You may also submit a copy of current ITR one to enjoys an effective BIR stamp. In my opinion because of it one, you are going to need to see your RDO to find stamped.

While a good freelancer otherwise operator, you could fill in a copy of your own audited ITR and BIR stamp. We failed to try this you to definitely as the I was not the person who applied for the mortgage and that i didn’t sign up to feel co-borrower, however, I believe this would indicate bringing your latest ITR, and simply to go on the new safe side, your own accounting instructions, on RDO.

While you are operating, it’s also possible to choose to complete the authoritative 1 month spend slip old at least three months in advance of big date out-of app. Jay made a decision to fill in three so you’re able to close the offer, haha! The guy and additionally registered his COE and all of them.

That is into first faltering step. Pag-IBIG will determine their articles to test your own qualifications to make use of to have a home mortgage.

Once you have registered such records online, you’ll discover a message compelling that pay money for the new handling payment. I paid Php 1,000. Ensure that you print out a duplicate of your verification of commission. You will have to promote that it to help you Pag-IBIG , also the almost every other conditions, once you’ve become invited to see its place of work compliment of email address otherwise a trip.

Here are the files that you need to bring to Pag-IBIG after you’ve already been expected to submit your write-ups personally:

step 1. Every completely new copies of your records your registered in the first processes, with the exception of the selfie. You ought to also provide your own ID photocopied.

2. A copy of one’s Unique Energy away from Attorney into the broker. (If the owner isnt from the Philippines)

The expense of notarization will depend on the newest decided cost of the house specified on your contract to market.

They’ll including ask when deciding to take their photographs with your valid ID once more. This time around, it might be their employees that will grab the decide to try.

Appraisal stage

Given that table administrator seems more your documents and you will sees zero discrepancies, you will be asked to cover assessment fee. We paid down Php dos,000.

We were told to go to for a call from 1 out-of their workers regarding the plan of the home assessment. What are the http://cashadvanceamerica.net/loans/parent-loans/ results through the house assessment is because they will send agencies to help you test the house to find out if it meets the fundamental and you can requirements.

It titled 3 days ahead of they went along to. Brand new appraisers was during the lay because of the 8AM. They went for the, appeared the fresh dimensions and you will did not really correspond with you this much. They just ran to see for each and every room at home.

Following that has been they. We had been told to wait because of their email if all of our financing could have been recognized or not recognized; yet not, they already warned you that family we had been seeking get is actually in short supply of 1 meter in width on their requirements.

Mortgage Denied

I received a message from Pag-IBIG formally saying that the size of our home don’t fulfill the requirements, and this is one. Which had been the conclusion our feel……for the moment.

We considered submitting a page out of reconsideration, although email clearly stated that we had to deal with the new topic and you can commit to deciding to make the needed alter, hence i wouldn’t. So we was required to take on our fate and progress.

Oh well, at the least i’ve gained an existence skills that individuals normally include in the near future also to show our kids when it’s their consider get their house. We were, without a doubt, disturb, but we are going to keep our very own expectations up to i eventually select the set we can call household.