Magkano ang pwedeng ihousing loan based sa Sweldo?

Magkano ang pwede kong I-housing loan based sa income or salary ko?

 

 

Sa pag avail ng housing loan, nakadepende ang iyong mailoan sa sweldo or income mo monthly.

Icheck sa video na ito, kung magkano ang maavail mong housing loan depende sa iyong salary.

Kung gusto nyo pong makareceive ng mga video post updates, Maari pong sundan nyo ako sa aking Facebook Fan page at Youtube.

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More Power and Godbless to all!!!

Regards,

Ralf Roger Tagao
Acountant/Licensed Real Estate Broker
PRC License # 0013076

Note:
Ralf Roger Tagao is a Certified Public Accountant (CPA), Licensed Real Estate Broker & an Entrepreneur. He worked for more than 9 years as an Auditor & Accountant from 2005 to 2014. He has started real estate part time in Year 2012 when he got his license and became full time since January 2015 concentrated on selling house and lot in Bulacan area. He also manages a small business since Year 2013 aside from growing his realty business.

Hi, I’m Ralf Roger Tagao, CPA, Real Estate Broker & Entrepreneur. I’m engaged in Real Estate Selling of house and lot particularly located in Bulacan.

Mga Fees na babayaran pag nag avail ng house and lot

Mga Fees na babayaran pag nag avail ng house and lot

 

 

Sa pag avail natin ng house and lot especially kung thru Pag-ibig or Bank financing, eto ung mga dpat nating malaman na mga type of fees na babayaran.

Alamin ang mga fees na ito sa video na ito.

Kung gusto nyo pong makareceive ng mga video post updates, Maari pong sundan nyo ako sa aking Facebook Fan page at Youtube.

Please like : https://www.facebook.com/ralftagao

Follow me in youtube: https://bit.ly/2kGNPJc

More Power and Godbless to all!!!

Regards,

Ralf Roger Tagao
Acountant/Licensed Real Estate Broker
PRC License # 0013076

Note:
Ralf Roger Tagao is a Certified Public Accountant (CPA), Licensed Real Estate Broker & an Entrepreneur. He worked for more than 9 years as an Auditor & Accountant from 2005 to 2014. He has started real estate part time in Year 2012 when he got his license and became full time since January 2015 concentrated on selling house and lot in Bulacan area. He also manages a small business since Year 2013 aside from growing his realty business.

Hi, I’m Ralf Roger Tagao, CPA, Real Estate Broker & Entrepreneur. I’m engaged in Real Estate Selling of house and lot particularly located in Bulacan.

Paano ba ako maka-avail ng bahay if hindi ako member ng Pag-IBIG?

Paano ba ako maka-avail ng bahay if hindi ako member ng Pag-IBIG?

 

Karamihan sa ating mga kababayan na OFW ay gustong mag-avail ng house and lot pero marami ang hindi member ng Pag-IBIG. Since karamihan sa mga affordable housing projects ay thru Pag-Ibig housing loan, nararapat lamang na magpamember ang isang buyer sa Pag-Ibig para makapag housing loan. If not kasi, ang isang option na lng ay thru In-House Financing which is mas mabigat ang terms of payments.

 

Hi, I’m Ralf Roger Tagao, CPA, Real Estate Broker & Entrepreneur. I’m engaged in Real Estate Selling of house and lot particularly located in Bulacan.

Paano mag avail ng house and lot ang Married pero separated sa asawa

Paano mag avail ng house and lot ang Married pero separated sa asawa?

 

 

Paano mag-avail ng house and lot ang Married pero separated sa Asawa?

Sa loob ng halos 4 years ko na nagbebenta ng properties especially house and lot, marami sa mga nagtatanong sa akin na gustong bumili ng house and lot ay may mga issues sa kanilang marriage. Sa madaling salita, ay kasal sila at hiwalay na sa kanilang Asawa. Ang tanong, pwede ba silang mag avail ng house and lot? Alamin ang kasagutan sa aking short video na ito.

Kung kayo po ay may mga katanungan, komento or gustong topics na maidiscuss natin, pwede po kyong magmessage sa video na ito or ipersonal message nyo po ako.

Connect with me on my FB page and youtube channel.Thanks

Please like : https://www.facebook.com/ralftagao

Follow me in youtube: https://bit.ly/2kGNPJc

More Power and Godbless to all!!!

Regards,

Ralf Roger Tagao
Acountant/Licensed Real Estate Broker
PRC License # 0013076

 

Hi, I’m Ralf Roger Tagao, CPA, Real Estate Broker & Entrepreneur. I’m engaged in Real Estate Selling of house and lot particularly located in Bulacan.

Ano ba talaga ang Rent to Own?

Ano ba talaga ang Rent To Own?

 

 

Madalas sa mga ads ng mga agents, makikita natin ang rent-to-own sa mga bahay na kanilang binebenta. Pero alam ba natin tlaga ang rent-to-own?

Alamin natin dito sa aking short video kung ano ba tlaga ang rent-to-own.

Kung kayo po ay may mga katanungan, komento or gustong topics na maidiscuss natin, pwede po kyong magmessage sa video na ito or ipersonal message nyo po ako.

Connect with me on my FB page and youtube channel.Thanks

Please like : https://www.facebook.com/ralftagao

Follow me in youtube: https://bit.ly/2kGNPJc

More Power and Godbless to all!!!

Regards,

Ralf Roger Tagao
Acountant/Licensed Real Estate Broker
PRC License # 0013076

Hi, I’m Ralf Roger Tagao, CPA, Real Estate Broker & Entrepreneur. I’m engaged in Real Estate Selling of house and lot particularly located in Bulacan.

Paano mag avail ng house and lot ang isang Locally Employed thru Pag Ibig?

Paano mag avail ng house and lot ang isang Locally Employed thru Pag Ibig?

 

 

Para sa mga locally employed na nagpaplanong mag avail ng house and lot thru Pag-Ibig, magsilbi po sana itong video na ito bilang guide sa proseso ng pagkuha ng house & lot thru Pag-Ibig financing.

At kung kayo po ay naghahanap ng affordable na bahay, ako po ay may mga handled projects sa bulacan area. Maaari po kyong magmessage sa akin para po madiscuss ko sa inyo ang iba ibang projects na hawak ko na suited sa housing needs at budget nyo.

Gnun din, kung kayo ay mga mga katanungan, suggestion or topics na gusto nyong malinawan, maari lamang pong magkomento sa video na ito at sa mga susunod na panahon ay aking pag-uukulan ng time para magcreate ng ibang videos na makakatulong sa bawat isa.

Kung gusto nyo pong makareceive ng mga video post updates, Maari pong sundan nyo ako sa aking Facebook Fan page at Youtube.

Please like : https://www.facebook.com/ralftagao

Follow me in youtube: https://bit.ly/2kGNPJc

More Power and Godbless to all!!!

Regards,

Ralf Roger Tagao
Acountant/Licensed Real Estate Broker
PRC License # 0013076

Hi, I’m Ralf Roger Tagao, CPA, Real Estate Broker & Entrepreneur. I’m engaged in Real Estate Selling of house and lot particularly located in Bulacan.

Paano Mag-Avail ng House & Lot ang Isang OFW Thru Pag-Ibig?

Paano Mag-Avail ng House & Lot ang Isang OFW Thru Pag-Ibig?

 

 

Madami sa ating mga kababayang OFW ang walang clue kung paano ba ang proseso ng pag-avail ng pinapangarap nilang house and lot thru Pag-Ibig. Sa akin pong video na ito, aking diniscuss ang step by step guide sa pagkuha ng bahay thru Pag-Ibig.

Kung tingin nyo po na itong video na ito ay useful at helpful, maaari lamang po na ishare po natin ito sa mga OFW nating kababayan para magkaroon sila ng insights sa proseso ng pag-avail ng house and lot.

At kung kayo ay naghahanap ng affordable na bahay, ako po ay may mga handled projects sa bulacan area. Maaari po kyong magmessage sa akin para po madiscuss ko sa inyo ang iba ibang projects na hawak ko na suited sa housing needs at budget nyo.

Gnun din, kung kayo ay mga mga katanungan, suggestion or topics na gusto nyong malinawan, maari lamang pong magkomento sa video na ito at sa mga susunod na panahon ay aking pag-uukulan ng time para magcreate ng ibang videos na makakatulong sa bawat isa.

Kung gusto nyo pong makareceive ng mga video post updates, Maari pong sundan nyo ako sa aking Facebook Fan page at Youtube.

Please like : https://www.facebook.com/ralftagao

Follow me in youtube: https://bit.ly/2kGNPJc

More Power and Godbless to all!!!

Regards,

Ralf Roger Tagao
Acountant/Licensed Real Estate Broker
PRC License # 0013076

Hi, I’m Ralf Roger Tagao, CPA, Real Estate Broker & Entrepreneur. I’m engaged in Real Estate Selling of house and lot particularly located in Bulacan.

Pano ba ang sample computation thru Pag ibig

Pano ba ang sample computation thru Pag ibig?

 

 

Details ng Sample computation thru Pag-Ibig

Sa pag-aavail ng housing loan thru Pag-Ibig, marami sa mga nag-iinquire ang hindi familiar sa detalye ng computation ng housing loan. Dito po sa short video na ito ay atin pong diniscuss ang sample computation thru Pag-Ibig.

I hope na itong short video na ito ay magsilbing guide para maintindihan po natin ang mga sakop ng babayaran mula sa reservation fee, monthly sa equity at monthly amortization ng Pag-Ibig housing loan.

Para po sa karagdagang katanungan, pwede nyo po ako icontact or ichat sa messenger, Sun 0922.879.7968
TM 0926.882.7912
FB messenger: https://www.facebook.com/ralfroger.tagao

Regards,

Ralf Roger Tagao
Acountant/Licensed Real Estate Broker
PRC License # 0013076

Hi, I’m Ralf Roger Tagao, CPA, Real Estate Broker & Entrepreneur. I’m engaged in Real Estate Selling of house and lot particularly located in Bulacan.

Who are Qualified to avail the Affordable Housing Program of Pag-IBIG?

Who are Qualified to avail the Affordable Housing Program of Pag-IBIG?

 

 

The Affordable Housing Program of Pag-IBIG under Circular 379 (which amended Circular 312) states that a qualified borrower with not more than P17,500 monthly salary for NCR and P14,000 monthly salary in other regions can borrow up to P750,000 and P450,000 housing loan, respectively.

The Circular states the eligibility requirements of a person who wants to avail a housing loan as follows:

1.) On Pag-IBIG Membership

  • Must be a member under the Pag-IBIG I Membership Program as evidenced by the remittance of at least twenty-four (24) monthly¬†savings at the time of application;
  • A member, whose monthly savings are still short of the required number, may be allowed to apply for this program; provided, his total savings upon application is at least equivalent to 24 monthly savings based on the mandatory rate, inclusive of the employee (EE) and the employer (ER) counterparts;
  • A new member who wishes to apply for a Pag-IBIG Fund AHP may be allowed to do so; provided, he remits the required 24 monthly savings based on the mandatory rate in lump sum, inclusive of the EE and ER counterparts. Said lump sum amount shall be considered a single remittance for the applicable month as of the payment date;

2.) Monthly Income

Has a gross monthly income not exceeding Seventeen Thousand Five Hundred Pesos (P17,500). Gross monthly income is herein defined as basic monthly compensation and cost of living allowance;

3.) Age

Not more than sixty-five (65) years old at the date of application and not more than seventy (70) years old at maturity;

4.) Legal Capacity

Has the legal capacity to acquire and encumber real property;

5.) Financial Capability

Has passed satisfactory background/credit and employment/business checks of Pag-IBIG Fund;

6.) If with existing Pag-IBIG housing account, either as principal buyer / borrower or CO-buyer/ co-borrower, it must be updated;

7.) Has no outstanding Pag-IBIG Short Term Loan (STL) in arrears at the time of application. A member whose STL is in arrears shall be required to update his account; and

8.) Had no Pag-IBIG housing account that was foreclosed, cancelled, bought back due to default, or subjected to dacion en pago, which shall include cases where the borrower is no longer interested to pursue his housing account and surrenders the property.

However, the Fund’s Deputy Chief Executive Officer – Home Lending Operations Cluster may allow such borrower to apply for a new Pag-IBIG housing loan under certain meritorious conditions such as in the following cases:

  • Illness of the borrower or any of his immediate family members as certified by a government doctor together with the abstract or findings of the attending physician, if different from the certifying government doctor. The illness under consideration must be that which required the borrower to incur substantial expenses or a prolonged treatment of such illness which caused him/her to fail in his/her obligation with the Fund and eventually resulted in the foreclosure of his Real Estate Mortgage (REM) account, cancellation of the DCS or Contract-to-Sell (CTS), or surrender of his/her property via dacion en paqo,
  • Unemployment of the borrower at the time his previous housing account was foreclosed, its DCS/CTS cancelled or the property surrendered through dacion en pago, but the said borrower has now become employed and is able to meet all other eligibility criteria;
  • The subject property has been expropriated by the Government; or
  • Other similar meritorious cases that the Deputy Chief Executive Officer – Home Lending Operations Cluster may consider.

A qualified Pag-IBIG member may apply for a housing loan of up to Seven Hundred and Fifty Thousand Pesos (P750,OOO.OO),which shall be based on the lowest of the following:

  • the member’s desired loan amount and loanable amount based on gross monthly income,
  • capacity to pay and;
  • the loan-to-appraised value ratio.

Please note that those earning more than P17,500 are not under this Circular for Affordable Housing Program.  It is covered under Circular 310 for the End User Financing Program which I will be discussing also on my next blogs.

I hope that you learn something from this blog and thank you for reading.

 

 

Hi, I’m Ralf Roger Tagao, CPA, Real Estate Broker & Entrepreneur. I’m engaged in Real Estate Selling of house and lot particularly located in Bulacan.