Home Financing For The Clueless Buyers

“What was I thinking?” a home buyer asks himself in disbelief after learning that he cannot actually finance his latest investment in an exclusive subdivision. What he should have actually asked himself was, “What was I not thinking?” Buyer Beware Buyers, buyers, buyers. You should think twice, thrice, a hundred times, before you actually invest [...]

Mortgage Loan Fundamentals

Real estate properties are seldom bought on spot cash. The vast majority are purchased with a little down payment and mortgage loans on the balance. A mortgage loan is a form of secured financing; that is, the lender gives you the needed financing and in return you pledge the property as collateral. In a mortgage [...]

The Pag-IBIG Overseas Program

For many Filipinos, times seem so hard these days in their homeland. That is why more and more Pinoys try their luck abroad, where the grass is perceived to be greener. They work in foreign lands that promise them the financial freedom that their native country cannot seem to give them. For those who are [...]

Voluntary Membership To Pag-IBIG Fund: The Self-Employed, Freelancers, And Non-Employees

Self – employed? Unemployed? How about Non-Employed? In other words, are you not connected with a single company that considers you on its monthly payroll? The good news is, you can become a member of the Pag-IBIG Fund as a Voluntary contributor. The bad news is you have to shoulder of the contributions yourself without [...]

For Employees : How To Become a Pag-IBIG Fund Member?

Are you a regular employee who always wonder how that Pag-IBIG deduction got in to your pay slip? Or you don’t really care since it is as normal and as inescapable as the income tax? This article shows you how to become a member of the Pag-IBIG Fund if you are an employee here in [...]

Pag-IBIG Housing Loan 101

One of the main concerns of Pag-IBIG Members is getting a Housing Loan. And why not? That is one of the privileges they can get as members of the Fund Company. This article will address a number of those basic concerns about Housing Loan. Who can avail of Pag-IBIG Housing Loan? Pag-IBIG Loans are allowed [...]