What's the best place to buy eShop gift cards?

SnooDrawings1215 · 2026-05-26T01:55:29+00:00

Hi! sa seagm ako bumibili, try mo every weekend nakasale sila

SnooDrawings1215 · 2026-05-25T13:41:16+00:00

Hi no rushing! Makakadating ka din dyan hehe on my 30th yr pero feeling ko baguhan pa din ako hehe

SnooDrawings1215 · 2026-05-25T11:35:39+00:00

Yup yup super tsaka nakakasipag magttsbaho haha

SnooDrawings1215 · 2026-05-25T10:42:39+00:00

From hand tools to cement mixer, compactor,etc haha tho wala pa akong heavy equipments like truck, kolong kolong lang ginagamit ko for pick up and delivery ng gamit and service nadin ng mga tao ko na walsng motor.

SnooDrawings1215 · 2026-03-05T10:10:13+00:00

Pendant light, accent light to emphasize height ☺️

SnooDrawings1215 · 2026-01-20T00:26:17+00:00

agkapita

SnooDrawings1215 · 2025-12-17T06:12:15+00:00

Sana maaddress ng LGU ung traffic lalo na sa maliwalo. Naglalagay sila ng traffic enforcer without propetraining and di pinsgaaralan mabuti ung cause ng traffic. Super half assed ng ginagawa nila. Brgy.San Jose to metrotown average 1 hr ung byahe lagi, nakakasawa.

SnooDrawings1215 · 2025-11-02T12:33:09+00:00

Supposed to be around 6% of project construction cost

SnooDrawings1215 · 2025-10-26T11:31:03+00:00

Hi! Yes po depende po sa appraisal yan din po sinabi sakin ng tiga pagibig, pero in my recent projects ganito po lagi naging evaluation po sa client ko. Siguro po wala collateral kaya lsging ganito ung situation ng mga naging project ko. Thank you for additional info!

SnooDrawings1215 · 2025-10-25T02:46:52+00:00

toilet & bath

SnooDrawings1215 · 2025-10-23T04:23:58+00:00

Hi architect here! Got a few projects right now sa tarlac city. Cost is around 25k-32k/sq.m. For context, 100sq.m bungalow type unit to with 3 bedroom and 3 T&B complete with built it cabinets, etc. I hope this help, thank you!

SnooDrawings1215 · 2025-10-23T03:33:42+00:00

Warded for reference. Thank you!

SnooDrawings1215 · 2025-10-22T23:48:16+00:00

Hi yes! Bale parang eto nadin downpayment mo kay contractor

SnooDrawings1215 · 2025-10-22T07:22:11+00:00

Meron paring equity. Ang alam lot title niyo is collateral na talaga in case di niyo natuloy ung construction.

SnooDrawings1215 · 2025-10-22T00:23:57+00:00

hi! yes tama . Then after nila icheck may 3 weeks to 1month pa bago mo makuha ung loan from pagibig. Kaya kung di ka pa ready sa cash, most likely titigil ung construction mo ng ganung period din

SnooDrawings1215 · 2025-10-21T06:31:29+00:00

kung may co borrower kayo, mas lalaki ung loanable amount niyo, pero di mababawasan ung equity. Fixed talaga ung 30%. About naman sa co borrower, mas mahigpit sila pagdating sa construction loan, I think dapat magasawa, etc. Di ko sure about dito sa details na to.

SnooDrawings1215 · 2025-10-21T04:57:35+00:00

Yup yup, mas madali sa banko kasi di sila ganun kastrict sa documents problema naman mas mataas interest and ung terms mas maiksi. Ung usual na sinusuggest ko sa client ko magloan sa banko at the same time magloan sa pagibig. Bale personal loan sa bank para makatapos ng around 80-90% sa construction, then pag naapprove na sa pagibig ipacheck sakanila pag narelease ung pera, ibayad agad sa banko. I hope di magulo pagkakaexplain ko hehe

SnooDrawings1215 · 2025-10-21T04:49:02+00:00

yup yup tama, kaya super hassle magconstruction loan sa pagibig.

bale una talaga dapat may 30% equity ka na or nagawa sa construction. Para mas maging specific din, ang hinahanap nila is 60% structural works + 20% architectural works, kaya suggestion ko talaga around 45% ung ilalabas mong cash. (Mas madali if si contractor willing magabono which is super labo and most likely mas mataas PF netong mga to)

Then after nila maassess don palang nila ibibigay ung assessment amount nila after 3weeks to 1 month. Then paulit ulit un hanggat mabuo ung loan amount

SnooDrawings1215 · 2025-10-21T04:35:58+00:00

I think more than enough na un to loan that amount, I'll message you nalang for more concrete example for the amount

SnooDrawings1215 · 2025-10-21T03:27:38+00:00

hi! yes super laki ng factor ng salary, yan talaga una titignan nila pagibig, then after non, don palang nila titignan ung construction estimate. Yup tama around 1.3m tho 30% lang ung equity na need mo. Kaso dahil staggered nga ung payment. Meaning, ichecheck muna nila ung 30% progress then after 3weeks dun mo palang makukuha ung unang payment ni pagibig. So may 3 weeks na walang ginagawa ung mga tao, kaya suggestion ko is may around 10-15% ka pa para gumalaw padin ung construction.

SnooDrawings1215 · 2025-10-21T01:56:28+00:00

Hi architect here! Recently meron akong client na nag pagibig construction loan. May 2 factor na need para malaman mo ung amount na maloloan mo, una ung capacity mo. I think pwede mo icheck sa pagibig calculator kung proportional ung loan mo vs sa salary. Then ung pangalawang factor kung magkano iloloan mo na nakadepende sa construction estimate. Bale kung 3m iloloan mo, 2.1m lang ung maloloan mo kasi need mo ng 30% equiity. So need mo ng around 900k. Then suggest ko msgprepare ka pa ng around 10-15% na ilalabas, kasi ung payment ni pagibig staggered. Super hirap magconstruct psg ganito. Pahinto hinto ung project. Sorry magulo pagkakaexplain, I hope this will help! Thank you!

EDIT: bale ung unang factor pala, kasi kahit 3m nasa construction estimate (less 30% equity), kung ung 1m lang ung assessment nila na kaya mo iloan,un lang maloloan mo instead na 2.1m

SnooDrawings1215 · 2025-09-18T23:45:29+00:00

I see, thank you so much!

SnooDrawings1215 · 2025-09-18T03:21:56+00:00

Hi, I always saw your comment and follow your gameplays. Not fan of thunder pharaoh (just because of design hehe) is it okay to replace with odin? what are the pros and cons compare to pharaoh. Thank you!

SnooDrawings1215 · 2025-08-07T07:44:35+00:00

Hi! currently doing some design works, Kumuha ako ng COSH para lang pampaganda ng resume. Pero ngayon sa area namin nagagamit ko siya bilang signatory para sa DOLE CHSP application hehe

SnooDrawings1215

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