Maaaring ipagpatuloy ang pagbabayad sa outstanding loan ng ina na bed-ridden

ni Atty. Persida Rueda-Acosta - @Magtanong Kay Attorney | June 25, 2021

Dear Chief Acosta,

Kasalukuyang bed-ridden ang aking ina dahil sa malubhang karamdaman. Maaari ba na ako, bilang anak, ang magpatuloy sa pagbabayad sa kanyang biniling socialized and low cost housing? – Marites

Dear Marites,

Para sa inyong kaalaman, ang “Implementing Rules and Regulations for Housing Loan Restructuring and Condonation of Penalties Under R. A. 9507” o ang “Socialized and Low Cost Housing Loan Restructuring and Condonation Program” ay naaangkop sa inyong sitwasyon. Ayon sa nasabing Rules:

“Section 7. ACCOUNTS OF BORROWERS WHO BECOME PERMANENTLY PHYSICALLY INCAPACITATED

In case of permanent physical incapacity of a borrower, his/her legal heirs and successor-in-interest may assume payment of his/her outstanding housing loan. Such legal heirs and successors-in-interest must pass the HGC’s eligibility requirement before they are allowed to assume payment of the borrower’s loan obligation. In case of death of the borrower, the proceeds of the Mortgage Redemption Insurance (MRI) shall be fully applied. Any remaining balance shall be amortized by the legal heirs or successor-in-interest” (binigyang-diin).

Sang-ayon sa nabanggit, bilang anak, maaari ninyong ipagpatuloy ang pagbabayad sa outstanding loan ng inyong ina kung inyong maipapasa ang eligibility requirements ng Home Guaranty Corporation (HGC).

Sana ay nabigyan namin ng linaw ang inyong katanungan. Ang payong aming ibinigay ay base lamang sa impormasyon na inyong inilahad at maaaring magbago kung mababawasan o madaragdagan ang mga detalye ng inyong salaysay.

Maraming salamat sa inyong patuloy na pagtitiwala.