Help: Which property status?

1️⃣ Ready For Occupancy (RFO):  A property in which can be moved in soon after the sale.  These are typically units/condos that are ready to move in.

2️⃣ Home Equity: Is where you own the property outright already and would like to use the home as collateral to take out a loan for various purposes such as: go on a holiday, buy a car, consolidate debt, pay for education expenses, etc.

3️⃣ Re-Selling: You are buying a property from a a previous owner (the seller).  These are not new properties from a property developer.

4️⃣ New Construction: You are building a property. In this case, the home loan will be paid out over several instalments as the property is slowly built.

5️⃣ Renovation: Means you own the property already and are wanting to renovate it to upgrade its appearance and/or increase its size. The home loan will be used for the renovation cost.

6️⃣ Refinancing: You have a home loan with a bank already but would like to move the home loan to different bank to take advantage of a lower interest rate. The home loan will be moved from Bank A to Bank B.

7️⃣ Pre-Selling:  Is the stage where a real estate developer is offering or marketing properties — either condominiums, townhouses, or houses and lots — before they have actually completed building them.

Ano ang status ng property?

Is the property title in your name?

Ang titulo ng property ba ay nasa pangalan mo?

What is the value of the property?

What price are you paying for the property?  Or, what is the property worth?

Ano yung halaga ng property?

Magkano ang binabayaran mo para sa property? O, magkano ang halaga ng property?

What is your employment status?

Which option best describes your working situation?

Help: Which employment type?

1️⃣ Employed - Private Sector:  This is the option most people will chose.  It means you are not working for, say, the government nor are you self-employed.  Instead, you work for a regular company providing goods or services.

2️⃣ Employed - Government:  This means you are working directly for the government in some role.  Your employer is a Philippines government department.

3️⃣ Employed - BPO:  This is similar to Employed - Private Sector except the employer is a Business Process Outsourcing (BPO) center.

4️⃣ Employed - OFW/Seafarer:  This employment type is for Overseas Filipino Workers (OFW) and seafarers.  Note that most banks will require a seafarer to be onboard for the application.

5️⃣ Self-Employed:  This option is for those people that own their own business and their source of income is from that business.

6️⃣ Professional:  This option is for professionals such as doctors etc.

Ano ang iyong employment status?

Alin sa mga sumusunod ang pinakamainam na naglalarawan sa iyong employment situation?

Is your employment any of these?

Select which option best describes your job.

Ang iyong trabaho ba ay isa sa mga ito?

Pumili ng opsyon na pinakamainam na naglalarawan ng iyong trabaho.

How long have you worked for your current company?

This is about employment tenure. 

Gaano katagal ka nang nagtratrabaho sa iyong kasalukuyang kumpanya?

Ito ay tungkol sa employment tenure. Gaano katagal ka na sa iyong kasalukuyang employer?

What is your nationality?

Note that our lending partners classify former Filipinos as foreigners.

Ano ang iyong nasyonalidad?

Pakibigyang pansin or pakatandaan na ang mga dating Pilipino ay itinuturing ng dayuhan ng aming mga lending partners.  Mayroon ka bang buwanang binabayaran na loans tulad ng 

Do you have a local visa?

For example, permanant residency, or investment visa?

Do you have any other loans?

Do you have any monthly repayments for loans such as a car loan, personal loan, etc?

Mayroon ka bang ibang loan?

Mayroon ka bang buwanang pagbabayad para loans tulad ng car loans, personal loans, atbp?

What are your monthly loan repayments?

What is the total amount you pay each month for all other loans.

Ano ang iyong buwanang loan repayments?

Ano ang kabuuang halaga ng binabayaran mo bawat buwan para sa lahat ng iba pang mga loans?

Do you have a credit card?

Or have you ever had one?

May credit card ka ba?

O nagkaroon ka na ba dati?

Have you ever had a credit card cancelled?

Did the card provider cancel your card for reasons such as unpaid repayments?

Nakaranas ka na ba ng kanseladong credit card?

Nakansela ba ng iyong card provider ang iyong credit card dahil sa mga dahilan tulad ng hindi nabayarang monthly repayments?

Do you have a letter of clearance from the credit card provider?

Credit card providers provide a letter to confirm that all debts have been settled.  Do you have one of these letters?

Meron ka bang letter of clearance mula sa iyong credit card provider?

Ang mga credit card providers ay nagbibiggay ng sulat upang kumpirmahin na lahat ng utang ay nabayaran na. Mayroon ka ba ng isa sa nga sulat na ito? 

What is your gross monthly income?

How much do you earn each month?  This is used in the loan calculation eligibility.

Ano ang iyong gross monthly income?

Magkano ang kinikita mo bawat buwan? Ito ay ginagamit sa loan calculation eligibility.

Do you have any other sources of income?

Do you have other monthly income such as from an investment property etc?

Mayroon ka bang ibang pinagkukunan ng kita?

Do you have other monthly income such as from an investment property etc?

Other income amount

Do you have other income such as from an investment property etc?

Anong iba pang mga pinagkukunan ng kita?

Do you have other income such as from an investment property etc?

Are you married?

Are you currently married, previously married, or never married?

Kasal ka na ba?

Kasal ka ba ngayon, noon, o hindi pa kailanman?

Is your marriage formerly annuled?

Have you fully completed the annulment process?

Ang iyong kasal ba ay opisyal na ini-annul?

Buong-buo mo na bang natapos ang proseso ng annulment? 

What is the gross monthly income of your spouse?

How much does your spouse earn each month? This is used in the loan calculation eligibility.

Ano ang gross monthly income ng iyong asawa?

Magkano ang kinikita ng iyong asawa bawat buwan? Ito ay ginagamit sa loan calculation eligibility.

Can your former spouse co-sign?

Our lenders will require that your former spouse co-sign the loan documents.

Pwede bang mag co-sign ang iyong dating asawa?

Kakailanganin ng aming mga lenders na pumirma ang iyong dating asawa sa mga loan documents. 

Would you like to add a co-borrower?

This can help increase your changes of approval.  

Gusto mo bang magdagdag ng co-borrower?

Ito ay magpapataas ng iyong chances of approval. 

What is the gross monthly income of your co-borrower?

How much does your co-borrower(s) earn each month? 

Ano ang gross monthly income ng iyong co-borrower?

Magkano ang kinikita ng iyong co-borrower(s) bawat buwan?

What is your birthday?

This is used to ensure your loan repayments will be finished by the time you reach 65 years of age.

Kailan ang iyong kaarawan?

Ito ay ginagamit upang tiyakin na matatapos ang iyong bayaran para sa loan bago mo maabot ang edad na 65.

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