Can I load through PagIbig if unemployed?

[krissy86]

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Hi ask lang ko kay i'm planning to resign sa ako current company ron to do freelancing, ang ako income from freelance is roughly the same sa ako salary ron, karon kay di na makaya ang work load.

my question is, pwede ba ko maka housing loan sa pag ibig, technically i'm still earning pero unemployed??

[kahrosi]

pwede raman guro nah ses...then declare lng kah og self contribution...AFAIK

[cebugdev]

yup pwedi ra ka, ikaw lang mobayad sa so-called "Employer contribution" in addition sa "employee contribution".

[iwantmyboyfriend]

Hi, I've been working homebased since 2010. And no, dli ka maka housing loan. We have exhausted everything that's possible.

I think pwede basta imong i register sa BIR imong sweldo and pay the full taxes required for the amount that you are earning. I would rather not do that. Pero we've talked to Pagibig many times daghan kaayo sila kuti to the point na ni undang nalang me ug contribute.

You also can't loan sa bank. Unfortunately but you can get a house through inhouse financing

P.S. Pwede raka ma Multi purpose loan but not housing loan.

[dansoi_1234]

pwede ra.. bsta at least 2 years nka ng contribute sa pag.ibig and at the same time and existing ghpon.. and wla ka lain existing loans, if ever naa humanon sato nimo para mka avail ka sa housing loan..

[krissy86]

waaa, nag libog na ko if unsa jud. how bout if i apply for a housing loan while im still on my job then resign?

[sinned]

dili pwede maka loan sa pagibig kung self employed...

[ivy_daine]

No, dli pwede mka housing loan s pag-ibig.. Didto nko ane s pag-ibig kadaghan n! But u can do a trick: you can apply for a housing loan while naa pka s imo company. wait until maaprove jd imo loan ky pwerte ka daghn ug reqs. ug ka kuti jd s pag-ibig ay.. ky reqs nla COE, payslips, ITR..u really need to currently employed to get all these. So once maaprove nka and ma turn-over n ang unit s imoha, then, u can resign f u want. BUt dli n nmu kaya imo current work and u have substantial money, pwed raka mg inhouse-financing (but lesser ang term to pay the unit + mas dako jd cya ug interest kysa s pag-ibig)..

[jonmlas]

YES you can! and I'm a homebased worker.

In my part, I've been working on regular companies since 2006. Then nag full time homebased ko since 2011. Sukad ato, wala na koy contribution sa SSS, Pag-ibig, etc... Karon year, nagkuha ko og housing sa Primary Homes(Another developer just like Camella homes). Gitan aw nila ako records since complete man ako contributions sa Pag-ibig(i think that's the 22 months contribution), so ok ra ko. Ila ra ko giingnan nga ipadayon lng nako ako contribution and so I did.

That's for my part, basta guro naay developer nga mo asikaso sa imo housing loans. Di lang ko sure anang ikaw mismo mangunay adto sa Pag-ibig para patukod sa imo own house.

[doritos_ug_mr_chips]

TS if nag libog ka sa mga answers diri panawag kaha or adto.a kaha ang Pag-ibig