Just want to say that aside from ang galing mong mag explain - you sound so pleasant and I like that you smile while talking. So hindi ka nakakasawa panoorin. :)
Hi Sir,, Thanks for this impormative video, Tanong ko lang po I know nka Indicate naman sa video na Gross Annual Income ang basis ni PagIbig pag Abot sa Sahod. Nag woworry lang ako kc ung iba Sabi Basic Daw ang Basis. In my situation po kasi, my basic is 14k but I have this allowances fix every month na 47k in total nasa 61k as Gross, expected loan amount ay nasa 1.7M. Pasok Kaya siya. Salamat. At kung sino man may Idea. :)
Sir, salamat sa educational na content nyo. Mahirap talaga maghanap ng content about sa ganitong topic. Bukod sa malinaw at straightforward, hindi pa pa-cool. Sir request naman ng video tungkol sa annual repricing interest rate ng mga banko. Halimbawa ang fixed interest rate ko ay locked ng 3 years or 5, ilang percent kaya ang typical annual interest rate range ng mga bangko? Thank you.
Salamat, G! Isama ko sa topics ko in the future. Based sa na observed ko with our clients' loan, around 1% every year ang tinataas ng banks after fixing period. Kaya yung iba nagugulat from 6% na nag start sila umaabot ng 9 to 10% after several years.
Thank you@@ChrisSuarezRealEstate! Ibig sabihin Sir, mas okay na ilock na sya for example 10 years ang loan term, 10 years na din ang fixed interest rate? or may cons pa din? Hintayin na lang namin ang content sir, para matimbang namin ng mas mabuti ang pros and cons ng fixed interest rate? Salamat ulit.
Ask ko lang po. May nakita po kasi kami na pasalong bahay. Cash out is 850k. Assumed balance thru pag-ibig is 150k (remaining 6years). This is my first time on planning a housing loan. Kung mag new loan application po ako. Bali, papautangin po ako ni Pag-ibig ng 850k pang cash out kay seller, tapos ako na po ang magbabayad na ni-loan kong 850k plus the 150k assumed balance?
Hi sir. Thank you po for a very informative content! I would just like to ask if paano po yung deduction or pagbabayad po monthly if nag-avail ka po ng loan with a co-borrower? Say for example yung required income kasi is 45k and yung gross income ko po is 15k only pero yung sa co-borrower ko naman is around 50k. I'm a government employee btw. So gusto ko lang po malaman if paano po ang pagbabayad po if 13k po yung amortization namin.
Sir isang beses palang ako nag loloan sa pag ibig at sa salary loan pa. May chance pa ba ako mag loan ng atleast 1,000,000 cash? My monthly salary is 43,000. Thanks po sa pagsagot
indi ba may consideration din yun total contritbution mo sa pag ibig for approval? yun kasama ko , mataas yun salary nya pro he was advised to add monthly contribution ng 1k whila paying for the monthly amortizayion...
Hi Sir, Good morning. Ask ko lng po, meron na akong bank approved housing loan. Pero yung nakita ko itong video mo, parang nagdalawang isip ako na idaan/apply ko nlang kaya sa PAG-IBIG yung housing loan ko. Paano pagganun Sir? Pwede ko bang i-apply personally yung PAGIBIG tapos once ma-approved at mag ka NOA na, dun ko na mapagpipilian kung saan ko ipapasok yung Housing Loan ko. BTW, hindi ko pa na pipirmahan yung NOA ko sa Bank Financing. Ok ba yung ganun Sir? Or magkakaroon ako ng issue pag hindi ko tinuloy isa sa kanila. Thanks in advance.
Sir i was approved sa 500k meron na po akong NOA, knowing that I can received that daw in 3gives does it mean mkukuha ko ung 500k in 3cheques or mababawasan po?
Sir tanong ko lang po, paano po kung my Finding ako sa pag ibig po kasi po humihingi ang pag ibig ng Medical Certificate ko po. kasi po thumbmark po ang ganagamit ko po sa pag sign ko po. sir nakapasa na po ako ng Medical Certificate po. sir magkaka avail na po ako ng Housing loan po sa pag ibig po?
Good day po.. Sana po mabigyan linaw po ako... Nag loan po ako march 2021, start po ng deduction Nila is 15 of June 2021 po good for 2years to pay po... Yong money na received Lang po namin is 7,400 plus po, pero nong nag inquire po ako through online 9,766 po yong loanded amount ko... Tiningnan ko po yong contribution ko may remaining balance pa po ako na 5894 po?
Naka name sa gf ko po yung bahay. Since naka name sa gf ko po yung bahay. Pwede po ba ako mag apply ng renovation loan po for house improvement or yung gf ko lang po?
Hello may video po kayo and loan table balak ko po kasi magloan po ako ng 500k cash po. Pede po ba un thanks. Sorry po ngayon lang po kasi ako magloloan
Hello Sir, paano po kung nakapagbayad na ako ng equity after 4 years then mag-aapply sana ako sa pag-ibig for housing loan kaso nadiss-approved. Ano pong mangyayari sa binayad ko na equity? Mawawala na po ba iyon or babalik pa po sa akin iyon if ever na hindi ako ma-approved ng mga banko or pag-ibig. Thanks
Hi, po sir. good morning. Kumuha po ako ng condo STUDIO TYPE lang worth 2.8M amount payable to the SMDC here at Lanang, Davao City kasi our house igigiba na nila next year. My equity is 343K which I am paying right now. So, my net payable is 2.5M. This video is the answer I'm praying of the info na magkano kaya would be the approved loan through he PagIbig. My worry is PagIbig will approved my application but not a 100%. Pwede po ba ako mag request na i-100% nila?. Salamat po
Hello. Very rare ang 100% approval because of LTV ratio, only applies to socialized housing. Baka SMDC has a tie up that can give you a higher loan approval with other financing institution.
Q1. can you loan multiple properties sa Pag-ibig? below scenario: a.) 3 condo b.) 1 condo + 1 parking c.) 1 condo + 1 house and lot Q2. say fully paid na ang loan sa pag-ibig in your lifetime below 65 can you loan again?
@@ChrisSuarezRealEstate cool at least mahaba haba amortization period Circular No. 396 - Modified Guidelines on the Pag-IBIG Fund End-User Home Financing Program
Sr pahelp nmn po may nabili kasi ko lupa kasi mother title laki po mgagastos pagka ipapatitolo plano ko po sana mgloan nlng ng pera sa pagibig pwede po kya khit 1m 40k po ofw po slant sr please mkiasagut po slamt po ulit
Hello Sir. Ask ko lang po. May mag kakilala kasi ako na nagtataka sila kung bakit ang baba lang ng nababawas sa principal nila kahit regular naman ang pagbabayad nila ng monthly amortizations nila. Any advise po kung ano po ang Tamang pagbabayad? Thank you Sir
First few years ng amortization mas malaki ang napupunta sa interest more than the principal. Ideally, you make advance payments to lower down your balance.:)
Hello, Sir. Good Afternoon! Gaganda po talaga ng mga content nyo. Really helpful. Anyway, Ask lang, ang agreed po kasi naming equity ni developer nung pumirma ako last year is 10% lang. Kaso yung tied up bank daw nila is nagpapaloan nalang hanggang 80% and sinabe ko po na wala akong pera na pang spot sa kulang na 10%. May nirecommend po sila saken na taasan nila yung Total Contract Price na ipapasa sa bank/pagibig, para daw di ko na need maglabas ng another 10% at macover yon. recommended po ba yung ganito? Thank you in advance.
Hi Jaysseen, ibig sabihin 80% lang ang loan to value ratio ng tie up bank nila, pagtataasan ang selling price mas malaki ang amount na macover ng 80% LTV. But from what I know, banks will still base it on the appraised value ng property, not on the selling price.
Sir, pwede po b magloan ng money thru pagibig kapag lote lang ipifinance. Example worth 100k yung lote.How much po ang down and monthly and ilang yrs po ang maximum na payment niya?Salamat
Question po: Possible po ba mag loan ng 50% lang po sa total amount ng lot? For example, P 1,000,000.00 ang total amount ng Lot. P 500,000.00 lang po yung i.loan ko, yung half naman is i.cash. Salamat po.
Hi sir very informative talaga ang video mo. Tanong lang po sana sir may property sana kami na bibilhin from a private individual na worth 2m tapos gusto ko ipasok lang namin sa pag ibig kasi wala kaming pang cash. May posibilidan ba sir na yung 2m e apply sa pag ibig ma approved po kaya ang whole amount?
Hi sir ask kolang kong yung acquired asset poba yung gusto kong maaccquire directlty to pag-ibig. Tas nakapag bid.bond na ng 5%. D poba yung natitirang 95% nalag yung babayaran ko nun?
Hi sir, can we still negotiate yung na-approve amount samin ni pagibig? Based on the gross chart you provided, mas malaking amount pa sana ung pwde nilang mapa-hiram samin e. Tia.
Just want to say that aside from ang galing mong mag explain - you sound so pleasant and I like that you smile while talking. So hindi ka nakakasawa panoorin. :)
thank you for your helpful videos!
ang gwapo na, ang linaw pa mag explain. dapat million subs na to e! 💕
Thank you sir! big help para in the future. I'm planning to loan to pag-ibig for our own house.
Highly informative gracias sir Chris, road to 10k soon horray .😍👏🧡
will share this sa FB ko.
Thank you, Gaelle!😍
thanks sir...kami may socialized kami na nakuha kaso may equity pa rin na 10%...
ang galing mo talagang magexplain sir chris! clear as water!
Thanks for the info! Very helpful.
Thanks again sir Chris.💕
ayus sir straight to the point
Cguro sa pag ibig po kayo nag wowork no sir,kasi detalyado at claro ang mga turo mo.
paano po kami na napakaliit ng sinasahod pero gustong bumili ng property sa abot ng makakaya. mayroon kaya po?
Thanks sir...napaka gandang advice..God Bless Po🙏
Hello Sir..
Good morning po. After approval of the loan from Pag- ibig. Kailan ba makukuha namin ang check for our loan?
Thank you Sir! God Bless!
thank you po..laking tulong❤❤
linaw ng pagkaka explain.....
Sr ma explain daw yang lot loan po gusto ko po maintindihan thank you Sr
Yayy thank you for this content!💙
Ang galing mo talga Sir Chris, technical specific mga shine share ninyo :D
Thank you!
thanks for this, Chris!
Hi Sir,, Thanks for this impormative video, Tanong ko lang po I know nka Indicate naman sa video na Gross Annual Income ang basis ni PagIbig pag Abot sa Sahod. Nag woworry lang ako kc ung iba Sabi Basic Daw ang Basis.
In my situation po kasi, my basic is 14k but I have this allowances fix every month na 47k in total nasa 61k as Gross, expected loan amount ay nasa 1.7M. Pasok Kaya siya. Salamat.
At kung sino man may Idea. :)
Sir how about yung non taxable allowance and night differential.. included ba sya sa Gross Income?
Sir, salamat sa educational na content nyo. Mahirap talaga maghanap ng content about sa ganitong topic. Bukod sa malinaw at straightforward, hindi pa pa-cool.
Sir request naman ng video tungkol sa annual repricing interest rate ng mga banko. Halimbawa ang fixed interest rate ko ay locked ng 3 years or 5, ilang percent kaya ang typical annual interest rate range ng mga bangko? Thank you.
Salamat, G! Isama ko sa topics ko in the future. Based sa na observed ko with our clients' loan, around 1% every year ang tinataas ng banks after fixing period. Kaya yung iba nagugulat from 6% na nag start sila umaabot ng 9 to 10% after several years.
Thank you@@ChrisSuarezRealEstate! Ibig sabihin Sir, mas okay na ilock na sya for example 10 years ang loan term, 10 years na din ang fixed interest rate? or may cons pa din? Hintayin na lang namin ang content sir, para matimbang namin ng mas mabuti ang pros and cons ng fixed interest rate? Salamat ulit.
Gross Salary, that would include the basic salary and allowances?
Ask ko lang po.
May nakita po kasi kami na pasalong bahay. Cash out is 850k. Assumed balance thru pag-ibig is 150k (remaining 6years).
This is my first time on planning a housing loan. Kung mag new loan application po ako. Bali, papautangin po ako ni Pag-ibig ng 850k pang cash out kay seller, tapos ako na po ang magbabayad na ni-loan kong 850k plus the 150k assumed balance?
Very helpful
Hi sir. Thank you po for a very informative content! I would just like to ask if paano po yung deduction or pagbabayad po monthly if nag-avail ka po ng loan with a co-borrower? Say for example yung required income kasi is 45k and yung gross income ko po is 15k only pero yung sa co-borrower ko naman is around 50k. I'm a government employee btw. So gusto ko lang po malaman if paano po ang pagbabayad po if 13k po yung amortization namin.
Sir isang beses palang ako nag loloan sa pag ibig at sa salary loan pa. May chance pa ba ako mag loan ng atleast 1,000,000 cash? My monthly salary is 43,000. Thanks po sa pagsagot
indi ba may consideration din yun total contritbution mo sa pag ibig for approval?
yun kasama ko , mataas yun salary nya pro he was advised to add monthly contribution ng 1k whila paying for the monthly amortizayion...
Hello Si Chris. Pwede ba irefinance ang personal cash loan sa bangko to pag-ibig?
Hi Sir, Good morning.
Ask ko lng po, meron na akong bank approved housing loan.
Pero yung nakita ko itong video mo, parang nagdalawang isip ako na idaan/apply ko nlang kaya sa PAG-IBIG yung housing loan ko.
Paano pagganun Sir? Pwede ko bang i-apply personally yung PAGIBIG tapos once ma-approved at mag ka NOA na, dun ko na mapagpipilian kung saan ko ipapasok yung Housing Loan ko. BTW, hindi ko pa na pipirmahan yung NOA ko sa Bank Financing. Ok ba yung ganun Sir? Or magkakaroon ako ng issue pag hindi ko tinuloy isa sa kanila.
Thanks in advance.
thank you sir
Sir i was approved sa 500k meron na po akong NOA, knowing that I can received that daw in 3gives does it mean mkukuha ko ung 500k in 3cheques or mababawasan po?
Gud day po sir ..ppwede po ba mag bayad ng buo 2 yrs para maka avail or maghihintay ng 2 years bago mka avail po ? salamat po sa sagot
pwede po ba magbayad sa bayad center sa mismong due date ng housing loan? hindi naman sya magkakacharge kasi baka late posting?
Sir papano Po ba malaman Kung magkano Po Ang hulog Ng 480k sa pag ibig for 30 years ..min wage earner lng Po..Sana masagut nio Po..thanks🙏
Paano naman po yung meron pang ongoing housing loan po?pwede paba maka loan in cash po?😢
Sir meron po ba kayong video na nag discuss lang ng loan regarding lot only?
Sir tanong ko lang po, paano po kung my Finding ako sa pag ibig po kasi po humihingi ang pag ibig ng Medical Certificate ko po. kasi po thumbmark po ang ganagamit ko po sa pag sign ko po. sir nakapasa na po ako ng Medical Certificate po. sir magkaka avail na po ako ng Housing loan po sa pag ibig po?
Good day po.. Sana po mabigyan linaw po ako... Nag loan po ako march 2021, start po ng deduction Nila is 15 of June 2021 po good for 2years to pay po...
Yong money na received Lang po namin is 7,400 plus po, pero nong nag inquire po ako through online
9,766 po yong loanded amount ko... Tiningnan ko po yong contribution ko may remaining balance pa po ako na 5894 po?
Naka name sa gf ko po yung bahay.
Since naka name sa gf ko po yung bahay. Pwede po ba ako mag apply ng renovation loan po for house improvement or yung gf ko lang po?
Bka my list po kyo ng accredited developers ng pag ibig? Wala kc sa website po e. Thank u
Sir super informative po un channel nyo. Quick question lang po - ano po ang ibig sabihin nang Preferred Fixed Pricing Period?
Hello! You can watch my other vlog about fixing period >>> czcams.com/video/hu664otzrII/video.html
Sir pwede po mag tanong may for sale po kasi na property cash po kailangan ng seller, pwede ko po ba i'apply Yun sa pag ibig
Sir pwede bang magloan kung babayaran lang is transfer of certificate? Thx po
San pag ibig pwd mag loan nyan sir
Bakit ako Sir 2nd loan ko 12k lng wla namn akong balance sa MPL 1st loan ko
sir pwede ba magloan pang bayad sa nasanlang property?
Hello may video po kayo and loan table balak ko po kasi magloan po ako ng 500k cash po. Pede po ba un thanks. Sorry po ngayon lang po kasi ako magloloan
Pwede po ba Maka pag cashloan nang 200k sa pag ibig pang kuha lang namen anng sangla tira
Hello Sir, paano po kung nakapagbayad na ako ng equity after 4 years then mag-aapply sana ako sa pag-ibig for housing loan kaso nadiss-approved. Ano pong mangyayari sa binayad ko na equity? Mawawala na po ba iyon or babalik pa po sa akin iyon if ever na hindi ako ma-approved ng mga banko or pag-ibig. Thanks
It depends on what is stated on your contract to sell, but if its already 4 years you can apply Realty Installment Buyer Protection Act / Maceda Law
Hi po. Accepted po ba if umid id for filing a loan sa pag ibig? Thanks
good pm sir pwede din po ba sa sasakyan loan car...???
Hi, po sir. good morning. Kumuha po ako ng condo STUDIO TYPE lang worth 2.8M amount payable to the SMDC here at Lanang, Davao City kasi our house igigiba na nila next year. My equity is 343K which I am paying right now. So, my net payable is 2.5M. This video is the answer I'm praying of the info na magkano kaya would be the approved loan through he PagIbig. My worry is PagIbig will approved my application but not a 100%. Pwede po ba ako mag request na i-100% nila?. Salamat po
Hello. Very rare ang 100% approval because of LTV ratio, only applies to socialized housing. Baka SMDC has a tie up that can give you a higher loan approval with other financing institution.
Q1. can you loan multiple properties sa Pag-ibig?
below scenario:
a.) 3 condo
b.) 1 condo + 1 parking
c.) 1 condo + 1 house and lot
Q2. say fully paid na ang loan sa pag-ibig in your lifetime below 65 can you loan again?
1. Yes, as long as your income is big enough to qualify for all these loans if you apply them at the same time.
2. Yes you can.
@@ChrisSuarezRealEstate cool at least mahaba haba amortization period
Circular No. 396 - Modified Guidelines on the Pag-IBIG Fund End-User Home Financing Program
Hi Sir applicable din po ba to for MPL (overseas education purpose)?
Sr pahelp nmn po may nabili kasi ko lupa kasi mother title laki po mgagastos pagka ipapatitolo plano ko po sana mgloan nlng ng pera sa pagibig pwede po kya khit 1m 40k po ofw po slant sr please mkiasagut po slamt po ulit
Gross na po ba ngayon? Hindi basic pay lang?
Pwd po ba mag loan kahit tumigil ka sa work mo? Pero, more than 4 yrs kana nag contribute sa pagibig.
You have to have at least any source of income
Mag loloan po ako paano po ba kc nag sara n po ung pinapsukan kung skol
Good day sir ask ko lang pwd po bang mag loan sa pag.ibig para sa farm equipments. Sample ( for Traktor)...
Try Pag-IBIG Heal
Hello Sir. Ask ko lang po. May mag kakilala kasi ako na nagtataka sila kung bakit ang baba lang ng nababawas sa principal nila kahit regular naman ang pagbabayad nila ng monthly amortizations nila. Any advise po kung ano po ang Tamang pagbabayad? Thank you Sir
First few years ng amortization mas malaki ang napupunta sa interest more than the principal. Ideally, you make advance payments to lower down your balance.:)
Hello, Sir. Good Afternoon! Gaganda po talaga ng mga content nyo. Really helpful. Anyway,
Ask lang, ang agreed po kasi naming equity ni developer nung pumirma ako last year is 10% lang. Kaso yung tied up bank daw nila is nagpapaloan nalang hanggang 80% and sinabe ko po na wala akong pera na pang spot sa kulang na 10%. May nirecommend po sila saken na taasan nila yung Total Contract Price na ipapasa sa bank/pagibig, para daw di ko na need maglabas ng another 10% at macover yon. recommended po ba yung ganito? Thank you in advance.
Hi Jaysseen, ibig sabihin 80% lang ang loan to value ratio ng tie up bank nila, pagtataasan ang selling price mas malaki ang amount na macover ng 80% LTV. But from what I know, banks will still base it on the appraised value ng property, not on the selling price.
Pano po sir kung salary loan
Sir, pwede po b magloan ng money thru pagibig kapag lote lang ipifinance. Example worth 100k yung lote.How much po ang down and monthly and ilang yrs po ang maximum na payment niya?Salamat
yes, but they have a minimum amount
Po respect po sa comment bago lng ako sa adulting.
House lang po ba pwede loan sa pag-ibig? What if gusto mo mag loan for i busines mo okay po ba yon?
Yes for residential purpose only, you can try banks business loans or equity loan if you have a titled property
Question po: Possible po ba mag loan ng 50% lang po sa total amount ng lot? For example, P 1,000,000.00 ang total amount ng Lot. P 500,000.00 lang po yung i.loan ko, yung half naman is i.cash.
Salamat po.
Yes possible naman, your loanable amount will also depend on the appraised value of the property and your income.:)
@@ChrisSuarezRealEstate nice! maraming salamat po :)
Hi sir very informative talaga ang video mo. Tanong lang po sana sir may property sana kami na bibilhin from a private individual na worth 2m tapos gusto ko ipasok lang namin sa pag ibig kasi wala kaming pang cash. May posibilidan ba sir na yung 2m e apply sa pag ibig ma approved po kaya ang whole amount?
Hi Lara! It will depend sa magiging result ng appraisal ng property. Usually the approved loan amount is 70% to 80% of the appraised value.
Hi sir ano po fb nyo kc may itatanong sana ako regardinf pag ibig loan.
Thanks for this video! Question lang po, posible po kaya na mag-refinancing from in house to PAGIBIG? Thank u po!
Yes as long as acceptable yung in-house financing ng particular developer and 1 year na ang account.
@@ChrisSuarezRealEstate THANK YOU PO!
@@jen5209 welcome:)
Nakaka avail Po ba Ang army jan
Hello sir Chris.can you elaborate po ung property na hindi acredited ni pag-ibig pero gusto ko siya iaply sa pag-ibig.Is that possible po?
Yes, as long as titled, you can file it yourself, mas difficult nga lang kase walang assistance ng developer.
@@ChrisSuarezRealEstate thankyou sir😄
😍😍
Pano pag mag papagawa lang ng sariling bahay?
You can apply for house construction loan
Pwede po ba i apply sa Loan ang Foreclosed properties nila?
Yup, pwede ang acquired assets nila:)
@@ChrisSuarezRealEstate Planning to launch po,first venture ko this year :D
Salamat sir!
Hi sir ask kolang kong yung acquired asset poba yung gusto kong maaccquire directlty to pag-ibig. Tas nakapag bid.bond na ng 5%. D poba yung natitirang 95% nalag yung babayaran ko nun?
Hi sir, can we still negotiate yung na-approve amount samin ni pagibig? Based on the gross chart you provided, mas malaking amount pa sana ung pwde nilang mapa-hiram samin e. Tia.
Sir pwedi po ba mag housing loan ung min.wage lng po
Yes, pwedeng pwede. Mas mababa ang interest pag minimum wage earner.:)
@@ChrisSuarezRealEstate sir isa po akong security guard sir agency po ako maka avail po ba ako ng housing loan
@@ChrisSuarezRealEstate sir isa po akong security guard sir agency po ako maka avail po ba ako ng housing loan
@@ChrisSuarezRealEstate sana sir matulongan nyo po ako sir
@@ChrisSuarezRealEstate sana sir matulongan nyo po ako sir
Hi sir question lNg po. Pwede po ba mag loan ng cash sa pag ibig pambili ng lupa.at pampagawa ng bahay.. ?
Pwede po mag apply ng purchase of lot with house construction loan