Sir good evening po kung amg sweldo po Ay Nasa 19tausand po …però amg edad ay 59amg Hal aga ng housing ay nasa 1.3million… magkano ho amg magiging monthly ? Salamat pki sagot po
Hi Sir.. Naka 3 videos mo na ang napanood ko hehe. Grabeh tuwang tuwa ako sa explanations mo. Ang linis at malinaw na naka detalye ang bawat sinasabe mo.. Sobrang nakakatulong tlaga ang mga videos mo tungkol sa Pagibig housing loan Maraming Thank you po and Godbless
Salamat...sa mga kagaya nmin na mababa lang Ang pinag aralan at kulang sa kaalaman tungkol sa pag ibig loan napkalaking tulong Ang video mo ..God bless you..
Sensya na po at mahina kasi ako sa Math. Paano po kung ang sweldo ko ay 70K monthly pero mag-43 years old nako, magkano po kaya ang pwede ko ma-loan para sa housing?
@@RalfRogerTagao sir 37 na po ako gsto ko mag loan sa pag ibig ng 3m. My contract ako pero walang payslip.dito ako sa uk around 130k sahod ko buwan buwan.ano po ba gagawin. Mwron po ako bank statment na nagpapatunay na ganyan po sahod ko monthly. Thank u
@@jeffyorodioperalta4187 hindi po nagpapaloan ang Pagibig ng cash. housing loan po at nakadepende na un sa price ng bahay na kukunin nyo. let say 2Million loanable amount ng bahay tpos even qualified naman kyo sa 3million housing loan, hanggang 2million lng ung loan amount na pwede. so nakadepende yan sa bahay na bibilhin po ninyo
Very clear explanation po Sir and direct to the point. Learning so much from you po. Thanks so much for sharing your valuable insights and knowledge! Stay blessed!
sinumarize ko lng po yan. no need naman po na makuha nyo pa po ang details. pag nag avail po kyo ng bahay, meron na pong computation na binibigay ang developer
@@limetche3208 hindi po nagpapaloan ng pera agad agad si Pagibig. pag home construction loan, on a reimbursement basis ang Pagibig depende na sa napagawa mo. ang logic ksi nun, baka sa iba gamitin if pera agad ang ipaloan ni Pagibig. gaya sa mga housing projects, si Developer muna magpatayo ng bahay bago magpaloan si Pagibig. subukan nyo pong mag direct mismo sa Pagibig
Hi sir. Ask ko lng bakit yung mga pinagtanungan ko ng sample computation na may loanable amount na 950k is almost 6.3k a month samantalang 5.9k lng sa video mo sir.
Question for Ralp: My parents are retired from the US and they are both collecting Annuity Pensions, IRA and Social Security Retirement pay for a total of about $77, 800 USD. Both are american citizens . Dad is pure American & my Mom was born in the Philippines & has dual citizenship. They are both in their mid 60's. My question is, can they buy a house at that age in the PI (with a loan)& if so how much house can they buy, down payment, etc.? Thanks! Justin
Hi Sir Justin. If thru Pagibig financing, an applicant must not be more than 65 years old at the time of processing of loan. and maturity of loan is at maximum 70 years old. meaning if they are 60 years old and they will loan a house, max is 10 years term.
First off , thank you for your response! We are a bit disappointed that the financing companies in the Philippines is almost saying straight to your face, you're too old to buy a house so we can't finance you. As I said they are both retired so they are 65 years old and just wanted to enjoy their remaining golden years in my Mom's country. I'm sorry; however, the financing rules that you just quoted is discriminatory! These will not remotely happen here in the USA.
Good day po ano po pwede kong i apply s loan s pag ibig po..bale po hindi pa kasi natapos bahay namin nag ka short budget lng po...slmt sir actve member po ako s pag ibig ofw po ako..slmt sir
Something I learned recently is that isang factor lng ang sweldo at edad the other factor is the value of the actual property. Kahit malaki ang sweldo mo eh mababa lng ang value ng property hindi din ganun kalaki ang e aapprove ni pag ibig
yes po Basic Salary. okay lng po naman if may mga deductions. basta po kaya pa naman ninyo ang monthly. updated video po nito, ruclips.net/video/VuNfkuVm5_U/видео.html
Sir Ralf, good day. Nabanggit nyo po na based po sa monthly salary AND halaga ng bahay na bilihin, paano po malaman yung value nun?? Need po ba ipaappraise muna or Pag-Ibig na po ang magappraise ng property? salamat po
Bro makaka rent to own ba kahit walang income documents or coe.. pero good credit history sa bank ng ilang years at credit history? Sa online lng kase kumikita pero minimum 2k daily income in 4 years straight na.. at maganda ang pinapasok sa bank or bank statements of accounts...
Is it possible na yung loanable amount hindi 100% mapprove ni pagibig at magkaroon ng loan difference. Although pasok naman yung sahod dun sa desired loan amount?
Salamat Sir mdami akong natutunan dto. Na approve nrn an 3 Kong bahay. Akla ko ndi pede. Pede pla bsta kya ng sahod. God bless and more power sa Y. channel nyo.
Pwede po bang gawing cash tapos ikuha ng house and lot sa iba? Halimbawa kung pwede kami at kaya namin 1,150,000.. ikuha namin ng sanlang tira sa iba.. or gamiting pang patayo ng bahay sa lot na meron kami?
nahinto po sa amortization ng housing loan? or Pagibig contribution? pag contribution, update lng po. pero if sa loan, un po ang critical, baka maforeclosed ang property
Sir may katanungan po ako,,, kailan po ba ako pwede ulit kumuha ng bahay,, 10-11k monthly salary ko,,kumha ako nung 2019 ng bahay,ngayun po eh pinauupahan ko po yun ngayun,,,, pwede pa rin po ba ko kumuha ng house ulit ?
Galing ng explanation , gusto ko sana kaya lang hindi ako qualify sa edad pero qualified ako sa income kasi retired US citizen ako na may pension na 45 K pesos a month 😊
if new employee po kyo at tingin nyo naman mareregular kyo later on, I suggest po na kumuha kyo ng Preselling status project, ung matagal pang maprocess.
Sir, medyo hindi po kasi ako knowledgeable about this topic, ask ko lang po sana if hanggang magkano ang pwede i-loan kapag may 50k po na monthly salary?
question po nag apply po kasi ako ng bahay, rowhouse po sya tapos po ang presyo eh nasa 970k po. since 20k po ang basic salary ko pwede po ba yun ma cover ng pag ibig as buo? pa 29yrs. old palang po ako this year 2023
Factor po ba ang pagiging regular employee.? refering to the stability of the income. Imean, pag regular employee approve agad, pag hindi nman, pasible ma decline.
isang factor na regular employee ka dpat pero another factor eh dpat qualified ka in terms of requirements and required salary based sa kinukuha mong property
Sir thanks po sa helpful tips, pero diko po sure kung nabanggit nyo yung sa downpayment. Need po ba mag down and how much po yung minimum amount? And kelan mopo pwede makuha or matirahan ang bahay?
Salamat sir! Hindi lahat ng tao mabait at may talino na nagsshare ng kanilang talent! GOD BLESS Sir
salamat din po
Thank you sir....nxtme nlang p0 ako mgttanong..
Ralf Roger C. Tagao - RRCT sir applicable po ba yan sa mga OFW ?
Sir 20,000 po ba ang monthly ng salary kung ganun po pwde po ako halos sasahod po ako sa 1month bg 22 or 24 or 20 salitan lng po jasi per hyahe po ako
Sir good evening po kung amg sweldo po Ay Nasa 19tausand po …però amg edad ay 59amg Hal aga ng housing ay nasa 1.3million… magkano ho amg magiging monthly ? Salamat pki sagot po
Hi Sir.. Naka 3 videos mo na ang napanood ko hehe. Grabeh tuwang tuwa ako sa explanations mo. Ang linis at malinaw na naka detalye ang bawat sinasabe mo..
Sobrang nakakatulong tlaga ang mga videos mo tungkol sa Pagibig housing loan
Maraming Thank you po and Godbless
salamat Sir Mark
Very clear explanation. Hindi na ko naghanap sa iba pati hindi ko na to inulit. Thank you po sir!
thanks
very helpful pra sa mga nagpaplano makakuha ng sariling bahay.
Godbless to you sir and sa mga nanonood po neto.
thank you po, you can watch my other videos po especially ung mga bago. thanks
You are underrated sir! Grabe ang galing ng pagkaka-explain ninyo 😌
Thank you po sir for sharing your knowledge.God bless po🙏
This is very good. Highly recommended
thanks
Salamat...sa mga kagaya nmin na mababa lang Ang pinag aralan at kulang sa kaalaman tungkol sa pag ibig loan napkalaking tulong Ang video mo ..God bless you..
salamat din po
Sensya na po at mahina kasi ako sa Math.
Paano po kung ang sweldo ko ay 70K monthly pero mag-43 years old nako, magkano po kaya ang pwede ko ma-loan para sa housing?
Informative! Thank you! I have been wanting to know about Pag-ibig housing loan.
thanks
Hi sir, is it possible to get two loans if our salary can?
Paanu mag apply nang pag ibig ser
ang galing at napakaclear mong mag-explain sir😊
Thanks
Tama. Dapat marami manood neto at mainform. Napaka informative walang paligoy ligoy.
@@RalfRogerTagao sir 37 na po ako gsto ko mag loan sa pag ibig ng 3m. My contract ako pero walang payslip.dito ako sa uk around 130k sahod ko buwan buwan.ano po ba gagawin. Mwron po ako bank statment na nagpapatunay na ganyan po sahod ko monthly. Thank u
@@jeffyorodioperalta4187 hindi po nagpapaloan ang Pagibig ng cash. housing loan po at nakadepende na un sa price ng bahay na kukunin nyo. let say 2Million loanable amount ng bahay tpos even qualified naman kyo sa 3million housing loan, hanggang 2million lng ung loan amount na pwede. so nakadepende yan sa bahay na bibilhin po ninyo
@@RalfRogerTagao sir puedi ba i loan 200k lang ?
Very informative... Thank you, Sir! 👍👍
thank you din po
Thank you sir ngayon nalaman ko kung anong bracket ang i loan ko s Pag ibig.. Salamat s info.. Keep up the good share po..
Salamat sir sobrang clear ang explaination mo sayo lang ako nkaintindi ng maayos
maraming salamat
Very clear explanation po Sir and direct to the point. Learning so much from you po. Thanks so much for sharing your valuable insights and knowledge! Stay blessed!
I salute to you sir..thank you..so much..
Thanks Ms. Emily
Thank you for this wonderful video!
you're welcome po
Paano nman po ung interest sir? After 3years ba.baba ang interest dba po ang interest is 6.375% after 3years ba magbabago ang interest?
@@charlieumlas3520 p>
Super linaw ng mga explanation mo sir sa bawat video mo.. super laking tulong sa mga nakakapanood . .
maraming salamat
Excellent Mr. Roger. Very informative video. Short yet concise. Continue sharing financial tips to our fellow Filipinos.
Good explanation sir
Pwede mo ba ishare yang spreadsheet na yan? Saan nmin pwede idownload? Salamat po
sinumarize ko lng po yan. no need naman po na makuha nyo pa po ang details. pag nag avail po kyo ng bahay, meron na pong computation na binibigay ang developer
@@RalfRogerTagao
New Subie here po.. Pwede ba Magloan sa pag ibig pera ang kukunin mo at ikaw na magpapatayo ng bahay
@@limetche3208 hindi po nagpapaloan ng pera agad agad si Pagibig. pag home construction loan, on a reimbursement basis ang Pagibig depende na sa napagawa mo. ang logic ksi nun, baka sa iba gamitin if pera agad ang ipaloan ni Pagibig. gaya sa mga housing projects, si Developer muna magpatayo ng bahay bago magpaloan si Pagibig. subukan nyo pong mag direct mismo sa Pagibig
@@RalfRogerTagao
OK po at Maraming salamat sa Info.
Hi sir. Ask ko lng bakit yung mga pinagtanungan ko ng sample computation na may loanable amount na 950k is almost 6.3k a month samantalang 5.9k lng sa video mo sir.
Question for Ralp:
My parents are retired from the US and they are both collecting Annuity Pensions, IRA and Social Security Retirement pay for a total of about $77, 800 USD. Both are american citizens . Dad is pure American & my Mom was born in the Philippines & has dual citizenship. They are both in their mid 60's. My question is, can they buy a house at that age in the PI (with a loan)& if so how much house can they buy, down payment, etc.? Thanks! Justin
Hi Sir Justin. If thru Pagibig financing, an applicant must not be more than 65 years old at the time of processing of loan. and maturity of loan is at maximum 70 years old. meaning if they are 60 years old and they will loan a house, max is 10 years term.
First off , thank you for your response! We are a bit disappointed that the financing companies in the Philippines is almost saying straight to your face, you're too old to buy a house so we can't finance you. As I said they are both retired so they are 65 years old and just wanted to enjoy their remaining golden years in my Mom's country. I'm sorry; however, the financing rules that you just quoted is discriminatory! These will not remotely happen here in the USA.
Good day po ano po pwede kong i apply s loan s pag ibig po..bale po hindi pa kasi natapos bahay namin nag ka short budget lng po...slmt sir actve member po ako s pag ibig ofw po ako..slmt sir
Something I learned recently is that isang factor lng ang sweldo at edad the other factor is the value of the actual property. Kahit malaki ang sweldo mo eh mababa lng ang value ng property hindi din ganun kalaki ang e aapprove ni pag ibig
Thank you po, im researching everything para pag nagkafamily na ako sarili
Basic salary po ang basis ng approval ? Pano po kung maraming deductions? Bababa po ba ang magiging loanable amount?
yes po Basic Salary. okay lng po naman if may mga deductions. basta po kaya pa naman ninyo ang monthly. updated video po nito, ruclips.net/video/VuNfkuVm5_U/видео.html
Sir pls also discuss ano ung mga added fees pag kukuha ng bahay like yung insurance,title fee,processing fee.ano ano pa po ba ieexpect.
Sir Ralf, good day. Nabanggit nyo po na based po sa monthly salary AND halaga ng bahay na bilihin, paano po malaman yung value nun?? Need po ba ipaappraise muna or Pag-Ibig na po ang magappraise ng property? salamat po
Thank you po sa paliwanag nalinawan ako kahit papaano..
you're welcome po
loved your video presentation. madaling maintindihan at the same time educational. thank you
maraming salamat
Ang galing. Direct yung explanation
thanks
malaking tulong po itong video nyo., actually lahat ng video nyo sir
thank you
Andami ko nang napanood na vlogs about dito pero ito lang yung sumagot sa mga tanong ko!!! THank you for this video!!
thanks. you can watch my recent videos
thank u po medyo naiintindihan kna po☺️
alright po
Thank you so much sir very impormative god bless
Most welcome
Salamat sa pagpapaliwanag. 😍
walang anuman. salamat din
First time ko manuod. Pero dami ko ng natutunan dahil vid. Nato❤ 😊
thank you
Salamat po sa info. Naliwanagan ako dun sa 6M. God bless!
welcome
Salamat, sa paliwanag😍
Bro makaka rent to own ba kahit walang income documents or coe.. pero good credit history sa bank ng ilang years at credit history? Sa online lng kase kumikita pero minimum 2k daily income in 4 years straight na.. at maganda ang pinapasok sa bank or bank statements of accounts...
Thank you Sir for sharing the information.😊
Is it possible na yung loanable amount hindi 100% mapprove ni pagibig at magkaroon ng loan difference. Although pasok naman yung sahod dun sa desired loan amount?
hindi nagpapahousing loan ng 100% ang Pagibig. sa typical na mga housing projects, nakaset na ang loan amount kaya mostly ay may Equity/downpayment
Applicable pa po ba to until now? 4 years ago na po ano?
ung concept ay the same. if magbago po ung interest rate, mababago ng kaunti ung figures
nice nice complete eto gusto kong malaman.
Thank u very informative
very helpfull po..ito yung sagut sa tanung ko❤
Maraming salamat
Thanks 4 the nice video lods! God blessed
Sobrang direct to the point. Feeling ko naloko ako shet
Paano nman po pag house improvement?tapos sa parents yong bahay
Thank you! been looking for this kind of infos
you're welcome
Gusto ko pong kumuha Ng bahay kahit raw house lang po Kasi nangungupahan lang po Ako pano po kaya gagawin sir
thankz po sir...ambilis intindihin nang paliwanag mo...
thank you
Applicable parin po ba itong mga figures na ito sa 2023?
Nice. Direct / straight forward pa.
thanks
Salamat Sir mdami akong natutunan dto. Na approve nrn an 3 Kong bahay. Akla ko ndi pede. Pede pla bsta kya ng sahod. God bless and more power sa Y. channel nyo.
alright po. congrats
salamat sa video mo nakaka buhay ng loob para magka bahay.
alright po. welcome
very helpful😇 thank you so much for the clear explanation🙏
Glad it was helpful! you're welcome
Thank you po Sir for sharing!
Welcome!
hello po. may i know your source for the table you presented? or can we see how it was computed?
Computation ng Monthly Amortization
ruclips.net/video/AujAhNXFAgc/видео.html
Ty sir . Napaka linaw ng pag explain niyo po .
thank you
Thank you very much for your information sir
welcome
Sir paano po kung wala pang work business lang kami pwede pa din po ba kaming mag avail ng housing loan sa Pag-ibig?
Salamat po, sobrang nkakatulong po ito sakin ngayon. Ganda ng paliwanag
you're welcome po
pasok sa banga ang explanation ninyo, sir.. salamat po😊
salamat
Pwede po bang gawing cash tapos ikuha ng house and lot sa iba? Halimbawa kung pwede kami at kaya namin 1,150,000.. ikuha namin ng sanlang tira sa iba.. or gamiting pang patayo ng bahay sa lot na meron kami?
Hello S' Ralf, applicable po din itong computation for Pag-ibig house loan construction? Thank you po.
yes halos same concept po yan. nagbabago lng po yan depende kung ano na ung interest rate na gagamitin.
Hi! Thanks for sharing I've got idea about getting house thru pag-ibig!
New subscriber here!
Glad it was helpful! you can also check this other video of mine, ruclips.net/video/yW6t_bDnwS4/видео.html
Thank this video is so helpful! By any chance sir do you know if nahinto ka is they any payment needed?
nahinto po sa amortization ng housing loan? or Pagibig contribution? pag contribution, update lng po. pero if sa loan, un po ang critical, baka maforeclosed ang property
Thank you Sir.
ask ko lng po kng 25k a month ang income , match ba sya sa 1.8m na iloloan?
sana po masagot.
Salamat sir. malaking tulong talaga to.
thank you
Sir iba ba tong computation na to if I apply for house reconstruction tnx from 2023 :)
thank you for summarizing the pagibig loan hahahaha this really help me a lot for starters like me
Glad it was helpful!
Thank you, sir!
Welcome!
Paano po un 90k ang sahod magkano po ang magiging loan po ng ganyan
mraming salamat sir God bless and more power
thanks and welcome po
Sir Roger. Pano po pag-mag-aavail ng 2nd house & lot? Which on going p rin yung 1st housing loan. Thank you
magpapaevaluate po kyo if pwede pa ang inyong salary. may impact ksi ang first housing loan.
Sir may katanungan po ako,,, kailan po ba ako pwede ulit kumuha ng bahay,, 10-11k monthly salary ko,,kumha ako nung 2019 ng bahay,ngayun po eh pinauupahan ko po yun ngayun,,,, pwede pa rin po ba ko kumuha ng house ulit ?
if nasakop na ung salary nyo dati, medyo alanganin na po. unless malaki ung salary na kaya pa
sir paano kapag lote lang po, yung kasya lang po ang kubo
sir ganda ng video studio setup mo.
sa dati pa po naming tinitirhan yan. di po yan studio sir.
thanks for this informative video. nagdagdagan pa yung knowledge ko about PAGIBIG. more powers sir! godbless!
thank you po
Galing ng explanation , gusto ko sana kaya lang hindi ako qualify sa edad pero qualified ako sa income kasi retired US citizen ako na may pension na 45 K pesos a month 😊
alright po.
Hi Sir, may updated list na po ba kayo nito? Or ganito pa rin po yun system? Thanks.
how about di pa regular employee Sir? applicable lang ba to sa mga regular employee or permanent?
if new employee po kyo at tingin nyo naman mareregular kyo later on, I suggest po na kumuha kyo ng Preselling status project, ung matagal pang maprocess.
Nice! Salamat sir!
you're welcome po
What if po kung my pagibig housing loan k po maapektuhn po b un kung mg loan Ng SSS housing loan
Thank you Sir! Na intindihan ko na.
you're welcome
Salamat po! Very informative! God bless po. Meron po ba kayong updated video na gaya nito na angkop ngayong year 2020?
Mabilis na pagcompute ng Housing Loan based sa iyong Salary|Tips on Buying a House Philippines
ruclips.net/video/j7YBbJDDWKI/видео.html
Sir, medyo hindi po kasi ako knowledgeable about this topic, ask ko lang po sana if hanggang magkano ang pwede i-loan kapag may 50k po na monthly salary?
Love it ❤❤
Nakakatuwa naman to! God Bless sir.
Ayus yan may natutunan ako
question po nag apply po kasi ako ng bahay, rowhouse po sya tapos po ang presyo eh nasa 970k po. since 20k po ang basic salary ko pwede po ba yun ma cover ng pag ibig as buo? pa 29yrs. old palang po ako this year 2023
Grabe. Tito na nga talaga ako. Nanonood na ko ng mga ganitong vids hahahaha
hehehe
May updated price po ba nito sir? Adjustment for inflation po sana. Thanks sir! Great video
Factor po ba ang pagiging regular employee.? refering to the stability of the income. Imean, pag regular employee approve agad, pag hindi nman, pasible ma decline.
isang factor na regular employee ka dpat pero another factor eh dpat qualified ka in terms of requirements and required salary based sa kinukuha mong property
Sir ano po yong principal and interest at monthly amortization?
The best ka sir. Very helpful video. God bless you more!
thank you po
Sir Ralf 19,000/month po ang salary q may balak po aqng magloan ng 1million, possible po kya maapproved. Ipangbibili q kc ng haus na binebenta samin.
Salamat sa info
Info ko lang sau sir
Para 90s itchura ng video mo pati datingan mo sir galing kba sa nakaraan
pasensya na boss at ganyan lng ang ating nakayanan.
Galing mo kuya...
Dami ko natutunan sayo...
Sir thanks po sa helpful tips, pero diko po sure kung nabanggit nyo yung sa downpayment. Need po ba mag down and how much po yung minimum amount? And kelan mopo pwede makuha or matirahan ang bahay?
madami po akong video, discussing the details of it. etong video na ito ay para lng sa loan amount. check my other videos po.thanks