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sis rainmirage02, ganyan din nangyari sa amin. yung lahat ng request namin di nagrant, yung insulator lang talaga nilaban ko hahaha as in nagwawala kami sa email at pati sa office nila. yung septic tank namin dapat ipapa cement ko na kasi diba parang dram na malaki lang. pero wala din super arte nila at takot yung contractor namin na gumalaw ng walang go signal ng camella. itry mo baka mahilot sa contractor para matulungan ka din nilang magpa approve sa camella.
Hi mga sis. FYI. May taga PAG-IBIG dito sa office kahapon, invited for a short talk. One of the requirements for the housing loan is a clean title. I think this is the reason why housing loan thru PAG-IBIG is discouraged by Camella. Usually ata hindi pa divided ang lots during pre-selling and up to now din kasi mother title pa lang available sa amin sa Montego so talagang not qualified to apply for PAG-IBIG housing loan.
i am not sure pero sabi din ng iba, mababa daw mag-appraise ang pag-ibig kaya hence the preference of developers to work with banks. anyways, even though its too early, i already asked our account officer to submit loan requirements sa banks. in less than a week, i already got an approval from BDO. ang bilis nila! i am still waiting for approval of other banks (hopefully) pra may options. ano-ano yung mga dapat namin i-consider in selecting banks? any recommendation sa fixing period? thanks!
May fixed rate din sila for 10 and 15 yearsyears. There are banks who offer option to change the fixing term even without completion of the original fixingfixing term. Example you opt for 5 yrs fixed term for the interest and on the third year you opt to change it to yearly or 2 yrs or 3yrs, they will allow you to do so subject to approval and with a fee. Sadly, RCBC doesn't offer this. What they are offering is, once you finished your original interest term instead of yearly reprising, you can request for another fixed term. In our case, under kami sa 5yrs fixed interest term at term of loan is 10yrs, completed 2 yrs of amortization and made a lumpsum payment on principal. Gusto sana namin magrequest to change the interest term para magkaron ng recomputation including the MRI at to shorten the term of the loan but sadly hindi daw pwede unless completed ang 5 yrs. I suggest don't go for term longer than 5yrs since pwd naman kayo magrequest uli ng another fixed term kung sakali otherwise lahat halos ng amortization nyo will go to interest since the longer ang fixed term the higher the interest rate. Saka interest on loans is dependent on inflation, kapag mataas inflation mababa ang interest rate so I doubt kung after two or three years ay tataas ang interest rate.
May fixed rate din sila for 10 and 15 yearsyears. There are banks who offer option to change the fixing term even without completion of the original fixing term. Example you opt for 5 yrs fixed term for the interest and on the third year you want to change it to yearly or 2 yrs or 3yrs, they will allow you to do so subject to approval and with a fee. Sadly, RCBC doesn't offer this. What they are offering is, once you finished your original interest term instead of yearly repricing, you can request for another fixed term. In our case, under kami sa 5yrs fixed interest term at term of loan is 10yrs, we had completed 2 yrs of amortization and made a lumpsum payment on principal. Gusto sana namin magrequest to change the interest term instead of fixed 5 years para magkaron ng recomputation including the MRI at to shorten the term of the loan but sadly hindi daw pwede unless completed ang 5 yrs. I suggest don't go for a fixed interest term longer than 5yrs since pwd naman kayo magrequest uli ng another fixed term kung sakali otherwise lahat halos ng amortization nyo will go to interest since the longer ang fixed term the higher the interest rate. Saka interest on loans is dependent on inflation, kapag mataas inflation mababa ang interest rate so I doubt kung after two or three years ay tataas ang interest rate.
After a year, nakita ko ulit ang montego! dami ng house ah. true ba na 5-6 months ang construction? Yung house namin mag start pa lang, may hukay na etc pero wala pa sa semento stage na construction. Is it possible ba na by May e naka move in na kami? Move in na maayos na ang set up?
