06/10/2025
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Please donβt be offended when we, brokers/ real estate salespersons, ask some information about your incomeβitβs an essential part of our qualification process.
Why is pre-qualification important when assisting clients who inquire?
Letβs break it down:
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Thereβs an age limit when applying for a property.
If youβre under 38 years old, you qualify for the 30-year payment term, which offers the lowest monthly amortization.
Pag-IBIG allows housing loans only up to age 70. Bank term usually is up to 15 or may be 20 years.
*** Special arrangement for Cash payment (full payment)
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Please be honest.
Only those who are Single, Married, or Widowed can avail of a housing loan.
If youβre Separated, you must be legally separated.
Otherwise, Pag-IBIG or bank financing wonβt be possible unless your ex-partner agrees to submit the required documents.
In this case, In-house Financing or Deferred Cash may be your alternative options.
*** legally annulled or divorced ( from other countries) will require a document
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Yes, we need to know your job so we can prepare the correct requirements for you, like if you are employed, self-employed or with a business.
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We ask this not to pry, but because every property has different salary requirements depending on its type and location. There is a gross monthly income requirement in each property.
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We also need to know this because the requirements differ for locally employed individuals and OFWs.
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If you prefer Pag-IBIG Financing (which offers the lowest interest rates), being a member is a must.
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Pag-IBIG requires at least 24 months of contributions.
If you havenβt reached that yet, you can do a lump sum payment or update your account if youβve stopped contributing.
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