Hi mga sis! pasali sa topic...
ask ko lang, kasi ngayonn lang din talaga ako naging interested sa Pagibig. may plan na kasi kami ni bf na magkaron ng house. Madami kasi nagsasabing di daw maganda na bumili ng house and lot, yung constructed na, di daw maganda yung materials na ginagamit dun sa house, mas advisable daw yung bumili ka na lang ng lupa then kayo na lang magpagawa ng house. a friend of mine told me na mas maganda ngayon ang program ng Pagibig for housing loan, beginning July 2012. Kung dati you have to pay off the lot then avail of Pagibig loan for the contruction of the house, ngayon daw pwede ng combined, so hindi kailangan na paid in full ang lot, pwede ng magloan ka for the price of the lot and kung magkano ang gagastusin sa pagpapagawa ng bahay. Feeling ko lang madugong processing of papers ito... Meron na ba naka avail sa inyo nyan?
Copy/paste ko yung nabasa ko sa Pagibig page ha... kasi kung ganyan, maganda talaga. mas namamaximize mo yung pinaghihirapan mong pera.
HOUSING LOAN AVAILMENT
This housing loan program grants opportunities to Pag-IBIG Fund members to avail of housing loans to finance any one or a combination of the following:
1. Purchase of a fully developed lot not exceeding 1,000 square meters, which should be within a residential area;
2. Purchase of a residential house and lot, townhouse or condominium unit, inclusive of a parking slot, which may be:
* Old or brand new;
* A property mortgaged with the Fund; or
* An acquired asset, which is disposed of through sealed public bidding, negotiated sale, the Rent- to-Own Program, or the “Magaang Pabahay, Disenteng Buhay” Program.
3. Construction or completion of a residential unit on a lot owned by the member;
4. Home improvement, i.e. any alteration in an existing residential unit intended by a homeowner to be a permanent integral part thereof, which will enhance its durability and material value;
5. Refinancing of an existing mortgage with an institution acceptable to the Fund, provided that:
The loan is not in default within 12 months prior to the date of application;
The said loan has a repayment history of at least two (2) years with the original mortgagee
6. Combination of loan purposes, which shall be limited to the following:
* Purchase of a fully developed lot not exceeding 1,000 square meters and construction of a residential unit thereon;
* Purchase of a residential unit, whether old or new, with home improvement;
* Refinancing of an existing mortgage with home improvement;
* Refinancing of an existing mortgage, specifically a lot loan, with construction of a residential unit thereon.
yung 6.1 yung tinutukoy ko... and ask ko lang din, ano ba yung dapat namin gawin... as in yung first step if we want to take advantage of Pagibig Housing loan.
