Cavite Home Guide Ph

PAG-IBIG HOUSING LOAN TIPS‼️
If kumuha ka ng house sa subdivision through PAG-IBIG, take note of these tips:

📌Always pay your monthly amortization and monitor it online via virtual pag-ibig website. They don't send monthly bills so pay your monthly amortization diligently para di lumobo utang mo.

📌Yung binabayaran mo na monthly amortization, naku ang liit lang ng napupunta nyan sa principal. I asked the staff sa pagibig and they told me about the breakdown of my P9,555.34 Monthly Amortization:

P7,166.67 interest
P235.80 Fire
P360 insurance
P1,792.87 Principal 😭
= P9,555.34 total monthly Amortization

Diba ang liit ng kaltas sa principal. Ang laki ng bayad sa interest. 😭

📌This is how you compute your monthly interest. Bigay ko na example yung amin.

1.6M = principal (total amount ng utang namin)
5.375% = annual interest
divided by 12 months

1.6M x 5.375% ÷ 12 = P7,166.67

📌That's why, it is highly recommended to pay in advance sa principal mismo if you have extra money para lumiit din ang interest na binabayaran mo. For example, after 5 years, 1M na lang principal mo so 1M x 5.375% ÷ 12 = P4,479.17

📌Di bababa ang monthly amortization mo BUT because smaller na ang interest, BIGGER na ang kaltas sa principal mo.

📌If you have extra money and you want to pay in advance, go directly to pag-ibig office and sabihin EXCESS TO PRINCIPAL yung payment mo.

---For example, magbabayad ka ng 50k and
10k ang monthly amortization,
the excess which is 40k will be deducted directly sa principal amount mo. So nakabayad ka na ng monthly Amortization, nabawasan pa principal mo.

📌Iwasan mag advance payment sa monthly amortization sa bayad centers. Mababa lang nababawas nyan sa principal mo. Bayad ka na lang sa principal.

---For example, if nag bayad ka sa payment centers ng 50k for your monthly amortization, meaning you don't need to pay for 5 months kasi nag advance ka na sa monthly amortization mo. Pero ang liit lang ng kaltas nyan sa principal mo.

📌You can pay the principal ONLY IN PAG-IBIG OFFICE not in bayad centers.

📌For example, nakabayad ka na ng monthly mo sa bayad center last April 1 tapos may extra money ka pala before your due date and you want to pay in advance, pwede pa yan. Punta ka ng pagibig office and say you'll pay DIRECT TO PRINCIPAL. Para whole amount na mabayad sa principal.

This is based on clients experience and based sa sabi ng staff sa pagibig. I hope this can help you guys. We need to be financially literate para di tayo mabaon sa utang. 😁

Credit to Ms. Kriszel Anne Pacantara

Nakakalungkot😢 Ang kinakalakihan at kinasanayan na Newscaster namin mula bata kami hindi na namin maririnig, You will be missed.

Rest in God's Hand

Sir Mike Enriquez,Thank you for your contributions. Salute

𝐌𝐢𝐧𝐝𝐬𝐞𝐭 𝐢𝐬 𝐄𝐯𝐞𝐫𝐲𝐭𝐡𝐢𝐧𝐠

https://m.facebook.com/story.php?story_fbid=1878466159179192&id=100010474773760&sfnsn=mo&mibextid=RUbZ1f

𝐑𝐢𝐜𝐡 𝐯𝐬 𝐏𝐨𝐨𝐫 𝐌𝐞𝐧𝐭𝐚𝐥𝐢𝐭𝐲

1. Rich people believe: “I create my life.”
Poor people believe: “Life sucks”
2. Rich people think long term.
Poor people think short term.
3. Rich people are committed to being rich.
Poor people want to be rich.
4. Rich people think big.
Poor people think small.
5. Rich people focus on opportunities.
Poor people focus on obstacles.
6. Rich people admire other rich and successful people.
Poor people resent rich and successful people.
7. Rich people associate with positive, successful people.
Poor people associate with negative or unsuccessful people.
8. Rich people are willing to promote themselves and their value.
Poor people think negatively about selling and promotion.
9. Rich people are bigger than their problems.
Poor people are smaller than their problems.
10. Rich people are excellent receivers.
Poor people are poor receivers.
11. Rich people choose to get paid based on results.
Poor people choose to get paid based on time.
12. Rich people think “both”.
Poor people think “either/or”.
13. Rich people focus on their net worth.
Poor people focus on their working income.
14. Rich people manage their money well.
Poor people mismanage their money well.
15. Rich people have their money work hard for them.
Poor people work hard for their money.
16. Rich people act in spite of fear.
Poor people let fear stop them.
17. Rich people constantly learn and grow.
Poor people think they already know.
18. Rich people think about great ideas.
Poor people think about gossips.
19. Rich people embrace change.
Poor people never change.
20. Rich people are risk takers.
.Poor people are afraid to take risk.
21. Rich people continually learn and grow till they're old.
..Poor people thinks that learning ended in school.
22. Rich people have multiple sources of income.
Poor people are desperately working for one.

𝐁𝐎𝐍𝐔𝐒
Be Rich there is no nobility for being Poor.

>𝐂𝐓𝐓𝐑𝐎

𝘞𝘩𝘢𝘵'𝘴 𝘺𝘰𝘶𝘳 𝘐𝘯𝘴𝘪𝘨𝘩𝘵? 𝘞𝘦 𝘭𝘰𝘷𝘦 𝘵𝘰 𝘩𝘦𝘢𝘳 𝘧𝘳𝘰𝘮 𝘺𝘰𝘶! 𝘚𝘩𝘢𝘳𝘦 𝘪𝘵 𝘢𝘵 𝘵𝘩𝘦 𝘤𝘰𝘮𝘮𝘦𝘯𝘵 𝘣𝘦𝘭𝘰𝘸!






Margeniel Dato
Cavite Rent To Own Properties For You
Pag IBIG Affordable Quality Properties For you

Thank you for trusting us our dear Valued Clients ♥️
We will do whatever it takes to help you schieve your goals

Thank you TOP 1 Take Out for the Month of April, TOP 2 Net Sales for the Month of April.

Let’s continue to Sell More Take Out more funds!

🙏

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