Pag-ibig Housing loan Requirements

PAG-IBIG REQUIREMENTS

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How to Choose the Right Real Estate

Sales Professional

by Leonard Baron

Buying real estate is complex, and it’s imperative to select a competent, honest agent who will skillfully represent your best interests throughout the entire process of selecting, negotiating and closing on your property.

Here are several things to look for and consider when selecting the real estate professional to represent you in a transaction:
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EXECUTIVE ORDER NO. 209 July 6, 1987
Title 1 Chap. 3 Sec. 39 Amended by RA 8533

THE FAMILY CODE OF THE PHILIPPINES

I, CORAZON C. AQUINO, President of the Philippines, by virtue of the powers vested in me by the Constitution, do hereby order and promulgate the Family Code of the Philippines, as follows:
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 HOW TO DETECT FAKE TITLES

“1.    Check if the initials, signatures, technical description, annotation and other component elements appearing on the front and at the back of the original are exactly the same as that appearing on the owner’s duplicate copy of the title.  Any variance is a ground for suspicion;

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REAL ESTATE SERVICE ACT LAW

  R.A. 9646

Republic of the Philippines
Congress of the Philippines
Metro Manila

Fourteenth Congress
Second Regular Session

Begun and held in Metro Manila, on Monday, the twenty-eight day of July, two thousand eight.

Republic Act No. 9646             June 29, 2009

AN ACT REGULATING THE PRACTICE OF REAL ESTATE SERVICE IN THE PHILIPPINES, CREATING FOR THE PURPOSE A PROFESSIONAL REGULATORY BOARD OF REAL ESTATE SERVICE, APPROPRIATING FUNDS THEREFOR AND FOR OTHER PURPOSES

Be it enacted by the Senate and House of Representatives of the Philippines in Congress assembled::

ARTICLE I
TITLE, DECLARATION OF POLICY AND DEFINITION OF TERMS

Section 1. Title. – This Act shall be known as the. “Real Estate Service Act of the Philippines“.

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How a Foreigner Buy a Properties in the Philippines

using Special Resident Retiree’s Visa

Foreign Ownership of Land in the Philippines

Ownership of land in the Philippines is highly-regulated with land ownership reserved for persons or entities considered Philippine nationals or Filipino citizens. For this purpose, a corporation owned 60% by Filipino citizens is treated as a Philippine national. Foreigners interested in acquiring land or real property through aggressive ownership structures must consider the provisions of the Philippines’ Anti-Dummy Law to determine how to proceed. A major restriction in the law is the restriction on the number of alien members on the Board of Directors of a landholding company which is limited to 40% alien participation. Another concern is the possible forfeiture of the property if the provisions of the law is breached.
Exceptions to the restriction on foreigners acquisition of land in the Philippines are the following:
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Ten Tips in Buying a Property

How often do we hear someone say: “My dream is to own a home.” “I would be happy and contented owning a small house and lot.” This is the simple Filipino dream. Concurrently, the measure of one’s success is determined by how many pieces of real estate he owns. Truly, for a Filipino, real estate ownership is the barometer of his achievement. It may also be the cause of his downfall, if he does not buy correctly.

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Eligibility Requirements

To qualify for a Pag-IBIG housing loan, a member shall satisfy the following requirements:

1. On Pag-IBIG Membership

• Must be a member under the Pag-IBIG I, Pag-IBIG II or Pag-IBIG Overseas Program (POP) for at least twenty-four (24) months, as evidenced by the remittance of at least 24 monthly contributions at the time of loan application.
• A member with less than the required number of contributions applying for a Pag-IBIG housing loan shall be allowed to make lump sum payment based on the mandatory monthly membership contribution rates (both EE and ER share) to meet the said requirement at point of loan application provided he has been a contributing member of the Fund for at least twelve (12) months. Lump sum payment of membership contributions shall be considered a single contribution for the applicable month as of the payment date.
• A member whose loan exceeds P500,000.00 shall be required to pay the upgraded membership contribution rates upon housing loan approval and onwards.

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REALIZE THE DREAM OF

FINANCIAL FREEDOM…

Thanks for the interest….and welcome to Be one of the privileged few who can earn an unlimited income on Part-time or Fulltime basis with no BOSS and market the most prestigious projects in booming Cebu.

• To be your own boss…have your own business

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