You may complete a copy of your own latest ITR you to definitely possess good BIR stamp. I think because of it that, you’re going to have to visit your RDO to acquire stamped.
While a freelancer otherwise operator, you could potentially fill in a duplicate of one’s audited ITR and BIR stamp. We did not try this one to because the We wasn’t the person who applied for the borrowed funds and that i don’t sign up for getting co-debtor, but I think this will mean getting your newest ITR, and just to be on the safer top, your bookkeeping books, into the RDO.
Whenever you are operating, you may choose to complete their certified 1 month shell out sneak old at least three months before big date out of software. Jay decided to fill out around three so you can close the offer, haha! The guy and recorded his COE plus them.
That is toward initial step. Pag-IBIG have a tendency to assess the distribution to evaluate your own qualification to make use of to possess a home loan.
Once you have submitted these data on the internet, might discovered a message prompting one pay money for the newest control fee. We repaid Php step one,000. Make certain you print out a copy of verification of the percentage. You will have to provide so it so you can Pag-IBIG , plus the other requirements, once you have been invited to check out their work environment using current email address otherwise a trip.
Here are the data files that you ought to give Pag-IBIG after you’ve already been asked add your articles personally:
step 1. All of the original copies of data files your filed in the very first techniques, except for the latest selfie. You should have your ID photocopied.
dos. A duplicate of the Special Fuel from Lawyer with the representative. (In case the manager is not from the Philippines)
The cost of notarization depends upon the newest arranged cost of the home specified on your price to offer.
They as well as inquire to take your own photo along with your valid ID again. This time, it will be their staff that will use the sample.
Appraisal stage
Given that desk officer looks more your documents and notices no inaccuracies, you are asked to pay for assessment commission. We paid Php 2,000.
We were told to wait to have a trip from just one regarding their employees concerning your schedule of the house assessment. What takes place during family appraisal is they will be sending representatives so you’re able to search our house to find out if it fits their important and criteria.
It entitled three days prior to it went to. Brand new appraisers had been at place by the 8AM payday loans Fyffe AL online. It ran in the, looked the fresh new dimensions and you will didn’t most keep in touch with united states that much. They simply went around to check per area in your house.
Next which had been they. We were told to attend because of their email whether all of our mortgage could have been approved or perhaps not acknowledged; however, it already cautioned you that household we had been seeking to purchase is short of 1 meter in width on their criteria.
Loan Declined
We acquired an email of Pag-IBIG formally proclaiming that brand new sized the house didn’t fulfill their standards, hence try one. Which was the conclusion our very own sense……for now.
I felt submitting a page out-of reconsideration, however the email address clearly reported that we had to deal with the new situation and commit to deciding to make the required transform, and this we failed to. Therefore we must take on our very own future and you can proceed.
Oh well, at the least we have gained a lifetime skills that people can be use in the future in order to train our very own high school students when it’s its turn-to purchase their house. We were, naturally, upset, but we’ll continue the hopes up until i finally discover lay we can name family.
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