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TOOLS when presenting COMPUTATIONS or PAYMENT OPTIONS
PEN
PAPER
CALCULATOR
CASH
ADVANTAGE:
Big Discount
DEFERRED
ADVANTAGE:
ZERO interest
FINANCING
ADVANTAGE:
Low Cash-out
Long-Term
TYPES OF FINANCING
PAG-IBIG FINANCING
PAG-IBIG FINANCING
semi-private company
membership of 24 months to avail housing loan
must have no previous unpaid balance
upto 30 Years depending on age (age of principal should not be over than 65 upon loan maturity)
NHM
NHM
100% Government owned
no membership
socialize housing only
BANK FINANCING
BANK FINANCING
Strict compliance
CMAP system
PRIVATE / RURAL LENDING
PRIVATE / RURAL LENDING
usually have higher interest rate than bank
less strict
No CMAP
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