Ang mali is dapat may go signal muna ang bank for the loan, dapat documented yun, even before the developer asks you for any payment. Ang naiipit is yung mga buyers pag nakapag down na at lahat sa developer tapos biglang disapproved ng bank. Sobrang unfair nun, may threat agad na hindi ibabalik ng developer yung binayad. Walang sense talaga na no refund no refund na yan. So the better info we need is to tell everyone what to do if ireject ng bank ang loan at naka pag down na ang buyer.
@@honeychile5393 That's totally wrong. Firstly, I'm not telling the developer to scrutinize an individual's financial capability, hindi naman nila forte yun and they shouldn't. The point you missed is that BEFORE the developer has the right to demand from an individual ANY payment for the property, the individual MUST have documented approval from the bank first. I mean, can anyone guarantee a bank loan approval? No. The developer nor the bank can give a guarantee prior to the processing of the loan. Granting approval of a loan is not a privilege nor a right, it's given only if the bank deems an individual to be worthy of the risks, so it's up to the bank. To just simply say "it's a personal responsibility" is putting people under unnecessary risk. It's like you are saying banks MUST give an individual a loan if the person ticks all the required boxes. Then what about others who are in good financial standing but STILL are rejected for a loan? Again, it is up to the banks to decide whether to give you a loan or not, it is not a right of a citizen and one won't have a guarantee of an approval even if he/she is financially capable and in good credit standing. Other countries practice this, in the UK, before a property is to be paid for, you must have a certificate from the bank granting you approval of the mortgage. This REMOVES the risk from the buyer prior to making any payments for the property and it makes perfect sense. Why would you shell out significant amounts of money on a property that's not even guaranteed to be yours? Nakalgay pa sa contracts na non-refundable yung payment. TOTALLY UNFAIR and ONE-SIDED. People are forced to sign and take a huge risk that they shouldn't if they want to own a property through a mortgage.
Pa advice naman po ako please. Binigyan nlng kami ng developer sa nakuha namin na bahay ng 1 month extension para ma approve yung bank house loan application namin. Pag di pa din dw po ma approve ma forfeit yung equity na binayad namin na worth 600k 🥲 Ano po dawat namin na gagawin. Na assume namin yung house September 15, 2022 nag apply kami sa PNB it took 3 months para sa application namin pero disapproved lng pala. We immediately applied RCBC and now waiting for approval. Ano po dapat naming gagawin incase di pa rin po ma approve sa RCBC? 😥🥲 na dedepressed na po ako kakaisip. 8 months pregnant po pala ako now. Sana po may makatulong. Developer is Priland po. Maraming salamat!
@@rvkrides7081 sorry to hear that, we've been there to some degree kaya i can understand the feeling. since i don't really know specifics of your case, only practical thing i would suggest is to assume the worst to be prepared. better talk to a lawyer na and try to research how to get in touch with the HSAC pero consult a lawyer muna, para malaman mo how you can defend yourself vs the developer. kasi as far as i know you can only assume and move in the property once cleared na yung bank loan. not sure if you're already living in the property. it may be a good or bad thing on your part if that is the case, so talk to a lawyer. also, avoid big banks when applying for a loan, they are a pain in the ass to deal with and will treat you like sh*t. try the smaller banks and pressure your agent to assist you. best case scenario pa rin is i-go ng rcbc on time. but if the worst happens, find the best way to at least get your money back in full or at least most of it. the consultation with the lawyer should at least give you a few ways to deal with it so you can have realistic options.
Pa advice naman po ako please. Binigyan nlng kami ng developer sa nakuha namin na bahay ng 1 month extension para ma approve yung bank house loan application namin. Pag di pa din dw po ma approve ma forfeit yung equity na binayad namin na worth 600k 🥲 Ano po dawat namin na gagawin. Na assume namin yung house September 15, 2022 nag apply kami sa PNB it took 3 months para sa application namin pero disapproved lng pala. We immediately applied RCBC and now waiting for approval. Ano po dapat naming gagawin incase di pa rin po ma approve sa RCBC? 😥🥲 na dedepressed na po ako kakaisip. 8 months pregnant po pala ako now. Sana po may makatulong. Developer is Priland po. Maraming salamat po.
Paano po kaya sir if example for CI na then declined. Paano po yung binayad na reservation fee sa developer? Di ba po dapat ibalik nila kahit na sabihin nila non-refundable since sila din naman ang nagdecline?
If the employer wasnt able to answer the email or calls of pag ibig, what to do next. Due to this, a housing loan is disapproved. Can the borrower reapply or what are the other best options?
I have defaulted credit cards during my early married years (20 years ago) but financially capable right now and ready to pay off my debts. Question: if I take out a home loan to purchase my home, will the bank reject my application?
Hi Sir, pag nag CCI po ba si bank, do they check if may mga existing bank loans si borrower (like installment na credit to cash) ? Pero goodpayer naman si borrower, possible po bang di ma approver for bank housing loan?
panu pag nahingi SI houseingbloan ng email . tapos SI company sa Taiwan d raw nag provide ng email personal daw Yun contact number lng daw pwede nila I provide
Good day! Sir Chris. question paano po kaya if contract of service (status) of my work. Then yung Certificate of Employment ay naka indicate na every quarter lang nirerenew.. So may factor ba to para ma approve pre bank loan? thank you.
hello sir! what if may defaulted cards, tapos nag apply ng housing loan sa rural bank, may chance kaya (maski mababa) na ma-approve kasi yung bbilhing property naman ang mismong collateral? salamat nang marami!
Ask ko lang sana may makasagot. Pwede ba magloan ng house construction sa bank if yunh lot ay under financing pa at hinuhulugan pa sa bank? Bali magloloan for both lot at the same time house construction. Kapag linoan ang lot nakaninu ang titulo? Sa bank or saken? Pwede bang gawing collateral ang lote na hinuhulugan pa?
Hello sir! Build your bank account. Means with the same bank you are getting the loan? Or can be with other banks? Bcoz d loan will depend on kung sino un bank can give you the best interest so mostly not same your bank where your savings was kept even you have enough number but ayaw mo lang galawin for other purpske. Salamt po!
@@ChrisSuarezRealEstate Any bank means even I have savings at bank A, this is still good as build your bank account. Kahit sa bank B aq kkuhaa ng loan because of lowest interest? So no need ng to tranafer the account.. Slamat po ng mrami!
what if may home credit po ako na may palta for 1-2 month pero na settle naman and paid full, would that effect my approval from pagibig? another question, mauuna po ba talaga ang downpayment and then CIC and backround check? paano kung nakapagbayad na ng downpayment tapos di pala naaprove?
Hi, nice informative video. :) Can i request contact details of anyone you know in CCAP? I was told i need to settle outstanding balance ng credit cards donkey years ago, otherwise hindi ma approve homeloan sa bank kasi nasa NFIS ang name.. I dont know anyone in CCAP, iam trying to reach out online para maka full payment na po, kasi naka overseas po ako. Appreciate your help, thank you.
Hi,, papasa ba Sa Pagibig Housing Loan application if 1. First Time Mag Housing Loan 2. 7 Months pa Lang Sa Current Company 3. More than 50 months na ang Contribution 4. Pasok naman Sa Required salary Yung Loanable amount Kasi less than 500k na Lang, Low Cost Housing.
Hello Sir, thanks for this information. Ask lang po ako Sir, makuha ko ba ang naibayad ko sa equity to the developer if my loan is disapproved? Pls help me..thank u.
Sir is there a chance that the interest of my existing in house financing rate gets higher than the current % of interest that i am paying.? I acquired the pre selling house last 2019
@@ChrisSuarezRealEstate hi sir..as of this writing the interest rate is 9%. Hindi ko po alam kung magbbgo pa kasi ang hirap po mkipgtransact ky developer..sir, ano po bang mga papeles ang dpat kong hingin s knila?
Sir pag naging coborrower na po ba sa isang housing loan. Di na pwedeng maging coborrower uli? In which yung coborrower or co owner naman is need lang para ma meet yung required income from pag ibig?
I am a dual citizen based in USA. I have bought a condo unit and required to pay P2M in 4 years as deposit. My question is, how can I avail of bank loan financing in Philippines? What are the usual requirements for a dual citizen to get approved of the loan? \
Ang case ko my loancar ko Pedro nabalik nman sa company ang car , nag loan kmo uli sa house loan pero denied kmi dahil nakita sa system NLA na my loan car kmi kya na denied kmi, so what should ido?
Sir Chris, what if I have naman the full amount in my bank account for a condo I wanna buy but still wnat to get a loan. Wala lang ako ITR and I earn 16k a month as a freelancer. Can I reason out na I can pay upfront naman but would rather get a loan dahil lang ayoko isang bagsakan... may cases na ba na ganon?
Almost same my case po. Full number naman ako with my bank, but i think my monthly earnings was not enough to cover up the 30% rule based on my desired amount for loan. Kaya mejo doubt ako if maaaproved ako ni bank or not. 😔
Ang nangyari po sa kapatid ko ay ayaw na ibalik yung 180K ng kapatid ko. Nagreserve sya ng 20 k . Then the bank did not approve. He paid 180 dahil tinatanggap naman ng deceloper, then ayun. Disapproved. Tapos ayaw na ibalik yung money. Ituloy na lang daw sa Pag-ibig. Kaso ayaw na ng brother ko.
@@ChrisSuarezRealEstate Salamat po! Nalilito kasi ako sa mga nakikita kong ads na may nakalagay na monthly payment kaso baka with loan or financing pala yon may nakalagay kasi na "monthly amortization" (pag ganon po ba with financing/loan yon?) Baka kasi di ako ma-approve pag magloan just in case pero baka kaya ko naman magbayad pag deferred cash dahil sa savings ko. Thank you Sir!
Hi Sir, sana poh masagot nyo ang question ko regarding my home loan to BDO, inapply poh ni Developer ang unit ko nakuha sa BDO for homeloan, ang problema Sir malaki poh ang amount an approved ni BDO compare poh sa remaining balance ko nalang sa Developer, ang question ko Sir, kanino ko poh ba kukuhanin yung difference na approve amount, kay BAnk poh ba or kay Developer? 1.5M nalang poh ang balance ko sa Developer but ang na approved poh ni BAnk ay 1.6M, hoping for your reply Sir.
I got notice of disapproval po from Pagibig housing loan. Wala kasi sumagot sa employer ko since wfh kami. May chance pa po bang ma-approve sya sakaling mag reapply ako within 30 days?
Sir, can I ask a question? Im planning to apply for a house loan under Home improvement. Ung property na to was purchased year 1995 and its not yet transferred to my parents name nor has a land title under the original owner. Though nsa amen n ung orig copy of deeds of sale ,SPA. May chance po ba na approved kme if ever kht na s 1st owner pa nakapangalan ung mga documents ? BTW, ako po ung mag apply ng loan sa PAG IBIG since wlang PAG IBIG no ung parents ko. TYSM! ☺️
Hi Jane, you can apply for home improvement as long as the property is under your parent's name through accommodation of mortgage. I don't think Pag-IBIG will honor your deed of sale alone.
Hi Sir! Thanks for this informative video! I just have a question po and I hope you’d be able to advise on this. Let’s say the loan applocation has been approved na pero hindi pa po narerelease ang payment to the developer. Is there a chance that the bank or Pag-ibig- will conduct another CI with the employer? Normal po ba ito or may instances lang na kailangan nilang mag CI ulit sa employer. Salamat po!
Yes, they mostly do it to update the record of the borrower. In some cases pag tumagal ang processing, may borrowers na nawalan ng work and wouldn't be able to repay the approved loan, that's why financial institutions need to update docs.
@@ChrisSuarezRealEstate thanks for your reply sir! Follow up quetion po sana, normally po gaano katagal ang processing bago nila i-consider na mag CI ulit? Naitatanong ko po kasi, nag-apply po ako ng bagong trabaho and natanggap na po ako. Baka po kasi pagresign ko mag CI ulit sila and wala na ako sa dating company, baka macancel yung loan ko.
@@lelilalala2326 hello! naapprove naman na yung loan ko before i transferred work. so natapos na lahat ng process. buti hindi naman ulit sila nag CI before i-release yung payment. Maybe you should wait until it gets approved? I'm not sure ano ang mangyayari if lumipat ka while it is still in process.
Pano po kaya yun sir ? 4days q na ngaun na reject po ako sa online shorterm loan pero nagpasa din Po ako ng form sa pag ibig branch nag walk in din po ako . Nagka eror po ata ako sa pagpasa ko ng picture ID sa online dhil ata sa taas ng MB
Ang mali is dapat may go signal muna ang bank for the loan, dapat documented yun, even before the developer asks you for any payment. Ang naiipit is yung mga buyers pag nakapag down na at lahat sa developer tapos biglang disapproved ng bank. Sobrang unfair nun, may threat agad na hindi ibabalik ng developer yung binayad. Walang sense talaga na no refund no refund na yan. So the better info we need is to tell everyone what to do if ireject ng bank ang loan at naka pag down na ang buyer.
@@honeychile5393 That's totally wrong. Firstly, I'm not telling the developer to scrutinize an individual's financial capability, hindi naman nila forte yun and they shouldn't. The point you missed is that BEFORE the developer has the right to demand from an individual ANY payment for the property, the individual MUST have documented approval from the bank first. I mean, can anyone guarantee a bank loan approval? No. The developer nor the bank can give a guarantee prior to the processing of the loan. Granting approval of a loan is not a privilege nor a right, it's given only if the bank deems an individual to be worthy of the risks, so it's up to the bank. To just simply say "it's a personal responsibility" is putting people under unnecessary risk. It's like you are saying banks MUST give an individual a loan if the person ticks all the required boxes. Then what about others who are in good financial standing but STILL are rejected for a loan? Again, it is up to the banks to decide whether to give you a loan or not, it is not a right of a citizen and one won't have a guarantee of an approval even if he/she is financially capable and in good credit standing. Other countries practice this, in the UK, before a property is to be paid for, you must have a certificate from the bank granting you approval of the mortgage. This REMOVES the risk from the buyer prior to making any payments for the property and it makes perfect sense. Why would you shell out significant amounts of money on a property that's not even guaranteed to be yours? Nakalgay pa sa contracts na non-refundable yung payment. TOTALLY UNFAIR and ONE-SIDED. People are forced to sign and take a huge risk that they shouldn't if they want to own a property through a mortgage.
Pa advice naman po ako please.
Binigyan nlng kami ng developer sa nakuha namin na bahay ng 1 month extension para ma approve yung bank house loan application namin. Pag di pa din dw po ma approve ma forfeit yung equity na binayad namin na worth 600k 🥲
Ano po dawat namin na gagawin.
Na assume namin yung house September 15, 2022 nag apply kami sa PNB it took 3 months para sa application namin pero disapproved lng pala. We immediately applied RCBC and now waiting for approval.
Ano po dapat naming gagawin incase di pa rin po ma approve sa RCBC? 😥🥲 na dedepressed na po ako kakaisip. 8 months pregnant po pala ako now.
Sana po may makatulong. Developer is Priland po.
Maraming salamat!
@@rvkrides7081 sorry to hear that, we've been there to some degree kaya i can understand the feeling. since i don't really know specifics of your case, only practical thing i would suggest is to assume the worst to be prepared. better talk to a lawyer na and try to research how to get in touch with the HSAC pero consult a lawyer muna, para malaman mo how you can defend yourself vs the developer. kasi as far as i know you can only assume and move in the property once cleared na yung bank loan. not sure if you're already living in the property. it may be a good or bad thing on your part if that is the case, so talk to a lawyer. also, avoid big banks when applying for a loan, they are a pain in the ass to deal with and will treat you like sh*t. try the smaller banks and pressure your agent to assist you. best case scenario pa rin is i-go ng rcbc on time. but if the worst happens, find the best way to at least get your money back in full or at least most of it. the consultation with the lawyer should at least give you a few ways to deal with it so you can have realistic options.
@RVK Rides same here po, sobrang nakakastress yung di siya mrefund. Pero did they informed you po sa reason bakit di na approved?
@@rvkrides7081going through the same thing right now.😢
sobra sobrang nakaka-stress.. what happened sa housing loan nyo?
No way!! 200 views only???? This deserves a lot than that!
Thank you Chris for sharing your knowledge to us.
You’re welcome!
Pa advice naman po ako please.
Binigyan nlng kami ng developer sa nakuha namin na bahay ng 1 month extension para ma approve yung bank house loan application namin. Pag di pa din dw po ma approve ma forfeit yung equity na binayad namin na worth 600k 🥲
Ano po dawat namin na gagawin.
Na assume namin yung house September 15, 2022 nag apply kami sa PNB it took 3 months para sa application namin pero disapproved lng pala. We immediately applied RCBC and now waiting for approval.
Ano po dapat naming gagawin incase di pa rin po ma approve sa RCBC? 😥🥲 na dedepressed na po ako kakaisip. 8 months pregnant po pala ako now.
Sana po may makatulong. Developer is Priland po.
Maraming salamat po.
Thank you for this, Chris!
You’re welcome!:)
Sobrang salamat. Nasagot mo lahat ng gusto kong malaman. Thank you!
Thank you for creating this very informative and knowledgeable channel. Learning more about real estate. More power, sir
Thank you, Andre!:)
Paano kapag na decline ang home loan dahil sa right of way? Pathwalk lang kasi measured 2.1 meters only? Any advice?
Very helpful vlog, more power to you Chris!
Very informative and helpful lalo sa mga new buyers.
Thank you
What if nalalate palagi ng payment sa equity po? Is its also possible reason to get denied? Thru pagibig
Very informative sir Cris.thank u for sharing malaking help to sa mga ng pplan mg aply nang housing loan .
Thank you, Sir Chris!
Paano po kaya sir if example for CI na then declined. Paano po yung binayad na reservation fee sa developer? Di ba po dapat ibalik nila kahit na sabihin nila non-refundable since sila din naman ang nagdecline?
If the employer wasnt able to answer the email or calls of pag ibig, what to do next. Due to this, a housing loan is disapproved. Can the borrower reapply or what are the other best options?
I have defaulted credit cards during my early married years (20 years ago) but financially capable right now and ready to pay off my debts. Question: if I take out a home loan to purchase my home, will the bank reject my application?
same question
Hi sir good day po. Mag ask lang po sana pag po ha for seminar na approved na po ba ang loan pag ganun po? Salamat po
Hi Sir, pag nag CCI po ba si bank, do they check if may mga existing bank loans si borrower (like installment na credit to cash) ? Pero goodpayer naman si borrower, possible po bang di ma approver for bank housing loan?
panu pag nahingi SI houseingbloan ng email . tapos SI company sa Taiwan d raw nag provide ng email personal daw Yun contact number lng daw pwede nila I provide
Good day! Sir Chris. question paano po kaya if contract of service (status) of my work. Then yung Certificate of Employment ay naka indicate na every quarter lang nirerenew.. So may factor ba to para ma approve pre bank loan? thank you.
hello sir! what if may defaulted cards, tapos nag apply ng housing loan sa rural bank, may chance kaya (maski mababa) na ma-approve kasi yung bbilhing property naman ang mismong collateral? salamat nang marami!
Ask ko lang sana may makasagot. Pwede ba magloan ng house construction sa bank if yunh lot ay under financing pa at hinuhulugan pa sa bank? Bali magloloan for both lot at the same time house construction.
Kapag linoan ang lot nakaninu ang titulo? Sa bank or saken? Pwede bang gawing collateral ang lote na hinuhulugan pa?
Hello sir! Build your bank account. Means with the same bank you are getting the loan? Or can be with other banks? Bcoz d loan will depend on kung sino un bank can give you the best interest so mostly not same your bank where your savings was kept even you have enough number but ayaw mo lang galawin for other purpske. Salamt po!
Hi Jenna, any bank will do.:)
@@ChrisSuarezRealEstate Any bank means even I have savings at bank A, this is still good as build your bank account. Kahit sa bank B aq kkuhaa ng loan because of lowest interest? So no need ng to tranafer the account.. Slamat po ng mrami!
Hello po sir. Plano po namen mag avail na ng townhouse unit dito sa cebu. Kaso lacking po kami sa requirements. Ano po ba dapat gawin
Ang kisig mo Sir Chris! Ang articulate pa pati. Crush kita! 😍
Thank you.😊
a video abt secured credit cards for 20 year olds who want to build their credit scores early. it would be nice.
Omg same din problem gnyn din di maibabalik down sa bhay paano kaya gagawin
what if may home credit po ako na may palta for 1-2 month pero na settle naman and paid full, would that effect my approval from pagibig? another question, mauuna po ba talaga ang downpayment and then CIC and backround check? paano kung nakapagbayad na ng downpayment tapos di pala naaprove?
Sir i am ofw i cant remember my itr? How can i recover this. Im planning to take housing construction loan next year. Thank you
Sir kapag po ba nabigyan na ako ng Demand Letter ng Globe… hindi na ba ako maaapprove kapag nag Housing Loan ako sa Pag Ibig?
sir ask ko lang po if my sss loan ako na di nabayaran magiging reason din po ba para madisapproved ang loan ko.
Sir question..pwede po bang mg apply nang cash loan kay Pag ibig kahit na may on going housing loan pa n binabayaran?
Hi po, hindi ko po masagot about sa cash loan. Pag sa housing loan, possible ang multiple loans.:)
Sir kapag may unsettled bill ka sa globe, makaka affect po ba ito sa housing loan?
Hi, nice informative video. :) Can i request contact details of anyone you know in CCAP? I was told i need to settle outstanding balance ng credit cards donkey years ago, otherwise hindi ma approve homeloan sa bank kasi nasa NFIS ang name.. I dont know anyone in CCAP, iam trying to reach out online para maka full payment na po, kasi naka overseas po ako. Appreciate your help, thank you.
Kasama po Home Equity sa Salary ratio Sir?
bank financing po ba ito or pag ibig loan?
Plano ko sana magloan pangpatayo ng 6unit townhouse pwedi kaya yun.
Hi,, papasa ba Sa Pagibig Housing Loan application if
1. First Time Mag Housing Loan
2. 7 Months pa Lang Sa Current Company
3. More than 50 months na ang Contribution
4. Pasok naman Sa Required salary Yung Loanable amount Kasi less than 500k na Lang, Low Cost Housing.
Hello Sir, thanks for this information.
Ask lang po ako Sir, makuha ko ba ang naibayad ko sa equity to the developer if my loan is disapproved? Pls help me..thank u.
Hi Marivic, it depends on what is included in the contract to sell that you signed.
@@ChrisSuarezRealEstateassisted po ako ni Developer to Pagibig housing yon sir..
Sir is there a chance that the interest of my existing in house financing rate gets higher than the current % of interest that i am paying.? I acquired the pre selling house last 2019
Hi Maria, is your in-house interest rate fixed?
@@ChrisSuarezRealEstate hi sir..as of this writing the interest rate is 9%. Hindi ko po alam kung magbbgo pa kasi ang hirap po mkipgtransact ky developer..sir, ano po bang mga papeles ang dpat kong hingin s knila?
Sir pag naging coborrower na po ba sa isang housing loan. Di na pwedeng maging coborrower uli? In which yung coborrower or co owner naman is need lang para ma meet yung required income from pag ibig?
Yes possible naman, as long as kaya pa ng income and hindi pa maxed out ang 6M.:)
I am a dual citizen based in USA. I have bought a condo unit and required to pay P2M in 4 years as deposit. My question is, how can I avail of bank loan financing in Philippines? What are the usual requirements for a dual citizen to get approved of the loan?
\
Hello, you can check out this link. >> www.rcbc.com/home-loans
Ang case ko my loancar ko Pedro nabalik nman sa company ang car , nag loan kmo uli sa house loan pero denied kmi dahil nakita sa system NLA na my loan car kmi kya na denied kmi, so what should ido?
ask for a clearance from the bank where you had your loan:)
Sir Chris, what if I have naman the full amount in my bank account for a condo I wanna buy but still wnat to get a loan. Wala lang ako ITR and I earn 16k a month as a freelancer. Can I reason out na I can pay upfront naman but would rather get a loan dahil lang ayoko isang bagsakan... may cases na ba na ganon?
Yes pwede naman and if you have big enough cash, you can just directly negotiate payment terms with the developer, para hindi ka na rin mag loan.:)
Almost same my case po. Full number naman ako with my bank, but i think my monthly earnings was not enough to cover up the 30% rule based on my desired amount for loan. Kaya mejo doubt ako if maaaproved ako ni bank or not. 😔
thank you, new subscriber here
Ang nangyari po sa kapatid ko ay ayaw na ibalik yung 180K ng kapatid ko. Nagreserve sya ng 20 k . Then the bank did not approve. He paid 180 dahil tinatanggap naman ng deceloper, then ayun. Disapproved. Tapos ayaw na ibalik yung money. Ituloy na lang daw sa Pag-ibig. Kaso ayaw na ng brother ko.
Oh I see. Anu po kayang nakalagay sa kanyang contract to sell?
thanks sir sa video
Pag hindi po ba cash term or magbabayad agad ng full, yung kumabaga monthy po, kailangan po ba talaga ng financing or mag-loan?
Some developers offered deferred cash:)
@@ChrisSuarezRealEstate Salamat po! Nalilito kasi ako sa mga nakikita kong ads na may nakalagay na monthly payment kaso baka with loan or financing pala yon may nakalagay kasi na "monthly amortization" (pag ganon po ba with financing/loan yon?) Baka kasi di ako ma-approve pag magloan just in case pero baka kaya ko naman magbayad pag deferred cash dahil sa savings ko. Thank you Sir!
Hi Sir. Pano po kung nung single pa nagka bad record and now na married na pwede pa din ba mag coborrower sa partner?
Hello, may I ask if saan nagka bad record?
@@ChrisSuarezRealEstate kung foreclosed property po sa pag ibig? Pwede bang hindi siya mag co borrower po kahit mag asawa na?
Hi Sir, sana poh masagot nyo ang question ko regarding my home loan to BDO, inapply poh ni Developer ang unit ko nakuha sa BDO for homeloan, ang problema Sir malaki poh ang amount an approved ni BDO compare poh sa remaining balance ko nalang sa Developer, ang question ko Sir, kanino ko poh ba kukuhanin yung difference na approve amount, kay BAnk poh ba or kay Developer? 1.5M nalang poh ang balance ko sa Developer but ang na approved poh ni BAnk ay 1.6M, hoping for your reply Sir.
Should be with the developer
What if i have an illness?
salamat sir...dipala porket may trbho aprove kaagad...minsan nakakainis nga yan ma disaproved...Babayaran naman sila ehhh..🤣🤣
Correct.:)
I got notice of disapproval po from Pagibig housing loan. Wala kasi sumagot sa employer ko since wfh kami. May chance pa po bang ma-approve sya sakaling mag reapply ako within 30 days?
Ganyan din po sakin. May I ask po kung ano na update sa loan nyo? Nagreapply po ba kayo? Naapproved po ba?
hello same scenario po ng sakin, naapprove na po ba kayo?
@@froileencategazmin172 naapprove na po. Nag reply ako dun sa email nila and nagbigay ng office email at mobile number ni hr
@@dianarosebutuhan6095 naapprove na po. Nag reply ako dun sa email nila and nagbigay ng office email at mobile number ni hr
Gracias sir Chris,sa Live ako nanuod..abangers😄🤭🤩
Thank you, Gaelle!😍
#LicensedSalesperson #pre-qualification #assessment #duediligence #InvestToRightPerson
Sir paano po kung naka inhouse po pwd parin poba i loan sa bank?
Yes, its called refinancing
Salamat po
Sir panu po pg call center po ang work
Yes pwede naman mag apply
Hope you can have a video on Personal Loans on Banks!
Sir, can I ask a question? Im planning to apply for a house loan under Home improvement. Ung property na to was purchased year 1995 and its not yet transferred to my parents name nor has a land title under the original owner. Though nsa amen n ung orig copy of deeds of sale ,SPA. May chance po ba na approved kme if ever kht na s 1st owner pa nakapangalan ung mga documents ? BTW, ako po ung mag apply ng loan sa PAG IBIG since wlang PAG IBIG no ung parents ko. TYSM! ☺️
Hi Jane, you can apply for home improvement as long as the property is under your parent's name through accommodation of mortgage. I don't think Pag-IBIG will honor your deed of sale alone.
Hi Sir! Thanks for this informative video! I just have a question po and I hope you’d be able to advise on this. Let’s say the loan applocation has been approved na pero hindi pa po narerelease ang payment to the developer. Is there a chance that the bank or Pag-ibig- will conduct another CI with the employer? Normal po ba ito or may instances lang na kailangan nilang mag CI ulit sa employer. Salamat po!
Yes, they mostly do it to update the record of the borrower. In some cases pag tumagal ang processing, may borrowers na nawalan ng work and wouldn't be able to repay the approved loan, that's why financial institutions need to update docs.
@@ChrisSuarezRealEstate thanks for your reply sir! Follow up quetion po sana, normally po gaano katagal ang processing bago nila i-consider na mag CI ulit? Naitatanong ko po kasi, nag-apply po ako ng bagong trabaho and natanggap na po ako. Baka po kasi pagresign ko mag CI ulit sila and wala na ako sa dating company, baka macancel yung loan ko.
@@aubreyilarde hi po, nakapagloan na po ba kayo? Same situation po. Worry ko madeny since lilipat din ng work
@@lelilalala2326 hello! naapprove naman na yung loan ko before i transferred work. so natapos na lahat ng process. buti hindi naman ulit sila nag CI before i-release yung payment. Maybe you should wait until it gets approved? I'm not sure ano ang mangyayari if lumipat ka while it is still in process.
@@aubreyilarde hi po! thanks po sa reply! ♥️ Nakapirma na po ako eh hahahuhu. Sana po makapagCI sila before makalipat
twice siya nag-goodbye. that's something XD
kidding aside, helpful tong video na to
Can you please post the link on how to dispute on CIC?
www.creditinfo.gov.ph/dispute/
@@ChrisSuarezRealEstate thank you
@@ChrisSuarezRealEstate can you do a video on how to lift credit score in ph?
Pano po kaya yun sir ? 4days q na ngaun na reject po ako sa online shorterm loan pero nagpasa din Po ako ng form sa pag ibig branch nag walk in din po ako .
Nagka eror po ata ako sa pagpasa ko ng picture ID sa online dhil ata sa taas ng MB
Kahit na dissapprove po ba ako sa pag ibig online , mapapa process po kaya yung pinasa ko na form through pag ibig branch?
Sir bakit saken ung naka in house financing ako sa condo ko sa manila 20 years to pay.akala.ko pag.naka inhouse.maximum of 10 years
Depends on the developer pa rin. But its not practical to go for longer years lalo na pag mataas ang interest.
@@ChrisSuarezRealEstate magiging double the price na after 25 years kac monthly ko almost 20k monthly