How To Become An Expert in Pag-IBIG Housing Loan in 25 Minutes or Less

One of the requirements before a member can avail of a Housing Loan from the Home Development Mutual Fund or simply Pag-IBIG is to attend a housing loan seminar. If you have not been to that kind of seminar before, here are the essential things that they cover: An overview of the Housing Loan Program. [...]

Top 4 Reasons Why You Should Not Buy A House

I understand that most of you are visiting this website because, in one way or the other, you are contemplating a home purchase and that you want to use Pag-IBIG Home Loan to finance your investment. Indeed, we have come a long way in explaining the essentials of Pag-IBIG Housing Loan. From home buying preparation [...]

Email Exchange : Buying Preparation, Unpaid Amortization, Membership Reactivation, etc

Topic #1 : What You Should Know Before You Buy A Real Property Subject: Preparation on Home Purchase I have been a Pagibig member and was contributing voluntarily while I was in Philippines. I woulld like now to prepare myself in buying a home there. I have no relatives that I can send in your [...]

Loaning With No Income Tax Return

Here’s another letter that we’d like to share to every reader of this website. It’s about the use of the Income Tax Return as a requirement in applying for a Housing Loan. The letter is shown below. “I want to become a member of [the] Pag-IBIG Fun. My question is, is it possible na maging [...]

When Is The Right Time To Buy?

“Please let me know the document requirements for buying a property and using Pag-IBIG Housing Loan. I want to buy my first home when I go back to the Philippines for my annual vacation leave.” That’s taken from a letter sent to us by an OFW visitor. Most probably, you too are on the same [...]

Housing Loan Preparation: How To Flex Your Financial Muscle

“Get your finances in order.” You have probably read that statement several times on different pages of this website. Usually, it is the response we give to visitors who are asking for guidance on how to get, and eventually be approved for, a housing loan from the Pag-IBIG Fund. The phrase is very brief but [...]

How Your Income And Contributions Affect Your Housing Loan Entitlement

In case you are wondering how much loan amount you are entitled, this article intends to address that. By now, you should already know that the maximum housing loan amount Pag-IBIG can possibly grant to a member is P 3,000,000 while the smallest amount is only P 100,000. And the corresponding interest rate is actually [...]

5 Great Tips For The First Time Pag-IBIG Home Buyers

This article is intended for the first-time home buyer who wanted to buy a house using Pag-IBIG Financing. Maybe you are still single and you already wanted to get a house before getting married. (Well, this was the route that I followed.) Or, maybe you are newly wed and you decided that you want to [...]

Can You Afford That House?

“The ending is everything. Plan all the way to it, taking into account all the possible consequences, obstacles, and twists of fortune that might reverse your hard work and give the glory to others…” –Robert Greene, The 48 Laws of Power This is very much applicable for first–time home buyers. How much can you afford [...]