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Tuesday, April 27, 2021

7 Simple Steps: Proseso sa Pag-bili ng Pag-IBIG Foreclosed Properties




MANILA, Philippines — PANGARAP ng bawat pamilya ang magkaroon ng sariling bahay ngunit dahil sa hirap ng buhay, tila mailap pa rin para sa karamihan ang nasabing pangarap.

Ngunit alam mo ba na may mga murang bahay at lupa na maaaring mabili o mahulugan sa Pag-IBIG Fund? Ito yong mga tinatawag na Properties for Sale o Acquired Assets ng ahensiya na maaaring mabili sa murang halaga.

Tinatawag itong foreclosed properties o mga ari-arian gaya ng bahay at lupa o lote, na hinatak ng Pag-IBIG Fund matapos hindi nabayaran ng unang may-ari.

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Itinuturing na attractive sa mga home buyers ang mga foreclosed properties ng Pag-IBIG Fund dahil sa mas murang selling prices nito. Maliban sa mura, mas mababa din ang downpayment rates kung ihahambing sa mga new developments. Dahil dito, aasahan na rin na mas mababa ang monthy repayment rates o buwanang bayad sa ahensiya.

Sa mga magtatanong, ano nga ba ang proseso sa pagbili ng acquired properties ng Pag-IBIG Fund? Narito ang pitong simpleng steps na maaaring sundan at pag-aralan!

STEP ONE

Tingnan ang listahan ng mga acquired asset sa website www.pagibigfund.gov.ph (Properties for Sale/Properties under Negotiated Sale or Public Auctions) o bumisita sa pinakamalapit na Pag-IBIG Fund Housing Hub.

STEP TWO

Puntahan at inspeksyunin ang lokasyon ng bibilhing acquired asset.


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STEP THREE

Magparehistro at sagutan ang Purchase Offer Form, isumite at ihulog ito sa Drop Box, kalakip ang mga sumusunod:

1. Purchase Offer

2. Kopya ng valid ID’s ng offeror at ng authorize representative kung kinakailangan

3. Kung sakaling ang offeror ay hindi makakapunta sa oras ng paghuhulog ng kanyang Purchase Offer form, siya ay maaaring magtalaga ng kanyang representante na may dalang authorization letter/Special Power of Attorney (SPA). 

Ang authorization letter ay limitado lamang sa paghuhulog ng Purchase Offer Form.

4. Dokumento na nagpapatunay ng pinagkakakitaan kung ang napiling paraan ng pagbabayad ay Long-Term Installment (LTI).

Paraan ng pagbabayad :

A. Kung Cash na babayaran:
  • Diskwento: 30%
  • Magbayad ng paunang 5% ng kabuuang halaga kasabay ng pagbayad ng reservation fee.
  • Ang kabuuang halaga ay dapat na bayaran sa loob ng tatlumpong (30) araw mula sa araw ng pagpirma ng Deed of Conditional Sale.
B. Kung Short-Term Installment na babayaran:
  • Diskwento 20%
  • Magbayad ng paunang 5% ng kabuuang halaga kasabay ng pagbayad ng reservation fee.
  • Ang kabuuang halaga ay dapat na bayaran sa loob ng isang (1) taon na may kaakibat na interest na 6.375%.
C. Kung kukuha sa pamamagitan ng programang pabahay ng Pag-IBIG o Long-Term Installment (LTI)
  • Diskwento 10%
  • Isumite ang kumpletong dokumento sa loob ng Tatlumpong (30) araw simula ng pagbayad ng reservation fee kasama ang P2,000.00 processing fee, advance 1 year insurance premiums at documentary stamp tax.
"Ang pagbubukas ng mga naisumiting Purchase Offer ay base sa nakatakdang oras at araw na nakalathala sa website ng Pag-IBIG Fund. Ang mga nanalo na buyer ay mailalathala sa aming website www.pagibigfund.gov.ph at makakatanggap ng kumpirmasyon sa pamamagitan ng text message."



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STEP FOUR

Ang nanalong offeror o buyer ay magbabayad ng P1,000.00 Reservation Fee (non transferrable/non refundable) sa loob ng limang (5) araw simula sa pagtanggap ng Notice of Award.

STEP FIVE

Pagtanggap ng Notice of Conditional Approval of Sale.

STEP SIX

Pagtanggap ng Notice of Conditional Approval of Sale. Pirmahan at isumite ang Deed of Conditional Sale at ibang dokumento na nagpapatunay ng Loan sa Pag-IBIG Fund.

STEP SEVEN

Simulan ang pagbabayad ng buwanang hulog pagkaraan ng tatlumpong (30) araw mula sa araw ng pagpirma ng Deed of Conditional Sale.


©2020 THOUGHTSKOTO

Monday, April 26, 2021

Online Registration para sa National ID, Bubuksan Na!




MANILA, Philippines — NAKATAKDANG buksan ng gobyerno ang online registration para sa national ID dahil na rin sa mga restrictions dala pa rin ng tumataas na bilang ng coronavirus disease o Covid-19.

Ayon sa Presidential Communications Operations Office o PCOO, nakatakdang simulan ang online registration para sa demographic information.

Sa ngayon, ang nasabing proseso ay ginagawa sa pamamagitan ng house-to-house data collection ng mga Filipino mula sa low-income families.

Noong nakaraang taon, sinimulan ng gobyerno ang registration sa 32 lalawigan at lungsod na may mabababang kaso ng coronavirus disease o Covid-19.

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Ayon sa official Facebook page ng PSA Philippine Identification System, maaaring makakuha ng digital National ID sa tatlong steps.

Step 1: Pagkolekta ng demographic information at appointment-setting for Step 2 gamit ang online registration portal na magbubukas ngayong April 2021.

Dito kukunin ang sumusunod na impormasyon:
  • Name
  • Sex
  • Date of birth
  • Place of birth
  • Blood type
  • Address
At iba pang optional information tulad ng marital status, cell phone number, at email address.
Pagkatapos mag-input ng kailangang impormasyon, maaari na rin kayong mag-set ng appointment para sa Step 2 sa registration center na malapit sa inyong lugar!

Step 2: Pagkuha ng biometric information, tulad ng fingerprint, iris scan, at front-facing photograph at validation ng supporting documents.

Ang hakbang na ito ay gaganapin sa registration center na inyong pinili mula sa Step 1 registration. Huwag kalimutang dalhin ang inyong transaction number para sa hakbang na ito!

Para sa listahan ng supporting documents na maaaring dalhin https://psa.gov.ph/philsys/faqs

Step 3: Issuance ng PhilSys Number (PSN) at PhilID 

Ang inyong PSN at PhilID ay ide-deliver ng PHLPost sa inyong tahanan! Paalala lamang po na huwag i-post sa social media ang inyong PhilID dahil ito ay naglalaman ng inyong personal na impormasyon.


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👋🏽 ALAM MO BANG MAKUKUHA MO ANG DIGITAL NATIONAL ID MO IN THREE EASY STEPS? ALAMIN kung paano makapagrehistro sa...

Posted by PSA Philippine Identification System on Sunday, April 25, 2021

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Ang Philippine ID Systsem o PhilSys ay iniuutos sa ilalim ng Republic Act 1105 na naging batas noong Agosto 2018.

“As we pursue this long-overdue project, I ask every Filipino to give PhilSys a chance so we may maximize the advantages of a universal and secure database that will make transactions more efficient, and our lives more convenient,” ang naging pahayag ni Pangulong Rodrigo Duterte.

Humigit sa 30 milyong mga Pilipino na ang dumaan sa Step 1 ng PhilSys registration.

 Kabilang dito ang 2.6 million na nai-register ngayong taong 2021.

Layunin ng Philippine Identification System o PhilSys na bigyan ng valid proof of identity ang bawat Pilipino at mga dayuhang naninirahan sa bansa.

Sa tulong ng pagkakaroon ng valid proof of identity, magiging mas madali para sa ating mga kababayan na maka-access sa mga serbisyo ng gobyerno at pribadong sektor, at iba pang transaksyon na kailangan ng valid ID.

Magbubukas na sa publiko ang online registration para sa Step 1 ngayong 2021.


Saturday, April 24, 2021

Why You Should Paint Your House Blue? 10 Beautiful Examples of Blue Homes





In terms of houses, blue has always been a go-to decorating color. It has a certain appeal and is a favorite among many.  

Before the color, blue is commonly used inside a home for its interior design but nowadays,  more and more homeowners have to take this hue from inside and splashing it on the exterior of their homes. 

Here are some reasons why you should consider painting your house blue and 10 beautiful examples to look for.

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House Design No. 1

Many people love the color blue. A blue shade exterior is classic and appealing, giving off an air of confidence and tradition. In our house design number one, the rich and different side of blue looks impressive against the home exterior.

If you love a modern but simple house, you may also consider this design that is consists of two bedrooms, one bathroom, and one living room. The total usable area of this one is 70 SQM.








House Design No. 2 

If you’d like your home to stand out among others, add some color to your neighborhood with a bright blue or medium blue. These colors often have a way of evoking excitement and cheery thoughts with just one glance. In this house, a true blue is radiants and bright, sure to set you apart on the block. Indeed a shade of blue is a stunning option for this contemporary one-story house that is consists of two bedrooms, one bathroom, a living area, and a kitchen. This house has a total usable area of 77 SQM!










House Design No. 3 

A blue home exterior can be perfectly anchored by bright, white trims. The crisp white shade allows the blue color to come to life and look pronounced and defined against the white. A white trim serves as a stark contrast to create those clean lines. Best of all – this timeless design applies to any shade of blue paint.
The color of white and blue in this one-story home is a good idea to consider. This modern style house is consists of two bedrooms, two bathrooms, one hall, a kitchen, and a small balcony. This house has a total area of 84 SQM.










House Design No. 4 

You know what they say about details – it’s the little things that matter the most. If it’s your goal to revamp your exterior, consider the different features that will look great against your blue home design. Window frames, door handles, and railings made of metals such as dark iron or gold look striking against any blue hue. In house number four, the color blue makes this house subtle, classic, and beautiful.  No matter what you want the exterior of your house to say, you can express it with blue paint colors.

This country-style house is consists of two bedrooms, one bathroom, living room, kitchen, and dining area. The total usable area is 75 SQM. 













House Design No. 5 

Houses with blue exterior paint typically complement various materials and colors. Brown-colored wood looks beautiful up against a shade of blue and provides a nice contrast. 
Homeowners have been leaving many wood tones exposed on the exterior of their home, especially with the ever-popular rustic trend. Whether it’s natural, gray, light, or dark – wood is a beautiful complement against blue paint color. In this two-bedroom home, blue is contrast with a wide brown door. This one is a simple house with a usable area of 55 SQM. You need at least 6 by 9 meters as the minimum lot area of this house.











House Design No. 6 

Blue paint can give an old house a facelift, making it look years younger. All you need are a few fresh coats of blue paint. Check this colonial-style house in a blue tone. This house is consists of one bedroom, one bathroom in a total usable area of 27 SQM.












House Design No. 7 

Like the sky itself, blue has many moods. A bright blue house may appear playful, especially when trimmed with crisp pure white. Gray-toned slate blues and almost-black midnight dark blue houses suggest quiet dignity. Deep red accents can add richness to darker blues. How about blue, white, and red in this small boxy house? See it for yourself and decide! This house is consists of two bedrooms, one bathroom in a 57 SQM usable area. This small, modern-style house is cute and can be built on a limited budget.











House Design No. 8 

Blue is calming and cool. It is the most popular color because it symbolizes the sky and heaven. Because of its calming power, blue works well in this vacation house! This house is two-bedroom in bright blue tone with terrace for both front and back of the house.
This house has a total of 2 bedrooms, 1 bathroom, and a usable area of ​​51 square meters.









House Design No. 9 

If you’re considering painting with a darker shade of blue but are afraid to take the plunge, consider painting just one accent wall just like in our house number 9.  Blue paint is also a great choice for window trims and moldings. In this renovated house, shades of blue are used in contrast with white. A shabby old house in the Mediterranean feels with an Instagramable interior. The usable area of this house is 124 SQM.


















House Design No. 10 

A beautiful house that plays different shades of blue in the exterior. This one is a single-story residential house that is consists of three bedrooms, two bathrooms, a living room, and a kitchen. Lots of greenery will pop against the blue exterior paint. Whether you’ve selected a light blue, bright blue, or dark blue-green will contrast with any one of them. Consider simple plants such as shrubbery lining the front of the house, vines spilling across the front porch, or any type of leafy tree or plant.
Does your home’s exterior give off the feel you want it to? So what are your thoughts about these blue houses?











©2020 THOUGHTSKOTO