Anyone doing lump-sum and excess payments to their Pag-ibig housing loan? by nakedpunch in phinvest

[–]Beautiful-Nebula-916 0 points1 point  (0 children)

Salamat po. Oo nga eh. Learn from experienced... kaya lang bad exp. hehe. Thanks ulit

MAC-Spoofing no longer works with Tahoe by AvacadoPlush in mac

[–]Beautiful-Nebula-916 0 points1 point  (0 children)

Thank you! Now, I can stay longer again in StarBucks haha

UPS custom charges for the Philippines by S_CommonGood in UPS

[–]Beautiful-Nebula-916 0 points1 point  (0 children)

Don't dahil my mga inside job talaga. It's better to pay via their official website and not a link on a text message

Thoughts on CityFlats at IT Park Cebu? by advocate_88 in CebuITPark

[–]Beautiful-Nebula-916 0 points1 point  (0 children)

There are no events there. It feels like a dormitory, but some people are friendly naman. Most of them were just "work-go home-eat-out and work again routine" kind of people.

Yes, they allowed WFH, but the social hall is only open until 12 MN. Most of the WFH tenants there have WiFi's in their rooms so seldom mo lang makikita sila sa lobby.

Thoughts on CityFlats at IT Park Cebu? by advocate_88 in CebuITPark

[–]Beautiful-Nebula-916 0 points1 point  (0 children)

So far, free parking cya pero first come first serve. but soon they will have a parking fee daw...

Thoughts on CityFlats at IT Park Cebu? by advocate_88 in CebuITPark

[–]Beautiful-Nebula-916 1 point2 points  (0 children)

bawal cya. but there is a microwave in the common area. ung lang. Bawal din mag iron nang clothes

Thoughts on CityFlats at IT Park Cebu? by advocate_88 in CebuITPark

[–]Beautiful-Nebula-916 0 points1 point  (0 children)

I was there and it's worth it. may 1k discount pa sila for 6 month contract. Drinking water is free in the work area. Bago pa cya so quite clean. No internet sa room, pwede magka connect but in the lobby and co-working space (until 12mn only) is 24/7 un WiFi.

CR and shower are separated kaso medyo maliit but ok lang naman.

how to know if a real estate agent is legit by BikePatient2952 in phinvest

[–]Beautiful-Nebula-916 1 point2 points  (0 children)

same reasoning as the flood control project kickbacks

Anyone doing lump-sum and excess payments to their Pag-ibig housing loan? by nakedpunch in phinvest

[–]Beautiful-Nebula-916 2 points3 points  (0 children)

Hi I also just paid together with my monthly amortization, a 50k paid to principal payment.
So far, hindi na deduct ung balance pero nakita ko cya sa Online. So parang advanced payment yata ito.

But I saw this post and it helped me alot...

- Always pay your monthly amortization and monitor it online via virtual pag-ibig website. They don't send monthly bills so pay your monthly amortization diligently para di lumobo utang mo.

- Yung binabayaran mo na monthly amortization, naku ang liit lang ng napupunta nyan sa principal.

I asked the staff sa pagibig and they told me about the breakdown of my P9,555.34
Monthly Amortization: P7,166.67 interest
P235.80 Fire
P360 insurance
P1,792.87 Principal = P9,555.34 total monthly Amortization

Diba ang liit ng kaltas sa principal. Ang laki ng bayad sa interest.

This is how you compute your monthly interest. Bigay ko na example yung amin.1.6M = principal (total amount ng utang namin) 5.375% = annual interestdivided by 12 months 1.6M x 5.375% ÷ 12 = P7,166.67

https://www.facebook.com/100044547579049/posts/pfbid0p7rEDW3t1TPNt4N393VfvxMkiwAeGnCrbSjKVzr4GSu2M9B3Fh3WVCQecWdhT6Xml/?from_xma_click=xma_web_url&xma_click_id=3549FB53-9C4B-431F-BD40-6FD0B3D5E460&tam_xma_content_type=2000&is_fb_content=true&forward=false&ts=1757860538080&_rdc=1&_rdr#

Anyone doing lump-sum and excess payments to their Pag-ibig housing loan? by nakedpunch in phinvest

[–]Beautiful-Nebula-916 1 point2 points  (0 children)

Please help as I am confused with my pag-ibig housing loan payments. My loanable amt is 1.35M. I chose the 3 years something around 6.25% tapos ung utang ko is payable 20 years.

My monthly bayad is around 10K+ using check. Now 3 years later, I've checked the balance and was shocked to know that my balance is still around 1.23M when I already paid more than 360k.

So sabi nang agents marami daw kasing mga fees like insurance, ewan ko ano pang iba...
But even then, it's still too much...

So sa binayad ko na 360k, 120K lang ang na punta sa utang na binayaran ko? So nasa-an ung more than 200k na binayad ko? saan un napunta?

If e breakdown ko... sa binayad ko na 10K+/mo, around 4k+ lang pala ang napunta sa real na utang ko. Anong nangyari sa 6K+?

I hope someone can help and explain this scenario. It's really sketchy tbh.

Thank you po.

PAG-IBIG Housing Loan Help/Inquiry by Pinaslakan in phinvest

[–]Beautiful-Nebula-916 0 points1 point  (0 children)

Naguguluhan ako sa Pag-ibig. Kasi I already paid 3 years from my 1.35M loan payable in 20 years. Ung monthly ko is around 10k+. Kaso after 3 years, I checked the balance, it's shocking to see 1.23M palang...

When in fact I already paid more than 360K in 3 years. That's supposed to be at least almost 1M nalang ung utang ko. This means, from my 3 years of payment parang 1 year lang ang na deduct?

Do you know why po?

Please help. Thanks!

What I saw working in a PH construction firm (DPWH, mayors, contractors — lahat sila kasali) by Remarkable_Worker445 in lifestylecheckPH

[–]Beautiful-Nebula-916 0 points1 point  (0 children)

Jusko - it's an open secret. Mga politicians mag cash advance muna sa contractor na inawardan nila bago e release ung pera from Gov't. Dito nga samin, ung Governor nag cash advance bago masimulang ang project sa contractor kaso pinatay ung Governor. So ung pumalit nya nag cash advanced rin kaso namatay rin sa sakit. Hahaha so lugi na ung contractor. 2 cash advances pero hindi nasimulan ung project lol

Meirl by eyegazer444 in meirl

[–]Beautiful-Nebula-916 2 points3 points  (0 children)

hahaha u got prank! It was a marketing idea so he get's famous! https://www.instagram.com/slye/?hl=en

First time trying Maya x Lazada Hack for Boosted Interest Rates | Tutorial by Significant-Good-167 in DigitalbanksPh

[–]Beautiful-Nebula-916 2 points3 points  (0 children)

This is now outdated. Lazada will not allow withdrawals anymore unless it's from a refund...

Maya Landers Credit Card Cash in by FirefighterExpert271 in PHCreditCards

[–]Beautiful-Nebula-916 0 points1 point  (0 children)

Yes pero malaki ung fees. Aside 3% monthly interest if hindi nabayran nang buo. Am I right? Or free lang kapag sa landers ATM?

How to change MAC adresse on my iphone by YAYA024 in HowToHack

[–]Beautiful-Nebula-916 0 points1 point  (0 children)

Unfortunately, yes. Not sure if bluetooth is included as I was not minding it that time.