Low Credit Score Pag-IBIG Housing Loan Application
Problem/Goal:
May naka experience na po ba dito na na approve yung housing loan nila sa pag ibin kahit na mababa yung credit score nila?
Context:
2 years ago, my partner and I reserved a unit, and we just completed the DP sa developer last June, we are currently awaiting loan takeout. I started my research on what to expect and everything.
Through my research, nabasa ko na Pag-ibig can see my delinquencies.
I have accounts sa ATOME, BillEase, LazPayLater, TikTok PayLayter, and I have one credit card. Except for the credit card, yung first 4 mentioned have been unpaid for the past 2 years. Yung credit card ko kahit papano nababayaran ko naman siya.
Then, I checked my credit score sa CIC and I have 553.
I attended the BVS last Wednesday and sabi ng developer ko bukas daw nila ipapasok sa Pag-Ibig yung application ko.
My declared salary is 35,000. Ang monthly ng bahay is 12,500 plus.
Request:
Is there anyone here who had the same experience? Na approve po ba kayo? I really need someone to talk to about this kasi my partner worked so hard for this. Nakapangalan lang sakin pero this is all him. Ayoko naman na yung pinaghirapan niya mabalewala dahil sa mga maling decisions and lacking ko. Please help.