You’ll be able to fill in a duplicate of one’s most recent ITR you to definitely has an excellent BIR stamp. I believe for it one to, you’re going to have to see your RDO discover stamped.
When you’re a good freelancer otherwise a business owner, you could potentially submit a copy of the audited ITR and you can BIR stamp. I didn’t try this you to since I wasn’t the one who applied for the mortgage and i also didn’t contribute to become co-debtor, however, I think this would suggest providing your own newest ITR, and simply to go on the newest safe front side, your accounting guides, for the RDO.
If you find yourself functioning, it is possible to opt to fill out your official 1 month shell out sneak dated at the very least 90 days ahead of day away from application. Jay decided to complete around three so you’re able to secure the offer, haha! The guy including submitted his COE also them.
It is for the first faltering step. Pag-IBIG will evaluate your submissions to check on their qualifications to put on to have a house mortgage.
Once you’ve recorded this type of data files on the internet, might located an email prompting one to purchase the newest operating commission. We paid down Php step one,000. Make sure that you print out a copy of the verification of your own payment. You’ll have to provide that it so you’re able to Pag-IBIG , in addition to the most other standards, after you have become acceptance to visit the work environment through current email address otherwise a visit.
Here are the files that you should provide Pag-IBIG after you have already been asked add your documents in person:
1. Most of the original copies of your own data you submitted on the basic process, except for new selfie. cash advance usa ND You ought to supply the ID photocopied.
2. A copy of the Special Energy regarding Attorney for the agent. (Whether your proprietor isnt on the Philippines)
The cost of notarization is based on brand new assented price point of the property specified on your own bargain to market.
They and additionally ask for taking your pictures along with your legitimate ID again. Now, it will be their staff who can use the decide to try.
Appraisal stage
Since dining table officer appears more your write-ups and you will notices zero inaccuracies, you happen to be requested to pay for appraisal payment. I paid down Php 2,000.
We were advised to go to for a call from off their workers about your schedule of the house appraisal. What the results are during the domestic assessment is they will be sending agencies in order to scan our house to find out if it fits its fundamental and you may conditions.
It entitled three days in advance of it visited. The fresh appraisers was in the set because of the 8AM. They went during the, featured the newest specifications and you will did not most talk to us this much. They simply ran around to check for every single room in the house.
Upcoming which was it. We were told to wait because of their email address whether or not all of our mortgage might have been acknowledged or not accepted; not, it currently warned us the domestic we had been seeking get was lacking 1 meter wide on the requirements.
Mortgage Denied
I obtained an email regarding Pag-IBIG officially stating that the brand new size of our home didn’t fulfill its standards, and that is one. That was the conclusion the sense……for now.
We considered sending in a letter off reconsideration, but the email address clearly reported that we’d to deal with brand new question and agree to putting some required changes, and this we did not. Therefore we was required to undertake the future and proceed.
Oh well, no less than we have gained a lives skill that we is include in the near future and show our very own students when it is their consider purchase their house. We were, naturally, distressed, however, we shall remain our very own dreams up until i fundamentally select the place we can label family.