MORTGAGE REDEMPTION INSURANCE Philippines - Required? How much?

Sa video po na ito, pag-uusapan natin kung...
✔️ano nga ba ang MRI o mortgage redemption insurance
✔️required bang may MRI o bakit kailangan ng MRI
✔️how much is mortgage redemption insurance in the Philippines
✔️where to get mortgage redemption insurance in the Philippines
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[@buhayofw4296]

Thank you. This is very helpful

[@OwnPropertyPH]

Thank you so much po 😊

[@aeroldmateo35]

Ang ganda and basic ng pagkakaexplain. Thank you ma'am 👍

[@josephramos7231]

Very clear explanation! It's great, lovely and clear delivery.

[@alexajero8523]

Happy Holidays sa iyo! Thanks sa mga sharing of knowledge mo….Alex of Vegas

[@OwnPropertyPH]

Thank you so much. Happy holidays din po sayo and God bless 😊

[@6681851]

Nice topic, Mam Me-an!

[@OwnPropertyPH]

Thank you 😆😊

[@reymilladatv]

Hello Langga.. Nice Topic

[@OwnPropertyPH]

Salamat po 😊

[@mhiemhiney2188]

Hello po ma'am ask ko lang po magkano po usually ang dinadagdag sa amortization sa bank kapag exluded ang mri,kc po bank financing po kmi me computation npo ang bank ng monthly amortization na 4800 pero hnd po ksama ang mri ... possible po ba na 1k ang idagdag ng banko sa amortization nmin kpag kasam n ung mri?salamt po sa pag sagot sana po mapansin Godbless po sa channel nyo...😊

[@danicapascua-obana8774]

Question po, naglapse na po ung MRI namin few years ago. Hindi po kami nakkabayad nito but continues pa din ang home loan namin. Pwede po na lanh na hindi sya bayaran? Ano po ang pwedeng maging effect sa property po namin kapag hindi nakapagbayad ng MRI. Maraming salamat po.

[@MrNickdulce77]

Meron po kau video sa fire insurance?

[@ginger8892]

Hi maam, what if naka in-house financing pwede bang kumuha ng separate home insurance ?TIA❤

[@randycorpuz2837]

Hi, paano yung pag Claim ng MRI sa Pagibig if Pasalo ang property and namatay yung Original Principal Buyer?

[@luludomingo9750]

Hi Mean. Thanks for sharing. Would like to ask paano naman ang MRI for marries couple(s)? Sino dapat sa hubby & wife ang dapat maInsured for the MRI? TIA 💚

[@MetUmandap]

what if di ako nakapag bayad last year na MRi need pa ba bayaran yon ?

[@bottamayo26]

very informative. thanks

[@RalphOpinion]

Nice content as always

[@gerliesalve8031]

Hi, nagdedecrease din po ba yearly premium ng MRI since nagdecrease na din ung loan? Or same amount po ung premium kahit nagdecrease ung loan and coverage?

[@Beyonsheng]

Hello pwede po bang maging co borrower sa banko ang gf o bf plang? Kapag po ba may co borrower at may MRI ang principal borrower, hindi na po ba magbabayad ang co borrower kung sakaling may mangyari sa prinicipql borrower?

[@OwnPropertyPH]

Hi, pwede pong maging coborrower ang gf o bf palang. Regarding doon sa hindi magbabayad, it depends kung sino ang pinili niyong principal. For ex. yung bf ang principal siya ang namatay, then wala ng babayaran si gf. Kung si gf namatay, magbabayad pa rin si bf. Another scenario ay kung parehong principal ang bf at gf, then kung isa namatay, half nalang ang liability nung surviving borrower

[@melissapascua1479]

Hello maam. I have paid recently my MRI pero i received a call from a collections company and asking me to pay unpaid 2018 daw na MRI. Tapos na ung year na yon e… do i need to pay this?

[@miamor6109]

Hello Mam.may tanong po ako?nagloan po ako sa BDO HOME LOAN PO TAPOS GUSTO KONG PARENTAHAN YONG BAHAY SILA NABA ANG MAGHANAP NG TAO PARA MAGRENT SA BAHAY?SALAMAT PO.😊

[@OwnPropertyPH]

Hi, hindi po sila ang maghahanap ng mangungupahan dahil hindi po sila ang may-ari ng bahay. Kayo po ang may-ari 😊

[@eugene.lim.jumalon]

@@OwnPropertyPH 😂

[@markkyletejuco7203]

paano po pag natapos n po ung payment sa pagibig mawawala n din po b ung MRI at fire insurance?

[@taksgonzales18]

Hello po ma'am tanong lang po ..may insurance pa po ba kapag yung may ari ng bahay ay namatay na pero bago sya mamatay ay nabayaran nya na yung bahay .or na fully payment nya na may insurance pa po ba yun .salamat po

[@OwnPropertyPH]

Wala na pong mortgage redemption insurance kapag fully paid na yung home loan 😊

[@nationalgeography4249]

Hi ma'am, may tanong po ako. Paano po kung may co-borrower sa bank home loan, sino po ang naka-insured? Both po ba or yung principal borrower lang? And kung may nangyari po sa principal borrower, it means po ba na babayaran ng MRI ang loan at hindi ipapasa ang utang sa co-borrower? Salamat po, sana masagot.

[@OwnPropertyPH]

Depending on the insurance provider, you may be given an option whether to insure only the principal borrower or both co-borrowers po. At kapag pinili na ang principal borrower lamang po ang insured, it means wala ng babayaran ang co-borrower kasi ang insurance provider na po ang magbabayad nung loan balance 😊

[@dfantasticcreatures436]

​@@OwnPropertyPHHi mam. Paano po kung both insure sa mri? Ipapasa lang po ng bank lahat ng balance sa co-borrower?

[@reyesralphchristians.1041]

Vlogger ka po pala mam ako po yung nagdeliver sayo yung mali pin 😅 shout out

[@OwnPropertyPH]

Hindi naman po ako celebrity para mag-shout out 😅

[@dep1912]

Grabe ang galing mo. Nag subscribe ako gang. Ano fb page mo?

[@OwnPropertyPH]

Salamat po sa pag-subscribe 😊 FB page ko po ay Own Property PH. Yun nga lang, hindi po ako medyo active ngayon doon kasi busy po sa work

[@bmorcilla]

Hello Mam, pano po ang computation ng MRI sa bank home loan? May marerecommend po ba kayong insurance provider?

[@OwnPropertyPH]

Hello, it's best to ask the insurance provider po and the insurance provider would also depend on the bank where you secured your home loan. For example, kung sa BDO po kayo ng-secure ng home loan then mas okay na sa BDO Life Insurance po kayo kumuha 😊

[@russelisidoro8132]

Very useful. Thank you

[@OwnPropertyPH]

I’m glad that it is useful po 😊

[@conradparizal6026]

Mam eligible po ba sa MRI kapag nag undergo ng Angioplasty procedure due to heart disease?

[@OwnPropertyPH]

Hello po, yung eligibility sa MRI ay depende po sa specific terms at conditions nung insurance policy kaya best to consult with the insurance agent po. Thank you 😊

[@eugene.lim.jumalon]

Hi mam, if natapos na po ang loan. Meron paba makuha ang barrower sa MIR?

[@OwnPropertyPH]

Hello, wala pong nakukuha gaya ng nabanggit ko po rito 😊

[@marilouusero1159]

Ibig sabihin mam kapag dumadagdag edad tumataas rin ang premium ng bayad sa mortgage?

[@OwnPropertyPH]

Opo, tumataas ang premium kasi tumataas din ang risk na mamatay ang borrower dahil more likely na mag-develop ng health problems kaya mas malaking posibilidad na mag-pay out yung insurance company sa policy. Yung mataas na premium ang tutumbas sa mas mataas na risk po 😊

[@jacojuane10]

What's the difference between the Primary or Contingent Revocable Beneficiary sa MRI?

[@OwnPropertyPH]

The primary beneficiary is basically the first person or entity who has a first claim to inherit the real property of the deceased. On the other hand, the contingent beneficiary is the next one who has a claim when the primary beneficiary is also deceased or has predeceased the insured 😊

[@josephramos7231]

Mam, I'm a neophyte real estate agent. I got lucky to have a transaction, my ice breaker, actually. I have this opportunity to ask for your advice because for me being a new comer in this business I felt that this transaction is an Acid Test to take for my ability to manage it. But I can not disclose anything publicly because the transaction is on going, may I will just do it through PM so that I won't worry anything leakages of infos publicly. Ty

[@watchwatchwatch5852]

magkaiba po ba yung Sales Redemption Insurance at Mortgage Redemption Insurance?

[@OwnPropertyPH]

Opo, magkaiba po kasi kung ang MRI ay para ma-protektahan yung interest ng lender kung sakaling namatay ang borrower, sa SRI po ay para naman ma-protektahan ang interest nung buyer kung sakaling hindi natapos ng real estate developer ang project 😊

[@jetsetteruk]

If I have cancer consider b ma payoff ang mortgage

[@hulyandabid1523]

Thank you!

[@milesjefalco]

Financial Advisor here #knowyoucan

[@vernsjimenez3844]

Hi I am From Sun Life. I do assist in your Sun Life Insurance application na pwede nyo po gamitin as MRI

[@erikdelapena3153]

Hello! If the Borrower dies, does the Insurance Company pay the Bank/Lender the whole amount directly, and relieve the heirs/successors of the payment obligation, or malilipat din sakanila yung balance na naiwan ni Borrower? Thank you very much in advance!

[@dep1912]

As per explanation ni mam. Kung may MRI ka, MRI na magbabayad ng balance ng utang mo pag kinuha ka ni papa G. Pero kung may life insurance ka at naassign mo ung lender na inutangan mo at accepted ng lender ang insurance company mo, pwede mabayaran ng insurance ang lender lahat ng balance mo. Ang cons lang neto kung isa lang life insurance mo, sa halip na meron matatanggap na pera maiiwan mo na pamilya or beneficiary, mapupunta lang ung pera sa lender kasi na assign mo sya sa lender para mabayaran ung utang mo.

[@OwnPropertyPH]

Hi, na-reiterate na ni DEP po yung nasabi ko sa video 😁 If the borrower avails MRI since he didn’t assign his life insurance, the MRI provider pays the bank the outstanding balance and the heirs/successors don’t assume the obligation 😊

[@randomcontent429]

​@@OwnPropertyPHMeaning pwede nang manirahan ang heirs/beneficiaries sa property na wala nang kailangan bayaran? As in kanila na automatic ang property pag nawala ang borrower?

[@juncasaclang7751]

Refundable or may cash back po ba ang binayad sa MRI kung di naman magagamit?

[@OwnPropertyPH]

Kapag hindi po nagamit dahil hindi naman po namatay ang borrower habang may home loan, hindi po refundable at walang cash back ang MRI

[@BertoTutorials]

Ganda mo a

[@OwnPropertyPH]

Ay 😅

[@dalencandole6735]

Hello ma'am maari po b tlaga balikan ka ng insurance ng bank ung mga unpaid mri mo for the past first fix term and now nagkarepricing n po o anniversary? Thanks po.