Author Topic: Amount of Pag-ibig Housing Loan Based on Monthly Contribution  (Read 1192 times)

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AdGeek

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Amount of Pag-ibig Housing Loan Based on Monthly Contribution
« on: September 13, 2012, 10:09:58 AM »


Amount of Pag-ibig Housing Loan Based on Monthly Contribution
Magkano kaya ang puede kong hiramin sa Pag-ibig para pambili ng bahay?
Merong 3 factors na kino-consider ang Pag-ibig when they evaluate the housing loan amount you are applying to borrow:

1. Monthly Pag-ibig contribution
2. Value of House and Lot, Condo, Lot only, or House to be Constructed (Ito ang magiging Collateral)
3. Ratio of Monthly Amortization to your Monthly Income

Konting explanation:

1. Monthly Contribution: See table below

2. Value of Property:
Kung ang appraised value ng property ay 1.25 M or less, 90% of appraised value ang puede mong ma-loan.
Kung ang property value ay more than 1.25 M up to 6 M, puede kang maka-loan ng 80% of appraised value.
Pag-ibig Fund will appraise the property.

3. Monthly Loan Payment

For loans up to 1.25 M, dapat ang monthly amortization ay hindi lalagpas sa 35% of your gross monthly income

For loans more than 1.25 M, dapat ang monthly amortization ay not more than 30% of your gross monthly income

Example: Kung 30k a month ang sahod mo, dapat ang monthly amortization mo para sa bahay ay not more than 10,500 pesos (35% x 30k).

Sabi ng Pag-ibig, yong lowest amount resulting from the 3 factors above, yan ang amount na puede mong ma-loan.


PAG-IBIG HOUSING LOAN AMOUNTS
MonthlyHousing Loan Amount
Contribution     
(Pesos)  (Pesos)
200up to 500,000
250over 500,000 to 600,000
300over 600,000 to 700,000
350over 700,000 to 800,000
400over 800,000 to 900,000
450over 900,000 to 1 Million
500over 1 M to 1.1 M
550over 1.1 M to 1.2 M
600over 1.2 M to 1.3 M
650over 1.3 M to 1.4 M
700over 1.4 M to 1.5 M
750over 1.5 M to 1.6 M
800over 1.6 M to 1.7 M
850over 1.7 M to 1.8 M
900over 1.8 M to 1.9 M
950over 1.9 M to 2 M
1,000over 2 M to 2.1 M
1,050over 2.1 M to 2.2 M
1,100over 2.2 M to 2.3 M
1,150over 2.3 M to 2.4 M
1,200over 2.4 M to 2.5 M
1,250over 2.5 M to 2.6 M
1,300over 2.6 M to 2.7 M
1,350over 2.7 M to 2.8 M
1,400over 2.8 M to 2.9 M
1,450over 2.9 M to 3 M
1,500over 3 M to 3.1 M
1,550over 3.1 M to 3.2 M
1,600over 3.2 M to 3.3 M
1,650over 3.3 M to 3.4 M
1,700over 3.4 M to 3.5 M
1,750over 3.5 M to 3.6 M
1,800over 3.6 M to 3.7 M
1,850over 3.7 M to 3.8 M
1,900over 3.8 M to 3.9 M
1,950over 3.9 M to 4 M
2,000over 4 M to 4.1 M
2,050over 4.1 M to 4.2 M
2,100over 4.2 M to 4.3 M
2,150over 4.3 M to 4.4 M
2,200over 4.4 M to 4.5 M
2,250over 4.5 M to 4.6 M
2,300over 4.6 M to 4.7 M
2,350over 4.7 M to 4.8 M
2,400over 4.8 M to 4.9 M
2,450over 4.9 M to 5 M
2,500over 5 M to 5.1 M
2,550over 5.1 M to 5.2 M
2,600over 5.2 M to 5.3 M
2,650over 5.3 M to 5.4 M
2,700over 5.4 M to 5.5 M
2,750over 5.5 M to 5.6 M
2,800over 5.6 M to 5.7 M
2,850over 5.7 M to 5.8 M
2,900over 5.8 M to 5.9 M
2,950over 5.9 M to 6 M

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Amount of Pag-ibig Housing Loan Based on Monthly Contribution
« on: September 13, 2012, 10:09:58 AM »

Mountain View

BusinessManPH

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Re: Amount of Pag-ibig Housing Loan Based on Monthly Contribution
« Reply #1 on: May 24, 2014, 08:14:31 AM »
Thanks for sharing this post, so depende pala sa contribution mo ang magiging loan mo.... ano yun dapat ba consistent ang amount ang kinocontribute mo? what if nagbago like kunyari 300 ka lang before tapos naging 1,000 na? magbabago ba ang loanable amount mo?

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Re: Amount of Pag-ibig Housing Loan Based on Monthly Contribution
« Reply #1 on: May 24, 2014, 08:14:31 AM »

 

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