pedrupenduku

Normally for a housing loan, they compute for the effective rate, which is the annual interest rate multiplied by the outstanding balance of the loan. If you pay for the principal on a monthly or quarterly basis, then the next interest payment would be computed only on the outstanding balance left, since you had already paid part of the principal. So technically, your interest payments would get smaller and smaller as your principal amount outstanding diminishes over the long term. You have to be careful about banks or lenders that charge straight line interest. In other words, the interest payment is computed based on the principal amount of the loan of 1 million all through the 20 years.

Thanks... I'll take note of that sir.

sir, sorry if this is OT, but since you are talking about interest, how do you compute the interest rates in a bank if you get a loan? like for example a housing loan, if you get 1M with a 11% interest rate for 20 years, how much would the interest and how do you/they computer that?

TIA

mga sirs, anung fat burner ang mare-recommend nyo for a beginner?

TIA

mga sir,

just want to ask, gusto ko mag setup ng salt water aquarium, meron akong 50gallon na main tank and a 15 gallon sump tank. anu po ba ang mga kailangan ko equipment and pwede po ako turuan kung anung steps ang kelangan kong gawin? pasensya na po... newbie po ako eh

thanks....

stop calling me sir....

 

there are a lot of schools in the makati area. try searching fmaforum.org and pinoymma.com

maraming salamat po...

just curious po... anu po ba ang pina praktis nyo?

I have attended the pag ibig seminar yesterday sir...

base dun sa sinabi nila na ang liit lang ng pwede ko mai-loan for my current salary, tapos mas malaki ang napupunta sa interest and other stuff na babayaran mo.... although kung may pera ka is pwede mo na bayaran yung principal amount and then stop na yun plus libre ka na sa interest.

parang hind ko na gusto ituloy ang loan ko...

and dun naman sa home renovation/improvement/construction, hindi pala nila binibigay yung pera ng cash, bibigay nila ng staggered, and then yung interest is from day one na binigay sayo yung pera kahit hindi ka pa nagsisimula mag bayad, so kung matatagalan yung construction eh di ang laki nga ng interest, ganyan yata yung nangyayari sayo sir kaya ang laki ng interest mo...

well, pag iisipan ko pa kung itutuloy ko sa pag ibig or try ko kung anu ang procedure sa bank.

And saan naman work mo?

 

Are yu willing to travel to makati or ortigas?

I work in alabang sir, but planning to transfer work in makati hopefully palarin ako makalipat...

do you have a place that you can suggest sir?

What is the farthest you are willng to travel?

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not too far sir, I live near southmall. i come home from at 2PM

naku ang layo mo bro, pero share ko na rin lang ito: merong nagge-get together na mga tao sa UP Diliman (sa DMST) every wednesdays and saturdays. 9 to 11pm ng gabi ata. I can't remember clearly about the details pero alam ko mixed martial arts ang tema nung grupo. tipong punta ka dun with any background tapos turuan na lang hanggang sa maisali kana nila sa mga URCC-type of competitions. Nag-P.E. ako dati ng wrestling sa UP, pagkatapos nung course ayun, inimbitahan ako nung isang UP wrestling club member na mag-attend. sayang di man lang ako naka-attend kahit isang session.

 

anyway, good luck! tip ko start out ka with judo, then haluan mo na.

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malayo nga yun sir, and maaga ang pasok ko eh 5am so hindi ako pwede dun... pero sayang... maganda sana yun...

pwede ngang magbayad in advance...pero if u look at it closely, ur just paying the interest accumulated for the 30 years period..

 

bout the requirements... grabe... napakadami....halos lahat ng personal info mo ibibigay mo..

 

better attend the seminar para maliwanagan ka...however, sa seminar for sure maeengganyo ka ..

 

teka...pero if youre only renting a house ryt now ok ung pagibig kesa mag rent ka..un nga lang raw houses tlga....as in raw houses...better look for a good site and developer para makapamili ka ng mabuti

 

ung applied loan ko kasi is for home improvement....mahirap kce dahil ung titulo ng bahay ang nakasalalaly...may possibility pang mforfeit ung bahay kapag dka nakabayad sa tamang panahon...

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actually sir i'm eyeing for a lot and then papatayuan ko ng bahay, may prospect na ako ng lot in sta rosa laguna, 110sqm selling for 500K, and then papatayuan ng house, meron sila dun option sa loan na "purchase a lot and house construction" if i'm not mistaken, I will attend the seminar this monday kasi yun yung free time ko.

may idea ka ba or maybe a table that shows how much you can loan with the salary your getting now?

TIA

I would love to get myself a Ford Expedition...

guys,

I'm planning to buy a lot from those I see on newspaper, how do I ask ther person that I would like to have the title verified from the registry of deeds first just to make sure that the title is clean without offending the person?

and also, aside from verifying it from the registry of deeds, what else do I need to do just to make sure that its clean and I will get the real land title not a fake one, how would you differentiate a fake land title from an original one?

TIA

i'm located in las pinas and is there any school here that teaches street fighting? I prefer that one that is not too expensive... para hindi out of the budget

TIA

ex-bitager... sir, hindi ba pwede un bayaran lets say kapag meron kang extra money? lets say nakaipon ka ng mga 100thou then you want to pay that amount para mas makabawas sa utang mo, possible yun di ba? if not, and they would stick to the 30 year term that sucks!!!

hopefully they don't....

have you tried to get a loan sir? and can you give me an idea of the requirements that you filed presented to them

TIA

to the mods its ok to close this topic since i found a topic for pag ibig at the other page...

sorry for the dupe topic...

tnx

kapag nag loan ka ba sa pag ibig, will they give the money directly to you? i mean for the purpose of a housing loan? kasi i'm planning to buy a house thru an individual lang eh not thru a real state broker.

question lang po...

i'm planning to get a loan to pag ibig housing. Just want to know if they will give the money directly to me or will they give it to the person that I am purchaising the house and lot to? even if it is not thru a commercial real state broker, i will be purchaing it on an individual between me and the owner

anybody knows?

pls advise

TIA

sa picnic grove itself pwede rin, it was 2,500 for overnight for 2 person...

when I was there I paid 1,500 for several hours... kasi that rate is for an overnight of one person, pinakiusapan ko na lang yung older lady sa counter, sabi ko ndi naman kami overnight...

hi there just want to have an idea...

what is the cheapest are fare going to hongkong for like a week siguro? me my wife and my 2 yr old kid, full ba ang bayad sa kid ko?

thanks guys!!!!

IN RELATION TO PEDROPENDUKU'S QUERIES:

 

1. There was a house construction going on near my place, but the foreman says that he will give the estimate if the house is about to be constructed, he does not want to give estimation of the cost for the house because if he won't be the one to build it its going to be a waste of time for him (what a reason).

< WELL I GUESS HIS REASON IS UNDERSTANDABLE...ITS NOT EASY HAVING TO DRAW A PLAN AND ESTIMATE THE ITEMS INVOLVED...I SUGGEST YOU GIVE HIM SOMESORT OF "CARROT STICK" SO HE'D BE ABLE TO GIVE YOU WHAT U NEED..OR I SUGGEST JUST DO A PARAMETRIC ESTIMATE..USE A FACTOR OF SAY 15T PER SQM..I GUESS THAT WOULD BE A SAFE ESTIMATE >

 

2.I am planning to get a loan from Pag-Ibig for this house that I plan to build, I hope that I can get an answer and a rough estimation just to have an idea of how much I will ask for my loan. And please do include the expenses for getting a building permit, hiring an electrician and others.

 

< DONT WORRY THEY WILL ASK YOU FOR A SET OF PLANS FOR THE CONSTRUCTION AND THEY WILL APPRAISE IT BASED ON THEIR ESTIMATES..I SUGGEST MAKE TO SETS..SUBMIT TO PAG-IBIG THE ONE WHICH IS ..WELL EXPENSIVE, THEN USE THE OTHER LOW COST FOR ACTUAL CONSTRUCTION...DON'T GET CAUGHT THOUGH..YOUR LOAN MIGHT BE IN TROUBLE...BUILDING PERMIT HAS FIXED FEES..PLS REFER TO YOUR LOCAL GOVERNMENT FOR THEIR SCHEDULE AND IT DEPENDS TOO ON HOW MUCH IT WILL COST...HIRING AN ELECRICIAN..SCOUT AROUND ..LOTS OF EM DONT HAVE WORK..MOST LIKELY IF YOU ASK THE BUILDING OFFICIAL HE CAN HAVE SOMOENE DO IT FOR A FEE..

 

REPLIES A ENCOURAGED!! :thumbsupsmiley:

Thanks for the reply sir.

15T per square meter does that include the materials or is it for labor only?

I will do a computation based on what you have told me sir.

Mag kano usually ang current interest rate nang pag ibig sa housing loan. Pag 15 years to pay tapos 3 million ang uutangin.

can you really borrow 3million from pag-ibig? I thought the max is only 2M and it depends on your contribution and salary if you are capable to pay the MA.

just a thought.

Sir Nastymerlin27

I just want to ask like for how much would it cost to build a house that is 10m X 4M, consisting of 3 floors, floor to ceiling height is 3m, the roof will be made of concrete as well as it will serve as a terrace.

Ground floor will be a 2 bedroom, 2 toilet and 1 shower ( will be used for bed spacing)

2nd floor will be the living room and dining room and 1 Toilet and Bath (for family use)

3rd floor will be the bedrooms, 1 master's bedroom and then 2 bedroom (for family use)

Roof Deck with a 1m concrete fence around, may have to install a beam of 2.3m high (other purpose in the future, possible lagyan ng duyan or anything)

Location will be in las pinas, almanza 1 just before the entrance of pilar village. There was a house construction going on near my place, but the foreman says that he will give the estimate if the house is about to be constructed, he does not want to give estimation of the cost for the house because if he won't be the one to build it its going to be a waste of time for him (what a reason).

I am planning to get a loan from Pag-Ibig for this house that I plan to build, I hope that I can get an answer and a rough estimation just to have an idea of how much I will ask for my loan. And please do include the expenses for getting a building permit, hiring an electrician and others.

Thanks much.

Angelica

Gerald

Uma

I would like to have my aquarium... just a question to the experts, which is better for a beginner? salt water or fresh water? which is less in maintenance? which is more easier? I also noticed that salt water fishes are more cheaper than the fresh water fishes...

please advise

TIA