r/PagIBIGHousing

Ilang working days po ba talaga bago makatanggap ng NOA? 20 working days po ba mula sa araw na nagpasa ako ng kumpletong requirements, o 20 working days po mula nang maisagawa ang CI?

Pasagot po sana. Salamat

Hello! Share ko lang yung timeline ng Pag-IBIG process namin thru the developer. Baka makatulong din sa mga VA/self-employed na nag-aapply ng housing loan😊
July 11 — Nag-onsite visit kami, nag-reserve ng unit, paid ₱50k reservation fee, then submitted the required docs.
July 13 — Pumunta kami sa Pag-Ibig pero unfortunately closed. So nag-decide na lang ako magbayad thru Virtual Pag-IBIG para ma-reactivate yung membership ko.
July 14 — Nag-send ng 1x1 ID, updated COE, and other docs sa documentation team for final checking before nila i-submit sa Pag-Ibig.
July 18 — Nag-send ulit ako ng last updated COE.
July 21 — Na-forward na yung complete folder namin to Pag-Ibig
July 23 — Employment verification/CI.
August 3 — Received our NOA! 🎉
August 4 — NOA signing and punchlisting.
August 5 — BVS completed.
August 14 — Nag-early move-in kami habang waiting pa sa loan takeout. Since hanggang Aug 15 na lang yung contract namin sa current rental, we requested an early move-in from the developer. Thankfully, na-approve naman🥹🏠
August 17 — Finally received the text from Pag-Ibig na loan takeout na! 🎉

So overall, around 5 weeks yung naging process namin from reservation hanggang loan takeout.
Sharing this kasi I know maraming VAs/self-employed na kinakabahan mag-apply ng Pag-IBIG housing loan. Hopefully makatulong yung timeline namin!😊

Hi po, ask ko lang po sa mga may experience sa Pag-IBIG Housing Loan, specifically house construction.

Yung concern ko po is yung lupa na pagtatayuan ng house. Nasa pangalan po ng father and mother ko ang TCT, around 1,000 sqm yung total lot, pero yung 150 sqm portion lang po ang allotted sa akin kung saan ako magtatayo ng bahay.

Possible po ba na gamitin yung property under accommodation mortgage kahit hindi sa pangalan ko ang title? Kailangan po ba maging co-borrower ang parents ko, or co-mortgagor/accommodation mortgagor lang sila since sila ang owners ng title?

Also, kailangan po ba na ipa-subdivide at ipa-transfer muna sa name ko yung 150 sqm bago ma-approve/finalize ang Pag-IBIG loan?

Ayoko rin po sanang i-transfer agad yung title without knowing if necessary, kasi baka magkaroon ng additional expenses. And if the whole 1,000 sqm TCT will be used as collateral, may concern din po kami in case kailangan naming ibenta or i-subdivide yung remaining 850 sqm in the future.
Sa mga naka-experience po ng same situation, ano po yung naging process ninyo? Thank you po!

Hello!

Has anyone had gone through the home improvement/construction loan? How long did it take before the initial loan proceeds was released in your experience? Ang sabi kasi sa amin ay 7-10 workings days raw, and I wanted to ask if may mga cases ba hindi nila yun nameet? Or was it common for them na di yun masunod?

Thank you!

Anyone here has a workaround how I can mortgage a house under Pag-ibig. I am legally married but I have no way of contacting my spouse anymore. I want to purchase a property but the only method of payment is either cash or pagibig. I do not have the capacity to pay in cash and I am also looking a way to finalize my anullment but it’s been years. Can anyone help me with the process?

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.

Hi. I just wanna ask if merong pa bang house & lot in Cavite na around 2.5-3.5m na hindi townhouse?

If yes, please comment kung saan and ano yung pros and cons living there.

If no, max siguro namin is around 4m.

Thank you!

​

Hello po, ask ko Lang din.. dahil iniignore ko na si CA..

AT SINASABI KONG HAHABULIN KO NALANG ANG ARRERAS KO DAHIL DI KO KAYA ANG FULLPAYMENT.

PANO PO BA ANG PROCESS NG FORECLOSURE? MAG EEMAIL PO BA SI PAG IBIG, ANY IDEA PO?

Hello, ask ko lang po kung may same situation samin, we didnt realize na ang nailagay namin sa form is N instead of Ñ sa surname. Pinag submit ulit kami (me and my spouse) ng 2 valid IDs with Ñ and pina change yung form.

Gaano po kaya katagal yung pag process nila nila upon re-submission. Will it take 20days ulit or mas maikli nalang? Ang sabi kasi samin mag eemail ulit sila. But 2 weeks na po nakalipas.

Bali tapos na kami sa site evaluation and appraisal. Yung form nalang po ang napending.

Salamat!

32 male married 1 child and no work ang misis ko full time sa sa bahay

65 months na active pag ibig account ko ( since 2021)

question is '' wala bang problema sa pag apply ko ng housing loan even have existing pag ibig multi purpose loan (21k) and sss salary loan(40k)

on time payment and no late payment sa mga loan

salary ko po ay 22k+5k allowance total (27k)

yong plano ko pong kunin na housing loan amount 660k

(170k equity fully paid)

takot kasi baka kasi ma reject .

need advice any same experience ?

Has anyone here experienced applying for MPL with Pag-IBIG but received lower credited proceeds than what was approved?

The safe loan credited to my card on July 27. I’m not sure if that’s the reason because it says on my application in the app that the net proceeds are 14,500 but what got credited to me was only 4,500.

Hi! I have a question and would really appreciate hearing from anyone who has experienced something similar.

I recently bid on a low-rise condo unit, and I found out that the previous owner has ₱300k+ in outstanding condo dues. The admin advised me to visit Pag-IBIG to ask if they would shoulder or waive the balance.
I went to a Pag-IBIG branch, and they said they would need to check first because they acquired the property as an asset back in 2022. Apparently, they weren’t aware that the condo dues continued to accumulate even after they acquired the property.

They also told me there’s a possibility that Pag-IBIG may cover a portion of the outstanding dues, but they can’t guarantee that the entire ₱300k+ will be waived. They suggested that I could also talk to the condo admin and, if there’s still a remaining balance, possibly negotiate a payment arrangement or installment.

For those who have experienced buying a Pag-IBIG foreclosed condo with large outstanding condo dues, is this normally how it works? Do they usually waive only part of the dues, or is there a chance that the entire balance can be waived?
Would really appreciate any advice or personal experiences. Thank you!

Nagsubmit ako ng housing loan requirements last July 14 sa main branch, now August 14 na wala pa ring NOA. Nagtry ako magfollow up sa email, at sabi nila upon checking ng account ko for NOA signing/approval na raw yung status as of August 4. Malapit na kaya to? Should I wait na lang ba or puntahan ko na sa branch? Sobrang unresponsive kasi sa email ang tagal lagi ng replies.

Hello,
Need your help mga ka OP!

I’ve missed multiple payments on my housing loan because of family emergency that needed more attention and my wife just gave birth so medyo out of funds and now, I have 5 months in arrears in pag-ibig.
I tried to contact the Collection Agency to ask for a payment plan but they always push for full payment and I don’t have 100K in available funds. I will have my salary by the end of the month and I will make my 1 month worth of payment.
I checked online, Can I apply for pag-ibig restructuring program? Madali po ba ang application? Or ano possible best option for my case?
Thank you so much.
This problem have been taking a toll on my mental health.

Clarification lang po tungkol sa equity, medyo naguguluhan lang po.

Context: Plan kong bilhin yung bahay ng kamaganak namin. Payag naman siyang idaan sa pagibig and willing na walang downpayment.

Sa side po ba ni pagibig, may equity ding babayaran before marelease ang loan proceeds? Yung tulad ng mga sa developer po? Hope someone can advise kasi kinakabahan ako baka biglang approved then may malaki palang babayaran before marelease payment sa seller.

Tapos ano po ba ang mga binabayaran bukod sa application and/or appraisal fee? Ano pa yung ibang dapat paghandaan? Salamat po!

I received the Notice of Cancellation from Pag Ibig just today, but already paid the arrears as stated in the notice last week. What now?

Hi everyone! 😊 I just wanted to ask how the CI for a Pag-IBIG Housing Loan works.
If someone has a delinquent account with a bank, will it affect the housing loan application? Is there a possibility that the application could be disapproved because of it?
Would really appreciate your insights or experiences. Thank you! 🙏

Hi everyone! Anyone here that has the same experience with mine?
I finished the equity of the house and lot that i purchased, assuming they are legit, the next step would be pag ibig housing loan application.
The problem is, i cancelled my purchase due to several problems and i want to make sure that they also cancelled my housing loan pag ibig application as i am planning to get a property from another developer.
I am fearing that if ever they are processing my loan even though i already cancelled it, i might have face problem with the new house and land that i bought since i am planning to have it loaned to pag ibig.
Can you guys help me how to check if i have existing or loan under process with pag ibig?
I did not receive any notification from pag ibig. Is it safe to say that they did not submit my pag ibig application?