September 19, 2010

Wish Granted - got my own Havaianas

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September 13, 2010

My Window Shopping Experience

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My legs still hurt. I went on a window shopping yesterday after meeting my friends.

I spent almost 3 hours checking items that I need to have for our reunion and for our house. And when we headed home, a heavy rain suddenly poured when we were in Claveria. So as expected, the multicab was stucked in the flood (Bajada area) and all the passengers were advised to transfer to another public transportation. And the water was already knee level.

I should have went home early. But since I was already in the mall that time, I took the chance to get ideas on what to buy so I can budget my money well.

Although I was able to get to see and touch how an item looks, the window shopping was just time-consuming and tiring. Unlike shopping online, I can just do it in a few clicks. Thus, finding an item is made easier and faster. Like if I am searching for a spanx shapewear, la perla bras or simone perele bras I can just type in these keywords into the search bar of the online store. Immediately after, I get results and I can just do it at the comfort of my own home.

September 06, 2010

DECA Homes Pre-Qualification Requirements for Pag-ibig Homeowners

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Pag-ibig Fund, Pag-ibig Fund logo
Last August 26, I received a wondeful news. My Pag-ibig Housing Loan is finally approved and our house in DECA Homes is already finished. Yay! I just need to find money and work on the application for water and electricity  including our hollow block fench and gate so we can finally transfer there. We've been renting for more than 20 years already and we never have our own house here in Davao. I'm just so happy that I've been able to do this. Getting a housing loan is a good alternative than renting for like years without having the chance of owning it.

Anyway, if you are interested to invest or to apply in DECA Homes, here are the requirements for Employed, Self-Employed, OFW and In-House Financing. I believe almost the same requirements apply to other subdivisons also.

    1. MSVS or Membership Status Verification Slip - you need to attend the Pag-ibig seminar to get this. This is every Friday 8:30am-11:30am and 2:00-5:00pm at Pag-ibig Office in LandCo bldg. You will  definitely learn a lot of things.
    2. At least 24 months of monthly contribution to Pag-ibig. (For my case, I paid the 2 years contribution so I can qualify right away. Minimum contribution is P200/month)
    3. photocopy of Residence Certificate (husband and wife - if married)
    4. Marriage Contract (if married), birth certificate (if single)
    5. 3 pcs 1x1 ID picture (husband and wife - if married)
    6. photocopy of Cedula (get this from your Barangay office)
    7. Certificate of Employment and Compensation
    8. Latest Income Tax Return or Form 2316
    9. Latest 1 month pay slip 
    10. Checking account to cover 2 years of monthly deposit amortization (I've issued 26 post dated checks for this. The other 2 checks are for the payment on the equity. After 2 years, the payment will be made to Pag-ibig.)
    11. Proof of Billing Address (mails, water and light bills - my name is not written on the water and light bills since we are just renting. So I've included my telephone and internet bills)
    12. photocopy of TIN Card, SSS Card or two valid ID's

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