Transportation from Cavite to Metro Manila

Are you planning to buy a house and lot or a property in Cavite area? But you’re working in Makati, Ortigas, BGC, or anywhere in Metro Manila and you are not sure if Cavite has the transportation to reach your work? Then continue reading this article as we show you what is the best way to reach your workplace and how much you will spend on it.

Cavite is one of the most closest state in Metro Manila, with so many public transportation available in Cavite we guarantee that you will be in Manila in no time. Plus in few years from now the LRT Expansion will soon be available to all Caviteños. Below are some of the breakdowns on how much you will spend in order for you to reach Metro Manila, in this example the starting point will be in SM Bacoor. There are 3 possible ways for you to reach Manila and here are the following:

Riding a Bus:

Starliner bus going to Lawton. Photo credit to cavitebatangaslawton
Starliner bus going to Lawton. Photo credit to cavitebatangaslawton’s Flickr Page

Riding a bus is one of the most common transportation in Cavite, almost everyday you will ride a bus to take you from Cavite to Manila (vice versa).

Cost breakdown: (Aircon)

  • SM Bacoor to Coastal Mall – P25.00 (P20.00 for discounted)
  • SM Bacoor to Baclaran – P25.00 (P20.00 for discounted)
  • SM Bacoor to Lawton – P25.00 (P20.00 for discounted)
  • SM Bacoor to Ayala Paseo De Roxas – P25.00 (P20.00 for discounted)
  • SM Bacoor to SM Makati – P25.00 (P20.00 for discounted)
  • SM Bacoor to Ortigas – P65.00 (P52.00 for discounted)

As you can see these fare matrix is not that much high compare to other provinces. For a minimum fare of P25.00 you can get to Manila in one bus ride.

Riding a Jeepney:

Like in Metro Manila, Jeepney are also one of the main transportation in Cavite. If you want to feel the breeze in Coastal Road or you may want to save a Peso then Jeepney will be the best option for you.

Cost breakdown:

  • SM Bacoor to Las Piñas Zapote – P8.00 (P7.00 for discounted)
  • SM Bacoor to Coastal Mall – P15.00 (P12.00 for discounted)
  • SM Bacoor to Baclaran – P18.00 (P15.00 for discounted)
  • SM Bacoor to Pasay LRT/MRT – P18.00 (P15.00 for discounted)

Compare to Bus, the range of places you can reach is a bit shorter compare to Buses. But the best about Jeepney is the fare is much cheaper compare to Bus.

Riding a UV Express

If you are really in a hurry and wanted to reach Metro Manila, UV Express will be the best option for you. Because unlike Bus and Jeepney, this transportation has a different route that has minimal traffic volume compare to the first two transportation (Bus & Jeepney) that sometimes their route can be heavy traffic due to congestion especially if there’s a road improvement. But the fare of UV Express is much higher compare to others.

Cost breakdown:

  • SM Bacoor to Mall of Asia – P50.00 (P40.00 for discounted)
  • SM Bacoor to Baclaran – P50.00 (P40.00 for discounted)
  • SM Bacoor to Pasay LRT/MRT – P50.00 (P40.00 for discounted)
  • SM Bacoor to Lawton – P50.00 (P40.00 for discounted)
  • SM Bacoor to Ayala Paseo De Roxas – P50.00 (P40.00 for discounted)
  • SM Bacoor to SM Makati – P50.00 (P40.00 for discounted)

There you go, these are the most common Transportation that you can choose to reach Metro Manila from Cavite. Please do remember that the fare matrix I used is the current value from the day that this article was published.

Are you ready to stay in Cavite? Check out our House and Lot in Cavite and give us a call or you if you have questions regarding this article please don’t hesitate to leave a comment below.

** Featured photo credits to mastereiki Blogger

We help you find a property in Luzon

Are you looking for a property anywhere in Luzon? Our experienced Real Estate Brokers and Agent will help you find a property that we can guarantee will fit your needs.

Guarantee

For over 10 years, our Real Estate Brokers and Agents are highly experienced in terms of finding a right property for every Filipino. We make sure all of the listings we will provide to you, are perfect for your needs and will fit to your budget. We will never give you a property that does not match on your expectations. Plus we make sure that all real estate properties are Clean Titles and Authentic.

Our service of finding you a property is totally FREE, you are not required to give us any amount in terms of finding you a perfect real estate.

What we need for you?

We may require some information in order for us to find you a perfect fit to your property, below are the questions you need to answer.

  1. Where is your desire location?
  2. What is the property size you wish to purchase? (Example: 500 sqm.)
  3. How much is your budget?
  4. What type of property you are seeking? (Example: Raw Lot, or Commercial Lot)

If you can answer all these four questions, we can help you find you a property in a short period of time.

Let us help you find a property

Ready to hunt?

Our Real Estate Broker and Agent will accommodate you dearly, you may email us at inquiry@houseforsale.ph or you may call any of this numbers 0925-7090926 (SUN) / 0936-5161318 (Globe).

Why invest while you are still young?

Have you ever wondered, when you get into a marrying age do you want you and your future family have your own investment? If your answer is a YES then definitely this article is for you. Let me share to you some key points why you should really consider getting your own investment while you are still YOUNG.

Less Bills to pay

If you are still young and living with your family, I can guarantee that you pay bills that only from yours. Yes you are contributing to some expenses with your family, but still you are only sharing that is really good to your budget. Let say your net salary is around Php10,000 per month and your expenses is right around Php2,000 per month, you will still have Php8,000 left on your pocket. Now I know you are thinking you will buy some cool gadget or any stuff that you really want. But think about it for a second, and before you go to a Mall why don’t you save first for your future. Instead of wasting those hard earned money into a one time big time gadget, why don’t you take it slowly and save more for your future self. So here’s what I will do, if I have Php8,000 on my pocket I will take the 70% of it for my investment and the remaining 30% is for the things that I really want to like gadget or any stuff that will only useful for a short period of time. Go take a look on one of our listing, this subdivision in Tanza Cavite has a monthly amortization of Php5,330 per month now remember the 70%? This is where you will put it in, and guess what that 70% still has a change. Because 70% of Php8,000 is Php5,600 right? But the monthly amortization is only Php5,330 per month. The point of saving that kind of percentage is to make sure that all your hardwork will soon be rewarded, and best of all your parents will be so proud of you and your future family will no longer be renting a house.

Investment is the best gift for your family

Not yet married

Ofcourse if you just graduated, you are not yet thinking of having a family right? That’s good because if you are thinking about marriage and you don’t have any investment, that will be a bad decision. Because having a family has a lot of responsibilities that you need to fulfill. While if you are single, you have full control of your time and money. Now we are not saying that you go ahead and YOLO your self-out of the wild, there are things that you need to consider. Because a young bachelor like you needs to be slightly mature when it comes to your future, besides you will become a parent someday right? Always save up your salary not just for a gadget or in an expensive get away. Because when you reach to a certain age that you want to get married, you don’t want you and your future family relying on the past that you experienced before.

You are still STRONG

While you are still young, your endurance is at 100% you can go to work everyday without having a hard time because of your condition. That’s a good thing since if you invest while you are still young you will have a lot of fuel for you to finish up your house and lot. Imagine, when you start investing at the age where you have a family, when your house and lot is finished you are so exhausted because of too much effort and lack of juice left on your stamina. While if you are still young and you already had a house and lot not only you will spend so much time with your investment but you can still improve your property since you will still get an increase on your salary.

In conclusion, investing a property while you are still young is a very good way for you to secure your future and your family. My question is, are you willing to invest now, while you still young? Post your reply below and let everyone knows what you think :)

A good property in Molino Bacoor

Are you looking for a good property in Molino Bacoor? If yes, then you are in luck. Because this property is not only a good community, but the location is fantastic. The one I am talking about is a subdivision called Villa Arsenia, this European theme design is one of the best subdivision in Molino Bacoor plus it has a good location that you really want to consider.

Villa Arsenia is 15 minutes away to Manila via Coastal Road, and around the subdivision has different establishment such as SM Bacoor, SM Molino, St. Dominic Hospital,  University of Perpetual Help Dalta, and other necessity establishment that surely will give you what you need. Aside from many establishment around the subdivision. The community is great, it is quiet and the people inside the subdivision is friendly and accommodating.

How much is it?

I know that many subdivision in Luzon especially in the South that the prices of a house and lot are very affordable, in that case for Villa Arsenia that trend is their top priority. Starting at P27,000 per month (minimum of 15 years) you and your family will have your dream house a reality.

That’s affordable! But what does it look like?

We can guarantee to you that the quality and especially the look and feel of the house is amazing. Their European theme design house will surely give you stunning looks on your house. Plus with a lot area of 66sqm. will definitely give you enough room for your own improvement in and out of your property.

Joey Unit - Villa Arsenia
Actual design in Villa Arsenia

 

Alright you got me, but what are the payment options?

Villa Arsenia can be paid via In-House Financing or Bank Financing.

I Want to see the actual location?

We would love to give you a tour, our Realty will help you explore the Villa Arsenia. Just call us at 0917-5745259 / 0925-7090926 or you can send us an email at inquiry@houseforsale.ph

But wait I have so many questions!

No worries, our Real Estate Broker will answer all your inquiries. Just call or text us at 0917-5745259 (Globe) / 0925-7090926 (Sun) or you can send us your inquiries here.

 

How to Save Money

Are you thinking of saving some money starting today? But you don’t know where to start? Well worry no more in this article we will show you on how to save money even if you are a starter.

Find your Goal

It is important that you set a nice and a realistic goal. Because this will be the main reason why you are saving. A good example here is to set a goal for you to buy a house and lot. Or if you are a car enthusiast, set your goal to acquire your very first car. Setting a goal is not necessary mean that it should be luxurious, you can set your goal even a simple one like set your goal to make your family by means of getting the right kind of food and clothing. What’s important is to set some goal which make you inspired to save money.

How much you do I need to save?

Once you have your Goal, make it a habit that you want to achieve it. The next thing you want to do is plan how much you need lend for your savings.

Savings = Monthly Salary * 20%

The formula above is the ideal starting savings you want to try on. Because this kind of saving formula can still allow you to buy some groceries and buy other stuffs you want. Here in the Philippines our salary setup here are every 15 days if you are receiving a salary of 20,000php net per month it is advisable to save every cut-off more or not less than 2,000 php per cutoff that way every month you will earn 4,000 php in your savings.

Share it

Tell this to your family and friends on how you will save your money, because your family and friends will give you some good advice and support you about this nice action you will do. Besides having someone close to you can give you a moral boosts to pursue about saving money. I recommend that you also share your goal to the one that is close to you.

A Guide to Save Money

Find a Partner

If you have a partner in life or even a close friend, it is nice to have partner who will accompany you and help you save some money, you should ask your close friend or partner to save some money at the same time so you will be able to attain your personal goals. A good sport you may want to do is to make a friendly competition on who will be the most number of saved money every 6 months, that way you will be encouraged to save some money plus you and your partner will have good time.

The Bank

When time goes by and your money is now overwhelm the last thing you want for your money is to loose it right? It is very recommendable that you open an account just for your savings, because it will give you a very tight security on your money and you no longer have to worry where you will store it on your house. Plus what’s good with saving your money in a bank is that the money you save will gradually increase even if you are not saving, that’s because of the interest rate although not that huge interest but atleast you will gain something.

Increase your Savings

Every 6 months it is advisable that you increase your savings by 5% – 10% because by this time you either get promoted or your salary went high. Also make sure that you will always base your savings formula to your current monthly salary not the previous salary you do when you started this plan.

Guide to Save Money
Guide in Saving Money

Stay Happy

Always be happy and stay positive with your life, because the last thing you want in your life is to have a very painful and very tiresome life. Always reward yourself if you are getting closer to your goal, always check yourself if you are doing the right thing. Have fun with your friends and families, buy some stuff but don’t overspend. In order not to overspend, you must save or deposit your savings first before buying any stuff, that way you no longer need to worry that you need to save money on your wallet.

Keep Track

We all know that Expenses are one pain in an ass. But it is important that you keep track on all of those expenses so that at the end of the month you can check if you need to re-adjust your savings or make your saving a bit more higher.

GOAL!!

That’s it! That’s how you save money, be sure to check your goal each and every time so that it will keep you motivated in life.

If you have other concerns or need some advise in acquiring a property you can check our listings. You can give us a call and we will help you on your needs.

Investment in House

Is buying a house a good investment? If your answer is NO, then let me change that to you on why you need an investment for a House.

Security

The first thing you want in your life is to have a security, not by means of hiring a security personnel what I mean is by giving your family a place where you can stay for the rest of your life. It is very important that you have your own property so you no longer need to worry where your family will stay or worry about the rental fees.

No more Renting

Most of us are having problems with those monthly rental fees right? And the last thing you want is to pay every month just for you to stay warmth on your temporary home. I called it temporary because obviously you are just paying for you to stay on a house that is not truly yours. In order to remove that burden, your very first solution is to invest your own property, although you will still pay monthly amortization but the best part is that you no longer have to worry about the money you spent monthly. Because that expense you are paying is already yours after a few years you don’t need to worry about paying every month. Also if you compare your monthly rental to the monthly amortization on the property you will buy, it is very obvious less than the monthly fee. And what’s best is that some properties has a PagIbig Fund Financing this will greatly lessen your monthly amortization (If you want to learn more about PagIbig Fund please read this article).

You can do everything

If you are renting a house, your very first concern is that you cannot easily modify or change the way your house looks. And if you do it is very difficult to change it, because sooner or later the one you change cannot be yours. But if you have your own property you are very sure you don’t need to worry that someone will just cancel your plan just because of the policy. Plus you can decide all the details from tiles to very important electrical wiring you can decide it on your own.

Earn money

Yes you read it right, you can earn money if you invest your own property. You can earn money by means of rental. Yes, if you experience renting a house you will definitely had an idea how you can earn money by allowing your property to be rent. Another way by earning a money, is by selling your property. Because most of the property here in the Philippines does not depreciate instead it goes higher as the location gets commercialized and more people getting around the area. Another signal you can check if your property is good enough, if you have a SM (A large and well established mall in the Philippines) within the area, you can asure to yourself that the value of your property will not be less than the original contract price.

After thought

If you decided to buy your own property now, you can give us a call and our Professional Real Estate Broker will help you acquire your own property. Remember that a property is an investment of a lifetime, you and your family will be secured and will help them gain confidence. If you are one of those awesome people who acquired a property leave your experience below on how you and your family changed their lives.

Planning to buy a House

Are you planning to buy a house? Are you confused whether you want to buy a house as a Bachelor or as a Family Man/Woman? In this article we will help you decide on what type of house you want to buy.

The Budget

This is the most important part when planning to buy your own house, is obviously the need of money. Now you asked, what is the most least required budget for me to buy my own house? Well the answer is you need to have atleast 30,000 php.Why? Because most of the required down payment today are ranging from 20,000 to 50,000 php depends on the type of property. But you have to make sure that your current cash is not exact to the amount of budget you allocate to your property, the basic formula in buying a property is:

Cash = Down Payment * 1.5

Now the reason why you need to extend more than 1.5 of your down payment is to avoid the instant dropped on your savings. The last thing you want in your very first property is to have a very tight wallet.

Location, Location, and Location…

The next thing you want to do, is to decide which location you want to buy your own property. Go ask yourself, do you want your property to be in a city? Or just outside the city? If you are a working in one of the busy cities in the Philippines. It is advisable that you get your very first property within the vicinity of your workplace, so you don’t need to worry about being late. Plus it gives you more time to take rest, and you don’t need to fight along with our monstrous public utility transportation. If you have a family and wanted to have a calm and less noise compare to city, you may want to consider buying your property 10-20 kilometers away from the city, although you always want to consider your workplace so you have to balance and make some huge adjustment with your time. If you are working in Makati City, Global City, McKinley Hill, Pasay City, or even in Mandaluyong City. I recommend that you check some of the properties in Cavite, because not only it is close to the said cities, most of your basic needs or pleasure from the cities can be found in Cavite Area. To give you a good estimate whether you picked a good property or not, always check your time lapse between your workplace to your desire property and always check your property during weekdays because this will be a good time to simulate your travel time. A travel time for about 1 hour and 30 minutes is the very least you may want to consider the location, anything beyond that is not a recommendable place for your workplace. Because it will make your life too tiring because you will be overly exhausted not just with your work as well as your travel.

The size

3rd of the most important aspect in buying your own property is the size of your property. Today the most affordable house and lot’s least floor area is around 40 sqm. This kind of floor area is good for all starting family, because most of this property has atleast 1 Bed Room, 1 Toilet and Bath, and 1 Car Garage. If you have around 5 to 7 in your family, you should consider buying a property for atleast 100sqm. because with this floor area you can create atleast 2 to 3 bedrooms plus you can have a nice garage for your family.

Michelle House and Lot
A very nice house and lot in Tagaytay City

Perks

Now this is the fun part, you may want to consider the perks you can get if you purchase your first property. If you are a very sportsminded or simply loves Basketball you may want to check the ammenities that has a Basketball court within the area. Or if you are an avid fan of Swimming, you may want to check if a certain club house has a nice Swimming Pool. For kids who loves to play outdoor, a nice and very large public garden is a good place for your kids.

Ready to buy

If you are ready and all your desire property are in place it is time to look for a Real Estate Broker, because it is best to give your trust who has a license rather than to those who don’t have the authority or license to help you find your property. If you are looking for a Licensed Real Estate Broker you can give us a call.

Still looking?

If you are still looking for a property, I recommend that you visit our list of affordable properties in the Philippines.

How to buy a House and Lot through Bank Financing

Are you looking for house and lot? But the one you love does not have other option rather than through Bank Financing? In this article we will guide you on what are the requirements and important information to buy a house and lot through Bank Financing.

Requirements for Bank Financing

Banks here in the Philippines or maybe anywhere around the world, banks are really strict when it comes to their requirements. With that I recommend that you read through this list of requirements.

  • Certificate of Employment (If employed locally) / Contract from your Employer (If employed abroad / OFW)
  • Photocopy of Bank Statement atleast 3 consecutive months.
  • Photocopy of Salary Report / Payslip atleast 3 consecutive months.
  • Recent Income Tax Return (ITR).
  • 2 valid Government ID, below are the list of valid IDs:
    • Passport
    • Driver’s License
    • Philippine Regulation Commision (PRC)
    • NBI Clearance
    • Police Clearance
    • Postal ID
    • Voter’s ID
    • GSIS ID
    • SSS ID
    • OFW ID
    • Seaman’s Book
    • Bureau of Internal Revenue (BIR) Taxpayer’s ID
    • Firearms License
    • National ID
    • Diplomat ID
  • 2 recent Proof of Billing (Example: Meralco Bill, and Phone Bill)
  • 4pcs of recent 1×1 ID Picture.

Once you meet all the requirements, you won’t be need to worry if you’re application will be denied due to lack of requirements.

This house in Moonville Better Living Parañaque City allows Bank Financing.
This house in Moonville Better Living Parañaque City allows Bank Financing.

Things to remember

Aside from the requirements above, there are important information that you need to know.

  • Foreign nationals are only allowed to buy a Condominium Property. Although if the Foreign national is married to a Filipino citizen, it may allowed to consider to buy a house and lot.
  • Principal borrower must have an income source as a employee or from a business for not less than 2 years.
  • The amount of load you can receive is depend on the borrower’s capacity to pay and the appraised value of the desire property.
  • Downpayment are not shouldered in Bank Financing.

What are the banks that has Housing Loan?

Below are the list of Banks that you can apply for Bank Financing/Housing Loan:

What’s next?

Once everything is approved, the Bank Financing company will pay the full price to the property you wish to buy and all you have to do is to pay the Bank Financing company. Most of the time you have to pay them thru deduction from Savings Account.

Confused?

If you are having trouble understanding some details when applying for Bank Financing and you are looking for a Property that allows Bank Financing, you may contact us or you can leave a comment below.

For any concern or any misleading information please don’t hesitate us to tell us. Thanks.

How to get a house and lot through PagIbig

Every Filipino wanted to have home, although buying a house requires full commitment and focus in order to attain this kind of investment. Luckily our government has a service that helps us to achieve our dream by reducing the weight of cost on every house. That service is called Pag-Ibig Fund, for over 35 years in service, Pag-Ibig helps our fellow Filipino people to make their dream house come true by means of Loan. In this article we will guide you on how a very aspiring Filipino Citizen can obtain your very own house and lot through Pag-Ibig.

Am I Eligible?

It is important to know that if you apply for loan, you must first know if you are eligible to become a member of Pag-Ibig. The first thing you need to know is that if you are an employee or employer that has SSS or GSIS membership you are able to become a member of Pag-Ibig. Also if you are Uniformed members of the Armed Forces of the Philippines, Bureau of Fire Protection, Philippine National Policy or any kind of Public Service you are also eligible to become a member. And for Filipinos who worked abroad (OFW) whether deployed here or in abroad or a combination of that you are also eligible. As you can see that covers most all of the Filipinos right? In short, as long as you work and you attain any of the traits mentioned above you are eligible to become a member of Pagibig.

How can I become a member?

To become a member of Pagibig you must first register and submit the Member’s Data Form (MDF) with the required membership contributions. Also you are required to present a photocopy of your passport or a contract and a 1″x 1″ ID Picture. Once you have the requirements, you can go to the nearest PagIbig satellite office.

What’s next?

After you become a member, you have to make sure that you regularly contribute to Pag-Ibig Funds. If you be able to contribute for 2 consecutively years you are now eligible to use the Housing Loan Program. Before you go to Pagibig and get your loan, you must first select which House and Lot or Property you wish to buy. Once you are decided with the property you wish to buy, you must first reserve the property, then do the initial payment (FYI: Initial Payments are not covered by Pag-Ibig) then submit all the required documents for Housing Loan Program. Once your document is approved, Pag-Ibig will now pay in full to the developer of your selected property, then you as a member will only pay to PagIbig. That’s it! What’s next is to wait until your Dream Home built and become a Reality.

A very affordable House and Lot. Can be loaned through Pagibig
A very affordable House and Lot. Can be loaned through Pagibig

The Requirements

I know you are asking, Wait what is the required document for Housing Loan Program? In this chapter I will breakdown all the requirements in order to apply for Housing Loan Program.

Below is the list of Documents required upon Loan Application:

  1. Housing Loan Application for Revaluation (2 copies) with recent ID photos of borrower
  2. Membership Status Verification Slip (MSVS)
  3. Original copy of updated Real Estate Tax Receipt or Tax Clearance and Tax Declaration
  4. Income Documents: (except for Legal Heir)
    • For Locally Employed, any of the following: 
      • Notarized Certificate of Employment and Compensation (Employer’s format) and for government employees one (1) month payslip, within 3 months prior to date of loan application.
      • Latest Income Tax Return (ITR)  for the year immediately preceding the date of loan application, with attached W2 form, stamped received by the BIR/Certificate of Tax Withheld (BIR Form No. 2316)
    •  For Self Employed/Other Sources of Income, any of the following:
      • ITR, Audited Financial Statements, and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit.
      • Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months)
      • Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances, pensions, etc.)
      • Copy of Lease Contract and Tax Declaration (if income is derived from rental payments)
      • Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for other Public Utility Vehicle or PUVs)
      • Certificate of Engagement issued by owner of business
      • Other document that would validate source of income
    • For Overseas Filipino Workers (OFW), any of the following:
      • Employment Contract (with English translation if in foreign language)
      • Original Employer’s Certificate of Income (with English translation if in foreign language). If document submitted is photocopy, it shall be duly validated and certified/initialed by Pag-IBIG Fund Information Officer assigned in the country where the member works.
      • Other Proofs of Income, whether original or photocopy, shall be duly validated and certified/initialed by    Pag-IBIG Fund Information Officer assigned in the country where the member works.
  5. Additional Requirements
    • For Legal Hires – Deed of Extra-judicial Settlement of Estate
    • For Borrowers over 60 years old and whose loan term has not yet expired or the outstanding loan obligation is over Two Million Pesos (P2M) up to Six Million Pesos (P6M) – Health Statement Form (Medical Questionnaire)
    • For Borrowers with family member/s included on the computation of aggregate income in the application for loan revaluation (except for legal heir)
      • Birth Certificate or any proof of relationship
      • Marriage Contract ( For married borrower’s, spouse or family member/s )
    • For OFW members who cannot file their application in person
      • Special Power of Attorney (SPA) under the following cases:
        • For OFW member – notarized prior to date of departure or duly certified and authenticated by the Philippine Embassy or Consulate in the country where the member is staying, if abroad. If SPA is without the red ribbon of Consulate Office, the SPA must have a duly stamped notarial seal.
        • For physically incapacitated member – evidenced by a medical certificate.

Below are Documents required upon Approval:

  1. Loan Agreement (for REM Accounts)/Loan and Mortgage Agreement (for CTS Accounts)
  2. Duly notarized Promissory Note
  3. Pag-IBIG Fund Receipt (PFR) representing payment of one (1) year insurance premium and first monthly amortization if thru salary Deduction (If applicable)

If you meet all the requirements, you can rest asure that your application will have a guarantee of approval.

Still confused?

If you still confuse and don’t know what to do, don’t worry we can help you. Give us a Call and we will help you in a very nice and professional way. You can also leave a comment we will answer it to you asap.