Monday, March 11, 2013

Housing Loan

It's a more than a week now since we started to think about getting a house, a sudden future plan was thought about and it's really happening.  The dream of owning a house one day, hubby and I have talked about buying a house knowing one day we will still leave in the current house we are staying.  It comes to the point that we are decided to get a home loan, a big commitment but well we will be the one who will benefit and it's better than forever renting a house.Our family is getting bigger and need to move in to much bigger place.
 
A few days ago, I've started to research, inquire and visit a bank to ask about home loan, the current annual fees, the hidden fees, mode of payment, requirements to apply and everything about home loan.They said there's a lot of homework and research what sort of property and visiting financial institution for comparison of home loan especially the rates but I think when everything is all fine, it's all worth the time and effort of running around just to get the right loan. First option is to get it thru Pag-IBIG, because you can loan it for 25-30 years in small monthly fees. In banks like BPI and BDO you can only have until 15-20 years, but bank loans is much faster to get approved rather than Pag-ibig. There are low cost housing or row housing, but you need to make sure the amenities and in long term how it is established. Sometimes row house is getting crowded.

I would like at least 150sqm that would range to 1.5-2m like what the Jubilation south subdivison offers. :)  This is a long term goal for the family, and good investment for the future. In such time we can get ours. :)
 


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