Nice video, Me-An. 👌😍🎉 Napapangiti ako while watching your video kasi na-experience ko lahat ito. Lalo na yung sa income requirements, pigaan talaga tsaka super pakiusap talaga para ma-maximize yung loan amount na puwedeng i-grant sa'yo. Awa naman, I'm still happily paying off my home loan. 🙏🤭🏢 Keep it up and more power! 💐🌟🙌
Agreeng agree ako sa 3 to 6 mos balance palang dapat nilalakad na bank loan application. Ang nangyari sakin noon, after ko pa nafull balance tsaka ko nilakad kasi di ako nasabihan ng Broker ko na ganun pala. Nakakataranta tuloy. Buti na lang inextend ako ng developer. Thank you for the informative video, Me-An!
Thank you so much po for sharing your experience 😊 I'm sure others can learn sa shnare mo po. Buti mabait yung developer na pinagbilhan niyo po at na-extend. Stay safe po 😊
The subtitle is a ready template that includes the animation so hindi ko matanggal yung animation 😔 So it's either I remove the subtitles in my next videos or continue using it for the meantime kasi wala pa kong time to do a new template. By August, for sure, I'll have a new subtitle template 🙂
Im so happy on my friend who works in a bank. Naclarify niya sa akin about sa loan for the house or condo. Although I can afford, still the cost is massive kahit OFW ako earning 6 digits. Patience is such a virtue. Kaya save save save. Pag di kaya wagpilitin baka kasi maremata lang ang pinaghirapan mo.
Madam, pa shared naman ng info. about pag commercial and residential bldg. ang itatayo. and if san pwede mag loan, thru Pag ibig or bank. thank you madam God Bless po. More ❤️❤️❤️ very informative vlog
Hi Ms. Me-An, can you please do a content about House/Property Insurance and kung necessary ba sia or optional for both Condo Unit and House and Lot. Thank you and More power to your channel. I hope mabasa mo ito :)
What if I don't have a credit history in the Philippines but have excellent work and credit history in the U.S., will I be approved for a loan in the Philippines? Thank you for sharing your knowledge on your TH-cam videos, it's very helpful and informative.
Hi, Philippine banks require will require you to have ties with the Philippines to be approved for a loan so you need to have a Philippine citizenship if you’re residing in the U.S. 😊
Question lang po. U did say “3-6 months before d remaining blance is due”? Whats d purpose of housing loan kung gnito nlang kaunti ang dpat mong byaran pra sa property?
questions naman: 1. Kelan dapat magbayad ng downpayment? before i-release ung LOG from the bank ? tama bang requirement yun ng bank bago irelease ung LOG? 2. Kelan dapat pumirma ng Contract to Sell? 3. Anong guarantee ng buyer na di sya tatakbuhan ng seller if nagbayad na sya ng down pero in progress pa yung LOG at paglipat ng title? malaking amount din un (usually 20-30 % ng price) Thanks!
1. Ang downpayment ay binabayad kung kelan kayo ngkasundo ng seller at prerequisite siya sa application. Kaya bago pa umabot sa LoG part, meron na dapat DP. 2. Contract to Sell signing depende rin sa agreement with seller. 3. Contract to Sell ang guarantee ng buyer po. Usually may real estate broker na nag-facilitate kapag hindi personally magkakilala ang buyer at seller po 😊
What if nababayadan naman un DP sa developer pero hindi na approve ng bank? Example, Lancaster Alice unit 1.9M TCP May option bang inhouse financing sa Lancaster na direkta? Pede rin ba PAGIBIG if hindi na approve s bank?
Hello, depende po sa Lancaster kung may in-house financing sila at tumatanggap sila ng Pag-IBIG financing. Kung meron, pwede po kayong mag-in-house financing 😊 O kung tumatanggap sila ng Pag-IBIG financing then mag-apply na po kayo sa Pag-IBIG 😁
Hello mam subrang ganda at full deatails yung explanation💓 gusto ko po sana mag tanong if pano mag loan ?ng housing loan ? Kc po firstime ko palang , at wala din ako alam kong pwde ako kc wala akong mga card holder, as in firstime sa banko sana kong matuloy ako mag apply.
Kung sa Philippine bank ka po uutang to buy a vacant lot sa US, hindi po pwede po kasi labas na po ng Philippines. At mas okay sa US kasi mas mababa interest rates at mas mahaba ang loan term 😊
Gawa ka naman po ng video kung paano magsangla ng house & lot sa bank. Gusto ko kasi gamitin ang loan para makapundar ng panibagong property. Salamat po.
Hi mam, ask ko lng po kung mataas ang chance of housing approval kapag maganda ang credit history and mataas ang credit score? Kay lng po wala pa pong work, lagi lang advance mgbayad sa creditcards and condo downpayment po for now. Ano po maganda gawin? Pati sa pagibig housing loan need or must tlga may work for documentation?
Need po talagang may work kasi hindi po nagpapautang ang mga lending institutions kapag walang source of income. Sa paningin po nila, wala po kayong capacity to pay so ang mgandang gawin po ay either maghanap na po kayo ng work or kumuha kayo ng co-borrower (working at siya ang principal borrower) 😊
Nice Video po. Very informative. About sa basic documents po. I'm not legally separated yet kasi. Pag nag home loan ako requirement ng bank are IDs from spouse. Maapproved p din po ba yun loan ko kht wla ako maibigay na docs from my ex-spouse.? Though my work nmn ako, wla naman dn ako loan s ibang banks at kumpleto ko s iba docs n need ng bank except lng s ID's ng spouse at signature. Kasi nga separated na.
If wala po kayong prenuptial agreement, separated naman na po kayo for at least one year sa spouse niyo at impossible ng magkabalikan po kayo, kuha po kayo ng judicial order para separate na ang properties niyo at hindi na kailangang magpaalam po. Iyan lang po ang way para labas na ang asawa niyo sa mga bibilhin niyong properties.
I am learning from your contents. Do you have video on how to refinance my existing loan to this new bank low rates? Or maybe how can I compute to reconsider doing such? Looking forward po. TIA
Hello po. Thank you for the very informative video. Pag po ba spot downpayment nang pre selling house&lot, kailangan napo agad ang Letter of Guarantee from the bank?
Depende po sa seller pero kadalasan kailangan na po agad. Kaya minsan mas ok po na hulugan ang down payment kaysa spot kasi may time to build credit kapag mag-apply po ng home loan 😊
Ma’am Me-An, good day po! Very informative po sakin itong video. Meron lang po ako katanungan. Kumuha kasi ako ng hulugan yung DP na property. Yung value is worth 5.1M. Meron po ako stable job sa Pinas with 130k gross salary. Yung problema ko now is yung nabanggit na collateral. Kung wala pong collateral pero meron co-borrower if ever, ma-aapprove din po kaya?
Ho, ang gagamitin pong collateral ay yung propertty na binibili niyo kaya kayo naghulugan ng DP. Hindi po tumatanggap ang banks ng home loan application na walang collateral po. Sa personal loan, pwede walang collateral. Mas mataas lang ang interest rates, mas maiksi ang loan term at maximum P 2M lang mauutang kapag personal loan po
Thanks for this video. I had gotten a loan but 2 years after a second condo turned over and i had to give it up because i didnt qualify for a second loan. It was a lot of disappointment.
That is sad to hear 😢 And the worst part of that is the down payment will be forfeited. I hope more real estate agents will take the time to learn if a buyer has already purchased a property in order to assess if the buyer will still qualify for another loan.
Hi! How long po yung processing ng sa bank housing loan and pagrelease ng pera to seller? Saan po kayang bank ang pinakamabilis na mag approve and release ng money?
Hi, yung sa pagprocess ng bank loan application, it takes at least a month po. Sa pagrelease ng loan proceeds sa seller, depende po iyon kung gaano kabilis nalipat ang title at tax dec sa name ng buyer. Ang palugit na binibigay po ng bank ay 3 months. Kaya maaring 3 months pa po bago ma-release ang loan proceeds. Yung pinaka-mabilis ay depende kung saan maganda ang relationship po
Good PM this is eric de leon Ms Me-An may tanong ako Trying to buy a property Ang naka register land and house Then napatayuan ng apartment pero di pa na register un apartment Will that be a problem?
Sa pagkakaalam ko need ipa-update nung owner yung Tax Declaration po kasi classification ay commercial na po at tataas ng unti yung taxes. Also, if securing a loan, pasok po siya sa business loan not home loan po
Hi.... need advice... regarding bank financing, may bank approval na and after paying the downpayment and the developer ask for letter of guarantee... the bank rejected the loan... may possibility ba na ma refund full ang nabayad
Hello po, hindi po ma-refund in full ang bayad pero kapag naka-at least two years of installment kayo at canceled ang contract, you are entitled po to cash surrender value of the payments on the property equivalent to fifty (50) percent of the total payments.
Hello po. I'm so glad I stumbled on this video. Very informative. Itatanong ko sana kung pwede ba mag co maker husband ko kahit foreigner sya? I was anticipating kasi na by the time na malapit na mag turn over at need na mag apply for bank financing e may work na ako. But life happens. Hanggang ngayon stay at home mom parin ako and I'm supposed to go to school later this year. So yun nga, pwede po ba si husband ang mag co maker para payslips nia and letter of employment nalang e susubmit ko? reported naman po marriage namin sa Philippines, naka joint account din kami dito pati sa taxes if they will need it if ever. I also send ing money to the philippines regularly. Sorry, I'm getting worried na kasi. I'm hoping na masagot nio po ako. Salamat po.
Pwede pong maging co-borrower si foreigner husband kung ang bibilhin niyo po ay condominium. Kapag house and lot, hindi po pwede kasi bawal mag ma-ari ng lupa ang mga foreigners.
Yun case po ni ate, nakakuha na sya,as in ok na po Yun down payment nya, Yun house loan SA bank declined sya SA BDO Which is dahil SA credit card nya,Pero na ayus na fully paid na Yun mga credits nya.and ongoing p po Yun isa pa banko China bank for house loan, Question po marefund pa po ba Yun DP nya? Nag email Kasi Yun developer na for cancellation na Yun bahay nya,.. currently NASA abroad Yun ate ko. Sana po masagot.. thank you
Kapag naka-2 years worth of installment siya, ma-refund niya yung kalahati po. Magpadala nalang po ng consularized SPA ang ate mo po sayo para maasikaso mo po
hello po maam papanu po b ang tamang process after nmin reserve yung unit? need po ba nmin maghintay nang approval nang bangko bago kami mag proceed sa down payment or need nmin na mag down payment kahit wala p po kming approval na natatanggap ?at anu po yung pre-approval?may ganun po ba?
After niyong mag-reserve ng unit, may pipirmahan po kayong Contract to Sell. Start na po ang downpayment kahit na hindi pa po kayo nakapag-apply sa bank. Tapos mag-start lang po kayong mag-apply ng loan kapag malapit na po ang turnover. Yung loan pre-approval, ginagawa po kapag ready for occupancy na. By the way, meron po akong video regarding the buying process ng condo po na you may want to watch 🙂
Hi, glad I saw your vid. Ask sana ako. Parents ko ay OFW sa NZ. Awaiting pa sila sa resident visa nila at hindi sila pwede makapadala ng more than 150K kasi last time pinadalhan nila ako ng 100K tumawag yung bank sa NZ dami questions at baka mareject at madelay pa application nila. So to be safe di muna sila magpapadala ng malalaki after nalang sa RV nila pwede na sila makapagloan dun ng millions sa NZ. But may car loan din ngayon stepdad ko sa BPI PH. 5 years pa matatapos at hindi papo nag 1yr yung car. Makikita daw yan sa banks na may ibang loan at baka ma reject for housing loan. Balak sana nila kumuha ng mga old houses na pwede bank loan at ipaparenovate nila once mapaid na yung house. Metrobank yung bet nila kasi may account na sila dun. Question ko po, ganu katagal yung application ng bank loan incase? At may ilalabas ba sila na pera before sila mag apply? Sa car loan kasi 1 week lang samin approve na kaagad. Malaki po sahod ng parents ko. 250K a month dad, 150K yung mom ko kaya mabilis. Kaso yung owners ng mga bahay doubtful sa bank loan, ano ba possible reason bakit umaayaw sila sa bank loan? Sabi kasi nung last na nakatransact namin, natatakot daw siya maggive ng documents samin. Ang sabi ko naman di ko kukunin yung documents not unless paid na siya ni bank. Pero scary daw. Ewan ko. Ano ba meron sa ganyan po? Pa enlighten sana ako. Thank you po in advance if ever masagot at may makasagot!
Hello, hindi ko po masabi kung gaano katagal ang loan process sa Metrobank kasi wala pa po akong naging experience with Metrobank home loan. Pero kung resale property ang bibilhin niyo, need magbayad initially ng appraisal fee which usually ranges from P 5,000 to P 6,000. Usually umaayaw ang sellers sa bank loan kasi hindi nila alam ang process so best to get a licensed real estate broker to ease the anxiety of the seller 🙂
Hello Me-an can do me i favor! what you can suggest about my upcoming turn over of the Condo Shore 3 December 11, 2022 i want to apply a loan with your guidance before i go back in the Philippines.
Hello, sir, I can assist you with BDO home loan application po. Interest rate, maximum loan term, etc. is the same whether you get my assistance or not. You can start applying as early now since ber months will be busy 😊 If you are interested, you may email me po at ownpropertyphilippines@gmail.com
Hello po, pwede po ba bumili Ng foreclosed property pero iloloan ung "pambili" sa ibang bank. Kumbaga ung Bank B and magbabayad or "bibili" sa foreclosed property ni Bank A tpos since c Bank B n ung nagbayad or bumili on behalf of you, Kay Bank B kna magbabayad Ng monthly payments/mortgage. Kasi may mga gantong naririnig ako s ibang buyers. Too at possible Po ba ito? Thanks
Hello, it depends po sa policy nung bank. Merong ibang banks na kailangan sa bank din nila mismo uutang para mabili yung foreclosed property/ acquire asset nila. May iba pumapayag para ma-dispose na yung asset lalo na kung matagal ng na sa kanila yung property 🙂
Hi Ma’am, bakit ngayon ko lang nakita itong video niyo. Sana napanood ko muna to bago nag-apply ng housing loan. Haha! Napaka informative po. Salamat! May question po sana ako magbabakasakali na alam ninyo. After po ba maapprove ng bank yung loan application, mag CI po ba ulit ito sa current employer before mag release ng payment sa developer? Usual po ba itong ginagawa or may instances lang na kailangan nila itong gawin? Salamat po!
Hello po ☺️ question po, what if may extra income po ako na hindi po nadeclare sa ITR such as mga pautang po pero nagrereflect po sa bank statement? Icoconsider po kaya un as part ng income sa DTI ratio para maapprove ung loan? Thank you!
Hi, ask lang po sana since one of the requirements is yung income, sadly di po pasok yung income ko sa required ni bank, but I have savings sa bank around 300k-400k and yung value nung iloloan ko is 1.3M, may possibility po kaya na ma approve yung housing loan? Thanks po. ☺️
Hello, na-try niyo na pong mg-apply? If sure po kayo na hindi pasok ang monthly income niyo, you may want to try applying for Pag-IBIG housing loan po. Pasok naman sa Pag-IBIG yung uutangin niyo at mas hindi mabigat ang amortization if ever 😊
Para po makakuha ng judicial order/ court order, need niyong mag-file sa court kung saan matatagpuan yung property, go through trial and wait for judge’s decision. Best to consult a lawyer para matulungan kayong makuha ang gusto niyong judicial order 😊
Download the CIBIApp via the Google Play Store or access the app via web browser ( cibiapp.cibi.com.ph/#/login) but I don’t find the web browser to be working. Register by entering your personal and contact information and creating a username with password. You would also be asked to upload the following: 1. One primary ID (SSS, GSIS, TIN, UMID, and driver’s license) 2. One secondary ID (Passport, PRC ID, IBP ID, OWWA ID, senior citizen’s ID, voter’s ID, digitized postal ID, SSS ID, and GSIS e-Card) Finally, you may schedule an appointment for online character verification via video call from Mondays to Fridays, 8:30 AM to 5:30 PM. CIBI will send you a confirmation email, together with guidelines for the character verification process. Please take note that request for your credit report is not free 😊
Hi ma'am pa notice po , very impormative po talaga ang video niyo .. ofw po asawa ko at may plano kami mag housing loan kasi may binebente pong bahay dito malapit sa tinitirhan namin .. pwede po ba ako ang mag apply kahit onboard asawa ko may allotment po ako sa kanya at wala po kaming ibang loan ..
I honestly don't know what kind of credit scoring system is used in the PH but I am 100% sure that we have credit scoring used as the basis for loan approval and interest rates. Our credit scoring is handled by the Credit Information Corporation (CIC), the only centralized registry of credit data in the country. However, for us to secure a credit report and credit score, it has to be coursed through CIC's Accredited Credit Bureaus.
Eligibility requirements for co-borrowers on bank loans can vary based on the specific policies of each bank. However, the common criteria typically considered for co-borrowers include relationship (immediate family members are preferred), creditworthiness, age, and can provide documentation like identification documents, proof of income, bank statements, and other financial records 😊
It depends po on the rate given by the bank and your capacity to repay the loan. For example, if you think you can pay the loan in ten years then a 7% interest at 10 years fixing period 😊
tanung ko lng po kung pwedi ba gamitin as collateral ang land title ng agricultural land para po sa loan ng house construction pero sa ibang location po na hindi pa titled .thanks po
Hi po madam.. baka po pwedeng matulungan nyo ko sa home improvement loan sa pag ibig.. baka pwede nyo po gawan ng content po. and differentiation na ren po ng home improvement loan ng pag ibig versus housing loan ng banks po.. thank you and more power!
gd pm.pwedi po ba dun kna lng din komuha ng cash out.sa loan mam. smlpe yng houseng 1m pwedi mg loan 1.5m yng cash out pa ppgawa pa ng gate.or mg iba pa..
it's not possible ba talaga makapag loan kapag walang net of income or income documents? nag buy and sell business lang kase ako. gusto ko sana mag home loan para makabili ng property at para gawin boarding house business dito sa city namin.
Yes, hindi po possible na makapag-loan kapag walang income documents. All lending institutions require a proof of source of income. Kung nag-buy and sell business naman po kayo, pwede niyo pong i-register ang business tapos magpapakita lang din kayo ng financial statements po 😊
Hello po, hindi po bawal mag-apply ng loan kapag salary account pero hindi lamang po yan ang factor na-icoconsider sa pag-evaluate ng iyong application. Titignan din po ang iyong employment, credit history, magkano ang iyong down payment at iba pa po
Hi, ask ko lang pag dating sa collateral, kung sakaling ma-approve ang application, may maximum of years lang ba na pwede mabayaran ang loan mo? Thank you.
Hello, opo merong maximum loan term depende sa type of property. For example, kapag condominium, maximum years ay 20 po while sa house & lot, 30 years 😊
Hello, wala naman akong problem sa mga requirements, may 1m ako sa bank and nagwowork dito sa pinas, almost 7yrs na rin ako sa Company ko, yung pagpapasa ng income tax, what if yung asawa ko ay walang income tax, sabihin nating walang work for almost 6 or 7yrs, magkakaproblem ba ko? Sumaside line side line lang kasi sya.
Hello, can i request for a higher home loan amount vs the TCP? Example, the property cost 4m, and i want to loan 4.5m - will the bank allow it? I don't have enough cash to pay for the 20% of the 4m that is why I am thinking if I can loan 4.5m to lower the downpayment I need to pay. If that is allowed by the bank, I will only need to pay the downpayment worth 400k (which is 20% of the 4m) and not 900k (which is 20% of 4.5m), right?
Hi, even if you request, the amount they will lend you will still be based on the appraised value. And for resale, the minimum equity is 20%, so you’ll need P 800,000 for the down payment if the value of the property is P 4 M.
May question po ako, si bangko po gusto niya na itransfer yung title from old owner to new owner kahit na downpayment pa lang po yung nababayaran ni new owner, okay lang po ba yon? (Fully paid na po btw si old owner sa bank) Ano po bang process po talaga nito?
Hi, ganun po talaga ang process. I-rerelease lang nila ang loan proceeds kapag ang title at tax dec ay na sa name na ng new owner. Pero palalagyan nila ng mortgage annotation po yun sa Registry of Deeds 🙂
@@OwnPropertyPH Maraming Salamat po Ms. Real Estate student here, trying to practice na din po kasi by gathering questions para in the future hindi na ganun mangangapa. Thank you po 😌❤️
Hi Ms. Me-an, ginawan po ako ng supplementary credit card ng sister ko 8 years ago, then may mga balance and interest pa siya na hindi na nabayaran until now. Possible po ba maka affect din yun sa credit score/report ko since andun name ko sa supplementary? I'm about to apply na din po kasi for a bank housing loan. Thanks po
Hello, from what I know, supplementary credit card just increases credit utilization but for the unpaid balance, it affects the credit history of the primary card holder (your sister) and not you. So hindi yun makaka-apekto sa credit history mo. If you want to make sure, get your credit report from the Accredited Credit Bureaus I mentioned in this video 😊
Thabks for the informative content. I and hubby are planning to apply for a mortgage loan, he is locally employed and I'm an independent contractor outside PH. what's the % of us getting approved?
Hello, ma'm, I won't be able to assess the likelihood since your financial capacity isn't the only consideration for loan application approval. Yout credit history, debt-to-income ratio, etc. are also assessed po
hi. ms mean.. si seller po humihingi ng cashout kay buyer doon sa asking price ng house na iresale nya, then ung balance thru bank loan na.. May a bayad pa din ba si buyer sa bank ng 20%?
Hi, wala na pong babayaran na 20% si buyer. Need talaga ng cash out kasi up to 80% lang ang pwedeng ipahiram ng bank. Pero minsan mas mababa pa yung pwedeng iloan depende sa appraised value ng bank 😊
Hi Maam Good Eve..Mag loloan po sana ako ng malaking amount sa banko at ipang collateral ko po sana yung house and lot ko,,,may chances po kaya na ma grant po yung loan ko lalo na po na aalis po ako sa trabaho to focus on my business
hi maam, ask ko lang po if you have any idea na pag home loan sa banko usually how many years to pay po? thank you :) just saw your videos today and its all very helpful :)
Hi Ms. Me-an, inendorse po kasi ako ng developer sa accredited bank nila, ask ko lang po if same lang din yung interest rate na ino-offer ni bank pag halimbawa ako yung maglalakad ng docs ko sa kanila?
Hello Miss I would like to ask about about credit score, pwedi ba credit score sa ibang bansa? Wala akong credit card sa pinas, pero meron akong Pag-ibig loan which is almost done na. Kelangan bang in person talaga ang pag transact ng loan? Kasi I only have 3weeks maximum vacation/per year.
Hi, kapag alam po ng lender na OFW po kayo, remittance at regular visits sa Philippines ang mas important po sa kanila. Hindi po necessary na kayo mismo ang mag-transact ng loan. Ang kailangan lang po magbigay kayo ng consularized o Apostilled na Special Power of Attorney 😊
Maam what if yung bahay na kukunin is under NHA tpos bnbenta saamin, makakapag loan po ba kmi? Hndi sya yung kagaya sa mga preselling houses na may developer. Ano po process nun.
Possible po kapag stable ang trabaho mo, maganda ang credit history at yung property na bibilhin niyo ay may katumbas o mas mataas na appraised value sa uutaning mo po 😊
ask ko po if pinafalhan ka na ng banko ng demand letter to pay the full amount (loan) ano po ba pwede ng gawin na hakbang since hindi po kaya pa bayaran ang full amount sa banko. sana po mapa sin ang question ko, thank you.
Hala bakit full amount of the loan na po ang sinisingil sayo? Usually may grace period pa, pwedeng pakiusapan, o mag-refinancing. Kaso dahil umabot ka na po sa gnyang scenario, hindi ko na pa alam kung anong ma-suggest po 🥺 Kasi hindi na rin yan mapapasalo sa iba. Ang magagawa mo nalang ay mangutang po sa iba if ever.
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Nice video, Me-An. 👌😍🎉
Napapangiti ako while watching your video kasi na-experience ko lahat ito. Lalo na yung sa income requirements, pigaan talaga tsaka super pakiusap talaga para ma-maximize yung loan amount na puwedeng i-grant sa'yo. Awa naman, I'm still happily paying off my home loan. 🙏🤭🏢
Keep it up and more power! 💐🌟🙌
Thank you po. Mabuti naman po tuloy tuloy ang bayad niyo sa home loan. May you be showered more with blessings 😊🎉
Namali pla ako ng pindot po ng emoji kanina hahaha! ✌🏻😊
@mjhpro sports Kailangan may equity ka po muna. Hindi po pwedeng 100% ng loan ang uutangin po 😊
@@OwnPropertyPH Hi Ms Me-An, can a retiree within age 60-65 y.o still avail of bank loan for a property/condo?
Good Job Ms! Dami ko ng masasagot sa mga tanong ni client regarding sa homeloan niya. DMCI HoMes agent here. :D
Yay!!! More power to you 😊💕
Agreeng agree ako sa 3 to 6 mos balance palang dapat nilalakad na bank loan application.
Ang nangyari sakin noon, after ko pa nafull balance tsaka ko nilakad kasi di ako nasabihan ng Broker ko na ganun pala. Nakakataranta tuloy. Buti na lang inextend ako ng developer.
Thank you for the informative video, Me-An!
Thank you so much po for sharing your experience 😊 I'm sure others can learn sa shnare mo po.
Buti mabait yung developer na pinagbilhan niyo po at na-extend. Stay safe po 😊
balance sa DP po ba?
Omg!!! Salamat sa video kabayan ❤❤
Suggestion lang po, baka pwede tanggalin yung animation sa subtitles, nakakahilo po kasi basahin and nakakadistract din :)
The subtitle is a ready template that includes the animation so hindi ko matanggal yung animation 😔 So it's either I remove the subtitles in my next videos or continue using it for the meantime kasi wala pa kong time to do a new template. By August, for sure, I'll have a new subtitle template 🙂
ok naman hindi naman nakakahilo.
@@OwnPropertyPH ok na po nian ma'am.. nasa kania na nian bakit Kase basahin Nia Yung subtitles , 🥰✌️
Its fine not distracting
Maraming salamat sa free education po. VERY helpful!
Kudos syo mam...napaka informative...
Direct to the point tlga...
Maraming salamat po 😊
Thank you so much for this! Super helpful!
I’m glad you found it to be super helpful 😊
❤thanks maam nkakalito lang po
Saang part po nakakalito? 😊
Thank you for sharing this information!
Im so happy on my friend who works in a bank. Naclarify niya sa akin about sa loan for the house or condo. Although I can afford, still the cost is massive kahit OFW ako earning 6 digits. Patience is such a virtue. Kaya save save save. Pag di kaya wagpilitin baka kasi maremata lang ang pinaghirapan mo.
Kailangan po talaga meron ka munang emergency funds at stable income bago mag-loan dahil sayang talaga pag na-foreclose po.
hello po ? can I ask what bank is your friend working? and what is their interest and max term? thank you
Very helpful Ms. Me-An! :)
Thank you 🙂 Please don't hesitate to let me know if you have questions.
Thanks. a Lot! You’re really good!👍👍😊
Thank you so much 😊
Maraming salamat po sa pagbahagi nito madam, may natutunan ako dito
Masaya po ako na may natutunan po kayo 😊
Super helpful!
Very nice explanation,galing!
Salamat po 😊💕
Madam, pa shared naman ng info. about pag commercial and residential bldg. ang itatayo. and if san pwede mag loan, thru Pag ibig or bank. thank you madam God Bless po. More ❤️❤️❤️ very informative vlog
If commercial building po, bank loan po then kapag residential pwedeng bank o Pag-IBIG po. Thank you for watching po 😊
hi mam npaka informative ng vlog m
Salamat po 😊
Informative Video. Thank you for sharing po! :)
Welcome po 😊
Thank you very informative
Thank you very much 😊
Hi Ms. Me-An, can you please do a content about House/Property Insurance and kung necessary ba sia or optional for both Condo Unit and House and Lot. Thank you and More power to your channel. I hope mabasa mo ito :)
Sorry now lng nakaka-rep sa comments. Medyo busy lang sa work. Yes, yes, like what I said sa other comment mo. Gagawan ko for September 😊
What if I don't have a credit history in the Philippines but have excellent work and credit history in the U.S., will I be approved for a loan in the Philippines? Thank you for sharing your knowledge on your TH-cam videos, it's very helpful and informative.
Hi, Philippine banks require will require you to have ties with the Philippines to be approved for a loan so you need to have a Philippine citizenship if you’re residing in the U.S. 😊
Question lang po. U did say “3-6 months before d remaining blance is due”? Whats d purpose of housing loan kung gnito nlang kaunti ang dpat mong byaran pra sa property?
questions naman:
1. Kelan dapat magbayad ng downpayment? before i-release ung LOG from the bank ? tama bang requirement yun ng bank bago irelease ung LOG?
2. Kelan dapat pumirma ng Contract to Sell?
3. Anong guarantee ng buyer na di sya tatakbuhan ng seller if nagbayad na sya ng down pero in progress pa yung LOG at paglipat ng title? malaking amount din un (usually 20-30 % ng price)
Thanks!
1. Ang downpayment ay binabayad kung kelan kayo ngkasundo ng seller at prerequisite siya sa application. Kaya bago pa umabot sa LoG part, meron na dapat DP.
2. Contract to Sell signing depende rin sa agreement with seller.
3. Contract to Sell ang guarantee ng buyer po. Usually may real estate broker na nag-facilitate kapag hindi personally magkakilala ang buyer at seller po
😊
@@OwnPropertyPH ano po ung LOG?
thank you for this video ma'am. So Informative
Salamat po sa comment mo 😊
@@OwnPropertyPH welcome ma’am. I always watch your video, we are on the same page❤️ keep going ma’am power!
Hi maam. Thank you for your infromative videos 👏👏.
When filling up loan forms for Ofw, do we need to include loan abroad? Thank you
Yes, need niyo pong ilagay kasi kahit hindi niyo ilagay, malalaman pa rin pag nag-credit investigation po yung bank 😊
What if nababayadan naman un DP sa developer pero hindi na approve ng bank?
Example, Lancaster Alice unit 1.9M TCP
May option bang inhouse financing sa Lancaster na direkta?
Pede rin ba PAGIBIG if hindi na approve s bank?
Hello, depende po sa Lancaster kung may in-house financing sila at tumatanggap sila ng Pag-IBIG financing. Kung meron, pwede po kayong mag-in-house financing 😊 O kung tumatanggap sila ng Pag-IBIG financing then mag-apply na po kayo sa Pag-IBIG 😁
Hello mam subrang ganda at full deatails yung explanation💓 gusto ko po sana mag tanong if pano mag loan ?ng housing loan ? Kc po firstime ko palang , at wala din ako alam kong pwde ako kc wala akong mga card holder, as in firstime sa banko sana kong matuloy ako mag apply.
Hi, in-explain k po sa video kung paano po mag-apply for a housing loan 😊
Thank you for the very informative video! Learned a lot.
Ask ko lang po if pwede maghousing loan if bibili ng vacant lot sa US? Ty po and more power!
Kung sa Philippine bank ka po uutang to buy a vacant lot sa US, hindi po pwede po kasi labas na po ng Philippines. At mas okay sa US kasi mas mababa interest rates at mas mahaba ang loan term 😊
Hi,do you have video kung ano ang processo ng pagbili ng fully paid condo directly from owner? Link naman pls. Thanks
Question:
Pwede po ba mag advance payment charge to principal sa bank housing loan? Thank you.
Pwede po pero depende sa bangko kung magkano ang minimum na advance payment for ex. 6 months worth of loan payments 😊
Paano po mkpag check ng credit score if ofw ka ... security bank and rcbc
Gawa ka naman po ng video kung paano magsangla ng house & lot sa bank. Gusto ko kasi gamitin ang loan para makapundar ng panibagong property. Salamat po.
Sige po. Ipila ko po sa mga gagawin kong video 😊
Hi po. What if Self-employed pero less than 2 years pa yung business?
Hi mam, ask ko lng po kung mataas ang chance of housing approval kapag maganda ang credit history and mataas ang credit score? Kay lng po wala pa pong work, lagi lang advance mgbayad sa creditcards and condo downpayment po for now. Ano po maganda gawin? Pati sa pagibig housing loan need or must tlga may work for documentation?
Need po talagang may work kasi hindi po nagpapautang ang mga lending institutions kapag walang source of income. Sa paningin po nila, wala po kayong capacity to pay so ang mgandang gawin po ay either maghanap na po kayo ng work or kumuha kayo ng co-borrower (working at siya ang principal borrower) 😊
Nice Video po. Very informative.
About sa basic documents po. I'm not legally separated yet kasi. Pag nag home loan ako requirement ng bank are IDs from spouse. Maapproved p din po ba yun loan ko kht wla ako maibigay na docs from my ex-spouse.? Though my work nmn ako, wla naman dn ako loan s ibang banks at kumpleto ko s iba docs n need ng bank except lng s ID's ng spouse at signature. Kasi nga separated na.
If wala po kayong prenuptial agreement, separated naman na po kayo for at least one year sa spouse niyo at impossible ng magkabalikan po kayo, kuha po kayo ng judicial order para separate na ang properties niyo at hindi na kailangang magpaalam po. Iyan lang po ang way para labas na ang asawa niyo sa mga bibilhin niyong properties.
I am learning from your contents. Do you have video on how to refinance my existing loan to this new bank low rates? Or maybe how can I compute to reconsider doing such? Looking forward po. TIA
Hi, I regret to inform you that I still don’t have a video regarding refinancing. However, I plan to do one sometime in the future 😊
Hello po. Thank you for the very informative video. Pag po ba spot downpayment nang pre selling house&lot, kailangan napo agad ang Letter of Guarantee from the bank?
Depende po sa seller pero kadalasan kailangan na po agad. Kaya minsan mas ok po na hulugan ang down payment kaysa spot kasi may time to build credit kapag mag-apply po ng home loan 😊
If you also have commisions on your job how would the banks consider that? I heard po kasi commisions are valued at only 50%
Ma’am Me-An, good day po! Very informative po sakin itong video. Meron lang po ako katanungan. Kumuha kasi ako ng hulugan yung DP na property. Yung value is worth 5.1M. Meron po ako stable job sa Pinas with 130k gross salary. Yung problema ko now is yung nabanggit na collateral. Kung wala pong collateral pero meron co-borrower if ever, ma-aapprove din po kaya?
Ho, ang gagamitin pong collateral ay yung propertty na binibili niyo kaya kayo naghulugan ng DP. Hindi po tumatanggap ang banks ng home loan application na walang collateral po. Sa personal loan, pwede walang collateral. Mas mataas lang ang interest rates, mas maiksi ang loan term at maximum P 2M lang mauutang kapag personal loan po
Thanks for this video. I had gotten a loan but 2 years after a second condo turned over and i had to give it up because i didnt qualify for a second loan. It was a lot of disappointment.
That is sad to hear 😢 And the worst part of that is the down payment will be forfeited. I hope more real estate agents will take the time to learn if a buyer has already purchased a property in order to assess if the buyer will still qualify for another loan.
Hi! How long po yung processing ng sa bank housing loan and pagrelease ng pera to seller? Saan po kayang bank ang pinakamabilis na mag approve and release ng money?
Hi, yung sa pagprocess ng bank loan application, it takes at least a month po. Sa pagrelease ng loan proceeds sa seller, depende po iyon kung gaano kabilis nalipat ang title at tax dec sa name ng buyer. Ang palugit na binibigay po ng bank ay 3 months. Kaya maaring 3 months pa po bago ma-release ang loan proceeds. Yung pinaka-mabilis ay depende kung saan maganda ang relationship po
Good PM this is eric de leon
Ms Me-An may tanong ako
Trying to buy a property
Ang naka register land and house
Then napatayuan ng apartment pero di pa na register un apartment
Will that be a problem?
Sa pagkakaalam ko need ipa-update nung owner yung Tax Declaration po kasi classification ay commercial na po at tataas ng unti yung taxes. Also, if securing a loan, pasok po siya sa business loan not home loan po
Hi.... need advice... regarding bank financing, may bank approval na and after paying the downpayment and the developer ask for letter of guarantee... the bank rejected the loan... may possibility ba na ma refund full ang nabayad
Hello po, hindi po ma-refund in full ang bayad pero kapag naka-at least two years of installment kayo at canceled ang contract, you are entitled po to cash surrender value of the payments on the property equivalent to fifty (50) percent of the total payments.
Hello Ms. Me-An, I'm wondering if you could help me with housing loan process. I purchased a pre-selling lot from Avida Land. Thank you!
Hello po. I'm so glad I stumbled on this video. Very informative. Itatanong ko sana kung pwede ba mag co maker husband ko kahit foreigner sya? I was anticipating kasi na by the time na malapit na mag turn over at need na mag apply for bank financing e may work na ako. But life happens. Hanggang ngayon stay at home mom parin ako and I'm supposed to go to school later this year. So yun nga, pwede po ba si husband ang mag co maker para payslips nia and letter of employment nalang e susubmit ko? reported naman po marriage namin sa Philippines, naka joint account din kami dito pati sa taxes if they will need it if ever. I also send ing money to the philippines regularly. Sorry, I'm getting worried na kasi. I'm hoping na masagot nio po ako. Salamat po.
Pwede pong maging co-borrower si foreigner husband kung ang bibilhin niyo po ay condominium. Kapag house and lot, hindi po pwede kasi bawal mag ma-ari ng lupa ang mga foreigners.
Yun case po ni ate, nakakuha na sya,as in ok na po Yun down payment nya, Yun house loan SA bank declined sya SA BDO Which is dahil SA credit card nya,Pero na ayus na fully paid na Yun mga credits nya.and ongoing p po Yun isa pa banko China bank for house loan, Question po marefund pa po ba Yun DP nya? Nag email Kasi Yun developer na for cancellation na Yun bahay nya,.. currently NASA abroad Yun ate ko. Sana po masagot.. thank you
Kapag naka-2 years worth of installment siya, ma-refund niya yung kalahati po. Magpadala nalang po ng consularized SPA ang ate mo po sayo para maasikaso mo po
Hello Ms. Me-An, what if natural born Filipino pero US Citizen na po ngayon? Pwede pa rin po ba magapply ng loan?
Hi, ma’m, hindi po. Need niyo pong maging dual citizen at ma-prove na may ties kayo sa Philippines 😊
Hi po Ma'am, for example po mag loloan ng 4M sa bank, ano po kaya minimum income ang kailangan?
hello po maam papanu po b ang tamang process after nmin reserve yung unit?
need po ba nmin maghintay nang approval nang bangko bago kami mag proceed sa down payment or need nmin na mag down payment kahit wala p po kming approval na natatanggap ?at anu po yung pre-approval?may ganun po ba?
After niyong mag-reserve ng unit, may pipirmahan po kayong Contract to Sell. Start na po ang downpayment kahit na hindi pa po kayo nakapag-apply sa bank. Tapos mag-start lang po kayong mag-apply ng loan kapag malapit na po ang turnover. Yung loan pre-approval, ginagawa po kapag ready for occupancy na. By the way, meron po akong video regarding the buying process ng condo po na you may want to watch 🙂
May nakukuha akong disability compensation which is tax free. Meron ba kayong formula para i set siya for gross so ang debt to income ratio is lower?
Hindi po considered na income ang disability compensation kaya hindi siya maaring gamitin sa debt to income ratio po
Hi, glad I saw your vid. Ask sana ako. Parents ko ay OFW sa NZ. Awaiting pa sila sa resident visa nila at hindi sila pwede makapadala ng more than 150K kasi last time pinadalhan nila ako ng 100K tumawag yung bank sa NZ dami questions at baka mareject at madelay pa application nila. So to be safe di muna sila magpapadala ng malalaki after nalang sa RV nila pwede na sila makapagloan dun ng millions sa NZ. But may car loan din ngayon stepdad ko sa BPI PH. 5 years pa matatapos at hindi papo nag 1yr yung car. Makikita daw yan sa banks na may ibang loan at baka ma reject for housing loan. Balak sana nila kumuha ng mga old houses na pwede bank loan at ipaparenovate nila once mapaid na yung house.
Metrobank yung bet nila kasi may account na sila dun. Question ko po, ganu katagal yung application ng bank loan incase? At may ilalabas ba sila na pera before sila mag apply?
Sa car loan kasi 1 week lang samin approve na kaagad.
Malaki po sahod ng parents ko.
250K a month dad, 150K yung mom ko kaya mabilis. Kaso yung owners ng mga bahay doubtful sa bank loan, ano ba possible reason bakit umaayaw sila sa bank loan?
Sabi kasi nung last na nakatransact namin, natatakot daw siya maggive ng documents samin. Ang sabi ko naman di ko kukunin yung documents not unless paid na siya ni bank. Pero scary daw. Ewan ko. Ano ba meron sa ganyan po? Pa enlighten sana ako.
Thank you po in advance if ever masagot at may makasagot!
Hello, hindi ko po masabi kung gaano katagal ang loan process sa Metrobank kasi wala pa po akong naging experience with Metrobank home loan. Pero kung resale property ang bibilhin niyo, need magbayad initially ng appraisal fee which usually ranges from P 5,000 to P 6,000.
Usually umaayaw ang sellers sa bank loan kasi hindi nila alam ang process so best to get a licensed real estate broker to ease the anxiety of the seller 🙂
Hello Me-an can do me i favor! what you can suggest about my upcoming turn over of the Condo Shore 3 December 11, 2022
i want to apply a loan with your guidance before i go back in the Philippines.
Hello, sir, I can assist you with BDO home loan application po. Interest rate, maximum loan term, etc. is the same whether you get my assistance or not. You can start applying as early now since ber months will be busy 😊 If you are interested, you may email me po at ownpropertyphilippines@gmail.com
Hi mam paano po pag walang land title?
Hello po, ask lang po. How long does the bank approve the home loan application?
Kasi po 7months na po wala parin pong update.
Hello po, pwede po ba bumili Ng foreclosed property pero iloloan ung "pambili" sa ibang bank. Kumbaga ung Bank B and magbabayad or "bibili" sa foreclosed property ni Bank A tpos since c Bank B n ung nagbayad or bumili on behalf of you, Kay Bank B kna magbabayad Ng monthly payments/mortgage.
Kasi may mga gantong naririnig ako s ibang buyers. Too at possible Po ba ito? Thanks
Hello, it depends po sa policy nung bank. Merong ibang banks na kailangan sa bank din nila mismo uutang para mabili yung foreclosed property/ acquire asset nila. May iba pumapayag para ma-dispose na yung asset lalo na kung matagal ng na sa kanila yung property 🙂
Hi Ma’am, bakit ngayon ko lang nakita itong video niyo. Sana napanood ko muna to bago nag-apply ng housing loan. Haha! Napaka informative po. Salamat! May question po sana ako magbabakasakali na alam ninyo. After po ba maapprove ng bank yung loan application, mag CI po ba ulit ito sa current employer before mag release ng payment sa developer? Usual po ba itong ginagawa or may instances lang na kailangan nila itong gawin? Salamat po!
As far as I know po, kapag approve na po at nabigay na ang bank approval letter hindi na po sila mag-CI ulit 😊
Hmm may unsettled credit card po ako, will it affect ba my pagibig housing loan? Thank you!
Sa application niyo po for PAG-IBIG housing loan, yes, may effect po 😊
Do you happen to know if a US pensioners are eligible for a home loan? If we are w/my wife , what are the requirements?
Thank you
Hello po ☺️ question po, what if may extra income po ako na hindi po nadeclare sa ITR such as mga pautang po pero nagrereflect po sa bank statement? Icoconsider po kaya un as part ng income sa DTI ratio para maapprove ung loan? Thank you!
Ang alam ko hindi po kasi ang pinaka-basis po nila ay yung ITR mo po 😊
Hi, ask lang po sana since one of the requirements is yung income, sadly di po pasok yung income ko sa required ni bank, but I have savings sa bank around 300k-400k and yung value nung iloloan ko is 1.3M, may possibility po kaya na ma approve yung housing loan?
Thanks po. ☺️
Hello, na-try niyo na pong mg-apply? If sure po kayo na hindi pasok ang monthly income niyo, you may want to try applying for Pag-IBIG housing loan po. Pasok naman sa Pag-IBIG yung uutangin niyo at mas hindi mabigat ang amortization if ever 😊
Nice video!!! Very informative 👍👍👍
Thank you so much po 😊💕
Hi ma'am tanong ko lang po saan po kumkha ng judicial order?
Para po makakuha ng judicial order/ court order, need niyong mag-file sa court kung saan matatagpuan yung property, go through trial and wait for judge’s decision. Best to consult a lawyer para matulungan kayong makuha ang gusto niyong judicial order 😊
Thank you for sharing this very informative video.
How can I request my credit score and report sa CIBI?
Download the CIBIApp via the Google Play Store or access the app via web browser ( cibiapp.cibi.com.ph/#/login) but I don’t find the web browser to be working.
Register by entering your personal and contact information and creating a username with password. You would also be asked to upload the following:
1. One primary ID (SSS, GSIS, TIN, UMID, and driver’s license)
2. One secondary ID (Passport, PRC ID, IBP ID, OWWA ID, senior citizen’s ID, voter’s ID, digitized postal ID, SSS ID, and GSIS e-Card)
Finally, you may schedule an appointment for online character verification via video call from Mondays to Fridays, 8:30 AM to 5:30 PM.
CIBI will send you a confirmation email, together with guidelines for the character verification process. Please take note that request for your credit report is not free 😊
Hi ma'am pa notice po , very impormative po talaga ang video niyo .. ofw po asawa ko at may plano kami mag housing loan kasi may binebente pong bahay dito malapit sa tinitirhan namin .. pwede po ba ako ang mag apply kahit onboard asawa ko may allotment po ako sa kanya at wala po kaming ibang loan ..
Hi, ma'm, I think pwede naman po basta may pang down payment din po kayo sa bahay na bibilhin niyo at meron din kayong pambayad sa bank charges 😊
Is there a FICO credit scoring in the PH? I know in US, that's how they determine loan approval and interest rates.
I honestly don't know what kind of credit scoring system is used in the PH but I am 100% sure that we have credit scoring used as the basis for loan approval and interest rates. Our credit scoring is handled by the Credit Information Corporation (CIC), the only centralized registry of credit data in the country. However, for us to secure a credit report and credit score, it has to be coursed through CIC's Accredited Credit Bureaus.
Hi! May I know who are the eligible co-borrowers for bank loans?
Eligibility requirements for co-borrowers on bank loans can vary based on the specific policies of each bank. However, the common criteria typically considered for co-borrowers include relationship (immediate family members are preferred), creditworthiness, age, and can provide documentation like identification documents, proof of income, bank statements, and other financial records 😊
Advice naman po ilang years ang pinakamagandang fixed interest rate
It depends po on the rate given by the bank and your capacity to repay the loan. For example, if you think you can pay the loan in ten years then a 7% interest at 10 years fixing period 😊
@@OwnPropertyPH if the bank loan is approved at 7% fix interest , will there be a penalty if I pay the full amount on the 5th year?
Hi, inquire lng po Sana ako about SPA BPI format?
Hello po, BPI usually provides this once you are already pre-approved po 😊
Hello! Mam, pwede din po ba gamitin ang land tittle pag magapply kmi ng personal cash loan?
Kapag personal loan, hindi po kailangan ng collateral 😊
Ms. Me-An. May home loan options ba for low income earners at walang ITR dahil freelancer?
Meron po pero via PAG-IBIG. Hindi po kasi nagpapautang ang bangko kapag walang ITR
tanung ko lng po kung pwedi ba gamitin as collateral ang land title ng agricultural land para po sa loan ng house construction pero sa ibang location po na hindi pa titled .thanks po
Ang alam ko po yung lupa kung saan itatayo yung house yun ang gagamitin na collateral at need na may title po iyon 😊
hello po! kelan po exactly ibinibigay ang 20% sa seller?
Kapag pumayag ang seller na bilhib mo ang property at bago ka po mag-apply ng bank loan 😊
Good day! Meron po bang bank/s na nag a-allow ng non relative na co-borrower? Thanks for the very informative video.
Yes, meron naman po basta sure na talagang tutulong sa bayad yung co-borrower. Na-try ko po sa BPI 😊
@@OwnPropertyPH Thanks po
Hi po. Pagpasa ho ba ng kumpletong requirements sa PAGIBIG, gaano ho katagal ang approval?
Hi po madam.. baka po pwedeng matulungan nyo ko sa home improvement loan sa pag ibig.. baka pwede nyo po gawan ng content po. and differentiation na ren po ng home improvement loan ng pag ibig versus housing loan ng banks po.. thank you and more power!
Sige po 😊 Gawan ko po iyan ng content sa future 😁
gd pm.pwedi po ba dun kna lng din
komuha ng cash out.sa loan mam.
smlpe yng houseng 1m pwedi mg loan 1.5m yng cash out pa ppgawa pa ng gate.or mg iba pa..
it's not possible ba talaga makapag loan kapag walang net of income or income documents? nag buy and sell business lang kase ako. gusto ko sana mag home loan para makabili ng property at para gawin boarding house business dito sa city namin.
Yes, hindi po possible na makapag-loan kapag walang income documents. All lending institutions require a proof of source of income. Kung nag-buy and sell business naman po kayo, pwede niyo pong i-register ang business tapos magpapakita lang din kayo ng financial statements po 😊
Hi ma'am, pwde po bang magloan kung ung account q po ehh pang atm for salary po? Salamat po🙏
Hello po, hindi po bawal mag-apply ng loan kapag salary account pero hindi lamang po yan ang factor na-icoconsider sa pag-evaluate ng iyong application. Titignan din po ang iyong employment, credit history, magkano ang iyong down payment at iba pa po
Hi, ask ko lang pag dating sa collateral, kung sakaling ma-approve ang application, may maximum of years lang ba na pwede mabayaran ang loan mo? Thank you.
Hello, opo merong maximum loan term depende sa type of property. For example, kapag condominium, maximum years ay 20 po while sa house & lot, 30 years 😊
Hello po maam...na approved na po loan ko sa bank 1850000 pero nagulat po ako sa bank fees 37k ganun po kamahal...
Hi Ma'am, question po. Nakikita din po ng bank ang existing housing loan sa pag-ibig?
Hello, gmgawa po ng credit investigation ang PAG-IBIG 😊
Hello, wala naman akong problem sa mga requirements, may 1m ako sa bank and nagwowork dito sa pinas, almost 7yrs na rin ako sa Company ko, yung pagpapasa ng income tax, what if yung asawa ko ay walang income tax, sabihin nating walang work for almost 6 or 7yrs, magkakaproblem ba ko? Sumaside line side line lang kasi sya.
Hello, can i request for a higher home loan amount vs the TCP? Example, the property cost 4m, and i want to loan 4.5m - will the bank allow it? I don't have enough cash to pay for the 20% of the 4m that is why I am thinking if I can loan 4.5m to lower the downpayment I need to pay.
If that is allowed by the bank, I will only need to pay the downpayment worth 400k (which is 20% of the 4m) and not 900k (which is 20% of 4.5m), right?
Hi, even if you request, the amount they will lend you will still be based on the appraised value. And for resale, the minimum equity is 20%, so you’ll need P 800,000 for the down payment if the value of the property is P 4 M.
Thanks so much for this another informative video. Mam, saang bank po kaya pinakamadali maaprove ang home loan?
Usually sa bank na meron kang savings account po 😊
May question po ako, si bangko po gusto niya na itransfer yung title from old owner to new owner kahit na downpayment pa lang po yung nababayaran ni new owner, okay lang po ba yon? (Fully paid na po btw si old owner sa bank) Ano po bang process po talaga nito?
Hi, ganun po talaga ang process. I-rerelease lang nila ang loan proceeds kapag ang title at tax dec ay na sa name na ng new owner. Pero palalagyan nila ng mortgage annotation po yun sa Registry of Deeds 🙂
@@OwnPropertyPH Maraming Salamat po Ms. Real Estate student here, trying to practice na din po kasi by gathering questions para in the future hindi na ganun mangangapa. Thank you po 😌❤️
@@alecbane1293 Ok po 😊 You can also keep on watching the videos I release to learn more 😊
@@OwnPropertyPH Will definitely watch Ms. Me-an..
hi mam kailangan ba my savings ka sa banko na applyan mo oh kahit wala pwede at paano?
Pwede namang wala po kaso checheck pa rin nila kung may savings ka po pati credit history m po 😊
Hi Ms. Me-an, ginawan po ako ng supplementary credit card ng sister ko 8 years ago, then may mga balance and interest pa siya na hindi na nabayaran until now. Possible po ba maka affect din yun sa credit score/report ko since andun name ko sa supplementary? I'm about to apply na din po kasi for a bank housing loan. Thanks po
Hello, from what I know, supplementary credit card just increases credit utilization but for the unpaid balance, it affects the credit history of the primary card holder (your sister) and not you. So hindi yun makaka-apekto sa credit history mo. If you want to make sure, get your credit report from the Accredited Credit Bureaus I mentioned in this video 😊
Thabks for the informative content. I and hubby are planning to apply for a mortgage loan, he is locally employed and I'm an independent contractor outside PH. what's the % of us getting approved?
Hello, ma'm, I won't be able to assess the likelihood since your financial capacity isn't the only consideration for loan application approval. Yout credit history, debt-to-income ratio, etc. are also assessed po
@@OwnPropertyPH Thanks for the honest feedback. I guess we'll just have to work on those things first before we apply and increase our chance.
Hi ma'am, pede po ba akong mag house loan sa bank pero kasi un bibilhin ko rights only lng, naaapproved po ba sa bank un?
hi. ms mean.. si seller po humihingi ng cashout kay buyer doon sa asking price ng house na iresale nya, then ung balance thru bank loan na.. May a bayad pa din ba si buyer sa bank ng 20%?
Hi, wala na pong babayaran na 20% si buyer. Need talaga ng cash out kasi up to 80% lang ang pwedeng ipahiram ng bank. Pero minsan mas mababa pa yung pwedeng iloan depende sa appraised value ng bank 😊
Hi Maam Good Eve..Mag loloan po sana ako ng malaking amount sa banko at ipang collateral ko po sana yung house and lot ko,,,may chances po kaya na ma grant po yung loan ko lalo na po na aalis po ako sa trabaho to focus on my business
Hello po, get a business loan po if ever kapag housing loan kasi stability ang hanap po nila 😊
hi maam, ask ko lang po if you have any idea na pag home loan sa banko usually how many years to pay po? thank you :) just saw your videos today and its all very helpful :)
Depende po sa loan term na in-apply niyo po, type of property at na-approve ng bank 😊
Hi Ms. Me-an, inendorse po kasi ako ng developer sa accredited bank nila, ask ko lang po if same lang din yung interest rate na ino-offer ni bank pag halimbawa ako yung maglalakad ng docs ko sa kanila?
Hi, it depends pero kung ikaw ang maglakad, pwede ka pang makipag-negotiate 😊
@@OwnPropertyPH thanks opo
Hello Miss I would like to ask about about credit score, pwedi ba credit score sa ibang bansa? Wala akong credit card sa pinas, pero meron akong Pag-ibig loan which is almost done na.
Kelangan bang in person talaga ang pag transact ng loan? Kasi I only have 3weeks maximum vacation/per year.
Following on this. Same situation tayo and anxious if mababalewala ang pag downpayment for the unit
Hi, kapag alam po ng lender na OFW po kayo, remittance at regular visits sa Philippines ang mas important po sa kanila. Hindi po necessary na kayo mismo ang mag-transact ng loan. Ang kailangan lang po magbigay kayo ng consularized o Apostilled na Special Power of Attorney 😊
Paano po if hindi na approve sa pag-ibig? Masasayang ba downpayment namin sa developer?
Kapag hindi ka po naka-two years worth of installment. Wala ka pong makukuha
Maam what if yung bahay na kukunin is under NHA tpos bnbenta saamin, makakapag loan po ba kmi? Hndi sya yung kagaya sa mga preselling houses na may developer. Ano po process nun.
Hello po, kapag NHA nagbebenta, meron pong NHA housing loan kaya hindi niyo na kailangang kumuha ng home loan sa bangko 😊
Hello, just want to know if the TCT ay kailangan nakapangalan na sa taong mag aapply ng loan?
Hi, hindi po pero dapat nakapangalan sa seller ang titulo para ma-ensure niyo na siya talaga owner 🙂
Posible kaya ma aproved yung housing loan sa banko kahit 500k then 5years to pay? Ofw baka kasi ma decline wla nman akong utang sa kanila..
Possible po kapag stable ang trabaho mo, maganda ang credit history at yung property na bibilhin niyo ay may katumbas o mas mataas na appraised value sa uutaning mo po 😊
My unit/developer is not accredited with PagIbig. May I still apply with PagIbig?
No, ma'm, since the developer won't accept the guarantee letter from PAG-IBIG and you won't be able to move in to your unit 😊
ask ko po if pinafalhan ka na ng banko ng demand letter to pay the full amount (loan)
ano po ba pwede ng gawin na hakbang since hindi po kaya pa bayaran ang full amount sa banko. sana po mapa sin ang question ko, thank you.
Hala bakit full amount of the loan na po ang sinisingil sayo? Usually may grace period pa, pwedeng pakiusapan, o mag-refinancing. Kaso dahil umabot ka na po sa gnyang scenario, hindi ko na pa alam kung anong ma-suggest po 🥺 Kasi hindi na rin yan mapapasalo sa iba. Ang magagawa mo nalang ay mangutang po sa iba if ever.
@@OwnPropertyPH bakit po umabot s ganto?