Paano mag avail ng Affordable House thru Pag-IBIG sa Sonoma Residences Sta Maria Bulacan?

Paano mag avail ng Affordable House thru Pag-IBIG sa Sonoma Residences Sta Maria Bulacan?

Paano mag avail ng Affordable House thru Pag-IBIG sa Sonoma Residences Sta Maria Bulacan?

Isa sa mga pinakaaffordable housing projects malapit sa metro manila ay ang Sonoma Residences Sta Maria Bulacan ng Apec Homes. Ito ay nasa 6K monthly thru Pagibig at for as low as 4K monthly sa downpayment sa loob ng 38 months Equity/Down.

Ang Apec Homes ay isa sa mga awarded Top Developers ng Pag-IBIG na nasa more than 22 years na sa pag develop at build ng mga housing projects.

Kung ikaw ay matagal ng nangungupahan, or kung ikaw ay gusto ng mag invest ng sarili mong bahay, panoorin mo tong video na ito para malaman mo kung paano mag avail sa project na ito.


Kung nais mong magkaroon ng idea sa proseso ng pag avail ng property, malaman ang mga tips, Ifollow ang aking social media:

Social Media accounts:

Subscribe to my Youtube channel:

Follow my Facebook page : https://www.facebook.com/ralftagao

Message me in Messenger :https://www.facebook.com/ralfroger.tagao

Licensed Real Estate Brokers:

~ Ralf Roger C. Tagao 0933.820.3456/0926.882.7912
PRC License # 0013076
HLURB License# 002220

~ Jenelyn P. Tagao 0917.868.9708/0922.879.7968
PRC License # 0028636
HLURB License# 008016


Regards,

Ralf Roger Tagao
Acountant/Licensed Real Estate Broker
PRC License # 0013076, HLURB License # 002220

Note: Si Ralf Roger Tagao ay isang Accountant, Licensed Real Estate Broker leading around 20 real estate agents, at Social Media Influencer with more than 18 thousand Youtube Subscribers/Followers, & 200+ videos about real estate tips for 1st time homebuyers, real estate projects & other self-help topics.

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.

Ready For Occupancy Units 2 Storey Townhouse at El Pueblo Del Rio Sta Maria Bulacan!

Ready For Occupancy Units 2 Storey Townhouse at El Pueblo Del Rio Sta Maria Bulacan!

 

 

**1 bus ride going to (from) Manila/Cubao

**Low Downpayment thru bank financing

**Fast Turnover – 6-12 months only from reservation date

**Near churches, schools, commercial establishments
————————————————————————————–
Unit Features:
2 storey townhouse
Lot area: 38.50 sqm
Floor area: 42.75 sqm
2 Bedrooms at 2nd Floor
1 Toilet & Bath
Living, Dining, Kitchen, Service Area
Provision for Front Lawn/Parking Space
————————————————————————————–
Sample Computation thru Pag-IBIG:

Unit Selling Price: 1,473,000

Downpayment/Equity: 316,000
Reservation Fee: 10,000
Net Downpayment : P306,000
12 Months to pay: P26,333.33/month

Loanable Amount: P1,157,000

Estimated monthly amortization:
Pagibig for
30 years – 8,315.04/month

Required basic salary – 22,623.36/month

Note: Prices are subject to change without prior notice
————————————————————————————–
Advantages:
Fast turnover
Fully finished w/ covered lavatory
Tiled bathroom floor and walls
With parking space
Available thru bank financing also
————————————————————————————–

We’ll be glad to assist you, Feel free to contact me at:
Sun 0933.820.3456
TM 0926.882.7912
FB: https://www.facebook.com/ralfroger.tagao

Regards,

Ralf Roger Tagao
Acountant/Licensed Real Estate Broker
PRC License # 0013076
HLURB License# 002220

—————————————————————————————————-
Note: Si Ralf Roger Tagao ay isang Accountant, Licensed Real Estate Broker leading around 20 real estate agents, at Social Media Influencer with more than 5 thousand Youtube Subscribers/Followers, & 130+ videos about real estate tips for 1st time homebuyers, real estate projects & other self-help topics.

#readyforoccupancy
#houseandlotforsalebulacan
#renttoown

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.

3 Types of House Financing

3 Types of House Financing

 

 

1.) Pag-IBIG Financing
2.) Bank Financing
3.) In-House Financing

Sa video na ito, idiniscuss ko ang comparison ng three (3) types of financing based sa:
~~Loan Term
~~Downpayment required
~~Interest rates

Send me a message kung meron kyong questions or you can contact me at
Sun 0922.879.7968
TM 0926.882.7912 (viber)
Skype ralftagao2014
FB: https://www.facebook.com/ralfroger.tagao

Regards,

Ralf Roger Tagao
CPA/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.

Actual Site of Sonoma Residences Sta Maria Bulacan

Actual Site of Sonoma Residences Sta Maria Bulacan

 

 

Townhouses for as low as 4K monthly equity and 5K+ monthly thru Pag-Ibig

2 rides from SM North, Trinoma Mall, MRT, LRT (bus via NLEX / tricycle)
2 rides from Divisoria (bus via NLEX / tricycle)
2 rides from Sta. Cruz, Manila (bus via NLEX / tricycle)
2 rides from Monumento, Caloocan (jeepney via NLEX / tricycle)

Para po sa detalye, pwede nyo po i-contact si Mr. Ralf Roger Tagao,
Sun 0922.879.7968
TM 0926.882.7912
Skype ralftagao2014
FB: https://www.facebook.com/ralfroger.tagao

Regards,

Ralf Roger Tagao
CPA/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.

Sample computation thru In House Financing

Sample computation thru In House Financing

 

 

Sa pag-avail ng housing loan, sa mga affordable housing, kadalasan thru Pag-Ibig financing ang option ng buyer dahil sa magaan na terms of payment. Sa mga medium to high end type of housing, usually bank financing ang scheme na ginagamit ng isang buyer. Pero sa mga pagkakataon na kulang ang requirements ng isang Buyer, gaya ng OFW na walang Job Contract, or isang with business na wala namang permits/BIR, or dati ng nag avail ng housing loan thru Pag-Ibig pero naforeclosed, ang last option ay thru In-House Financing. Compare sa Pag-Ibig at Bank Financing, mas mataas ang downpayment ng In-House, mas shorter ang loan terms (max of 10 years) at mas mataas ang interest rate per year.

Sa video ko na ito, ating idinidiscuss ang details ng computation thru In-House Financing.

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 In-House Financing.

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.

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.

Proseso ng Pag-avail ng House and Lot thru Pag-Ibig- Apec Homes

Proseso ng Pag-avail ng House and Lot thru Pag-Ibig- Apec Homes

 

 

Proseso ng Pag-avail ng House and Lot thru Pag-Ibig- Apec Homes

Sa video na ito, akin pong diniscuss ang step by step process sa pag avail ng house and lot thru Pag-IBIG sa APEC homes project mula reservation hanggang sa makalipat ng bahay ang isang Buyer.

I hope na makatulong po itong impormasyon na ito sa inyong pagdidecision sa pagkuha ng gusto nyong house and lot based sa inyong housing need at budget.

Kung may mga katanungan, or naghahanap ka ng affordable na house and lot maari po kyong magcomment, magtext or tumawag sa akin para sa kaukulang detalye.

Si Ralf Roger Tagao po ito, isang trusted Licensed Real Estate Broker, Accountant at Entrepreneur, pwede po natin pag usapan ang details, 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.

Klan ba ang pinakabest time na bumili ng property?

Klan ba ang pinakabest time na bumili ng property?

 

 

Sa pagbili ng property, may mga factors na klangan nating iconsider.

Una dito, ung Purpose ng pagbili ng property. Bibili ka ba ng property para tirhan mo (residential)?or bibili ka ng property para parentahan mo (investment)?

2nd, dpat mong maestablish ung Need mo ng pagpurchase ng property. Ikaw ba ay nangungupahan sa matagal na panahon na? single pero ready to build a family?

3rd, may capacity ka na ba to purchase a property? working or with business at makaqualify kung mag avail ng housing? sa pagkuha ng property, andyan ang Pag-Ibig at Bank para magfinance ng pambayad ng bahay. may corresponding downpayment lng at ung balance ang ipifinance ng Pag-ibig or Bank. Sa mga affordable housing, sa 2 storey townhouses, nasa 5-6K monthly lng amortization at kung ikaw ay may monthly salary ng at least 15K basic, pwede ka na mag-avail.

So once naestablish mo etong tatlong (3) factors na ito, in my opinion, the best time para maginvest sa property ay NOW. Why? ito ay sa 2 reasons.

1st, prices of property continously increases. Sa affordable housing, millions of unit ang backlog sa housing, ang demand. So dahil mataas ang demand, tumataas din ang price ng property. Isang factor pa dito ang inflation, pagtaas ng prices ng mga various commodities, like gasoline, materials, basic needs etc…As a matter of fact, ung binebenta ko na affordable condo nung year 2012 sa halagang 860K, this year 2017 ay nasa 2.1-2.2Million na. Ung mga house and lot na binebenta ko nung 2015, sa halagang 700K, now nasa almost 900K na. So, ang value ng property ay tumataas. Ung property na kaya mong bilhin noon, pwedeng hindi na ngayon or in the coming years.

2nd, location. Alam natin na ang prices ng property sa metro manila ay mataas. So makabili ka ng affordable housing sa nearby provinces ng manila. Pero since ang lupa ay scarce, at ang tao ay dumadami, ang mga project ay patuloy na lumalayo ang location sa metro manila. So the later na bumili ka ng property, the farther na ang mga projects na maging available in the future unless, afford mong bumili ng property na malapit sa metro manila at a higher prices.

I hope this simple video helps.

 

Follow me on Facebook:
https://www.facebook.com/ralftagao/

Kung naghahanap ka ng property to purchase, just pm me or contact me at 0922.879.7968/0926.882.7912.

Regards,

Ralf Roger Tagao
Certified Public Accountant
Licensed Real Estate Broker
Entrepreneur

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.

How To Buy A House? – Step by Step Guide for First Time Home Buyers

How To Buy A House? –  Step by Step Guide for First Time Home Buyers

 

 

Buying your own house is one of the dreams of most of us. But how many of us really know what it takes to buy our own house? For first time home buyers, most do not have the idea about the process of getting a house. Some thought that once they paid the full down-payment, they can already move-in to their unit. Some thought that they just need to pay the monthly amortization, and that’s it, they can just live in the unit they bought. The fact of the matter is, there are certain steps and conditions before the Developer will turnover the house that you bought. I will discuss here in details the guidelines and procedures of the entire buying a house cycle.

Before I go to the step by step process of getting your own house, let me first discuss the method of payments in buying your own house.

METHODS OF PAYMENT

1.) SPOT CASH

This is when the buyer pay the amount of the house in full. If the house is worth P1million, he/she pays the entire P1million less any discount on Spot Cash Payment.  For those who are financially capable, who have a lot of cash, they usually make this method of payment in buying their own property.

2.) FINANCING

When a buyer can afford only to pay the equity or downpayment of the total contract price of the house, the balance of the price will be availed thru financing like Pag-IBIG, Bank or In-House Financing. For example, the house price is P1million and the required downpayment is P100K only, the balance of P900K will be availed as a Housing loan and will be financed by either Pag-IBIG or Bank or In-House Financing.

2.1) PAG-IBIG FINANCING

Pag-IBIG is a government institution that provide housing loan to its qualified members. Developers of housing projects are tied up with Pag-IBIG in the processing of housing loan of certain qualified buyers.  Pag-IBIG is the most used financing for affordable housing project as it offers longer loan term up to 30 years with a competitive interest rates.

2.2) BANK FINANCING

Bank also provides housing loan to a qualified borrower. As compared to Pag-IBIG, Bank offers a maximum loan term of 20 years only. With regards to qualification and requirements, Bank is more strict especially when you have cancelled credit cards or bad financial records.

2.3) IN-HOUSE FINANCING

In-House Financing is not actually a financing in my opinion. Unlike Pag-IBIG or Bank wherein they pay the loan amount in full to the developer, in In-House Financing, the developer will receive the payment from the buyer in installment, the term of the loan. And it is not recommended as compared to Pag-IBIG or Bank, Why?

  • First, the downpayment is usually bigger, ranging from 30%, as compared to Pagibig or Bank at 10-20% only.
  • Second, the loan term is set at a maximum of 5 or 10 years only, thus, bigger monthly amortization.
  • 3rd, the interest rates is more than doubled as compared to Pag-IBIG of Bank. There are developer who charges, 12-17% interest rate as compared to the standard interest rate of 6.5% for Pag-IBIG and Bank.

After covering the method of payments, let us discuss now the step by step process in buying your own house.

 

Step 1. Contact the Seller either the Licensed Real Estate Broker or the Accredited Real Estate Agent

Probably, you’ve stumbled in a website, online advertisement or facebook campaign and you’ve seen a housing project that caught your interest. If the project really got your interest, you then need to contact the seller regarding the details of the project as a first step in your quest for your first home. Please be advised that it is very important to deal only with Licensed Real Estate Brokers and Accredited Agents for you to be assisted well.

 

Step 2. Schedule a site viewing with your Broker/Agent.

To check the property that you are going to buy, it is advisable that you, yourself have seen it, for you to decide whether you want to buy it or not. If you’re outside the country, working abroad, you can delegate a representative, either your parents, siblings or relatives. Please note that there are available free tripping schedule of various developers.

 

Step 3. Choose and Reserve a Unit

Once you have made your decision to invest a house from a particular developer, it is now time to reserve a unit. From the available inventory of the developer, choose the specific unit that you wanted to reserve. Seek assistance with your broker/agent to choose wisely. They can guide you on the block and specific location of the unit based on the site development plan of the project.

After choosing the unit, it’s now time to complete the reservation by submitting your initial requirements i.e. valid ID, payslip/job contract to the site or reservation officer of the developer. You then need to fill up the Buyer’s information sheet, stating your personal details, source of income, etc… You will also sign the Reservation Agreement as evidence of your unit purchase.  Your agent will assist you on this matter. Please note that all your payment should be made to the Cashier or Site Officer In-Charge of reservation only. Agents or Brokers are not allowed to received payments in behalf of the Developer.

 

Step 4. Submission and completion of Requirements

Within 30 days after reservation, you need to submit the requirements needed. The requirements depend on whether you’re getting a housing loan thru Pagibig, bank or in house financing. The requirements also vary if you’re an OFW. Since most of our clients are thru Pagibig Financing, I listed here basic requirements if you’re getting a housing loan thru Pagibig.

Locally Employed

  • MSVS (Membership Status Verification Slip)
  • Certificate of Employment w/ Compensation Original
  • Latest Premium Payments (HDMF – 2 years orig.)
  • Latest 1 month Payslip original
  • Latest Proof of Billing / Cert. of Tenancy / Valid ID
  • Company ID (photocopy)
  • I.D. Pictures 1 x 1 ( 5 pcs )
  • Latest W2 / ITR Clear copy
  • Marriage Certificate/Birth Certificate/Spouse ID (clear copy)
  • Any Govt I.D. (2 valid ID) (clear copy, back to back)
  • Tax Payer’s Identification Card (clear copy)
  • Sketch of Residence Address

Overseas Filipino Worker (OFW)

  • MSVS (Membership Status Verification Slip)
  • Latest/Authenticated Copy of Job Contract
  • Latest Premium Payments (HDMF – 2 years orig.)
  • Latest 1 month Payslip / latest Remittances orig.
  • Proof of Billing / Cert. of Tenancy / Valid ID
  • Latest Passport ( photocopy )
  • I.D. Pictures 1 x 1 ( 5 pcs )
  • NSO Marriage Certificate/Birth Certificate (clear copy)
  • Any Govt I.D. (2 valid ID) (clear copy, back to back)
  • Tax Payer’s Identification Card (clear copy)
  • Sketch of Residence Address
  • Notarized/Consularized Special Power of Attorney (SPA) for authorized representative
  • Valid IDs of authorized representative

 

Step 5. Paying your Monthly Downpayment

The due date of your first monthly downpayment is usually 30 days after the date of reservation. There are instances wherein the due date can be adjusted depending on the Developer’s policy. Based on what is stated on the reservation agreement, you need to pay the downpayment on a specific terms like 12 months, 18 months, 24 months etc..

Most of the housing projects that you can avail are pre-selling stage, meaning, the house is for construction, not yet ready for occupancy. The advantage of this is that, the downpayment is stretch to an average of 12-24 months to pay, so it gives the buyer flexible payment terms that suits his/her budget. In contrast, ready-for-occupancy units (which is very rare and usually have if there are reopen/cancelled accounts), have shorter downpayment terms.

Once you have completed paying the downpayment and the house is already 100% constructed, your documents are now ready of housing loan process.

 

Step 6. Loan Processing

Loan processing is being done after paying the full downpayment/Equity and the house is already built by the Developer. It may take 3-6 months (batch processing) to process the loan either thru Pagibig or Bank financing. Typically, in a housing project, it is process by batch in Pag-IBIG so the processing time is quite longer as compared to individual loan application which will take less than a month.

 

Step 7. Loan Take Out

Once your loan is approved and taken-out . Developer will inform you of loan take-out and guide you on the next steps. The date of your first monthly amortization, is one (1) month after the release of your loan.

Just for clarification, I have received some comments that they thought, the loan will be given to them by Pagibig or bank. It is not that way, the Bank or Pagibig will pay the Developer (seller of the house) and you as a borrower, will start to pay the Bank or Pagibig thru monthly amortization 30 days after loan take out.

Please note also that the first 2 years of your monthly amortization if thru Pag-IBIG will be paid first to the Developer thru Postdated Checks. This is an agreement between Pag-IBIG and Developer for Buy Back Guarantee (for cases where buyer defaulted to make payments within 2 years)

 

Step 8. House Inspection

After the housing loan was released, you will now be scheduled for house inspection which we often called as “Punchlisting”. You will be checking your unit together with the engineering department.

If there are minor repairs or retouch , another re-inspection date will be set until house is acceptable. If all is well then to your unit, the key will then be turnover to you.

 

Step 9. Move-In/House Turnover

After accepting the unit, you are now ready to move-in. But wait, you are still bound to pay move-in fees, that cover, applications and deposits for electricity, water, lighting’s, garbage fee, association dues etc.

After that, you’re now totally ready for Move-in. Congrats to your own new Home.

 

I hope that this simple step by step guide help you understand fully the process of acquiring your first home.

 

All the best and More Power!

 

Regards,

Ralf Roger C. Tagao
CPA
Licensed Real Estate Broker

 

 

 

 

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.

Affordable Single Attached at Sonoma Residences Sta Maria Bulacan

Affordable Single Attached at Sonoma Residences Sta Maria Bulacan

 

Sonoma Residences is a subdivision project located in Brgy Sta Cruz, Sta Maria Bulacan. It is one of the projects of New Apec Development Corporation in the province of Bulacan. New Apec is known for constructing affordable houses that can be availed thru Pag-IBIG or In-House Financing.

 

 

One of the house type that is being offered at Sonoma Residences is the Single Attached Model.  It is a 2 Storey single attached with three (3) bedrooms and two (2) bathrooms. It has an average lot area of 76.5sqm and floor area of 60.5sqm.

single attached Sonoma

Here is the sample computation of Single Attached thru Pag-IBIG financing.

 

2 storey Single Attached
3 Bedroom, 2 Bathroom
Lot area: 76.5sqm
Floor area: 60.5sqm

Sample computation thru Pag-IBIG

Net Contract Price: P1,860,586
Reservation Fee: 20,000
Equity: P590,586
Monthly Equity in 36 months: P16,405.17/month

Loanable amount: P1,250,000
Monthly Amortization:

30 years – 8,969/month

Required basic salary: 26K/month

 

Note: Prices are subject to change without prior notice

 

ACCESSIBILITY

Sonoma Residences is located in Brgy Sta Cruz Sta Maria Bulacan. It is very accessible to metro manila via nlex or macarthur highway. The site is only one (1) bus ride going to Cubao/Divisoria/Sta Cruz Manila and a tricycle going to Brgy Sta Cruz. If you’re coming from manila or cubao, the landmark is Waltermart Sta Maria. There are tricycle todas there in Waltermart that goes to Sonoma Residences.

 

sonoma-location-map

 

Housing Specifications
• Long Span Colored Roof
• Steel Roof Framings
• Tiled Bathroom
• Steel Casement Windows
• Complete Toilet & Bath
• Complete Electrical Wiring and Fixtures
• Complete Water/Plumbing Pipes & Fixtures

Amenities
• Entrance Gate with Guardhouse
• Multi-Purpose Hall
• Playground
• Basketball Court
• Centralized Water Supply
• Concrete Roads, Curbs and Gutters
• Underground Drainage System

Basic requirements:

For Locally employed:

  • COEC Certificate of Employment
  • recent 3 months latest payslip
  • marriage certificate for married or birth certificate for single
  • 2 valid IDs
  • Proof of billing
  • Pag-IBIG member with at least 24 months contribution

For OFW:

  • copy of Job Contract
  • copy of passport
  • remittance slip
  • marriage certificate for married or birth certificate for single
  • 2 valid IDs
  • Proof of billing
  • Pag-IBIG member with at least 24 months contribution

 

If you’re interested to check this project, you can contact Mr. Ralf Roger Tagao at 0922 879 7968/0926 882 7912.

Thank you very much and we’ll be glad to meet you soon. Godbless!

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.

1 2