Theres a lot of explaination about this in youtube you just make it in our native language anyway thank you for your efforts so it could easily understood by all pagibig members.
Been watching your videos for the past few weeks now and i can definitely say your channel is underrated. This kind of channel deserves 1m subscribers. Thanks for sharing the terms from Pagibig. Can you also explain if bank has this kind of option?
Thankful ako sir at lumabas sa recommendations ko ang channel mo and ang dami kong natutunan first time halos ko marinig ang mga topic mo regarding PAGIBIG. More Power and God Bless po
@@RalfRogerTagao mas ok po ba kung i short tem nalang ? (lets say qualified naman at no problem sa laki monthly ammort), when it comes to interest, mas maliit ba sa short term or pag bayad nang doble for 30 yrs?
May natutunan pa ako dito sinole and direct kesa dun sa pinanood kung ibang channel ka bwisit panoorin. Thanks sir sa info. Balak ko din sana mag double or triple sa monthly ko
8th to hit like this time, Sir Ralf! Thank you for sharing this computation today. Anyway, I could always come back to this vlog if it applies to me in the future. Keep your energy alive always! Cheers!
Thank you for this great video sir, really helpful. I'll ask question sana sir, medyo confused lang if tama po ba na yung interest rate used is 6.735% and according to pag ibig site, it is only for 3yr fixing rate so succeeding years, interest rate is subject for repricing so I assume na pwedeng magbago yung interest rate at hindi siya static na 6.735%?
Thanks napaka-positive ng advice na ito... Iniisip ko ang laki pa ng babayaran at ang tagal pa matapos... Balak pa naman kumuha ng house thru pag-ibig loan..
Hi Sir , thank you, explanation is very clear and precise. Is it possible know the formula to get the present value factor in the sample spreadsheet pls? I want to try it on my own which will suit me best 🙂 thanks in advance po
Hiiii, Did you find the formula for present value factor in google? Is there someone here can share directly link or formula, I can't find the right formula in google. :(
Thank you Sir. Napaka gandang explanation, very challenging kung paano way mpapaikli terms ng pag full payment ng house. Kaya natin to!!! Tiwala lang kay GOD! 🏡🏡🏡😇😇😇
Thank u, Sir maguumpisa pa lang ako sa pagibig soon . Ganito ang gagawin ko pala. For turn over pa lang bahay ko, 5 yrs waiting na. Nakakaumay. At worru ako sa pagibig loan. Eto pala ang dapat kong gawin. Thank u so Much. New Subbie here!
Very informative sir, thank you so much! I just reserved a house and lot. May idea na ako now what to do after ma apply a PAGIBIG housing loan. Thank you po.
Thank you sir ralf. Mas makakatipid pala pag ganito. Iplano sana namin ng 10yrs s monthly amort sa pag ibig. Idoble nalang pala namin ung payment pag nag advance. Big help po ito.
Good day po sir...tama naman po ung computation nyo kung di magbabago ang interest rate..pero after 3years nagbabago po ang interest rate magbabago parin ang computation.
yes may changes after 3 years pero very minimal. di naman siguro pwede na magvideo tyo ng every 3 years changes at 30 years ang iyong loan term. so it will take 10 times of this ang need nating gawin. ang concept is mapabilis ang pagbabayad at di big impact ang changes sa interest rates nung ibababa sa loan term.
@@RalfRogerTagao Yes po sa main Pag ibig office ako ngbabayad sa Iloilocity ng applied principal ung akin kasi 19yrs to pay bali png 3 yrs ko na this year pero last this 2020 lng ako ng start bayad ng principal equevalent sa 8k montly ko kasi 7k something kaya ginawa ko na 8k para buo,Thanks and God Bless
Im in my 5th year na so this is very helpful..i remember this was discussed in my seminar pro better na naremind ulit ako hahhaa kudos i subbed you!! 💯
Very good video. Sana po na include din yung total savings sa interest. Kasi di lang yung number of years yung mag-iiba. Malaki rin yung matitipid sa actual interest. Thank you.
Big hep po itong video na to sa akin. Mabuti nlng ito una kong napanood dahil di tlga ako nalito. Very precise yung explanation. Thank you po. Dahil diyan subscribe po kita. ❤️
Thank you po sir, marami po akong natutunan hinahanap ko po nxt vlog na loanable amount na 1.6m payable in 30 yrs tapos applied to principal yearly ng 50k di ko po makita he he
kapag 30 years ang housing loan mo at gusto mong bayaran sa loob ng 10 years eh di triple mo yung bayad at on time . pag mahaba ang term ng loan mo asahan mo na malaki ang interest.
iba ung purely advance payment, sa applied to principal. if mag triple ka lng ng payment mo, binayaran mo lng ung next 3 months due mo at walang malaking effect un sa principal balance. while ung applied to principal, if nagpay ka ng monthly mo then ung 2 months pumunta ka sa office ng Pagibig para mag applied to principal, ibawas ng buo ung iyong payment sa principal.
@@RalfRogerTagao actually Sir pgkatapos ko mag comment saka ko nman nakita mga video nyo na hinahanap ko. pacensya na po, at maraming salamat sa napakahalagang videos na ginagawa nyo para sa aming mga ordinaryong OFW. Mabuhay po kayo at God Bless.
Thank you for the information sir. Meron kasing officer na naka usap ng asawa ko sa pag ibig at sinabi na kapag nag bayad kami ng advance applied principal babawasan pa raw nila yun ng interest and insurance daw..
Salamat po, yun po bang ibabayad namin sa applied to principal mababawas yun ng buo sa principal namin? gusto kasi namin bayarang ng 5 years lang ang 25 years na loan namin
Newly subscriber here,very informative kaka apply ko lang and waiting sa tawag ni pagibig..Thank you so much mali pala ung plan ko na mag advance...Now I know what to do in advance..Godbless
Theres a lot of explaination about this in youtube you just make it in our native language anyway thank you for your efforts so it could easily understood by all pagibig members.
thank you
Been watching your videos for the past few weeks now and i can definitely say your channel is underrated. This kind of channel deserves 1m subscribers. Thanks for sharing the terms from Pagibig. Can you also explain if bank has this kind of option?
thanks. you can ask the bank for recomputation Sir if you want to pay in advance that can be applied to principal
wow laki pala matitipid sa interest, alam na this sir Ralf! so proud galing po ng coach ko!
thanks and welcome Ma'am Cath
Sir, pwede po ba mag-advance payment apply to principal kahit hindi saktong araw kung kelan ang due date ng monthly amort?
sir pano po pala malalaman kung magqualify ka sa 30 yrs? at pano po malaman ung interest rate?
sana sir dumami pa ung katulad mo na nag se share ng makabuluhang kaalaman ung iba puro panggugulang ang inaatupag
thanks
Thankful ako sir at lumabas sa recommendations ko ang channel mo and ang dami kong natutunan first time halos ko marinig ang mga topic mo regarding PAGIBIG. More Power and God Bless po
thanks and welcome
This is very informative! Thank you for sharing!
You are so welcome!
@@RalfRogerTagao boss,,pede po b makahingi ng excel format ng amortization computation,salamat po
Ok to sir lalo na sa mga clueless or kulang sa info sa ganitong bagay. Subscribe agad ako pagkanood ko nito. Thumbs up!
Sir na subscribe na. At na like na. Pwese.pahingi nga format na yan po.
Kung may extrang pera, lagay lang palagi sa principal. It will make a big difference para matapyasan ang babayaran in the long run.
correct
@@RalfRogerTagao mas ok po ba kung i short tem nalang ? (lets say qualified naman at no problem sa laki monthly ammort), when it comes to interest, mas maliit ba sa short term or pag bayad nang doble for 30 yrs?
Thru pandemic kasi
Sir pde pobang Di magbayad ng 1month sa bank housing loan
Sa bank ba meron niyan?
First time to hear this. Thank you, Sir Ralf Roger! Subscribed (:
Thanks and welcome
ang galing mo sir. daming matututunan sa channel mo
thank you po
May natutunan pa ako dito sinole and direct kesa dun sa pinanood kung ibang channel ka bwisit panoorin. Thanks sir sa info. Balak ko din sana mag double or triple sa monthly ko
ok sige po. pwede din ung from time to time lng na may budget po kyo. check nyo po itong isa ko pang video, th-cam.com/video/0u8ZbDmVUvM/w-d-xo.html
Thank you so much sir, been watching your videos for months now. More power! ❤️
Welcome!
8th to hit like this time, Sir Ralf! Thank you for sharing this computation today. Anyway, I could always come back to this vlog if it applies to me in the future. Keep your energy alive always! Cheers!
thank you po
Thank you for this great video sir, really helpful. I'll ask question sana sir, medyo confused lang if tama po ba na yung interest rate used is 6.735% and according to pag ibig site, it is only for 3yr fixing rate so succeeding years, interest rate is subject for repricing so I assume na pwedeng magbago yung interest rate at hindi siya static na 6.735%?
Thanks napaka-positive ng advice na ito... Iniisip ko ang laki pa ng babayaran at ang tagal pa matapos... Balak pa naman kumuha ng house thru pag-ibig loan..
This will save many Filipino financial lives! Galing!
thank you
Sir Pwede ba mahingi ung template mo nito?
Pwede po ba pahingi ng template salamat po
meron na po bang nabigay na soft copy ? thanks po . sobrang laking tulong nito .
@@Bunny-qq6eb wla parin
Sir pwede pong pahingi ng template
sana makahingi ako ng template
Hi Sir , thank you, explanation is very clear and precise. Is it possible know the formula to get the present value factor in the sample spreadsheet pls? I want to try it on my own which will suit me best 🙂 thanks in advance po
Hello Ms. Lara, for present value factor, you can search in google, Present Value of Annuity.
Hiiii, Did you find the formula for present value factor in google? Is there someone here can share directly link or formula, I can't find the right formula in google. :(
Ff
Thank you Sir. Napaka gandang explanation, very challenging kung paano way mpapaikli terms ng pag full payment ng house. Kaya natin to!!! Tiwala lang kay GOD! 🏡🏡🏡😇😇😇
pwede naman po yan khit once a year lng. khit papano may impact pa din
Ang pinaka maganda dito, laki nang tipid sa interest 🙏. Thank you
thank you
,sobrang nagets ko na po talaga to. Salamat po. Dpat apg magbbyad ka need mo sabihin applied to principal
Thanks sa information mo.. big help ito sa mga magloloan na tulad ko..
alright po
Informative. Thanks.
thanks and welcome
Maganda kasi explanation nio. Kaya ayos . Godbless po sir
Thank you Sir. Isa sa informative video nakita ko sa youtube. Done subscribing.
thanks po
thank you sir Ralph gusto ko talaga mag advance . ofw from taiwan.
alright po
Emphasize ko lng 3:22 . Kailangan sa pag-ibig diretso magbayad, Ty Sir sa info.
yes po. direct Pagibig lng po pag advance to principal
Thank u, Sir maguumpisa pa lang ako sa pagibig soon . Ganito ang gagawin ko pala. For turn over pa lang bahay ko, 5 yrs waiting na. Nakakaumay. At worru ako sa pagibig loan. Eto pala ang dapat kong gawin. Thank u so Much. New Subbie here!
sige po
Very informative sir, thank you so much! I just reserved a house and lot. May idea na ako now what to do after ma apply a PAGIBIG housing loan. Thank you po.
you're welcome.
Thank you sa idea, Sir!! Now I know bago kami kumuha ng housing loan. ❤️
alright po. welcome
very impormative thank u sir..
All the best
Sir Ralf slmt s tips m napakaganda God bless you po💕
salamat din po
Thanks po Sir. Magagamit ko ito sa pagiging sales agent sa Real Estate po. Your new subscriber po😊
alright
thanks sir, may idea n ko para mapabilis ang taon ng aking pagbabayad sa housing loan
alright po.
Thank you sir ralf. Mas makakatipid pala pag ganito. Iplano sana namin ng 10yrs s monthly amort sa pag ibig. Idoble nalang pala namin ung payment pag nag advance. Big help po ito.
pwede pong once a year, or once in a while. not necessarily po na doble monthly
Very clear explanation thanks
You are welcome
@@RalfRogerTagao sir gusto kong benta lot ko s Bulacan Baka naman
Salamat po Sir sa tips ang laki Pala ang maibawas kapag double ung ibabayad ng monthly amortization Apply to principal
alright po
Napaka informative nito, sir. Maraming salamat po.
you're welcome
Kaka-approve ko lang sa PAGIBIG. Maraming salamat at napanood ko itong video mo Sir. Very informative and clear :)
alright welcome po
Wow pede po pala 'to. Thanks laking tulong po since plano namin ni Hubby mag loan para sa kulang sa house and lot na bibilin namin. 👍🏻
yes po, check nyo din po itong other video ko, if once a year lng mag applied to principal, th-cam.com/video/0u8ZbDmVUvM/w-d-xo.html
Wow! Buti na lang nakita ko tong video na toh.. salamat po🥰🥰🥰
you're welcome po
Thank you sir marami po akong natutuhan sayo.. 1st time kopo kase & balak ko po sana mag apply ng housing loan.. so nagka idea na po ako 😊😊😊
alright po
Malaking bagay po ang content nyo ngayon. Salamat po...
walang anuman po
Grabe sir! Super na enlightened Ako! Salamat!
thank you
yes!!!! salamat sa pag share sana mabayaran ko nga ung bahay ko in less than 10 yrs nakakainspire!!!!!
you're welcome po
Thank you po sa video.. nagka idea ako...
you're welcome po
Good day po sir...tama naman po ung computation nyo kung di magbabago ang interest rate..pero after 3years nagbabago po ang interest rate magbabago parin ang computation.
yes may changes after 3 years pero very minimal. di naman siguro pwede na magvideo tyo ng every 3 years changes at 30 years ang iyong loan term. so it will take 10 times of this ang need nating gawin. ang concept is mapabilis ang pagbabayad at di big impact ang changes sa interest rates nung ibababa sa loan term.
Thanks for very informative kasi yun ginagawa ko double payment ko equavalent sa monthly amortazation ko
alright po. pero dpat po sa Pagibig offices kayo nagbabayad ah. baka po di iapply sa principal, if di sa Pagibig offices, typical advance lng
@@RalfRogerTagao Yes po sa main Pag ibig office ako ngbabayad sa Iloilocity ng applied principal ung akin kasi 19yrs to pay bali png 3 yrs ko na this year pero last this 2020 lng ako ng start bayad ng principal equevalent sa 8k montly ko kasi 7k something kaya ginawa ko na 8k para buo,Thanks and God Bless
@@RalfRogerTagao sa Main Pag ibig office mismo po sa aming lugar sa Molo Iloilo city
ito po pala sagot sa question ko sa isang vid mo. Thank you so much sir dami ko natututunan
you're welcome po
Maraming salamat po sir dami ko natutunan
walang anuman
Good evening sir! New subscribers niyo po ko! Salamat ng marami nagka idea po q paano mapabilis ang housing loan. Mabuhay po kayo.God Bless!
Wow may paraan po pala para mapadli ang payment thank u po sir
Im in my 5th year na so this is very helpful..i remember this was discussed in my seminar pro better na naremind ulit ako hahhaa kudos i subbed you!! 💯
Glad it was helpful!
Gandang content, ang helpful kasi sakto pinplano ko din paikliin yung 30 year loan ko 🙂 Salamat Sir Ralph!
Very good video. Sana po na include din yung total savings sa interest. Kasi di lang yung number of years yung mag-iiba. Malaki rin yung matitipid sa actual interest. Thank you.
Magkano masave mo sa payment sa Loan if once a Year, mag Applied to Principal kay Pag-IBIG?th-cam.com/video/0u8ZbDmVUvM/w-d-xo.html
Thank you sir for this idea..a great help for us.
Thank you sir Ralf! It help me a lot. You are one of a kind. My former boss sa finance! God bless you and your family! 😊
Thanks Meling.
Pahingi nmn po kopya nung computation sheet ninyo please. :)
Very impormative idol salamat sa new knowledge🤩🤩godbless
Thank you sir. 🤗 very informative.
Thank you! Saktong sakto para mapaghandaan ko ang 2021. I badly need to re-construct my budget. 😄
alright po
Magkano masave mo sa payment sa Loan if once a Year, mag Applied to Principal kay Pag-IBIG? th-cam.com/video/0u8ZbDmVUvM/w-d-xo.html
sir napaka dami mo po tao na natutulungan, ituloy nyo lang po iyan.. God Bless you po sir.
thank you
Boss.baka nmn pwede malamn ang format
Salamat sa info sir tagao
you're welcome po
Thank you so much sir magccmula pa lang kme maghulog kaya dahil dito po nagka idea po ako
alright po
Ngaun q lng po nalaman to, thnkyou po s video nio😊
alright po. welcome
Thank you sa information sir dahil May balak na ako kukuha ng housing loan
alright. welcome
Thanks for this great information Sir. Ralf. God bless po again more powers
Welcome!
Salamat sir, informative, helpful at di ko na need magpunta sa office ng pag ibig, nasagot mo na 👍
sige po. pero pag applied to principal ay sa Pagibig offices po kyo need pumunta.
Hi Sir, ito talaga yung hinahanap ko na mga videos, Salamat Sir
you're welcome po
thank you for sharing sir..
My pleasure
Salamat sa pag share! laking tulong.
you're welcome
Wow! this has been so helpful. I am trying to bid the Pag ibig acquired assets and this is what I will do. Thanks a lot. New Subscriber here.
Thanks and welcome
Big hep po itong video na to sa akin. Mabuti nlng ito una kong napanood dahil di tlga ako nalito. Very precise yung explanation. Thank you po. Dahil diyan subscribe po kita. ❤️
thank you
salamat sir malaking tulong po ang inyong explanation
thanks po
Ang galing. Thank you sa pag share sir☺️
welcome
Thank you po sir, marami po akong natutunan hinahanap ko po nxt vlog na loanable amount na 1.6m payable in 30 yrs tapos applied to principal yearly ng 50k di ko po makita he he
very specific na po kasi yan sir in terms of amount.hehe. ang goal naman po dito ay maipakita na may impact pag nag applied to principal
i find this very helpful! thanks
Glad it was helpful!
Buti nalang po sir nagpost ka ng ganito malaking tulong po talaga
kapag 30 years ang housing loan mo at gusto mong bayaran sa loob ng 10 years eh di triple mo yung bayad at on time . pag mahaba ang term ng loan mo asahan mo na malaki ang interest.
iba ung purely advance payment, sa applied to principal. if mag triple ka lng ng payment mo, binayaran mo lng ung next 3 months due mo at walang malaking effect un sa principal balance. while ung applied to principal, if nagpay ka ng monthly mo then ung 2 months pumunta ka sa office ng Pagibig para mag applied to principal, ibawas ng buo ung iyong payment sa principal.
Thank you for sharing sir 👍
You're welcome
Thanks sir for this info..
you're welcome po
Salamat po sa info. Sir isa rin po ako nagloan ng pag ibig housing loan..First timer po ako s yt u nksubscribe npo.. ako sa TY u...GOD BLESS PO❤❤❤
salamat po sa paalala sir😇
Salamat din
thankyou for information kumuha po kami ng housing pag ibig for 25 yrs pede palang mapaliit ang interest😀
Interest Fixed Pricing Period for Housing Loan | Tips on Buying a House Philippines
th-cam.com/video/8Da9VRC34RY/w-d-xo.html
👋👋👋
God bless u po! Super like d way u discuss
Thank you so much 🤗
Very infromative sir.
Need ko pa naman toh malaman kase im planning mag advance dn ng mga payment. Salamat sir
you're welcome
but now ko lng to nakita.slamat boss
Interesting topic sir.
thank you
New subscriber here Sir. Salamat sa info. And as a sign of my gratitude Sir, hindi ako mag skip nang ads.
thank you
Thankyou sir ! It helps a lot.
Thank you Sir Ralph! Useful info.
alright po
ang laki pala ng tipid pag nag aadvance applied to principal
Thank you po sa pagshare n2ng kaalaman para sa amin po..Godbless po
Salamat dito sir. More sales to come! Keep safe and healthy!
welcome and thank you also
3:00 pwede palang mag advance payment.
dapat po siguro Sir pinakita nyo rin ang computations kung mgkano ang natipidsa interes as compared kung binayaran talaga ng 30 years.
th-cam.com/video/mZ9Ov7BHAfY/w-d-xo.html
check nyo po itong various video series natin para dito sa topic na ito.
@@RalfRogerTagao actually Sir pgkatapos ko mag comment saka ko nman nakita mga video nyo na hinahanap ko. pacensya na po, at maraming salamat sa napakahalagang videos na ginagawa nyo para sa aming mga ordinaryong OFW. Mabuhay po kayo at God Bless.
thank you sir ralph malaki pala matitipid
you're welcome po
Thank you for the information sir. Meron kasing officer na naka usap ng asawa ko sa pag ibig at sinabi na kapag nag bayad kami ng advance applied principal babawasan pa raw nila yun ng interest and insurance daw..
ang interest at insurance ay part un ng monthly amortization, iba po ang applied to principal
Salamat po, yun po bang ibabayad namin sa applied to principal mababawas yun ng buo sa principal namin? gusto kasi namin bayarang ng 5 years lang ang 25 years na loan namin
Yan ang gusto ko marinig sir mapaiksi ang taonb
ok po
Newly subscriber here,very informative kaka apply ko lang and waiting sa tawag ni pagibig..Thank you so much mali pala ung plan ko na mag advance...Now I know what to do in advance..Godbless
you're welcome
Thank you po. Very helpful
Glad it was helpful!