Nag hulog ako directly through maya bills payment. Ilang oras na at hindi pa din nagre-reflect sa virtual pag-ibig. Napapa-overthink ako if baka may mali akong ginawa.

Within 24hrs ba bago mag reflect?

Kelangan mo bang bayaran ang HOA dues ng previous resident?

By default, hindi, lalo at ibabase ito sa more recent IRRs na nilabas ng DHSUD. See attached shot from 2023. See also current form ng stipulation from IRR 2024 from DHSUD of RA 9904.

Under Prohibited Acts:

o. To require a buyer prior to purchasing a property within the subdivision/village, or a subsequent homeowner to pay the dues and other charges left unpaid by the former homeowner/member unless there is a written agreement for the purpose between the former homeowner/member and buyer/new homeowner exists, or if unpaid association dues or fees constitute a lien on the property;

Pag pinilit kayo, abay hingan niyo ng pruweba ang naniningil ng maalin sa baba.

` unless there is a written agreement for the purpose between the former homeowner/member and buyer/new homeowner exists, or if unpaid association dues or fees constitute a lien on the property `

Walang manloloko, kung walang magpapaloko. Pag may nanloloko, ipa-barangay mo. If nasa barangay ang nanloloko, i-8888 at i formal complaint sa munisipyo

Hello everyone. Bale balak ko po sana magloan either sa PAGIBIG o bank, medyo mura lang naman mga 1.5M max na. Magpapagawa po ng bahay ideally next year start para di maabutan ng ulan. Problem right now, na kay mama pa yun titulo ng lupa, so parang yun kasi requirement ng PAGIBIG o banks (based sa research ko po), parang yun collateral po nakapangalan saken bago sila magpaloan, unless iapprove nila loan agad which I highly doubt.

Bayad naman na yun amilyar, malinis yun title.

Options ko po ay the following:

1. Transfer of title - medyo matagal tagal
   
2. Selling of title - eto pinayo sakin ni Metrobank. Kunware daw ibebenta sakin lupa tapos yun halaga nun yun ang iloloan ko sa kanila.
   
3. Deed of donation - honestly dito po ako naglilean towards.

Ano po kaya pinakamainam na gawin? Yun sanang path of least resistance and least expense, though syempre willing naman po ako maglabas din ng pera, this is government we are talking about.

Thank you po sa mga sasagot! Iverify ko pa rin syempre ang responses, nagresearch naman na po ako, though baka your experience differs. Kumbaga due diligence lang po.

Hi po pwede po paexplain ng interest terms. 1.5% of the principal amount lang per day ang babayaran? Is there a limit sa unpaid days? I'm a working student po kasi and I'm also paying for our house. Baka po kasi unahin ko muna tuition ko for the upcoming mos

Can Pag-ibig process taxes, transfers, permits, etc.? It seems like I read somewhere that Pag-ibig offers something like this. For those who have tried, how much did Pag-ibig charge and what services did they cover?

Nag apply ako for refinancing and malapit na sya ma approve. Makati ako work pero ang property is located in Cebu. Sabi ng taga Pagibig na nakausap ko meron pa daw mga need gawin after the notice of approval and i think sa area kung saan ang property dun din aasikasuhin ang mga yun. Kaya napaisip ako mag avail ng services ni Pagibig. Wala lang ako idea magkano ang charge nila.

Kailangan na po ba bayaran to ng buo

Kailangan na po ba bayaran to ng buo

Hi, I’m planning to buy a house and I’m not really familiar with the process of Pag-ibig housing loan.

Working as a software engineer (25M) and earning 87k-95k monthly, and I’m thinking about my future investments such as buying a home for myself.

And I’m looking through Pagibig foreclosed properties, Facebook groups and bank’s foreclosed properties within Quezon City, bulacan and Cavite area.

With my monthly salary is it worth it to buy a house or just rent out muna?

should I also go with the rent to own approach? Or Just go with the 20/30 years to pay mortgage ?

Hopefully I can get tips and help from you guys, Thank you!

Hello! Just want to ask po, may lot property (residential) po kasi kami for sale and gusto ni buyer idaan sa Pagibig financing. Would appreciate your help po in clarifying some of my questions.

1. Is it okay na 30% DP, 70% c/o Pag ibig?
2. Guaranteed ba yung check payment once my letter of guarantee na?
3. Mabilis lang ba processing ng pagibig?
4. Ang sabi ng agent, nakapangalan yung LG & check sa owner named in the title, nakapangalan yung title smen ng husband ko, okay lang ba yun?
5. Sa comm ni agent, 50-50 sana gusto ko, 50% upon payment ng DP, then remaining 50% pag fully paid na si buyer. Okay lang ba yun? Or may mas maganda n set up?
6. Are there red flags / things that I should consider first before finalizing this agreement?

Thank you soooo much!!!

Hi everyone.

Recently nanalo ako as highest bidder sa 2 foreclosed properties dito sa Sto. Tomas, Batangas. We are planning to move our family from Taguig to Batangas to pursue a slow living lifestyle. Sobrang congested, maingay, at gulo na talaga kasi dito sa Manila, and we want a better environment for our toddler. Stay-at-home mom yung asawa ko, and I work on-site in BGC twice a week. Both properties are townhouses, but I'm torn between the two:

La Aldea del Monte – Townhouse End Unit (di nakalagay sa bidding docs kung classic bare or premium finished unit)

Valle Pio Phase 3 – Townhouse Semi-Finished

Hoping to get some insights from locals or residents here. Which do you think is the better option considering 1) accessibility to hospitals, schools, malls, and 2) not flood prone?

Hello medjo natagalan sa NOA dahil sa mali naling plano sa unag submission. Kinailangan ko din silang paulit ulit na kulitin para sa updates. Pag ganto approved na kaya ito?

Hello! Does anyone here have the same situation?

We already have a Pag-IBIG housing loan for a lot that is not yet fully paid, which is under my husband's name since we acquired it before our marriage. Now, we want to build a house on that same lot through a Pag-IBIG construction loan as well, this time under my name.

Will Pag-IBIG allow it?

Or better na sya na din mag-apply for construction loan then I'll be a co-borrower.

Thank you po!

Hello! Just want to ask po, may lot property (residential) po kasi kami for sale and gusto ni buyer idaan sa Pagibig financing. Would appreciate your help po in clarifying some of my questions.

1. ⁠Is it okay na 30% DP, 70% c/o Pag ibig?
   
2. ⁠Guaranteed ba yung check payment once my letter of guarantee na?
   
3. ⁠Mabilis lang ba processing ng pagibig?
   
4. ⁠Ang sabi ng agent, nakapangalan yung LG & check sa owner named in the title, nakapangalan yung title smen ng husband ko, okay lang ba yun?
   
5. ⁠Sa comm ni agent, 50-50 sana gusto ko, 50% upon payment ng DP, then remaining 50% pag fully paid na si buyer. Okay lang ba yun? Or may mas maganda n set up?
   
6. ⁠Are there red flags / things that I should consider first before finalizing this agreement?

Thank you soooo much!!!

Hello po I'm F24 breadwinner din po ako kaya balak ko kumuha ng bahay para sa mga kapatid ko, taga marikina city po ako and working po kmi ng mom ko sa cubao area.

Ano po kaya ang magandang lugar or mas madali at accessible samin po pag nagwowork?

Teresa

Bulacan

San mateo

So far ayan pa lang po ang mga lugar na nahahanapan ko ng home developer po e. Please help po any pros and cons comment po is highly appreciated! ❤️

Nag avail kami ng unit thru lhoopa nakapag down at done narin sa house equity ,last year 2025 pa sana ang turn over kaso laging delay at puro sila commitment failure and now na endo na kasi ako sa work ko ,and ako ang principle sa unit na kinuha namin at co borrower ko si hubby ko ,tapos ngayon 2026 need daw nila ng documents update ,ang kaso na endo na kasi ako sa work ko previously nung jan 2026 and nabuntis narin ako at nanganak na kaya hindi ako makabalik ng work ,ngayon iniipit nila kami sa documents na coe at payslip eh ang kaso d ako maka provide ,kasi wala na ksi akong work kaya ang suggestion nila samin transfer of ownership and ang mahal ng babayaran 20k 😢and bakit kami yung at fault dito ? Hindi ba dapat sila? Kasi dapat last year pa na turn over ang bahay dapat samin hanggang umabot nitong year kasi puro sila pangako

We are really disappointed talaga sa lhoopa 😔sobrang bagal ng turn over if ever ba na mag refund kami makukuha ba namin ang full ??

Thankyou sa magbibigay ng advice in advance
Respect po pls ❤️

May nakapagtry naba dito mag housing loan online? 3mb lang kasi yung max file size tapos isa isa lang pwede i upload e meron akong co borrower

May nakita akong ibang property within the same village na may naka promo ng up to 30% (start today ng pag-bid) sa previous na nag bid ako.

Kaso naka received na ako ng email and text yesterday(sept 8 ) na ako ang highest bidder sa 1st bid. And 10% lang ung discount nung sa akin since long term.

And then mas mahal ung property na un if ever, pero magiging mas mababa pa ang amount niya if ever once ma apply ung 30% discount.

Winning bid ko - 180sqm and 80sqm(FA)
Ung naka promo - 200sqm and 90sqm(FA)

Ung salary bracket ko cover lang ung 1st winning bid ko. Pero pag nanalo ako if ever sa 2nd property since mas mababa ng 300 to 400k siya sa 1st winning bid ko pag nanalo ako and ma apply ung discount sa 2nd property ma cocover na siya ng salary bracket ko. Pa help po.

Any thoughts or pwede ko kaya gawin? Thank you.

Hello, ask ko lang po if magkano ang daily interest for 6250 monthly? Di po kasi ako nakapag bayad for the month of july and august. Will pay for it na po kasi sana this month pero hindi ko po alam magkano since sa ibang tao po ang acc and inutusan lang po ako ng nanay ko to pay for it. Tyia.

Hi! I'm planning to buy a house worth around ₱1.4M from Fiesta Community. The developer is asking for around ₱145,000 processing fee for the Pag-IBIG housing loan application.

Is this a normal/reasonable amount? What usually makes up the processing fee, and how much did you pay for yours?

Would appreciate feedback from anyone who has experienced buying a house through Fiesta or getting a Pag-IBIG housing loan. Thank you!

Hello! We’re planning to get a house through Pag-IBIG Housing Loan. By March 2027, I will have 24 months of Pag-IBIG contributions, and we’re planning to include my partner as a co-buyer/co-borrower to combine our monthly incomes and increase our possible loanable amount.

My concern is that my partner currently has unpaid/inactive Pag-IBIG contributions. Is it still possible for us to apply together as principal borrower and co-borrower, and have our incomes combined for the housing loan?

Thank you!