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	<title>Pagibig Financing</title>
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	<link>http://www.pagibigfinancing.com/articles</link>
	<description>Pag-IBIG Fund, Housing Loans, Mortgage, Membership, Foreclosures, etc</description>
	<lastBuildDate>Thu, 26 Aug 2010 07:48:24 +0000</lastBuildDate>
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		<title>Why This Question Is Wrong: &#8220;Can I Pay The Whole 24 Months Contribution One-Time So That I Can Avail of the Housing Loan?&#8221;</title>
		<link>http://www.pagibigfinancing.com/articles/2010/can-i-pay-24-months-contribution-so-that-i-can-avail-of-the-housing-loan/</link>
		<comments>http://www.pagibigfinancing.com/articles/2010/can-i-pay-24-months-contribution-so-that-i-can-avail-of-the-housing-loan/#comments</comments>
		<pubDate>Thu, 26 Aug 2010 07:38:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Housing Loans]]></category>
		<category><![CDATA[Membership]]></category>
		<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[Housing Loan]]></category>
		<category><![CDATA[Pag-IBIG Membership]]></category>

		<guid isPermaLink="false">http://www.pagibigfinancing.com/articles/?p=104</guid>
		<description><![CDATA[Yes, that&#8217;s a wrong question and later I will explain why. The main purpose of this article is simply to tell you not to ask that question from now on, because it&#8217;s a wrong question. Enough of that question. Period. The Right Answer To The Wrong Question We have received that kind of question several [...]]]></description>
		<wfw:commentRss>http://www.pagibigfinancing.com/articles/2010/can-i-pay-24-months-contribution-so-that-i-can-avail-of-the-housing-loan/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Benefits of Becoming A Pag-IBIG Fund Member</title>
		<link>http://www.pagibigfinancing.com/articles/2010/benefit-of-becoming-pag-ibig-fund-members/</link>
		<comments>http://www.pagibigfinancing.com/articles/2010/benefit-of-becoming-pag-ibig-fund-members/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 06:00:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Housing Loans]]></category>
		<category><![CDATA[Membership]]></category>
		<category><![CDATA[Pag-IBIG Savings And Investments]]></category>
		<category><![CDATA[Benefits]]></category>
		<category><![CDATA[Calamity Loan]]></category>
		<category><![CDATA[Housing Loan]]></category>
		<category><![CDATA[Multi-Purpose Loan]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.pagibigfinancing.com/articles/?p=95</guid>
		<description><![CDATA[It&#8217;s a deplorable fact: A lot of Pag-IBIG Fund Members, especially the employees, are not aware of the benefits they can derive from becoming (forcibly, since it is mandatory) a member of the Pag-IBIG Fund. For some, getting a payroll deduction for Pag-IBIG contribution is an automatic acceptance of something that is unavoidable -– no [...]]]></description>
		<wfw:commentRss>http://www.pagibigfinancing.com/articles/2010/benefit-of-becoming-pag-ibig-fund-members/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>The Pag-IBIG Housing Loan Process</title>
		<link>http://www.pagibigfinancing.com/articles/2010/the-pag-ibig-housing-loan-process/</link>
		<comments>http://www.pagibigfinancing.com/articles/2010/the-pag-ibig-housing-loan-process/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 14:53:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Buying Tips]]></category>
		<category><![CDATA[Housing Loans]]></category>
		<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[Capital Gains Tax]]></category>
		<category><![CDATA[Documentary Stamp Tax]]></category>
		<category><![CDATA[Housing Loan Process]]></category>
		<category><![CDATA[Land Title]]></category>
		<category><![CDATA[Loan Proccess]]></category>
		<category><![CDATA[Membership Verification]]></category>
		<category><![CDATA[Pag-IBIG Housing Loan]]></category>

		<guid isPermaLink="false">http://www.pagibigfinancing.com/articles/?p=81</guid>
		<description><![CDATA[This can be filed as one of the frequently asked questions: &#8220;How can I apply for a Pag-IBIG Housing Loan?&#8221; This article addresses that question in a very straight-forward and easy-to-understand manner. So without further ado, here are the steps to take. Step #1: Attend The Loan Orientation. Officially, it&#8217;s called Loan Counselling Session. It&#8217;s [...]]]></description>
		<wfw:commentRss>http://www.pagibigfinancing.com/articles/2010/the-pag-ibig-housing-loan-process/feed/</wfw:commentRss>
		<slash:comments>57</slash:comments>
		</item>
		<item>
		<title>The Pag-IBIG II Savings Program</title>
		<link>http://www.pagibigfinancing.com/articles/2010/the-pag-ibig-ii-savings-programs/</link>
		<comments>http://www.pagibigfinancing.com/articles/2010/the-pag-ibig-ii-savings-programs/#comments</comments>
		<pubDate>Mon, 31 May 2010 03:25:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Pag-IBIG Savings And Investments]]></category>
		<category><![CDATA[mutual fund]]></category>
		<category><![CDATA[Pag-IBIG I]]></category>
		<category><![CDATA[Pag-IBIG II]]></category>
		<category><![CDATA[Pag-IBIG Overseas Program]]></category>
		<category><![CDATA[POP]]></category>
		<category><![CDATA[TAV]]></category>
		<category><![CDATA[Total Accumulated Value]]></category>

		<guid isPermaLink="false">http://www.pagibigfinancing.com/articles/?p=75</guid>
		<description><![CDATA[Pag-IBIG Fund is not just about Housing Loans, though this is the most popular benefit offered by the institution to its members. Once you become a member of the Pag-IBIG Fund, you also participate in its Savings Program where you get yearly dividends and which you can claim upon maturity of your membership. There are [...]]]></description>
		<wfw:commentRss>http://www.pagibigfinancing.com/articles/2010/the-pag-ibig-ii-savings-programs/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Pag-IBIG Housing Loan Default and Foreclosure</title>
		<link>http://www.pagibigfinancing.com/articles/2010/pag-ibig-housing-loan-default-and-foreclosure/</link>
		<comments>http://www.pagibigfinancing.com/articles/2010/pag-ibig-housing-loan-default-and-foreclosure/#comments</comments>
		<pubDate>Mon, 26 Apr 2010 13:04:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Housing Loans]]></category>
		<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Housing Loan]]></category>
		<category><![CDATA[Loan Default]]></category>
		<category><![CDATA[Mortage Loan]]></category>
		<category><![CDATA[Pag-IBIG Housing Loan]]></category>
		<category><![CDATA[Pag-IBIG Mortgage]]></category>
		<category><![CDATA[Rent-To-Own]]></category>

		<guid isPermaLink="false">http://www.pagibigfinancing.com/articles/?p=66</guid>
		<description><![CDATA[Most real estate purchases and investments are made with the use of borrowed money; that is by mortgage loans. In an ideal world, these mortgages are paid on time and are eventually fully paid including all the interest incurred by borrowing the money. But unforeseen circumstances do sometimes happen, which lead to loan defaults and, [...]]]></description>
		<wfw:commentRss>http://www.pagibigfinancing.com/articles/2010/pag-ibig-housing-loan-default-and-foreclosure/feed/</wfw:commentRss>
		<slash:comments>24</slash:comments>
		</item>
		<item>
		<title>Getting a Loan? First Consider Getting A Pre-Qualification.</title>
		<link>http://www.pagibigfinancing.com/articles/2010/getting-a-loan-first-consider-getting-a-pre-qualification/</link>
		<comments>http://www.pagibigfinancing.com/articles/2010/getting-a-loan-first-consider-getting-a-pre-qualification/#comments</comments>
		<pubDate>Tue, 06 Apr 2010 02:16:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Buying Tips]]></category>
		<category><![CDATA[Housing Loans]]></category>
		<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[Loan Application]]></category>
		<category><![CDATA[Loan Pre-Qualification]]></category>
		<category><![CDATA[Pre-Qualification]]></category>

		<guid isPermaLink="false">http://www.pagibigfinancing.com/articles/?p=64</guid>
		<description><![CDATA[This is a very common scenario: Juan thinks he likes the house shown to him by the real estate broker. On impulse, he pays for a reservation fee to hold the property in his favour without even considering how much he has to cover for the down payment. A few days later thinks about mortgage [...]]]></description>
		<wfw:commentRss>http://www.pagibigfinancing.com/articles/2010/getting-a-loan-first-consider-getting-a-pre-qualification/feed/</wfw:commentRss>
		<slash:comments>30</slash:comments>
		</item>
		<item>
		<title>Pag-IBIG Overseas Program: International Directory</title>
		<link>http://www.pagibigfinancing.com/articles/2010/pag-ibig-overseas-program-international-directory/</link>
		<comments>http://www.pagibigfinancing.com/articles/2010/pag-ibig-overseas-program-international-directory/#comments</comments>
		<pubDate>Wed, 31 Mar 2010 03:24:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Pag-IBIG Overseas Program]]></category>
		<category><![CDATA[Overseas Office]]></category>
		<category><![CDATA[POP]]></category>

		<guid isPermaLink="false">http://www.pagibigfinancing.com/articles/?p=51</guid>
		<description><![CDATA[An Overseas Filipino Worker who visited this website once dropped a message asking about the office of Pag-IBIG Fund in his host country. Definitely, there are a lot of OFW’s like him who are in the same situation. Their common questions include: Is there a Pag-IBIG Fund Office in [name of the country] I am [...]]]></description>
		<wfw:commentRss>http://www.pagibigfinancing.com/articles/2010/pag-ibig-overseas-program-international-directory/feed/</wfw:commentRss>
		<slash:comments>53</slash:comments>
		</item>
		<item>
		<title>Insurance, Processing Fee And Other Pag-IBIG Housing Loan Expenses</title>
		<link>http://www.pagibigfinancing.com/articles/2010/insurance-processing-fee-and-other-pag-ibig-housing-loan-expenses/</link>
		<comments>http://www.pagibigfinancing.com/articles/2010/insurance-processing-fee-and-other-pag-ibig-housing-loan-expenses/#comments</comments>
		<pubDate>Mon, 22 Mar 2010 05:00:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Loan Charges]]></category>
		<category><![CDATA[MRI Insurance]]></category>
		<category><![CDATA[Pag-IBIG Housing Loan]]></category>
		<category><![CDATA[SRI Insurance]]></category>

		<guid isPermaLink="false">http://www.pagibigfinancing.com/articles/?p=46</guid>
		<description><![CDATA[Real estate properties are seldom bought on one-time, spot cash basis. Many buyers usually finance their homes for a longer payment period, say 10 years and even 30 years. When purchasing a real property using long term financing such as Pag-IBIG Housing Loan, the buyer is usually asked to put a minimum down payment. This [...]]]></description>
		<wfw:commentRss>http://www.pagibigfinancing.com/articles/2010/insurance-processing-fee-and-other-pag-ibig-housing-loan-expenses/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Pag-Ibig Housing Loan Requirements</title>
		<link>http://www.pagibigfinancing.com/articles/2010/pag-ibig-housing-loan-requirements/</link>
		<comments>http://www.pagibigfinancing.com/articles/2010/pag-ibig-housing-loan-requirements/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 14:41:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Housing Loans]]></category>
		<category><![CDATA[Housing Loan]]></category>
		<category><![CDATA[Land Title]]></category>
		<category><![CDATA[Loan Application]]></category>
		<category><![CDATA[Loan Requirements]]></category>
		<category><![CDATA[Pag-IBIG Loan]]></category>
		<category><![CDATA[Pag-IBIG Mortgage]]></category>
		<category><![CDATA[Title]]></category>
		<category><![CDATA[Transfer Certificate Title]]></category>

		<guid isPermaLink="false">http://www.pagibigfinancing.com/articles/?p=43</guid>
		<description><![CDATA[So you&#8217;ve finally decided to invest in real property using Pag-IBIG Housing Loan? You figured that it&#8217;s about time that you apply for that Pag-IBIG Loan after those years of faithful contributions to the Pag-IBIG Fund. Now you ask yourself: &#8220;What are the requirements to avail of Pag-IBIG Housing Loan?&#8221; There are standard requirements asked [...]]]></description>
		<wfw:commentRss>http://www.pagibigfinancing.com/articles/2010/pag-ibig-housing-loan-requirements/feed/</wfw:commentRss>
		<slash:comments>120</slash:comments>
		</item>
		<item>
		<title>What Is Loan-To-Value Ratio?</title>
		<link>http://www.pagibigfinancing.com/articles/2010/what-is-loan-to-value-ratio/</link>
		<comments>http://www.pagibigfinancing.com/articles/2010/what-is-loan-to-value-ratio/#comments</comments>
		<pubDate>Fri, 12 Feb 2010 04:23:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Buying Tips]]></category>
		<category><![CDATA[Housing Loans]]></category>
		<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt-To-Income]]></category>
		<category><![CDATA[Equity]]></category>
		<category><![CDATA[Financial Leverage]]></category>
		<category><![CDATA[Housing Loan]]></category>
		<category><![CDATA[Interest Rate]]></category>
		<category><![CDATA[Leverage]]></category>
		<category><![CDATA[Loan-To-Value]]></category>
		<category><![CDATA[Private Mortgage Insurance]]></category>

		<guid isPermaLink="false">http://www.pagibigfinancing.com/articles/?p=40</guid>
		<description><![CDATA[A key concept in helping home buyers assess how much they can borrow to finance their real property investment is the Loan – To – Value Ratio. The Loan–To–Value Ratio (LTV for brevity) is the amount of the borrower&#8217;s loan divided by the appraised value of the property. LTV = (Loan Amount) / (Appraised Value) [...]]]></description>
		<wfw:commentRss>http://www.pagibigfinancing.com/articles/2010/what-is-loan-to-value-ratio/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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