTS para po sa pag-ibig Resales
Thanks John!
Contract to sell :)
Ano po ibig sabihin ng 6.5% fixed interest rate, ibig po bang sabihin after ng ilang years tataas pa ang interest niya?
Yes. It may either increase or decrease after the lock in period, depending on the prevailing interest rate.
Very informative! Follow up question lang po regarding if you wanted to increase the approved loan amount ni bank. You mentioned that you need to have a co borrower po to increase the loan. Is it possible to loan more than the appraised value if kaya naman ng combined income ni borrower and co borrower? Thank you.
Hello Roy. The loan amount is based on 80% of the appraised value for house and lot. Even if you can loan a bigger amount it will still depend on appraised value.
Hi! What if my parents are US citizens while ako po is PH citizen, can they still be a coborrower?
Hi Sasha. If you’ll be applying at BDO then thats ok. But with other banks, they’ll usually ask for PH IDs so your parents will need to apply for dual citizenship
Hello po, ask ko lng po example we plan to have this house and lot, we already paid the equity, the remaining balance is around 3M. For pagibig is there a way that they will grant the whole 3M as loanable amount? As the property value is around 3.9M.
Thanks in advance po.
Co-borrower can also be your wife po for pagibig loan?
You’ll need to have the property appraised by pagibig so you’ll know how much you can loan
Spouse is automatically a co-borrower
If appraisal po is 2.5m lng po. Then since may co borrower, so possible ba maloan ang whole 3M?
I hope masagot toh. Almost same scenario namin ni wife ngayon.:)
@@alvinreyquirol pagibig will grant 80% of the appraised value.
Is it correct that the max. no. of years one can avail for home loan for lots is 15 yrs?
Hi for some banks you can ask them for a 20 year max loan but usually the max term is 15 years for lots.
When will the property title be transferred over to my name if with PAG IBIG? Will it be transferred after paying the equity? Or do i have to finish the mortgage before getting the title? Thanks!
The title should be transferred to your name first before you can get a loan. Then it will be held by the loan institution and released upon full payment
May age limit ba sa co-borrower? Ang naiisip kong kunin na co-borrower ay isa sa parents ko pero above 60 na age niya (not yet 65).
Hi. Both borrowers and co-borrowers may age limit
@@RealEstateAlexZeta So hindi ko na pwede kunin parents ko as co-borrower? Hanggang anong age ang pwede? I was hoping you would touch on that too pero yung tanong ko lang talaga ang sinagot mo.
Hi Ate Alex! Very nice video! Greetings from Davao de Oro🎉 ❤️ I am married to a foreigner, can he be allowed as my co borrower? Or can my mother in law from his side be my co borrower too?
Thank you in advance 🙋❤️
Hi Zari! Thanks! Yes. If married, the income of both spouses will be considered by bank :)
Ask ko po. sa bank housing loan, pag na approve ang loan kanino ipapangalan ang title ng property, sa bank or sa borrower?
The title will be in the borrowers name but it will be held by the bank as collateral.
@@RealEstateAlexZeta After ma approve ang loan, nasa kanino hawak ang titulo po, nasa bank or hawak ni borrower?
@@sailfromsurigao I think hawak ni bank ang title.
Hi ma’am i have a cancelled credit card sa BPI will it be a cause for pagibig to disapprove my housing loan? Thank you
Have you fully settled your credit card bill?
Hi thank you for the response, its not yet settled e but I’ve been trying to reach out to the collections agency but still get no response.
may chance ba ang content creator na makapag homeloan?
Hi! Whats most important with banks is proof of income. A content creator would be considered self-employed. Reqs for self-employed individuals is ITR and FS (2-3 yrs). So you’ll need to file at BIR so you’ll be able to get this.
Hi ask ko lang nakabili po kasi kami ng bahay as pasalo nakabank po in 7yers nalang medyo malaki ang monthly plano po namin ilipat sa Pagibig possible po ba pwde po? salamat
Hi Lara. I don’t think pagibig does loan take outs. Other banks do that though. you can check which banks have low interest rate
Hello po, pwde po bang bumili ng foreclosed property sa tulong Ng ibang Bangko. For example Bank A has a foreclosed property but since kulang po pangdown or spot cash Ng buyer, hingi sya Ng help s Bank B to "buy/purchase" the foreclosed property of Bank A. Then ung buyer kay Bank B n magbabayad Ng monthly mortgage? Pwd
po b mangyari ito? Naririnig ko po kc s ibang buyers. Thanks
Hi no you cant. The property is the main collateral in getting a home loan. So title needs to be clean. since the property is a foreclosed asset, you’ll need to fully pay it first before you can use it as collateral with another bank. Also, buyers need to pay a portion of the total contract price in equity as the bank wont loan the entire amount.
Question po, requirements po sa co-borrowers for bank financing. How many are allowed? Age reqs? Same din ba with principal buyer. Pwede din ba non-relatives
For bank financing, you can have several coborrowers. I’m not sure if theres a maximum number but 2-3 other coborrowers are allowed. Same requirements. If married, both spouses will submit the same reqs.
What do u mean by "Fixing Period" ma'am,.? Like sa PAG-IBIG 6.5%-5 year Fixing period,.? 6.5% na ung interest nya for the whole 5years,.? na hindi na sya 6.5% annually,.?
Meaning its “fixed” for a certain period of time
Hi! Its 6.5% anually, fixed for 5 years. Meaning it wont increase or decrease for the next 5 years. It will stay at the same rate.
hello po maam. tanong kulang po pde ba ang anak magloan sa pag ibig para sa house extension.
Yes you can apply for a home improvement loan.
Salamat po sa mga information ,nabanggit po ninyo na d puedeng mag loan ang foreigner sa Phil Banks? ???meron po. kame nagustuhan condo sa SMDC,,Fairview,sabe ng agent puede mag loan sa BDO Canada Branch; sa palagay ninyo puede bang Iprocess ang loan application dto??? ??
Hello Jay. Yes foreigners cannot get a home loan. But if you’re Filipino born but migrated to another country and became a citizen there, you’ll just need to apply for dual citizenship so you can get a loan
@@RealEstateAlexZeta ma'am sabe po
ng agent puede daw kase me branch dto sa Canada ang BDO
Puede po. ba yon, pls tulungAn mo kame ,God Bless
What if I’m a coborrower at a bank for my sister? Can I apply for a housing loan in Pag Ibig?
It will depend on the amount you want to loan and your gross monthly income since you already have an existing loan
Pwde din po b s bank ng advance payment applied to principal??
Yes it can be applied to the principal depending on when you pay it
Question po,Pano kapag yung kinatatayuan/pagpapatayuan ng bahay ay walang right of way?
Hi Jhaye. Have you tried talking to the owners of the property blocking yours reg right of way?
ask ko.lang gurl,,panu.kung wla akong cash gus2 ng bibilhan.ko n bhay cash,,pede bang un.pagibig mag release ng cash s bibilhan.kong bhay,,
Hi Blue. You can loan 80% of the appraised value. You’ll still need to save up cash for the downpayment which is around 20%
New subscriber here maam ..
Ask ko lang po . Makaka loan po ba ako sa Pag-ibig kung ang scenario po ay nka employed po ako . Pero di po naghuhulog si employer kay Pag ibig pero sa dati ko pong work ay more than 24months na po ang naihulog ko .
Paano po kaya ako makakaloan ?
Pede po kaya yun kahit ndi naghuhulog si employer ?
Hi Jaron. Pls contact me on viber +63 917 851 2752 so we can discuss the process. In general, before you can loan you’ll need to be a pagibig member and update your contribution.
Hi Ma'am, can I ask if it is possible po ba na ma approved ung housing loan lot purchase ko sa pag ibig even may basic pay is 20k only government employee po ako and may existing salary loan pa po ako from bank na dinededuct sa payslip ko. balak po sana namin mag asawa icocoborrower ko sya gov't. employee rin po sya then basic pay nya po ay 30k but may mga existing salary loans rin po sya. net pay na po ba namin ang pag babasihan ni pag ibig?
Hi Krislie. Kindly send me an email so I calculate your maximum loanable amount.
Q1: Yung possible po ba na ma-loan pwede po pwede combined salary ni principal and co-borrower to get a higher loan amount?
Q2: Si Co-borrower po to get qualified sa pagibig is at least 24 months na nag huhulog as a member? If not, lumpsum ng 24 months to qualified as co-borrower?
Hi Patrick. Yes. You can increase loanable amount by getting a co-borrower.
I am foreigner but my wife from ph can get loan from bank if we are in abroad after this covid issue
Yes. Since your wife is a filipina she can get a home loan
Hi, Paano po sila mag check ng credit history kung nakatira po sya sa ibang bansa at walang po syang bank sa pinas? Kailangan po bang mag open muna ng bank account sa pinas?
Hi Alpha. Banks has a centralized database for checking your credit history/score.
Hi maam ask lang. May pasalo sakin bahay. Binibenta nya ng 150k. Ngayon wala pa po ako pera. Pwde ko kaya i apply yun sa pag ibig. Cash at yung nalang ibabayad ko sa nagpapasalo
Hi! You’ll need to pay the downpayment in cash then for the balance, you’ll be the one to continue paying for it at the bank or pagibig.
@@RealEstateAlexZeta thank you po
What if I’m 25 the principal and my father is 64 can we still have a 20 yr term loan?
Hello Love. best to check with bank your loan term.
Can I get a bank housing loan without my husband being with me in the Philippines?I am a Philippines citizen
Hi Juliet. Yes you can. But you need an spa from your spouse so you can sign on his behalf
Maam, i am 51 yrs. Old retired and receiving a lifetime pension of 35k monthly from my former employer. Can i still be eligible for a bank housing loan?
Hi. Banks eligible age for home loan is up to 65 years. Pagibig is up to 5 years.
maam panu po kya un namatay na ung borrower under bank financing,, pwede po kaya mabago ung terms, like pwede kyang bayaran na, kc mdami sya nakuha sa mga insurance
What if po
Im a filipino and my wife is american ok lng kaya mag apply pag ibig housing loan po.
Hi. Yes you can loan Vins. As long as you’re a Fil citizen
Hi mam thanks po sa info. Mam ask ko lang may client kasi ako interested bumili ng property kaya lang 74 years old na sya may way ba or alternative para maaprove sya s pag ibig or bank. Thanks mam
Hi Ronel. Please contact me at +63 917 851 2752 or TrulyWealthyAlex@gmail.com for a property consultation
Hi mam,ask ko lang po. May kukuhanin kasi akong house and lot at iloloan ko either bank or pag ibig. Nandito ako s singapore working as domestic helper un amount n kukuhanin kong iloloan nasa 923k. Gusto ko po sana mga 5yrs to pay lang kaya nmn ng sahod okay po b un?o may income amount ang pag approved bago makaloan?the more longer time ang loan more interest din. Salamat po s sagot
Hi Marife. Pls contact me at +63 917 851 2752 (viber) so we can discuss.
Good day! Pwede po ba for instance yung mama ko po is OFW and then sya po yung ibabase namin for income kasi walang work yung father ko...pero sya yung may PAG-IBIG na account po. Bali si yung father ko po yung magpoprocess kasi wala yung mother ko dito sa Pinas
Yes thats ok. If the borrower is a married couple, automatic na combined income ang i-consider ng bank/pagibig. Your mom will be main borrower while your father is the co-borrower. She will need to sign an SPA fr pagibig designating your father as the atty-in-fact so he can sign all docs on her behalf.
Can i ask, for instance I have loan in pag-ibig 800K for 5yrs to pay. Then, my MA is 23K the time I'm paying my MA I got savings of 100K is it possible na maghulog ako para sa principal loan ko para mabawasan at lumiit ang utang?
Hi! Yes you can do advance payments. With the some banks, it needs to be done on the same amortization date so the whole amount will be deducted from the principal. Just check if its the same for pagibig
@@RealEstateAlexZeta thank you dear💕
New subscriber here
Mam good day po may tanung lang po aq
Inhouse po kasi kami sa bel air lipa
ang balance po ng bahay po namin is 1,680,000 n lng po. Nag start po kami ng inhouse financing ng july 2020 14% interest rate, monthly po namin is ₱22,374. nung nakita po namin yung client ledger, breakdown po kasi yun ng mga hinulog namin. Sa 15 months po nming pghuhulog ang nabwas lang po is almost 50k lng kya po ang naging balance namin is ₱1,631,000. Nung nakita po namin yung breakdown nakita po namin dun na kinukuha nilang interes monthly is 19k po at 3k lng ang nababawas sa balanse po namin sa bahay normal po ba yun?? sana po matulungan niu po kami salamat po.
In house financing has really high interest rate thats why i don’t recommend it to my clients. Bank and pagibig has 6-7% interest only. Best to try to transfer your financing because especially sa start of the payments, you’ll end up paying more for the interest
Hi ma'am, ask ko lang once natapos na po yung equity ng kinuhang bahay then approved na po ng bank para sa financing. Pwede pa po ba ko mag advance payment to principal para po mapaikli yung years of term and mapaliit yung loanable amount ng wala masyadong interest?
Yes. You can do advance payments at the bank. Just inform the bank
Hi maam,
What are the requirements for a former Filipino who is already naturalized in another country?
Can we Loan to PAGIBIG if the purpose is for the construction of an apartment? If yes what type of loan?
What are the application forms that we need to submit?
Thank you in advance.
Hello, yes you can get a construction loan. However, you'll need to apply for dual citizenship. For a list of the requirements, please email me at Alex.Zeta@TWRGroup.PH
How much is the required salary when applying to either Bank or Pag-Ibig Housing Loan if the new TCP after the downpayment is 4,700,000. Thank you ☺
Hi John. Its around 125k/mo for a 15 years at 6.5% interest
Hi po, i have question po maam. Is it possible po na maiapply sa housing loan in bank or pagibig ang clean title land?
Here is the case:
Mayroon po kaming gustong lupa ng family ko, gusto po namin bilhin pero kulang po ang on hand cash namin. Naisipan po namin kung pwede kami makapaghousing loan para makuha yung land. Yung may ari po nung land ay hindi po developer, bibilhin namin siya directly sa tao po. If ever po, magiging second owner kami. Possible po kaya na maiapply yun sa housing loan? And if ever po how and any tips po? Thank you much in advance Maam Alex 😊♥️
Yes, the property owner can get an equity loan from the bank as long as the title is clean and buyer is qualified.
@@RealEstateAlexZeta pede po bang long term loan? Sa bank? Iniisip ko na umutang sa bangko then bayaran ko lahat sa pagibig
@@RealEstateAlexZeta possible po b equity loan and rights holder plng? i have a friend selling his condo unit under downpayment. and would like to loan his cash out of 1.2M.
ate sana magtagalog ka na lng kasi pilipino ka naman hindi ka amerikana…why don’t u used ur own language…
Hi Baby, the reason why I speak in english so that I can reach a wider audience since some foreigners need the same information we Filipinos need when it comes to real estate processes in our country. I can do tagalog but I’ll need to put subs and that will double my workload.
Mam mgtagalog k nlng bka dumami p subscribers mu tulad nla chinkee tan at iba pa financial advisers.
Hi Jeffrey, the reason why I speak in english is para I can reach a wider audience. I can also include foreigners that wants to know the real estate process here in our country and since nkakaintindi nmn mostly mga pinoy ng english so it's a win-win situation.
@@RealEstateAlexZeta pasok po Yan sinasabi po nyo kng d po pagibig loan Ang topic po nyo at kng real estate investment po for international pno po maiiaaply Ng iba lahi po Yan kng d nmn po pngintermational Ang pgibig.pra lng po sa buong pilipino yan.nkita nyo po at iba p financial advisers n mttaas npo subscribers. Pg Tagalog ,malinaw especially po sa d nmn po bihasa mkaintinde English..sorry mam but pasosyal effect po KC dating pg gnyan po.be proud Filipino.