REQUIREMENTS
We have 2 financings and each one has different requirements kindly choose 1.
For Bank financing, we have 2 schemes
1. Ordinary scheme. if your salary is not enough you will need a co-borrower, and a co-borrower should be an immediate family includes a wife, parents, and siblings. (cousin and uncles are not allowed.)
You may have up to 4 co-borrowers.
2. Seasonal scheme, if your salary requirement is not enough and you don't have any co-borrower. But you need to tell your respective agents your line of work so we can pre-qualify.
To get the salary requirement:
The monthly amortization of the house divided by .30 is equal to the salary required.
NOTE: Clients should be working for at least 2 yrs for the preselling unit and 3 yrs for an RFO unit.
We would like to apologize in advance if we will be asking questions about your working status. This is just an SOP so that we can pre-qualify our clients.
Our team will help you in our best possible way, so if ever you have a problem with your requirements, we have handled a lot of problematic accounts and we have gained confidence from our clients.
Confidentiality will be applied so you can rely on us.
BANK REQUIREMENTS
Bank Requirements for Locally Employed ( husband and wife should provide the same docs )
3 pcs. 1×1 ID picture (husband/wife)
Proof of Billing (Meralco, Manila Water, PLDT, Globe, Smart, etc.)add Barangay Cert. if none
Photocopy of two (2) Valid Government-issued ID’s, with 3 signatures in the photocopy (Husband/Wife)
(TIN) ID
Marriage Contract if Married, Birth Certificate if Single, add CENOMAR for single parent
Residence Certificate (Husband/Wife)
Income Tax Return for both husband and wife if both are working (ITR)
Complete post-dated check for a downpayment (or METRO BANK or BDO auto-debit )
SSS number (Husband/Wife)
Certificate of Employment and 3 consecutive months Payslip ( Husband/Wife if both are working )or bank statement if there is no payslip
10 min counseling explaining the rules and regulations (at the site after reservation)
Bank Financing Requirements for OFW
3 pcs. 1×1 ID picture (husband/wife)
Marriage Contract
Photocopy of two (2) Valid Government-issued ID’s, with 3 signatures in the photocopy (Husband/Wife)
TIN ID ( husband and wife)
Proof of Billing here in the Philippines (Meralco, Manila Water, Internet Provider, )
(If none just give us a copy of the Meralco bill plus a barangay clearance.)
Complete post-dated check for Equity (can be AIF ADA account on BDO or METROBANK )
Additional Requirements for OFW
Job Contract or POEA contract
COE plus 3 consecutive payslips or bank statement
Photocopy of Passport ( With 3 Signatures in the Photocopy )
Special Power of Attorney (SPA forms provided by us) Client needs it to be consularized.
10 min counseling explaining the rules and regulations( Done in the office)
AIF should be an immediate family only. They need a valid government ID, 3 pcs of 1x1 ID pictures plus a CEDULA.
Bank Financing Requirements for Businessman
3 pcs. 1×1 ID picture (husband/wife)
Proof of Billing (Meralco, Manila Water, PLDT, Cable.)
(If none give us a copy of the Meralco bill and attached a barangay clearance)
Photocopy of two (2) Valid Government-issued ID’s, with 3 signatures in the photocopy (Husband/Wife)
TIN ID
Marriage Contract if Married, Birth Certificate if Single, add CENOMAR for single parent
Residence Certificate (Husband/Wife)
Income Tax Return (ITR)
Complete post-dated check for Equity and Amortization ( or METRO BANK auto-debit )
SSS number (Husband/Wife)
DTI Business permit ( Bussiness already running for 3 years )
10 min counseling explaining the rules and regulations (at the site upon reservation)
INHOUSE REQUIREMENTS
In-House Requirements for NONE WORKING
3pcs. recent 1 x 1 I.D. pictures
2pcs Photocopy of Valid ID
Marriage Certificate or Birth certificate add CENOMAR for single parent
Community Tax Cert. (Cedula)
Complete post-dated check for Equity and monthly amortization
Letter of support and remittances
Proof of Billing (Meralco, Manila Water, PLDT, Cable.)add Barangay Cert. if none
TIN ID
10 min counseling explaining the rules and regulations
The client should be at least 20 yrs old and above
In-House Requirements for Locally Employed
3pcs. recent 1 x 1 I.D. pictures(husband and wife)
2pcs Photocopy of Valid ID (husband and wife)
Marriage cert. or Birth certificate add CENOMAR for single parent
Community Tax Cert. (Cedula) (both)
Complete post-dated check for Equity and Monthly amortization
The latest proof of income (if working both)
3 months payslip
Proof of Billing (Meralco, Manila Water, PLDT, Cable.)add Barangay Cert. if none
10 min counseling explaining the rules and regulations (at the site upon reservation)
In-House Requirements for OFW
3pcs. recent 1 x 1 I.D. pictures ( both husband and wife)
Marriage Contract or birth cert plus CENOMAR for single parents
Complete post-dated check for Equity and Amortization
TIN ID ( both)
The latest proof of income ( both if both are working)
Additional Requirements for OFW
Photocopy of Passport
Photocopy of Job Contract
Consularized copy of SPA ( if the buyer is in the Philippines within the period of his/her DP they can notarize the passport with the arrival and departure copy)
Attorney-In-Fact Requirements
1 pc. I.D. picture of Attorney in Fact
Valid I.D. of Attorney in Fact
Residence Certificate of Attorney in Fact
10 min counseling explaining the rules and regulations (at the site)
In-House Requirements for Business
3 pcs. 1×1 ID picture (husband/wife)
Proof of Billing (Meralco, Manila Water, PLDT, Cable.)
(If none give us a copy of the Meralco bill and attached a barangay clearance)
Photocopy of two (2) Valid Government-issued ID’s, with 3 signatures in the photocopy (Husband/Wife)
TIN ID
Marriage Contract if Married, Birth Certificate if Single, add CENOMAR for single parent
Residence Certificate (Husband/Wife)
Income Tax Return (ITR)
Complete post-dated check for Equity and Amortization ( or METRO BANK auto-debit )
SSS number (Husband/Wife)
DTI Business permit ( Bussiness already running for 3 years )
10 min counseling explaining the rules and regulations (at the site upon reservation)
SAMPLE PICTURES
