Anong preferred mo In- House Financing or Pag-ibig Financing Payment Scheme? Real Estate Philippines

kung malaki naman ang kinikita ko, i would prefer in-house financing....kung hindi naman, thru pagibig na lang, no choice...

wala pa akong plano jan pero pag kaya naman, don na ako sa in-house

sabagay, kung can afford naman why wait too long di ba? e di bayaran na lang in shorter term even thru inhouse financing almost pareho din naman kasi.

Message appended on July 21, 2011 01:15AM

hassle free pag thru inhouse financing kasi ang loan ng buyer is sa developer mismo pero mas mataas ang interest rate nila but reasonable.

Gusto ko tong thread na to. Gaano naman kalaki ang difference sa interest ng bank and inhouse?

mas okay ang in-house financing kaso nga lang napakalaki ng interest, samin kasi 18% interest but still hindi mahigpit pag in-house, kung mag-papag-ibig kanaman ang dami pang process, yun nga lang mas mababa ang interest..

Hi Mr.Lonely usually ang inhouse financing nagre-range yan ng between 16% up to 18% ang interest rate and shorter term pero usually mas madali ang processing ng loan dahil sa developer ka mismo may loan ng unit mo... pero pagbank financing dami mo financial documents na dapat isubmit for credit investigation pero mas lower bank financing rate at hindi fix ang interest minsan gradual tumataas ang interest na di mo nacontrol...

 

Mas safe pa din to avail a housing thru in in house financing.... or pwde din pag-ibig financing kung gusto mo ng long term payment.

Message appended on July 22, 2011 08:02AM

Hi Urbanliving, tama ka jan mas madali mag-approve ang inhouse financing compare to pagibig housing loan....

mas gusto ko rent to own sa pag-ibig or nha yan pinakamura na bahay

wise choice naman to make use the pagibig housing benefits kung member man ang isang buyer ng Pag-ibig Fund. kasi nga para ka lang umuupa, kami ganyan din ginamit namin Pagibig housing loan naming mag-asawa. para na lang kami umuupa every month hulog sa pagibig at di masyado mabigat.

Depende sa budget ng clientele but if you have in-depth study between In-house against PagIbig financing halus parehas 'din suma-total on the long run kaya para sa akin, Bank financing na lang ang gagamitin ko na pag-acquire ng property.

beware sa mga developers na mangloloko!!!!! pls.. check their 5 years selling record.. and selling license...

also check the HLURB no. huwag banat ng banat when it comes to housing loan..

also keep that in mind na long term yan. marami ng naloloko sa in house scheme na yan,,

im not saying na lahat ng developer ganon..

In House scheme is high interest rate but short term nga lang.. my rate is 50/50

Pag Ibig housing loan is much Safer and 100% guaranteed...

thanks,,,

pls.. respect my post!!!!

more power sulit team....

mas maganda yung bank finance kesa pag ibig and in house.. kasi mura ang rate..

Tama po kayo dahil ang bank rate ay nasa 10.5-11% where as sa in-house ay ranges from 16-24% marami lang kasing papeles ang kailangan sa pag-acquire ng bank financing.

Joms, mababa nga ang rate ng bank financing pero di yan nakafix ang interest rate nila habang tumatagal may chances na mas tumaas ang rate nila. pero if you want a safer payment scheme pwde na sa inhouse less pa ang documents na hahanapin ng developer as compare to bank loan. 

Message appended on July 22, 2011 05:22PM

Yes, tama naman po yan. Check the developer's background and their previous and ongoing projects para makasiguro kayo check their records in HLURB to know their credibility. And always look for the License to sell # of the project that you might want to consider then verify it.

Be wise in investing!

Sa daming nag-susulputan na developers medyo mahirap gawin ito but then dahil karamihan ay may on-line site naman madali na lang malaman ang project profile ng mga ito.

do some research on line or even a call at HLURB will do para macheck ng client if Legitimate nga ang developer...

mas mgnda po ang paibig financing scheme

Mas maganda dahil pwede long term mo hulugan at the same time mas maliit ang downpayment ng client kaya di mabigat bayaran...

for me as a sales associate i highly recommend PAG-IBIG housing loan scheme!!!! WHY??

it is 100% guranteed!!! 100% safe!! with buy back pa pag hindi mo na kyang byaran..

then ipu pull out ung loan mo at ibbigay sa ibang borrower.

at pwede mo pang ipa assume balance sa mga ex. relatives, friends, or pede mo rin i post d2 sa sulit..

at maibabalik pa sau yung mga nabayad mo at mga napagawa mo sa bahay. ( internal arrangements nalang)

but of course dont forget to execute following documents such as DOAS,CTS, and SPA

pra safe ang both parties..

thanks for reading..

kindly check my post...

thanks ka sulit!!!

very well said!!! Locally employed or OFW may avail Pagibig housing loan provided that you are an existing Pagibig member with required number of contributions...

Just seek for a reputable developer or realtor for your own safety!

Deal only with licensed realtors!!!

Bank financing ranges from 9-11% at ang in-house ay nagsisimula sa 18-24% depende pa rin dito kung gaanu ka-tagal ang piniling financial scheme.