Community Guru
Juvy Ann P Member Since: Oct 29, 2015

@Maria Marilyn M wrote:

I have a question if you don't mind. I've read numerous horror stories when it comes to Pag-ibig Housing Loan applications being declined. One of the common reasons is when the applicant is not yet qualified because he/she is lacking in terms of premium payment contributions made (number of years or months). So I assume that the number of contributions you've made were all accounted for, before you became a freelancer and afterwards right? 

I made a total of 93 contributions all in all, Marilyn, so yes my past contributions have been accounted for at the developer level.  I have been a Pag-IBIG member since 2003.  Being a self-paying member (due to the fact that I am a freelancer), I noticed that my contribution rate per month has increased but I am not equating this with my chances to have my loan approved.  As for horror stories, I guess these are only for people who do not have plan B.