^^^ako ata ang sumagot kay sis kiz_me1109 na wala ng seminar sa kabilang thread ; our housing loan application kasi was approved last september 2012, and we got a house and lot na still mortgaged pa sa pagibig,so kami talaga ang nag asikaso ng paper works, hindi ako sure sa process ng application pag developer assisted
in our case kasi, ilang months din ang nasayang kasi akala namin, pag hindi kumpleto ang requirements, hindi pwedeng pumunta sa counter ng housing application procedure, kaya dun muna kami sa inquiry section nagtatanong, pero unfortunately, hindi accurate yung sinasabi nila. yun pala, pwede pumunta directly dun sa counter at sila ang makakapag advise sa yo ng tamang procedure at requirements based on your type of application. pero you can prepare na din some of requirements kung available na rin (you can see the list on their website), hindi naman nila itutuloy ang procedure kung kulang based on their given checklist, talagang magpapabalik balik ka pag di kumpleto
after you completed the requirements, they will schedule the date of inspection for appraisal of the property, since hindi naman brand new ang inapply namin, layout lang ng bahay ang pinrovide namin. I think hindi sila mahigpit sa layout, kahit simpleng drawing lang ng bahay,basta malinaw ang dimensions at naiintindihan ng mag aappraise
Then after that, just wait for info from paigibig for the Notice of Approval, dito mo na malalaman ang granted amount of loan. In our case, hindi namin iniexpect na mejo malaki ang appraisal amount, so we requested na mas lakihan pa ang applied amount of loan, so another 2 weeks of waiting time again to prepare the revised NOA. We also prepare another deed of conditional sale pala, kasi dapat mas malaki ang amount of loan or same amount indicated sa deed of conditional sale kesa sa applied amount of loan. Once you received the NOA, magbibigay sila ng checklist for the requirements again para sa processing na ng payment of loan, dito na nila hihingin ang notarized deed of sale, TCT transferred on your name, BIR forms at mga documents na binigay nila for notarization, once completed, wait again for their text or call for the pick up of check.
Ang nagpapatagal talaga ng process eh ang pag asikaso sa mga government agencies like BIR at register of deeds. Sa amin mas tumagal ang pag asikaso, since naka mortgaged pa sa pagibig yung property, sa pagibig mo rin kukunin ang TCT before you can proceed sa RD, kelangan mong magpabalik balik para sa schedule nila
