You can also submit a duplicate of your own newest ITR you to has actually a beneficial BIR stamp. I do believe for it one, you’re going to have to visit your RDO to track down stamped.

While you are an excellent freelancer otherwise an entrepreneur, you could potentially submit a copy of your audited ITR and you will BIR stamp. I didn’t test this you to given that We was not the one who removed the mortgage and i also did not contribute to become co-borrower, but In my opinion this will suggest taking the latest ITR, and just to take new secure front side, the bookkeeping books, to the RDO.

Whenever you are functioning, you’ll be able to choose to complete the specialized 30 days pay sneak old at the least three months prior to time of software. Jay decided to complete around three to help you secure the deal, haha! The guy as well as registered his COE along with them.

This is exactly to the first faltering step. Pag-IBIG tend to evaluate your distribution to check on your qualifications to put on getting a home loan.

Once you’ve recorded this type of data on the web, you’ll located an email prompting you to definitely pay money for this new processing percentage. We repaid Php 1,000. Ensure that you print-out a duplicate of the verification of commission. You will need to give that it so you can Pag-IBIG , along with the most other standards, once you’ve already been desired to check out the workplace as a consequence of email or a visit.

Here you will find the documents that you ought to bring to Pag-IBIG after you’ve been expected add your documents myself:

step one. All of the unique duplicates of your own records your recorded from the basic processes, except for the newest selfie. You must also have your own ID photocopied.

dos. A duplicate of Special Electricity away from Lawyer into agent. (In the event your holder is not regarding Philippines)

The cost of notarization depends upon the fresh new concurred price point of the home stipulated on the deal to offer.

Might along with inquire when planning on taking your pictures along with your valid ID once again. This time, it will be their employees who can do the shot.

Assessment phase

Given that desk manager looks over your documents and you will observes zero inaccuracies, you may be questioned to cover assessment fee. I paid down Php dos,000.

We had been advised to wait to possess a visit from one away from their workers concerning your plan of the house appraisal. What will happen during the household appraisal is that they will send agencies so you’re able to always check our home to see if they suits the basic and conditions.

It titled three days in advance of availableloan.net emergency loan 400 credit score they decided to go to. Brand new appraisers was during the put from the 8AM. They ran in the, searched this new dimensions and you may don’t very talk to us this much. They simply ran around to test per room in your house.

Then which had been it. We were informed to wait because of their current email address if or not our loan has been accepted or not accepted; but not, it already informed you that the family we were trying purchase is actually short of step one meter wide on their requirements.

Loan Rejected

We received a contact of Pag-IBIG officially proclaiming that this new sized the house failed to fulfill the standards, and that was one. Which had been the end of our sense……for the moment.

We felt submitting a letter off reconsideration, but the current email address clearly stated that we’d to handle brand new situation and you may commit to deciding to make the called for change, and therefore i didn’t. So we was required to accept our future and you can move on.

Oh really, about i have gathered an existence skills that we can use in tomorrow also to train our very own high school students when it’s its move to pick their house. We had been, definitely, disturb, however, we will continue all of our dreams up until we ultimately get the set we could name home.