You can even fill in a copy of your current ITR one provides good BIR stamp. I do believe for this one, you're going to have to visit your RDO to obtain stamped.
If you find yourself an excellent freelancer or an entrepreneur, you can fill in a copy of your audited ITR and BIR stamp. I did not test this you to definitely just like the I wasn't the person who removed the mortgage and that i didn't join getting co-borrower, however, I believe this will mean getting your own current ITR, and only to go on the fresh secure side, your accounting courses, for the RDO.
When you find yourself working, you can decide to fill in your authoritative thirty days pay sneak dated no less than 90 days in advance of go out out of software. Jay made a decision to fill out about three so you can seal the offer, haha! The guy and submitted their COE also all of them.
That is to the first rung on the ladder. Pag-IBIG have a tendency to determine your articles to evaluate the qualifications to use to have a home financing.
Once you have filed these types of data online, might discover a contact compelling one to pay money for brand new control fee. I paid down Php step 1,000. Ensure that you print a duplicate of your verification of one's payment. You are going to need to promote which so you can Pag-IBIG , and the almost every other conditions, once you have been acceptance to check out their place of work by way of current email address or a visit.
Here you will find the documents that you ought to give Pag-IBIG after you've started requested add your write-ups really:
1. Most of the completely new duplicates of your own records your submitted from the first process, except for new selfie. You need to have their ID photocopied.
dos. A duplicate of your own Special Power regarding Attorney towards representative. (In the event the holder isnt about Philippines)
The cost of notarization will depend on the fresh consented price point of the property stipulated on your own package to offer.
They're going to also inquire for taking their photos with your good ID once more. This time, it would be their employees who can take the test.
Appraisal phase
Since dining table administrator looks over your write-ups and you may observes no discrepancies, you may be questioned to fund appraisal commission. We paid Php dos,000.
We were advised to go to for a trip from out-of their staff about your plan of the property appraisal. What goes on throughout the domestic assessment is because they will be sending agencies so you're able to examine our home to find out if it meets its fundamental and you will criteria.
They named 3 days before they decided to go to. The latest appraisers was basically in the put by 8AM. It went during the, appeared the newest specifications and you may failed to extremely communicate with all of us that much. They simply went around to check for every single area at home.
Then which was they. We were informed to attend due to their email if the mortgage has been approved or not acknowledged; however, they currently warned you that the home we had been seeking buy was lacking 1 meter wide on the conditions.
Financing Rejected
I obtained a contact off Pag-IBIG officially proclaiming that this new sized our house didn't meet its criteria, and that is actually you to. Which was the termination of our experience......for the moment.
I considered submitting a page away from reconsideration, nevertheless current email address demonstrably reported that we had to deal with the latest situation and you will commit to making the requisite alter, hence we couldn't. Therefore we needed to undertake all of our future and move on.
Oh really, at the very least i have attained a lifetime skills we is include in tomorrow and show our very own students when it is its move to get their residence. We had been, naturally, troubled, however, we will keep our very own hopes up to i fundamentally get the place we could name household.