Magkano ang Kayang I-Loan sa Pag-IBIG? | Safe Monthly Amortization Computation (2026 Guide)

Описание: Magkano nga ba ang TAMANG i-loan sa Pag-IBIG? 🤔
Hindi yung maximum na kaya nilang i-approve — kundi yung safe, realistic, at hindi ka mababaon sa utang buwan-buwan.

Maraming Pinoy ang na-aapprove sa malaking housing loan pero nahihirapan sa monthly amortization after a few years. Sa video na ito, ituturo ko sa’yo ang simple 3-step formula para malaman kung magkano lang talaga ang dapat mong i-loan, base sa income mo.

👉 In this video, you’ll learn:
✔ The 30% Housing Rule (at kailan ito binabali)
✔ Real-life sample computations (employed & self-employed)
✔ Take-home pay vs. gross income — alin ang dapat sundan
✔ Red flags na sign na sobra na ang loan mo
✔ Approximate Pag-IBIG monthly amortization amounts (easy estimate)

Kung nagpa-plano ka ng:
🏠 Pag-IBIG Housing Loan
🏗️ House Construction Loan
🏡 Pag-IBIG Acquired Assets

— mandatory panoorin ito bago ka mag-apply.

💬 Comment below: Magkano ang target loan amount mo ngayon?
👍 Like, Subscribe, at Share para mas maraming Pinoy ang makaiwas sa housing loan stress.

⏱️ TIMESTAMPS
00:00 – Introduction: “Magkano ba dapat i-loan sa Pag-IBIG?”
00:30 – Disclaimer
01:26 – Mindset: Pwede ≠ Dapat (Avoid Over-Borrowing)
01:59 – Step 1: Alamin ang Totoong Take-Home Pay Mo
02:59 – Step 2: The 30% Safe Housing Rule
03:11 – Sample Income Scenarios (20K, 30K, 40K Income Levels)
03:53 – Step 3: Deduct Your Actual Monthly Expenses
05:08 – Compute Mo: Converting Monthly Budget to Loan Amount
05:36– Approx Pag-IBIG Monthly Amortization Examples (1M–2M)
06:17 – Red Flags na Sobra na ang Niloloan Mo
07:15 – Magkano Dapat ang I-Loan Mo sa Pag-IBIG?

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