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Article post about Government related document processing and other matters

 

How to get a Driver’s License in the Philippines?

Sourced MoneyMax.ph  | January 13th 2015

MM_DriversLicense_100314

There’s this indescribable mix of excitement and anxiety for first-time drivers and first-time car owners. But to take things on a legal point, you definitely need a driver’s license before you bring your wheels on the major roads. Spare yourself from spending your first thousand of pesos to the MMDA for driving without license.

The Land Transportation Office (LTO), under the Department of Transportation and Communications (DOTC), is responsible in drivers licensing and motor vehicle registrations. According to the Official Gazette (gov.ph), a driver’s license is “an official document authorizing an individual to drive a motorized vehicle in the Philippines.

read more: List of LTO Branches

LTO has three classifications of drivers licensing: student permit, non-professional driver’s license, and professional driver’s license. Before going to any branch, you have to decide what kind of license you will get. As the name implies, a Professional Driver’s License entitles you to drive a vehicle for a living. Apply for Professional license if you will drive any public utility vehicles (PUVs) such as jeepneys, tricycles, taxi, etc. On the other hand, a Non-Professional Driver’s License allows you to drive private vehicles. In both licenses, a prerequisite is a valid student’s permit, which is “an official document authorizing a person to operate a motorized vehicle in the presence of a duly licensed driver.”

Eligibility for Drivers Licensing:

  1. You must be at least seventeen (17) years old.
  2. You must be physically and mentally fit to operate a motor vehicle.
  3. You must not be a drug user or alcoholic.
  4. You must be able to read and write in Filipino or English.
  5. You must be clean, neat and presentable.

For Non-Pro driver’s license, take note of these steps:

List of Driver’s License Requirements

  1. Duly accomplished Application form for Driver’s License (ADL).
  2. Valid Student Permit (at least 1 month old)
  3. Medical Certificate with Official Receipt (from LTO accredited or Government physician)
  4. Taxpayer’s Identification Number (TIN) if employed
  5. Passing score in the written and practical examinations

 

1. Get a Student Permit

Before applying, you should accomplish a Student Permit also from LTO. When testing your driving skills on the road on your first few tries, you’ll need to present this permit to authorities who might issue you a ticket. A student permit will cost you around PHP 300 for 2-3 hours of processing. The one-month-old student permit is your time to really practice your driving.

2. Medical Examination

Before filing your application for a driver’s license on the same day, you will be required to get a medical examination which will cost around PHP500. Make sure that you only deal with LTO-accredited clinics, usually near the LTO branch.

3. Road Signs and Major Traffic Rules

As early as the thought of driving pops in your head, be wary of the road signs. In your exam, you will be asked for around 50 questions of road signs. If you pass the exam, you will get in to the next step.

4. Practice driving

When you apply for any of the two driver’s license, your skills will be test through a practical exam facilitated by an LTO officer and gauge if you’re capable of driving. It is notable though that a lot of people brags about getting a license without undergoing this process. But in reality, these people are the ones who get caught in vehicular mishaps because of foolish risks. No one is worthy to be on the road without any driving knowledge.

Here’s a run-through of your expense for that day:

Transaction Cost
Medical Examination Php 100.00
Application Fee + Computer Fee Php 167.63
Driving Test Fee Php 400.00
License Fee + Computer Fee Php 417.63
TOTAL COST Php 1,085.26

Source: http://www.lto.gov.ph/index.php/services/drivers-licensing/115-summary-of-drivers-license-and-permits-fees-and-charges

How to process a Pag-IBIG Loan the Step-By-Step Guide

Published by iMoney Philippines  | Rouselle Isla – August 19th, 2016

Step-By-Step Guide on How to Get a Pag-IBIG Loan

One of the great benefits of being a member of Pag-IBIG Fund is the housing loan. If you are not over 65 years old and have remitted 24 monthly contributions to Pag-IBIG Fund, you may avail of this housing loan. You should not have any outstanding housing or multi-purpose loans with Pag-IBIG, nor should you have a Pag-IBIG housing loan that had been cancelled, bought back, or foreclosed.

Even minimum wage earners can have the opportunity to buy their own home through the Affordable Housing Program. With the End-User Financing Program, members can borrow up to ₱6 million. The maximum repayment period for a Pag-IBIG Fund housing loan is 30 years. Know how to apply for one in just five steps.

1) Get The Relevant Forms

You can get the housing loan application form and the checklist of requirements by visiting your nearest Pag-IBIG Fund office, or by going online and visiting www.pagibigfund.gov.ph. Click on the link that says “Forms” and you can download them for free.

You need to accomplish a medical questionnaire and undergo a full medical examination if you are over 60 years old and an OFW, or if you are 60 years old and borrowing over ₱2 million up to ₱6 million.

If you are curious about rates, you can easily do a quick check by using our online calculator. This will give you an idea on the current BPI housing loan interest rate in comparison to other banks.

2) Submit Your Pag-IBIG Fund Housing Loan Application

After filling out the necessary forms and completing the requirements, you can submit your application. There is a non-refundable partial processing fee of ₱1,000 that you will need to pay upon submission of application.

If the property is located in NCR, you can head to the Pag-IBIG Fund offices in Shaw Boulevard, Kamias, or Imus. If it’s a provincial property, you can file the application at the nearest Pag-IBIG Fund office to the said property.

If you prefer to do it online, go to www.pagibigfund.gov.ph and click on E-Services. Note that it takes about 20 working days to process your housing loan. This includes property valuation and credit investigation already.

3) Receive Your Notice of Approval

If your housing loan application is approved, you will receive your Notice of Approval (NOA) or Letter of Guarantee (LOG). You can now sign your loan documents.

If your loan application is disapproved, it could be because of several reasons. When evaluating your loan application, Pag-IBIG Fund will also check your records, employment status, and your capacity to pay. They will evaluate the property and its appraised value. If you fail to meet any of these requirements, your loan application will get disapproved.

4) Complete Your NOA Requirements

You have 90 days to accomplish your NOA requirements. Note that there will be different requirements depending on the property you want to purchase. We suggest that you do it right away because some of the requirements take days, or even weeks to complete. Don’t do it at the last minute. The sooner you can submit complete and correct documents, the sooner your check will be released to you.

5) Receive Your Loan Proceeds

You can now collect your loan proceeds from Pag-IBIG Fund. Just present two valid IDs. You should also bring 12 postdated checks with you if payment for the loan is not through salary deduction. Once you have the check with you, just give it to the seller of the property as your payment.

If you’re looking for more information, you can check our guide on everything you need to know in getting a pag ibig housing loan.

Philippine Passport 101 – How to apply for a passport

By Yahoo! Philippines | News – Sat, 14 Sep 2013

Whether you’re going out of the country to work, study or just see the world, you will need a passport. This official document is proof that you are a Filipino citizen traveling under the protection of the Philippine government to and from foreign countries.

Philippine passports are issued by the Department of Foreign Affairs (DFA). In Metro Manila, applicants should set an appointment when applying for a passport at the DFA main and satellite offices while those in provinces may apply through the nearest regional consular office.

What do you need to do to get a passport? For first-time applicants, we’ve put up a basic guide from information on the DFA website. For the location map of all DFA passport processing offices in Metro Manila you may go to this link: http://emcph.net/getting-passport-made-easy-while-shopping/

Hamsa, 22, a Filipino worker who returned home from Syria shows her passportupon arrival at the Ninoy Aquino International Airport via a chartered flight, in southern Manila, Philippines, 11 September

Show up at the DFA office.

For Metro Manila applicants, this means you need to set an appointment online anytime or via hotline (02) 737-1000 8 a.m. to 5 p.m. Monday to Saturday. For those in provinces, meanwhile, regional consular offices usually accept walk-in applicants. A list of DFA locations is available on its website.

 

Prepare the following documents, including photocopies:

– duly accomplished application form (download from the DFA website)
– birth certificate issued by the National Statistics Office (NSO) or certified true copy of the birth certificate from the local civil registrar authenticated by the NSO
– Valid picture IDs and supporting documents to prove identity

 

List of acceptable IDs:

– government-issued IDs (such as SSS ID, driver’s license, PRC ID, etc.)
– old college ID
– alumni ID
– old employment IDs

 

List of supporting documents (at least three):

– voter’s ID
– NSO marriage contract
– seaman’s book
– transcript of records
– NBI/police/barangay clearance
– income tax return
– community tax certificate
– school yearbook

 

Be ready to pay the fees.

If you’re willing to wait for 15 days, you may opt to pay only the regular processing fee of P950. However, for P1,200 you may get your passport within only seven days via the express processing scheme. The same fees apply for those applying for passport renewal, but if you lost your passport, additional fees will be collected.

 

There are additional requirements in some special cases.

Married women, for example, should bring a copy of their marriage contract. Minor applicants, meanwhile, should be accompanied by a parent during the passport application process. Go to the DFA website. for more details.

 

Strike a pose!

No need to bring a passport-size photo. Under the new DFA passport processing system, your photo will be taken during your personal appearance and will be digitally printed into your passport. There are some rules on photos. You should:

– look directly at the camera lens so that your full face with ears shows
– keep both eyes open (and not covered by hair) and mouth closed
– not wear eyeglasses, contact lenses, earrings or hair accessories
– keep a “neutral” facial expression; not show teeth or gums when smiling (Think Mona Lisa!)

 

Wait.

Again, if you’ve paid for regular processing, your passport will be ready in 15 days. A shorter wait of seven days meanwhile applies for express processing. By default, passports are claimed at the DFA office, but you may opt to have your passport delivered through accredited couriers. But you have to be very careful and remember never to deal with fixers!

Philippine NBI 101 – How to apply for NBI online

By Kim Arveen Patria | Yahoo! Southeast Asia Newsroom  – Sat, 25 Jan 14

Finally, you no longer have to wait in line to get an NBI clearance for the application process many Filipinos have been complaining about is online.

The online NBI clearance application system has been launched Friday at the websites of the National Bureau of Investigation and the Justice Department.

If you need the document, you should fill out the online form before going to the nearest NBI centers for payment, biometrics enrollment and release.

Some 5.6 million Filipinos were given clearances in 2013, NBI’s former biometrics service provider Realtime Data Management Services Inc. (RDMSI) said.

RDMSI data further showed that that since July 2011, an average of 21,000 people daily were given NBI clearances, a usual requirement in job applications.

NBI’s contract with RDMSI ended in December 2013, causing hiccups in the process. The agency stopped issuing of clearances in malls and satellite offices.

The NBI clearance system is now run by the Justice Department, under its National Justice Information System, which is aimed at linking justice sector institutions.

“We shall continue to roll out and implement solutions to progressively eliminate queues and simplify processes,” Justice Secretary Leila De Lima said.

“Online application is the logical next step after the switch,” she added. The DOJ statement also noted that the renewal module will also be implemented soon.

If you need an NBI clearance, visit this site: http://nbi.njis-ph.com/

Meanwhile, here are the sites you can visit to claim your clearance after payment and biometrics enrolment:

Hamsa, 22, a Filipino worker who returned home from Syria shows her passportupon arrival at the Ninoy Aquino International Airport via a chartered flight, in southern Manila, Philippines, 11 September

 

METRO MANILA

NBI Clearance Center – U.N Avenue, Ermita. Manila
Quezon City Hall – Makatarungan St, Diliman, QC
Victory Shopping Center, Alabang, Muntinlupa City
Mandaluyong City Hall – Maysilo Circle, Mandaluyong City
Las Pinas City – Las Pinas City Hall
Robinson’s Place – Basement 1 Ermita, Manila
Robinson’s Otis – Level 2 Guanzon St., Paco, Manila
Robinson’s Galleria – Basement 1 Ortigas Ave., QC
Robinson’s Metro East – Level 4 Marcos Hi-way Pasig
Robinson’s Novaliches – Novaliches, QC
Ever Gotesco Recto – 3″‘ Flr Cinema 3 Recto Ave., Manila
Duty Free Fiesta Mall – Ninoy Aquino Ave., Paranaque City
Empire Mall – Edsa, Pasay City

CORDILLERA ADMINISTRATIVE REGION (CAR)

NBI Regional Office – Upper Session Road Baguio City

REGION I
NBI Regional Office – Aguila Road Sevilla Norte San Fernando City
Dagupan District Office – A. B. Fernandez West Dagupan City
Laoag District Office – Brgy 10 P Gomez St, Laoag City

REGION II
NBI Regional Office – Government Center Carig Sur Tuguegarao City
Bayombong District Office – Capitol Compound Bayombong Nueva Vizcaya
lsabela District Office – National Highway Brgy Osmena Ilagan Isabela

REGION III
NBI Regional Office – Capitol Compound City of San Fernando Pampanga
Bulacan District Olftce – Capitol Compound Guinhawa, City of Malolos, Bulacan
Cabanatuan Dislrict Office – Llanera St Old Provincial Capitol Cmpd Cabanaluan City
Olongapo District Office – 17 Kentucky Lane Upper Kalaklan Olongapo City
Tarlac District Office – Brgy Macabulos Drive San Roque Tarlac City
Marilao Municipal Hall – Beside PNP Station, Marilao, Bulacan

REGION IV-A
NBI Regional Office – Capitol Site Capitol Hills Batangas City
Cavite District Office – J.P. Rizal St. Kaybagal South Tagaytay City
Lucena District Office – NIA Compound Genes Aguilar St., Lucena City
Laguna District Office – Rizal Blvd Brgy. Tagapo City of Sta Rosa, Laguna
Montalban Rizal – Ground Flr., Municipal Hall
Robinson’s Cainta – Level 2 Junction Cainta, Rizal
Lipa City Hall – Lipa City, Batangas
Robinson’s Dasmarinas – Dasmarinas, Cavite

REGION IV-B
NBI Regional Office – Sitio Cuadro Aguas Brgy Sta Isabel, Calapan City
Puerto Princesa District Office – Taft St., Brgy Liwanag, Puerto Princesa City, Palawan

REGION V
NBI Regional Office – Maria Cristina St.,Naga City
Legazpi District Office – Quezon Avenue Legazpi City

REGION VI
NBI Regional Office – Duran St., Fort San Pedro Iloilo City
Bacolod District Office – Aguinaldo St. Bacolod City

REGION VII
NBI Regional Office – Escario St., Capitol Site, Cebu City
Dumaguete District Office – Capitol Area Daro Dumaguete City
Ormoc Gaisano – Gaisano Capital Mall

REGION VIII
Samar District Office – Old Health Bldg., Capitol Site Catbalogan City

REGION IX
NBI Regional Office – 19 Corcuera St. Zamboanqa City
Dipolog District Office – Quezon Ave Sta Isabel, Dipolog City
Pagadian District Office – BALGU Bldg., Capitol Compound, Pagadian City

REGION X
NBI Regional Office – Capitol Compound Cagayan de Oro City
lligan District Office – IBP Bldg., Badelles St. Pala-o lliqan City

REGION XI
NBI Regional Office – J.P. Laurel Avenue, Davao City
Tagum District Office – Door 5 Duson Apt. National Highway Visayan Village Tagum

REGION XII
NBI Regional Office – 2nd Floor South Cotabato Gymnasium Koronadal City
Saranggani District Office – San Pecto St. lagao, General Santos City

REGION XIII
NBI Regional Office – 2nd Floor FCB Bldg., J Rosales Ave Butuan City

ARMM
NBI Regional Office – Governor Gutierrez Avenue. Cotabato City

 

13th Month Pay: How is it Computed?

By Pinoy-Business.com & DOLE website

Time flies so fast and before you know it, the year-end is just around the corner. There’s the thought of Christmas and, yes, 13th-month pay, which the law requires to be paid not later than December 24 of each year.

The law – Presidential Decree No. 851 – requires all employers to pay their rank-and-file employees, regardless of the nature of their employment and irrespective of the method by which their wages are paid, an equivalent to at least one (1) month of their wages as 13th month pay. To be entitled to 13th-month pay, these employees must have worked for at least one month during the calendar year.

The 13th-month pay of an employee is based on the “basic salary,” which includes all remunerations or earnings paid by an employer to an employee for services rendered. However, 13th-month pay does not include cost-of-living allowances (COLA) granted pursuant to P.D. No. 525 or Letter of Instruction No. 174, profit-sharing payments, and all allowances and monetary benefits which are not considered or integrated as part of the regular or basic salary of the employee. Maternity benefits, like other benefits granted by the SSS, are are not included in computing the employee’s 13th-month pay. Overtime pay, earnings and other remunerations are also excluded from “basic salary” in the computation of the 13th-month pay.

There’s a catch, though. If these items, which are legally excluded from the computation of 13th month pay, are included by the employer in its previous computations and such act ripens into a “company practice,” then these items can’t be excluded without violating the prohibition against diminution or elimination of  benefits.

FORMULA AND COMPUTATION OF 13TH MONTH PAY (source: DOLE website)

Total basic salary earned during the year / 12 Months = Proportionate 13th Month Pay

Illustration: Using the basic wage in the NCR at 436.00 per day and a six-day workweek or an equivalent Monthly Basic Salary of P11,372.33, to wit:

Months Attendance Salary in a Month
January no absence P11,372.33
February no absence P11,372.33
March 1 day leave w/ pay P11,372.33
April no absence P11,372.33
May 2 days leave w/ pay P11,372.33
June 2 days leave w/ pay P11,372.33
July no absence P11,372.33
August 2 days leave w/ pay P11,372.33
September on maternity leave no salary
October on maternity leave no salary
November no absence P11,372.33
December 5 days leave w/o pay 9,192.33
P111,543.33 / 12 months P9,295.28 is the proportionate 13th month pay

Note:
1. COLA of P30.00 under Wage Order No. NCR 17 is not included in the basic salary in computing 13th month pay.

2. The 2 months of maternity leave are not included in the computation of 13th month pay because the female employee has no earnings from the company for the period.

The Key Differences Between a Commercial Bank, SSS, and Pag-IBIG Housing Loans

Sourced imoney.ph  | March 3rd 2017

The Key Differences Between a Commercial Bank, SSS, and Pag-IBIG Housing Loans

For many of us, our ultimate dream is to stop renting and purchase our own home. Unfortunately, the majority of us do not have enough money to pay for our entire house in cash. That’s where a home loan comes in. Buying your first home is a major investment, and applying for a housing loan is something that you should approach with care and thought.

The first step in your home buying journey is to use a mortgage calculator. It’s usually a free, online tool that will help you determine how much financing you could qualify for. After you have an idea of how much financing you will need, it’s time to pick a lender.

When we think of a housing loan three products come to mind: a Pag-IBIG housing loan, a SSS housing loan, and a commercial bank housing loan. Since your home is one of the largest purchases you will make during your lifetime, it’s important to pick a financing option that best suits your current lifestyle. Deciding which financing option to choose from may seem like a daunting task, but we’re here to help. Below is an in-depth description of each housing loan option, as well as a comparison chart to help you pick the home loan option that is best for you.

Pag-IBIG Housing Loan

The Home Development Mutual Fund (HDMF), or the Pag-IBIG Fund is a national savings program that was created to provide affordable home loans for Filipinos. A Pag-IBIG house loan can be used to purchase a brand-new property, fully developed or adjoining lots that do not exceed 1,000 square meters, a residential house and lot, condominium, or townhouse. You can also use a Pag-IBIG house loan to complete construction, or refinance your current home.

With a Pag-IBIG housing loan you can obtain financing up to ₱6,000,000.00, and get a maximum repayment term of 30 years. The amount you are approved for will depend on your need, capacity to pay, and loan-to-appraisal value ratio.

The Pag-IBIG loan-to-appraisal value ratio is as follows:

Loan Amount Appraised Value
Up to ₱400,000.00 100% of the home amount can be financed through Pag-IBIG
From ₱400,000.00 – ₱1,250,000.00 90% of the home amount can be financed through Pag-IBIG
From ₱1,250,000.00 – ₱6,000,000.00 80% of the home amount can be financed through Pag-IBIG

Perhaps one of the most attractive aspects of a Pag-IBIG loan is the affordability of the program when compared to other products on the market. You can use this Pag-IBIG Fund Housing Loan Affordability Calculator to get an idea of how much you will be able to borrow based on your income, repayment term, fixed pricing period, and the estimated value of the property you are interested in.

To qualify for a Pag-IBIG house loan you must be a Pag-IBIG member, and must have 24 monthly contributions under the “Pag-IBIG Membership Program.” If you have not made 24 contributions, you have an option to pay 24 months as a lump sum to qualify for the program. In addition, you must not be over the age of 65, cannot have any existing Pag-IBIG housing loan, and cannot have any outstanding multi-purpose loans. You also must not have any previous Pag-IBIG loans that were foreclosed on, cancelled, or bought back due to default. You can get approved for your Pag-IBIG housing loan in as little as 16 working days, if you submit all of the necessary paperwork.

Related Article:How to process a PAG-IBIG loan the step-by-step guide?

SSS Housing Loan

The Social Security System (SSS) Housing Loan, was built to provide working Filipinos with low-cost housing, home loan assumption, and home improvements. An SSS Housing Loan is issued by the Social Security System, a state-run social insurance program. SSS Housing Loans are not as common as Pag-IBIG Housing loans, but still carry many benefits.

You can use a SSS Housing Loan to purchase a lot and construct a new house; purchase an existing residential unit such as a house and lot, condominium, or townhouse; or to construct a new house on a lot that you own which is free from encumbrances and liens.

With an SSS Housing Loan you can borrow up to ₱2,000,000.00, but the actual amount you are granted is based on the lowest of the following:

  • Appraised value of collateral totaling at least 70% but not over 90%.
  • Your capacity to pay.
  • Your need based on the type of work you wish to complete and materials evaluated by the SSS.

Your loan repayment term can be repaid in multiples of five years, with a maximum repayment term of 30 years. Interest rates vary with an SSS Housing loan between 8.0% per annum and 11% per annum as outlined below.

Loan Amount Interest Rate
Up to ₱450,000.000 8.0% per annum
From ₱450,000.00 – ₱1,000,000.00 9.0% per annum
From ₱1,000,000.00 – ₱1,500,000.00 10.0% per annum
From ₱1,500,000.00 – ₱2,000,000.00 11.0% per annum

To qualify for a SSS Housing Loan you must be a member of the SSS, be a member of a registered workers’ organization, have at least 36 months’ premium contribution and 24 continuous contributions before the time of your application, cannot be more than 60 years old at the time of your application, cannot have previously been granted an SSS housing loan, and cannot have previously been granted final SSS benefits.

Related Article:When does buying a home make more sense than renting?

house model and documents

Bank Housing Loans

There are many banks to choose from when it comes to home loan financing. One of the best ways to get started with deciding where to get a bank loan is to do research on various financial institutions that interest you or with the ones you’re currently using. Utilize a tool such as a home loan calculator to get an estimate of how much you could finance with a bank.

Banks differ in terms of rates of interest and loan terms. Overall, here is what you can expect from a bank. First, you can use a bank loan to: purchase a townhouse, condominium, vacant lot or house and lot. You can also use a bank home loan to complete construction and home renovations, or to refinance your current home loan. The amount of money you can borrow from a bank for your home loan will vary, and will be dependent upon your capacity to pay. Repayment terms are also variable depending on which bank you decide to get your home loan from. Since banks can provide you with so much flexibility in terms of financing options, doing thorough research before signing any loan document is of utmost importance. Like any loan amount, banks vary in the amount they are willing to finance. Some banks offer 80% to 90% financing, while some offer as low as 70% total financing. Interest rates also vary depending on the bank, the total loan amount, and the loan tenure you decide on.

The qualifications for a bank loan are a little less strict. In most instances, a bank membership is not needed, there are no contribution requirements, and you do not have to have a savings account. You must be a Filipino citizen, or have a Visa if you are a foreigner. Banks traditionally have quicker approval times than other home loan options. If you decide to go with a bank for your home loan financing needs, the best way to ensure fast approval is to fully complete your online home loan application.

In order to be approved for a home loan from a bank, you must have a steady monthly family income. The amount you qualify for, and the rate you receive will be largely dependent on your capacity to pay. Online tools such as a BDO Home Loan Calculator can provide you with an idea of the type of financing you could receive from a bank as compared to a Pag-IBIG Housing loan or SSS Housing Loan.

Related Article: Figuring out how much of a house / condo you can afford?

Which Home Loan Option Is Best For Me?

Buying a home is a major milestone, and you want this time to be memorable, not stressful. That’s why it’s important to pick a home loan that suits your individual needs.

  • Pag-IBIG Housing Loan: If you are looking for a straight forward home loan with a low interest rate and flexible payment terms, a Pag-IBIG house loan would be a great financing option for you.
  • SSS Housing Loan: If you are a Filipino worker who is part of a registered worker’s organization you could greatly benefit from the low-cost housing options offered by an SSS Housing Loan.
  • Bank Loan: If you want a bit more flexibility with your home loan in regards to rate of interest, payment term, and financing amount, a bank home loan may be the way to go.

Above all, remember to utilize a mortgage calculator while doing your research to help you determine how much financing you could quality for, before you start looking for a house. Doing this will help set up expectations, and help you determine what type of financing would be best for you.

Related Article: Are you mature enough to buy a home?

Getting Philippine Passport MADE EASY while shopping!

By Yahoo! Philippines | News – Sat, 14 Sep 2013

You’ve probably heard horror stories about queues in passport applications, but nowadays they don’t have to be that much of a hassle. This, as the Department of Foreign Affairs (DFA) opened several satellite consular offices in shopping malls in Metro Manila to make passports more accessible to Filipinos who need them.

Upon preparing requirements, passport applicants only need to set appointments at these locations online or via phone. Meanwhile, those in the provinces may opts for walk-in applications in DFA regional consular offices nationwide. We are posting the complete addresses and maps of DFA satellite offices. For a step-by-step procedure passport application you may go to this link: http://emcph.net/passport-101-how-to-apply-for-a-passport/

DFA Consular Office

ASEANA Business Park, Bradco Avenue corner Macapagal Boulevard, Paranaque City
For passport appointments, visit http://passport.com.ph
DFA Consular Office ASEANA

 

SM Megamall Satellite Consular Office

7th Floor Megamall Building C, EDSA corner J. Vargas Avenue, Mandaluyong City
passport appointments, visit http://megamall.passport.com.ph

DFA NCR Consular Office Megamall

 

SM Manila Satellite Consular Office

Conception Street Corner Arroceros and San Marcelino, Metro Manila
For passport appointments, visit http://manila.passport.com.ph

DFA NCR Consular Office SM Manila

 

Robinsons Galleria Consular Office

Lingkod Pinoy Center, Level 1 west lane, Robinsons Galleria EDSA cor. Ortigas Avenue Pasig City
For passport appointments, visit http://galleria.passport.com.ph

DFA NCR Consular Office Galleria

 

Alabang Town Center Satellite Office

4th Floor, Metro Alabang Town Center, Alabang – Zapote Road 1700, Muntinlupa City
For passport appointments, visit http://alabang.passport.com.ph

DFA NCR Consular Office Alabang

 

Regional Consular Offices

The DFA has a satellite consular office at Level 3 Marquee Mall, Angeles City Pampanga.
There are also regional consular officers in the following areas: Pampanga, Bacolod, Baguio, Butan, Cagayan de Oro, Cebu, Cotabato, Davao, General Santos, Iloilo, La Union, Legazpi, Lipa City, Lucena, Pampanga, Puerto Princesa, Tacloban, Tuguegarao and Zamboanga. The locations are available at the DFA website.