usapang bahay

[_Qwerty_]

depende sa i loan mo.. yung sinasabi ko eh yung maximum na 2M na loanable sa Pag-ibig.. 11.5% na interest for first 5 years.. tapos after that 13.5% na..

sa ibang banks.. try mo BPI, BDO, MetroBank, halos lahat nang banks.. nasa 9% to 10% na lang ang rates..

yung loan ko sa pag-ibig.. 12% pa nga yun.. tapos after 5 years, 14% na..

talaga? balak ko pa naman mag loan sa pag ibig. di ba dapat lower ang interest nila? anong banks ang mas mababa?

[Cult Zero]

depende sa i loan mo.. yung sinasabi ko eh yung maximum na 2M na loanable sa Pag-ibig.. 11.5% na interest for first 5 years.. tapos after that 13.5% na..

sa ibang banks.. try mo BPI, BDO, MetroBank, halos lahat nang banks.. nasa 9% to 10% na lang ang rates..

yung loan ko sa pag-ibig.. 12% pa nga yun.. tapos after 5 years, 14% na..

ahh ok. i was really set on getting a loan thru pagibig but after knowing this it looks like i need to shop around for bank housing loans...

[Galactus]

One good thing about Pag-IBIG though is medyo mabait sila compared to other banks. Madalas pa silang mag-condone ng penalties at magpa-amnesty sa mga delinquent borrowers.

Yung ibang banko kasi, mabilis sa hatakan.

[_Qwerty_]

yan ang isang maganda sa pag-ibig.. hindi sila masyadong strict compared sa banks..

kaso yan din ang medyo panget.. malimit magbigay nang amnesties.. don sa mga deliquen borrowers.. pero yung mga up to date na borrowers.. hindi naman binibigyan nang discounts.. tapos nagbaba sila nang rates... di naman covered yung may existing loans..

One good thing about Pag-IBIG though is medyo mabait sila compared to other banks. Madalas pa silang mag-condone ng penalties at magpa-amnesty sa mga delinquent borrowers.

Yung ibang banko kasi, mabilis sa hatakan.

[swordsman]

We're still renting kaya lang lumiliit na rin space with the 2 kids growing fast, so me and the wife are looking at getting a townhouse. We're eyeing one, and hopefully, God-willing, matuloy. Yes, townhouse na lang (muna) para makakuha kami ng malapit talaga sa workplace namin. We could opt to get a bigger single detached house and lot for same price, kaya lang malalayo na. Out of budget na yong H&L closer to work. So a townhouse is a better compromise for now. Sayang kasi time spent on commuting to/from work, might as well spend it with the babies(bago umalis at pagdating sa bahay) habang they still are eager to play with us parents.

[1D4LV]

we own a two bedroom and one TB townhouse that my wife and I got 10 years ago, when we still do not have a kid. before, it was really enough for both of us, malaki pa nga eh.

now that my kid is seven and with a househelp, it seems na naliliitan na kami. for one, our kid would need a separate area for himself, and we need a separate area for our maid. i really do not want her sleeping on the sofa at night.

we already paid for the townhouse unit three years ago. and now we are trying to sell it. after selling, probably rent muna a spacious one (i really do not care if it is still a townhouse or not, as long as the space is there), and probably buy something in which we can retire later.

what we are after is the location para hindi malayo sa school nung bata. ayaw na rin kasi nyang lumipat ng school eh.

[mazdamazda]

Got our house as a wedding gift also (well, the said house is already earmarked for me as my "mana "years ago). Just a humble 4BR 1TB 2CG bungalow in a corner lot somewhere in Bulacan.

Just before the wedding we had the house refreshed (new tiles, paint, new bathroom & kitchen fixtures, gate, wall, roof, tore down the dilapidated store, etc.). Looks really nice now as compared to what it looked before when we were renting it out.

Though it's a bit far from where we work (me in Ortigas, kumander in Makati) but IMO it's worth it especially on weekends.

For now, the house is more than enough for us, with the master bedroom for us, another small for the househelp, a guest room (also acting as my dressing room - haha), and the last room as a mini stock/plantsahan/shoe room.

We are also thinking about adding another T&B (with a tub - haha) adjacent to our bedroom. Though we plan to tear it down a few years down the road since it's already an old house (20 years old and more I think). We'd like something like this in the future: