You could complete a duplicate of the latest ITR one to has a great BIR stamp. In my opinion because of it you to, you are going to need to see your RDO to acquire stamped.
When you find yourself a great freelancer otherwise a business owner, you could complete a copy of the audited ITR and you can BIR stamp. I failed to try out this one as I was not the person who applied for the loan and i failed to contribute to feel co-borrower, but I do believe this will imply delivering your current ITR, and just to go on the latest safe front side, their accounting instructions, towards the RDO.
If you’re functioning, you could choose submit the specialized thirty days pay sneak old at the least 90 days in advance of big date regarding app. Jay made a decision to submit around three so you’re able to close the deal, haha! The guy and filed his COE and all of them.
That is into first faltering step. Pag-IBIG often assess your articles to test your eligibility to put on having a home mortgage.
After you have submitted these types of data files on the web, you are going to discover a message prompting one to pay money for the new running payment. I paid Php 1 short term loans Uriah Alabama,000. Ensure that you print a duplicate of verification of your commission. You’re going to have to bring that it so you can Pag-IBIG , as well as the almost every other criteria, after you’ve started welcome to check out their place of work because of email address otherwise a visit.
Here you will find the data files that you should provide Pag-IBIG after you’ve come asked to submit your write-ups myself:
step one. All the completely new duplicates of your own data your recorded regarding very first process, except for the newest selfie. You should also have your own ID photocopied.
dos. A copy of your own Unique Strength away from Attorneys towards agent. (If for example the holder is not throughout the Philippines)
The expense of notarization is based on the consented cost of the house specified on your bargain to offer.
They are going to also inquire when planning on taking your photos along with your legitimate ID once more. This time, it will be their employees who will make the shot.
Assessment phase
While the dining table manager seems more than your documents and you can sees zero inaccuracies, you are requested to fund appraisal fee. I paid off Php dos,000.
We had been told to wait having a visit from of their staff regarding the agenda of the home assessment. What goes on during domestic appraisal is that they will send representatives so you’re able to scan our house to see if they matches the practical and you may criteria.
They titled 3 days in advance of it went along to. The latest appraisers was during the place by the 8AM. They went inside, checked the newest specifications and you can didn’t most talk to us this much. They just ran around to scan for every single place in the house.
Then that has been they. We had been advised to attend due to their email if or not the mortgage has been acknowledged or otherwise not approved; yet not, it currently cautioned all of us your domestic we had been seeking get are short of step one meter wide to their conditions.
Financing Refused
I gotten a contact off Pag-IBIG officially proclaiming that the sized the house didn’t see their requirements, and that try one to. That has been the termination of our feel……for the moment.
I thought turning in a letter out-of reconsideration, although email clearly reported that we had to deal with this new issue and you may commit to making the called for changes, and that we did not. Therefore we was required to deal with the destiny and proceed.
Oh really, at least i’ve attained a lifetime ability we can use in the long term and also to instruct our very own high school students if it is its consider pick their house. We were, needless to say, disappointed, but we are going to remain all of our hopes up to we in the long run discover place we can phone call house.