ShareThisHow To Check If You Are Qualified For A Pag-IBIG Housing Loan
“Am I qualified for a Housing Loan?”
This is a recurring question which appears on this website as comments under different articles with different topics. This article is intended to address that question once and for all and also show you some useful tips.
You can actually personally determine if you are eligible for a housing loan based on the following:
- Your Pag-IBIG Membership
- Your Age
- Your Capacity To Pay
- Other Pag-IBIG Loans
We’ll try to elaborate each one on the succeeding paragraphs.
Your Pag-IBIG Membership Status
You need to remember the following basic requirements for Pag-IBIG Fund Members.
- You must be an active Pag-IBIG member for at least 2 years and has contributed a minimum of 24 monthly contributions.
- Both the principal borrowers are subject to the above mentioned requirement.
- Up to three Pag-IBIG Members may avail of a single housing loan (same collateral) provided they are related within the second civil degree of consanguinity.
Question: Can I pay 24 months one-time and then avail of the Pag-IBIG Home loan immediately?
Answer: Not anymore, the new Pag-IBIG Law of 2009 has changed the rule. But, you may still pay 24-months one time (Pag-IBIG will be more than happy to accept it) and wait for another 24 months to apply. (Other branches will allow you to wait for just 12 months.)
Pag-IBIG Financing Tips on Membership:
- To re-activate your Pag-IBIG Membership is very simple: just pay for the monthly contribution.
- If you have been moving from one company to another, always make sure that you consolidate your Pag-IBIG contributions past and present. You can do this by requesting it from the Pag-IBIG Office.
- Don’t be in a hurry to get a housing loan. You need to establish a good record so that your application will be easier by the time you do it.
- Read the article entitled “Why This Question Is Wrong: ‘Can I Pay The Whole 24 Months Contribution One-Time So That I Can Avail of the Housing Loan?’“
For the complete list of document requirements, please check this article.
Your Age
- You must not be more than 65 years old at the time of loan application.
- You must not be more than 70 years old at the date of maturity.
- You must be insurable.
Advanced age really is a hindrance to getting a housing loan. And take note that this is true whether you are using Pag-IBIG or any Bank.
Pag-IBIG Financing Tip: If you can afford it, apply for a housing at a young age.
Your Capacity To Pay
As a general rule, your monthly amortization should not exceed one-third of your gross income. This is the rule used by many financial institutions when qualifying a loan applicant.
But when it comes to Pag-IBIG Financing, your monthly amortization (principal + interest) should not be more than 40% of your Net Disposable Income.
Actually, there is a table that you can use to determine much loan amount you can get given your income, contributions and loan term. To see the Table, please refer to the article on “How Your Income And Contributions Affect Your Housing Loan Entitlement”.
Pag-IBIG Financing Tips:
- Have your finances in order by saving enough for the Down Payment (or Equity).
- You need to show some proof of income. Prepare the following documents: Pay Slips, Income Statements, Employment Contract (with indicated salary).
- Learn about the 5′s of Credit
- If your income is insufficient, you may take on a relative (within the second civil degree of consanguinity) or your spouse and tack-in your contributions then apply for a housing loan.
Other Pag-IBIG Loans
- You are only allowed one Housing Loan at a time. If you want to take another one, you have to pay your existing loan.
- If you have previously availed of the housing loan, make sure that it was not foreclosed, cancelled, bought back, or subjected to dacion en pago.
- If you have an outstanding Multi-Purpose Loan, your payments must be updated and it must not be in arrears at the time of application.
It is important that you take note of the information presented here before you apply for a housing loan from Pag-IBIG.
And if you are disqualified for some reasons, please remember that Pag-IBIG is not the only Home Financing option available. Or, you may want to try applying again in the future. Your loan application may be approved by that time.
~~
“How To Check If You Are Qualified For A Pag-IBIG Housing Loan” is written by Carlos Velasco.
Tags : dacion en pago, Membership, Pag-IBIG Loan, Pag-IBIG Membership
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Hi,
We would like to apply a loan for a lot that we wanted to get. But the thing is I am currently in Canada and wanting to apply for a loan so we could take advantage of the current promotion the lot agent offers.
Is it possible po ba to apply a loan even if the member is currently abroad? What requirements do I need? How can I apply?
Thanks and I appreciate your prompt response.
Is the % of the amount loaned calculated per annum or it’s a monthly amortization (i.e. 2M = 10.5%)? ~ Arlon of DSFH
I just want to ask coz my husband used to have apply for a rent to own program of yours..we already leave the place since its to far from our work..we didnt inform ur good office we just stop paying the monthly bills..but we already vacant the said place.would he be able get a housing loan bec were spotting a house in antipolo??? thanks
just want to ask coz my husband used to have apply for a rent to own program of yours..we already leave the place since its to far from our work..we didnt inform ur good office we just stop paying the monthly bills..but we already vacant the said place.would he be able get a housing loan bec were spotting a house in antipolo??? thanks
Sir/ Madam I’m OFW and member of Pag-Ibig for 7 years, now, i want to
purchase a vacant lot, and this vacant lot, the location is in the province like nueva ecija, can i apply for Pab-Ibig loan, to purchase this vacant lot, even its in the province? I’m am qualified? for the loan, please give me some advise.
good day sir and mam,
i worker as a seaman,i have pay my contribution but im not sure if i completed 24 mos i still dont to know what is the entire amount,i want to purchase a house in lot,if i contribute less 24 mos, then i will complete the 24 mos this mos do i have to wait until 2 years to avail a housing laon,please give advise…
good day po.tanong ko lng po,seaferrer po ang husband ko,pag ibig member po seens july2008,nag advance po kami ng hulog ng 2yr for only 200 for a month,tpos po nkalimutan ko po hulugan un pang july2010 up to dec2010,ginawa ko po hinulugan ko n lng ulit ung jan 2011 to may2011,ok lng po b un ginawa ko,at ok po ba un para pwede sy mkapaghousing loan pagdating ny this july2011,balak po kasi nmin magloan for the prize of 1.3m to 1.5m, kung hundi nmn po sy pwede ng gnung amount n iloan,ano po b ang dapat nmin gawin para mkapagloan po sy ng gnung halaga?…..i hope n may sagot po kayo sa mga question ko.thank u po and God bless…..
halo po,,
pede po bang bagohin ang monthly contribution ko..anu po ang gagawin.
I’m currently working in Saudi. And i plan to get a housing loan during my vacation. I have every requirements i believed except for one thing – the name in the lot title is not me.
Am i still entitle for the housing loan?
Please advise. Thanks.
gud day po tnung k lng po kung pwede k byaran ng buo ung naloan k kc po hnd k po nahuhulugan ng bayad since nung 2008 halagang 4000 pesos po ung loan k n un ska pwede k dn po ba bayaran ung hulog k s pag ibig simula nung 2008 tpos kung pwede po ulit me mgloan pambili ng bahay andito po kc me ngyn s saudi.
Good Day po to the Pagibig officials,pwede po ba mag HOUSING LOAN dating member ng pagibig? fr:1997 to 2005. Fr. 2006 til now hindi napo ako nakapaghulog sa pagibig,but i have work till now? kindly explain to me YES or NOT? Thank you very much…. God Bless po…..
Good day..
Recently po i am working here in Saudi Arabia at balak ko pong mag loan pag uwi ko ng pinas ano po bang mga requirements pwede kung prepare para mapadali ang proseso ng aking housing loan please reply me at my email address… thanks and regards Rodelio S. Arzadon
hi admin,
8 yrs napo akong member ng pag ibig,ask ko lang po kung pwede n akong magfile ng housing loan habang nandito pako abroad(Dubai)para po pagbakasyon ko jan sa pinas this coming november aprove na loan ko may nakita napo akong bahay thru sulit.com then kausap ko na po ang seller.pls i need help thanks.
have a good day po,nag apply po ako ng housing loan last dec.2008 and iam working that time,now that im not working and the down payment already done(fully paid) until now hindi p dn naumpisahan construction ng bahay at kaialngan dw po employed pra s contribution.paano po b dapat ko gawin kc ang tagal na.kung mag back out po b ako amkukuha ko ung total d/p ko.
gud day ask q lang po yung loan q last 2005 pa as of now nd q pa nbayaran magkano n po ba ang interest at pwde po ba ng installment o 1 tym payment plz reply at my email add tnx
@malou:
As for your down payment, it is still covered by the policies of the developer, so you may coordinate with them.
As for your loan, on of the most important requirements when applying for a home loan is the proof of income. And this usually means your employment or business status.
@Len:
Yes, it’s possible and your agent should be able to assist you on this. First thing is, you need to be an active member. Secondly, you or your representative shoudld attend the loan seminar. From there you can apply for a loan and then wait for the approval.
@Arlon:
Good question. I’ll be writing another article on this one because it’s really better explained in details with figures.
@josephine:
Yes, because that was just a rental agreement you had with Pag-IBIG. It should not affect your loan application at all.
@Ralph:
Yes, as long as that lot is considered residential. The best thing that you can do is to attend the Housing Loan Seminar.
@ronald:
I think paying the 24 months will post that much of a problem for you. The waiting period could take only about 12 months. But please inquire this at the Pag-IBIG Branch wher you are applying for a home loan.
Regarding your other question on changing your contributions, you may also do that anytime.
@aileen:
He needs to be an active member. As for the loan amount, please check on this article.
http://www.pagibigfinancing.com/articles/2011/how-your-income-and-contributions-affect-your-housing-loan-entitlement/
@Eric:
Yes, you can simply execute a contract of sale for the said lot.
@jojo:
Please check first the status of that loan. I believe it’s a multi-purpose loan and maybe part of your overall TAV is being taken
to pay for your dues.
@Rey:
YES… You just need to reactivate your membership.
@Rodelio:
Please check this article
http://www.pagibigfinancing.com/articles/2010/pag-ibig-housing-loan-requirements/
@Ricardo:
Please check that one at the Pag-IBIG Office.
hello! i’m more than 9 yrs pag-ibig member.i’m planning 2 avail housing loan…pwd b mag-apply housing loan khit ng wlang pirma ang asawa ko kc separated na kmi?
hello po, 3yers n po akng OFW d2 s UAE, last yer ngbakasyon ako at pgblik ko august 2010 ksama na s byad ng exit pass ung s pag ibig. tanong ko lng automatic member n po ba ako?o i still need to pay it every month?tnx
Good day! tanong ko lang po kung pwede na akong magavail ng housing loan, almost 2 years n po akong nghuhulog. kaso putol putol po yung hulog ko. ngayon po nka 1 year n akong tuloy tuloy ang hulog. pwede n po ba akong magavail ng housing loan?
Hi ma`am & sir,good afternoon.Iam “ELANIE G.HIROSE” marraiage.My family here in japan & iam 30 year`s old.Iam planning to get a housing loan from pag-ibig sir & ma`am.But the problem is no time to visit there in philippines to go pag-ibig office bcoz of my family here sir & ma`am…If i have a chance sir n ma`am can you help me? Bcoz iam not a member yet as of now…
hi i would like to inquire if possible to apply loan for renovation,but the lot is not in my name but on my parents name
@Elaine:
One of the ways you can be a member is to have your representative do it for you. You may have to execute a Special Power of Attorney.
@jed:
You may want to use an MPL Loan for that. It’s simpler and will not require a lot of documents.
@venus:
For married people, the signature of the husband is really necessary for the loan to be released and for the title to be registered.
Gud day po sir/mam ask ko lang po ulit 8 yrs napo akong member ng pag ibig and presently nasa akin po ang passbook ng pag ibig ko,ask ko lang po kung pwede n akong magfile ng housing loan habang nandito pako abroad(Dubai)para po pagbakasyon ko jan sa pinas this coming november ay maaprove na loan ko may nakita napo akong bahay sa cavite thru sulit.com then kausap ko na po ang seller.pls i need help kung ano mga steps na kailangan kong gawin at ano mga requirements?thanks.
good day! i’m planning to loan Php 1.1 M thru pag-ibig probably next year for a condo unit. My current salary is 28k. I’ve already upgraded my monthly contribution to Php 500. Do you think I have a chance to be approved for the said amount of housing loan? Thank you!
by the way, i’m 26 yrs old.
para sa kinaookulan,good day po sa lahat,isa po akong ofw last year july 2010 nag apply ako ng housing loan sa GREEN CIRCLE REALTY/PRO-FRIENDS.through PAG IBIG FUND nabayaran ko na ang equity at nagbabayad n rin ako ng monthly,saan po b ako dapat mag follow up?dahil nagtanong ako sa realty ko ang sabi nila vinevirify p daw ang msvs ko.gaano po b katagal magverify sa pag ibig ng msvs.before p ako nag ofw morethan 10 yrs ako member ng pag ibig,ikinontinue ko n lng d2 sa dubai.3 months na po ang nakaraan hanggang ngayon sinasabi pa rin nila nakaprocess n sa pag ibig.
Hi,
I have been employed by two companies for almost 5 years now. However, I have not accounted how much my total PAGIBIG contributions are already. Is there a way in which I can have this information (e.g., can I get it from my previous and current employers? Or I have to go to a PAGIBIG office?P?
Many thanks!
Dear Sir/Ma’am,
I am a Pag-IBIG member from 1995 to mid of 2005 using my name Donald A. Villanueva. I continue again my contribution from 2009 August up to present. My question is, Is there any problem if my first name that I used before is Donald and I am using now Donaldo? I am OFW here in Saudi Arabia. If there is, Please advice me what I have to do. Kindly reply on my email.
Thank you very much.
Mas maganda pa rin kung pupuntahan ang pagibig office near your place for all the infos you need. It was my first time to go there last week sa Makati branch for membership verification and supposed loan. All my questions answered. Staffs were polite and accomodating. May pila pero mabilis naman. For OFW’s, go to 6th floor.
can my husband and i apply for separate housing loans, different properties? thanks
@sye:
Yes!
@del:
You are definitely right on that one. Please do it if you have the time. And better prepare your questions.
@Donaldo:
You need to execute and affidavit verifying that those names are under the same person.
@maymoy25:
YOu may want to have your contributions consolidated. Please request it personally at the office.
@genie:
Please refer to this article
http://www.pagibigfinancing.com/articles/2011/how-your-income-and-contributions-affect-your-housing-loan-entitlement/
gud day po!gus2 ko lng po i ask kung pwd p ko mgloan uli ng housing loan kht n d ko n nhulugan ung house n nkuha ko mga 3years ago n po.now im here working in saudi arabia.ano po b dpat kong gwin since i change my status as ofw in ur office tnx!
Hi gud day po!when i work in phils locally nakakuha po ako ng house s lguna thru pagibig pero hndi ko po nsustained ang pghuhulog d2 monthly hanggang s mforeclose.ngaun po nand2 me s ksa at ngpmember po uli s pgibig as ofw may chance p po b n mkavail ako uli ng housing loan at ano po ang gagawin ko? Mgkaiba po b ang pagibig locally at ofw status?
I applied a housing loan in Las Palmas before i tooked the bare type then i decided to change it to semi complete with 1 bed room then the developer told me that my DP will increase because my loanable amount will decrease but it is ok for me i pay my DP in monthly basis in 6months. Now i ask them that i want to move-in to house i bought then they told me that my papers will submit in window 2 and to enable to process it i need to pay my full DP it will increase again because of the same reason, my loanable amount will decrease. My question is, is it possible that my loanable amount is decreasing? if yes, what is the reasons why it is decreasing? Please i need your help on this matter.
thank you very much
sirs… paano kung dalawa kami uutang ni mrs? pwedeng dalawang less than 1M na loan? for a 1.5M combined loan… para less interest? we’re both paying members naman.
gd day po! I was just employed December of 2009 in a government agency but then employed in a private company on December 2007-December 2008. I would just want to know if I am qualified to apply for a housing loan and how much?… tnx po.
GUD PM PO! ASK KO LANG PO NAWALA PO KASI UNG PAG IBIG NUMBER NG MR. KO SAAN PO SIYA PWEDENG PUMUNTANG OFFICE …
Good day! po, My name is jennifer and I am a member of pag-ibig since 2007.I am usually a contractual worker and I keep on updating my contribution by merging them into my latest jobs. I just want to ask if it is possible for me to avail the housing loan eventhough i just end my contract? kahit na po babayaran nalang po namin ng papa ko monthly besides he has a stable job. he is now 53 years old. Thanks.. hope to hear u soon..
good day po. ngbabayad na po kami ng asawa ko ng downpayment para sa 2 unit ng bahay, worth 600k++ each. initially po, bank financing ang inaapply namin. kung sa pag-ibig po ba pwede po ba kami magloan ng 2 unit?
@Reniel:
I’m putting this answer on top of everyone else because, that’s a good question you have. Take note that when you apply for a loan, the lender (Pag-IBIG Fund in this case) will:
@oyie:
That’s also possible. If each of you is qualified, then no problem.
@jennifer:
When applying for a loan, it is very important that you can convince them of your capacity to pay. That usually means, a steady source of income that is documented.
@tess:
YOu can request it from any Pag-IBIG Branch.
@elma:
Please re-read the article to check if you are qualified for a loan.
@parsimony101:
Yes, you can combine as one and then apply for a single loan.
@dindo:
Sorry but Pag-IBIG doesn’t grant a housing loan anymore to those who have a history of foreclosure.
@edgar:
you have to personally do it at the Pag-IBIG office.
Hi,
I’m currently working abroad. I want to avail a housing loan, pra mapatayuan ko n ng bahay ung lupa n nabili ko na. since gusto ko po i-avail as much as possible ung mataas n loanable amount pwede po bang ang gwin kong co-borrower e ung tita ko. Ung asawa ko po kse presently is not working.
thanks!
gud day po sa inyong lahat,isa po akong seaman tanong ko lang po kung paano ang tamang gawin upang makapag loan po ako ng mas mabilis. may sarili na po akong lupa at nais ko na pong magka-bahay. sana po ay matulungan ninyo ako god bless po sa inyong lahat
hi,ask ko lng po ano ang kaylangan requrement para maka avail ang husband ko ng housing loan ofw po xa kya lng po d active ang knya hulog sa pg ibig kng bayaran na nmn yng 2years gano katagl pa kmi mg inty pra maka avail ng loan tnx. po
@rea:
Please check this link for the requirements :
http://www.pagibigfinancing.com/articles/2010/pag-ibig-housing-loan-requirements/
There are really a lot of factors to consider and just because you applied for a loan doesn’t mean you are guaranteed to get it.
@mervin:
1. you need to be an active member and of good standing.
2. make sure that you have proof of income.
3. attend the loan counselling seminar.
@JP:
The principal and co-borrower have to be any of the following: parent-child, or between siblings, or husband-wife.
Hi, I’ve been in 5 companies already which are from different places in Metro Manila since 2005. Is it possible to get all my contributions record in Pag-ibig Makati office (Atrium), since I just got aware that I should have asked for that with my previous employers? Also, I am not aware of my Pag-ibig fund memebership number or do I really have that? I would like to know all of these since I was not able to continue my contributions for more tham 3 yrs already and would like to reactive it. Please advice. Tnx!
Dear Mr. Admin,
Your site is very helpful!
Do you have any article on properties which used to have legal “issues”. We are buying a property na nagkaroon ng case because the owner used it as a collateral. He already paid for it though and there was already a court decision na naka award na sa kanya uli ang property. By these consequences, meron tatak yung TCT and I heared Pag Ibig does not accept TCT na may nka tatak.
Your inputs and recommended articles to read will be very helpful.
Much thanks and regards,
Rachel
@Lorraine:
You can do it from the Makati Branch and then they should be the one to coordinate it with the other branches. It may take them a while to do this is since there is no centralized databased system in place yet for the whole agency to use.
As for your Pag-IBIG ID Number, it should be given to you together with the Contributions Report that you are requesting. Meanwhile, only your name and the name of the different companies will be needed this time.
@Rachel:
As of now, we don’t have that kind of article yet. Maybe not in the future. We are trying to limit the discussions on this website on the issues revolving around the Pag-IBIG Fund especially those that relate on membership and loans. My suggestion is for you to consult someone who is an expert on that topic.
Sir,
Pwede po ba mag-loan sa pag-ibig for rennovation of my house pero hindi po nakapangalan sa akin ung lupa kundi sa mother ko..
Good day,
Tatanong ko lang po kung gano katagal ang proseso ng multipurpose loan? ano-ano ang mga requirements kapag halimbawa po ba na dati akong may work tapos wala na ngayon siguro almost 1 year ko nang di nahulugan yun makakapag loan pa po ba ako? ano pong mga req? thanks!
@Leo:
That’s possible, but you need to have a permission from your mom, because the land title will be used as collateral.
@jeneth:
Please take note that one of the important requirements in getting a loan is your proof of income. Without it, your qualification will be very slim.
can we collateralize our land title to have financial loan for us to buid a house. is it possible how can we avail?
Hi,
Will it be possible, at any chance, that I can apply for a loan even though I am not yet contributing or 24 months? I’ve been contributing in PAGIBIG for only 1 year.
@jas:
Yes, a collateral is one of the important requirements for a Pag-IBIG housing loan.
@Charles:
The minimum number of contributions is 24 months for you to be able qualified for the Pag-IBIG Housing Loan Program.
hi,
i work as a teacher last year and an active member of pag ibig, now i work as an OFW in abu dhabi, how was the status of my existing pag-ibig contribution now that i am an ofw?
Admin,
Is it possible to apply housing loan or any loan in PAG-ibig eventhough your a new member just last MAY 2011 but already Payed one time (24 months).. thanks!
ask ko lng po paano maging member andito po ako sa canada…wala po kasi ditong pag ibig…sana po matulungan nyo ako..tnx po
ask ko lng po pano po bang mag apply sa pag ibig new lng po ako pero nag wowork na po ako sa U.A.E ng 5years.nais ko lamang po na maka loan ako ng bahay sayang kc ung pinaghirapan ko wla nmn ako sariling bahay sa ngaun ,kya sna po mabigyan nyo po ako ng guide pano maging member sa pag ibig…
hi! ask ko lang po, im planning to purchase a lot worth 380,000. possible po ba na mas mataas ang appraisal ng pagibig kaysa sa seller’s price na 380k? if yes, for example pagibig appraised it for 450,000, are they going to lend me 450,000 instead of 380,000.00?
On the other hand, if pagibig appraised it on a lower amount…lets say 300,000. Does it mean that I have to find another means even if my capacity to pay is capable of 500,000? thanks po!
Jerico: Pag Ibig member na po ako sa Pilipinas simula 2003-2008 pero ngayon po eh OFW nako dito sa Malaysia gusto ko sana mag avail ng Housing loan pwede po ba at upgrade ko nlng po yung Hulog ko
pag ibig member po ang asawa ko ,tapos po nk pag loan po cia nung yr 2000..then lumipat cia ng work still s pilipinas p din po eh nag abroad po ciah,since 2004 OFW N PO CIAH so hinde po nmin alam kung s previous niang work eh nabayaran yung loan nia…tanong ko lng poh ..pano po namin ma process n mabayaran un and makaka avail po bah kami ng housing loan …
hi,
ask ko lng po if pwede akong mag apply ng loan member po ako ng pag ibig mga 2yrs. na po sobra, gagamitin ko po sana yung pera sa pagpatayo ng bahay po, ask ko lng yung mga amount na pwede kong e loan,
salamat po
Hi my client wants to avail a housing loan in Pag-ibig how much po ba yung maximum na pwedeng i loan and is Rockwell project can be loaned through pag ibig. Thank you.
Hope to hear from you soon.
God bless.
Best Regards:
Andrew Andalis
i have a friend n teacher but she resigend last mar, she wants to aplly for salary loan is she entitled kahit wala cyang work now but she is nagrereview for board exam,who will sign sa part ng employer?thanks a lot
@mai:
One thing she should consider is how to pay for that loan that she is planning to get. If Pag-IBIG detect that she is
not capable of paying it, then it’s futile to even apply for one, because it will be a negative right from the start.
@Andrew:
The maximum housing loan that can be granted to a member is P 3M. Please check with your developer if that project is okay for Pag-IBIG Housing Loan. The developer should know.
@cresente:
Yes absolutely.
@jen:
You need to check it from the office of Pag-IBIG where she got the loan.
@Jerico:
Yes, you can provided you remain an active contributor to the Pag-IBIG Fund.
@jen [#58]:
Yes you are correct on both.
You have already answered both of your questions.
@jerickbulong:
Please refer to this article for the details about your membership:
http://www.pagibigfinancing.com/articles/2010/voluntary-membership-to-pag-ibig-fund-the-self-employed-freelancers-and-non-employees/
@grace:
Same answer, please read the article on Voluntary Membership to the Pag-IBIG Fund.
@Yacinth:
Please take note that there are other factors that they will consider before your loan is granted.
@renan:
YOur previous contributions will never be lost. You may continue paying for it even if you are already based there in Abu Dhabi.
im 55 yrs. old and has been a pag ibig member since i employed with comelec in dec. 23 1979. i wanted to build a house where i can live w comfort when i retire. how much can i avail. pls give me an idea and likewise the requirements. thnk you and more power.
how much monthly income ang kelangan para makapag avail ng housing loan? Please email me back! Thanks!
and what if sa kamag anak ko lang ako bibili ng lupa??? walang land developer… will you still approved the said loan?
gud pm, just want to ask, paano kung may nalaktawang hulog, pwede ko pa ba syang hulugan?
Dear Admin,
I am already a member of pag-ibig, gusto ko po sana i upgrade ung monthly contribution ko from 20 AED to 50 AED/Month. Pano po ang gagawin ko? D2 po ako ngayon sa Dubai, pede ba yung dumiretso na agad ako sa mga bayad centers at sabihin na ag change ako ng amount per month?
Regards
[...] (See also: Are you qualified for a housing loan?) [...]
just want to ask can i avail amount of 150k payable within 3yrs me binebenta po kc sa me amin pero wla pang title rights lang pero gus2 po nmin mbili. isang beses lang po b puedeng mghousing loan ang isang member?kindly give me an idea…more power
hi admin… ditopo ako ngayun sa abu dhabi, member na po ako sa pagibig since june2010, nag bayad na po ako ng 24months sa halagang 10$… pwedi po ba akong maka avail ng loan sa pagibig? kc po may property po na gostong ibintay…at kahit saan po bang lugar dito sa pinas?… hingi po ako ng tulong kung pwedi kong bilhin yung property na nagostuhan ko through pagibig? i need your advice…. salamat po…
hi admin,gud am po.d2 po ako sa taiwan,member n po ako sa pag-ibig d2,ask k po kung kailan pwede po ako mka pag loan ng housing loan.1 year palng po ako member,1,500peso po ang hulog ko monthly.salamat po. w8 kpo ang reply nyo.more power!
[...] also : How To Check If You Are Qualified For A Pag-IBIG Housing Loan [...]
pano po ba yun nagapply po kasi husband ko for housing loan ok na po sana kaya lang we found out na yung latest employer nya was not paying his contribution sa pagibig since jan. 2011 pano po iyon yun n lang po kasi ang problem namin?
hi…my husband and i are interested to apply for housing loan. I would just like to ask if we our eligible. He is an OFW and just had contributed 1yr but now he will be paying for the 2nd yr one time.do we need to wait for another yr to apply for a housing loan or right there and there we can apply and be granted?…thank you and more power.
hi… i just want to ask kc c papa ko po may housing loan sa la trinidad village ang problem po ay ndi n po nabayaran e gusto ko po sana i redeem ung house pnu po ang gagawin member po ako since 2005 pls reply naguguluhan lng po kc kmi..
Hi, member po ak ng pag-ibig since 2008 nun ngwwork pa ako sa pinas. now po eh ofw na ak d2 sa uae, pano ko po b ippaconsolidate un contributions q? and pano din po ak mkkasiguro na ni-reactivate nila un membership ko nun ngstart ako mghulog.
Good Day!
Ma’am/Sir,
Tanong ko lang po pwede ko po ba ipa check sa inyo yung application namin kasi sobrang tagal na po kami naghihintay. ang alam ko po kasi 2-3 weeks lang malalaman mo na ang result yung samin kasi 2 years na tpos nung april nagpa update sila ng requirements. until now, wala pa rin result kapag tumatawag ako sa Filinvest ang sinasabi wala pa daw kayo pino forward na letter para sa application nmin. nakakainip na po kasi dahil ang tagal tagal n nmin naghihintay. ang tita ko nga po 3mo’s lng lilipat n sila. kaya dko maintindihan kung san me problema kung sa Filinvest b or sa Pagibig. Conssesa Sagun po ang name ng sister ko yun yung nag aapply ng housing loan, Sunrise Place ang name ng subdivision. thanks po!
Hi Admin,
Nag housing-loan ako noong 2004. Na grant ung loan. Pero hindi kami tumira sa ni-loan naming bahay, kc nagkaroon ng financial problem, in-short, hindi ako naka-hulog ng amortization.
1. Pwede pa ba mag loan?
2. Bakit merong buy-back ang developer kung kung na pwedeng mag-housing loan ulit?
3. Bakit pinapayagan ng PAG-IBIG ang Buy-Back sa developer?
Good day, ask ko lang po paano ako makakapagloan my binibenta kc sameng house & lot 900t lang sayang po kc dhil manila gusto ko po sana iloan through pag-ibig, nandito po kasi ako sa abroad pede ko po ba ipaprocess sa taong pinagkakatiwalaan ko?anu po ang mga documents na kailangan?
Pwede po ba ako makapagloan ng housing even maliit ang sahod (14t) n nkastate saken?pede po ba ako mkapagloan sa name ko? i think kaya ko naman po bayaran kc besides sa salary ko my tinatanggap din akong salary sa ama ng anak ko na 25t a month.
hi! ofw po ako dito sa saudi,meron po akong bldg and lot sa manila boarding house po na nakasanla po sa isang tao ng 2M, gusto ko po matubos agad kaya mag loan po ako sa pagibig,equivalent to 2 years pa lang po yung naihulog ko sa pag ibig,mabilis lang po ba process/approval ng loan kasi 1 month lang yung vacation ko next year,ano po mga requirements kailangan po sa processing,possible po ba na within my vacation of 1 month maapprove? salamat po
Hello !!! Buhay pa ba ang admin dito? Bakit wala na syang answers?