APEC Homes Projects

Paano nga ba ang proseso ng pagkuha ng sariling bahay? Lalo na thru Pagibig Housing Loan or Brand New

Makakatulong 'to. Basahin mo to friend. 😊

🔎🔎THINGS TO KNOW WHEN BUYING A HOUSE!!!🔍🔍
🏡Budget - magkano ba kaya mong monthly? Kung magkano lang kaya mo doon ka mag-umpisa tumingin.

🏡Location - consider mo pa rin ang budget mo.

🏡 Required Monthly Salary - Check mo na kaagad kung magkano sweldo mo kase doon sa rate lang magbabase kung magkano monthly pwede mo kunin! (pwede combined salary ninyo mag-asawa o family)

🏡Marital Status - laging tandaan ang legalities kapag kasal ka sa papel kahit na hiwalay kayo sa mata ng batas conjugal property padin ang lahat ng pagmamayari ninyo at need na ng Cenomar from PSA.

Common Questions:
🤔1. Saan po ba may mura?

🤔2. May Rent To Own po ba kayo?
⏩ wala naman talagang rent to own. Maglalabas ka rin ng pera sa Equity or Downpayment at yung remaining pwede na maloan sa pagibig at magmomonthly ka nalang sa pagibig kaya parang rent to own ang labas.

🤔3. May Lipat Agad po ba kayo?
⏩ kung kaya mo magbayad ng cash maaring makalipat ka agad.
⏩ kung installment hihintayin muna matapos Downpayment pagbayad na saka palang maprocess sa pagibig na usually 3-6months. (pwede mo bayaran ng cash ang Downpayment para maprocess agad sa pagibig)

🤔4. Kelan pwede makalipat?
⏩ kung na release (NOA) na ng pagibig o bank ang housing loan mo.

🤔5. Ano ang Pre-selling?
⏩ ibig sabihin nito itatayo palang ang bahay mo, usually 3-4 yrs turn over sa mga affordable or low cost housing. Ang maganda nito mura pa ang price ng bahay kase wala pang development (30-40% cheaper vs RFO). Maari mo din bayaran pa ng installment ang Downpayment or Equity.

🤔6. Ano ang Equity?
⏩ ito ay same lang ng Downpayment at required mong bayaran bago pwede maloan sa pagibig.

🙂HOW TO AVAIL:
✨️1. Join our free tripping (message mo ko para makapagsched tayo)
✨️2. Choose a unit after tripping and pag may nagustuhan ka, reserve mo na agad para d na makuha ng iba (pay the reservation fee
Initial Requirements:
📌2 Valid ID(SSS, Company, TIN, Passport, PRC, etc.)
📌One month latest payslip(buong buwan )
✨️3. 30 days after reservation the downpayment will start
✨️4. Submit the remaining requirements within 30days from reservation.
✨️5. after downpayment wait for Pagibig processing 3-4months before the start of Monthly Amortization.

‼️Buyer's Requirements:

STANDARD REQUIREMENTS
📌Marriage Certificate/Birth Certificate/CENOMAR
📌2pcs. 1x1 and 2x2 Pictures
📌Proof of Billing Address (electric bill , or water bill)
📌TIN

‼️FOR LOCALLY EMPLOYED
📌ITR
📌Original and Notarized Certificate of Employment with Compensation(COEC)
📌Payslip for the latest 3 months

‼️FOR SELF-EMPLOYED
📌Bussiness Registration(DTI/SEC)
📌Mayor's Permit
📌ITR for the last 2 years
📌Original Audited Financial Statement (CTC from BIR)
📌Franchise/OR/CR for TAXI/JEEPNEY/BUS OPERATORS
📌PTR( for practicing professionals )
📌Certificate of Engagement
📌Brgy. Clearance

‼️FOR OFW
📌Original Certificate of Employment with Compensation(Consularized)
📌Photocopy of Contract of Employment
📌Photocopy of Passport (with entries)
📌Photocopy of Seaman's Book
📌Proof of Remittances and SPA ( with consular seal if notarized.

😊🏡❤️For more details and other queries , Just PM or call ☎️+639084208030

By 2028, travelling between these three provinces under two (2) hours will be possible 🇵🇭

Connecting Clark, Pampanga to Calamba City, Laguna with 36 stations in between linking major cities and business districts in the provinces of Laguna, Bulacan, and Pampanga and cities in Metro Manila.

The North–South Commuter Railway (NSCR), also known as the Clark–Calamba Railway, is a 147-kilometer (91-mile) urban rail transit system under construction in the island of Luzon in the Philippines. Running from New Clark City in Capas to Calamba, Laguna with 36 stations and four services, the railway is designed to improve connectivity within the Greater Manila Area, and it will be integrated with the railway network in the region.

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