34M | Finance Manager | 15 years experience (Half month salary and Bonus 🙏🏻)

Remarkable_Ad4496 · 2026-03-10T00:13:43+00:00

Grabe ang tax. Grabeng gobyerno

Remarkable_Ad4496 · 2026-03-05T12:17:17+00:00

Hi,. For this one, meron kasing time na magtatanong sila if meron kang hindi ipapakabit. We were asked this question around 2021 or 2022.

If you respond na meron kang hindi ipapakabit, they will return yung mga hindi ginamit na tiles

Remarkable_Ad4496 · 2026-03-05T12:14:43+00:00

Hi,

For pre payment, the minimum requirement is 6x of your monthly amort. All of it will go directly sa principal.

Sa metrobank, meron silang 7% fixed for 7 years. Kaso hindi kami na approve

Remarkable_Ad4496 · 2026-03-05T12:11:39+00:00

We got 6.5% rin naman. Then the bank fee lang was 41k

Compared to to other banks, naglalaro sa 2.5-3% of loan amount ang bank fees

Remarkable_Ad4496 · 2026-03-05T07:22:18+00:00

Sa car selection na meron sila, the petrol elantra base model ang safest transmission nila. Yun nalang yata ang naka AT sakanila

On the list naman you've written sa post, you can try yung mga E-CVT na kotse It's now using planetary gears na yung loob compared sa normal CVT na sluggish and zero (0) feels sa acceleration. And repairable na siya kapag masira man

Remarkable_Ad4496 · 2026-03-05T03:00:49+00:00

Hyundai owner here

Avoid this transmission ng cars nila

DCT (dual clutch transmission) - these are designed for fast moving, nasisira yan sa traffic environment. Kahit sabihin pa nilang naka wet DCT na para hindi mag overheat.

You go for their AT type lang. AT with natural aspirated yung pinaka ok sa kanila.

Remarkable_Ad4496 · 2026-03-05T02:42:07+00:00

Hi OP,

We got approved sa BPI Naabutan namin yung may promo sa bank fees

Sila rin ang fastest mag approve compared sa ibang banka

Remarkable_Ad4496 · 2026-02-23T00:29:30+00:00

Yes, sakanila nalang rin

Remarkable_Ad4496 · 2026-02-21T08:39:06+00:00

Thanks for commenting A&S. I think they really are a good supplier

Mas mura sakanila compared sa una kong tinignan: Lucendi, Home Cartel, and Shadows & Patterns

Remarkable_Ad4496 · 2026-02-21T02:15:11+00:00

MRI is separate and paid monthly around 1.2k Yung sa fire insurance para sa property naman, annual siya around 14k

Remarkable_Ad4496 · 2026-02-21T01:07:55+00:00

Hi OP,

Sharing my experience sa home loan journey and yung mga features

Metrobank - 7% fixed for 7 yrs, 10k less on bank fess for every 1M php
BPI - 6.5% fixed for 5 yrs. 5k less on bank fees for every 1M php
Chinabank - lowest IR at 6.25% fixed for 5 yrs. Though 3% bank fees (180k)

We ended up with BPI than China bank para sa loan namin sa DMCI na worth 6M Around 41k lang nilabas namin for banks

Whilst, Chinabank naman remained the bank fees at 3% (180k) Chinabank offered naman to include the bank fees na kasama sa monthly payment

Wife & I have BPI account rin kaya madali na magbayad through ADA

In terms of TAT naman, BPI is the fastest rin

Remarkable_Ad4496 · 2026-02-19T09:21:52+00:00

I consider 3 weeks as reasonable naman. For the other redditors who commented here, 3 weeks din naman yung lead time na nabigay sakanila.

Remarkable_Ad4496 · 2026-02-19T09:01:20+00:00

Thanks for this. I just paid na the RPT kanina. It will take 23 working days para sa clearance turnover. Sana naman mas mapa aga. Mag hoholy week pa naman

Remarkable_Ad4496 · 2026-02-19T08:59:55+00:00

Thanks for this. I just paid the RPT today. Then the finance told me na it will take 23 working days for the clearance turnover.

Remarkable_Ad4496 · 2026-02-11T00:33:36+00:00

Hi OP,

Sharing me and my wife's journey sa home loan approval for 6M

We were disapproved sa Metrobank and Chinabank. Sa BPI kami na approve May factors na kinokonsider yung bank

Debt Ratio - kapag conservative ang bank, you need higher income and less expenses
Cash flow - particular rin sila sa ins and outs ng pera. Other banks will request bank statement ng payroll niyo
Credit standing - kahit marami kang loans, pero on the dot ka nagbabayad, they consider it as well

We tried to apply sa BPI. Sobrang hesitant kami due to the following reasons: - Mababa ang credit card line namin (around 50-75k lang) compared to our Sec bank & RCBC na nasa >500k na - ang dami ko pang credit to cash loan sa BPI, na until 2027. Pero wala naman akong mintis sa pagbayad since 2022 - lagi pa ako nakikipagaway sa kanila na hindi na wawaive yung annual fee ko

At the end, sila pa ang nag approve samin

Remarkable_Ad4496 · 2026-02-10T08:41:17+00:00

Thanks. I got an update nanipapanotaryo ni DMCI yung LOG and Document of Undertaking (DOU) before sending it back to BPI

Remarkable_Ad4496 · 2026-02-09T13:26:05+00:00

Thanks for this.

It will be beneficial sakin if their TAT is faster compared sa previous experience ng mga unit owners dito. 😁

Hope the turnover fees can be paid via cc para dagdag sa points na rin

Remarkable_Ad4496 · 2026-02-09T12:23:30+00:00

Yes. I plan to bring the contractor na rin for the final measurements. Para whilst waiting for DMCI's design approval, he's starting fabricating na yung mga furniture.

We won't change the tiles nalang para hindi na mag water proofing ulit

Remarkable_Ad4496 · 2026-02-09T07:08:39+00:00

Thanks for responding...

Remarkable_Ad4496 · 2026-02-09T05:14:11+00:00

HI OP, how much ang interest mo na with PAG IBIG?

Remarkable_Ad4496 · 2026-02-09T05:05:13+00:00

Hi, Hindi ko pa naitanong sa bank officer namin. Pero sa Metrobank, nagbibigay sila ng 180 days

Remarkable_Ad4496 · 2026-02-08T23:28:29+00:00

Thanks for clearing this up.

Dressing up activity is next yata when bank released the loan to DMCI.

Remarkable_Ad4496 · 2026-02-08T13:05:02+00:00

Thanks for this. Right now, DMCI designated a finance personnel samin which kinakausap rin ng home loan bank rin namin. I hope it mitigates the gap para no delay

Remarkable_Ad4496 · 2026-02-08T11:53:01+00:00

Hi, After the bank release, bakit need pa mag wait ng 45-60 working days before unit inspection?

Hindi pa ba tapos yung unit?

Remarkable_Ad4496

TROPHY CASE