You could complete best payday loans in northern OR a duplicate of your own newest ITR one features a great BIR stamp. I believe for this that, you’ll have to visit your RDO to find stamped.
Whenever you are an effective freelancer or operator, you can submit a copy of one’s audited ITR and you may BIR stamp. We did not test this you to because the We wasn’t the one who removed the loan and that i don’t donate to become co-borrower, however, I do believe this should imply providing the newest ITR, and simply to be on the fresh new safer front side, your accounting instructions, toward RDO.
While working, you are able to decide to complete the formal thirty days spend sneak old no less than three months prior to date out of app. Jay decided to submit three in order to secure the deal, haha! He and additionally registered their COE including them.
This will be for the initial step. Pag-IBIG commonly evaluate their articles to check your own qualifications to use to have property loan.
Once you’ve registered such data files on line, you will located a message compelling one to pay money for the new handling percentage. We paid back Php 1,000. Be sure that you print-out a duplicate of your own confirmation of your own payment. You’re going to have to render that it so you’re able to Pag-IBIG , also the other requirements, once you’ve started greet to check out their place of work thanks to email address or a trip.
Here are the data that you ought to give Pag-IBIG after you have been questioned to submit your articles personally:
step one. The brand new copies of files you recorded regarding first processes, apart from the fresh selfie. You ought to also provide your own ID photocopied.
dos. A duplicate of one’s Unique Strength regarding Lawyer towards representative. (In the event the owner isnt from the Philippines)
The cost of notarization hinges on the latest conformed cost of the property stipulated on your own offer to offer.
They are going to and ask when planning on taking your own photographs with your good ID once again. Now, it could be their workers who’ll take the test.
Appraisal stage
As the desk manager looks more your posts and you may sees no inaccuracies, you are expected to pay for appraisal percentage. We paid down Php 2,000.
We had been informed to attend to have a call from regarding their employees regarding your schedule of the property appraisal. What are the results through the household appraisal is they will send representatives in order to test the house to see if it meets its fundamental and requirements.
It titled three days just before it decided to go to. New appraisers were on put because of the 8AM. It ran from inside the, looked the fresh new specifications and failed to extremely correspond with you that much. They simply ran to search for each room in the house.
Upcoming which was they. We were told to attend for their email whether or not all of our mortgage could have been accepted or perhaps not recognized; yet not, they currently cautioned all of us that the family we had been seeking to get try in short supply of step one meter in width on the criteria.
Financing Denied
We received an email away from Pag-IBIG officially proclaiming that the measurements of our house failed to meet their standards, and therefore are one to. That has been the conclusion all of our sense……for now.
I sensed submitting a page of reconsideration, nevertheless current email address demonstrably stated that we’d to deal with this new matter and you will agree to making the required transform, which i would not. Therefore we was required to undertake our very own destiny and you may move forward.
Oh well, at the very least you will find attained a lives ability we can also be use in the long term and illustrate the high school students when it’s the move to get their residence. We were, definitely, upset, but we shall continue our hopes up until we ultimately select the place we can label house.