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Showing posts from April, 2023

Pag ibig Loan Filing Part 2

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A screen shot of the ongoing renovation GOOD MORNING❤️ To continue, I've told you in my previous blog that Pag ibig told us to submit additional requirements because upon checking, our lot didn't close, the boundaries.  Additional Requirements Required from us: 1. lot data computation 2. certified technical description   We can get these from DENR REGION 4A since we are from Rizal. The process is, get Lot Data Computation and Approved plan from DENR LOS BANOS. Bring them to DENR CALAMBA so you can request for a Certified Technical Description of the lot. So, March 4, 2024, we submitted our request for lot data computation and approved plan from DENR LOS BANOS. We were told, the line was long so our schedule to pick them up was March 19, 2024. We let one day passed, to make sure, the documents are available.  March 20, 2024, we came to get the Lot Data Computation and the approved plan. The fee was ₱50 per document, ₱100 if you want it certified. DENR CALAMBA From DENR LOS...
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The Sale Transaction

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 Magandang araw! There is a time in our life when we are ready to purchase real estate property where our home sweet home will soon hopefully rise. We may already have enough financial resources or stability to purchase it in cash, installment or through financing. There are perks when we do the purchase on cash basis. However, as long as we have a stable job or a stable business it would be easy to apply for a lot loan or a housing loan. Purchase through cash basis Paying for the property one time, or within a span of few months, say three or six months, is still considered a purchase through cash basis. There are sellers or developers who are offering those options. It really depends on the agreement between both parties, the seller and the buyer.  There are perks when doing the sale transaction on cash basis, usually certain percentage of the sale is given as discount, making the over all price of the property lower. Purchase through installment or financing However, when w...
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Due Diligence in Real Estate Transaction

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 Magandang araw! Last February, I was able to attend a CPD (Continuing Professional Development) seminar which was a requirement for the renewal of my real estate broker's license. The CPD was conducted by CES ACADEMY. It was done online and there  were three speakers who discussed several real estate topics. One topic was about "Due Diligence". Knowledge of this is very important for everyone,  as there is always a time that we would be into buying our first property investment, or a house and lot which would be our future home. I will be sharing what I learned from them, in the hope that this would be useful for your future real estate transactions. What is Due Diligence? It is a proper and careful research and analysis in preparation for a transaction. It is an investigative process to "let the buyer beware",  "CAVEAT EMPTOR", because ignorance excuses no one. With "Due Diligence",  we will be able to determine if there are problems and th...
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A Time in my Life, a look back..

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 Magandang araw! It's been quite some time since my last post. Today, I will be sharing a bit of my life that happened in the past. Few days ago, I was able to view a post about someone who was stripped of her position in the company she worked for,  after returning from sick leave. I can relate and felt her pain. A scenario in the past This reminded me of a scenario in the past, many years ago. I was working in a local company for 17 years when I got pregnant, supposed to be my second child. However, I had a miscarriage,  my body gave in to emotional and physical stress. I blamed myself for what had happened. To add up, it was only my 2 year old daughter and I, as my husband had returned overseas. He was struggling with his work by that time, as well.  I took a maternity leave due to the miscarriage. But, thinking I had lots of pending works in the office, I decided to return to work after two weeks of rest. A very bad decision as it created health issues, that made...
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