Pagibig - HDMF Home Loans Cagayan de Oro City

𝐑𝐞𝐬𝐞𝐫𝐯𝐞 𝐧𝐨𝐰 𝐟𝐨𝐫 𝐨𝐧𝐥𝐲 𝟖𝐊‼️
𝑽𝒆𝒍𝒎𝒊𝒓𝒐 𝑯𝒆𝒊𝒈𝒉𝒕𝒔 𝑪𝑫𝑶. . .

Beautifully designed homes delivered in 𝐜𝐨𝐦𝐩𝐥𝐞𝐭𝐞 𝐟𝐢𝐧𝐢𝐬𝐡, equipped with partitioned rooms, painted walls, tiled floors, and a provision for carport. This subdivision o𝑓𝑓𝑒𝑟𝑠 𝑝𝑎𝑛𝑜𝑟𝑎𝑚𝑖𝑐 𝑣𝑖𝑒𝑤 𝑜𝑓 𝑀𝑎𝑐𝑎𝑗𝑎𝑙𝑎𝑟 𝐵𝑎𝑦 𝑎𝑛𝑑 𝑐𝑎𝑠𝑐𝑎𝑑𝑖𝑛𝑔 𝑚𝑜𝑢𝑛𝑡𝑎𝑖𝑛𝑠 𝑜𝑓 𝐵𝑢𝑘𝑖𝑑𝑛𝑜𝑛

Model Type:
🍁 𝐀𝐒𝐇𝐀 𝐔𝐧𝐢𝐭: 𝑺𝒊𝒏𝒈𝒍𝒆 𝑫𝒆𝒕𝒂𝒄𝒉𝒆𝒅 𝑼𝒏𝒊𝒕 (𝑻𝒘𝒐-𝑺𝒕𝒐𝒓𝒆𝒚 𝑯𝒐𝒖𝒔𝒆)
🍁 𝐆𝐄𝐈𝐋𝐀 𝐔𝐧𝐢𝐭: 𝑺𝒊𝒏𝒈𝒍𝒆 𝑫𝒆𝒕𝒂𝒄𝒉𝒆𝒅 𝑼𝒏𝒊𝒕 (𝑻𝒘𝒐-𝑺𝒕𝒐𝒓𝒆𝒚 𝑯𝒐𝒖𝒔𝒆)
🍁 𝐙𝐔𝐑𝐈 𝐔𝐧𝐢𝐭: 𝑺𝒊𝒏𝒈𝒍𝒆 𝑫𝒆𝒕𝒂𝒄𝒉𝒆𝒅 𝑼𝒏𝒊𝒕 (𝑻𝒘𝒐-𝑺𝒕𝒐𝒓𝒆𝒚 𝑯𝒐𝒖𝒔𝒆)
🍁 𝐃𝐀𝐑𝐀 𝐔𝐧𝐢𝐭: 𝑩𝒖𝒏𝒈𝒂𝒍𝒐𝒘 𝑼𝒏𝒊𝒕 (𝑶𝒏𝒆 𝑺𝒕𝒐𝒓𝒆𝒚 𝑯𝒐𝒖𝒔𝒆)
🍁 𝐂𝐢𝐭𝐚 𝐌𝐢𝐝 | 𝐂𝐢𝐭𝐚 𝐄𝐧𝐝: 𝑻𝒐𝒘𝒏 𝑯𝒐𝒖𝒔𝒆 (𝑻𝒘𝒐-𝑺𝒕𝒐𝒓𝒆𝒚 𝑯𝒐𝒖𝒔𝒆)

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Ready for Occupancy‼️
1 unit only‼️
House and Lot🏠
Coral Resort Estates✨
📍Initao, Misamis Oriental

📢 GOOD NEWS FOR OUR KABABAYANS IN SINGAPORE ‼️
We are having a FREE Property Roadshow in Singapore on July 29 and 30 at Holiday Inn Hotel Orchard from 9am to 5pm..

Don’t miss the opportunity to attend our Investors Forum . We’ll introduce the beauty and advantages of Investing in Real Estate . Pre- selling Condominiums and Houses equity starts at P5,000/ month . These are available at the following areas :

🪙 Manila
🪙 Iloilo
🪙 Cagayan de Oro City
🪙 Davao City

📍Seats are limited so secure your slots in advance! Please reply to us with the following:
Full Name:
Email:
Mobile:

Look for Ms. Dalefaith Fancubit, our Property International Endorser. Pm this page for more info.

Are you one of our country's modern-day heroes? Here are 4 tips for you on where to invest your hard-earned money!

1) Invest as early as you can because land/real estate properties appreciate quickly. Take the risk, it will be worth it!

2) Invest in leisure places or areas near tourist spots. Make sure to take note of business-worthy locations!

3) Invest in properties you can convert into a business venture. Don't let your hard-earned money sleep, put it into a business venture where you can start saving up for an early retirement!

4) Invest in a location where you can enjoy your retirement. Of course, after all the years of sacrifice and hardwork, a great location to enjoy your retirement is definitely a good location!

Pag-IBIG Fund offers promo rates on home loans to boost economy

Top officials of Pag-IBIG Fund announced on Thursday (July 09) that they are offering promo rates on their home loans of as low as 4.985 percent per annum until the end of the year, in a move to help members acquire homes and help boost the national economy amid the pandemic.

The agency is offering special low rates of 4.985 percent per annum under a 1-year repricing period and 5.375 percent per annum under a 3-year repricing period. These are its lowest-ever rates under its Regular Housing Loan program, and are available to members getting new home loans until the end of 2020 only.

These further reduced the agency’s previous rates, already pegged at a low 5.375 percent per annum for the 1-year repricing and 6.375 percent per annum for the 3-year repricing period. Meanwhile, interest rates for its Affordable Housing Program, available for low and minimum-wage earners, remain at its lowest with a subsidized home loan interest rate of 3 percent per annum.

“By offering these special rates to our members, we are spurring economic activity in the housing industry, which has a ripple effect on the national economy. This is a win-win situation because our members get to take advantage of these home loan rates, while their purchase of their homes will help generate more jobs to help get our economy back on track. This then, is our contribution to our nation’s journey to recovery, as led by President Duterte,” said Secretary Eduardo D. del Rosario of the Department of Human Settlements and Urban Development (DHSUD) and Chairman of the 11-member Pag-IBIG Fund Board of Trustees.

With the Pag-IBIG Board’s approval of the promo rates on July 9, Pag-IBIG Fund Chief Executive Officer Acmad Rizaldy P. Moti said that the special rates shall take effect immediately and shall be enjoyed by incoming home loan borrowers until December 29, 2020

“We review our rates regularly and have never repriced it upward under the Duterte administration. Our ever-improving quality of portfolio has allowed us to keep the rates low under our Risk-Based Pricing Model. But this time, we are offering something special. In consideration of the impact of the pandemic on the livelihood of our members, we reduced our home loan rates by as much 100 basis points for the next six months because we want to help members who are thinking of buying a home to take advantage of our lower-than-lowest rates. Even amid the pandemic, now is the best time to buy a home with a Pag-IBIG Housing Loan” Moti said.

Great news from Pag-Ibig! If you’re planning to buy your dream house, now is the time to do it! These promotional interest rates - 4.985% for 1-year fixing and 5.375% for 3-year fixing - will run until the end of 2020! And we provide the longest loan term of 30 years.

Here’s a comparison of the rates*:
1-year fixing: 4.985% (from 5.375%)
3-year fixing: 5.375% (from 6.375%, or 100 bps/1% reduction!)

Make your dreams come true by availing of these discounted interest rates, while helping our economy recover!

Mabuhay ang mga manggagawang Pilipino!
Mabuhay ang bawat Linkod Pag-IBIG!
Mabuhay ang Pag-IBIG Fund!
* these discounted rates are valid until end of 2020.

Time to invest now! Contact me for more info. :)

Pag-IBIG Fund offers promo rates on home loans to boost economy | BusinessWorld Advertisement Spotlight Pag-IBIG Fund offers promo rates on home loans to boost economy July 10, 2020 | 1:00 pm Font Size A A A Top officials of Pag-IBIG Fund announced on Thursday (July 09) that they are offering promo rates on their home loans of as low as 4.985 percent per annum until the end of....

Ayaw mo ng Pre-Selling?
2016- "Ay lupa palang wala pang bahay saka na po ako bibili pag may Model House na"
2017- "Saka na po ako bibili pag may RFO na
2018- "Mag aabang na lang po ako ng Reopen para mura"
2019- "Wala na po ba kayo nung tig 600K to 1M di na po kasi pasok sa sahod ko"
2020 - “Sana bumili nalang ako nung pre-selling pa”
Marami ang tumataas di lng ang presyo pati na rin ang edad mo. Kung last year pwde ka pa hanggang 30 yrs sa Pag-ibig, at kung sa Bank Financing naman ay 20 years, ngayon hindi na.
Mas magandang mag invest habang bata ka pa para maaga mo din itong matapos bayaran
Kung paano?

Let's talk! Just pm us.

P.S - THIS IS NOT THE OFFICIAL PAGE OF PAG-IBIG CDO

DISCLAIMER : This not an official page of Pag-ibig ( HDMF) Agency

Did you know that you can use the Pag-IBIG housing loan for other types of properties? Besides a house and lot, you can also get a loan for a new condominium unit. You can even use Pag-IBIG to refinance your existing housing loan so you can enjoy lower interest rates.

Whatever you want to use it for, the Pag-IBIG Housing Loan is an affordable way to own a home. Here’s a complete list of Pag-IBIG housing loan requirements, plus tips on increasing your chances of getting it approved.

Pag-IBIG housing loan application requirements
Below are the standard requirements for a Pag-IBIG housing loan.

Two copies of accomplished Pag-IBIG housing loan application form
Information on loan purpose, collateral, borrower’s data, borrower’s spouse’s data, gross monthly income, bank accounts, credit cards, real estate, any outstanding credits, trade references, and character references
One back-to-back photocopy of a government issued ID of:
Principal borrower
Spouse (if applicable)
Co-borrower (for Affordable Housing Program)
Seller and spouse (if purchasing an existing property)
Developer’s Authorized Representative (if applicable)
Attorney-In-Fact (if applicable)
Proof of Income (see section below for more details)
Two copies of the Payment Order Form and fees (non-refundable)
P1000 for filing, processing, and submission of application with complete documents
P2000 appraisal fee to be submitted with the processing fee
P2000 to be deducted from the loan proceeds, once approved and ready for release
Additional Requirements for OFWs (if applicable or requested)

Notarized Special Power of Attorney notarized by a Philippine Consular Officer or notarized by a local notary of the OFW’s host country duly authenticated by the Philippine Consulate.
Pay slip indicating income received and period covered
Passport with working visa
Residence card or permit to stay indicating work as the purpose
Bank remittance record
Professional license from the host country
Additional requirements for OFWs over 60 years old

Health Statement Form
Photocopy of medical examination results prior to overseas assignment
Documents Accepted for Proof of Income
There are several documents that are accepted as proof of income, depending on your nature of work:

For employees

Certificate of Employment and Compensation (notarized) with gross monthly income including allowances or benefits
Latest Income Tax Return with attached BIR stamped received BIR Form 2316
Certified pay slips 3 months prior to the date of loan application
Commission Vouchers for the last 6 months (if applicable)
For self-employed individuals

Income Tax Return, Audited Financial Statements, and Official Receipt of tx payment from bank with DTI Registration and Business Permit/Mayor’s Permit
Commission Vouchers with the issuer’s name and contact details. Information must be over the last 12 months
Passbook or bank statements for the last 12 months (for income from foreign remittances or pensions)
Copy of Lease Contract and Tax Declaration (for income from rental payments)
Certified True Copy of Transport Franchise from LTRFB (for PUVs) or LGU (for tricycles)
Certificate of Engagement issued by owner of business
Photo of business establishment (if applicable)
Company profile (if applicable)
Secretary’s Certificate or Board resolution (for corporation)
Articles of Incorporation (for corporation)
For OFWs

Employment Contract or POEA Standard Contract
Certificate of Employment and Compensation with the company’s letterhead or signed by employer (for household staff or similar), supported by a copy of the employer’s passport or ID
Income Tax Return filed with Host Country or Government. Documents must be in the English translation if host country issues foreign language documents.
Documents Required Upon Loan Approval

Once approved, there are a few more documents you need to provide before the loan gets released:

One Certified True Copy and one photocopy of the Transfer Certificate of Title or Condominium Certificate of Title in the name of the borrower and co-borrower (if applicable), with Pag-IBIG fund mortgage annotation.
Updated Tax Declaration for house and lot in the name of the borrower/s (if applicable)
Photocopy of Updated Real Estate Tax Receipt in the name of the borrower/s (if applicable)
Occupancy Permit (if applicable)
Loan Mortgage Documents
Dead of Absolute Sale registered and stamped by the Registry of Deeds
Disclosure Statement on Loan Transaction
Notarized Promissory Note
How to Get Your Pag-IBIG Housing Loan Approved
Just like any other loan application, credit and employment checks will be done to make sure that you can handle all the housing loan payments. To increase your chances of getting your housing loan approved, here are a few tips.

Have a steady source of income for 1 year

It’s important to be able to show that you’ve had a regular source of income for at least 1 year. The longer you’ve been in a company, the better your chances of being seen as steadily employed and will not falter on your payments.

Pay your debts on time

Make sure that your financial affairs are all in order, especially if your arrears are for the Pag-IBIG multi-purpose loan. The only unsettled debt you should have is an existing housing loan you wish to transfer or refinance to Pag-IBIG.

Make sure your property is in a good location

Pag-IBIG is strict about evaluating property because the land title will be used as collateral. Nudge them in the right direction by making sure that the property is worth the risk. If it’s in an unsafe location or is flood-prone, you probably won’t want to live there anyway no matter how cheap the place is.

Be ready with all requirements

It goes without saying that all your documents should be ready and in order. It speeds up the process and saves you more trips than necessary to Pag-IBIG’s long queues.

What Happens After Receiving the Housing Loan
After receiving your loan, your monthly amortization starts exactly one month from the day you claim it. As with any other loan, missing even a single payment means a penalty.

In the case of a Pag-IBIG housing loan, this is set at 1/20th of 1% of the amount due for every day of the delay. While this doesn’t seem like much, this can build up if you’re not careful.

Tip: Use Coins.ph to Pay Your Pag-IBIG Loan Online

Now you can use Coins.ph to make a Pag-IBIG online payment right from your smartphone. It’s instant, secure, and you’ll never miss a Pag-IBIG loan payment with such a convenient way to pay!

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