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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

HDMF REQUIREMENTS

HDMF REQUIREMENTS

ELIGIBILITY REQUIREMENTS

PROCESSING FEE
P1,000 - upon filing of housing loan application with required documents (non-refundable)
P2,000 – appraisal fee (upon filing of loan application, non-refundable)
P2,000 – upon take-out (deducted from the loan proceeds)

BASIC REQUIREMENTS (UPON LOAN APPLICATION)
1. Housing Loan Application with recent ID photo of borrower/co-borrower (if applicable) (2 copies, HQP-HLF-068/069)
2. Proof of Income (see details at the back)
3. One (1) valid ID (Photocopy, back-to-back) of Principal Borrower and Spouse, Co-Borrower and Spouse, Seller and Spouse and Developer’s Authorized Representative and Attorney-In-Fact, if applicable
4. Transfer Certificate of Title (TCT) (latest title, Certified True Copy). For Condominium Unit, present TCT of the land and Condominium Certificate of Title (CCT) (Certified True Copy).
5. Updated Tax Declaration (House and Lot) and Updated Real Estate Tax Receipt (photocopy)
6. Contract-to-Sell or similar agreement between the buyer and seller
7. Vicinity Map/Sketch of the Property

REQUIRED DOCUMENTS PRIOR TO LOAN RELEASE
1. TCT/CCT in the name of the borrower/co-borrower/s (if applicable) with proper mortgage annotation in favor of Pag-IBIG Fund (Owner’s Duplicate Copy)
2. TCT/CCT in the name of the borrower/co-borrower/s (if applicable) (Certified True Copy) with proper mortgage annotation in favor of Pag-IBIG Fund (RD’s copy)
3. Updated Tax Declaration (House and Lot) and Updated Real Estate Tax Receipt (Photocopy) in the name of the borrower/co-borrower/s, if applicable
4. Loan Mortgage Documents
    a. Loan and Mortgage Agreement duly registered with Registry of Deeds with original RD stamp (HQP-HLF-162/163)
    b. Deed of Absolute Sale duly registered with Registry of Deeds with original RD stamp
    c. Duly accomplished/notarized Promissory Note (HQP-HLF-086/087)
    d. Disclosure Statement on Loan Transaction (HQP-HLF-085)

OTHER APPLICABLE REQUIREMENTS

INCOME DOCUMENT:
* For Locally Employed, any of the following:
    a. Notarized Certificate of Employment and Compensation (CEC), indicating the gross monthly income and monthly allowances or monthly monetary benefits received by the employee
    b. Latest Income Tax Return (ITR) for the year immediately preceding the date of loan application, with attached BIR Form No. 2316, stamped received by the BIR
    c. Certified One (1) Month Payslip, within the last three (3) months prior to date of loan application
    NOTE: For government employees, the Certified One (1) Month Payslip, within the last three (3) months prior to date of loan application, must be submitted together with CEC or ITR.

* For Self Employed, any of the following Proof/s of Income:
    a. ITR, Audited Financial Statements, and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit
    b. Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months)
    c. Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances, pensions, etc.)
    d. Copy of Lease Contract and Tax Declaration (if income is derived from rental payments)
    e. Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for other PUVs)
    f. Certificate of Engagement issued by owner of business
    g. Other document that would validate source of income

* For Overseas Filipino Workers (OFW), any of the following:
    a. Employment Contract
       -Employment Contract between employee and employer; or
       -POEA Standard Contract
    b. Certificate of Employment and Compensation (CEC)
       -CEC written on the Employer/Company’s official letterhead; or
       -CEC signed by employer (for household staff and similarly situated employees) supported by a photocopy of the employer’s ID or passport
    c. Income Tax Return filed with Host Country/Government
    NOTE: If documents are in foreign language/s, English translation is required.

ADDITIONAL REQUIREMENTS (if applicable only)

* Upon Loan Application
-For OFW members
    a. Special Power of Attorney (SPA) notarized prior to date of departure. For OFW member abroad, a SPA notarized by a Philippine Consular Officer, or SPA notarized by a local notary (of the country where the member is working) but duly authenticated by the Philippine Consulate.
    b. The Fund may also require any or a combination of the following documents:
       *Payslip indicating income received and period covered
       *Valid OWWA Membership Certificate
       *Overseas Employment Certificate
       *Passport with appropriate visa (Working Visa)
       *Residence card/permit (permit to stay indicating work as the purpose)
       *Bank remittance record
       *Professional License issued by Host Country/Government
       NOTE: If documents are in foreign language/s, English translation is required.
-Insurance Coverage
    a. Health Statement Form (Medical Questionnaire)
       *For borrowers over 60 years old
       *For borrowers up to 60 years old, if loans is over P2.0 M to P6.0 M
    b. Health Statement Form (Medical Questionnaire) and Copy of the result of medical examination conducted prior to assignment overseas as required by the employment agency
       *For OFW borrowers over 60 years old
-For Purchase of Lot with Construction of House (PLCH)
    b. Building Plans, Specification with Bill of Materials duly signed by the Licensed Civil Engineer or Architect
-For Properties Purchased from a Developer/Corporation/ Association
    a. License to Sell (Applicable to Developer only)
    b. Secretary’s Certificate on the Authorized Signatory of the Developer/Corporation/Association
    c. One (1) valid ID of the Corporate Secretary and Authorized Signatory of the Developer/Corporation/ Association (Photocopy, back-to-back)

* Prior to Loan Release
    -Surety bond (for properties that are subject to the lien imposed by Section 4 Rule 74 of the Rules of Court)
    -Collection Servicing Agreement with Authority to Deduct Loan Amortization or Post Dated Checks, if applicable
    -For Purchase of New Residential Unit only
      a. Occupancy Permit
    -For PLCH only
      a. Occupancy Permit
      b. Building Plans/Electrical/Sanitary Permits duly approved by the building officials


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