Did You Know

Did You Know All Post Pampa Goodvibes! Sometimes Badvibes ��

🚨This is a letter from the Epstein Files written by one of the girl victims. It’s in red and doesn’t look like ink. We n...
06/02/2026

🚨This is a letter from the Epstein Files written by one of the girl victims. It’s in red and doesn’t look like ink. We need someone to decipher this message.

What was she trying to say?

Tatlong Groupo na ang nag hain ng panibagong Impeachment Labam kay VP Sarah Duterte
02/02/2026

Tatlong Groupo na ang nag hain ng panibagong Impeachment Labam kay VP Sarah Duterte

02/02/2026

FORMER CHAIRMAN OF THE SENATE TITO SOTTO VS LATE SENATOR MIRIAM DEFENSOR SATIAGO

Did You Know Papaya are Rich in Vitamins C & A, Supports Immune System, Aids Digestive Health, Helps Protect the Eyes, M...
23/01/2026

Did You Know Papaya are Rich in Vitamins C & A, Supports Immune System, Aids Digestive Health, Helps Protect the Eyes, May Reduce Inflammation.

Did you know the benefits of grapes are Rich in Antioxidants, Boosts Heart Health, Supports Immune System, Improves Skin...
20/01/2026

Did you know the benefits of grapes are Rich in Antioxidants, Boosts Heart Health, Supports Immune System, Improves Skin Health, Good for Brain Function, Aids in Digestion.

Did you know? Apple Benefits are Rich in Fiber, Brain Health, Gut Health, Antioxidant, Okin Health.
19/01/2026

Did you know? Apple Benefits are Rich in Fiber, Brain Health, Gut Health, Antioxidant, Okin Health.

Did you know? Orange benefits are Rixh in Vitamins C, Immune Support, Antioxidants, Heart Health, Hydration, Skin Health...
18/01/2026

Did you know? Orange benefits are Rixh in Vitamins C, Immune Support, Antioxidants, Heart Health, Hydration, Skin Health.

Did You Know? Hugging Benefits, Reduces Stress, Increases Happiness, Boosts Immunity, Lower Heart Rate, Enchances Connec...
17/01/2026

Did You Know? Hugging Benefits, Reduces Stress, Increases Happiness, Boosts Immunity, Lower Heart Rate, Enchances Connection, Improves Mood.

Did you know? Pineapple is rich in Vitamin C, Aids Digestion, Anti-Inflammatory, Antioxidants, Boosts Immunity, Hydratio...
17/01/2026

Did you know? Pineapple is rich in Vitamin C, Aids Digestion, Anti-Inflammatory, Antioxidants, Boosts Immunity, Hydration.

𝗕𝗮𝗸𝗶𝘁 𝗗𝗮𝗽𝗮𝘁 𝗠𝗼𝗻𝗴 𝗔𝗹𝗮𝗺𝗶𝗻 ’𝗧𝗼 𝗕𝗮𝗴𝗼 𝗞𝗮 𝗠𝗮𝗴-𝗹𝗼𝗮𝗻 𝘀𝗮 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗟𝗼𝗮𝗻 𝗻𝗴 𝗣𝗮𝗴-𝗜𝗯𝗶𝗴 𝗙𝘂𝗻𝗱A few years ago, we finally took the big le...
25/06/2025

𝗕𝗮𝗸𝗶𝘁 𝗗𝗮𝗽𝗮𝘁 𝗠𝗼𝗻𝗴 𝗔𝗹𝗮𝗺𝗶𝗻 ’𝗧𝗼 𝗕𝗮𝗴𝗼 𝗞𝗮 𝗠𝗮𝗴-𝗹𝗼𝗮𝗻 𝘀𝗮 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗟𝗼𝗮𝗻 𝗻𝗴 𝗣𝗮𝗴-𝗜𝗯𝗶𝗴 𝗙𝘂𝗻𝗱

A few years ago, we finally took the big leap kumuha kami ng bahay sa isang subdivision through PAG-IBIG Housing Loan.

First home. Dream achieved.

Pero after a few months of paying our monthly amortization, napapaisip na ako…

“Bakit parang hindi gumagalaw yung utang namin?”

Kaya nagtanong ako directly sa PAG-IBIG office. At doon ko nalaman ang totoo. 💔

⸻

📌 MONTHLY AMORTIZATION BREAKDOWN…SURPRISING ’TO!

We were paying ₱14,930.21 every month.

I thought malaking part nun napupunta sa principal. Pero eto ang actual breakdown:
-₱11,979.17 – Interest
-₱235.80 – Fire Insurance
-₱360.00 – MRI (Mortgage Redemption Insurance)
-₱2,355.24 – Principal 😭

Yes. Out of almost ₱15,000, only ₱2K+ goes to the loan itself.
The rest? Sa tubo. Sa insurance. Sa charges.

⸻

Paano Kinocompute ang Interest?

Let’s break it down:
• ₱2.5M loan
• 5.75% annual interest
• Divided by 12 months

👉 ₱2,500,000 × 5.75% ÷ 12 = ₱11,979.17 Monthly Interest

Kaya pala ang tagal bago bumaba ng utang.

But here’s the good news: may paraan para pabilisin ’yan.

⸻

BAYARAN ANG PRINCIPAL, NOT JUST THE MONTHLY

If may extra cash, wag ka muna mag-upgrade ng phone. 😅
Go to the PAG-IBIG office, and say:

👉 “Direct to Principal Payment po.”

Example:
- Monthly due: ₱14,930.21
- Binayad mo: ₱50,000
- ₱14,930.21 = regular monthly payment
- ₱35,069.79 = goes straight to principal

Meaning, lumiliit ang utang mo. Mas maliit na interest next month. Mas mabilis mong matatapos ang loan.

⸻

🚫 DON’T DO THIS IN PAYMENT CENTERS

If you pay ₱50,000 sa Bayad Center, it will just cover the next few months’ dues.

No impact sa principal.

So yes, advance ka nga—pero mabagal pa rin ang bawas sa utang.

⸻

Always monitor your loan online via Virtual PAG-IBIG.
They don’t send monthly bills, so ikaw mismo ang dapat mag-track.

⸻

My Realization:

Pag hindi mo intindihin kung paano gumagana ang housing loan mo,
years will pass… and you’ll wonder why you’re still paying a mountain of debt.

Kaya if you’re in the same boat as us…please, learn from our journey.

Don’t just pay. Pay smart.

⸻

Financial literacy is not a luxury. It’s survival.
Let’s share this with other homeowners…lalo na yung mga first time.

God bless sa lahat ng may bahay pero may bayarin pa. 😅 makaka-fully paid din tayo 🙏☝️
---
👍 Bebu The Doggo - Cute memes
👍 Limitless Adventure - travel tayo
👍 Kensanity - For emo only



Credits to the owner of this photo.

Address

Manadi Street
Cabuyao
4025

Website

Alerts

Be the first to know and let us send you an email when Did You Know posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category