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