Cavite House and lot for sale
Cavite House and Lot
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Get a Loan in Pagibig with these 6 Easy Steps!

       We in Cavite House and Lot will make sure that our buyers will be updated and knowledgeable in every transaction with us.

       We (Cavite House and Lot) encountered a lot of our prospective home buyers who's not fully aware on how to use their Pagibig Membership in acquiring a house and lot or how to make a loan on House Improvements. Worry no more our beloved buyers because we're here to guide you, researched and gathered series of information on how to porperly answer all of your concerns :)
       Here are the 6 Easy Steps Guide in Housing Loan Availment using your Pagibig Membership

STEP 1: Get your checklist of requirements, Housing loan ( HL) application form and other related forms at the Servicing Department, 2nd floor JELP business Solutions Building #409 Shaw Boulevard, Mandaluyong City ( For NCR accounts or any provincial branch office ( for provincial account ) or at www.pagibigfund.gov.ph ( click forms )

● Health Statement Form ( Medical Questionnaire )
– For OFW members over 60 years old
– For loans over P2M to P6M and for borrowers aged up to 60 yrs old
● Health Statement Form ( Medical Questionaire ) and full medical examination
– Borrowers over 60 years old.
Requirements for Pag-IBIG Housing Loan Availment 6 Steps in Pag-IBIG Housing Loan Availment - Construction of House or Home Improvement Avail It Thru Pag-IBIG Housing Loan Submit1

STEP 2: Submit your Housing Loan Application to the Pag-IBIG Fund with complete requirements. Pay partial processing fee of P1000 ( non-refundable )

● For NCR Properties, file at any of the following :
– JELP Business Solution Building #409 Shaw Boulevard,
Mandaluyong City ( Near Dumlao Gym)
– Kamias Branch # 795 Anchor Center Edsa, Quezon City (Near GMA Kamuning
Station)
– Imus Branch : Olma Building, Emilio Aguinaldo Highway, Imus Cavite
● For Provincial Properties : To be filed at the Pag-IBIG office nearest
the subject properties Processing Period:20 working days
(Inclusive of credit Investigation and Property Valuation):
● You may also file your HL application online via www.pagibigfund.gov.ph and
click “E-Services”


For purchase of House and Lot Mortgaged with Pag-IBIG fund 6 Steps in Pag-IBIG Housing Loan Availment - Construction of House or Home Improvement Avail It Thru Pag-IBIG Housing Loan approved

STEP 3: Receive you notice of Approval ( NOA ) / Letter of Guaranty (LOG ) and sign your loan documents

● NOA will be released only to the borrower or to the attorney-in-fact for OFW
borrowers, provided with SPA
For purchase of House and Lot Mortgaged with Pag-IBIG fund 6 Steps in Pag-IBIG Housing Loan Availment - Construction of House or Home Improvement Avail It Thru Pag-IBIG Housing Loan check release

STEP 4: Accomplish you NOA requirements for check release. NOA will be released only to the borrower or to the attorney-in-fact for OFW. You are given 90 calendar day to do the following :

A) For the Purchase of House and Lot / Purchase of Condominium Unit / Purchase of Lot

– Give LOG to the seller
– Proceed to the BIR payment of capital gains tax and documentary stamp tax.
– The BIR will issue Certificate Authorizing Registration
– Proceed to the local Government Unit ( LGU ) for the payment of transfer tax
– Proceed to the Registry of deed for the transfer of the title and annotation of
mortgage
– Proceed to the LGU for the transfer of tax declaration
– Submit complete requirments to the Pag-IBIG fund
B) For purchase of House and Lot Mortgaged with Pag-IBIG fund

-Proceed to the BIR for Payment of Capital Gains Tax and Documentary Stamp
Tax. The BIR will issue Certificate Authorizing Registration
– Proceed to he Local Government Unit (LGU) for payment of transfer Tax
– Go to the pag-IBIG office to schedule trip to the registry of Deeds ( RD ) for
transfer of title and annotation of mortgage
– Proceed to the local Government Unit ( LGU ) for transfer of tax declaration
– Submit complete requirments to the Pag-IBIG fund
C) For construction of house/home improvement

– Proceed to the BIR for payment of documentary stamp tax
– Proceed to the Registry of Deeds (RD) for annotation of mortgage
– Submit complete requirments to the Pag-IBIG fund
D) For Refinancing

– Proceed to the bank/ financing institution to give the letter of guarantee ( LOG )
and loan and Mortgage Agreement ( LMA )
– Proceed to the Registry of deeds ( RD ) for annotation of mortgage
– Submit complete requirements to the Pag-IBIG fund
For purchase of House and Lot Mortgaged with Pag-IBIG fund 6 Steps in Pag-IBIG Housing Loan Availment - Construction of House or Home Improvement Avail It Thru Pag-IBIG Housing Loan running cats

STEP 5: Receive loan proceeds at the Pag-IBIG Fund

● Payee to bring two ( 2) valid ID’s . ( Payee is either the borrower, the seller,
or the a third party to which the loan proceeds is assigned to be released.)Borrower to bring 12 PDC’s ( if Payment is not thru salary deduction )

● Loan proceeds will be released to the person /institution assigned by the borrower/buyer.
For purchase of House and Lot Mortgaged with Pag-IBIG fund 6 Steps in Pag-IBIG Housing Loan Availment - Construction of House or Home Improvement Avail It Thru Pag-IBIG Housing Loan Pay

STEP 6: Start paying your monthly amortization

● One month from DV / Check Date

● For house construction / home improvement, one month DV check Date of the final loan release
● For house construction / home improvement, the loan release shall be staggered based on progess of construction.


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