Borrowers Learn To Prioritize Housing Loan Payments
(11/29/2007)

Today’s market provides vast opportunities for individuals and families to acquire either their dream houses or... more

PSBank and Balikatan enter into a Landmark Loan Portfolio Sale
(10/19/2007)

In a recent landmark transaction, Balikatan Housing Finance, Inc. (Balikatan) sold the first of many tranches... more

Helping borrowers realize the dream of home ownership
(5/23/2007)

Balikatan account holder Mrs. Nimfa Salud (4th from left) and her family proudly receive their home’s... more

Our programs for our present portfolio are designed to facilitate the settlement of housing loans, and the maintenance and protection of home equity.

  • Borrowers will get the best discounted terms for the full settlement of their existing housing loans. They may also avail of refinancing options, based not only on the value of their property but fully underwritten on their capacity to pay.
  • Professional loan counselors will guide borrowers to faithfully complete their amortization schedules.
  • Property specialists will assist borrowers and buyers in securing their dream homes in their preferred areas.

Para sa mga NHMFC-Balikatan Borrowers, ang mga kasalukuyang programa ng BFS para maisaayos ang inyong obligasyon sa housing loan ay ang mga sumusunod:

  • Discounted pay-off
  • Refinancing
  • Dacion en pago for reinstatement of good credit standing

Under these programs, you are assured of:

A Fresh Start
BFS repayment packages are fair and reasonable, allowing you to jump start the settlement of your housing loan. Isang bagong panimula sa pagtupad ng pangarap.

Customized Product Offering
BFS loan counseling services allow you to be involved in developing a payment package that takes into consideration your financing situation. Binabagay sa inyong kakayahang magbayad.

Personalized Service
Professional BFS Account Specialists will assist you in making informed decisions on the right financial package. Laging handang magbigay ng payo sa pagsasaayos ng inyong housing loan.

DISCOUNTED PAY-OFF
Ang BFS ay may programa para sa mga borrowers na gustong mag-avail ng full settlement, depende sa halaga ng property at sa kabuuang utang. Kapag fully-paid na ay maaring nang makuha ang titulo.

REFINANCING
Para sa mga nais mag-refinance, ang halaga ng panibagong loan ay base sa halaga ng property at sa kakayahang magbayad. Hindi magpapautang ang BFS nang higit sa halaga ng property at lampas sa kakayahan ng borrower na mabayaran. Ang proseso ng underwriting ang siyang gagabay sa pag-approve ng panibagong loan amount.

REINSTATEMENT OF GOOD CREDIT STANDING
Sa mga nais mag-voluntary surrender ng property upang mabayaran ang housing loan, dacion en pago ang prosesong sinusundan. Sa dacion, ang obligasyon sa housing loan ay mabubura at ang credit standing ng borrower ay magiging up to date—magkakaroon ng pagkakataong makapangutang muli sa SSS o Pag-Ibig.

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