August 24, 2011

Can You Apply for a New Pag Ibig Housing Loan if your Spouse has an Existing Housing Loan?

I have asked the Pag Ibig personnel handling my account about this question: Can You Apply for a New Pag Ibig Housing Loan if your Spouse has an Existing Housing Loan? And the short and simple is NO. Your co-maker in your loan is usually your spouse and since a house is a conjugal property, it means that both of you applied for and are paying for this loan. But if you applied for a loan when you were single and is now married and your spouse would like to apply for a new housing loan, this is possible. My neighbor in our Montalban house did it. The house beside us was in the name of the wife when she was still single and they now took out another loan from Pag Ibig on another property, now under the name of the husband. So, what does it means for us who owns a house mortgaged thru Pag Ibig but is not comfortable at moving at it right now and is loooking for other housing projects, hopefully to be financed through Pag Ibig? It means that we have to pay our existing loan in full and apply for a new one right after. Yes, I asked this also when I was processing my insurance claim after the Ondoy disaster.

For more answers to your questions about the Pag Ibig Fund, please refer to this FAQ's.

Loving My Dream

The best thing about blogs, they just keep going! I know that I have not posted anything in this blog for some time now but it does not mean that I am forgetting it completely. Its just the dream house project is in some kind of cross roads after the recent typhoon. I am still thinking whether I should altogether give up on this house and rent it out or just wait. Wait for what, I really dont know! But this blog will keep on going now matter which way I take on the future of this house. Right now, I am exploring the possibility of just renting it out and I may have a post about it soon!

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August 16, 2011

Early Christmas Gift Ideas

Time flies so fast and Christmas is just around the corner! The half of the year is over and its just 4 months till the biggest season of all. And I personally believe that August is the best time to start writing those Christmas lists because you will be in no hurry and you can give your time in thinking of the best gift for each of your family and friends. When I saw these Big Sister gifts, I know that I have the perfect gift already for more than half of my loved ones on the list. I also saw this huge sign for mall wide sale at a nearby store until the end of this month and I am sure I can find something for the men and boys on my list. I also just got back from a vacation in Boracay and Cebu and souvenir items like necklaces and bracelets are also perfect for Christmas gifts. So by November, if I am to go by my schedule of buying at least 5 items per month, I would very little to worry about come the holiday rush. And the best part is that I get to save money but I get to give each and every one a well-thought gift!