Housing loan

Gamitin ang construction / home-improvement checklist kasama ang plano, cost estimate at permits. Maaaring paunti-unti ang loan release matapos ang inspection.

Gastos / halaga:

• Ihiwalay sa budget ang application / appraisal, mortgage registration, insurance at equity / transfer costs
• Kunin ang itemized Pag-IBIG assessment para sa loan program bago magbayad; hindi official fee schedule ang package ng agent
• Ayon sa approved loan, term at repricing period ang monthly amortization
• Kasalukuyang announced program ceiling: ₱10 milyon; ayon sa kita, appraisal at eligibility ang approved amount

Tagal ng proseso:

• Magkakahiwalay ang application, appraisal, approval at post-approval release
• Hindi pa loan release ang Notice of Approval; kailangang tapusin ang title / mortgage at ibang release conditions

Paano magsimula:

• Suriin ang eligibility at i-download ang checklist para sa eksaktong loan purpose

Mga kailangang dalhin

• Membership, edad at repayment eligibility

  Ihanda ang MID at savings record; karaniwang kailangan ng regular housing-loan program ang hindi bababa sa 24 monthly savings at sinusuri ang edad, kita at ibang Pag-IBIG loans.

• Housing Loan Application, identity at income evidence

  Ihanda ang kasalukuyang application, IDs at income documents para sa employed, self-employed o overseas worker ayon sa checklist. Isama ang spouse / co-borrower kung angkop.

• Property title at tax records

  TCT ang Transfer Certificate of Title; CCT ang Condominium Certificate of Title. Ihanda ang certified title, tax declaration at real-property-tax records para sa property.

• Plano, specifications, bill of materials at permits

  Gamitin ang signed plans, cost estimates at building / ibang permits para sa construction purpose. Suriin muna ang pangalan sa land title bago magbayad sa plano.

Paano mag-apply

1. 1
   Kumpirmahin ang eligibility at tamang application route

   Ihambing ang regular housing program at developer-assisted / subsidized options; piliin ang purpose-specific checklist.

   Buksan ang opisyal na serbisyo

2. 2
   Isumite ang borrower at property documents

   Isumite sa tinatanggap na channel at itago ang acknowledgment at itemized assessment.

3. 3
   Kumpletuhin ang appraisal at suriin ang approval terms

   Suriin ang approved amount, interest / repricing period, term, insurance at equity. Hindi approved loan mo ang advertised maximum.

4. 4
   Tapusin ang mortgage / release conditions at suriin ang hulog

   Sundin ang Notice of Approval at release checklist. Itago ang title / mortgage registration at alamin ang unang due date.