tag:blogger.com,1999:blog-37099095249827617692024-02-20T00:52:08.814-08:00PAG IBIG HOUSING LOANUnknownnoreply@blogger.comBlogger4125tag:blogger.com,1999:blog-3709909524982761769.post-49611861502975442872009-04-04T23:03:00.000-07:002009-04-04T23:40:32.040-07:00<span style="font-weight:bold;">PAG-IBIG FINANCING UPDATES</span><br /><br /><span style="font-weight:bold;">Pag-ibig Creates More Loan Brackets</span><br /><br />The Home Development Mutual Fund known as Pag-ibig financing<br />yesterday announced more adjustments to its housing program,<br />this time creating additional housing loan brackets with<br />lower interest rates .<br /><br />Vice President Noli de Castro,who is chair of the Housing<br />and Urban Development Coordinating Council (HUDCC ) and the<br />Pag-Ibig board of Trustees, said the rate adjustment were<br />consistent with the redefined housing packages set by the<br />HUDCC . <br /><br />The new Pag-Ibig housing loan interest rate structures <br />retains the<span style="font-weight:bold;"> six percent(6%)</span> rate <span style="font-weight:bold;">for loans up </span>to <span style="font-weight:bold;">P400,000</span><br />and <span style="font-weight:bold;">seven percent(7%)</span>for loans <span style="font-weight:bold;">over P400,000</span> <span style="font-weight:bold;">up to P750,000.</span><br />Interest rates have been slashed from <span style="font-weight:bold;">ten point five percent</span><br /><span style="font-weight:bold;">(10.5%</span>)to only <span style="font-weight:bold;">eight point five percent </span><span style="font-weight:bold;">(8.5%)for loans </span><br />over<span style="font-weight:bold;"> P750,000 up to P1 million</span>, and <span style="font-weight:bold;"><span style="font-weight:bold;">nine</span> </span><span style="font-weight:bold;">point </span><span style="font-weight:bold;">five (9.5%)</span><br />percent for loans <span style="font-weight:bold;">over P1 million to P1.25 million.</span><br /><br />Interest rates for <span style="font-weight:bold;">loan from P1.25 million to P2 million</span><br />remains at <span style="font-weight:bold;">ten point five (10.5%) percent.</span><br /><br />Along with the latest rate adjustments, the Pag Ibig board<br />also approved the increase in maximum <span style="font-weight:bold;">loanable amount to</span><br /><span style="font-weight:bold;">P3 million</span>, at an interest rate of <span style="font-weight:bold;">eleven </span><span style="font-weight:bold;">point five (11.5%)</span><br />percent per annum <span style="font-weight:bold;">for loan starting at over P2 million. </span><br /><br /><span style="font-weight:bold;">The new rate took effect on April 1, 2009</span><br /><br />De Castro said the latest amendments to the Pag-Ibig<br />housing loan program was meant to make the program more<br />affordable to members, especially workers in highly -<br />urbanized areas whose housing needs often range from more<br />than P750,000 up to P1 million.<br /><br />Likewise, with the Boards approval of raising the loan <br />ceiling to P3 million, Pag-Ibig will be able to meet the<br />home financing needs of members belonging to the middle<br />income earners.<br />This should give Pag-Ibig members a wide range of choices<br />in buying a house .<br /><br /><br /><br />source : Philippine Daily Inquirer<br />Date : April 3 , 2009Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3709909524982761769.post-77751631162570514682009-03-19T23:55:00.000-07:002009-04-05T03:55:39.060-07:00<span style="color: rgb(255, 0, 0);"><span style="font-weight: bold;">PAG IBIG FINANCING PREMIER<br /><br />For Private , Employed , and Self - employed Person<br /><br /><span style="color: rgb(0, 0, 0);">2 Years or 24 months contribution to Funds<br />Qualify for Pag ibig housing loan <span style="color: rgb(51, 51, 255);">( can be upgrade )</span><br /><br /><span style="color: rgb(0, 153, 0);">Borrowings up to 2 million to for the following :</span><br /><span style="color: rgb(255, 0, 0);">1.<span style="color: rgb(0, 0, 0);">purchase of fully developed lot in a residential area.<br /><br /><span style="color: rgb(255, 0, 0);">2.<span style="color: rgb(0, 0, 0);">purchase of a lot and construction of houses.<br /><br /><span style="color: rgb(255, 0, 0);">3.<span style="color: rgb(0, 0, 0);">purchase of house and lot , townhouses , or<br />condominium unit .<br /><br /><span style="color: rgb(255, 0, 0);">4.<span style="color: rgb(0, 0, 0);">construction of a house on a lot owned by members.<br /><br /><span style="color: rgb(255, 0, 0);">If your monthly contribution is P500 , your loanable<br />amount is 1 million to 1.1 million<br /><br />Remember :<br /><span style="color: rgb(0, 0, 0);">The lots to be acquired using the loan must be<span style="color: rgb(255, 102, 0);"> free</span><br /><span style="color: rgb(255, 0, 0);"><span style="color: rgb(255, 102, 0);">from any encumbrances .</span><br /><br /><span style="color: rgb(0, 0, 0);">The maximum term of a Pag ibig housing loan is<br /><span style="color: rgb(255, 102, 0);">30 years but some are 25 years.<br /><br /><br /><span style="color: rgb(255, 0, 0);">PAG IBIG MEMBERSHIP</span><br /><span style="color: rgb(51, 51, 255);"><span style="color: rgb(255, 0, 0);">CONTRIBUTIONS <span style="color: rgb(0, 0, 0);">-- </span> <span style="color: rgb(0, 153, 0);"> LOANABLE AMOUNT</span></span><br />-----------------------------------------------------------<br />PAG IBIG 1 & 2<br /><br /><span style="color: rgb(255, 0, 0);">P 200</span> ------ <span style="color: rgb(0, 153, 0);"><span style="color: rgb(51, 51, 255);">Up to</span> P500,000</span><br /> <span style="color: rgb(255, 0, 0);">P 250</span> ------ <span style="color: rgb(0, 153, 0);"><span style="color: rgb(51, 51, 255);">over</span> P500,000 - P600,000</span><br /><span style="color: rgb(255, 0, 0);">P 300</span> ------ <span style="color: rgb(0, 153, 0);"><span style="color: rgb(51, 51, 255);">over</span> P600,000 - P700,000</span><br /><span style="color: rgb(255, 0, 0);">P 350 </span>- -----<span style="color: rgb(0, 153, 0);"><span style="color: rgb(51, 51, 255);">over</span> P700,000 - P800,000</span><br /><span style="color: rgb(255, 0, 0);">P 400</span> ------ <span style="color: rgb(0, 153, 0);"><span style="color: rgb(51, 51, 255);">over</span> P800,000 - P900,000</span><br /><br /> <span style="color: rgb(255, 0, 0);">P 450</span> ------ over <span style="color: rgb(0, 153, 0);">P 900,000 - P1,000,000</span><br /> <span style="color: rgb(255, 0, 0);">P500</span> ------- over<span style="color: rgb(0, 153, 0);">P1,000,000 - P1.1 M</span><br /> <span style="color: rgb(255, 0, 0);">P550 </span> ------- over <span style="color: rgb(0, 153, 0);">P 1.1 M - P 1.2 M</span><br /> <span style="color: rgb(255, 0, 0);">P 600</span> ------ over <span style="color: rgb(0, 153, 0);">P 1.2 M - P 1.3 M</span><br /> <span style="color: rgb(255, 0, 0);">P 650</span> ------ over <span style="color: rgb(0, 153, 0);">P 1.3 M - P 1.4 M</span><br /> <span style="color: rgb(255, 0, 0);">P 700</span> - ----- over <span style="color: rgb(0, 153, 0);">P 1.4 M - P 1.5 M</span><br /> <span style="color: rgb(255, 0, 0);">P 750</span> ------ over <span style="color: rgb(0, 153, 0);">P 1.5 M - P 1.6 M</span><br /> <span style="color: rgb(255, 0, 0);">P 800</span> ------ over <span style="color: rgb(0, 153, 0);">P 1.6 M - P 1.7 M</span><br /> <span style="color: rgb(255, 0, 0);">P 850</span> ------ over <span style="color: rgb(0, 153, 0);">P 1.7 M - P 1.8 M</span><br /> <span style="color: rgb(255, 0, 0);">P 900 </span>------ over<span style="color: rgb(0, 153, 0);"> P 1.8 M - P 1.9 M</span><br /> <span style="color: rgb(255, 0, 0);">P 950</span> ------ over <span style="color: rgb(0, 153, 0);">P 1.9 M - P 2 Million</span><br /><br />POP = US $ equivalent of availment<br /> <br /> <br /><br /></span></span></span></span></span></span></span></span></span></span><br /><br /></span></span></span></span></span></span></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3709909524982761769.post-41629509116184184192009-03-17T17:12:00.000-07:002009-03-17T18:47:00.412-07:00<span style="color: rgb(255, 0, 0);"><span style="font-weight: bold;">LOAN - TO - COLLATERAL RATIO<br /><br /><span style="color: rgb(0, 0, 0);">Some subdivisions or property developers offer a<br />buy - back provision for housing unit sold through<br />various financing schemes .<br /><br />The provision serves as guarantee that the property<br />developer will reacquire housing units foreclosed<br />by financing institutions due to non - payment of<br />borrowers .<br /><br />Pag - ibig covers housing units costing up to P300,000<br />even without buy-back guarantee and over P300,000<br />up to P750,000 pesos with buy-back guarantee .<br />The fund will cover 90% of the cost of housing units<br />worth over P300,000 up to P750,000 pesos without<br />a buy-back guarantee .<br /><br />Housing units that cost over P750,000 up to 1 million<br />pesos are only 95% covered if with a buy-back guarantee<br />and 85% covered if without<br /><br />Pag - ibig covers 90% of the cost of housing units worth<br />1 million pesos to 2 million pesos if with buy - back<br />guarantee and 75% of the cost if without .<br /><br /><span style="color: rgb(255, 0, 0);">ACTUAL NEED<span style="color: rgb(0, 0, 0);"><br /><br />This presents the amount of the housing units as<br />stipulated in the contract to sell , licensed to sell ,<br />amount of loan applied for , or cost estimates .<br /><br /><span style="color: rgb(255, 0, 0);">CAPACITY TO PAY<br /><br /><span style="color: rgb(0, 0, 0);">Pag -ibig fund takes into consideration the members<br />capability to pay the monthly amortization of his or her<br />housing loan . It requires that the monthly amortization<br />of the member on his or her loans must not be more<br />than <span style="color: rgb(255, 0, 0);">forty percent ( 40 % ) </span>of his or her <span style="color: rgb(255, 0, 0);">Net Disposable</span><br /><span style="color: rgb(255, 0, 0);">Income</span> ( NDI ) . Hence , if a member take home pay<br />is P20,000 monthly , his or her monthly amortization<br />must not exceed P8,000 pesos .<br /><br />Other uses of housing loan , aside from the mentioned<br />above are :<br /><br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">Home improvement and refinancing of existing loan<br />in institution acceptable to the fund .<br /><span style="color: rgb(255, 0, 0);"><br /><br /><span style="color: rgb(0, 0, 0);">Aside from meeting all the requirements , Pag - ibig<br />also requires that the borrowers must <span style="color: rgb(255, 0, 0);">not more than</span><br /><span style="color: rgb(255, 0, 0);">65 years old </span>at the time of loan application <span style="color: rgb(255, 0, 0);">and not</span><br /><span style="color: rgb(255, 0, 0);">more than 70 years old </span>at the<span style="color: rgb(255, 0, 0);"> date of loan maturity ,<span style="color: rgb(0, 0, 0);"><br /><br /><span style="color: rgb(255, 0, 0);">Must not have any outstanding loan</span> ( housing ) either<br />as a borrower or co-borrower , no arrears in their<br />multi-purpose loan repayment .<span style="color: rgb(0, 0, 0);"><br /><br />Pag - ibig charges <span style="color: rgb(255, 0, 0);">P3,000 </span>pesos for housing loan<br /><span style="color: rgb(255, 0, 0);">processing fee</span> . The<span style="color: rgb(255, 0, 0);"> P1,000</span> pesos is paid at the time<br />of the processing while the remaining <span style="color: rgb(255, 0, 0);">P2,000 is taken</span><br />from the loan process <span style="color: rgb(255, 0, 0);">upon its released .<span style="color: rgb(0, 0, 0);"><br /><br />The monthly amortization of the housing loan may<br />be paid in 2 ways through :<br /><span style="color: rgb(51, 51, 255);">* Salary deduction<br />* issuing of 12 post dated checks to cover 1 year of payment.<br /><br /><span style="color: rgb(0, 0, 0);">Payment of the monthly amortization starts a month<br />after the full released of the loan<br /><br />By fully developed lot , Pag- ibig covers kinds that is free<br />from squatters , with access to electricity and water ,<br />with provision from drainage and road right- of - way<br />and existing land monument .<br /><br /><span style="color: rgb(255, 0, 0);">Visit my other project link by<br /><li style="color: rgb(51, 51, 255);"><a href="http://www.yourbestchoicehome.blogspot.com/">" clicking here "</a></li><br /></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3709909524982761769.post-61173027777539044142009-03-16T22:47:00.000-07:002009-04-06T18:50:47.069-07:00Steps in Pag - ibig housing loan<span style="font-weight: bold;">You've seen a property that you want to acquire ,<br />check it out repeatedly , in fact , and you're convince<br />that its the right one for you .<br /><br />You're a Pag - ibig fund member and want to acquire<br />the house and lot or the lot where you want to built<br />your home through Pag - ibig housing loan,<br />go about this :<br /><br /><span style="color: rgb(255, 0, 0);">Easy Steps :<br /><br />Step 1<br /><br /><span style="color: rgb(0, 0, 0);">Attend the housing loan counseling session at the<br />Pag - ibig fund office nearest you .<br /><br />Applicant are ask to accomplished a preliminary<br />loan counseling questioner , housing loan application<br />form , and membership status verification slip ( MSVS )<br /><br />Based on this documents , Pag - ibig officers will<br />determine if the applicant is eligible for housing loan.<br />Eligible applicant are given a checklist of requirements<br />that they must comply with before they move to next .<br /><br /><span style="color: rgb(255, 0, 0);">The requirements :<br />* <span style="color: rgb(0, 0, 0);">certificate of employment with salary breakdown<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">latest 3 months payslip<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">income tax return with W2 for last 2 years<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">photocopy of company ID or valid ID with signature<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">Proof of billing or authorization if named to others<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">Birth certificate ( for single ) , marriage contract<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">cedula / residence certificate<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">pictures , 3 pcs, 1x1 and 2 pcs. 2x2<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">24 months Pag-ibig verification slip<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">latest service record ( for government employees )<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">job contract with visa or passport ( for OFWs )<br /><br />ADDITIONAL for OFWs<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">SPA - Special Power of Attoney ( from RP consulate )<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">ID with signature of person designate in the SPA<br /><span style="color: rgb(255, 0, 0);">* <span style="color: rgb(0, 0, 0);">POP contribution with record book<br /><br /><span style="color: rgb(255, 0, 0);">Step 2<br /><br /><span style="color: rgb(0, 0, 0);">Submit to Pag -ibig your loan application form<br />together with all the requirements in the checklist<br />and pay the processing fee of<span style="color: rgb(255, 0, 0);"> P1,000</span> pesos.<br />The amount is <span style="color: rgb(255, 0, 0);">non-refundable</span> even you disapproved.<br /><br /><span style="color: rgb(255, 0, 0);">Step 3<br /><br /><span style="color: rgb(0, 0, 0);">Wait for notice of approval or letter of guarantee<br />from Pag- ibig on your housing loan . After your<br />loan is approved , you will need to sign loan documents<br />at Pag - ibig office .<br /><br /><span style="color: rgb(255, 0, 0);">Step 4<span style="color: rgb(0, 0, 0);"><br /><br />Proceed to BIR and present the DeeD of Absolute Sale<br />between you and the owner of the property . You will<br />also need to submit the other necessary documents<br />like ,<br /> tax declaration<br /> tax reciept<br /> tax clearance<br /> payment of capital gains<br /> documentary stamp<br /> certificate authorizing registration ( CAR )<br /><br /><span style="color: rgb(51, 51, 255);">Before buying , TCT must be free from any <span style="color: rgb(255, 0, 0);">encumbrances </span></span><br /><br /><span style="color: rgb(255, 0, 0);">Step 5<br /><br /><span style="color: rgb(0, 0, 0);">After getting CAR from BIR , proceed to the notary<br />public and have your loan/mortgage agreement<br />notarized ( LMA ) .<br /><br /><span style="color: rgb(255, 0, 0);">Step 6<br /><br /><span style="color: rgb(0, 0, 0);">Go to cityhall and pay transfer tax , then go to<br />Register of DEEDs to register and pay registration fee<br />for the transfer of title and annotation of mortgage.<br /><br /><span style="color: rgb(255, 0, 0);">Step 7<br /><br /><span style="color: rgb(0, 0, 0);">If you've taken out a loan to purchase a new residential<br />unit or a lot where you've had a house constructed ,<br />you need to secure an occupancy permit from<br />engineering office in the cityhall where property is<br />situated .<br /><br /><span style="color: rgb(255, 0, 0);">Step 8<br /><br /><span style="color: rgb(0, 0, 0);">Go to Assessors office in the Cityhall where you will<br />need to secure tax declaration for your property .<br /><br /><span style="color: rgb(255, 0, 0);">Step 9<br /><br /><span style="color: rgb(0, 0, 0);">After visiting other government agency , you need to<br />go back to Pag-ibig fund office , armed with the<br />following documents :<br /><br /><span style="color: rgb(255, 0, 0);">1</span>. Original transfer certificate of title with your name<br /> and mortgage annotation on it .<br /><span style="color: rgb(255, 0, 0);">2.</span> DOAS with original RD stamp<br /><span style="color: rgb(255, 0, 0);">3</span>. New tax declaration<br /><span style="color: rgb(255, 0, 0);">4.</span> Updated real estate tax reciept<br /><span style="color: rgb(255, 0, 0);">5.</span> Occupancy permit<br /><span style="color: rgb(255, 0, 0);">6.</span> Assignment of loan proceeds<br /><br /><span style="color: rgb(255, 0, 0);">Step 10<br /><br /><span style="color: rgb(0, 0, 0);">The second to the last step is to recieved the loan<br />proceeds that you will use to pay the seller of the<br />property .<br /><br /><span style="color: rgb(255, 0, 0);">Step 11<br /><br /><span style="color: rgb(0, 0, 0);">The last step is to start paying monthly amortization<br />based on the scheduled date .<br /><br />Interest rate are at <span style="color: rgb(255, 0, 0);">six percent ( 6% )</span> for loans up to<br /><span style="color: rgb(51, 102, 255);">P300,000 pesos </span>, <span style="color: rgb(255, 0, 0);">seven percent ( 7% )</span> for loans above<br /><span style="color: rgb(51, 102, 255);">P300,000 to P750,000</span> and <span style="color: rgb(255, 0, 0);">ten point five percent (10.5%)</span><br />above <span style="color: rgb(51, 102, 255);">P750,000 and up to 2million pesos .</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="font-weight: bold; color: rgb(0, 153, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(51, 102, 255);"> <span style="color: rgb(0, 153, 0);">( Redefi</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="font-weight: bold;"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 0, 0);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 153, 0);">ned already ) </span><br /><br /><br /><br />Jerry Tuazon<br />Rebap Ortigas Inc.<br />email : rebapOrtigas@gmail.com<br />cell no. 0906 456 5727<br /><br /></span></span></span></span><span style="color: rgb(0, 0, 0);"> </span><br /></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span>Unknownnoreply@blogger.com1