Hello po, when it comes to the collateral... For example magpapatayo ng house amounting 1.5M then the lot kung saan itatayo ang bahay is 1M, will that be added on the loan amount? I mean magiging 2.5M ang iloloan (*80%)?
Maam Me-An, salamat po sa video. Sana po wala nang animation yung subtitles, medyo nakakadistract po. kahit nagaappear na lang po na text. Suggestion lang po. Salamat po ulit sa pagsheshare ng knowledge.
Hello po! Thank you for the very informative vlog. Ask ko lang po sana if housing loan din po yung e apply sa pag ibig for lot only na property? Salamat po sa sagot 😊
Ask ko lng po. May approval na ko ng bank last september for 6.5% then nabayadn ko ng buonung bank fees ng end of january. Feb 17 without knowing binayadan na pala ng bank si developer n released na ung loan. March 17 start ko ng M.A. pero ung interest rate na 6.5% fixed for 3 years is naging 7.75% without any advised from them
Once nag-sign na po kayo ng mortgage contract and nagbayad na kayo ng bank fees dapat hindi na po nagbago ang interest rate. Anong bank po iyan if you don’t mind?
@@OwnPropertyPH CTBC bank po. Bali november ung nasa loan contract pero pina sign lng sa spa ko nitong feb lng without informing me lalo ung spa ko na ang nkalagay dun is prevailing rate ndi na 6.5%.. sabi ksi skin ng agent na ppunta sya ng sister ko ksi mali ung na sign na document ndi nya smin sinbi na loan agreement na upon prevailing rate ung pipirmahan
@@kingdarren9707 ah… Kung February po sinign, talagang 7.75% na talaga ang interest. Kung ano po kasi ang prevailing rate upon signing, yun po ang magiging prevailing rate. Need lang din po ng banks sumunod sa prescribed interest rates ng BSP.
Ask ko lang sana may makasagot. Pwede ba magloan ng house construction sa bank if yunh lot ay under financing pa at hinuhulugan pa sa bank? Bali magloloan for both lot at the same time house construction. Kapag linoan ang lot nakaninu ang titulo? Sa bank or saken? Pwede bang gawing collateral ang lote na hinuhulugan pa?
Pwede po basta kaya pa po ng income niyo, yung uutangin niyo ay hindi lalagpas doon sa value ng lot at sapat na ang equity niyo. Considered as second mortgage ang loan na gagamitin for construction. Pwede niyo pong panuorin yan ua-cam.com/video/4XwZolgHLSc/v-deo.html 😊 Yung titulo ay na sayo pero may annotation na nakasangla 😊
Ma'am may type po ba ng housing loan na ang ni loan gagamitin para pambili ng lot at pag construct ng bahay? Or yung sa subdivision lang talaga? TIA po
I am 63 yes old buying condo in the Philippines , puede pa ba akong maaprove sa 10 years na mortgage, I already pay my reservation and nag start paying monthly deposit
Hello, kapag sa bank po kayo mag-apply, hanggang 2 years lang na mortgage ang ma-approve po. But you mentioned po na nagbabayad palang po kayo ng monthly deposit, baka by the time po due na po yung balance, baka over age limit na po kayo. Maghanda po kayo sa possibility na hindi po kayo makakuha ng home loan
Sa principal po binabawas para walang interes. Dapat walang interes yung maagang binayaran po talaga. Pwede pong mabawasan ang loan term depende sa terms at condition ng bank 😊
Hi Mam! how about buying a lot only? tapos ipapasok sa bank home loan? what does appraised vale mean ng bank? Yung lot kase na target namin is 1.2m. pag pinasok po ba namin sa bank loan i aapraose pa ni bank. meaning tataas pa ung amount?
Yung appraised value yung worth/ lot value na in-assess ng bank appraiser. Ginagawa nila yan para ma-ensure na tama ang presyo na hinihiram ng borrower. So based sa example niyo po, hindi po tataas ang appraisal ng bank usually mas mababa pa depende sa market conditions kasi in the event na hindi mo nabayaran, may buffer po ang bank 😊
Hello, ay opo, 6 ay fixing period o repricing period. Iyan ay ang tagal ng panahon na ipapataw ang interest rate sa iyong loan. So for example, 20 years ang loan term mo at ang interest rate ay 7.5%, tapos ang pinili mong fixing period ay 3 years, sa loob ng tatlong taon, ang interest rate ay 7.5% per year. Pagkatapos ng three years, pwedeng tumaas o bumaba ang interest rate depende sa prevailing interest rate nung panahon na yun 😊
Hi, so far BPI and BDO competitive ang rates pero may nakita ako HSBC kaya ng 4.99% but I'm not sure kung open yun sa non-account holders unlike sa BPI and BDO. Mas mababa ang interest rate ng Pag-IBIG housing loan kapag yung affordable housing loan for minimum wage earners. Pero kung yung housing loan nila na up to P 6 million, kayang tumapat yung interest rates ng banks. Mas strict nga lng sa requirements ang banks 🙂
Ma’am, malaki po ba talaga iyong interest kesa sa principal? 30K po binabayaran ko pero 12K sa Principal then 18K napupunta sa interest. Talaga po bang ganoon?
Opo, ganun po talaga. Sa simula mas malaki ang interest na binabayaran kasi ang total interest ay malaki pa na naka-base sa outstanding loan balance mo po 😊
Yung computation po ng MRI ay base hindi lamang po sa outstanding loan balance o loan amount pero pati na rin sa age ng loan borrower, loan term at iba pang factors. Kaya pasensya na po hindi ko po masasagot yung tanong niyo po kung paano ang computation. Bank account officer / bank loan officer lang po yung makakapagbigay nung sample computation. Sa second question niyo po, yung premium payment buwan buwan binabayaran, kasama sa monthly amortization mo po kaya hindi niyo kailangang maglabas ng malaki sa premium payment para sa release po ng loan 🙂
The banks I’m accredited with offer home equity loan and that is what is usually taken here but the closest one to the home equity line of credit is PSBank home credit line which is a revolving credit line that can be used for renovation and refinancing 😊
Hi question lang po, pagibig especially sa bank. Lets say may seller nagbebenta priced 5M tapos ok lang daw thru sa pagibig/bank, required ba ako na ilabas yung 20% equity agad para mabayaran nila si seller? Or pwede naman na yung equity ay thru installment, pero babayaran na nila ng buo si seller kahit equity pa lang yung binabayaran ko?
Hi, required po na ilabas yung 20% equity para maglabas po ng approval letter. Kapag meron na po noon, kailangan ilipat na sa pangalan mo po yung title tapos need ibigay sa bangko para i-release ng bangko ang pera po sa seller 😊 So aside from payment sa seller, need din ng budget para sa transfer fees at registration fees.
Have you ever seen someone approved for a bank loan without an ITR? e.g. not a freelancer, Pinoy working for an international organization based in Manila, will have COE and bank statements - but no ITR, because, alam mo na ;) Thanks
mam, 5.88% fix 3 yrs offer sakin ni robinsons bank. 1.2M loanable amount ko, worry ko on 4th year, lolobo ba agad to 7-8% ang interest? mabilis ba tumaas ang mga interest rates ng bangko? and do they still offer fix rate after the initial term of 3yrs
Kapag unti nalang yung balance mo more especially kung nag-prepayment ka po, tataas talaga ang interest. Hindi naman madaling tumaas ang interest rate kapag on time ka pong nagbabayad at pinakiusapan. Yes, they still offer fixed rate po 😊
Hi, may tanong lang po ako once na magbabank financing na, what will happen po dun sa ilalabas mong amount ng money dahil sa margin of finance? Thank you po.
Hello, the typical margin of finance is 80%. Kung nabuo niyo na po yung 20% na down payment, once approved na kayo sa bank at na-release na yung 80%, yung nalabas niyong amount ay equity mo na po 😊
Hello pwede po bang mabawasan yung monthly amortization if nag advance payment po? Example nag advance po ako ng 20%. May possibility po ba bawasan yung monthly dues po? Thanks po.
The last time nakakain ako ng ultimate burger steak ay nung 2015 pa. Buti nagbalik! By the way do you have a video about refinancing bank housing loan to pag-ibig? Specifically for condo unit. Di ko magets kung paano irerecompute ng pag-ibig yung bagong loan. Kasama ba ang interest sa bank or yung principal amount lang? Isang video lang nakita ko sa youtube na may guide about the application process pero dami pa ring tanong na hindi nasagot dun sa video.
Hi, madalang po kasi ang bank na pumapayag ng Pag-IBIG refinancing sa pagkakaalam ko po at siyempre, ayaw mag-let go ng bank kasi mababawasan kita po nila. Anyway, gawan ko po iyan ng video kapag may nakilala akong personally nakagawa na po. Yung iba kasi hindi ko kakilala po 😊
Ma'am.. if nabili ko yung bahay ng 2M tapos, after 3 years ang worth ng bahay is 4M na.. pwede ko ba itong ibenta..tapos, bayaran ko yung utang ko na 2M then may extra na akong 2M? or kungi re finance ko po.. the bank will add 2M sa aking beause tumaas yung appraisal ng house and lot? salamat po maam
Hi, I have question. Once the bank loan approved and the monthly mortgage started, and you you were not able to pay for 2 months, subject for foreclosure nba ang property?
Hi, ask ko lang po, is it required to pay ITR for about 2 yrs before I could apply for a loan or is there any timeframe required na nagbabayad ng ITR before makapag apply just like in Pag-ibig required na nagbabayad ng membership for 2 yrs. I'm currently working po kasi as a Virtual Assistant kaya hindi po updated ITR ko. Any ideas po? Thank you
Mam question lang po. Possible po ba mka pg home loan if hindi sa developer bibilhin ang property. Halimbawa po relatives yung may ari ng property at gusto ko po bilhin sa knyn pwede po ba ipasok sa bank as home loan? Thanks in advance sa pg sagot. :)
required po bang may financing ka or loan pag bibili po ng condo? pag hindi po cash term or magbabayad in full agad? Yung nakikita ko po sa internet na may monthly payments, kailangan po ba non ng loan or bank/in-house financing?
kapag bibili po ng condo at wala pong pambayad ng cash para sa balance, kailangan pong mag-loan sa bank or mag-in-house financing kaso mas mahal ang interest sa in-house financing at mas maiksi yung repayment period 😊
hello po i have some questions hoping you can answer. 1)When it comes to DTI ratio what would banks consider yung gross taxable income or yung net income mo talaga? 2)samin po kasi we can receive incentives every 30th dpende sa target. I asked AUB about commissions but they said they will honor just up to 50% of your commissions or incentives ganun din po ba sa iba banks?
Hi! I just want to ask if 2 yrs nako di nakapagbayad ng life insurance my penalty ba un or affected ba ang housing loan ko sa bank? and if na pay off kona nag house loan sa bank ba ang mgpprocess ng title? thank you
Hello, affected ang housing loan if you assigned your life insurance instead of getting a mortgage redemption insurance. If na pay off mo na ang housing loan, ikaw po ang maprocess ng cancellation of mortgage annotation 😊
hi hope you're OK. ask lang po pag nag avail ako ng housing loan thru bank financing at In case let's say after a year or two nag ka savings ako ng 100k up at balak ko pay ko Principal allowed po ba yun ng bank para lang mas ma less ang Principal at mas mapa bilis ko syang bayaran. salamat po.
Allowed po na mag-advance payment to principal pero depende sa bank kung ano yung minimum allowed. For example, sa BPI, required na six months’ worth ng monthly amortization po
Hello po! Pwede po ba ilagay sa contract to sell na sabay ang downpayment at letter of guarantee ibibigay in exchange for title? Pwede po ba e-signature sa contract to sell? Nasa abroad po kasi ang sell. Maraming salamat po!!!
If sa bank po, hindi sila mag-iissue ng letter of guarantee kapag wala pong notarized Contract to Sell at down payment kaya hindi doable yung balak niyo po. Hindi rin po pwede ang e-signature. Kailangan consularized po yung Contract to Sell 😊
good day po mam,,tanong lang po..my nakita po ako na house for sale then nakausap po ng relatives q ang sabe 2 million daw po ung halaga ng bahay and balak q po ipasok q sa banko for house financing or mag cash loan aq ng 2 milion..ano po kaya mas mainam mam..salamat po😊
Hello, kapag mag-home loan kayo required kayong magbigay ng at least 20% (PHP 400,000) pero pwedeng matagal yung loan term at mas mababa yung interest rate lalo na kung PAG-IBIG. Sa personal loan, pwedeng wala ng collateral at hindi na need ng equity kaso mas mahirap maging qualified, mas mataas ang interest rate at kadalasan hanggang tatlong taon lng ang loan term. Kaso maaring mas mababa rin yung ipahiram sa inyo. So it really depends if you have an equity or not. Kung meron naman po, edi mag-home loan nalang po kayo. Mas hindi kayo maiipit. Pero kung confident kayo sa credit score niyo at kaya niyong bayaran yung personal loan in three years, edi iyon nlang po kunin niyo 😊 Pasensiya na po, walang straightforward answer sa ganyan.
Mam ask ko lang Po pwede Po Ba to.?may property Po kasi Yong tita ko na paupahan 12 doors for sale na po sya nakakapanghinayang Po kasi Yong income ng property Gusto ko Po Sana syang bilhin ang kaso Wala po akong ganung kalaking halaga pwede ko Po Ba syang i home loan or bangking finance maaaprove kaya Nila ganong proposale Salamat Po sa sagot mam. God bless Po sayo.
Lods. Pede mag tanong urgent. May chance ba ma approve if 1year paying pa sa tax. Freelance wfh here. Tapos balak ko maliit lang e declare kasi masakit ang tax. Tapos gawin ko parent ko co borrower na nasa approve. I want to know if this viable, if not inhouse nalang ako kaso halos x2??
Hi maam. Ask lang po ako, yung sa Pre payment na ikakaltas sa Principal amount anytime po ba during the term during pwedeng gawin yun? Meronba sya penalties kapag mag pre payment? And need po ba ng re computation from the bank? Thank you po
Yes, anytime basta yung prepayment ay pasok sa minimum amount na sinabi ng bank. Wala pong penalties ang prepayment basta hindi po siya full payment. Pwede ka pong magpa re compute para bumaba yung monthly payment pero I suggest kung kaya naman po, tapusin na agad ang pagbayad sa bank. Mas malaki ang interest na binabayaran niyo po kaysa ang interest na kinikita kapag nakatago ang pera sa bangko po 😊
Hello po! I am planning to buy a Condo unit in Pasig from DMCI. Medyo di ko po kasi nagets yung margin value. So, bago po ako makapagloan sa bank may babayaran po ako agad?
Bago ka po makapag-loan sa bank, need niyo mabayaran yung equity during the down payment period. Three months before the balance is due, that is when you need to apply for a home loan 🙂
For Housing Construction po, how about po if wala pa ang land title at tax declaration lang meron. Namatay na kasi lolo ko at may portion sa lot na ibinagi sa tatay ko. Tapos ang mahal pa mag pa process ng title. What are our options po?
Need po talaga ng title if you want to mortgage yung lot para sa house construction. Other option po is to get a personal loan and use another property as collateral like a car or another property. Some banks offer personal loan of up to P 2 million 😊
Mam may chance pa po b ma approved kpag hnd ko na reach ung 2 years experience sa work? Pasok daw po ung sahod namen pero po ung working experience e dapat 2 years.
Hi po thanks for the very informative vlog. May question lang po ako I'm Filipino-American citizen and currently base ako sa United States po. Just wondering po kung paano mag-apply ng home loan and ano po ang mga kailangan para mag-apply. Meron po akong mga documents both PH and US. Is it possible po ba mag-apply without me being there sa PH? thanks in advance po
Hi, sir, yes, you may. I help process bank loan application and the required documents are just sent via email. However, you'll need an attorney-in-fact who will sign on your behalf the contracts and documents related to the Mortgage Loan agreement. You will need to give a consularized SPA to your attorney-in-fact 🙂
Sorry, I just saw this now po. I don't receive notification if it's a response to a comment. I'll be making a video regarding this but if ever you have further questions, you may contact me at ownpropertyphilippines@gmail.com 😊
ask ko lng po mam isa po kc ako sa nangangarap mapagawa ung bahay namin,plan ko po kc ipa gawa para po d na sya kakaragkarag,to make it short wala po kmi titulo at pang collateral ng pampagawa ng bahay namin isa po akong ofw wala po kc ako alam kung anu dapat ko gawin
Hello, I don’t recommend na magpagawa ng permanent structure sa lupang hindi niyo pag-mamay-ari kasi sayang kapag pinaalis po kayo. Pero kung gusto niyo pa rin magpagawa ng bahay, pwede pong mag-personal loan. Sa personal loan, hindi kailangan ng titulo po. Pero ang maaari lang mautang ay hanggang PHP 2 million lang po, mas mataas interests at mas maiksi ang repayment period po 😕
Hi. If maapprove ang housing loan sa bank, how are they gonna give you the loanable amount? Is it based on the progress of the construction? Or are they gonna give it to you only once? Thank you so much 😊
Hello, if it’s for home construction, release of loan proceeds is staggered based on the progress. If it’s for the purchase of a property then the loan proceeds is lump sum 😊
Question po.. Allowed naman po sa lahat ng bangko natin dito sa pinas mg extrapayment for principal aside po sa monthly amortization para mapa bilis yung pagbabayad? Salamat po
@@OwnPropertyPH pero pwde rin po gawen yung ganitong halimbawa, 10k po yung monthly amortization pero my 2k n extra every month, parang lumalabas po 10k sa MA tsaka po 2k deducted direct sa principal? Para mpabilis ko po yung pagbabayad from lets say 15 yrs to 8 yrs or lower pa. Allowed po ba yung gantong halimbawa ko? Salamat po.
im working and living here in australia, im thinking of applying for a home loan from bpi philippines to build my dream vacation house in the philippines, what are the requirements in applying a bank home loan?
Hi mam. Ask ko lng po how bout home improvement loan po.. may exising house and lot na po kame. Pde pa din po ba kame ma approve sa bank? Thanks Godbless
Hindi ko po alam para saan yung P 25 k pero most likely yung P 5 k appraisal fee. May mga iba pang additional fees po gaya ng documentary stamps tax, fire insurance, etc. 😊
Ma'm, if the real estate developer is accredited with banks and PAG-IBIG and developer assisted yung financing, dapat i-assist ka po ni agent. Kung hindi naman po, you should start applying sa banks. I can assist you po if you are getting a loan from BPI, BDO or Eastwest bank since doon po ako accredited 😊 Email me nalang po sa ownpropertyphilippines@gmail.com
Hi Mam! Ask ko lang pag married ba need talagang mag requirements kayong mag asawa for homeloan? Paano po kung nasa abroad c husband? at pasok naman ang salary ni wife sa pambayad ng loan need pa ba tlaga pumirma pa c husband o pede kahit provide nlng ng marriage certificate?
Kailangan po talagang pumirma rin ni husband since yung Absolute Community ang marriage dito sa Philippines po. Bali magpapadala lang po siya ng Consularized SPA po sayo para ikaw ang pipirma on his behalf po 😁
Puwede ba akong magloan sa banko Bdo o saan mang banko sa pinas. Retired ako at pensyonado na dito sa amerika maari ba ako mag loan para bumili ng lupa at bahay
mam ask ko lang po sana . . possible po bang makapag apply po ng home loan (for home construction) kahit naka loan po sa pag ibig yung lot??? salamat po
I recommend po getting Home Equity Appreciation Loan sa Pag-IBIG din po bilang second mortgage mo po 😊 Baka makatulong lalo po itong video sa inyo, ua-cam.com/video/4XwZolgHLSc/v-deo.html 😁
Mam question po sana. Sana po masagot nyo. 😊 may unsettled credit card kami ng wife ko nung hinde pa kami magasawa, we were young and irresponsible back then. D na namin sinettle kase nasa collection agency na and feeling namin niloloko lang kami ng collection agency. This was more than 10 yrs ago na. Okay na ang financial records namin for the past 10 yrs and stable na din ang job but we never attempted to apply for a new credit card na din after nun. Also naaprove naman kami for a car loan with a major bank and within 3 yrs mattpos na kami. Do you think pwede pa din kami maaprove kung magaaply kami ng housing loan sa mga banko? If not pagibig lang ba ang options? Thank you ng marami mam at more power.
If you got approved po for a car loan, then it means that you were able to improve your credit score. You may get po a copy of your credit report and your credit score para ma-check niyo kung ok na credit history niyo po. High credit score, better interest rate and terms. And mas magandang tapusin niyo na yung car bago po mag-apply para bawas debt at mas ma-approve kayo 😊
Sir, depende po siya sa property kasi sa foreclosed properties murang mura mo bibilhin po pero as-is-where-is basis pero kapag hindi niyo na-inspect ng maayos yung property magiging mas magastos po siya. Sa pasalo, okay po siya kapag in demand yung project at kahit papano less problems ang property po 😊
Hi, ma'm, to be honest, I don't have the answer for this since the bank loan officers usually know this. Ang alam ko lang po kapag good credit line, pasok income at may sapat na pera sa bank, ma-approve pa rin po 🙂
Good day mam .. Thanks for sharing this video. May tanong lang po ako .. -balak ko po mag loan sa bank for apartment business, pag uwe ko po ng pinas , ano po ang requirements sa ganitong loan ? Meron po ako lot as my collateral , possible po ba ako makapag loan sa bank ? Ang balak ko po kasi sa lots ko ay pag patayuan ng apartment. Maraming salamat po mam ..
Hello, may times na acceptable sa bank po and same requirements sa home loan may dagdag lang po like verification on the number of doors. Pwede pong gamitin na collateral ang lot basta pagkulang po ang value, need po na may pagdagdag po kayo sa equity 😊
Question: Dun sa example mo sa 3:59 , 3M ang loanable amount and yung total interest for 25yrs is 3.6M does it mean na ang total na ibabalik ko sa bank is 6.6M kasi principal plus interest?
@@OwnPropertyPH what if 25yrs yung loan term then I was able to finish paying the entire loan in 12 years or less will there be an adjustment sa interest?
@@odievernarba3788 yes, meron po. Kung 1 to 2 years po, may babayaran lang po kayo na early-termination fee depende po sa bank. Kaya kapag umutang, highly advisable na bayaran po agad ang loan as soon as possible po 😊
Pasensya na po sa late response. Hindi po kasi nag-notif kapag response to comment. Bank po kasi lalagyan ng annotation. Pwede naman pong kumuha ng Certified True Copy sa Register of Deeds 😊
Mam ask ko po sana online seller po ako, saan po ako mas may chance ma approved pagibig po or bank financing? Ano po mga kailangan at pano po ang proseso? Salamat po
Hello, ma'm. Pwede naman po kayo ma-approve sa parehong lending institutions basta may Income Tax Return po kayo mapakita at maganda ang credit history niyo po. Baka makatulong po sa inyo itong video na ito ua-cam.com/video/lWngQISxn6I/v-deo.html 😊
Hi, requirement ba ang savings account when applying for home loan? Ung savings kasi namen is nasa acct ng nanay ng kids ko (not married kame) so lumalabas wala akong savings account except payroll. My salary and credit scores are okay (solo borrower lang ako). Thank you!
hi ms mean nagfile kasi home loan sa isang bank then may lumabas na personal loan ko under my name na ilang years na pero talagang na overdue yun ng matagal pero na settle nmn kaso tlgng napunta ng collections.si bank humingi ng SOA so makikita nila na bayad na pero matagal bago nabayaran.Will the bank still approved it kaya
Hi, ma'm, I don't work for the bank so I can't give an exact answer. But based sa knowledge ko, if within financial capacity mo po yung hinihiram niyo at na-settle niyo naman yung mga overdue, in-aapprove naman po nila 🙂
Tnx for the info I learned a lot,. Question lng po , I asked the bank for a home loan ang offer nila 3 or 5 years lng for fixed rate, but I need a lower monthly payment terms and longer term sana like 10 years. How should I go with this? Thanks in advance and more power to your YT.
Hi, sir, the rate is just for the interest rate. Kapag nag-request ka ng fixed rate for 10 years or 20 years, mas mataas ang interest. So if you want to lower your monthly mortgage payment, request for a long loan term like 20 years then fixed rate for 3 or 5 years for low interest rate. Hope this helped 🙂
Opo meron po pero depende sa bangko kung magkano ang minimum advance payment. For example, sa BPI po kailangan equivalent to 6 months monthly amortization po 😊
@@OwnPropertyPH may idea kaya kayo ma’am for bank of commerce? Dun kasi malamang ipasok nung developer yung sa house loan namin e. And if after one MA is kaya na kaya g mag advance payment? Thank you
@@crismoredo3079 pasensiya na po, wala po akong idea sa Bank of Commerce dahil hindi po ako accredited doon. Best to ask po a loan officer of that bank po 😊
The type of content that I've been looking for a while now. Thank you thank you for sharing your expertise and educating us ❤️
Thank you so much for finding value in my video 😊💕
Very comprehensive explanation on loans! Good job! You were able to cover a lot of questions about borrowing from bank. Keep it up!👍
Thank you so much po 😊💕
Nawa ay mag patuloy ang pag lago ng channel mo. I sub and hit the bell. I am so excited to learn more!
Thank you so much 😊💕
Nag try po ako ng home loan sa metrobank, sana ma approve ako although 45k monthly ang nilagay ko sa income ko
Hello po, when it comes to the collateral... For example magpapatayo ng house amounting 1.5M then the lot kung saan itatayo ang bahay is 1M, will that be added on the loan amount? I mean magiging 2.5M ang iloloan (*80%)?
Maam Me-An, salamat po sa video. Sana po wala nang animation yung subtitles, medyo nakakadistract po. kahit nagaappear na lang po na text. Suggestion lang po. Salamat po ulit sa pagsheshare ng knowledge.
Yes po, will do something about that soon po 😁 Yung subtitle ko kasi templated na kaya gnyan po. I’ll make a new template soon 😊
@@OwnPropertyPH maganda rin ang may subtitle para maiintindihan ng sinuman na hindi Pilipino ang first language.
Hello po! Thank you for the very informative vlog. Ask ko lang po sana if housing loan din po yung e apply sa pag ibig for lot only na property? Salamat po sa sagot 😊
Ang galing mo! May tanong lng ako, kapag nag apply ng bank loan para sa bibilhin na property gaano ba katagal bago maaprubahan?
Sir, depende po sa bank. Minsan kaya ng 1 month po, minsan aabutan din ng 3 months 🙂
Ask ko lng po. May approval na ko ng bank last september for 6.5% then nabayadn ko ng buonung bank fees ng end of january. Feb 17 without knowing binayadan na pala ng bank si developer n released na ung loan. March 17 start ko ng M.A. pero ung interest rate na 6.5% fixed for 3 years is naging 7.75% without any advised from them
Once nag-sign na po kayo ng mortgage contract and nagbayad na kayo ng bank fees dapat hindi na po nagbago ang interest rate. Anong bank po iyan if you don’t mind?
@@OwnPropertyPH CTBC bank po. Bali november ung nasa loan contract pero pina sign lng sa spa ko nitong feb lng without informing me lalo ung spa ko na ang nkalagay dun is prevailing rate ndi na 6.5%.. sabi ksi skin ng agent na ppunta sya ng sister ko ksi mali ung na sign na document ndi nya smin sinbi na loan agreement na upon prevailing rate ung pipirmahan
@@kingdarren9707 ah… Kung February po sinign, talagang 7.75% na talaga ang interest. Kung ano po kasi ang prevailing rate upon signing, yun po ang magiging prevailing rate. Need lang din po ng banks sumunod sa prescribed interest rates ng BSP.
I needed this for the future, thank you 💙
Yay! Hoping you’ll also watch my other videos 😊
Ask ko lang sana may makasagot. Pwede ba magloan ng house construction sa bank if yunh lot ay under financing pa at hinuhulugan pa sa bank? Bali magloloan for both lot at the same time house construction.
Kapag linoan ang lot nakaninu ang titulo? Sa bank or saken? Pwede bang gawing collateral ang lote na hinuhulugan pa?
Pwede po basta kaya pa po ng income niyo, yung uutangin niyo ay hindi lalagpas doon sa value ng lot at sapat na ang equity niyo. Considered as second mortgage ang loan na gagamitin for construction. Pwede niyo pong panuorin yan ua-cam.com/video/4XwZolgHLSc/v-deo.html 😊
Yung titulo ay na sayo pero may annotation na nakasangla 😊
@@OwnPropertyPH “sapat na ang equity” you mean if 70% ng lot value Ang papahiram ni bank , 30% na ibabayad sa seller ang equity?
Putol ba talaga ung video. Biglang from appraisal nag jump sa next na term. Nasa around 6 minutes sya nag skip
I’m not sure pa. Rewatch ko next time 😊 sobrang uncomfortable akong panuorin sarili ko 😆😅
Ma'am may type po ba ng housing loan na ang ni loan gagamitin para pambili ng lot at pag construct ng bahay? Or yung sa subdivision lang talaga? TIA po
Housing loan po kapag gagamitin pambili ng lot at pangconstruct ng bahay. Gagamiting collateral yung bibilhing lot po 😊
OFW po ako and interested to apply home loan; matutulugan nyo po ba ako how to apply?
Hi, pwede po. You may email me at ownpropertyphilippines@gmail.com 😊
more power sa Channel mo. Very informative.
Thank you so much po 😊
@@OwnPropertyPH ganda nyo din po ☺☺☺
Ma'am ask kulang magkano dapat ang laman ng saving account po bago ka mka avail sa home loan?
Wala pong particular kasi mas tinitignan po yung capacity to pay, collateral, equity, and credit history 😊
ANG DAMI KONG NATUTUNAN MARAMING SALAMAT PO
Salamat po 😊 Marami pa po akong ibang videos. Check niyo po 😁
@@OwnPropertyPH 4:00 in this figure, ibig sabihin po ba nun 3M hiram ko, 3M tubo nila? all because of the tenure?
I am 63 yes old buying condo in the Philippines , puede pa ba akong maaprove sa 10 years na mortgage, I already pay my reservation and nag start paying monthly deposit
Hello, kapag sa bank po kayo mag-apply, hanggang 2 years lang na mortgage ang ma-approve po. But you mentioned po na nagbabayad palang po kayo ng monthly deposit, baka by the time po due na po yung balance, baka over age limit na po kayo. Maghanda po kayo sa possibility na hindi po kayo makakuha ng home loan
Very helpful po lalo na s aspiring agent like me..
I'm looking forward to do real estate investment
Thank you ma'am, ask ko lang bakit sa principal binabawas pag nag prepayment.... at yung loan term po ba ay mababawasan?
Sa principal po binabawas para walang interes. Dapat walang interes yung maagang binayaran po talaga. Pwede pong mabawasan ang loan term depende sa terms at condition ng bank 😊
Meron po nag advise sa amin before na puwede mag start off as bank loan tapos the next year refinance to pagibig loan. Is that possible po ba?
Yes, possible po pero it’s best na alamin niyo yung lock-in period nung bank niyo para maiwasan niyo yung penalties 😊
Very clear and straightforward...Congratulations n thanks..
Thank you so much 😊
Hi Mam! how about buying a lot only? tapos ipapasok sa bank home loan? what does appraised vale mean ng bank? Yung lot kase na target namin is 1.2m. pag pinasok po ba namin sa bank loan i aapraose pa ni bank. meaning tataas pa ung amount?
Yung appraised value yung worth/ lot value na in-assess ng bank appraiser. Ginagawa nila yan para ma-ensure na tama ang presyo na hinihiram ng borrower. So based sa example niyo po, hindi po tataas ang appraisal ng bank usually mas mababa pa depende sa market conditions kasi in the event na hindi mo nabayaran, may buffer po ang bank 😊
Hi Maam me-an, na cut po ata yung number 6 mejo di ko lang po nasundan but I think its more on FIxing period. Puwede po uli kayo magbigay ng case?
Hello, ay opo, 6 ay fixing period o repricing period. Iyan ay ang tagal ng panahon na ipapataw ang interest rate sa iyong loan. So for example, 20 years ang loan term mo at ang interest rate ay 7.5%, tapos ang pinili mong fixing period ay 3 years, sa loob ng tatlong taon, ang interest rate ay 7.5% per year. Pagkatapos ng three years, pwedeng tumaas o bumaba ang interest rate depende sa prevailing interest rate nung panahon na yun 😊
Anong bank po ba ang may pinakamababa na interest rate? Or mas mababa ang pagibig home loan?
Hi, so far BPI and BDO competitive ang rates pero may nakita ako HSBC kaya ng 4.99% but I'm not sure kung open yun sa non-account holders unlike sa BPI and BDO. Mas mababa ang interest rate ng Pag-IBIG housing loan kapag yung affordable housing loan for minimum wage earners. Pero kung yung housing loan nila na up to P 6 million, kayang tumapat yung interest rates ng banks. Mas strict nga lng sa requirements ang banks 🙂
Cno poh una kong kailangang kausapin kung planing bank financing for house and lot yung nagbebenta ng H&L or Banko?
Bank po or pwede rin kayong magpa-assist sa real estate brokers na accredited with banks 😊
Ma’am, malaki po ba talaga iyong interest kesa sa principal? 30K po binabayaran ko pero 12K sa Principal then 18K napupunta sa interest. Talaga po bang ganoon?
Opo, ganun po talaga. Sa simula mas malaki ang interest na binabayaran kasi ang total interest ay malaki pa na naka-base sa outstanding loan balance mo po 😊
Hi paano computation ng MRI? For example ang loan amount ay 3.2M, for premium payment for 1 year magkano irequire sayo ng bank before loan takeout?
Yung computation po ng MRI ay base hindi lamang po sa outstanding loan balance o loan amount pero pati na rin sa age ng loan borrower, loan term at iba pang factors. Kaya pasensya na po hindi ko po masasagot yung tanong niyo po kung paano ang computation. Bank account officer / bank loan officer lang po yung makakapagbigay nung sample computation. Sa second question niyo po, yung premium payment buwan buwan binabayaran, kasama sa monthly amortization mo po kaya hindi niyo kailangang maglabas ng malaki sa premium payment para sa release po ng loan 🙂
thank you for your video. do banks in the philippines ba offer home equity line of credit??
The banks I’m accredited with offer home equity loan and that is what is usually taken here but the closest one to the home equity line of credit is PSBank home credit line which is a revolving credit line that can be used for renovation and refinancing 😊
Hello po! Question lang :)
Pwede po ba sa bank loan na maging co maker mo is partner pa lang?
Thank you and more power po!
Hello, you mean bf/gf palang po? Pwede po 😊 You’ll be asked to present a CENOMAR 😁
@@OwnPropertyPH yes po my BF :) we are planning to loan na kasi sa bank. Thank you so much po for answering!
Hello po! Pwede po ba iloan yung lot & then yung pag build? If makapagloan po ba after a month magstart napo maghulog?
Opo, pwede po. Kapag nakuha na yung loan proceeds, saka po a month after mag-start yung monthly amortization 😊
Hi question lang po, pagibig especially sa bank. Lets say may seller nagbebenta priced 5M tapos ok lang daw thru sa pagibig/bank, required ba ako na ilabas yung 20% equity agad para mabayaran nila si seller? Or pwede naman na yung equity ay thru installment, pero babayaran na nila ng buo si seller kahit equity pa lang yung binabayaran ko?
Hi, required po na ilabas yung 20% equity para maglabas po ng approval letter. Kapag meron na po noon, kailangan ilipat na sa pangalan mo po yung title tapos need ibigay sa bangko para i-release ng bangko ang pera po sa seller 😊 So aside from payment sa seller, need din ng budget para sa transfer fees at registration fees.
waiting for part 2.. ^^ Thanks for this content,, very informative
Thank you very much 😊 I'm still working on part 2 po. I'll update you once uploaded.
Very informative! I love the way you explain, clear and concise! Thank you❤
Thank you so much for the feedback. I truly appreciate it 😊
Have you ever seen someone approved for a bank loan without an ITR?
e.g. not a freelancer, Pinoy working for an international organization based in Manila, will have COE and bank statements - but no ITR, because, alam mo na ;)
Thanks
Sir, I still haven't po. Banks require ITR. If ever kapag ganyan, pwedeng mag-inhouse financing 🙂
mam, 5.88% fix 3 yrs offer sakin ni robinsons bank. 1.2M loanable amount ko, worry ko on 4th year, lolobo ba agad to 7-8% ang interest? mabilis ba tumaas ang mga interest rates ng bangko? and do they still offer fix rate after the initial term of 3yrs
Kapag unti nalang yung balance mo more especially kung nag-prepayment ka po, tataas talaga ang interest. Hindi naman madaling tumaas ang interest rate kapag on time ka pong nagbabayad at pinakiusapan. Yes, they still offer fixed rate po 😊
Hi, may tanong lang po ako once na magbabank financing na, what will happen po dun sa ilalabas mong amount ng money dahil sa margin of finance? Thank you po.
Hello, the typical margin of finance is 80%. Kung nabuo niyo na po yung 20% na down payment, once approved na kayo sa bank at na-release na yung 80%, yung nalabas niyong amount ay equity mo na po 😊
Hello pwede po bang mabawasan yung monthly amortization if nag advance payment po? Example nag advance po ako ng 20%. May possibility po ba bawasan yung monthly dues po? Thanks po.
The last time nakakain ako ng ultimate burger steak ay nung 2015 pa. Buti nagbalik! By the way do you have a video about refinancing bank housing loan to pag-ibig? Specifically for condo unit. Di ko magets kung paano irerecompute ng pag-ibig yung bagong loan. Kasama ba ang interest sa bank or yung principal amount lang? Isang video lang nakita ko sa youtube na may guide about the application process pero dami pa ring tanong na hindi nasagot dun sa video.
Hi, madalang po kasi ang bank na pumapayag ng Pag-IBIG refinancing sa pagkakaalam ko po at siyempre, ayaw mag-let go ng bank kasi mababawasan kita po nila. Anyway, gawan ko po iyan ng video kapag may nakilala akong personally nakagawa na po. Yung iba kasi hindi ko kakilala po 😊
Ma'am.. if nabili ko yung bahay ng 2M tapos, after 3 years ang worth ng bahay is 4M na.. pwede ko ba itong ibenta..tapos, bayaran ko yung utang ko na 2M then may extra na akong 2M? or kungi re finance ko po.. the bank will add 2M sa aking beause tumaas yung appraisal ng house and lot? salamat po maam
Hi, I have question. Once the bank loan approved and the monthly mortgage started, and you you were not able to pay for 2 months, subject for foreclosure nba ang property?
Depende po sa bank. Minsan hindi naman po agad 😊
Hi, ask ko lang po, is it required to pay ITR for about 2 yrs before I could apply for a loan or is there any timeframe required na nagbabayad ng ITR before makapag apply just like in Pag-ibig required na nagbabayad ng membership for 2 yrs. I'm currently working po kasi as a Virtual Assistant kaya hindi po updated ITR ko. Any ideas po? Thank you
Hello po, interested po kayo sa bank financing? If yes po, then kailangan niyo po nakapag-file kayo ng ITR for at least two years 😊
Mam question lang po. Possible po ba mka pg home loan if hindi sa developer bibilhin ang property. Halimbawa po relatives yung may ari ng property at gusto ko po bilhin sa knyn pwede po ba ipasok sa bank as home loan? Thanks in advance sa pg sagot. :)
Hi just wanna ask, if ever nag loan ako tapos nagka extra money ako at gusto ko na I fully pay yung loan ko will they re compute?
Hindi na po pero magkakaroon ng prepayment penalty kapag binayaran niyo yung loan ng mas maaga sa agreed term niyo po 😊
Can you do step by step process of selling property. Especially with the documents
Yes, will do videos on both project selling and general brokerage 🙂 It might just take some time since I still have a lot of videos on my to do list 😅
Pano mg sanla ng bahay at lupa sa bnko? Ano mga kailangan lalo gagamitin png negosyo at pmpagawa bahay.?
Hi, iba po yung business loan pero for home construction, need niyo po ng home loan: ua-cam.com/video/lWngQISxn6I/v-deo.html 😊
Maam paano pag hindi kana naka bayad sa in housing loan mo ano po mangyayari sisingilin po ba kayo ni banko at kukunin ang property?
Ibebenta nila ang property mo po para makuha yung pinautang nila sayo po. Hindi ka na nila sisingilin
required po bang may financing ka or loan pag bibili po ng condo? pag hindi po cash term or magbabayad in full agad? Yung nakikita ko po sa internet na may monthly payments, kailangan po ba non ng loan or bank/in-house financing?
kapag bibili po ng condo at wala pong pambayad ng cash para sa balance, kailangan pong mag-loan sa bank or mag-in-house financing kaso mas mahal ang interest sa in-house financing at mas maiksi yung repayment period 😊
ano ang chance ng isang content creator na makapaghome loan?
Possible po kapag registered po ang business activity at nag-fifile ng ITR 🙂
Ask ko lang po, papanu po kung magbabayad ako ng 1 year home loan , san mapupunta po ang interest
Monthly pa rin po ang interest na kukunin ng bank 😊
matatransfer po ba agad sakin ang title after mabayaran ang equity or after pa ma fully paid si bank?
Hindi po kasi kailangan pang ipa-cancel ang mortgage na naka-annotate sa title 😊
hai mam.. ask lang po wala po ba itong age limit,like for example im 40 now tapos magloan po ako for 20yers term, pwd po ba yon?
Pag nag Bank Financing ba bukod sa M.A kung biglang nag ka pera pwede e directa e bayad sa TCP sa bank?
If po ba nag prepayment ka mababawasan po ba monthly amort?
ask ko lang po mam if ever po ba na ang sahod is 150k per month at ang monthly is 50k. maaproved pa kaya yun lalo na pag ofw po. slmt po
Opo, basta may pang down payment din po kayo. Hindi po kasi buo ang pinpautang ng mga bangko 😊
Anytime po ba pede mag advance ng loan sa bank or every year lang po. Thanks
Recommended po na ang pag-advance ay tuwing end of fixing period po 😊
hello po i have some questions hoping you can answer.
1)When it comes to DTI ratio what would banks consider yung gross taxable income or yung net income mo talaga?
2)samin po kasi we can receive incentives every 30th dpende sa target. I asked AUB about commissions but they said they will honor just up to 50% of your commissions or incentives ganun din po ba sa iba banks?
Hi! I just want to ask if 2 yrs nako di nakapagbayad ng life insurance my penalty ba un or affected ba ang housing loan ko sa bank?
and if na pay off kona nag house loan sa bank ba ang mgpprocess ng title?
thank you
Hello, affected ang housing loan if you assigned your life insurance instead of getting a mortgage redemption insurance.
If na pay off mo na ang housing loan, ikaw po ang maprocess ng cancellation of mortgage annotation 😊
Requirements lng po sana ma'am Kon ano kailngan
hi hope you're OK. ask lang po pag nag avail ako ng housing loan thru bank financing at In case let's say after a year or two nag ka savings ako ng 100k up at balak ko pay ko Principal allowed po ba yun ng bank para lang mas ma less ang Principal at mas mapa bilis ko syang bayaran. salamat po.
Allowed po na mag-advance payment to principal pero depende sa bank kung ano yung minimum allowed. For example, sa BPI, required na six months’ worth ng monthly amortization po
Hi do you know what banks yung payag mag prepayment? May fees ba?
So far BPI ang alam kong pumapayag po, wala pong fees basta hindi po full any payment 😊
Hello po! Pwede po ba ilagay sa contract to sell na sabay ang downpayment at letter of guarantee ibibigay in exchange for title? Pwede po ba e-signature sa contract to sell? Nasa abroad po kasi ang sell. Maraming salamat po!!!
If sa bank po, hindi sila mag-iissue ng letter of guarantee kapag wala pong notarized Contract to Sell at down payment kaya hindi doable yung balak niyo po. Hindi rin po pwede ang e-signature. Kailangan consularized po yung Contract to Sell 😊
good day po mam,,tanong lang po..my nakita po ako na house for sale then nakausap po ng relatives q ang sabe 2 million daw po ung halaga ng bahay and balak q po ipasok q sa banko for house financing or mag cash loan aq ng 2 milion..ano po kaya mas mainam mam..salamat po😊
Hello, kapag mag-home loan kayo required kayong magbigay ng at least 20% (PHP 400,000) pero pwedeng matagal yung loan term at mas mababa yung interest rate lalo na kung PAG-IBIG. Sa personal loan, pwedeng wala ng collateral at hindi na need ng equity kaso mas mahirap maging qualified, mas mataas ang interest rate at kadalasan hanggang tatlong taon lng ang loan term. Kaso maaring mas mababa rin yung ipahiram sa inyo. So it really depends if you have an equity or not. Kung meron naman po, edi mag-home loan nalang po kayo. Mas hindi kayo maiipit. Pero kung confident kayo sa credit score niyo at kaya niyong bayaran yung personal loan in three years, edi iyon nlang po kunin niyo 😊 Pasensiya na po, walang straightforward answer sa ganyan.
Mam ask ko lang Po pwede Po Ba to.?may property Po kasi Yong tita ko na paupahan 12 doors for sale na po sya nakakapanghinayang Po kasi Yong income ng property Gusto ko Po Sana syang bilhin ang kaso Wala po akong ganung kalaking halaga pwede ko Po Ba syang i home loan or bangking finance maaaprove kaya Nila ganong proposale Salamat Po sa sagot mam. God bless Po sayo.
Hindi po siya pasok sa home loan. For rental property loan or business loan po siya depending on the bank po. God bless din po 🙂
Lods. Pede mag tanong urgent. May chance ba ma approve if 1year paying pa sa tax. Freelance wfh here. Tapos balak ko maliit lang e declare kasi masakit ang tax. Tapos gawin ko parent ko co borrower na nasa approve. I want to know if this viable, if not inhouse nalang ako kaso halos x2??
Hi maam. Ask lang po ako, yung sa Pre payment na ikakaltas sa Principal amount anytime po ba during the term during pwedeng gawin yun? Meronba sya penalties kapag mag pre payment? And need po ba ng re computation from the bank? Thank you po
Yes, anytime basta yung prepayment ay pasok sa minimum amount na sinabi ng bank. Wala pong penalties ang prepayment basta hindi po siya full payment. Pwede ka pong magpa re compute para bumaba yung monthly payment pero I suggest kung kaya naman po, tapusin na agad ang pagbayad sa bank. Mas malaki ang interest na binabayaran niyo po kaysa ang interest na kinikita kapag nakatago ang pera sa bangko po 😊
Hello po! I am planning to buy a Condo unit in Pasig from DMCI. Medyo di ko po kasi nagets yung margin value. So, bago po ako makapagloan sa bank may babayaran po ako agad?
Bago ka po makapag-loan sa bank, need niyo mabayaran yung equity during the down payment period. Three months before the balance is due, that is when you need to apply for a home loan 🙂
Ang bank po pala na hiniramannko is BDO PO
For Housing Construction po, how about po if wala pa ang land title at tax declaration lang meron. Namatay na kasi lolo ko at may portion sa lot na ibinagi sa tatay ko. Tapos ang mahal pa mag pa process ng title. What are our options po?
Need po talaga ng title if you want to mortgage yung lot para sa house construction. Other option po is to get a personal loan and use another property as collateral like a car or another property. Some banks offer personal loan of up to P 2 million 😊
Mam may chance pa po b ma approved kpag hnd ko na reach ung 2 years experience sa work? Pasok daw po ung sahod namen pero po ung working experience e dapat 2 years.
Yes, meron po pero depende sa bangko po 😊
Very Informative. Keep it up
Thank you so much 😊
Hi po thanks for the very informative vlog. May question lang po ako I'm Filipino-American citizen and currently base ako sa United States po. Just wondering po kung paano mag-apply ng home loan and ano po ang mga kailangan para mag-apply. Meron po akong mga documents both PH and US. Is it possible po ba mag-apply without me being there sa PH?
thanks in advance po
Hi, sir, yes, you may. I help process bank loan application and the required documents are just sent via email. However, you'll need an attorney-in-fact who will sign on your behalf the contracts and documents related to the Mortgage Loan agreement. You will need to give a consularized SPA to your attorney-in-fact 🙂
@@OwnPropertyPH thanks a lot for the info. May I know your contact pls.
Sorry, I just saw this now po. I don't receive notification if it's a response to a comment. I'll be making a video regarding this but if ever you have further questions, you may contact me at ownpropertyphilippines@gmail.com 😊
ask ko lng po mam isa po kc ako sa nangangarap mapagawa ung bahay namin,plan ko po kc ipa gawa para po d na sya kakaragkarag,to make it short wala po kmi titulo at pang collateral ng pampagawa ng bahay namin isa po akong ofw wala po kc ako alam kung anu dapat ko gawin
Hello, I don’t recommend na magpagawa ng permanent structure sa lupang hindi niyo pag-mamay-ari kasi sayang kapag pinaalis po kayo. Pero kung gusto niyo pa rin magpagawa ng bahay, pwede pong mag-personal loan. Sa personal loan, hindi kailangan ng titulo po. Pero ang maaari lang mautang ay hanggang PHP 2 million lang po, mas mataas interests at mas maiksi ang repayment period po 😕
Hi. If maapprove ang housing loan sa bank, how are they gonna give you the loanable amount? Is it based on the progress of the construction? Or are they gonna give it to you only once? Thank you so much 😊
Hello, if it’s for home construction, release of loan proceeds is staggered based on the progress. If it’s for the purchase of a property then the loan proceeds is lump sum 😊
Question po.. Allowed naman po sa lahat ng bangko natin dito sa pinas mg extrapayment for principal aside po sa monthly amortization para mapa bilis yung pagbabayad? Salamat po
Opo, basta yung additinal payment gagawin tuwing repricing period para walang charges po 😊
@@OwnPropertyPH pero pwde rin po gawen yung ganitong halimbawa, 10k po yung monthly amortization pero my 2k n extra every month, parang lumalabas po 10k sa MA tsaka po 2k deducted direct sa principal? Para mpabilis ko po yung pagbabayad from lets say 15 yrs to 8 yrs or lower pa. Allowed po ba yung gantong halimbawa ko? Salamat po.
im working and living here in australia, im thinking of applying for a home loan from bpi philippines to build my dream vacation house in the philippines, what are the requirements in applying a bank home loan?
Kindly email me at ownpropertyphilippines@gmail.com so I can send you the list of requirements and I can assist you 😊
Big help :) very informative and very well said :) sakto malapit na ako magloan for my condo :) thanks for this video🙏🙏
Thank you 😊 And if you need help with bank loan assistance, you can message me on FB at Own Property PH or email at ownpropertyphilippines@gmail.com.
@@OwnPropertyPH noted :) thank you so much :) i hope u can make vid about condo investing and rentals :) Godbless 😊🙏🙏
@@nikkonikkz9959I will release one soon
😊 God bless you too.
Hi mam. Ask ko lng po how bout home improvement loan po.. may exising house and lot na po kame. Pde pa din po ba kame ma approve sa bank? Thanks Godbless
Yes, sir, pwede po 😊 Yung gagamitin niyong collateral ay yung house and lot niyo po. God bless din po 😁
Is there any additional fees ba na bayaran kasi nag plan ako mag housing loan pero they ask me 25 k plus 5 k kasi wala daw silang process fees
Hindi ko po alam para saan yung P 25 k pero most likely yung P 5 k appraisal fee. May mga iba pang additional fees po gaya ng documentary stamps tax, fire insurance, etc. 😊
what if typical old house and lot ang bibilhin pasok po ba ito sa home loan?
Hello,
3 mos nlng mtatapos na ang downpayment ko. Inhouse po kasi ang condo. Hndi snsbi ng agent ko kung pano ippasok ng bank or pagibig. Pls help po
Ma'm, if the real estate developer is accredited with banks and PAG-IBIG and developer assisted yung financing, dapat i-assist ka po ni agent. Kung hindi naman po, you should start applying sa banks. I can assist you po if you are getting a loan from BPI, BDO or Eastwest bank since doon po ako accredited 😊 Email me nalang po sa ownpropertyphilippines@gmail.com
Hi Mam!
Ask ko lang pag married ba need talagang mag requirements kayong mag asawa for homeloan? Paano po kung nasa abroad c husband? at pasok naman ang salary ni wife sa pambayad ng loan need pa ba tlaga pumirma pa c husband o pede kahit provide nlng ng marriage certificate?
Kailangan po talagang pumirma rin ni husband since yung Absolute Community ang marriage dito sa Philippines po. Bali magpapadala lang po siya ng Consularized SPA po sayo para ikaw ang pipirma on his behalf po 😁
Puwede ba akong magloan sa banko Bdo o saan mang banko sa pinas. Retired ako at pensyonado na dito sa amerika maari ba ako mag loan para bumili ng lupa at bahay
Sir, are you still a Filipino citizen po? If you are, pwede ka pong payagan pero kailangan ng co-borrower na younger at na sa workforce pa po 😊
mam ask ko lang po sana . . possible po bang makapag apply po ng home loan (for home construction) kahit naka loan po sa pag ibig yung lot??? salamat po
I recommend po getting Home Equity Appreciation Loan sa Pag-IBIG din po bilang second mortgage mo po 😊
Baka makatulong lalo po itong video sa inyo, ua-cam.com/video/4XwZolgHLSc/v-deo.html 😁
Mam question po sana. Sana po masagot nyo. 😊 may unsettled credit card kami ng wife ko nung hinde pa kami magasawa, we were young and irresponsible back then. D na namin sinettle kase nasa collection agency na and feeling namin niloloko lang kami ng collection agency. This was more than 10 yrs ago na. Okay na ang financial records namin for the past 10 yrs and stable na din ang job but we never attempted to apply for a new credit card na din after nun. Also naaprove naman kami for a car loan with a major bank and within 3 yrs mattpos na kami. Do you think pwede pa din kami maaprove kung magaaply kami ng housing loan sa mga banko? If not pagibig lang ba ang options? Thank you ng marami mam at more power.
If you got approved po for a car loan, then it means that you were able to improve your credit score. You may get po a copy of your credit report and your credit score para ma-check niyo kung ok na credit history niyo po. High credit score, better interest rate and terms. And mas magandang tapusin niyo na yung car bago po mag-apply para bawas debt at mas ma-approve kayo 😊
@@OwnPropertyPH noted po mam. San po pwde humingi na credit report/score. Thank you po sa advise and insights. Stay safe and more power po.
Sorry sa late response po. Hindi po nag-notif sa kin kapag response to comment po 😢 Pwede niyo pong try ang TransUnion www.transunion.ph/ 😊
Saan po ba ako mas makakamura? Sa pasalo? O sa foreclosed?
Sir, depende po siya sa property kasi sa foreclosed properties murang mura mo bibilhin po pero as-is-where-is basis pero kapag hindi niyo na-inspect ng maayos yung property magiging mas magastos po siya. Sa pasalo, okay po siya kapag in demand yung project at kahit papano less problems ang property po 😊
Very informative. Thank you!
I'm glad you found it informative. Thank you 😊
madedecline po ba if ang nababayaran mo lang sa credit card mo monthly is yung Min amnt due? thanks po
Hi, ma'm, to be honest, I don't have the answer for this since the bank loan officers usually know this. Ang alam ko lang po kapag good credit line, pasok income at may sapat na pera sa bank, ma-approve pa rin po 🙂
Paano pag yung property ay rights only can it still be subject for home loan? Or they can only approve property na may titulo ng lupa?
Hindi po pwede kapag rights lang o Tax Declaration lang ang hawak. Kailangan may titulo po yung lupa 😊
Good day mam ..
Thanks for sharing this video.
May tanong lang po ako ..
-balak ko po mag loan sa bank for apartment business, pag uwe ko po ng pinas , ano po ang requirements sa ganitong loan ?
Meron po ako lot as my collateral , possible po ba ako makapag loan sa bank ? Ang balak ko po kasi sa lots ko ay pag patayuan ng apartment.
Maraming salamat po mam ..
Hello, may times na acceptable sa bank po and same requirements sa home loan may dagdag lang po like verification on the number of doors.
Pwede pong gamitin na collateral ang lot basta pagkulang po ang value, need po na may pagdagdag po kayo sa equity 😊
Question: Dun sa example mo sa 3:59 , 3M ang loanable amount and yung total interest for 25yrs is 3.6M does it mean na ang total na ibabalik ko sa bank is 6.6M kasi principal plus interest?
Yes po, sa 25th year ang total na ibabayad sa bank ay P 6.66 M++ kasi yung total interest ay na sa P 3.65 M+. 😊
@@OwnPropertyPH what if 25yrs yung loan term then I was able to finish paying the entire loan in 12 years or less will there be an adjustment sa interest?
@@odievernarba3788 yes, meron po. Kung 1 to 2 years po, may babayaran lang po kayo na early-termination fee depende po sa bank. Kaya kapag umutang, highly advisable na bayaran po agad ang loan as soon as possible po 😊
Ask ko po. sa bank housing loan, pag na approve ang loan kanino ipapangalan ang title ng property, sa bank or sa borrower?
Nakapangalan po sa borrower yung title at other tax documentations pero merong annotation sa back page na naka-mortgage yung title 😊
@@OwnPropertyPH After ma approve ang loan, nasa kanino hawak ang titulo po, nasa bank or hawak ni borrower?
Pasensya na po sa late response. Hindi po kasi nag-notif kapag response to comment. Bank po kasi lalagyan ng annotation. Pwede naman pong kumuha ng Certified True Copy sa Register of Deeds 😊
Mam ask ko po sana online seller po ako, saan po ako mas may chance ma approved pagibig po or bank financing? Ano po mga kailangan at pano po ang proseso? Salamat po
Hello, ma'm. Pwede naman po kayo ma-approve sa parehong lending institutions basta may Income Tax Return po kayo mapakita at maganda ang credit history niyo po. Baka makatulong po sa inyo itong video na ito ua-cam.com/video/lWngQISxn6I/v-deo.html 😊
Hi, requirement ba ang savings account when applying for home loan? Ung savings kasi namen is nasa acct ng nanay ng kids ko (not married kame) so lumalabas wala akong savings account except payroll. My salary and credit scores are okay (solo borrower lang ako). Thank you!
Ay nanghihingi na pala po sila ng bank certificate 🥺
hi ms mean nagfile kasi home loan sa isang bank then may lumabas na personal loan ko under my name na ilang years na pero talagang na overdue yun ng matagal pero na settle nmn kaso tlgng napunta ng collections.si bank humingi ng SOA so makikita nila na bayad na pero matagal bago nabayaran.Will the bank still approved it kaya
Hi, ma'm, I don't work for the bank so I can't give an exact answer. But based sa knowledge ko, if within financial capacity mo po yung hinihiram niyo at na-settle niyo naman yung mga overdue, in-aapprove naman po nila 🙂
Tnx for the info I learned a lot,. Question lng po , I asked the bank for a home loan ang offer nila 3 or 5 years lng for fixed rate, but I need a lower monthly payment terms and longer term sana like 10 years. How should I go with this? Thanks in advance and more power to your YT.
Hi, sir, the rate is just for the interest rate. Kapag nag-request ka ng fixed rate for 10 years or 20 years, mas mataas ang interest. So if you want to lower your monthly mortgage payment, request for a long loan term like 20 years then fixed rate for 3 or 5 years for low interest rate. Hope this helped 🙂
May advance payment to principal din po ba ang bank tulad ni pag ibig?
Opo meron po pero depende sa bangko kung magkano ang minimum advance payment. For example, sa BPI po kailangan equivalent to 6 months monthly amortization po 😊
@@OwnPropertyPH may idea kaya kayo ma’am for bank of commerce? Dun kasi malamang ipasok nung developer yung sa house loan namin e. And if after one MA is kaya na kaya g mag advance payment? Thank you
@@crismoredo3079 pasensiya na po, wala po akong idea sa Bank of Commerce dahil hindi po ako accredited doon. Best to ask po a loan officer of that bank po 😊
Thank u! Super helpful video!
Welcome po 😊
Pwede po ba ang rental property? Ung mga apartment business.
Yes, pwede rin pong mag-loan for that type of property 😊