Results 1 to 8 of 8
Like Tree1Likes
  • 1 Post By luff101

Pag-ibig housing : assume


This discussion is about "Pag-ibig housing : assume" in the "General Discussions" forums.
Sumpay lng ko ani nga thread: https://www.istorya.net/forums/gener...umption-2.html Pero kani nga scenario ky AFTER na ma assume, NOT the process of assuming mortgage.. Ok.., Bcin naa ...

  1. #1
    Senior Member rafee's Avatar
    Join Date
    Apr 2012
    Gender
    Female
    Posts
    655

    Default Pag-ibig housing : assume


    Sumpay lng ko ani nga thread:
    https://www.istorya.net/forums/gener...umption-2.html (Pag-ibig Housing Loan Assumption)

    Pero kani nga scenario ky AFTER na ma assume, NOT the process of assuming mortgage..

    Ok..,
    Bcin naa pa gyud diha real estate agents/broker nga sweto gyud as of today.. mas maau updated info.


    Actual scenario:
    Naa mi silingan nga ni assume (both parties did2 gyud sa pag-ibig)...
    ..in short .., nahuman gyud tnan process(dali rmn kuno)..


    My concern :
    According sa akong silingan, ang paagi na kron sa pag-ibig kung mo assume ky prehas ra sa amount sa monthly amortization kadto panahon gi acquire ang house sa original owner, w/c is OK ra sabton..
    PERO, DILI mo sumpay sa remaining years/months sa previous owner "kuno" kinhanglan mag START ug balik..
    meaning, back to 1st month ang pagbayad sa monthly amortization..
    "kuno" lng ky cla rman ng pinirmahay didto sa pag-ibig matud sa amo silingan..,

    Question:
    I thought ang pag assume mo sumpay nlng ka bayad sa remaining months sa original owner, DILI diay?


    I don't need explanation about the process, transferring,.. etc.. ky naa sa thread link ako na nabasa...

  2. #2
    C.I.A. luff101's Avatar
    Join Date
    Mar 2014
    Gender
    Male
    Posts
    5,886
    so ang katong previous owner nakabayad nag ug 10 years so ikaw back to zero napud ka? maypa kuha na lng ka ug new unit instead mag assume...
    i think mo continue ra ug bayad ang new owner.

  3. #3
    Senior Member Giango's Avatar
    Join Date
    May 2008
    Gender
    Male
    Posts
    539
    Sakto ka TS.

    Ang case sa amoa kay ang amoang unit wala nay bayad bayad.
    As what we have heard mo abot gani ug 6 years, imbargohon na daw na sa Pag-Ibig ang housing.

    So ang amoang action plan, I assume sa usa sa among Family Member.
    Para ma salbar ang balay. Para lain napud name.

    Pero ang condition kay back to zero gyud. Balik uno ang pag bayad.

    Naa pa gani to sila gi tawag ug reservation para dili nila i deal ug lain.

  4. #4
    Senior Member rafee's Avatar
    Join Date
    Apr 2012
    Gender
    Female
    Posts
    655
    Quote Originally Posted by luff101 View Post
    so ang katong previous owner nakabayad nag ug 10 years so ikaw back to zero napud ka? maypa kuha na lng ka ug new unit instead mag assume...
    i think mo continue ra ug bayad ang new owner.
    Yes, back to 0 na gyud f hunahunaon.. pero sa ako nasabtan, ang main advantage is barato ra ang iya monthly compared sa current value. Kay kung mokuha cya ug NEW unit under the same lot area ug house, lahi nmn ang current rate.. if 5k/mos iya byaran, nya 7k na diay ang current price sa new unit, so mas mka brato gyud in the long run...

    Quote Originally Posted by Giango View Post
    Sakto ka TS.

    Ang case sa amoa kay ang amoang unit wala nay bayad bayad.
    As what we have heard mo abot gani ug 6 years, imbargohon na daw na sa Pag-Ibig ang housing.

    So ang amoang action plan, I assume sa usa sa among Family Member.
    Para ma salbar ang balay. Para lain napud name.

    Pero ang condition kay back to zero gyud. Balik uno ang pag bayad.

    Naa pa gani to sila gi tawag ug reservation para dili nila i deal ug lain.
    I see.., ingana cguro ang nhitabo.. bcin wala na to bayad2 ang previous owner mao nga back to 0 na ang new owner..

    Sa uban dha, bcin naa knowledge about assuming mortgage nga complete ang payments b4 mo assume ang next owner.. back to 0 ba gihapon?

  5. #5
    C.I.A. luff101's Avatar
    Join Date
    Mar 2014
    Gender
    Male
    Posts
    5,886
    Quote Originally Posted by rafee View Post
    Yes, back to 0 na gyud f hunahunaon.. pero sa ako nasabtan, ang main advantage is barato ra ang iya monthly compared sa current value. Kay kung mokuha cya ug NEW unit under the same lot area ug house, lahi nmn ang current rate.. if 5k/mos iya byaran, nya 7k na diay ang current price sa new unit, so mas mka brato gyud in the long run
    Depende guro sa years nga gibayran sa first owner. The more magkadako ang years, the more pud magkadako ang assumption.
    rafee likes this.

  6. #6
    Elite Member jerzx777's Avatar
    Join Date
    Feb 2008
    Gender
    Male
    Posts
    1,022
    Mura dili siguro back to zero with same amount, try to imagine , for example balay na worth 2 million, tapos nakabayad na ang unang owner ug 10 years, of course ang condition sa house , daan na gyud kay 10 years na gud.

    Kung naay laing tawo na mo assume sa maong house , I think the current price sa house kay less na gyud kay daan na gud. . .

    It will back to zero probably with less amount than the previous one. .

  7. #7
    Newbie
    Join Date
    Jan 2019
    Gender
    Male
    Posts
    1
    Quote Originally Posted by rafee View Post
    Sumpay lng ko ani nga thread:
    https://www.istorya.net/forums/gener...umption-2.html (Pag-ibig Housing Loan Assumption)

    Pero kani nga scenario ky AFTER na ma assume, NOT the process of assuming mortgage..

    Ok..,
    Bcin naa pa gyud diha real estate agents/broker nga sweto gyud as of today.. mas maau updated info.


    Actual scenario:
    Naa mi silingan nga ni assume (both parties did2 gyud sa pag-ibig)...
    ..in short .., nahuman gyud tnan process(dali rmn kuno)..


    My concern :
    According sa akong silingan, ang paagi na kron sa pag-ibig kung mo assume ky prehas ra sa amount sa monthly amortization kadto panahon gi acquire ang house sa original owner, w/c is OK ra sabton..
    PERO, DILI mo sumpay sa remaining years/months sa previous owner "kuno" kinhanglan mag START ug balik..
    meaning, back to 1st month ang pagbayad sa monthly amortization..
    "kuno" lng ky cla rman ng pinirmahay didto sa pag-ibig matud sa amo silingan..,

    Question:
    I thought ang pag assume mo sumpay nlng ka bayad sa remaining months sa original owner, DILI diay?


    I don't need explanation about the process, transferring,.. etc.. ky naa sa thread link ako na nabasa...
    asa ta kita ug maayo nga source regarding ani? ingon ang pag-IBIG nga kinahanglan nakapangalan na sa mismong principal borrower ang property meaning ang buyer sa property nga gipa assume.

  8. #8
    Newbie
    Join Date
    Sep 2020
    Gender
    Male
    Posts
    19
    My husband and I bought a house in Seattle by taking a fixed mortgage for 15 years (2.28%), but after 7 years we had to move to the UK and it was an emergency so we didn't have enough money to pay the loan off and just had to transfer it to my cousin. We did get some money for 7 years that we already paid for the mortgage but still, it felt awful because we got used to this house. When we moved to Derby (UK) we wanted to get another mortgage loan because renting is not profitable so we hired a mortgage broker Mortgage Advice Derby to help us out. Hope they will find us an affordable loan.

  9.    Advertisement

Similar Threads

 
  1. For Sale: For Assume : Pag-ibig House and Lot - Kalawisan Lapu2x
    By iamyourdeath in forum Real Estate
    Replies: 80
    Last Post: 06-14-2015, 06:13 PM
  2. For Sale: pag ibig house and lot
    By jblim1980 in forum Real Estate
    Replies: 126
    Last Post: 09-23-2010, 11:20 PM
  3. Looking For: house and lot thru pag-ibig housing loan
    By ryden827 in forum Real Estate
    Replies: 7
    Last Post: 11-13-2009, 02:52 PM
  4. Good News from Pag-ibig Housing Loan
    By *dudes* in forum General Discussions
    Replies: 0
    Last Post: 04-14-2009, 01:40 AM
  5. Pag-ibig Housing?
    By playlife in forum Real Estate
    Replies: 1
    Last Post: 06-14-2008, 07:26 AM

Tags for this Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
about us
We are the first Cebu Online Media.

iSTORYA.NET is Cebu's Biggest, Southern Philippines' Most Active, and the Philippines' Strongest Online Community!
follow us
#top