March 25, 2009

Update on my Manila Water Application

I follow up this morning my water application at the Manila Water 1627 hot line. I was surprised because the lady who answered the phone was very pleasant. Yes, I am used to uninterested-sounding customer reps. She asked for my reference number and proceeded to pull out the record. She told me that somebody made an inspection last March 15 and I should be receiving a call from 24-48 hours because my contract account number and order of payment are now being prepared. I asked what are the next steps once I receive the call and she told me that after payment, they will proceed with the installation. Wow, that fast? Anyway, I have to pay P7,242.44 for the water connection. I checked the FAQ's in their website and it says:
The minimum connection fee (residential use, within 25 l.m. from tapping point & 25 mm diameter of pipe) is Php 5,566.60. In addition to this, payment of a guarantee deposit and meter deposit of P600.00 and P1,020.00, respectively, shall also be required.
Close enough. I also ask for terms of payment and I was informed that I have to ask the representative who will call regarding payment options. The hot line agent was indeed very helpful.

However, when I called home to inform my mother-in law to expect a call from Manila Water, she told me that somebody called yesterday asking if a representative already made a site inspection. What the hell?

Anyway, I will just wait for another two days for the call and will call the hot line again if I don't receive any update.

March 19, 2009

Applying for A Manila Water Connection


When I went to my house last March 2, I was informed that I have to apply for my own water connection(more about this in future posts) from Manila Water. We went to their office in SSS Village in Marikina where we filled up an application form and drew a sketch of our place. Since we are currently not living at the place where we are applying for water connection, I highlighted my contact numbers and asked them to call me for any questions regarding the application. Its been 3 weeks now, but I don't know the status of this application yet. I called the 1627 hot line to follow up the application but was told that they will, yes, FOLLOW UP. Since then, I received 3 calls from three persons asking me if anybody has visited the site yet. How will I know? The fact that we are not yet occupying the property was highlighted in my application form. I told my future neighbor that somebody from Manila Water might come and to please answer any questions they might have and I told the developer's office about the application also.

I know that after the site inspection, Manila Water will contact me to ask for the requirements and to pay the necessary fees. But just waiting for them to visit the site is killing me. How can it take them this long?

To think that I am giving them my business! Aaargh!

March 17, 2009

Katrina Halili and Her Two Houses

Katrina Halili is a sexy, young star from GMA Kapuso Network stable of talents. She was a a product of the first batch of Starstruck , a reality-based artista search. She is building a family house in a farm in Palawan, and she also recently bought another one in New Manila. Katrina said this is to have a strong motivation to work harder.

I applaud Katrina Halili for this wise move. A real estate investment is a very wise decision. Her career at the moment is at its peak and while her income is steady, she is very wise in putting it in a very solid investment. At the same time, putting her energy in something very constructive will leave her with no more time for useless dalliances that will only hurt her in the end. I hope other stars will follow Katrina's example to start investing while they are young.

Sources:
igma.tv
Philippine Entertainment Portal

March 13, 2009

The View From My Would-Be House

Once I have the house built, I would wake up to this wonderful sight every morning. I just wish it remains like this for a long time.


March 11, 2009

How to Build A Dream [House]

I saw Dr. Johnny Noet Ravalo's article on How to Finance and Build A Dream Home and he was right when he said that:
Finance is the first [consideration] because it is our reality check. Anyone who has ever tried asking an architect to put into paper a design for a home knows that the dream house is almost always way beyond the budget.
For us, it is really beyond the budget. We are:
  • a mid-income earners
  • with three kids of school age
  • with a mortgage
  • renting a house at the moment
  • paying for utility bills and living expenses
  • and most of all, no savings!
That is why building this house is a dream, and a journey.

Again, these are the options I am looking at:
  1. Additional Pag-IBIG housing loan ( I am currently waiting for the title so I can try to take out another loan with Pag-IBIG).
  2. Housing loan from SSS ( Have you had success with their website? But the friend of a friend I talked to said I can apply for a loan, but since I am still waiting for the title so...).
  3. Personal loan from a bank (Robinsons Bank in my case, because it is affiliated with our company, and not home loan for improvement. The amount will not be enough to finish the house but it will be a start).
  4. Win the lotto. ( Why not?)
Now you see why this is a dream, building this dream house?

But I believe Walt Disney when he said,
"All our dreams can come true-if we have the courage to pursue them."

March 10, 2009

Choosing a Bank for your Housing Loan


One source of financing for acquisition of a house and lot, home renovation or improvement are from banks. They charge a floating or a fixed interest, depending on the amount and the term of the loan. Before you decide to take out a bank loan, make sure to compare the rates, the requirements and if it is really the best deal you can get.

Requirements may vary but the usual documents they would ask are:
  1. Accomplished application from
  2. Valid identification cards
  3. Proof of income e.g certificate of employment or payslip
  4. Contact numbers or proof of billing
  5. Recent income tax return
Here are the links to some of the banks that offer housing loans and the requirements for said loans:
You may also check out Sassy Lawyer, who has a much better post on how to choose a lending institution for your housing loan needs.

March 9, 2009

Guide When Buying Real Estate in The Philippines

There is a very interesting forum thread at Pinoy Money Talk about Guide When Buying Real Estate in The Philippines that I would like to share to all you. The tips are originally posted from Philsite.net but the subsequent discussion at Pinoy Money Talk is very interesting.

But here is own tip when buying a property:

Make sure that the property is what you need and want now. In our case, we bought a house and lot in Montalban Rizal when our kids are still studying in Quezon City and our work is in Ortigas. Although the house is small for a family of seven, we did not move right away and continued on renting the house we have now. In retrospect, had we moved four years ago, I am sure we would have made some improvements already. And now, I even have to pay for additional expenses, like water connection from Manila Water, which were then offered at a minimal price to already residents of the village. So, before you decide to buy a property, make sure that you will move in or rent it out at once so that the property will not remain idle.


For other interesting topics, visit the Property and Real Estate forum at Pinoy Money Talk.

March 5, 2009

My Big Plan This Year is Building This House

In answer to Makoy's question, "what something big are you expecting this year", my answer is Building this Dream House. Now, that is big, dont you think?

Big Mak Blog Contest

But in the blogosphere, Makoy's Big Mak Blog Contest is even bigger! With a total cash prize of $200.00, thousand of entrecard credits, ad spots, domain hosting and a book from Janette Toralm, this is a very big contest indeed.

To join, here are the mechanics:

1. Make a something big post for this year
2. Include the mechanics of the contest and the prizes
3. Subscribe by email to Makoy's blogs
4. Follow Makoy on Twitter
5. Subscribe by email to the cash sponsors
6. Leave a quality comment on Makoy's blogs
7. Post the contest badge
8. Add Makoy's blog in your Technorati favorites
9. Make a review Makoy's blog
10. Digg Makoy's post
11. Refer a friend
12. Make a vlog entry

You can do all or just some of the above, but remember that the blogger with the highest accumulated post, wins!

WHO WILL WIN AND WHAT ARE THE PRIZES?

GRAND PRIZE:

Winners for the first five grand prizes will be determined by points. The first five bloggers who have the highest points will win. Winners of the five grand prize are not eligible for the consolation and special prize.

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$10 from Life of a Filipina Blogger
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1 month ad spots from prettystepdaughters
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7th consolation – 4,000 EC credits
1000 EC credits from Moolah Musings
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Special Prize – Blogging From Home book by Janette Toral

March 4, 2009

Pag-IBIG Housing Loan Forum at Pinoy Money Talk

For a new homeowner like me, I search information from the web and join forums and online discussions to get an idea from people who have the same questions as mine, people who were in my shoes and from people who are kind enough to share what they know. This forum on Pag IBIG Housing Loan from Pinoy Money Talk is very informative and has given me lots of useful information such as, paying more than your monthly amortization and applying it to the principal loan will shorten the loan period, and a lot more. The discussions are lively and the PMTers are very nice.

So if you are looking for more tips like me, join us at the forum.

Registration at PMT is free.

March 3, 2009

How to Pay Your Real Property Tax

I was on leave from work yesterday to do some things for the house. We had take "take-out'' on our house March 2005 and I didn't know that we should have started paying for our property tax starting that year. The developer took care of the first year payment. That's one of the details that first time owners like us were not aware of. I think they would have explained that to us had we moved in two months after take-out. The take-out documents that I received a month ago had the real property tax receipt and assessment.

So here is how to pay your real property tax (based on my personal experience) at the Municipality of Rodriguez, Rizal:
1. Bring your old real property tax receipt and proceed to Assessor's Office.
2. When you receive your assessment( I had penalties) , get an order from Window 1.
3. Proceed to Window 10 for payment and you are done!
4. I went back to the Assessor's office because I asked for Tax Clearance and Tax Declaration as future requirement for my additional housing loan and also as a requirement for the processing of the title.
5. I had to pay around P200.00 for the above and P60.00 more for the docs stamps.
6. Then I had the clearances signed at the zoning office and the office of the Mayor and then Im again done!

It was very easy paying at the Rodriguez Municipal Hall and the people there were very nice and helpful. Or maybe it was me, too happy at being near my dreams?