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 Which is better? In-house, Bank or PAG-IBIG loan?

In-House Financing
A type of seller financing in which a firm extends customers a loan to purchase their product and services. Real Estate Developers offers this financing for their buyers for a series of installment without the hassle of going for a third party institution. This type of financing offers less requirements, less paperwork, quick processing and less background check. Although it has the fastest turnaround time, it has a high interest, fixed rates and shorter loan terms. This is applicable if you want to finish paying the house in shorter terms without the hassle of all the requirements and processing time.

Bank Financing
This is the most common way of getting financing for your dream home. They have lower interest rates and monthly amortization due to the longer terms offered but you have to qualify for their loan firsts. This type of financing usually has a lot of requirements and the qualifications are quite stringent.

Banks may lend up to 80% of the total house value but it will still depend on the buyer’s capacity to pay. The higher the income of the borrower, the higher the loan amount approved from the bank. It will also help in the processing of the loan if you have previous relationship with the bank. The interest rates from banks can may decrease during the loan period and have a competitive interest options. They also provide additional perks along with loans such as free consultancies or tie-ups that may be beneficial to the buyer.

PAG-IBIG Financing
PAG-IBIG Fund (Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno) is a government organization that provides housing to citizens of the Philippines. To avail of the loan for your home you must be a member with 24 monthly contributions to qualify. If you do not qualify to the 24 months you can pay the contributions in a lump sum. You also need not to be more than 65 years old, no existing multi-purpose loan in arrears and no other PAG IBIG housing loan that been foreclosed, cancelled or bought back. The loan under PAG-IBIG has low interest rates and has a term to a maximum of 30 years. They can also accommodate low income borrowers with much lower interest rates and flexible payment program. This type of loan is less stringent with requirements and usually has less miscellaneous fees.

Are looking for a best place to live in? A subdivision in Cavite? A House and Lot for Sale in Cavite? Evy Victoria Ville is the best place for you and your family. Clean and green. A Little Singapore in the City of Bacoor. 12.1km away from NAIA 1, 12.9km away from Mall of Asia and 10.8km away from Alabang Town Center. In Evy-Victoria Ville, Everything is just around the corner.

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Location: Panapaan III, Bacoor, Cavite, 4102
Main Office: #54 2nd Floor Kelly Bldg. Aguinaldo Hi-way, Talaba, Bacoor, Cavite
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