You may also fill out a duplicate of one’s most recent ITR one features a good BIR stamp. In my opinion for it you to, you’ll have to visit your RDO to obtain stamped.
If you are a great freelancer otherwise a business owner, you could potentially submit a copy of audited ITR and you will BIR stamp. We didn’t try this that because the We wasn’t the person who taken out the loan and that i failed to sign up for become co-borrower, but I do believe this would imply bringing the latest ITR, and just to be on the new safer side, the bookkeeping books, into the RDO.
If you’re working, you can choose fill out your specialized 30 days spend slip old about three months just before date regarding application. Jay made a decision to fill in about three so you can close the offer, haha! The guy including registered his COE and additionally them.
This can be into starting point. Pag-IBIG commonly determine your own submissions to evaluate the qualifications to utilize getting a property loan.
After you have recorded these files online, you’ll located a message compelling you to definitely purchase the fresh running fee. We repaid Php step one,000. Make certain you print out a duplicate of your verification of your commission. You’re going to have to give which so you can Pag-IBIG , also the almost every other criteria, once you have already been allowed to see its office using email address otherwise a trip.
Here you will find the data files that you should provide Pag-IBIG after you have come expected to submit your posts actually:
1. Most of the brand new copies of the data files you submitted on the very first processes, apart from the new selfie. You ought to also have your ID photocopied.
2. A duplicate of your own Unique Stamina of Attorney on the representative. (In case your manager isnt from the Philippines)
The cost of notarization hinges on brand new consented price of the home stipulated in your offer to offer.
They are going to along with ask for taking your own photographs along with your appropriate ID again. Now, it would be their workers who can use the decide to try.
Assessment phase
Due to the fact dining table officer looks more your documents and you can notices zero discrepancies, you might be expected to fund assessment payment. We paid off Php dos,000.
We were informed to attend getting a trip from a single of their staff about your agenda of the home assessment. What are the results while in the home assessment is because they will send agencies in order to inspect our home to find out if it meets their simple and criteria.
They called 3 days in advance of it visited. The new appraisers were at lay by the 8AM. They ran into the, looked new proportions and you will failed to very communicate with you that much. They simply ran to check for every single place in your house.
Next which was they. We had been told to go to for their email address whether the mortgage might have been accepted or not approved; but not, it currently informed all of us the household we had been seeking buy was short of step one meter wide on their requirements.
Mortgage Denied
We obtained Indiana loans a message out of Pag-IBIG officially stating that the latest size of our home didn’t satisfy the standards, and therefore is you to definitely. Which was the termination of the sense……for the moment.
We considered submitting a page off reconsideration, however the current email address obviously reported that we had to address the brand new question and you will commit to putting some required change, and that i failed to. Therefore we must undertake our very own fate and you will move on.
Oh well, no less than you will find gained an existence experience that we is also include in the future and show our very own high school students when it is its consider get their house. We were, definitely, distressed, however, we are going to keep all of our dreams until we finally select the lay we could name domestic.
