Guys, do you know anyone nga wala ma-approvan sa ilang house loan?

[hakizimana]

---

Hello guys! Sorry for the pessimistic title, I'm just getting quite paranoid. Hapit na me mahuman sa equity sa among balay so in 1 or 2 months time, i apply na siya namo for a bank loan. Also, just to let you know pud why attached ko sa balay is because it's a rent-to-own type and we've been living here sa duration sa among pagbayad sa equity so mas na dungagan akong confusion.


I have a couple of question guys:


1. Do you know anyone nga wala na approvan? Unsa kaha ang rason? Ours is 20% DP/Equity, ang ilaha kaha, same pod?
2. If simbako dili ma approve, mauli pa kaha to among money for the equity nga gipaninguhaan ug bayad for all those months that we're living here or i consider to sa developer as rent money since gapuyo man gyud me sa property?


I know guys, you can sense a lack of confidence here and it's because I and my husband are only working at home and naa pa sad koy existing car loan katong dili pa ko menyo nga dili pa paid off. My 2 credit cards also has balances as of this posting. Limpyo man ug financial record akong bana pero mas gamay pud siya ug income. I hope matabangan ko ninyo or makalma ko ninyo guys kay hapit na gyud and grabe na kakulba. We're all hoping there's a light at the end of the tunnel because we have a 2 year old baby nga naanad na sa iyang mga friends sa silingan and we're also hoping to get pregnant again soon. Thank you sa mga mubasa ug mga mutubag, guys!

[Ronn926]

i hope naa kay proof of income. kamo sa imong bana... ok rna naa kay carloan and creditcards, basta mpkita nimo na good payor ka. i think if d ka maapprove sa bank/pag-ibig, ask ur developer if naa cla inhouse financing

[hakizimana]

i hope naa kay proof of income. kamo sa imong bana... ok rna naa kay carloan and creditcards, basta mpkita nimo na good payor ka. i think if d ka maapprove sa bank/pag-ibig, ask ur developer if naa cla inhouse financing

Salamat Ronn926. Na kalma ko sa fact nga iconsider pud nila ang fact nga mubayad ka on time. Thanks! And in house financing is something we consider pud, pero grabe gyud siya ug interest compared sa bank loan. So unta mulusot gyud me sa bangko pero if unsa gani, nindot pud hunahunaon nga naay in house financing na option.

[cobraKing]

unsa mana na housing imoha boss kanang sa deca?

[luff101]

kung makita lang sa bangko ts, nga makabayad ka and naa kay mapakita.. Aside sa bangko, naa pay daghang option para mabayran na inyo house, try ask sa developer about in house financing.

Also, try to increase your income ts. Naa ra mo sa house, pabor kaau mo makapangita ug extra income..