Home Buying Guide for Balikbayans Former natural-born Filipinos who are now naturalized citizens of another country can buy and register, under their own name, land in the Philippines but limited in land area (see below). However, those who avail of the Dual Citizenship Law can buy as much land as ... Read More
27 Ways to Secure Valid IDs in the Philippines To comply with the Banko Sental Ng Pilipinas (BSP), circular 564, a client shall be required to present at least two (2) valid identification documents (IDs) when engaging in a financial transaction with any bank. Valid IDs shall include the following: 1. Passport & ... Read More
PUEBLO DE ORO COMMUNITIES CHECKLIST OF REQUIREMENTS UCPB FINANCING: 1. Filled –up Housing Loan Application Form 2. 2 months latest Payslip or Proof of Income 3. 2 Valid Government and Company ID’s – with 3 specimen signature 4. Birth Certificate / Marriage Contract (Photocopy) 5. Residence Certificate (Cedula) 6. ITR 2316 (except ... Read More
Foreigner's Guide in buying real estate properties in the Philippines: By law, foreigners don't have the right to acquire land in the Philippines. Only Filipino citizens can own land (there have been many proposals to amend this law but of this writing, the law remains unchanged.) The simplest ... Read More
PAG-IBIG HOUSING LOAN REQUIREMENTS: FOR REGULAR PAG-IBIG MEMBER: 1. At least 24 months Pag-IBIG Member 2. 5 pcs. 1x1 picture 3. 2 pcs. Valid ID (Photocopy) 4. Residence Certificate (Community Tax/Cedula) 5. TIN ID (Tax Identification Number) 6. Birth Certificate (if Single)/ Marriage Contract (if Married) 7.& ... Read More
BANK HOUSING LOAN REQUIREMENTS (General requirements of most banks, for specific, contact bank concerned...) If in the Philippines: * Income Tax Return (latest) * Certificate of employment with compensation * Business Permit (if self-employed) * Community Tax Certificate * T.I.N. (Tax identification Number) * Bank Statement (for the last 6 months) * Marriage Certificate (if married) ( ... Read More
Tips Before Buying Real Estate in the Philippines Here are tips a buyer must remember before buying any property in the Philippines, specially if you are buying a single property from an individual: 1. Make sure the "Transfer Certificate of Title" is authentic. The easiest way to check if ... Read More
MODES OF ACQUIRING TITLE IN THE PHILIPPINES (TCT/CCT): TCT - Transfer Certificate of Title CCT - Condominium Certificate of Title Private Grant –voluntary transfer or conveyance of private property by a private owner, such as sale or donation. Public Grant – acquisition of alienable lands of the ... Read More
PAG IBIG POLICIES AND GUIDELINES Definition of Terms: HDMF - Home development mutual fund, otherwise known as Pag-ibig POP - Pag-ibig Overseas Program CTS - Contract to Sell REM - Real Estate Mortgage CSA - & ... Read More
STEPS IN PAG-IBIG HOUSING LOAN APPLICATION 1. Attend a Loan Counseling session at the concerned Pag-ibig office and be briefed on the eligibility. Accomplish a preliminary loan counseling questionnaire, Housing Loan Application (HLA) and Membership Status Verification ... Read More
Concept of Ownership of Philippine Condominium Distinctions between Condominium and House & lot in the concept of ownership Evidence of ownership – In house and lot, evidenced by original or transfer certificate of title while in condominium, ownership is evidenced by condominium ... Read More
ABOUT CEBU Cebu is a province in the Philippines, consisting of Cebu Island and 167 surrounding islands. It is located to the east of Negros, to the west of Leyte and Bohol islands. Cebu is a long narrow island stretching 225 kilometers from north to south, surrounded by 167 neighboring smaller islands, that ... Read More
HDMF MONTHLY AMORTIZATION FACTOR (Under HDMF No. 310) Per P 1,000.00 LOAN TERM OF Interest Rate per Preferred Fixing Period LOAN & ... Read More
UNION BANK Housing Loan Requirements: 1.) Duly filled out Application Form 2.) Photocopy of 2 Valid IDs 3.) Marriage Contact (IIf applicable) 4.) TIN: Community Tax Receipt (Cedula) For Employed: 5.) Certified of Employment; ITR for the last 2 years; Latest 1 month Payslip For Self-employed: 6.) Certificate of Business Registration; Financial Statements ... Read More
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