You could fill in a copy of newest ITR you to definitely features an effective BIR stamp. I think for this that, you will need to see your RDO locate stamped.

When you are a beneficial freelancer otherwise operator, you could complete a duplicate of your audited ITR and you may BIR stamp. We failed to test this you to definitely because I wasn’t the person who removed the loan and i also didn’t sign up for be co-borrower, however, I think this would suggest bringing your own most recent ITR, and simply to take the newest secure side, the bookkeeping books, into the RDO.

When you’re operating, you are able to opt to fill out the specialized a month pay slip old at the least 3 months before go out regarding software. Jay decided to complete about three in order to seal the offer, haha! He along with recorded his COE and all of them.

This is with the initial step. Pag-IBIG often determine your own articles to test the eligibility to put on for a home loan.

After you have recorded such documents online, you are going to located a contact compelling you to definitely purchase the processing fee. We repaid Php step 1,000. Make sure that you print-out a duplicate of one’s verification of one’s commission. You’re going to have to bring which so you can Pag-IBIG , and the almost every other standards, after you’ve become welcome to check out their workplace because of email address or a visit.

Here you will find the files that you need to give Pag-IBIG after you’ve become requested to submit your articles yourself:

1. The brand new duplicates of your documents you recorded from the basic techniques, with the exception of the latest selfie. You need to likewise have your own ID photocopied.

2. A duplicate of your Special Fuel regarding Lawyer towards the representative. (If the proprietor isnt throughout the Philippines)

The price of notarization will depend online personal loans North Carolina on the new agreed selling price of the property stipulated on your own bargain to market.

Might as well as inquire when deciding to take your own pictures with your appropriate ID again. Now, it will be their employees who can grab the take to.

Appraisal phase

As the table administrator seems more your documents and you can notices zero discrepancies, you’re requested to fund appraisal percentage. We paid off Php dos,000.

We were informed to wait getting a trip from off their workers concerning your agenda of the property appraisal. What happens during the domestic assessment is that they will send agents in order to check always our house to see if it matches the practical and requirements.

It named 3 days ahead of they decided to go to. The latest appraisers were at the place by 8AM. It went when you look at the, featured brand new proportions and you will did not extremely keep in touch with all of us this much. They simply ran around to check always each place at home.

After that that has been they. We had been informed to attend because of their current email address whether our mortgage might have been recognized or perhaps not accepted; yet not, it already cautioned us that the family we had been seeking to get are lacking 1 meter in width on the conditions.

Mortgage Refused

We acquired an email off Pag-IBIG formally stating that the latest sized our house didn’t meet its criteria, which try one to. Which had been the end of all of our experience……for now.

I believed turning in a letter from reconsideration, nevertheless email clearly reported that we’d to deal with new topic and you will commit to putting some requisite alter, and therefore i couldn’t. So we had to accept our fate and you will move on.

Oh better, no less than i’ve gained a lifetime experience that individuals normally include in the near future in order to illustrate all of our high school students if it is its look to purchase their house. We had been, of course, disappointed, however, we’re going to remain the expectations up until i finally find the set we are able to label household.