Pag-ibig or Bank loan

[crstina]

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pwede bah mpalit ug used house and lot through pag.ibig?
unsa my mdawat sa ngbaligya (full amount)?
pwede bah ni xa?

[MrCool]

mga bro, unsa gani to nga bank nga g advertise bag o lang jud na gamay og interest nya naay sila rebate og excess imong bayad?

[Ronn926]

psbank naay rebate but same2 ra interest nila

[MrCool]

psbank d i to...thanks ronn...maau unta gamay ra ang interest nila...inquire nya ko...

[*sludge*]

pila ilang maximum na amount na pwede n imo i loan?

[account]

FROM THE OTHER SITE:

for me it is better to loan through pag-ibig kasi mas mababa interest as compared sa mga banks at mas matagal payment terms which is 30 years.

sa ibang banks kasi like BDO, you cannot make partial payments to your amortization..one time payment lang..unlike sa pag-ibig pag may malaki kang pera..pwede mo ng ibayad sa loan mo para yung interest will just be based on the unpaid balance..

[account]

FROM THE OTHER SITE:

With banks, always read the fine print thrice
Is the BPI 10% FIXED for 10 years
Or only for the 1st year or 1st 2 years? Thenn thereafter your interest will be subject to repricing? Careful there ha.

The thing is, no institution beats Pag-Ibig rates. Always cheaper.
Why not? The money comes from contributions. So you should take advantage of that Pag-Ibig loan para bawi mo your years or contributions.
PagIbig welcomes prepayments, latest I know. And to my knowledge, they also do not reprice for the entire loan period.
So, go Pag-Ibig. IF kulang your pagibig == get the pag-big plus dagdag mo for the kulang the bank loan.

[account]

either pagibig or bank loan.. please post your experiences whether advantages or disadvantages.. please please!

[likyam]

maka loan lagi sa PAG-IBIG. pero patyon man sad sa Equity. abi man nako gud ug PAG-IBIG diretso ang subdivision house and lots aron wai daghan kuti. usa nalang ang bayran ba.

kai kinahanglan pa mag loan usab para pang equity. may pa magpuyo nalang. hehehehe

[yumi_0379]

ingon nila mas okay daw ang bank kay naa mn daw mga banks nga ubos ug interest kaysa pag ibig then 15 yrs ra ila term. sa pag ibig sad kay ang processing time is dugay au kay dghn mn mo ng apply so dili maatiman daun. ako kauban hapit tuig usa na approve iya loan sa pag ibig. tas dili sad ka kapuyo sa imo house basta d pa maaprove sa pag ibig imo loan.

ambot lng ha kay mao nay sulti sa agent nga unta mukuha sad kog balay then la ko nidaun kay i dnu kung mgkabayad bako anang 25 yrs nga term.lisud au basin mawad an tag trabaho. unsaon pag bayad sa amortization...mao to duha duha ko. kung mgduha duha may pag dili nalng.