I am not a Pag-IBIG Member, How Can I avail a Housing Loan?

I am not a Pag-IBIG Member, How Can I avail a Housing Loan?

"I am not a Pag-IBIG Member, How Can I avail a Housing Loan?" This is the question that I always encounter of those interested in our affordable house and lot in Bulacan.  Most of them are OFWs who are working abroad to provide the needs of their family and eventually buy their own house and lot.

My response on their concerns is that they can still avail the Housing Loan thru Bank or In-house Financing or they can sign up as a Pag-IBIG member. Let us discuss here the three (3) Financing options available to the buyers.

Bank Financing

Bank financing allows you to get lower rates as compared to Pag-IBIG and In-House Financing. However, Bank offer shorter terms as compared to the 30 years that Pag-IBIG is providing.  Also, Bank will charge you with a bank fee which is usually 3% or more depending on the bank. 

In-House Financing

The Developer offers In-House Financing to cater those buyers who have problems with documentation.  The interest rate for In-house is doubled as compared to Bank or Pag-IBIG.  This is for the reason that the Developer is the Seller not a Financing institution.  More often than not, we do not recommend In-house Financing as Bank and Pag-IBIG is more favorable to the Buyer.

Pag-IBIG Financing

Pag-IBIG Fund is a government agency that provide housing loan benefits to its member.  In the Philippines, a locally employed or self-employed individual are required to be a Pag-IBIG member. OFWs are also mandated now to be a member under Pag-IBIG Overseas Program (POP). As members, you can avail a housing loan provided you are already qualified to get one.

Qualifications include, a Filipino Citizen, member of Pag-IBIG with updated monthly contribution and at least have 24 months of total contributions already.  As of now, if you're not yet a member of Pag-IBIG, and you want to avail of the housing loan to buy an affordable house and lot in Bulacan or other areas.  What you should do is just apply for a membership.  You can now pay the 24 months required contribution in lump sum payment (1 time payment).

I hope that this article helped some who have concerns on their Pag-IBIG membership.

If you have queries, feel free to contact me, Mr. Ralf Roger Tagao, a CPA and Licensed Real Estate Broker.  You can refer to our Contact Us Page.

Affordable House and Lot at Villa Zaragoza, Bocaue Bulacan

Affordable House and Lot at Villa Zaragoza, Bocaue Bulacan

Villa Zaragoza is an 31.2 hectare property development located at Brgy. Turo in the prime area of Bocaue, Bulacan which combines affordability and quality in housing with 3 aesthetically mastered housing varieties, a number of featured amenities, array of establishments nearby you'll surely have nothing more to ask for. Choose from the single attached units, duplex units with or without garage and townhouse. Features include entrance gate with guardhouse, clubhouse basketball court, centralized water supply, concrete roads, curbs & gutters, underground drainage system and meralco electrical system.

Offers quick access to schools, hospitals, shopping mart, fronting a private resort on one of the entrance. Very near in NLEX via Bocaue exit and Philippine Arena which is expected to be the World's Largest Domed arena, twice the capacity of Araneta Coliseum - a major spot for local & international events.

Accessibility

• 5 minutes away from NLEX

• 30 minutes away from Metro Manila

• Near Iglesia ni Cristo’s Philippine Arena,

   known as the second largest dome in the world

• Near St. Paul College of Bocaue & IS Montessori

• Near Bocaue Municipal Hall, Bocaue Public Market

• Near Bocaue Exit

• Near Dream Wave Resort 

HOUSING SPECS & AMENITIES

Housing Specifications

• Long Span Colored Roof

• Steel Roof Framings

• Tiled Bathroom

• Steel Casement Windows

• Complete Toilet & Bath

• Complete Electrical Wiring and Fixtures

• Complete Water/Plumbing Pipes & Fixtures

Amenities

• Entrance Gate with Guardhouse

• Multi-Purpose Hall

• Playground

• Basketball Court

• Centralized Water Supply

• Concrete Roads, Curbs and Gutters

• Underground Drainage System

_________________________________________________________________________________

Are you a Married Couple that is looking for an affordable house and lot in Bulacan?

Are you renting in metro manila and now you wanted to own a house instead of renting?

Are you an OFW and want to invest a house for your family?

Are you a local employee and want to own your dream home?

Or a person that is looking for an investment?

Then maybe, this is a perfect site for you to find an affordable townhouse or house and lot.

It's time to take the first step of owning your first home, Contact Now our Trusted Licensed Real Estate Broker and CPA, Mr. Ralf Roger Tagao at 0922.879.7968/0935.317.2057 to know the details of our affordable house and lot in bulacan area.

Top 5 Reasons Why You Need to Buy a Townhouse at Sonoma Residences Sta Maria Bulacan

Top 5 Reasons Why You Need to Buy a Townhouse at Sonoma Residences Sta Maria Bulacan

1.) AFFORDABILITY

Townhouse unit at Sonoma Residences are the most affordable townhouse in Bulacan.  Unit price averages P700K only for lot area of 36sqm and floor area of 44sqm.

2.) ACCESSIBILITY

Sonoma Residences is in the heart of Sta. Maria, Bulacan, (Located in Brgy. Sta. Cruz, Sta. Maria, Bulacan, Philippines)- an affordable housing by New Apec. Accessible to transportations, Schools,

Church, Markets, Malls and other Commercial establishments.

• 2 rides from Baclaran (bus via NLEX / tricycle)
• 2 rides from Ortigas, Ayala (bus via NLEX / tricycle)
• 2 rides from SM North, Trinoma Mall, MRT, LRT (bus via NLEX / tricycle)
• 2 rides from Divisoria (bus via NLEX / tricycle)
• 2 rides from Sta. Cruz, Manila (bus via NLEX / tricycle)
• 2 rides from Monumento, Caloocan (jeepney via NLEX / tricycle)

3.) NEARBY ESTABLISHMENTS

Sonoma Residences is very near to Malls and Commercial areas namely:

Malls and Supermarkets

• Walter Mart Sta. Maria
• SM Savemore Sta.Maria
• Puregold Sta. Maria,
• SM Marilao
• Soon (SM Sta Maria)

Government Agencies

• Sta. Maria Municipal Hall
• Sta. Maria Police Station
• Sta. Maria Fire Station

Schools

• Sta. Cruz Elem. School
• Sta. Clara Elem. School
• Sta. Maria Central School
• Fortunato F. Halili National Agri. School
• Sacred Heart Academy,
• St. Paul Sta.Maria
• PUP Sta. Maria
• STI Sta.Maria
• St. Joseph College Sta.Maria
• ICI College

Churches

• Iglesia Ni Cristo chapel (Sta.Maria locale)
• Sta.Maria Catholic church

Hospitals

• Rogaciano M. Mercado Memorial Hospital (government),
• Mendoza General Hospital, Mateo’s general hospital

Others

• Philippine Arena (approximately 10-15 minutes drive)

4.) Trusted Developer

New Apec Development Corporation has been in operation for almost 20 years now. New Apec has already delivered more than 30,000 homes to Filipino Home Buyers.  Also, New Apec, has been awarded by Pag-Ibig as Top 1 Developer in terms of loan take out.

5.) FLOOD FREE SUBDIVISION + AMENITIES

There is an underground Drainage system that makes Sonoma Residences a Flood Free Subdivision

Amenities

• Entrance Gate with Guardhouse

• Multi-Purpose Hall

• Playground

• Basketball Court

• Centralized Water Supply

• Concrete Roads, Curbs and Gutters

• Underground Drainage System 

Are you a Married Couple that is looking for an affordable house and lot in Bulacan?

Are you renting in metro manila and now you wanted to own a house instead of renting?

Are you an OFW and want to invest a house for your family?

Are you a local employee and want to own your dream home?

Or a person that is looking for an investment?

Then maybe, this is a perfect site for you to find an affordable townhouse or house and lot.

It's time to take the first step of owning your first home, Contact Now our Trusted Licensed Real Estate Broker and CPA, Mr. Ralf Roger Tagao at 0922.879.7968/0935.317.2057 to know the details of our affordable house and lot in bulacan area.

Top 5 Reasons Why Purchase a House at New Apec Development Corporation

Top 5 Reasons Why Purchase a House at New Apec Development Corporation

ABOUT NEW APEC

Driven by the desire to redefine the concept of low-cost housing, The New APEC Development Corporation focuses its efforts on building aesthetically appealing residential units and offering them at values much affordable to the aspiring Filipino family.


Since its establishment in 1997 and after over 30,000 homes sold, the company continues to prove its worth as a housing partner through constant transformation of untapped lands into ideal residential communities. Because it is every family’s hope to dwell in a safe, convenient, and comfortable environment , it is in turn the company’s perpetual mission to ensure that each step is taken to fulfill that hope.

COMPANY OBJECTIVE

TO BE A KEY FOR THE HAPPINESS AND SUCCESS OF THE FILIPINO PEOPLE BY CONSTRUCTING GOOD QUALITY, AFFORDABLE HOUSES

TRUSTED DEVELOPER

AWARDS AND RECOGNITION

TOP 1 DEVELOPER IN PAG-IBIG IN TERMS OF LOAN TAKE OUT

QUALITY & AFFORDABLE PROJECTS

SOUTH

LAGUNA, CAVITE, BATANGAS

NORTH

BULACAN, RIZAL

Affordable House and Lot at Sonoma Residences Sta Cruz Sta Maria Bulacan

Affordable House and Lot at Sonoma Residences Sta Cruz Sta Maria Bulacan

Abot kayang Bahay

Single Attached

9K/month

Sonoma Residences Brgy. Sta. Cruz, Sta. Maria, Bulacan

Developer: New Apec Development Corporation

Top 1 Developer in Pag-Ibig

SINGLE ATTACHED 

LIVING AREA

DINING/KITCHEN AREA

COMFORT ROOM

STAIRS

3 BEDROOMS

SAMPLE COMPUTATION

2 storey Single Detached

3 Bedroom, 2 Bathroom

Lot area: 76.5sqm

Floor area: 60.5sqm

Price:P1,950,353

Promo discount: P110,000

Net Contract Price: P1,840,353

Equity: P590,353

Reservation Fee: 20,000

Net Equity: P570,353

Monthly Equity in 24 months: P23,765

Loanable amount: P1,250,000

Monthly Amortization Pagibig: P9,376

HOUSING SPECS & AMENITIES

Housing Specifications

• Long Span Colored Roof

• Steel Roof Framings

• Tiled Bathroom

• Steel Casement Windows

• Complete Toilet & Bath

• Complete Electrical Wiring and Fixtures

• Complete Water/Plumbing Pipes & Fixtures

Amenities

• Entrance Gate with Guardhouse

• Multi-Purpose Hall

• Playground

• Basketball Court

• Centralized Water Supply

• Concrete Roads, Curbs and Gutters

• Underground Drainage System 

For inquiry,

Feel free to contact Mr. Ralf Roger Tagao, at:

Sun (Viber) 0922.879.7968

TM 0935.317.2057

Skype ralftagao2014

FB: https://www.facebook.com/ralfroger.tagao

Regards,

Ralf Roger Tagao

Licensed Real Estate Broker

PRC License # 0013076