Nice video, Me-An. 👌😍🎉 Napapangiti ako while watching your video kasi na-experience ko lahat ito. Lalo na yung sa income requirements, pigaan talaga tsaka super pakiusap talaga para ma-maximize yung loan amount na puwedeng i-grant sa'yo. Awa naman, I'm still happily paying off my home loan. 🙏🤭🏢 Keep it up and more power! 💐🌟🙌

Agreeng agree ako sa 3 to 6 mos balance palang dapat nilalakad na bank loan application. Ang nangyari sakin noon, after ko pa nafull balance tsaka ko nilakad kasi di ako nasabihan ng Broker ko na ganun pala. Nakakataranta tuloy. Buti na lang inextend ako ng developer. Thank you for the informative video, Me-An!

Good Job Ms! Dami ko ng masasagot sa mga tanong ni client regarding sa homeloan niya. DMCI HoMes agent here. :D

Suggestion lang po, baka pwede tanggalin yung animation sa subtitles, nakakahilo po kasi basahin and nakakadistract din :)

Omg!!! Salamat sa video kabayan ❤❤

Im so happy on my friend who works in a bank. Naclarify niya sa akin about sa loan for the house or condo. Although I can afford, still the cost is massive kahit OFW ako earning 6 digits. Patience is such a virtue. Kaya save save save. Pag di kaya wagpilitin baka kasi maremata lang ang pinaghirapan mo.

Hi,do you have video kung ano ang processo ng pagbili ng fully paid condo directly from owner? Link naman pls. Thanks

Maraming salamat sa free education po. VERY helpful!

Kudos syo mam...napaka informative... Direct to the point tlga...

Question lang po. U did say “3-6 months before d remaining blance is due”? Whats d purpose of housing loan kung gnito nlang kaunti ang dpat mong byaran pra sa property?

5:23 If you want to know your credit score.

Paano po mkpag check ng credit score if ofw ka ... security bank and rcbc

Madam, pa shared naman ng info. about pag commercial and residential bldg. ang itatayo. and if san pwede mag loan, thru Pag ibig or bank. thank you madam God Bless po. More ❤️❤️❤️ very informative vlog

Hi Ms. Me-An, can you please do a content about House/Property Insurance and kung necessary ba sia or optional for both Condo Unit and House and Lot. Thank you and More power to your channel. I hope mabasa mo ito :)

questions naman: 1. Kelan dapat magbayad ng downpayment? before i-release ung LOG from the bank ? tama bang requirement yun ng bank bago irelease ung LOG? 2. Kelan dapat pumirma ng Contract to Sell? 3. Anong guarantee ng buyer na di sya tatakbuhan ng seller if nagbayad na sya ng down pero in progress pa yung LOG at paglipat ng title? malaking amount din un (usually 20-30 % ng price) Thanks!

Thank you for sharing this information!

Hi maam. Thank you for your infromative videos 👏👏. When filling up loan forms for Ofw, do we need to include loan abroad? Thank you

What if I don't have a credit history in the Philippines but have excellent work and credit history in the U.S., will I be approved for a loan in the Philippines? Thank you for sharing your knowledge on your KZfaq videos, it's very helpful and informative.

Thank you for the very informative video! Learned a lot. Ask ko lang po if pwede maghousing loan if bibili ng vacant lot sa US? Ty po and more power!

Hello po, ask lang po. How long does the bank approve the home loan application? Kasi po 7months na po wala parin pong update.

Thank you so much for this! Super helpful!

What if nababayadan naman un DP sa developer pero hindi na approve ng bank? Example, Lancaster Alice unit 1.9M TCP May option bang inhouse financing sa Lancaster na direkta? Pede rin ba PAGIBIG if hindi na approve s bank?

Hi po. What if Self-employed pero less than 2 years pa yung business?

Hello, wala naman akong problem sa mga requirements, may 1m ako sa bank and nagwowork dito sa pinas, almost 7yrs na rin ako sa Company ko, yung pagpapasa ng income tax, what if yung asawa ko ay walang income tax, sabihin nating walang work for almost 6 or 7yrs, magkakaproblem ba ko? Sumaside line side line lang kasi sya.

If you also have commisions on your job how would the banks consider that? I heard po kasi commisions are valued at only 50%

Thanks. a Lot! You’re really good!👍👍😊

Hello po maam...na approved na po loan ko sa bank 1850000 pero nagulat po ako sa bank fees 37k ganun po kamahal...

Thanks for this video. I had gotten a loan but 2 years after a second condo turned over and i had to give it up because i didnt qualify for a second loan. It was a lot of disappointment.

Hello mam subrang ganda at full deatails yung explanation💓 gusto ko po sana mag tanong if pano mag loan ?ng housing loan ? Kc po firstime ko palang , at wala din ako alam kong pwde ako kc wala akong mga card holder, as in firstime sa banko sana kong matuloy ako mag apply.

Very helpful Ms. Me-An! :)

Hello Ms. Me-An, I'm wondering if you could help me with housing loan process. I purchased a pre-selling lot from Avida Land. Thank you!

Informative Video. Thank you for sharing po! :)

Do you happen to know if a US pensioners are eligible for a home loan? If we are w/my wife , what are the requirements? Thank you

Hi po Ma'am, for example po mag loloan ng 4M sa bank, ano po kaya minimum income ang kailangan?

Nice Video po. Very informative. About sa basic documents po. I'm not legally separated yet kasi. Pag nag home loan ako requirement ng bank are IDs from spouse. Maapproved p din po ba yun loan ko kht wla ako maibigay na docs from my ex-spouse.? Though my work nmn ako, wla naman dn ako loan s ibang banks at kumpleto ko s iba docs n need ng bank except lng s ID's ng spouse at signature. Kasi nga separated na.

Hi ma'am, pede po ba akong mag house loan sa bank pero kasi un bibilhin ko rights only lng, naaapproved po ba sa bank un?

Hi.... need advice... regarding bank financing, may bank approval na and after paying the downpayment and the developer ask for letter of guarantee... the bank rejected the loan... may possibility ba na ma refund full ang nabayad

Maraming salamat po sa pagbahagi nito madam, may natutunan ako dito

I am learning from your contents. Do you have video on how to refinance my existing loan to this new bank low rates? Or maybe how can I compute to reconsider doing such? Looking forward po. TIA

Gawa ka naman po ng video kung paano magsangla ng house & lot sa bank. Gusto ko kasi gamitin ang loan para makapundar ng panibagong property. Salamat po.

Yun case po ni ate, nakakuha na sya,as in ok na po Yun down payment nya, Yun house loan SA bank declined sya SA BDO Which is dahil SA credit card nya,Pero na ayus na fully paid na Yun mga credits nya.and ongoing p po Yun isa pa banko China bank for house loan, Question po marefund pa po ba Yun DP nya? Nag email Kasi Yun developer na for cancellation na Yun bahay nya,.. currently NASA abroad Yun ate ko. Sana po masagot.. thank you

Hello po. I'm so glad I stumbled on this video. Very informative. Itatanong ko sana kung pwede ba mag co maker husband ko kahit foreigner sya? I was anticipating kasi na by the time na malapit na mag turn over at need na mag apply for bank financing e may work na ako. But life happens. Hanggang ngayon stay at home mom parin ako and I'm supposed to go to school later this year. So yun nga, pwede po ba si husband ang mag co maker para payslips nia and letter of employment nalang e susubmit ko? reported naman po marriage namin sa Philippines, naka joint account din kami dito pati sa taxes if they will need it if ever. I also send ing money to the philippines regularly. Sorry, I'm getting worried na kasi. I'm hoping na masagot nio po ako. Salamat po.

Hi, glad I saw your vid. Ask sana ako. Parents ko ay OFW sa NZ. Awaiting pa sila sa resident visa nila at hindi sila pwede makapadala ng more than 150K kasi last time pinadalhan nila ako ng 100K tumawag yung bank sa NZ dami questions at baka mareject at madelay pa application nila. So to be safe di muna sila magpapadala ng malalaki after nalang sa RV nila pwede na sila makapagloan dun ng millions sa NZ. But may car loan din ngayon stepdad ko sa BPI PH. 5 years pa matatapos at hindi papo nag 1yr yung car. Makikita daw yan sa banks na may ibang loan at baka ma reject for housing loan. Balak sana nila kumuha ng mga old houses na pwede bank loan at ipaparenovate nila once mapaid na yung house. Metrobank yung bet nila kasi may account na sila dun. Question ko po, ganu katagal yung application ng bank loan incase? At may ilalabas ba sila na pera before sila mag apply? Sa car loan kasi 1 week lang samin approve na kaagad. Malaki po sahod ng parents ko. 250K a month dad, 150K yung mom ko kaya mabilis. Kaso yung owners ng mga bahay doubtful sa bank loan, ano ba possible reason bakit umaayaw sila sa bank loan? Sabi kasi nung last na nakatransact namin, natatakot daw siya maggive ng documents samin. Ang sabi ko naman di ko kukunin yung documents not unless paid na siya ni bank. Pero scary daw. Ewan ko. Ano ba meron sa ganyan po? Pa enlighten sana ako. Thank you po in advance if ever masagot at may makasagot!

Very nice explanation,galing!

Hi Ma’am, bakit ngayon ko lang nakita itong video niyo. Sana napanood ko muna to bago nag-apply ng housing loan. Haha! Napaka informative po. Salamat! May question po sana ako magbabakasakali na alam ninyo. After po ba maapprove ng bank yung loan application, mag CI po ba ulit ito sa current employer before mag release ng payment sa developer? Usual po ba itong ginagawa or may instances lang na kailangan nila itong gawin? Salamat po!

Hello po. Thank you for the very informative video. Pag po ba spot downpayment nang pre selling house&lot, kailangan napo agad ang Letter of Guarantee from the bank?

Ma’am Me-An, good day po! Very informative po sakin itong video. Meron lang po ako katanungan. Kumuha kasi ako ng hulugan yung DP na property. Yung value is worth 5.1M. Meron po ako stable job sa Pinas with 130k gross salary. Yung problema ko now is yung nabanggit na collateral. Kung wala pong collateral pero meron co-borrower if ever, ma-aapprove din po kaya?

i live in California and a US citizen. I would like to buy a two-bedroom condo in BGC but would not like to tie up my assets paying for full amount of the condo at BGC. Would it be difficult to acquire a condo loan in PI if going to use it as my 50/50 secondary residence away from USA? I have good credit. Thanks.

Hi mam paano po pag walang land title?

Paano Po pag tax Declaration lang Ang Meron sa Bahay at lupa na bibilhin ko sa tiyahin ko? Pede Po ba un? Karamihan ng Bahay at lupa sa brgy Namin Puro taxdec Lang daw Po eh. Wala pong Title.

May nakukuha akong disability compensation which is tax free. Meron ba kayong formula para i set siya for gross so ang debt to income ratio is lower?

Super helpful!

Very informative!

❤thanks maam nkakalito lang po

Hi po. Pagpasa ho ba ng kumpletong requirements sa PAGIBIG, gaano ho katagal ang approval?

Hi mam, ask ko lng po kung mataas ang chance of housing approval kapag maganda ang credit history and mataas ang credit score? Kay lng po wala pa pong work, lagi lang advance mgbayad sa creditcards and condo downpayment po for now. Ano po maganda gawin? Pati sa pagibig housing loan need or must tlga may work for documentation?

it's not possible ba talaga makapag loan kapag walang net of income or income documents? nag buy and sell business lang kase ako. gusto ko sana mag home loan para makabili ng property at para gawin boarding house business dito sa city namin.

Hi, ask lang po sana since one of the requirements is yung income, sadly di po pasok yung income ko sa required ni bank, but I have savings sa bank around 300k-400k and yung value nung iloloan ko is 1.3M, may possibility po kaya na ma approve yung housing loan? Thanks po. ☺️

Hello po, pwede po ba bumili Ng foreclosed property pero iloloan ung "pambili" sa ibang bank. Kumbaga ung Bank B and magbabayad or "bibili" sa foreclosed property ni Bank A tpos since c Bank B n ung nagbayad or bumili on behalf of you, Kay Bank B kna magbabayad Ng monthly payments/mortgage. Kasi may mga gantong naririnig ako s ibang buyers. Too at possible Po ba ito? Thanks

Question: Pwede po ba mag advance payment charge to principal sa bank housing loan? Thank you.

Hello Me-an can do me i favor! what you can suggest about my upcoming turn over of the Condo Shore 3 December 11, 2022 i want to apply a loan with your guidance before i go back in the Philippines.

Good PM this is eric de leon Ms Me-An may tanong ako Trying to buy a property Ang naka register land and house Then napatayuan ng apartment pero di pa na register un apartment Will that be a problem?

hi mam npaka informative ng vlog m

Hi Maam Good Eve..Mag loloan po sana ako ng malaking amount sa banko at ipang collateral ko po sana yung house and lot ko,,,may chances po kaya na ma grant po yung loan ko lalo na po na aalis po ako sa trabaho to focus on my business

Posible kaya ma aproved yung housing loan sa banko kahit 500k then 5years to pay? Ofw baka kasi ma decline wla nman akong utang sa kanila..

Hello po ☺️ question po, what if may extra income po ako na hindi po nadeclare sa ITR such as mga pautang po pero nagrereflect po sa bank statement? Icoconsider po kaya un as part ng income sa DTI ratio para maapprove ung loan? Thank you!

Hi po madam.. baka po pwedeng matulungan nyo ko sa home improvement loan sa pag ibig.. baka pwede nyo po gawan ng content po. and differentiation na ren po ng home improvement loan ng pag ibig versus housing loan ng banks po.. thank you and more power!

Hello Ms. Me-An, what if natural born Filipino pero US Citizen na po ngayon? Pwede pa rin po ba magapply ng loan?

Hello po. Im applying for home loan to bdo. But ang bagal ng processing. I think 1 month na nasa appraisal assessment p din. Nagstart n din kase ung construction and i will only loan for 80%. May credit card ako at wla din ako installment. So nkkainip bka mtapos n ung 20% share ko wla p ung loan. Maliit lng ung bhay mbilis nla mggawa at mauubos ung inissue ko n funds

Thank you very informative

thank you for this video ma'am. So Informative

hello po maam papanu po b ang tamang process after nmin reserve yung unit? need po ba nmin maghintay nang approval nang bangko bago kami mag proceed sa down payment or need nmin na mag down payment kahit wala p po kming approval na natatanggap ?at anu po yung pre-approval?may ganun po ba?

Maam what if yung bahay na kukunin is under NHA tpos bnbenta saamin, makakapag loan po ba kmi? Hndi sya yung kagaya sa mga preselling houses na may developer. Ano po process nun.

Gaano po katagal ang processing para ma approved ang home loan sa bdo bank

Hi ma'am pa notice po , very impormative po talaga ang video niyo .. ofw po asawa ko at may plano kami mag housing loan kasi may binebente pong bahay dito malapit sa tinitirhan namin .. pwede po ba ako ang mag apply kahit onboard asawa ko may allotment po ako sa kanya at wala po kaming ibang loan ..

tanung ko lng po kung pwedi ba gamitin as collateral ang land title ng agricultural land para po sa loan ng house construction pero sa ibang location po na hindi pa titled .thanks po

Hi! How long po yung processing ng sa bank housing loan and pagrelease ng pera to seller? Saan po kayang bank ang pinakamabilis na mag approve and release ng money?

Hi, how long kaya bago mapprove home loan. Sabi nung loan officer good naman yung application ko pero 1month na sila nag-crecredit investigation. Nagdown na kasi ako so may deadline yung full payment. Bakit antagal, sabi nila 7 banking days lang decision.

Is there a FICO credit scoring in the PH? I know in US, that's how they determine loan approval and interest rates.

Can I be approved in the bank there kahit wala nmn akong pera SA bangko Jan? I’m here in the u.s . How do I build my credit score there if I don’t reside there

My unit/developer is not accredited with PagIbig. May I still apply with PagIbig?

Hi, ask ko lang pag dating sa collateral, kung sakaling ma-approve ang application, may maximum of years lang ba na pwede mabayaran ang loan mo? Thank you.

Hi Ms. Me-an, ginawan po ako ng supplementary credit card ng sister ko 8 years ago, then may mga balance and interest pa siya na hindi na nabayaran until now. Possible po ba maka affect din yun sa credit score/report ko since andun name ko sa supplementary? I'm about to apply na din po kasi for a bank housing loan. Thanks po

hi. ms mean.. si seller po humihingi ng cashout kay buyer doon sa asking price ng house na iresale nya, then ung balance thru bank loan na.. May a bayad pa din ba si buyer sa bank ng 20%?

Hmm may unsettled credit card po ako, will it affect ba my pagibig housing loan? Thank you!

hi maam, ask ko lang po if you have any idea na pag home loan sa banko usually how many years to pay po? thank you :) just saw your videos today and its all very helpful :)

May question po ako, si bangko po gusto niya na itransfer yung title from old owner to new owner kahit na downpayment pa lang po yung nababayaran ni new owner, okay lang po ba yon? (Fully paid na po btw si old owner sa bank) Ano po bang process po talaga nito?

Hi po mam, Ask lang po. Kumuha kami ng house and lot sa isang developer last 2021. Ang amount is 2,750,000 Then 20% dp Payable for 24 months By 2023 2nd quarter matatapos na ang dp namin which is 550,000. Ngaun po nag babalak kami kumuha ng sasakyan, Monthly ng sasakyan is 23,800 For 5 yrs. Tingin Nyo po mam May chance kami ma aapproved sa housing loan namin tru bank financing. Monthly income as employed is 65k plus other income as part time accountant, Total of roughly 80k Salamat po

Hi ma'am, pwde po bang magloan kung ung account q po ehh pang atm for salary po? Salamat po🙏

Hi, possible po ba ako maapprove if wala po akong credit records? Sa bpo po ako ngwowork mga 2 yrs na then nagoonline selling din mga 1 yr. May savings ako sa 2 banko then plan ko mag add ulit ng savings account sa ibang bank naman. Plano ko p kasi sana magloan para additional sa gagastusin ko to continue po yung pang build ng apartment,for buss. Purposes po. 1st time ko po mag aapply at wala po talga akong idea sa process ng bank loans.

Hello, can i request for a higher home loan amount vs the TCP? Example, the property cost 4m, and i want to loan 4.5m - will the bank allow it? I don't have enough cash to pay for the 20% of the 4m that is why I am thinking if I can loan 4.5m to lower the downpayment I need to pay. If that is allowed by the bank, I will only need to pay the downpayment worth 400k (which is 20% of the 4m) and not 900k (which is 20% of 4.5m), right?

Hello po maam me-an new subscribers po sa channel nyo maam. OFW po here in KUWAIT maam. Very informative po ang video nyo maam. Tanung kulang po maam sana po mabigyan po ng sagot nyo. Mag start na kasi po ako sa January 2022 ng monthly payment for may down-payment po sa kinuha kong condo sa pasay. centralis tower by avida under company ng ayala land po maam. 14k for 60month ko po yun maam babayaran yung sa down-payment. Now ang worries ko lang po maam Baka pag natapus kuna mabayaran yung down-payment sa condo is yung sa Bank loan naman po. Baka ma reject ako . Pano po yung na down-payment ko pag ganun?

Thank you for sharing this very informative video. How can I request my credit score and report sa CIBI?

Hi po! Question Ms. Me-Ann, may regular job naman ako, kaso idadagdag ko yung salary ko na nakukuha ko sa pag freelance via paypal. Valid ba ang paypal as a proof of income pag may regular job ka pa? Thank you po in advance!

Pano naman ung di na approve ng credit card pano ka magbibuild ng character? Sobrang baba naman po pala ng DTI.

Hello! Mam, pwede din po ba gamitin ang land tittle pag magapply kmi ng personal cash loan?

Ms. Me-An. May home loan options ba for low income earners at walang ITR dahil freelancer?

Hello Miss I would like to ask about about credit score, pwedi ba credit score sa ibang bansa? Wala akong credit card sa pinas, pero meron akong Pag-ibig loan which is almost done na. Kelangan bang in person talaga ang pag transact ng loan? Kasi I only have 3weeks maximum vacation/per year.

Thabks for the informative content. I and hubby are planning to apply for a mortgage loan, he is locally employed and I'm an independent contractor outside PH. what's the % of us getting approved?

Hi maam, ask ko lang po kapag magbabank financing na after maghulog ng downpayment sa developer, since 80% po ang allowable loanable amount, what will happen po for the 20%? Paano mamemeet kung 100% amount na need mo iloan sa bank kung 80% lang ang iaallow nila? Salamat po.