PAG-IBIG House Construction Loan
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- Опубліковано 28 сер 2024
- If you prefer to build your own house with your own design that will suit your need but don't have enough budget to construct?
Yes, you can use your PAG-IBIG to loan for the construction of your house!
Eligibility & Requirements :
www.pagibigfun...
www.pagibigfun...
Special Power of Attorney for Accommodation Mortgagor :
www.pagibigfun...
Finally, I have been looking for this kind of video!
Well better to borrow from a person than here🤣..
Hi thanks for the video po. Regarding po sa land title. Isang lot pero 4 kami nakapangalan, mga kapatid ko and father ko but the prob is ung father ko was passed away 2 yrs ago pa. Pano po un?? Need pa po ba ng new title?? Pero po ang amelyar and tax dec os ung brother ko naman po nakapangalan eh lahat ng receipts and siya din po ang magloloan.. sana po masagot niyo salamat po.
May will of testament ba iniwan singlevpa kayo lahat
Yon tittle sa father mo pa at father mo napangalan
This is how info video should be done. Simple, accurate and comprehensive. Thanks for this. Kudos!
Thank you, Jandro!
I hope PAGIBIG will make their house loan application easier and no personal money for the first phase
The requirements and process are quite stressful but the video is very helpful. Thank you for this sir!
Most welcome!
Ako po sna sir kaso dto ako sa abroad
Sa pag ibig hauseng loan po ung bahay ko po...
the way u explain parang ang dali pero pag process masakit pa sa break up😅😂
Very informative, thanks sir!! ,, magloan sana ako pero hindi nlang ,, super stressful at magastos sa requirements plang, parang ayaw magpautang ni PagIbig😁
Wa mn diay hinungdan ning pag ibig d man friendly sa mga member .....bakit Kasi kailangan pang mapatayo Muna Bago sila mgrelease kaya nga umutang pra mkapagsimula .....hayyys gagong utak kaya d aasenso ang Pinoy memeber na nga pinapahirapan pa
tama po kyo
Ang sakit sa ulo ng process pero kudos kasi ang galing nyo po magexplain. 😁☺️
Finally nakapanood na din ako very informative process sa Pagibig specially sa housing loan. Medyo napaisip tuloy ako daming proseso pala.
Hi po I'm from a different realty Pero Lodi po Kita and human shelter grabe galing po ninyo nakaka inspire
Mentor Chris, you are the real "go to" person! I admire your expertise, clarity in explanation, and especially your natural unfiltered aura! your mom and I know each other, and i saw you growing up. Would you please ask her to accept my FRIEND REQUEST ... waiting! (she knows my by "Anne")
Thank you po for your kind words. Yes, will tell her po. She has 3 FB accounts.:)
Grabe pala ang proseso.. Mas maganda mag loan nalang bank kaysa dito sa pag-ibig.
supercool mag explain. kahit mahirap process parang ang dali lang dahil sa explanation👍
Thank you
ang hirap na man ng process ... thanks for sharing
Ito yung original plan ko , to get a loan from PAGIBIG so that somehow makapatayo ako ng bahay according sa plan and design na gusto ko, compared sa kukuha ka ng unit sa subdivision or yung mga forclosure but sadly sa dami ng requirments at haba ng process parang nakaka discourage. But i think it's it still worth a try wag mo lang talaga sobrang itaas yung expectation mo sa loan amount na iaapprove nila. Thanks for this informative video sir Chis!
Precised and Detailed explanation plus jowable pa 😂☺️
Nakaka stress sa dami ng requirements.
Very pro! Short yet very detailed video! Thank you!
You're welcome!
Yes maraming requirements then sa salary din sila nag base mga sis/sir after nyan kailangan meron kayong budget kung baga kayo ang unang gagastos. Tip ko pa po na masmabilis magawa ang bahay mas ok kasi kung hindi sobrang laki ng kinakaltas nila. Mahabang proseso tlaga sya. Pero mas ok ang pag ibig kaysa sa bank. Stagerred hindi sila mag rerelease ng buo.sobrang laki ng gastos sa pagaayos ng requirements kc kailangan documented den meron din babayaran sa BIR Mas ok kung tatanungin nyo na lahat sa pag ibig. Pababalikbalikin kayo hanggang hindi ayos ang papers.kc meron silang hindi naipapaliwanag ng maayos kaya minsan kala mo ok na yung papers na isusubmit pero pag checked nila mali. Mas mainam tlga yung kahit makulitan sila tanungin ng tanungin hanggang sa maipaliwang nila ng mabuti sa inyo.
Kapag po ba may credit card na hindi nabayaran sa bank..posible bang makaapekto ito sa application?
Magkano po kaya ung sobrang laki ng gastos sa requirements?😔
Thanks for the info. It's not as easy as I think after I watch this video.
Finally, thank you for the information now i have an idea. 😊
Thank you sir cris. Very clear explanation po😊 and big help for me as a guide po for my additional loan at PagIbig.😍
Yes dp 30% of the contact price.
Ang gandang explanation...
Clear at napaka daling unawain...
Na ang hinuhulagan nating pag ibig na yan pahihirapan tayong mabuti...
Naghulog at nag contribute Tayo sa haba ng panahon...
Gnun din kahaba process pag kelangan natin ang tulong nila ...
Salamat sa video....
Lalo ko na naunawaan...
Oh my gulay... Napaka dame requirements.
ang dami pala requirements. This is very helpful. Thank you, Sir :)
Welcome
Grabe na stress ako sa requirements 😅
I have plans to apply for Pag ibig Constructions loan and this video help me
Madaming requirements pero laban lang sa new house
grabe hassle! pero thanks po! tagal mag google, dito pala may malinaw
It should be Registered Licensed Architect "And" Licensed Civil engineer.
i did nit finish this video tbh. why? kairita si kuya. super obvious magpa-cute while hosting. tseh!
Hi Daine, thank you for your feedback.
Nakakastrees po ang pag loan ng construction ng house sa pagibig... ang dami din babayaran pati yung sa registry of deeds pagkuha ng annotation ng mortgage at certified tru copy ng title ang laki nila maningil, pati din sa BIR napaka laki ng binayaran ko, kaya nga nagloan dahil wala pera eh. Sana man lang babaan nila ang singil! Tapos ang tagal pa mag release ng Registry of deeds ng title... yung totoo? Kailangan pa ng lagay para mapabilis!
Ang daming requirements masyadong pinapahirapan ng pag-ibig ang mga mahihirap na gaya ko na gustong mag housing loan. Nakakadismaya.
Ganon talaga, daang libo hihiramin mo, kailangan nila ng assurance na mababayaran mo yon, kelangan nila ng mga legal na dokumento para sa halaga ng hihiramin mo, di na kasalanan ng pag ibig kung mahirap tayo , kelangan talaga pag hirapan kung ganon kalaki ang hihiramin
Im glad i came across this video
Thanks for sharing this video ! Kelangan pala 40% may nasisimulan na. Very informative thanks so much, and every visit nila mag babayad ?
I've come across homeowners who were asked to complete 30% of the house first (equity) before PAG-IBIG could approve the loan. Does this happen all the time? May instances ba na hindi na sya nirerequire and if yes, ano ang criteria? Thank you.
Good day, Does the building plans needed to submit upon application needed to be approved by building officials of your city or municipality?
I think Sir upon release if loan po :)
Thank you Sir very informative.direct to the main topic.i hope i can avail also house construction
House construction loan
No thanks, I'll just save money. Subra naman process niyan! Grabi. 😁
You are a heaven sent! You were able to answer all the questions I have in mind!!! Thank you so much.
I’m a new subscriber effective today.
1 question 🙋♀️ Sir, how do I go about applying for Mortgage Accommodation. Do I have to apply this in Pag-ibig?
You are so welcome! If you do not own the lot, you can just have the owner -- either your parents or siblings sign a document >>>bit.ly/3bw666u and once signed, you can include it in your loan application.:)
@@ChrisSuarezRealEstate What if not a relative at all po?
oo nga Po Sir, what if Hindi relatives. plan ko kc bumili ng lupa sa Pangasinan p
This is what I'm looking for.... thank you very much
Hi Sir. Thank you for explaining it very well. Just want to ask same pa din ba yung process if home improvement po? Thank you and more power!
Great and informative . galing ng explanation.
Do u have idea po kung how much po if ever ang illabas pag 2m
Hi sir pano po nyu nalaman na may 1st release na kayo sa pag.ibig..? npasa na ako 2nd set of requirements at nka pag 1st inspect na cla last may20 ..until now wala parin akong release ng check 😢😢😢
Hi. Do follow ups lang po lalo na dun s contact in-charge po s account ninyo s Pagibig.
Grabe madugo masyado ang process. Pero pag nakita muna ang pinag hirapan mo. Parang wala na lhat nang pgod mo
So true!
Thank you po for this informative video.
Very imformative. Sarap p pakinggan ng voice nyo po very clear. Anyway, is there a way para mas mapababa ang equity?
Thank you. Yes, if mas mataas ang appraisal ng property.
Totoo po ba na need pa po suhulan yung nag aappraise para di nya babaan yung appraisal value nung construction or itama po nila yung totoong value nung construction.? Nakakatakot po kasi dami po kwento na magapply sila like for ex. 1M tas mas mababa lang inaappraise nila. Kaya di natatapos ang project. Usap po kasi 20% sayo then 80% sa pagibig pero di po nakukuha yung 80% since mababa lang appraise ayaw naman po magbigay pag di pa naiistart ang bahay. Nawawala na yunh sense na nagloan kung kami din po pala magshoshoulder nang halos lahat nang bayad. Parang mema sabi napaloan ka at kumita na sila sayo nang interest kahit kulang naman pinaloan.
Thanks po sa information,
Meron po nabiling lot sa probinsya at nakapangalan po sa akin, pero nandito po sa U.S, gusto ko mag loan sa pag ibig for house construction, pwd po kaya c mama ko mag process ng pag ibig loan in behalf of me? Thank you po
What if sa bill of materials at costing ng engr 5M ang aabutin ng house construction pero sa salary mo 2.5 ang max na pwedeng ipahiram. Saan nakabase yung computation ng 40% na need mong paunang ipagawa sa bahay. Dun ba sa 2.5M na ipapahiram ni Pag ibig or sa costing ng materials at labor na galing sa engr?
sir thanks s vlog ask ko lang po paano po kya pag wlang pang construction atleast 20% kya nga po mag loloan dhl wla pang construct?
Up same question
same dillema.
hi sir. pwede kaya mag pagibig loan (Lot) then isabay ang construction loan? wala ksing sariling lupa pa. sa pag kaka alam ko ksi need sarili mo yung lupa pra sa construction loan
What if the lot was in a mortgage under bank finance? Am I still legible?
You can refinance it from bank to pagibig then combine with construction loan
@@ChrisSuarezRealEstate thank u s information sir at s pag notice! Power to ur channel! 🚀🚀🚀
Kaya ka nga magloloan kasi wala ka pampagawa.. tapos ang ending kailangan gumastos muna shell out pang start ng bahay equity. Need pa ng engineer para sa plan or ng constructor! Sandamakmak na requirements pa.!!! Juice colored Pag-Ibig ba talaga to? Or pagkamuhi!?
Hello po, pwede ba ako magloan for pag ibig construction kung yung TCT ng lot nakapangalan sa wife ko at dalawa nyang kapatid
pareho lang po ba ang process kung papaupahan po ang property after it was built? or kung apartment/rooms for rent sya intended?
wow thank u po sa tips. mejo mahirap ang proseso madugong gastusan 😂
Salamat sa mga tips sir! Great video po, nakakatulong talaga!
Ask ko lang po kung "residential lot" lang ba ang pwedeng e accept ng pag-ibig? Yung lot ko po sir is classified as "agricultural land". 😅
Tnx po sir 👍
Kelangan mo po sya pa change to residential. Alam ko po di na nag accept si Pag ibig pag agricultural.
So pleasing to watch.
natawa ako sa brand new bills haha totoo naman
Make sure that your lot has no problem with the Right of Way.
Right, did you experience it?:)
@@ChrisSuarezRealEstate Yes sir. I hope those who are planning to apply for Pag-Ibig HL will check everything including the Right of Way. Anyway. thank you for your detailed information sir. It is very helpful.
Parang ayaw magpa-loan sa dami ng requirements, complicated ng process and laki ng gastos sa pag aapply and process ng requirements.
Good morning greetings from Webster Massachusetts USA 🇺🇸, indeed a lot of requirements. A hassles to deal on, as I was thinking to use Pag-I big since I am a member with this bank. Anyways; I do hope I am able to catch up with their age bracket, I have 3 years to comply these wrapped construction loan.
Grabe sa requirements pota hahaha! Dyan pa lang na stress nako. Wag na. Ipon na lang. In two to 3 years! Laban!!!
Hahaha just true
shoook dami requirements 🥺🥺🥺 mas better ata RFO units na lang para si broker na mag asikaso 🥺🥺🥺
Very helpful video. Do you have a vlog about early settlement of house loan let say I have a buyer. Thanks!
Yung ending tlga nagdala dun e😂👏🏻
Hello, nice video. very informative and easy to follow. i just wanna ask, if i still need the notarized SPA if the house is under the name of multiple owners. like me and my siblings? thank you in advance. Godbless sir
If gumawa ng baby si Ian Veneracion at John Llyod, siguro kamukha mo. Galing
Hello sir very impormative video sobramg gwapo pa 😊
Thank you😊
Today i learned 1:28 , akala ko puede lang magloan kapag sa borrower nakapangalan ung lot.
Hello sir. Either ba mas mababa or mas mataas ang appraise value nang pag ibig sa house plan na iloloan mo, meron parin equity and kelangn parin start ka sariling mong pera.? Thank you.
Question po what if wala din kamo lot pwede din po ba isama sa loan yung pag purchase ng lot together with the house construction? Thanks In advance
Grabe naman tong PAGIBIG. Kaya ka nga maglo loan wala kang pera, Me equity na tapos staggered payment pa. Sa malamang mabitin bahay mo.
Grabe dito noh. Forced kng magbayad pero yung pakinabang mo sa binabayad mo parang halos ayaw kang pahiramin
Wow thank you for this topic sir .
Balak ko pa naman sana kaso Ang daming process and requirements pala
Thanks for this, sir. Is it always cheaper to loan from pagibig than from banks?
Very informative ❤️ meron po bang sample monthly payment base s naapprove na loan ammount mo po? Like how much monthly ang gantong naloan mo and for how many years babayaran.. As in example po.. Parequest po🥰 thankyou
Paano po kapag yung lupa is sa grandfather ko pa, hinati hati lang yung lupa. Wala pong title. Tax declaration lang
sa dami ng requirements, haba ng proseso and dami ng non-refundable fees, and kelangan may pera ka atleast 100k to start the project, Mag Loloan kapa ba sa Pagibig?
Hello po, question po.Ano po need na Building Plans?
Sir,question po kapag po may salary loan pa ako sa Pag Ibig tpos gusto ko po mag apply Ng House Construction Loan pwede po ba ifully paid ko nalang ung balance pa po ng salary loan ko? Para makapag apply na agad ako house cons. Loan? Thank you
What if there is already an existing house. I just want to renovate it? Is it the same case?
Dami plang requirements.. wag na nga lng mag loan. Hahahaha
What if the loan I will apply for is to be used for the renovation of the house I availed using my first housing loan? Will I still need to pay for the expenses of the initial construction? Will my 2nd housing loan be approved?
Question sir, if the lot was currently under the loan of Pag Ibig - do i need to start the constructions by my own money or I can Proceed from scratch?
Im looking an informative pag ibig for contruction of my house ..but first need to buy a land then ill ask the pag ibig if ill qualify hindi nmn sana aabutbps sa 1million hehehe 200k lang okey na bahay ko …im planning to get this done two years from now i should have done this when im still on my 30s well,been promise before but i think its just a promise ..ill do it myself
Gusto ko talaga magkabahay plano ko sana housing construction loan peru grabe req omg ! Hehehehe
Need nb agad ng building plan pag mag aaply ng housing loan
Pahirap ng pahirap mg reqs and process and to think, may magloloan pa ba sa pag ibig nyan
Thank youuuu! Well explained.
Planning to apply for home improvement loan. Parang ang hirap pala, akala ko halos kumpleto ko na ung requirements pero hindi pa pala. 😭
Question: Tama po ba pagkaintindi ko? After 40% na nacomplete na construction saka sila magbibigay ng pera na niloan mo?
Hi sir, for SPA for accommodation mortgagors. Sino po ba Dapat attorney in fact nandun? Yung Kukuha po ng lupa? Ofw po Kasi Yung Kukuha lng lot. Ilalagay nlng din po ba dun Yung immediate family ng ofw as attorney in fact. Siya rin po Kasi ang SPA niya Kasi po ofw Yung tao. Meron nadin po kami contract to sell
Hello po. May title napo ako sa aming lupa. Kaso yung tax declaration on process pa po
Yung background checking po ba ng credits is within PAGIBIG fund lang or pati sa mga credit cards? kasi di ko pa nafully paid ang sa credit card ko.
Kailangan po ba talaga ng developer if mag apply ng house constructions? Nagpagawa naman ako ng plano, BOM building plan at lahat ng permits from engineer
Hi sir chris. Thanks for the video. This is very informative. Ask ko lang if I needed to increase my monthly pag-ibig contribution to avail the higher loan value. Since currently at min contribution lang ako and I needed at least 2M for house construction. Thanks for your answer.
Hi Hershey! If you need a higher loan value for house construction, you need to increase your income/salary or the value of your collateral.
Ang hirap naman sa dami ng requirements 😥 paano kung maliit lang sana ang ilo-loan like 50k. Parang imposible atang makautang nyan kahit sa SSS din ang dami ring requirements. Kung sa salary loan naman. Mas maliit naman yung ipapautang nila. Hayytss..
Hello po Sir Chris, question lang po. 2.5M po ang desired loan namin, 2.2M ang assessed value ni pagibig. 2.2M ang approved, need pa po ba namin mag equity nun?