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April 17th, 2018 04:06 PM #1
Anyone here availed of a housing loan recently? What rates did you get?
Specifically, I'm looking for a 5 or 10 year loan. I've made preliminary inquiries on some banks, and the rates seem quite high. Have not haggled yet or given them my COE and income statements yet.
BPI has the lowest 1-year rate at 5.25%, 5-year rate at 6.8%, and 10-year rate at 7.5%. PSBank so far is the highest at 6% for 1 year, 6.88% for 5 years, and 8.5% for 10 years.
Any tips on how and where to get the best deals will be greatly appreciated. Thanks!
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April 17th, 2018 04:15 PM #2
What about BDO bro? I consolidated my loans with them for better rate.
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April 17th, 2018 04:25 PM #3
Try security bank. Forgot my term pero first x years is only 5 percent.
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April 17th, 2018 07:44 PM #4
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April 17th, 2018 07:48 PM #5
Didn't you just buy a condo? And now a house? WOW
I'm just wondering why people are going to banks for loans? Do they give better rates? During my parents time it was SSS or GSIS for housing loans, and I think it can go as long as 20 or 25 years.
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April 17th, 2018 07:52 PM #6
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Tsikoteer
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April 17th, 2018 07:53 PM #7Mukhang may nahanap ka nang pwesto sa New Manila a hehehe
edit: Oops, saw the post above.
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April 17th, 2018 08:02 PM #8
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April 21st, 2018 06:04 PM #9
Aside from placing on paper all the other associated expenses with the loan, I always ask the bank for a complete schedule of payments for the duration of the loan. So there will be no surprises. I can get the total cost of the loan from there. A lot of banks boast lower rates and free this, free that, but it turns out they charge quite a bit more for other associated expenses.
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Tsikot Member
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- Feb 2019
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February 12th, 2019 04:59 PM #10Hi,
Newbie here.Am quite lost.Hopefully ma enlightened po.Regarding PAG IBIG construction loan,do i really need to fill up that i have an existing credit card,its outstanding balance and monthly amortization?Currently working abroad po.Am just concern bka hindi nila i approve pag malaki pa ang credit balance.Hoping for an answer.Thank you.
Anong yr model sa inyo? Nakasaad ba sa manual na supported Wifi Display sa unit nyo?
2016/2017 Isuzu MU-X