Getting a Housing Loan (Thread 3)

[elfie]

Mga sis, sino po nakapag housing loan na sa BPI? Totoo bang 2 weeks lang ang approval? tia!

If applying for a loan for an accredited project, it can even take less than 1 work week.

[angellouise06]

sis j_in_tokyo, yung husband ko ofw. nagpasa kami ng consularized COE, payslip and yung contract. nanghingi din yung bank ng copy ng passport nya na may exit & entry ng visa nya. yung kinuha namin 5 year kasi may mga case na bigla na lang tumataas yung rate after a year. try mo magpass sa ibang banks para may comparison ka, in our case pinaka maganda ang offer ng chinabank savings.

[crzysxycl]

^^wow, ganun kabilis.. thanks sis! akala ko kasi ini-stir lang ako nung kausap ko sa bpi eh hehe.. thanks!

[elfie]

^^wow, ganun kabilis.. thanks sis! akala ko kasi ini-stir lang ako nung kausap ko sa bpi eh hehe.. thanks!

yup, relatively efficient ang BPI.
di hamak na mas mabilis kaysa sa Metrobank, which took around 1 month.

[j_in_tokyo]

sis j_in_tokyo, yung husband ko ofw. nagpasa kami ng consularized COE, payslip and yung contract. nanghingi din yung bank ng copy ng passport nya na may exit & entry ng visa nya. yung kinuha namin 5 year kasi may mga case na bigla na lang tumataas yung rate after a year. try mo magpass sa ibang banks para may comparison ka, in our case pinaka maganda ang offer ng chinabank savings.

Thanks sis, so consularized COE at contract ang kailangan.
ikaw ba ang SPA nya sa Pinas?

[Joanalpny]

Hello everyone. Hoping you could help me. I'm planning na kasi to resign sa work. However, gusto ko din sana mag housing loan, either sa SSS or Pagibig.  Meron kaming lot ni hubby and plan namin mag housing loan construction para mapatayuan ng bahay yung lot. Si hubby may work pero sa akin kasi nakapanagalan yung lot kaya dapat ata ako ang mag file ng loan for it. Papayagan kaya nila ako mag loan pag wala na akong work? Bale individual contributor nalang ako.

[angellouise06]

Thanks sis, so consularized COE at contract ang kailangan.
ikaw ba ang SPA nya sa Pinas?

yes sis.

[annajoy]

subscribing!

torn ako between UCPB and PSbank
mas mababa interest rate ni UCPB pero may rebate naman k Psbank
tapos compare ko muna yung mga charges nila kung anung mas mura

ask ko lang by September kasi yung turn over samin nung property kelan ba kami dapat magapply ng loan?

TIA

[elfie]

subscribing!

torn ako between UCPB and PSbank
mas mababa interest rate ni UCPB pero may rebate naman k Psbank
tapos compare ko muna yung mga charges nila kung anung mas mura

ask ko lang by September kasi yung turn over samin nung property kelan ba kami dapat magapply ng loan?

TIA

You can apply up to 6 months before turnover date. Less stress and hassle kapag mas maaga kasi hindi ka maghahabol ng requirements.

[annajoy]

^thanks sis elfie!
nalito kasi ako sabi nung kumare ko na taga UCPB kapag naka pangalan na daw samin yung property dun pa lang pwede magapply ng loan...
sabi naman nung agent namin mamili na daw kami ng bank asap tapos sila na bahala makipagusap sa bank, akala ko kami magaasikaso tapos once approved na dun palang papasok si developer kay bank...

mejo nalilito na ako need ko magback read 

[bluish_mommy]

^baka sinasabi ng kumare mo, the bank will not release you the loan unless the title has been transferred to your name.

[binggay]

Question, sisses. We already have a house and lot in our name. We are planning to take out a loan for a home extension, kasi we need additional rooms for our kids.

Pag ganun ba, home construction loan pa rin? Ang money ba will be give to us one-time, or in installments din?

[ceejhei]

patanong din po, we are acquiring a townhouse, and ang tie-up bank ng developer is PSbank. okay ako with PSbank kaso shall i leave the process to the developer? or kami nalang ng husband ko ang mag apply? or pareho lang din sila kaya ng i-ooffer samin na interest rate?

[sweet angel]

If applying for a loan for an accredited project, it can even take less than 1 work week.

sis, ilang percent ngayon ang rate ng housing loan ng BPI?
thanks.

[muntingprinsipe]

Hi po,

Tanong ko lang po, I'm planning kasi to apply for a housing loan sana.
Ang problema ko lang is bago pa lang ako sa present company ko, 4 months to be exact, kakalipat ko lang kasi.
Although, 5 years na ako nagwowork and continues naman yun.
I'm a software developer and earning a gross salary of 75k.

Ang question ko lang po, sa situation ko, is it possible na ma approve ako?

Salamat

[momlory]

sa mga may loan  sa inyo like 5  years term loan tapos fixed interest every 1 year.

Diba pwede magbayad ng lumpsum ng 6 months monthly advance every anniversary date? May recomputation fee po ba pag ganun?


thanks sa sasagot.

[j.adore]

Pwede naman but your bank would know best about recomputation fees. Wala pa ako narinig na free pag ganun. Lagi may bayad pag di na sunod yung original plan.

[mizzybebz]

na-approve na housing loan namin with PSBank. Punta kami later to pay for the bank charges and sign for the loan documents. Nabigla kami dun sa mga fees na babayaran, hindi namin inexpect na ganun. Buti na lang may natabi kami extra money.

repricing yung kinuha naming loan term, 5.5% yung interest rate this year.

[bluish_mommy]

^kailangan talaga may extra money para sa pagpapa-transfer ng title and other charges.

[phurple0515]

mga sis, if let's say OFW (permanent employee sa IT company) ang kukuha ng housing loan sa bank, madali kaya ma-approve?  complete na ang documents, etc.

sino ang i-c-CI non? yong nakalagay sa SPA?