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Car and housing loan

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Car and housing loan

Post  apachecha03 on Fri Jan 02, 2009 9:16 pm

Mga bonkie, underclass lower class ko, if u are interested to avail a loan whether it be car or housing, This is under BPI which my wife is currently employed, any interested asmaapi member contact my 09202753436 or 7991126 for further info.

Take note:
This is not a scam or any modus operandi.. Laughing

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Re: Car and housing loan

Post  ace_cioco03 on Sat Jan 03, 2009 12:40 am

May discount ba bok?theres a lot of there who offer this kind of loan,any difference?

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Re: Car and housing loan

Post  almarzalmario'03 on Sat Jan 03, 2009 9:14 am

bok pwede pa ba ako dyan?kahit may previous loan?

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patch....

Post  kristophersonbaculpo2003 on Sat Jan 03, 2009 10:26 pm

pakitxt ako sa mga req.

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Re: Car and housing loan

Post  apachecha03 on Sun Jan 04, 2009 8:04 pm

ace_cioco03 wrote:May discount ba bok?theres a lot of there who offer this kind of loan,any difference?

Yes, there is. mas mababa ung interest compared to dealer by more or less 3%..

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Re: Car and housing loan

Post  apachecha03 on Sun Jan 04, 2009 8:06 pm

almarzalmario'03 wrote:bok pwede pa ba ako dyan?kahit may previous loan?

san ka ba may previous loan bok? kanina lng magkasama tayo di mo natanong hehe..ingats!

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Re: Car and housing loan

Post  almarzalmario'03 on Mon Jan 05, 2009 9:33 am

apachecha03 wrote:
almarzalmario'03 wrote:bok pwede pa ba ako dyan?kahit may previous loan?

san ka ba may previous loan bok? kanina lng magkasama tayo di mo natanong hehe..ingats!
bok nkalimutan mo kp mag mo pla sa bdo ako pero konti n lang un

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Re: Car and housing loan

Post  apachecha03 on Tue Jan 06, 2009 7:50 am

almarzalmario'03 wrote:
apachecha03 wrote:
almarzalmario'03 wrote:bok pwede pa ba ako dyan?kahit may previous loan?

san ka ba may previous loan bok? kanina lng magkasama tayo di mo natanong hehe..ingats!
bok nkalimutan mo kp mag mo pla sa bdo ako pero konti n lang un

sabi ni misis pde rin raw.. maluwag na raw sa seaman mga loan ngyon sa BPI..kp mag mo un nilagay ko sa likod ng upuan mo hehe.

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Re: Car and housing loan

Post  Pinpin03 on Tue Jan 06, 2009 11:16 pm

walang sample computation???

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sample computation

Post  apachecha03 on Sat Jan 24, 2009 2:56 pm

Pinpin03 wrote:walang sample computation???
this is what we will do first..give me your full name,the unit you want to avail,the downpayment you can give,and the term payment you want,kung ilang years gusto mong bayaran..tapos sample computation will be forwarded to you afterwards..yun lang daw bok..

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mas malaki yung chance

Post  apachecha03 on Sat Jan 24, 2009 3:01 pm

apachecha03 wrote:
almarzalmario'03 wrote:
apachecha03 wrote:
almarzalmario'03 wrote:bok pwede pa ba ako dyan?kahit may previous loan?

san ka ba may previous loan bok? kanina lng magkasama tayo di mo natanong hehe..ingats!
bok nkalimutan mo kp mag mo pla sa bdo ako pero konti n lang un

sabi ni misis pde rin raw.. maluwag na raw sa seaman mga loan ngyon sa BPI..kp mag mo un nilagay ko sa likod ng upuan mo hehe.

mas malaki yung chance ma-approve pag me previous loan...basta maganda yung status mo sa previous loan,yung laging on time sa pagbabayd..submit ka muna requirement tapos tsaka mag-isip..para makita mo lang computation..name lang,unit,tsaka term yung kailangan malaman...

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Re: Car and housing loan

Post  almarzalmario'03 on Sat Jan 24, 2009 9:15 pm

ah syempre regulr payer eh mga seaman eh kya npkdli kht mga suv maaprve tau

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Re: Car and housing loan

Post  Pinpin03 on Tue Jan 27, 2009 2:41 pm

apachecha03 wrote:
Pinpin03 wrote:walang sample computation???
this is what we will do first..give me your full name,the unit you want to avail,the downpayment you can give,and the term payment you want,kung ilang years gusto mong bayaran..tapos sample computation will be forwarded to you afterwards..yun lang daw bok..

let's say... 1.6M yung house and lot (2nd owner) direct buy from the owner. mag down ako ng 100K tapos 5 year terms. paki calculate nga...

eto e-add ko. d.hawk003@yahoo.com or d.hawk003@hotmail.com

thanks

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passing by

Post  klenstonedeocampo05 on Mon Jun 15, 2009 12:21 pm

sir ano po ung mga requirement? kc gusto ko mg-avail housing loan...

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Re: Car and housing loan

Post  klenstonedeocampo05 on Mon Jun 15, 2009 12:24 pm

sir i want 10 years to pay tpos ang i-loan ko eh 1 million for house construction...
mgkno b dpat and i-down ko? wat if kung ala nmang down?
sample computation

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sir

Post  abebuenaobra_05 on Wed Jun 17, 2009 12:08 am

sir may house nd lot ako binbayran ngaun...finish ko n equity this end of june..i plan to pay da rest through pagibig..mga 1.6m yun sir..pde b hingi ng sample computation nyo sir max years n available for 1.6m..magkano n per month nun..kc dame requiremnts pgibig eh..ang love nga nman..hehe..e2 pla email ko sir asb_cdt@yahoo.com...maraming thank you sir...

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Re: Car and housing loan

Post  apachecha03 on Sat Jun 20, 2009 2:26 pm

Checklist of Requirements

Pre-processing Requirements

A. Borrower Information

• Duly accomplished application form
• 2 valid identification cards

B. Income Documents

If locally employed

• Certificate of Employment (COE) indicating salary, position & length of service
• Income Tax Return (ITR) for the last 2 years or W2

If Expat Pinoy (Overseas Filipino Worker)

• Certificate of Employment duly authenticated by the Philippine Consulate
• Crew Contract & Exit Pass from POEA (for seafarers)
• Proof of monthly remittances
• Notarized or authenticated Special Power of Attorney (BPIFSB format)

If Self-Employed

• Articles of Incorporation/By-laws/SEC Registration
• Audited Financial Statements for the last 2 years
• Department of Trade & Industry (DTI) Registration
• ITR with Statement of Assets & Liabilities (SAL) for the past 2 years
• Bank statements for the last 6 months
• List of Trade References (at least 3 names with contact nos. of major suppliers/customers)

If Practicing Doctor

• Clinic address/es and schedules

If from Commission

• Vouchers or bank statements (for the last 6 months reflecting commission income)

If from Rental of Properties

• Rental/Lease contracts (indicating name of tenants & rental amounts with complete addresses of properties being rented)
• Photocopy of Transfer Certificate of Title (TCT) &/or Condominium Certificate of Title (CCT)

C. Collateral Documents

• Clear copy of owner's duplicate of TCT/CCT
• Lot/Vicinity map certified by geodetic engineer
• Photocopy of tax declaration/tax receipts/tax clearance
• Endorsement letter/computation sheet/contract to sell from developer stating the contract price (for accredited developer project)

For Construction Loan

• Complete set of building plan
• Bill of materials/specification/cost estimates
• Building permit

Refinancing of Loan

• Statement of account from mortgage lender
• Proof of payment for the last 6 months

D. Fees

Non-refundable appraisal fee of P3,000

Post Approval Requirements

• Original owner's copy of TCT/CCT

Certified true copy of the latest Realty Tax Declaration on land and improvements under the name of the borrower/mortgagor
• Original copy of latest Real Estate Tax Clearance
• Health Declaration form (supplied) for MRI enrollment with Ayala Life
• Medical examination with Ayala Life, if applicable
• Fire/Lightning/Earthquake insurance coverage through BPI-MS, if applicable
• Opening of deposit account with any BPI or BPI Family Savings Bank
• For Corporate borrowers, Board Resolution/Secretary's Certificate (form supplied), if applicable
• Four copies of Special Power of Attorney, if applicable

Fees

• Mortgage Registration Fees
• Mortgage Redemption Insurance Premium
• Fire/Lightning/Earthquake Insurance Premium






HOUSING LOAN


Tenor Interest Rates


1 year 9.5%


2-3 years 9.75%


4 years 10%


5 years 10.25%


6-10 years 11%


11-15 years 11.25%


16-20 years 11.50%



SAMPLE COMPUTATION:


LOANABLE AMOUNT: PHP1,000,000.00

LESS EQUITY: 300,000.00

INTEREST RATE: 11%

TERM: 10 YEARS

MONTHLY PAYMENT: (700,000.00*.11*10)+700,000.00/120

=PHP12,250.00

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Re: Car and housing loan

Post  apachecha03 on Sat Jun 20, 2009 2:33 pm

abebuenaobra_05 wrote:sir may house nd lot ako binbayran ngaun...finish ko n equity this end of june..i plan to pay da rest through pagibig..mga 1.6m yun sir..pde b hingi ng sample computation nyo sir max years n available for 1.6m..magkano n per month nun..kc dame requiremnts pgibig eh..ang love nga nman..hehe..e2 pla email ko sir asb_cdt@yahoo.com...maraming thank you sir...

abe disregard mo email ko syo na post ko na dito ung tama.. mali kasi ung computation nun eh.. thanks!

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Re: Car and housing loan

Post  pulgan05 on Sat Jun 20, 2009 8:04 pm

sir psali nman s usapan..sir pwede bang magloan ng pra s lupa jan??if pwede sir gano kalaki ung maximum n pwedeng idaan thru loan jan??ano ungmga limitations at requirements s lot n pwedeng idaan thru loan jan??slamat sir..

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gracias

Post  abebuenaobra_05 on Sun Jun 21, 2009 1:22 am

sir thnx email ako sir in case my ad question. salamat uli

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Re: Car and housing loan

Post  apachecha03 on Sun Jun 21, 2009 1:15 pm

pulgan05 wrote:sir psali nman s usapan..sir pwede bang magloan ng pra s lupa jan??if pwede sir gano kalaki ung maximum n pwedeng idaan thru loan jan??ano ungmga limitations at requirements s lot n pwedeng idaan thru loan jan??slamat sir..

pwede, iaapraise ng bank ang value ng lot, at 80 percent of that will be ur loanable amount... requirements naka post na..

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Re: Car and housing loan

Post  pulgan05 on Sun Jun 21, 2009 1:32 pm

80% lang???hmnn...kelangan b sir may acct kmi s BPI bago kmi mkpagloan??den ahmnn..ibig bang sabihin sir eh unlimited ung size ng lot...say for example sir ha..ahmnn..1.5 hectars of land n mixed agricultural at residential lot..okay lng din b un sir??kc s pagibig pagkkaalam ko maximum 1000sqm lng cla at kelangan residential ung lot...jan s inu sir??

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Re: Car and housing loan

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