PAG-IBIG

VERSUS

BANK
FINANCING
WHICH IS BETTER TO USE FOR HOUSING
LOAN?

Pag-ibig member for at least 24 months

contribution
Not more than 65 years old
No existing multi purpose loan in arrears
No other pag-ibig housing loan that had
been foreclosed
.

Fictional literature is
made from the
imagination

No membership needed
Must be a Filipino citizen or if foreign
national must -be married to a Filipina
Filipino citizens, of legal age but not
more than 65 years old upon maturity of
the loan.
.
Foreign nationals are allowed for
condominium purchases only.

Non Fiction is
literature that is
based on fact

Documents to be Submitted
If locally employed
Certificate of Employment (COE)
indicating
.
salary, position and length
of service
Latest Income Tax Return (ITR)
for the
.
last 2 years
If Expat Pinoy (Overseas Filipino Worker)
Contract / Certificate of Employment
(COE)
authenticated by Philippine Consulate
If Self Employed
Articles of Incorporation and By-Laws
with SEC Registration Certificate
Audited Financial Statements for the
last 2 years
DTI Registration
Income Tax Return w/ Statement of
Assets and Liabilities
,
,
(SAL) for the last 2 yrs
,
,
,
List of Trade References (at least 3
names with telephone
nos. of major .
,
suppliers/customers)
Bank Statements for the past 6 months

Its purpose is to
entertain You read
to enjoy

Its purpose is to give

information You read
to learn

It uses narrative
elements such as
theme, conflict,
characters, setting,
and resolution.

It uses text features

like the table of
contents glossary
index labels charts
photos and graphs

ITR
TIN
Latest 3 months payslip
.
Cedula or Residence Certificate
.
Proof of Billing
Business Permit (for business owners)
Job Contract with Visa and Passport for OFW
Marriage contract (for married applicants)
NSO birth certificate (for single)

Payment Period
Maximum of 15-30 years

Usually 5-10 years, sometimes as

much as 20 years

It
gives
readers
It gives readers a
information or
theme, message,
directions
on
how
moral
,
or
lesson
.
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to do something.