Home Buying Tips!
#HomeBuyingTips
🏘STEPS SA PAGKUHA NG BAHAY! HOUSING LOAN PROCESS PAKIBASA PO MAIGI SA MGA NAGNANAIS KUMUHA NG PROPERTY/BAHAY/LOTE NA HULUGAN.
1. RESERVATION - ( kapag nakapili na po kayo ng property/unit magpay ng reservation fee plus initial requirements. Proof of identity at proof of income, proof of billing. Iba iba po ang requirements bawat developer. Ang property na maari niyo pong ireserve ay depende din po sa INCOME, EDAD at anong FINANCING po kayo QUALIFIED.
2. DOWNPAYMENT - ( depende po sa terms ng developer kung gano katagal pwede hulugan ang DP. Kapag ang unit (RFO) nakatayo na, ay short term dp na lang po yan usually max of 12 mos to pay. Kapag pre selling or on going construction usually 18-36 mos. to pay. 30 days after reservation nagsisimula ang dp payment. May mga project po na NO DOWNPAYMENT. Grab na po natin ito lalo na sa mga nagrerenta napakalaking ginhawa kapag walang DP dahil hindi sasabay sa pagbabayad ng upa.
3. LOAN PROCESSING - Kapag fully paid na ang DP at nakatayo na ang unit niyo ipaprocess na po sa FINANCING ang housing loan niyo. PAGIBIG, BANK, NHFMC or IN-HOUSE. Kailangan po natin magpasa ng LATEST COMPLETE REQUIREMENTS para proof na kaya natin bayaran ang housing loan. It will take sometime po ang proseso dahil hindi po biro ang halaga ng inuutang natin na bahay/property. Sa bank pinakamabilis 2 mos. Sa pagibig 3-6 mos. Sa inhouse usually 2 mos.
5. LOAN TAKE OUT - kapag loan take out na po it means naapprove na po ang housing loan niyo. Next step is buyers validation seminar at inspection of unit at payment para sa move in fees (meralco and water ) if hindi pa po ito nabayaran.
6. FINALLY ANG SUSI!🔑 - Congratulations! after all the process maari nyo na po makuha ang susi ng inaasam na bahay/property. Basta po may water at meralco na maaari ng mag move in.
Ito po ang usual process sa pagkuha ng bahay. Wala pong instant bahay, check niyo po maigi at mag ingat sa mga hindi legit agent at too good to be true na offer. Transact only with legit or accredited sales persons, property assistants and brokers.
Thank you!
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