You’ll be able to submit a duplicate of the current ITR you to definitely have a BIR stamp. I do believe for this you to definitely, you’re going to have to see your RDO to track down stamped.
While you are an effective freelancer otherwise an entrepreneur, you might complete a duplicate of the audited ITR and BIR stamp. We didn’t test this one once the We wasn’t the person who removed the borrowed funds and i also did not sign up to be co-debtor, however, In my opinion this would indicate delivering the most recent ITR, and only to take the new safe side, your accounting guides, on the RDO.
If you find yourself working, it’s also possible to choose complete your formal 1 month spend slip dated at the very least three months before time out-of application. cash advance payday loan no fax Jay decided to fill in about three to close the deal, haha! He along with recorded his COE including all of them.
This is certainly for the first step. Pag-IBIG have a tendency to evaluate your submissions to test your own qualification to use to possess a house loan.
After you’ve submitted these types of files online, you will found a contact compelling you to definitely pay for new processing commission. We paid Php step one,000. Make sure that you print-out a duplicate of your verification of your fee. You’re going to have to render it to help you Pag-IBIG , plus the other requirements, once you’ve come greeting to visit its place of work courtesy email or a call.
Here you will find the files that you need to provide Pag-IBIG once you’ve come questioned add your write-ups physically:
step 1. All modern copies of the files you submitted about first techniques, with the exception of the fresh selfie. You must likewise have their ID photocopied.
2. A duplicate of the Special Stamina out of Lawyer on agent. (If the proprietor is not in the Philippines)
The cost of notarization will depend on the fresh new conformed selling price of the home stipulated on your deal to market.
Might along with inquire for taking your photo along with your good ID once more. This time around, it could be their workers who’ll make the shot.
Appraisal phase
Because the dining table administrator appears more your posts and you can sees zero inaccuracies, you might be questioned to fund appraisal percentage. We paid back Php 2,000.
We had been told to attend for a call in one away from their employees concerning your schedule of the home assessment. What takes place throughout the domestic appraisal is because they will send representatives so you can examine the house to see if it match the fundamental and you will criteria.
They titled 3 days in advance of they decided to go to. The appraisers had been on lay of the 8AM. It ran for the, checked this new measurements and you will didn’t extremely correspond with united states that much. They simply ran around to check always for every single space in your house.
Following which had been it. We had been informed to attend for their email if or not the financing has been accepted or not acknowledged; but not, they already informed all of us that the family we were seeking purchase is in short supply of 1 meter in width on the conditions.
Loan Rejected
We received an email out-of Pag-IBIG formally saying that this new size of our house failed to see the standards, which try that. That was the termination of all of our feel……for the moment.
We considered turning in a letter from reconsideration, however the current email address certainly reported that we had to deal with the situation and you can commit to putting some required alter, and that i failed to. So we was required to undertake our very own fate and move ahead.
Oh really, at least i have gained a life ability that people normally include in the long term and also to illustrate our kids when it’s its check out pick their house. We were, naturally, upset, however, we will continue our very own expectations up to i in the end discover the place we are able to call house.