How to increase housing loan approval?

**Sarsi** · July 21st, 2018 04:48 PM

Hindi sila kilala or wala sila connection sa banko na pinag apply-yan nila ng loan.

Kung kilala yan, sigurado approve agad yan.

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**ice15** · July 21st, 2018 05:33 PM

Originally Posted by shadow

What do you mean by no 2? Eh yun bahay na I loan nila ang collateral naman talaga. Bakit kailangan additonal collateral?

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Para mas mabilis/madali...

Declare mo sa bank yung isa pang house. Then anything goes wrong, alam nung bank na yung makukuha nila syo is bigger than what they're lending.

I know people who did this, sinama nila sa loan nila property ng parents nila. Most of the time, nagugulat na lang ako sa bank approval.

***
Anyway, he can't try this.

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**aioshin** · July 21st, 2018 06:05 PM

Try mo thru pag-ibig if member ka. As long as Clean Title ang bahay, pwede sa pag-ibig as long as qualified member ka din.

**carwhacko** · July 21st, 2018 07:19 PM

Originally Posted by chronicle

Well. Baka yung hit nga sa credit history. They can try asking the bank bakit denied

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They won’t disclose it.

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**carwhacko** · July 21st, 2018 07:20 PM

Originally Posted by Sarsi

Hindi sila kilala or wala sila connection sa banko na pinag apply-yan nila ng loan.

Kung kilala yan, sigurado approve agad yan.

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Badtrip kahit sa loan eh kelangan ganun padin. Haha! Akala ko basta kumpleto requirements eh okay na.

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**carwhacko** · July 21st, 2018 07:21 PM

Originally Posted by ice15

Para mas mabilis/madali...

Declare mo sa bank yung isa pang house. Then anything goes wrong, alam nung bank na yung makukuha nila syo is bigger than what they're lending.

I know people who did this, sinama nila sa loan nila property ng parents nila. Most of the time, nagugulat na lang ako sa bank approval.

***
Anyway, he can't try this.

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Yes no properties ang buong family to begin with. First investment kung sakali.

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**carwhacko** · July 21st, 2018 07:22 PM

Originally Posted by aioshin

Try mo thru pag-ibig if member ka. As long as Clean Title ang bahay, pwede sa pag-ibig as long as qualified member ka din.

Mas matagal ba sa PAGIBIG? Yung processing. Kasi karamihan ng kakilala ko ayaw magloan sa pagibig eh hassle daw. I don’t know lang if mas maluwag sila when it comes to approval.

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**aioshin** · July 21st, 2018 07:27 PM

Originally Posted by carwhacko

Mas matagal ba sa PAGIBIG? Yung processing. Kasi karamihan ng kakilala ko ayaw magloan sa pagibig eh hassle daw. I don’t know lang if mas maluwag sila when it comes to approval.

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Just try to inquire, as long as active member ka, may karapatan kang mag loan, and ang nalaman ko, bumaba yung interest rate nila nung mag TRAIN.

**Yatta** · July 21st, 2018 07:39 PM

Originally Posted by carwhacko

Mas matagal ba sa PAGIBIG? Yung processing. Kasi karamihan ng kakilala ko ayaw magloan sa pagibig eh hassle daw. I don’t know lang if mas maluwag sila when it comes to approval.

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Madali lang naman. Yung hassle na sinasabi eh baka yung seminar. Isang araw lang naman yun.

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**shadow** · July 21st, 2018 07:47 PM

Originally Posted by ice15

Para mas mabilis/madali...

Declare mo sa bank yung isa pang house. Then anything goes wrong, alam nung bank na yung makukuha nila syo is bigger than what they're lending.

I know people who did this, sinama nila sa loan nila property ng parents nila. Most of the time, nagugulat na lang ako sa bank approval.

***
Anyway, he can't try this.

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Declare and bakit kukunin ng bank yun isang property? Eh wala naman connection sa bahay na I-loan mo sa kanila? Kung hinde makabayad sila kukunin ng bank yun naka loan sa ka nila and not yun existing house nila if meron.

Hinde naman 100% nun amount ibibigay ni bank eh meron pa equity sila ilalabas baka 75% lang siguro papautsng ng bank

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