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104 V. Ranudo St., Cogon Ramos, Cebu City
Tel. (63) 2390890 or (63) 5143342

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REAL ESTATE ASSOCIATES

Cebuplaces Realty & Brokerage would like to challenge you whether you are a student, employee, working professional or a business person to explore your potential in real estate marketing and push out the edges of what you can be and achieve financial freedom. We are looking for people who are humble, teachable and willing to work hard full time or part time.We invite you to be part of our team today….email or contact us: at Tel no. (63) 2390890 or (63) 5143342 or visit us at our office at 104 V. Ranudo St., Cogon Ramos, Cebu City, besides Jo's Chicken Inato.


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Welcome



Important Informations About Real Estate in Cebu

HMDF Loan Policies (Pag-ibig)
15 ways to prevent your home from repossession
Steps in Pag-ibig Loan Application
Pag-IBIG lowers housing loan rates effective July 2016
Metro Pacific awarded to construct 3rd bridge
Philippine Real Estate Laws Ownership, Practice, Taxes
Cebu Projects and Construction directory
Condominium and House and Lot ownership
How To Detect Fake Titles
Understanding Real Estate Terminologies
Is Buying Foreclosed Properties A Good Deal?
Forms of Contracts Under Philippine Laws
Development of Cebu's SRP
National Code of Ethics in Realty Service Practice
Real Estate : How To Stay Positive in Today's Market
10 Tips in Buying Real Estate
27 Ways to Secure Valid IDs in the Philippines
Buying a Condominium in the Philippines
Cebu: Promising Area for Global Investments
Investors pour P4.7B in Lapu-lapu City, Mactan Cebu
Business' plan for Mactan
Cebu Trans-axial project now with Eco Enterprise Council
Cebu North coastal road may cost P2.3B
Cebu now top choice for BPO expansion
Becoming a Real Estate Salesman in the Philippines
Developing a Residential Condo in the Philippines
The Concept of Philippine Condominium Ownership
Invest in the Philippines
P 30B earmarked for low-cost housing loans
Effects of RA 9679 on OFW Pag-IBIG members
HDMF REQUIREMENTS
P1B Mingla reclamation project endorsed to PRA, Neda
Friendship Bridge to link Cebu, Bohol
MCIA Passenger Terminal Building
Mactan airport terminal 2 to open in 2018
DOH advises to close Inayawan landfill

Steps in Pag-ibig Loan Application

Steps in Pag-ibig Loan Application
 
A.   Attend a loan counselling session at the Pag-ibig office concerned and be  briefed on the eligibility.                  Accomplish a preliminary loan counseling questionnaire, Housing Loan Application (HLA) and                          Membership Status Verification Slip (MSVS). This will find out if one has an outstanding obligation with
       Home Development Mutual Fund (HMDF).  If eligible, secure the following documents:

        * Members Status Verification Slip (MSVS)
        * Notarized Housing Loan Application (HLA), Principal / Co-borrowers
        * Latest payslip duly certified by the employer (Indicate printed name and designation of assigned                       signatory)
        * Notarized Certificate of Employment Compensation (CEC)
        * Income Tax Return (ITR) with W2 form
        * Proof of billing address (Electric bills, PLDT. water bills, subscriptions, letters, credit card billing)
        * Certified true copy of Condominium Certificate of Title (CCT). Latest title and its trace back through the            Registry of Deeds
        * Tax Declaration of the property and/or parking
        * Tax Receipts of the property
        * Contract to Sell (CTS)
        * Special Power of Attorney (if applicable) (SPA). a) marriage contract / Birth Certificate. B. Valid ID's                    (Passport, License, Voters I.D. SSS I.D., Company I.D.
        * Location Plan and vicinity map signed by surveyor
        * Building, Electric, Sanitary Permits
        * Building / Floor plans signed by the borrower
        * Specification and Bill of Materials signed by a licensed Engineer.
        * License to Sell, Certificate of Registration and Development Permit (if applicable)
        * Note: Incomplete documents shall not be accepted.    Submit two (2) sets of documents. Original /                      photocopy. Always bring the original for authentication and verification. Filing fee: P1,000

B.   Receive Notice of Approval / Letter of Guarantee and sign loan documents

C.   Proceed to BIR and present Deed of Absolute Sale (DOAS) between the developer of the condo unit and        applicant for payment of documentary stamps and capital gains tax (if needed).

D.   Proceed to the City Hall for payment of transfer tax

E.   Proceed to the Registry of Deeds for payment of Registration Fees for the transfer of title.

F.   Proceed to the Notary Public for notarization of Loan Mortgage Agreement (LMA) and annotation of                 mortgage with the Registry of Deeds.

G.  Proceed to Assessor's office to secure new tax declaration in the name of the applicant.

H.  Secure occupancy permit from the local government Unit.

I.    Submit the following documents to Pag-ibig office concerned:

      * Original Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT) in case of a                        condominium unit, in the name of the applicant with annotated mortgage.
      * DOAS with original Registry of Deeds stamp.
      * New tax declaration in the name of the applicant.
      * Updated real estate tax receipt (if applicable)
      * Occupancy Permit
      * Assignment of loan proceeds to the developer

J.   Release of loan proceeds to the developer

F.  Start amortization on the month immediately following loan take out / final loan release.

Important Note: The requirements above may appear voluminous and the steps may be troublesome to follow through. On the other hand, our group of consultants are trained to work closely with developers so that all these requirements will be complied with for our buyers's worry free transaction and minimal participation in the process. We do not charge any fees for processing or any commission whatsoever. The developers will take care of us and their prices remain the same even if sales are made without the agents or brokers.

 


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