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Hornijas-Tobias Realty & Co.

Pag-ibig Housing Loan

8/23/2010

Comments

 
Many Filipinos who want to purchase a house need a third party to help finance the property. Those who choose bank financing, for example, secure a loan from the bank to pay the balance. However, most of us prefer Pag-ibig financing since it has the longest terms for housing loans available, up to 30 years.

Now, what properties can you avail with your Pag-ibig membership?
According to Pag-ibig:

Housing Loan Availment

This housing loan program grants opportunities to Pag-IBIG Fund members to avail of housing loans to finance any one or a combination of the following:

1.     Purchase of a fully developed lot not exceeding 1,000 square meters, which should be within a residential area; 
2.     Purchase of a residential house and lot, townhouse or condominium unit, inclusive of a parking slot, which may be:
* Old or brand new;
* A property mortgaged with the Fund; or
* An acquired asset, which is disposed of through sealed public bidding, negotiated sale, the Rent-to-Own Program, or the “Magaang Pabahay, Disenteng Buhay” Program.

3.     Construction or completion of a residential unit on a lot owned by the member;
4.     Home improvement, i.e. any alteration in an existing residential unit intended by a homeowner to be a permanent integral part thereof, which will enhance its durability and material value; 
5.     Refinancing of an existing mortgage with an institution acceptable to the Fund, provided that:
* The loan is not in default within 12 months prior to the date of application;
* The said loan has a repayment history of at least two (2) years with the original mortgagee

6.     Combination of loan purposes, which shall be limited to the following:
* Purchase of a fully developed lot not exceeding 1,000 square meters and construction of a residential unit thereon;
* Purchase of a residential unit, whether old or new, with home improvement;
* Refinancing of an existing mortgage with home improvement;
* Re* Refinancing of an existing mortgage, specifically a lot loan, with construction of a residential unit thereon. 


Source:
Pag-ibig Website
Housing Loan Availment
http://www.pagibigfund.gov.ph/benpro.aspx
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  • Home
  • PROPERTIES
    • Housing Projects >
      • North of Davao >
        • Malibu Residences Davao
        • Oakridge Residential Estate
        • Aspen Heights Subdivision Davao
        • The Prestige Subdivision
        • Deca Homes Indangan Subdivision Davao
        • Hidalgo Homes Subdivision Davao
        • Cambridge Heights
        • Villa Alevida
      • South of Davao >
        • Twin Palms Residences
        • Crestview Homes Davo
        • Villa Monte Maria Davao
        • Villa Señorita Subdivision
        • Granville Subdivision Davao
        • Greenwoods Subdivision Davao
        • Villa Mercedita Subdivsion Davao
        • Deca Homes Mintal Subdivision Davao
        • Bambu Estate Subdivision
        • Bellavita Subdivision Davao
        • Grace Park Subdivision
        • Luna Residences Davao
        • South Villas Heights 2
        • Villa Kareena
        • Villa Constancia Homes
        • Elenita Heights
        • Granville 3 Subdivision Davao
      • Samal Island >
        • Holiday Ocean View
      • Digos City >
        • Villa de Salvacion Residences
      • Tagum City
    • Condominium Projects >
      • Low Cost
    • Private Residential
    • Commercial Properties
    • Agricultural Properties
    • Industrial Properties
    • Rawlots
    • Memorial Properties
    • Foreclosed Properties
  • List Your Property
  • Referral
    • Refer A Buyer
    • Refer A Property
    • Refer A Seller
  • Join Us
    • Be a Real Estate Agent
    • Be a Sales Manager
  • Contact us