Nagtataka ka ba kung bakit bayad ka ng bayad ng iyong housing loan ngunit hindi gaanong lumiliit ang iyong outstanding balance? Amortization Table : bit.ly/37ANK2i
Additional info: For Pag-IBIG Loan, your advance payment should be more than your current amortization for it to be considered an advance payment to principal. For banks, they have different rules on advance payment some allow it only after your loan anniversary, some allow after 6 months and some allow it right after the first amortization.:)
Sir Chris, hi! What if you don't feel like underscoring to them that you want to do the advance payment and you just simply do it. Would there be any consequence? TIA and more power. BTW, can I ask for a copy of the LOAN AMORTIZATION TABLE? :)
new subscriber here :) thank you for the very informative discussion. Can i ask for a copy of the excel file? here's my email ad, hannahmei_01@yahoo.com.ph thank you very much appreciate it :)
for example you have paid the loan for more than 3 yrs na and may 1.1m balance ung principal tas bigla ka nagka pera. Pwede mo ba bigla bayadan na ung 1.1M isang bagsakan pra matapos na ung loan and mawala na ung interest etc.
Hello there, Thank you for this Sir. Chris! This is the type of channel we should be watching especially those who are adulting and into invesment. More power to your channel.
For Pag-IBIG Advance Payment, the amount applied to principal has to be equal or greater than your monthly amortization. For some banks, the advance payment must be made on the account’s due date, for it to be applied to the principal.:) Amortization Table >>>> bit.ly/37ANK2i
Sir, nag error po formula dun sa interest saved naedit ko ata ng mali. pashare po ng right formula or pasend na lang po thru email cire.ocusac@gmail.com. Thanks po
Hi Sir...The most awaited topic ko to sir...Salamat po sir... Sir ganda ng polo shirt nyo i love the color...Kahit di na buaya ang tatak ok lang...Kahit butiki na tatak lang ng polo shirt ok na ako basta ganyan na kulay...😊😊
Hi Chris! My husband and I been watching your videos, and it becomes our guide in purchasing properties. Thank you so much, truly you are a great help and a blessing for us first timers in investing in real estate. God bless you sir.
Hi Sir...thank you for this vedeo, Ive learned this the hard way, kung baga nalaman ko na lang ito sa last 3 years ng amort ko, but still nabawasan nmn ang interest ko sa applied to principal method. Happy nrin ako.😊
ty sir, nagplano din ako ng re financing to pagibig .. at hopefully na magawa ko rin ang advance payment na tinuro nyo from this video ... kudos to you!!
Chris your content is amazing! Its so concise. The visual graphs are helpful and the so is the computation table. I think your channel will grow exponentially with this kind of content. No one else is doing it like you! Looking forward to more adulting content! 😊
I've been looking for confirmation on the possibility of advanced principal payments to bank loans in the Philippines for a while now. Thanks for sharing this!
Hi Mr Chris, thanks for this video. Pero medyo kulang lang about sa advance payment. Kasi di buo ng binayad mo as advance payment mababawas sa principal amount meron pang ibabawas na insurance and interest. Tama po ba? Kasi nagadvance payment to principal ako ng certain amount pero nung nakita ko sa total principal amount ko after 3 business days hindi pumasok buo yung binayad ko. Then yun, inexplain sakin which is clear and reasonable naman. Maraming Salamat sa video mo na to at malaking tulong..
Hello sir🙋♀️ very informative and helpful your video. Hopefully po maka kuha din po ako ang excel sheet like sa video nyo po pra maka pag prepare po ako sa plan ko na makpag bayad sa aming housing loan
Sir Chris katulad po sa akin nasa bank bdo 15 yrs to at nakaka 5 years and 7 mnths napo ako nag huhulog gusto ko pa sana ma shorten ng 5 yrs na lng mag kanu po Kaya ang pede ko e advance sa applied to principal sir.. para atleast 5 ko na lng po bayaran… 1.3M po. Bali 15 yrs to pay yong loan ko maraming salamat po sa info nato… sobrang nakakatulong sa akin at sa iba din na gusto… salamat po sir!
Hello Sir Chris. I'm a CPA here in the Philippines, and to be honest, kahit ako lost on how should I better finance my dream home. Minarathon ko na yung videos mo. Very concise yet informative. Thank you. More power to you Sir :)
Thank you for this vid Sir Chris. 😊 I find this vid informative and very helpful. I really wish to have your Mortage Calculator, I believe that's can help me a lot! 😊
You’re really good Chris! Very well explained as always! Watched all your vlogs and I really love it! You’re always able to explain it precisely and very informative! Hope you can send me a copy for this excel! Thanks again and more success!
Thanks for sharing this Sir Chris. Anyways, I messaged you in FB regarding the sample template you used. Thanks in advance and more informative vids to come. :)
I just started following your CZcams channel and I'm learning a lot. Plano Kung mag loan sa pag ibig and I need your guidance and advice sir Chris. I also a need an extra income maybe you can also help me to work with your company. Thank you.
hi sir question po.. para ma minus sa principal amount, need ho ba sya x2 sa monthly amortization? Like sa akin 10k monthly ko, need ho ba na 20k bayaran ko or ok lng maging 11k bayaran ko babawas pa rin un sa principal ko? Thank you sa mkasagot..
Hello po sir Chris Been following you longtime and been watching your videos for tips ang to learn more about Real Estate Investing ang Selling. More power to you sir. can i also have the copy of the excel file your use? This content is 1 year older but i hope you notice my comments. Godbless po.
Problem lang po with pag ibig kahit mag advance to principal ka ganun pa din ang monthly amortization mo hanggang matapos. Sana mabago din kasi sobrang laki ng singil ng pag ibig bukod sa interest may insurance pa na compulsary.
Sir, this is the first time I learned about this and it is so insightful. Thank you. 🙂 In addition, I checked your channel's videos and all of which are valuable contents. You earned my subscription. 🙂
Hi sir. Pano po magadvance payment to principal? Pede ba magadvance payment sa mga Bayad Center? And pano pag sobra yung naibabayad monthly sa amortization sa mga bayad center. Will it be automatically be paid to principal?
Hi Chris, very informative video. May natutunan ako lalo na magstart na ako ng amortization. Can I have a copy of the ecel sheet calculator pls..Godbless you
Concise, complete, and extremely informative! Great video. Planning to set aside money to pay advanced to principal, kahit annually since malayo ang branch samin. Sana maging available din sa online transactions yung apply to principal, no? I wish! Thank you! Thank you for this vid!
Hi Sir Chris. This is the very first video I saw on youtube about amortization that is the most informative and straight to the point. A big help specially for me na I don't have any ideas about loans and interest rates sa mga institutions since Im afraid of the word LOAN or utang! hehehe Im an OFW and planning to take housing loan since di abot pa rin ang budget for one time payment. Maybe you'll be kind enough to share the amortization table with me. I tried to download it but parang manipulated po yung nsa link sa description. I will really really really appreciate if mashare nyu po sa akin. Thanks for the great help! Godbless..
Additional info: For Pag-IBIG Loan, your advance payment should be more than your current amortization for it to be considered an advance payment to principal. For banks, they have different rules on advance payment some allow it only after your loan anniversary, some allow after 6 months and some allow it right after the first amortization.:)
Thank you sir Chris! This was exactly the type of question I have in mind. Hoping for more informative videos! :)
Sir Chris, hi! What if you don't feel like underscoring to them that you want to do the advance payment and you just simply do it. Would there be any consequence? TIA and more power. BTW, can I ask for a copy of the LOAN AMORTIZATION TABLE? :)
Pwede po makahingi ng excel?
new subscriber here :) thank you for the very informative discussion. Can i ask for a copy of the excel file? here's my email ad, hannahmei_01@yahoo.com.ph thank you very much appreciate it :)
for example you have paid the loan for more than 3 yrs na and may 1.1m balance ung principal tas bigla ka nagka pera. Pwede mo ba bigla bayadan na ung 1.1M isang bagsakan pra matapos na ung loan and mawala na ung interest etc.
Hello there, Thank you for this Sir. Chris! This is the type of channel we should be watching especially those who are adulting and into invesment. More power to your channel.
Thank you, Jonalyn!☺️
Thank you Sir Chris..very informative and well explained ang mga vlogs mo..
Haayyy hulog ng anghel si sir.. ang linaw mag-explain.. salamat po sa idea.
For Pag-IBIG Advance Payment, the amount applied to principal has to be equal or greater than your monthly amortization. For some banks, the advance payment must be made on the account’s due date, for it to be applied to the principal.:)
Amortization Table >>>> bit.ly/37ANK2i
Thank you so much sir! Appreciate it ☺️
Sir, nag error po formula dun sa interest saved naedit ko ata ng mali. pashare po ng right formula or pasend na lang po thru email cire.ocusac@gmail.com. Thanks po
@@1000jerricco yes nag eerror po yung formula. walang automatic computation
Sir nag eerror po
Hi Sir...The most awaited topic ko to sir...Salamat po sir... Sir ganda ng polo shirt nyo i love the color...Kahit di na buaya ang tatak ok lang...Kahit butiki na tatak lang ng polo shirt ok na ako basta ganyan na kulay...😊😊
Thank you, Wilnar!:)
Thanks for sharing, madali pong maintindihan ..will be planning to get a pagibig housing loan soon 🙏😊
ang maganda sayo sir napakalinaw ng mga explanation mo na mauunawaan ng kahit sino.
Thanks! more power sa channel!
Salamat!
Hello sir bago palang ako dito
Salamat sa info
Napakalaking tulong po ito kc kumukuha kami ng bahay sa pag ibig
Hi Chris! My husband and I been watching your videos, and it becomes our guide in purchasing properties. Thank you so much, truly you are a great help and a blessing for us first timers in investing in real estate. God bless you sir.
Hi Sir...thank you for this vedeo, Ive learned this the hard way, kung baga nalaman ko na lang ito sa last 3 years ng amort ko, but still nabawasan nmn ang interest ko sa applied to principal method. Happy nrin ako.😊
Maraming matutulungan itong video na ito, I didn't know this until today. Thank you Chris!
Thank you too!
ty sir, nagplano din ako ng re financing to pagibig .. at hopefully na magawa ko rin ang advance payment na tinuro nyo from this video ... kudos to you!!
ang galing Chris, napaka linaw. thank you for making another valuable content.
THANK YOU CHRIS! As someone that will apply for bank housing loan next year, this is helpful! Buti nakita ko channel mo ❤
This is one of the best loan explanation!!! Thank You sir Chris!!!!
well said po Sir. Many thanks.. Kaya pala hnd ko nraramdaman ung binabayad ko sa pagibig monthly ganun gngawa nila.
I initially thought sa pag-ibig lang pwede mag advance payment. Thank you po for the info 🙏🏼
Kaya nga Sir, ang laki ng mpunta sa interest, ngaun lng kz kmi nagkabahay,gnyn pa ang napasukan..hirap! Prang gzto q na ipa assume 😢
Very informative video.. thanks dami ko natutunan sir thanks.
Chris your content is amazing! Its so concise. The visual graphs are helpful and the so is the computation table. I think your channel will grow exponentially with this kind of content. No one else is doing it like you! Looking forward to more adulting content! 😊
Thank your for your kind words:)
@@ChrisSuarezRealEstate Ask ko lng po Kung yung Landbank of the Philippines uma-accept ng advance payment on the principal. Thank you for your reply.
@@watchtolearn1858any update Sir, kung nag advance payment ka po
Meron din ako UCPB and now landbank.
Thank you po
Thank you sir! Isa to sa mga hinahanap kong information, laking tulong sakin neto hehe. Godspeed!
Very detailed video. This has been really helpful especially for someone like me who's considering applying for a Pag-IBIG loan. Thank you!
Thank you sir Chris marami akong natutuhan. Mag a advance payment na ako sa bank. Keep safe po.
Thank you po!:)
Informative video. So means sa bank, during application of loan ay openly discuss na sa bank.
Thank you Sir very informative☺️
Very clear sir tq for sharing this malaking tulong na po ito tq.
wew! this one's so helpful. i've watched several vids on real estate acquisition but no one talked about advance payment.
Hi sir Chris, thank you so much for the details.
Thank you for your clear discussion sir.
You got a new subscriber. Very informative and okay ang pace ng videos. Gusto ko rin ung background ng vids ang relaxing haahha
Thank you sir Chris. Very concise and direct to the point ang mga topics nyo. New subs here. More power to your channel
Oh thank you, HJ!:)
Informative video! planning to have housing loan to the bank. Will do this advance payment strategy
Very informative sir!! Thanks for this ang galing!!
Very informative indeed. Thank you so much, Sir.
Thanks for sharing the Amortization Table. Its a great help indeed.
thank you for this detailed and simple explanation 👏 👍 😊
Sir chris tnx very educational and informative ng channel mo.... parequest nmn po ng excel file sa amort comp and etc... tnx more power
I've been looking for confirmation on the possibility of advanced principal payments to bank loans in the Philippines for a while now. Thanks for sharing this!
natry nyu na po after?
Hi Sir looking forward for the video about process when paying advance payment for pagibig amort. Especially like me as an OFW.
Thank you!
Thank you for informing and teaching us.
Sa BPI they allow advance payment to principal perp dapat equivalent to 6 months or more ng monthly amort mo.
Hi Mr Chris, thanks for this video. Pero medyo kulang lang about sa advance payment. Kasi di buo ng binayad mo as advance payment mababawas sa principal amount meron pang ibabawas na insurance and interest. Tama po ba? Kasi nagadvance payment to principal ako ng certain amount pero nung nakita ko sa total principal amount ko after 3 business days hindi pumasok buo yung binayad ko. Then yun, inexplain sakin which is clear and reasonable naman. Maraming Salamat sa video mo na to at malaking tulong..
Wow, ito yung tanong ko sa banko kanina ei habang nag contract signing ako about sa advance payment haha
Very good vids. Strght. Short but precise. Keep d good vids sir.
Yes in some banks you can apply for acquisition of property with loan take out
Hello sir🙋♀️ very informative and helpful your video.
Hopefully po maka kuha din po ako ang excel sheet like sa video nyo po pra maka pag prepare po ako sa plan ko na makpag bayad sa aming housing loan
Dito mo pala diniscuss yung query ko sa isang post mo. Thanks
Thank you sir for educating
Thanks Sir Chris. Very informative.
Very informative. I think i will be needing this amortization calculator soon.
You are amazing Sir! Thank you for the information.
Very helpful thank you po God Bless
Thank you so much Sir Chris very informative po..I'll share it yo my buyers...🥰🥰🥰
Sir Chris katulad po sa akin nasa bank bdo 15 yrs to at nakaka 5 years and 7 mnths napo ako nag huhulog gusto ko pa sana ma shorten ng 5 yrs na lng mag kanu po Kaya ang pede ko e advance sa applied to principal sir.. para atleast 5 ko na lng po bayaran… 1.3M po. Bali 15 yrs to pay yong loan ko maraming salamat po sa info nato… sobrang nakakatulong sa akin at sa iba din na gusto… salamat po sir!
Yes you can, just ask your bank officer if anung policy nila and minimum amount para makapag advance payment applied to principal.:)
Nice to have this info Sir. I hope meron din kayong Discussion about Deed of Conditional Sale. Thank you and God Bless Sir.
really appreciate this Chris. Thank you for putting too much effort on your videos. Please do make more contents..
Thank you!
Maraming salamat boss. God bless you.
Very informative👍thankyou sir chris😊
Hello po!
Currently on my way to my 1st mortgage on a condo unit and this really helps!
Requesting access po sa Amortization table. Thanks! 🎉🎉🎉
Wow! Very informative. Thank you Cris!
salamat sa info. sir Chris... Godbless...
Kaya nga po hinde nmn sinabi samin yan para nakapagadvance kmi.
Will share this to my cousin,gracias sir Chris be safe po.🤩
Thank you, Gaelle!😊
Sayang ngayon ko lang nalaman Sir Chris, makakatipid parin kaya kami if mag request kami sa bank pero 2 yrs. na lang matatapos na po kami...
Hello Sir Chris. I'm a CPA here in the Philippines, and to be honest, kahit ako lost on how should I better finance my dream home. Minarathon ko na yung videos mo. Very concise yet informative. Thank you. More power to you Sir :)
Thank you, Anne!😊
Sir cris pde maka hingi ng copy ng exel sa computatio? Salamat po
Very helpful! Chris thank you, appreciate it 😊🤝.
Good Morning Sir. Just watched your informative video. Would like to request po for the excel file ng computation for our monitoring purposes.
Thank you for this vid Sir Chris. 😊
I find this vid informative and very helpful.
I really wish to have your Mortage Calculator, I believe that's can help me a lot! 😊
thank you this very informative..like me Sir because i have also housing loan in pag ibig.😊
Welcome!:)
You’re really good Chris! Very well explained as always! Watched all your vlogs and I really love it! You’re always able to explain it precisely and very informative! Hope you can send me a copy for this excel! Thanks again and more success!
Thank you for this video. Very interesting 👍
Question po. Pag ongoing na ba ang loan pwede namin irequest sa bank na gusto namin bawasan ung principal? Or maghulog pero sa principal mapupunta?
Thank you sir! I'm currently studying on how to invest and your video makes my life much easier. Great job!
Thank you!
Thank you for this video this is very informative.
Very informative and well explained po Sir Chris😊 Thank you!
Welcome!
Thanks for sharing this Sir Chris. Anyways, I messaged you in FB regarding the sample template you used. Thanks in advance and more informative vids to come. :)
Ma’am anu po fb ni Sir Chris?
I just started following your CZcams channel and I'm learning a lot. Plano Kung mag loan sa pag ibig and I need your guidance and advice sir Chris. I also a need an extra income maybe you can also help me to work with your company. Thank you.
hi sir question po.. para ma minus sa principal amount, need ho ba sya x2 sa monthly amortization? Like sa akin 10k monthly ko, need ho ba na 20k bayaran ko or ok lng maging 11k bayaran ko babawas pa rin un sa principal ko? Thank you sa mkasagot..
Thanks Chris
Very informative. Thank you
Thank you for this video. Very helpful po. Pwede po makahingi ng table, please? Thank you
Nice content! Thank you for making this video. Nagkaroon po ako idea. 😀
And oh! new subscriber here 🖐👍
Ang galing niyo mag explain sir! Sobrang linaw ❤️ Auto Subscribed ako haha
Thank you, Marie Cake!
This is very informational. Thanks. Is the advance payment done by increasing your monthly amort? Or can u pay lumpsum amount when u have the funds
Thank you so much, sir! This is very very helpful! God bless you!
You're welcome!
Hello po sir Chris
Been following you longtime and been watching your videos for tips ang to learn more about Real Estate Investing ang Selling.
More power to you sir.
can i also have the copy of the excel file your use? This content is 1 year older but i hope you notice my comments.
Godbless po.
Hi Cris , I find your channel very useful. I would like to have a copy of your excel sheet. Thanks in advance
Thank you so much, Sir!
Problem lang po with pag ibig kahit mag advance to principal ka ganun pa din ang monthly amortization mo hanggang matapos. Sana mabago din kasi sobrang laki ng singil ng pag ibig bukod sa interest may insurance pa na compulsary.
Yes, iikli lang talaga ang loan term but MA will still be the same.
Sir, this is the first time I learned about this and it is so insightful. Thank you. 🙂
In addition, I checked your channel's videos and all of which are valuable contents. You earned my subscription. 🙂
Thank you for your kind words!
Thank you gor this info sir, informative - btw I request an access to your excel file :)
Hi sir. Pano po magadvance payment to principal? Pede ba magadvance payment sa mga Bayad Center? And pano pag sobra yung naibabayad monthly sa amortization sa mga bayad center. Will it be automatically be paid to principal?
Hi Chris, very informative video. May natutunan ako lalo na magstart na ako ng amortization. Can I have a copy of the ecel sheet calculator pls..Godbless you
THANK YOU SIR
Concise, complete, and extremely informative! Great video. Planning to set aside money to pay advanced to principal, kahit annually since malayo ang branch samin. Sana maging available din sa online transactions yung apply to principal, no? I wish! Thank you! Thank you for this vid!
Any update po sa process ng advance payment po
Thanks
Very informative
Thanks mate!
Ngayon po pwede na mag advance payment agad agad sa paymaya. Apply excess to principal
Good to know!:)This vlog needs an update😁
Thank you
Thank you for the info Sir Chris. :) This is very helpful and informative.
Is this payment skim also still applicable to Security Bank? Thanks.
Hi Sir Chris. This is the very first video I saw on youtube about amortization that is the most informative and straight to the point. A big help specially for me na I don't have any ideas about loans and interest rates sa mga institutions since Im afraid of the word LOAN or utang! hehehe Im an OFW and planning to take housing loan since di abot pa rin ang budget for one time payment. Maybe you'll be kind enough to share the amortization table with me. I tried to download it but parang manipulated po yung nsa link sa description. I will really really really appreciate if mashare nyu po sa akin. Thanks for the great help! Godbless..
Sure, sorry for my late response :)