Home > Financing Schemes in Housing Loan

Financing Schemes in Housing Loan
​Inquire Now for More Pics and Updated Computation, Reach me thru Facebook

Choose your Financing OptionsThere are 3 popular financing options here in the Philippines when a buyer/investor would like to loan a certain amount. These are In-house financing, Bank Financing, and Pag-IBIG Financing.


In-house Financing - you get to borrow money (or loan for your balance) "internally" or from the developer itself
  • Advantages - easy approval; no or minimal background check; developers are more flexible/easy to talk with when it comes to late payments
  • Disadvantages - shorterm term (usually max is 10 years); highest interest rate (can go as high as 21%)

Bank Financing - you borrow money from a bank to pay off your balance from the developer
  • Advantages - longer term than in-house financing (can go upto 15 to 20 years in some banks) ; lower interest rate than in-house financing (usually from 9% to 12%)
  • Disadvantages - very strict when it comes to approval and late payments (can foreclose your property easily)


Pag-IBIG Financing - you borrow money from HDMF (given that you are a member) to pay off your balance from the developer
  • Advantages - longest term offered (upto 30 years max) ; lowest interest rates (as low as 6% to 11.5%)
  • Disadvantages - strict when it comes to approval and late payments (can foreclose your property easily)

Who Are Qualified for a Housing Loan?

Must be Filipino citizen.
  • Must be presently working.
  • Must not be more than 50 yrs.
  • Must be 18 yrs. – 50 yrs. old.
  • No pending legal cases.
  • No problem with marital status.
  • No unpaid credit cards or unpaid loan account
If Buyer is a Filipino Immigrant, must have a Dual Citizenship.
For OFW, he/she must not working in a war-torn countries.
For More Details, Promos, Reservation and Site Tripping
PRC Lic # 0011630
HLURB NO: NTRFO-A-06/15-0295
Contact or add on Facebook: Isra Meneses Berja
Sun (Viber) : +63925-864-3975
Globe (Viber) : +63917-587-2281
Email: izrahberja@yahoo.com

Contact or add on Facebook: Kristine Datu Berja
Globe (Viber) : 0917-712-6627
Sun(Viber) : 0943-485-3974
Email: kristine_realestate@yahoo.com