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Home > Financing Options

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Financing Schemes in Housing Loan

Choose your Financing Options There are 3 popular financing options here in the Philippines when a buyer/investor would like to loan a certain amount. These are In-house financing, Bank Financing, and Pag-IBIG Financing.

Bank Financing - you borrow money from a bank to pay off your balance from the developer
Advantages - longer term than in-house financing (can go upto 15 to 20 years in some banks) ; lower interest rate than in-house financing (usually from 9% to 12%)

Disadvantages - very strict when it comes to approval and late payments (can foreclose your property easily)
Pag-IBIG Financing - you borrow money from HDMF (given that you are a member) to pay off your balance from the developer
Advantages - longest term offered (upto 30 years max) ; lowest interest rates (as low as 6% to 11.5%)

Disadvantages - strict when it comes to approval and late payments (can foreclose your property easily)
In-house Financing - you get to borrow money (or loan for your balance) "internally" or from the developer itself
Advantages - easy approval; no or minimal background check; developers are more flexible/easy to talk with when it comes to late payments

Disadvantages - shorterm term (usually max is 10 years); highest interest rate (can go as high as 21%)

Who Are Qualified for a Housing Loan?

Must be Filipino citizen.
  • Must be presently working.
  • Must not be more than 50 yrs.
  • Must be 18 yrs. – 50 yrs. old.
  • No pending legal cases.
  • No problem with marital status.
  • No unpaid credit cards or unpaid loan account

    To those who want to see the unit personally, we do offer FREE SITE TRIPPING no charges. We will provide for the service vehicle and assistance.

    Leave a private message or feel FREE to call


    𝗙𝗢𝗥 𝗜𝗡𝗤𝗨𝗜𝗥𝗜𝗘𝗦, 𝗧𝗥𝗜𝗣𝗣𝗜𝗡𝗚 & 𝗥𝗘𝗦𝗘𝗥𝗩𝗔𝗧𝗜𝗢𝗡  message me.

    ​KRISTINE DATU BERJA
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    ISRA MENESES BERJA
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Affordable House and Lot for sale in Pampanga and Bulacan
For More Details, Reservation and Site Tripping
PRC Lic # 0011630
HLURB NO: NTRFO-A-06/15-0295
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Contact or add on Facebook: Kristine Datu Berja
Globe (Viber) : 0917-712-6627
Sun(Viber) : 0943
-485-3974
Email: [email protected]

Contact or add on Facebook: Isra Meneses Berja

Sun (Viber) : +63925-864-3975
Globe (Viber) : +63917-587-2281
Email: [email protected]


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​Contact Us @:


Globe (Viber) : 0917-712-6627
    Sun(Viber) : 0943-485-3974


   Sun (Viber) : +63925-864-3975
Globe (Viber) : +63917-587-2281

Email Us At:  
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  • HOME
  • HOUSE AND LOT
    • SINGLE HOUSE >
      • Pueblo de Oro Pampanga
      • Casa Real Pampanga
      • Solana Zaragoza
      • Solana Frontera
      • Havana Residences
      • Montana Views
      • Montana Strands
      • The Hauslands Pampanga
      • Mawing Residences 3
      • Berkeley Residences
      • Bridgepointe Place
      • Madonna Residences
      • La Tierra Solana
      • Aspire Residences
      • Solana Ciudad De Hizon
      • Solana Country Homes
    • TOWNHOUSES >
      • La Aldea Fernandina
      • Tierra Vista Pampanga
      • Sunshine Homes Angeles
      • Olivia Townhomes
      • Alpine Residences
      • Lumina Homes Calulut
      • Georgia Plains
      • Rimaven Pampanga
      • Fiesta Communities Calulut
      • Villa Czarina Angeles
      • Fiesta Communities Mexico
      • Deca Clark Residences
    • CONDOMINIUMS >
      • Azure North Residences
  • RESALE PROPERTIES
  • LOCATIONS
    • SAN FERNANDO
    • BACOLOR
    • ANGELES
    • MEXICO
  • CONTACT US
    • Requirements
    • Financing Options
    • Blog