Chinabank Homeplus Loan

Chinabank HomePlus Loan

Dreaming of a beautiful house in a spacious loan? I'm sure many of us do, but let us stop building castle in the air for Chinabank HomePlus Loan will turn our dream into reality.


Your success won't be complete without building your family or loved ones a home they can call their own. But with Chinabank Homeplus Loan, you don't have to worry about the expenses.

HomePlus loan as its name suggest is not exclusive to buying your dream house and lot, but you can also use the money to renovate your house, reimburse recent purchase of a residential property and the most exciting is you can refinance your existing housing loan with other financial institutions.


Requirements:

Here are the information found on Chinabank HomePlus Loan page.

  • China Bank HomePlus makes it easy and affordable to buy or build your very own home. Enjoy:
  • High loan amount
  • Flexible payment terms:
    • Up to 25 years for a house and lot
    • Up to 15 years for vacant lots 
    • Up to 10 years for condominium units
  • Low interest rates.  And to protect you from future rate increases, you can choose to have your interest rate fixed for one year, five years, or ten years.

Beyond rates and terms, we bring value to every home loan partnership by taking the time to understand your home financing needs. We assure you of:

  • Transparent dealings.  No hidden charges
  • Prompt processing
  • Low insurance premiums through China Bank’s subsidiary, China Bank Insurance Brokers, Inc.     
  • Easy and convenient loan payment via automatic debit arrangement
  • Advisory services for acquiring a property.  We have accredited reputable home developers and can help you own a home you can afford and enjoy
China Bank HomePlus is not just for the purchase of a lot / house & lot or for home construction, you can avail of it to:
  • Renovate your home
  • Reimburse recent purchase or construction of a residential property 
  • Refinance an existing housing loan with other financial institutions
So, what are you waiting for? Apply now at any China Bank Consumer Banking Center or China Bank branch near you.

Visit http://www.chinabank.ph for more information. You may also come to Chinabank branch near you.

China Banking Corporation commonly known as China Bank, is a Filipino bank established in 1920. It was the first privately owned local commercial bank in the Philippines initially catering to the banking needs of Chinese-Filipino businessmen. It offers various banking services and products related to deposit, investment, trust, cash management, remittance, and financing products and services. It also offers insurance brokerage and bancassurance services through its subsidiary and affiliate.

ABS-CBN, GMA 7 and TV5 Programs Replay

ABS-CBN, GMA 7 and TV5 Programs Replay
watch abs-cbn, gma 7 and tv5 programs replay
Busy for work or don't have time to watch TV, OFWs as well as those living locally miss out on watching their favorite programs in real time. But, in this day and age, they can always find ways to follow the latest episode of FPJ's Ang Probinsyano or Encantadia. It is all because TV programs replay is mushrooming in the internet.


Forgive me for doing this, but I want to divert some traffic in the internet to this site. I am outrightly against online piracy. Millions of dollars have been lost and gone to someone else's purse who didn't shed even a single drop of sweat in making the videos they stream online, yet they are the ones earning a lot - way bigger than the ordinary people who are part of the cast.

This ABS-CBN, GMA 7 and TV5 replay of might ruin your day, but by God, let's work fairly. Let's exert effort in our work. Let's give credit to the people behind the videos by giving them justice. That is, let us give justice to their hardwork by not supporting online piracy.


As there are millions of dollars generated through online piracy such as streaming videos own and copyrighted by others, there have been a growing number of bloggers who make money through it as advertising networks also make millions out of it.


Watch your favorite TV programs here from the Philippines' big 3 networks. The ABS-CBN, GMA 7 AND TV5 are own by the country's top billionaires. While they still make millions of dollars, it is still outrightly wrong to stream videos not your own and make a lot of money with them.


This is not a fight for the TV networks, but a fight for the ordinary workers, actors, extras, cameramen, and the like who could hardly make a living with the compensation they receive. Compared to the life of online pirates out there who have mansions, cars, and everything they want in life, ordinary workers only live in a modest house, barely able to make both ends meet.


I wonder why the number of online piracy is ever growing despite the effort of the government in the different countries. Are they really doing their job? Are the owners of the videos being pirated aware of this or they just take piracy for granted because their network is still making a lot.


Although, according the news, there were a few people who had been arrested due to online piracy. But this news don't seem to unnerve the pirates, probably because they know how to shake off authorities. Some of them are hard to trace, but that doesn't mean that authorities have to give up or do nothing.


To the big 3 networks in the Philippines, please do something, not for you but for the men behind your success and wealth. And to the government, please be aware that a lot of people are hard at work while pirates are sitting in front of their computer, earn thousands of dollars a month, and they can get what they world can offer them.

NBA Free Live Streaming

NBA Free Live Streaming


Want to watch NBA Live on your computer or smartphone? Stay here and enjoy as your favorite NBA team is on the roll.





Are you looking for a free NBA streaming in real time? You are on the right site. We stream NBA for free without annoying advertisement.

But sorry folks, I am only fooling you. We never stream piracy as it is against my idealism. If you want to watch NBA live games, go to a genuine site that is authorize to do so and register.

NBA is the number one sporting event in most parts of the world. Basketball fanatics are crazy about the NBA. But only a few are subscribing to watch NBA games on the internet legally. Most of them make do with a free NBA live streaming which is an outright piracy.

If you really want to help this world to change for the better. Start the right change in your self. One of them is to reject online piracy and welcome legitimate sites, though they require us to subscribe and pay a few bucks per month or per year, it still the most fair to do.

Free NBA live streaming keyword has been soaring high every day. And I want to take advantage of it.

NBA live
NBA live stream
NBA free

Oratorical Piece About Love - Soulmates Do Exist

Oratorical Piece About Love

Love is in the air so to speak. People are engrossed in finding ways to express their love. Some may be writing a poem for their only one, others may be thinking of buying flowers and chocolates, or those who are romantic consider of going out on a date.

Many of us believe that it's love that makes this world go round. Without it, the world would have stopped revolving which will result in catastrophe. Literally, while all these would never happen due to the loss of love, life could be so dark as if the sun has never come out for quite a long time without someone to love and someone who loves in return.

sample oration piece about love

So much for that. In this post, I would like to share with the rest of the world a sample oratorical piece about love which springs up from a personal experience. Yes, the love that I had been looking for and came in God's time.

This oratorical piece is entitled "Soulmates Do Exist". Read, share and internalize.
Soulmates Do Exist

Have you ever experienced unrequited love? It hurt for sure, but it's part of growing up and of maturing which we could put to good use as we move forward in life.

Should you have suggestions, reactions or the like, please feel free to comment below. Thanks for visiting. More sample oratorical piece will be posted in the future.

How did I rid myself of acne and pimples

Treat Your Acne And Pimples Fast

When I was in high school until college, I had been suffering from acne and pimples that came and went. This particular facial problem did not only compromise my self-confidence but also take a toll on the quality of my teenage life in general.  Common among teenagers, acne and pimples may be caused by many factors aside from they are a part of growing up. One of them is lack of sleep. I have experienced this many times that when I do not have a good night's sleep, a painful acne shows up on my nose or anywhere on my face. And it is not only embarrassing but also hurts.  Before you make a trip to an expensive dermatologist's clinic and give up hope at the end of the day, try these simple tips that can only be done at home. What makes this amazing is you do not have to spend an arm and a leg.  All you need to do is to wash your face with soap and lukewarm water, nothing else. You have to do this every night or every morning. And the result is extraordinary, take it from me. However, just like any other beauty regimens out there, doing so should be stopped if nothing happens and worsens the problem instead.  There are things, however, that I noticed when I overdid it. My facial skin got whiter in comparison with the rest of my skin and I got watery eyes that I could not bear looking at bright lights. But if this is only done just right, I do not think any side effects will come into sight.  Here are the procedures: Wash your face with soap and lukewarm water. Let the soap dry up on your face for an hour or two. Rinse your face with water (lukewarm or not). Do this every night or morning. You may notice that when you leave soap dry on your face a feeling of tightness of your facial skin, and that is normal. After rinsing, you can feel that your face is as smooth as that of a baby's.  The positive result, however, is temporary if you continue doing things detrimental to your facial skin. To get rid of acne and pimples once and for all, do these.  Get plenty of sleep. Sleep is the only way our body to repair itself. Aside from that, it also boosts our immune system to fight off harmful microorganisms that get into your system. Eat the right food. Our diet should primarily be plant-based. Eating meat often promotes inflammation in our body. Acne and pimples could be caused by eating meat beyond our body's needs. Find ways to de-stress. We all confront stressful moments every single day and your body's reaction to them could show up on your face. Things that you enjoy doing definitely de-stresses yourself. This tips should neither supplement nor replace a specialist's advice as this is only based on my experience. But if you are sick and tired of following professional opinions, why not try to explore things you think is right and suitable for you.
Photo illustrated is courtesy of istockphoto.com. Visit their page for more exciting pictures.
When I was in high school until college, I had been suffering from acne and pimples that came and went. This particular facial problem did not only compromise my self-confidence but also take a toll on the quality of my teenage life in general.

Common among teenagers, acne and pimples may be caused by many factors aside from they are a part of growing up. One of them is lack of sleep. I have experienced this many times that when I do not have a good night's sleep, a painful acne shows up on my nose or anywhere on my face. And it is not only embarrassing but also hurts.

Before you make a trip to an expensive dermatologist's clinic and give up hope at the end of the day, try these simple tips that can only be done at home. What makes this amazing is you do not have to spend an arm and a leg.

All you need to do is to wash your face with soap and lukewarm water, nothing else. You have to do this every night or every morning. And the result is extraordinary, take it from me. However, just like any other beauty regimens out there, doing so should be stopped if nothing happens and worsens the problem instead.

There are things, however, that I noticed when I overdid it. My facial skin got whiter in comparison with the rest of my skin and I got watery eyes that I could not bear looking at bright lights. But if this is only done just right, I do not think any side effects will come into sight.

Here are the procedures:
  1. Wash your face with soap and lukewarm water.
  2. Let the soap dry up on your face for an hour or two.
  3. Rinse your face with water (lukewarm or not).
  4. Do this every night or morning.
You may notice that when you leave soap dry on your face a feeling of tightness of your facial skin, and that is normal. After rinsing, you can feel that your face is as smooth as that of a baby's.

The positive result, however, is temporary if you continue doing things detrimental to your facial skin. To get rid of acne and pimples once and for all, do these.

  1. Get plenty of sleep. Sleep is the only way our body to repair itself. Aside from that, it also boosts our immune system to fight off harmful microorganisms that get into our system.
  2. Eat the right food. Our diet should primarily be plant-based. Eating meat often promotes inflammation in our body. Acne and pimples could be caused by eating meat beyond our body's needs.
  3. Find ways to de-stress. We all confront stressful moments every single day and our body's reaction to them could show up on our face. Things that we enjoy doing definitely de-stresses ourselves.
This tips should neither supplement nor replace a specialist's advice as this is only based on my experience. But if you are sick and tired of following professional opinions, why not try to explore things you think is right and suitable for you.

Pag-ibig Housing Loan Programs

Pag-ibig Housing Loan Program


Want to own a house but your salary is barely enough to build one? Why not try Pag-ibig Housing Loan Program. With pag-ibig housing loan program, you can build your dream house without sacrificing your daily needs.

In today's world, living in a home we can truly call our own is both a need and pride. Especially if we have our own family, it is utterly hard to share a living room, kitchen, etc. with other families. But with Pag-ibig Housing Loan Program, two families don't need to crowd under one roof.

Do you have questions about this housing loan program? Take a look at the slides below to learn more about frequently asked questions.


Whether we are renting or living in your parent's house and seem to feel comfortable with it, nothing compares to have a house to our own name. We don't have to worry about what the future holds since nobody can send us away homeless or we don't have to agonize over our monthly rent payments.

Pag-ibig Fund knows our need. What's more, our capacity to pay our loan has already been figured out beforehand, that is why we are given options or modes of applying for a Pag-ibig housing loan and loan terms that suit our needs.

Two (2) modes of applying for a Pag-IBIG housing loan: 

(a) Developer-Assisted - the developer assists the member in his/her housing loan application and 
(b) Retail - the member applies directly to the Fund.

Below are the requirements to avail this housing loan program of Pag-ibig.
Eligibility Requirements

To qualify for a Pag-IBIG housing loan, a member shall satisfy the following requirements:

1.      On Pag-IBIG Membership
·         Must be a member under the Pag-IBIG I, Pag-IBIG II or Pag-IBIG Overseas Program (POP) for at least twenty-four (24) months, as evidenced by the remittance of at least 24 monthly contributions at the time of loan application.
·         A member with less than the required number of contributions applying for a Pag-IBIG housing loan shall be allowed to make lump sum payment based on the mandatory monthly membership contribution rates (both EE and ER share) to meet the said requirement at point of loan application provided he has been a contributing member of the Fund for at least twelve (12) months. Lump sum payment of membership contributions shall be considered a single contribution for the applicable month as of the payment date.
·         A member whose loan exceeds P500,000.00 shall be required to pay the upgraded membership contribution rates upon housing loan approval and onwards.
·         A member who has contributed for at least two (2) years and whose loans exceed P500,000.00 shall be required to pay the upgraded contribution rates upon housing loan approval and onwards.

            For purposes of satisfying the required two (2) years membership contributions, the member may opt to pay in lump sum any amount short of the said requirement. In addition, the period corresponding to the TAV applied earlier to an outstanding loan shall also be considered when counting the total number of monthly contributions, provided the remaining TAV after offsetting does not fall below the equivalent amount of two (2) years membership contributions.
2.      Not more than sixty-five (65) years old at the date of loan application and must be insurable; provided further that he is not more than seventy (70) years old at loan maturity;
3.      Has the legal capacity to acquire and encumber real property;
4.      Has passed satisfactory background/credit and employment/business checks of the Pag-IBIG Fund;
5.      Has no outstanding Pag-IBIG housing loan, either as a principal borrower or co-borrower;
            However, should a co-borrower in a tacked loan signify an intention to avail of a Pag-IBIG housing loan for himself, he shall be allowed to do so provided the tacked loan is updated and the   amount proportionate to his loan entitlement has been fully paid. Hence, the co-borrower shall be released from the original obligation and shall be allowed to avail of his own Pag-IBIG housing loan, subject to standard evaluation  procedures.
6.      Had no Pag-IBIG housing loan that was foreclosed, cancelled, bought back due to default, or subjected to dacion en pago, which shall include cases where the borrower is no longer interested to pursue the loan and surrenders the property;
7.      Has no outstanding Pag-IBIG multi-purpose loan in arrears at the time of loan application. A member whose multi-purpose loan is in arrears shall be required to pay his arrearages over the counter to update his account.

» PROCESSING FEE
·         P1,000 - upon filing of housing loan application with required documents (non-refundable)
·         P2,000 – appraisal fee (upon filing of loan application, non-refundable)
·         P2,000 – upon take-out (deducted from the loan proceeds)
» BASIC REQUIREMENTS (UPON LOAN APPLICATION)
1.      Housing Loan Application with recent ID photo of borrower/co-borrower (if applicable) (2 copies, HQP-HLF-068/069)
2.      Proof of Income (see details below)
3.      One (1) valid ID (Photocopy, back-to-back) of Principal Borrower and Spouse, Co-Borrower and Spouse, Seller and Spouse and Developer’s Authorized Representative and Attorney-In-Fact, if applicable
4.      Transfer Certificate of Title (TCT) (latest title, Certified True Copy). For Condominium Unit, present TCT of the land and Condominium Certificate of Title (CCT) (Certified True Copy).
5.      Updated Tax Declaration (House and Lot) and Updated Real Estate Tax Receipt (photocopy)
6.      Contract-to-Sell or similar agreement between the buyer and seller
7.      Vicinity Map/Sketch of the Property
» REQUIRED DOCUMENTS PRIOR TO LOAN RELEASE
1.      TCT/CCT in the name of the borrower/co-borrower/s (if applicable) with proper mortgage annotation in favor of Pag-IBIG Fund (Owner’s Duplicate Copy)
2.      TCT/CCT in the name of the borrower/co-borrower/s (if applicable) (Certified True Copy) with proper mortgage annotation in favor of Pag-IBIG Fund (RD’s copy)
3.      Updated Tax Declaration (House and Lot) and Updated Real Estate Tax Receipt (Photocopy) in the name of the borrower/co-borrower/s, if applicable
4.      Loan Mortgage Documents
a.      Loan and Mortgage Agreement duly registered with Registry of Deeds with original RD stamp (HQP-HLF-162/163)
b.      Deed of Absolute Sale duly registered with Registry of Deeds with original RD stamp
c.       Duly accomplished/notarized Promissory Note (HQP-HLF-086/087)
d.      Disclosure Statement on Loan Transaction (HQP-HLF-085)
» OTHER APPLICABLE REQUIREMENTS
» INCOME DOCUMENT:

* For Locally Employed, any of the following:
a.      Notarized Certificate of Employment and Compensation (CEC), indicating the gross monthly income and monthly allowances or monthly monetary benefits received by the employee
b.      Latest Income Tax Return (ITR) for the year immediately preceding the date of loan application, with attached BIR Form No. 2316, stamped received by the BIR
c.       Certified One (1) Month Payslip, within the last three (3) months prior to date of loan application
                 NOTE: For government employees, the Certified One (1) Month Payslip, within the last three           (3) months prior to date of loan application, must be submitted together with CEC or ITR.
* For Self Employed, any of the following Proof/s of Income:
a.      ITR, Audited Financial Statements, and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit
b.      Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months)
c.       Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances, pensions, etc.)
d.      Copy of Lease Contract and Tax Declaration (if income is derived from rental payments)
e.      Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for other PUVs)
f.        Certificate of Engagement issued by owner of business
g.      Other document that would validate source of income
* For Overseas Filipino Workers (OFW), any of the following:
a.      Employment Contract
·         Employment Contract between employee and employer; or
·         POEA Standard Contract
b.      Certificate of Employment and Compensation (CEC)
·         CEC written on the Employer/Company’s official letterhead; or
·         CEC signed by employer (for household staff and similarly situated employees) supported by a photocopy of the employer’s ID or passport
c.       Income Tax Return filed with Host Country/Government
                 NOTE: If documents are in foreign language/s, English translation is required.
» ADDITIONAL REQUIREMENTS (if applicable only)
* Upon Loan Application
§  For OFW members
a.      Special Power of Attorney (SPA) notarized prior to date of departure. For OFW member abroad, a SPA notarized by a Philippine Consular Officer, or SPA notarized by a local notary (of the country where the member is working) but duly authenticated by the Philippine Consulate.
b.      The Fund may also require any or a combination of the following documents:
§  Payslip indicating income received and period covered
§  Valid OWWA Membership Certificate
§  Overseas Employment Certificate
§  Passport with appropriate visa (Working Visa)
§  Residence card/permit (permit to stay indicating work as the purpose)
§  Bank remittance record
§  Professional License issued by Host Country/Government
                 NOTE: If documents are in foreign language/s, English translation is required.
Insurance Coverage
a.      Health Statement Form (Medical Questionnaire)
§  For borrowers over 60 years old
§  For borrowers up to 60 years old, if loans is over P2.0 M to P6.0 M
b.      Health Statement Form (Medical Questionnaire) and Copy of the result of medical examination conducted prior to assignment overseas as required by the employment agency
·         For OFW borrowers over 60 years old
§  For Purchase of Lot with Construction of House (PLCH)
a.      Building Plans, Specification with Bill of Materials duly signed by the Licensed Civil Engineer or Architect
§  For Properties Purchased from a Developer/Corporation/ Association
a.      License to Sell (Applicable to Developer only)
b.      Secretary’s Certificate on the Authorized Signatory of the Developer/Corporation/Association
c.       One (1) valid ID of the Corporate Secretary and Authorized Signatory of the Developer/Corporation/ Association (Photocopy, back-to-back)
* Prior to Loan Release
§  Surety bond (for properties that are subject to the lien imposed by Section 4 Rule 74 of the Rules of Court)
§  Collection Servicing Agreement with Authority to Deduct Loan Amortization or Post Dated Checks, if applicable
§  For Purchase of New Residential Unit only
§  Occupancy Permit
·         For PLCH only
§  Occupancy Permit
§  Building Plans/Electrical/Sanitary Permits duly approved by the building officials

Housing Loan (Source: Wikipedia)

The most popular program benefit of the Pag-IBIG Fund offers assistance to its members by providing cheap financing for their housing needs. HDMF accomplishes this by working in partnership with the local Real Estate Developers and arranging affordable loans to real estate buyers (Pag-IBIG members).

The loan had a lower interest rate compared to the prevailing rate in the market and payable in longer terms. Pag-IBIG Fund offers a home loan at a low interest rate of 6% (for ₱400,000 loan) with a loan term of up to 30 years. A qualified member can get a maximum loan amount of up to ₱3 Million.

Seafarers Online Registration Frequently Asked Questions

Seafarers Online Registration Frequently Asked Questions



Being a seafarer is no easy job as one has to work away from his loved ones. While the financial compensation is way off bigger than working locally, it doesn't seem to make any sense if you only see them once in a full moon.

For seafarers and soon-to-be one, I have reposted the frequently asked questions for seafarers online registration at the POEA.


A sailor, seaman, mariner, or seafarer is a person who navigates waterborne vessels or assists as a crewmember in their operation and maintenance. The term bluejacket may be used for British or US Navy enlisted sailors, the latter especially when deployed ashore as infantry. The Bluejacket's Manual is the basic handbook for United States Navy personnel. 700,000 of the world's mariners come from the Philippines, being the world's largest origin of seafarers.

Etymologically, the name "sailor" preserves the memory of the time when ships were commonly powered by sails, but it applies to the personnel of all vessels, whatever their mode of propulsion, and includes military (naval) and security (coast guard) maritime personnel and members of the merchant marine, as well as recreational sailors. The term "seaman" is frequently used in the particular sense of a sailor who is not an officer.

Seafarers hold a variety of professions and ranks, each of which carries unique responsibilities which are integral to the successful operation of an ocean-going vessel. A ship's crew can generally be divided into four main categories: the deck department, the engineering department, the steward's department, and others.

A ship's engineering department consists of the members of a ship's crew that operates and maintains the propulsion and other systems on board the vessel. Marine engineering staff also deal with the "hotel" facilities on board, notably the sewage, lighting, air conditioning and water systems. Engineering staff manage bulk fuel transfers, from a fuel-supply barge in port. When underway at sea, the second and third engineers will often be occupied with oil transfers from storage tanks, to active working tanks. Cleaning of oil purifiers is another regular task. Engineering staff are required to have training in firefighting and first aid. Additional duties include maintaining the ship's boats and performing other nautical tasks. Engineers play a key role in cargo loading/discharging gear and safety systems, though the specific cargo discharge function remains the responsibility of deck officers and deck workers.

Mariners spend extended periods at sea. Most deep-sea mariners are hired for one or more voyages that last for several months. There is no job security after that. The length of time between voyages varies by job availability and personal preference.

The rate of unionization for these workers in the United States is about 36 percent, much higher than the average for all occupations. Consequently, merchant marine officers and seamen, both veterans and beginners, are hired for voyages through union hiring halls or directly by shipping companies. Hiring halls fill jobs by the length of time the person has been registered at the hall and by their union seniority. Hiring halls typically are found in major seaports.

At sea, on larger vessels members of the deck department usually stand watch for 4 hours and are off for 8 hours, 7 days a week.


Mariners work in all weather conditions. Working in damp and cold conditions often is inevitable, although ships try to avoid severe storms while at sea. It is uncommon for modern vessels to suffer disasters such as fire, explosion, or a sinking. Yet workers face the possibility of having to abandon ship on short notice if it collides with other vessels or runs aground. Mariners also risk injury or death from falling overboard and from hazards associated with working with machinery, heavy loads, and dangerous cargo. However, modern safety management procedures, advanced emergency communications, and effective international rescue systems place modern mariners in a much safer position.

Most newer vessels are air conditioned, soundproofed from noisy machinery, and equipped with comfortable living quarters. These amenities have helped ease the sometimes difficult circumstances of long periods away from home. Also, modern communications, especially email, link modern mariners to their families. Nevertheless, some mariners dislike the long periods away from home and the confinement aboard ship. They consequently leave the profession.

Visit Wikipedia for more information - https://en.wikipedia.org/wiki/Sailor
Visit POEA Website for more details - http://www.poea.gov.ph

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