Prime Benefits of Housing Loan for Your Dream Home

One of the most pivotal milestones in every Filipino’s life is owning one’s dream house. The idea of achieving such a milestone, however, is not easy to achieve. Only a handful of people have the privilege to pay for a home outright. It takes time, effort, and sacrifices in order to gather sufficient capital and resources to buy a house. Even if you have the dedication to fulfill such a long-term dream, you cannot easily shed away the anxiety that comes with it.

Planning your dream home consists of financial and strategic considerations, but these should not intimidate you. With Cebu People’s Cooperative, applying for a housing loan can help fast-track your dream home. Fulfilling the life goals of its regular members, Cebu People’s Cooperative has turned many Filipino homeowners’ dreams into reality.

A housing loan, when managed properly, can be your biggest catalyst in materializing your dream faster. Here are the prime benefits of a housing loan to help you visualize your future home!

  • Sense of Fulfillment – Acquiring your own home is one of the biggest financial investments you may make in your lifetime, and it’s all worth it. Apart from its sentimental value, it also signifies a sense of independence. If you are planning to build a family in the future, applying for a housing loan is your first step to your dream home!
  • It is Cost-Effective – Housing loans can help you in the path of homeownership by breaking down the total cost into more affordable monthly installments. With Cebu People’s Cooperative, flexible terms are available for its members. There are also refinancing options to provide low-cost housing terms (e.g. In House or PagIbig).
  • Low-Interest Rate – Housing loans have become very affordable nowadays with interest rates moving downward in the recent past. Although interest rates may go through several fluctuation cycles, it is guaranteed that you will benefit from falling rates at some point in the cycle.
  • Guaranteed Security – Buying a home is a major expense, so you would surely want to ensure that the property you invest in is free of any legal issues. This is where availing of a housing loan comes into the picture. When you approach a cooperative for a housing loan, a background check should be done to ensure the credibility of the builder as well as the property itself. A series of reviews for the paper associated with the property to ensure the legality and legitimacy of the clearance certificates from the local authorities.

Owning your own home is not only a dream come true that consists of many benefits. This would free you from the burden of expensive rental fees and stiff limitations. When you own your own space, you can sleep soundly in the knowledge that you call the shots. Now, that is priceless!

Have you decided to become a homeowner or still in the middle of the thought? Don’t worry, we’ve got you covered. Take the first step today by contacting us!

Telephone: 032-268-4146 | 032-418-9288

Mobile: 0915-486-2084 | 0963-692-6761

                 0926-155-8202 | 0968-531-5215


How To Grow Your Business Using Capital Business Loan

Many small businesses are probably using a capital business loan to succeed, so it makes sense if you’re considering the same. Capital business loan is a powerful tool to help fund, launch, and grow a small business. As a business owner, one needs a higher capitalization to cover expenses in reinventing your services, expanding locations, investing in new equipment, or hiring more employees.

If you are thinking along these lines, then a capital business loan can help you achieve this. We will break down the advantages of a capital business loan if this service is ideal for your business goals:

Convenience – With the assistance of Cebu People’s Multi-Purpose Cooperative, will assist in mobilizing easy access with the bank to discuss business proposals. Just comply with all the necessary requirements and rest assured that Cebu People’s Cooperative will do the rest;

Total Control – Cebu People’s Multi-Purpose Cooperative empowers business owners in giving them full authority to control their businesses. We are here to take you to the farthest reach of your business; 

Reasonable Interest Rates – The goal of Cebu People’s Multi-Purpose Cooperative business loan is to empower business owners. Allowing them to enjoy very reasonable interest rates.  Give us a call today, we will be glad to walk you through the procedure; 

The Profit is All Yours – In times of uncertainties, we pride ourselves in helping business owners/ members to grow their business and maximize its capabilities.  With a capital business loan, the returns are fixed, meaning that you will pay the same amount of money back to the bank no matter how big or small your profits become as a result of your investment.

Some Questions to Ask When Considering a Capital Business Loan

Applying for a business loan may seem to be a big step with roadblocks, but knowing your objectives can help you. If you are still unsure about whether a capital business loan is right for you, here are some questions to ponder.

1. How kind of business should I establish?

2. How much funding do I need?

3. What is the timeline in which I need the money?

4. What are the banking requirements?

5. How can I pass the standard evaluation process?

6. How do I plan to spend the money? 

To help answer your questions and concerns, contact us today!

Telephone: 032-268-4146 | 032-418-9288

Mobile: 0915-486-2084 | 0963-692-6761

                 0926-155-8202 | 0968-531-5215

In Cebu People’s Coop, we develop programs and services that are mutually beneficial to every member in time of needs and crisis.

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