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BD Guidance, Inc

Installment Loans Online Maryland

<u>TRYING TO GET a true home LOAN </u>

Our SALARY IS UNDERNEATH THE MINIMAL INVOLVED INCOME OF P50,000 EVERY MONTH. Have always been We STILL ENTITLED TO MAKE AN APPLICATION FOR A BDO MORTGAGE LOAN?

The wage considered is combined gross family members earnings.

• If married – you along with your partner’s wage is supposed to be examined for your house application for the loan

• If single – you might use by having a co-borrower who can have joint obligation in repaying the mortgage. The two of you will go through the standard application for the loan evaluation procedure.

This may be considered in the evaluation if you receive commissions or incentives on top of your basic salary. With your certification of Employment with Income (COEI), you could submit documents that prove regular receipt of payment or motivation.

DO YOU KNOW THE FEES THAT I HAVE TO PREPARE WHENEVER TRYING TO GET THAT LOAN?

You ought to spend an assessment charge upon distribution of the loan papers:

• P5,000 (if security is at 30km radius from any BDO Branch)

• P5,500 (if security is outside 30km radius from any BDO Branch)

EXIST DIFFERENT LOAN-RELATED FEES THAT I WOULD LIKE TO ORGANIZE FOR?

Yes, the fees that are following to be settled before the release of your loan:

Just before Loan Release*
Handling Fee Php3,000
Notarial Fee Php100 (for MM reports just; for outside MM, is dependent upon charge of Notary Public into the certain area)
Registration Fee Variable
Doc. Stamp Tax Php1.50 for virtually any Php200 regarding the loan quantity
Credit Lifre Insurance (CLI) Premium Php4.75 for almost any Php1,000 associated with loan quantity (presuming standard price for borrowers as much as 49 years of age)

Php6.50 for virtually any Php1,000 regarding the loan quantity (presuming standard price for borrowers many years 50 to 64 years old)

Fire Insurance (FI) Premium Variable (predicated on the appraised value of this enhancement presented, excluding parking slot for condo or land for investment property) other people (for House Construction or Renovation) Inspection Fee Php1,500 (per examination) Construction All-Risk Insurance (CARI) adjustable (in line with the level of building materials and occupancy)

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