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									<p data-start="384" data-end="750"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Vous envisagez de vendre un bien immobilier aux Philippines et l&#8217;acheteur utilisera un prêt immobilier PAG-IBIG ? Les démarches administratives peuvent être intimidantes, surtout si vous devez gérer les frais de réservation, les acomptes et un prêt en cours de souscription. Ce guide vous propose une procédure pas à pas complète et claire, ainsi qu&#8217;un </span></span><strong data-start="671" data-end="723"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">exemple gratuit de contrat de vente PAG-IBIG (modèle Word</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> modifiable immédiatement).</span></span></p><p data-start="752" data-end="1336"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Nous vous expliquerons la fonction d&#8217;un </span></span><strong data-start="773" data-end="793"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">compromis de vente</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> (et en quoi il diffère d&#8217;un acte de vente irrévocable), pourquoi les prêteurs Pag-IBIG exigent souvent un </span></span><strong data-start="887" data-end="919"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">compromis de vente conditionnel</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> avant l&#8217;approbation du prêt, et quelles clauses ne doivent jamais être ignorées : description du bien, prix et échéancier de paiement, conditions de financement, livraison et transfert de propriété, répartition des taxes/frais, défaut/recours et notarisation. Vous trouverez également une liste de contrôle étape par étape, une FAQ sur la recherche vocale et des liens vers des ressources complémentaires (par exemple, les bases </span></span><strong data-start="1244" data-end="1268"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">des contrats immobiliers</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> sur Wikipédia) pour vous aider à déposer votre dossier en toute confiance, sans jargon juridique.</span></span></p><p data-start="752" data-end="1336"><img class="Sample contract to sell pag ibig – Word template for conditional sale and loan takeout. alignnone wp-image-9284 size-large" title="Sample contract to sell pag ibig – Word template for conditional sale and loan takeout." src="https://slidepp.net/wp-content/uploads/2025/09/Sample-contract-to-sell-pag-ibig-Word-template-683x1024.webp" alt="Contract to Sell template showing property details, price terms, and a Pag-IBIG financing clause." width="683" height="1024" /></p><hr data-start="1338" data-end="1341" /><h2 data-start="1343" data-end="1388"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Les bases : ce que couvre un contrat de vente</span></span></h2><h3 data-start="1390" data-end="1441"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Contrat de vente ou acte de vente absolue (H2)</span></span></h3><ul data-start="1442" data-end="1724"><li data-start="1442" data-end="1611"><p data-start="1444" data-end="1611"><strong data-start="1444" data-end="1470"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Contrat de vente (CTS)</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> : accord conditionnel prévoyant le transfert de propriété uniquement après paiement intégral ou souscription du prêt. Idéal pour les transactions </span></span><strong data-start="1570" data-end="1595"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">de prêts immobiliers Pag-IBIG</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> .</span></span></p></li><li data-start="1612" data-end="1724"><p data-start="1614" data-end="1724"><strong data-start="1614" data-end="1646"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Acte de vente absolue (DOAS)</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> : utilisé une fois le prix total payé et le titre peut être transféré immédiatement.</span></span></p></li></ul><p data-start="1726" data-end="1916"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Cette structure reflète la pratique standard </span></span><strong data-start="1759" data-end="1783"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">des contrats immobiliers</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> dans de nombreuses juridictions : les obligations, les conditions préalables et les livrables de clôture sont clairement définis pour éviter les litiges.</span></span></p><h3 data-start="1918" data-end="1966"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Pourquoi utiliser un contrat de vente conditionnel ? (H2)</span></span></h3><ul data-start="1967" data-end="2212"><li data-start="1967" data-end="2056"><p data-start="1969" data-end="2056"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Rend la vente </span></span><strong data-start="1984" data-end="1999"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">conditionnelle</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> à </span></span><strong data-start="2003" data-end="2028"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">l’approbation/au retrait du prêt</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , protégeant ainsi les deux parties.</span></span></p></li><li data-start="2057" data-end="2133"><p data-start="2059" data-end="2133"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Précise qui paie </span></span><strong data-start="2078" data-end="2096"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">les taxes et les frais</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> et quand </span></span><strong data-start="2106" data-end="2120"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">la possession</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> est transférée.</span></span></p></li><li data-start="2134" data-end="2212"><p data-start="2136" data-end="2212"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Fournit un </span></span><strong data-start="2147" data-end="2159"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">calendrier</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> pour les documents et une solution de secours en cas de refus de financement.</span></span></p></li></ul><hr data-start="2214" data-end="2217" /><h2 data-start="2219" data-end="2266"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Clauses clés que vous devez inclure (avec exemples)</span></span></h2><h3 data-start="2268" data-end="2303"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Parties et détails de la propriété (H2)</span></span></h3><p data-start="2304" data-end="2321"><strong data-start="2304" data-end="2321"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Inclure (H3) :</span></span></strong></p><ul data-start="2322" data-end="2553"><li data-start="2322" data-end="2384"><p data-start="2324" data-end="2384"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Noms légaux complets/adresses/identifiants du </span></span><strong data-start="2358" data-end="2368"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">vendeur</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> et </span></span><strong data-start="2373" data-end="2382"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">de l&#8217;acheteur</span></span></strong></p></li><li data-start="2385" data-end="2512"><p data-start="2387" data-end="2512"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Identifiants de la propriété : projet/lotissement, </span></span><strong data-start="2430" data-end="2450"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">unité/maison et lot</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , bloc/lot, superficie de l&#8217;étage/du lot, adresse, </span></span><strong data-start="2488" data-end="2510"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">numéro de titre/décret fiscal.</span></span></strong></p></li><li data-start="2513" data-end="2553"><p data-start="2515" data-end="2553"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Tous les équipements et emplacements de stationnement sont inclus</span></span></p></li></ul><p data-start="2555" data-end="2691"><strong data-start="2555" data-end="2567"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Exemple :</span></span></strong><br data-start="2567" data-end="2570" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> « Projet : </span></span><strong data-start="2580" data-end="2602"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Sunrise Residences</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , Unité </span></span><strong data-start="2609" data-end="2616"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">8-B</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , Superficie </span></span><strong data-start="2629" data-end="2639"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">42 m²</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , Adresse : </span></span><strong data-start="2650" data-end="2665"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Quezon City</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , Titre n° </span></span><strong data-start="2677" data-end="2689"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">T-123456</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> . »</span></span></p><h3 data-start="2693" data-end="2734"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Prix, réservation, acompte (H2)</span></span></h3><ul data-start="2735" data-end="2889"><li data-start="2735" data-end="2783"><p data-start="2737" data-end="2783"><strong data-start="2737" data-end="2761"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Prix ​​d&#8217;achat total</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> (en mots et en chiffres)</span></span></p></li><li data-start="2784" data-end="2845"><p data-start="2786" data-end="2845"><strong data-start="2786" data-end="2815"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Réservation/arrhes</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> et si elles sont remboursables</span></span></p></li><li data-start="2846" data-end="2889"><p data-start="2848" data-end="2889"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Montant/date </span><strong data-start="2848" data-end="2864"><span dir="auto" style="vertical-align: inherit;">de l&#8217;acompte et reçus</span></strong></span></p></li></ul><p data-start="2891" data-end="2951"><strong data-start="2891" data-end="2899"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Conseil :</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> inscrivez les dates limites dans le calendrier pour éviter toute ambiguïté.</span></span></p><h3 data-start="2953" data-end="2990"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Condition de financement Pag-IBIG (S2)</span></span></h3><ul data-start="2991" data-end="3289"><li data-start="2991" data-end="3068"><p data-start="2993" data-end="3068"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Indiquez que le contrat est un </span></span><strong data-start="3022" data-end="3065"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">contrat conditionnel de vente – Pag-IBIG</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> .</span></span></p></li><li data-start="3069" data-end="3171"><p data-start="3071" data-end="3171"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Identifier le </span></span><strong data-start="3084" data-end="3092"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">prêt</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> (prêt au logement Pag-IBIG) et soumettre sa finalisation </span></span><strong data-start="3137" data-end="3168"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">à l&#8217;approbation/au retrait</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> .</span></span></p></li><li data-start="3172" data-end="3289"><p data-start="3174" data-end="3289"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Ajoutez une clause de bonne foi si le prêt est </span></span><strong data-start="3213" data-end="3223"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">refusé</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> (nouvelle soumission/appel/financement alternatif/dénouement avec remboursements équitables).</span></span></p></li></ul><h3 data-start="3291" data-end="3340"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Livraison, transfert de propriété et possession (H2)</span></span></h3><ul data-start="3341" data-end="3526"><li data-start="3341" data-end="3392"><p data-start="3343" data-end="3392"><strong data-start="3343" data-end="3355"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Le chiffre d&#8217;affaires</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> intervient après le retrait/paiement intégral.</span></span></p></li><li data-start="3393" data-end="3459"><p data-start="3395" data-end="3459"><strong data-start="3395" data-end="3413"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Transfert de titre</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> et annotation de toute hypothèque à Pag-IBIG.</span></span></p></li><li data-start="3460" data-end="3526"><p data-start="3462" data-end="3526"><strong data-start="3462" data-end="3478"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Risque de perte</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> et responsabilité </span></span><strong data-start="3483" data-end="3496"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">de l&#8217;assurance</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> après la livraison.</span></span></p></li></ul><h3 data-start="3528" data-end="3567"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Taxes, frais et frais de clôture (H2)</span></span></h3><ul data-start="3568" data-end="3737"><li data-start="3568" data-end="3676"><p data-start="3570" data-end="3676"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Répartir </span></span><strong data-start="3579" data-end="3614"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">les plus-values/retenues à la source</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , </span></span><strong data-start="3616" data-end="3637"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">les timbres documentaires</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , les frais </span></span><strong data-start="3639" data-end="3668"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">de transfert et d&#8217;enregistrement</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> .</span></span></p></li><li data-start="3677" data-end="3737"><p data-start="3679" data-end="3737"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Clarifiez les dates limites </span></span><strong data-start="3687" data-end="3699"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">des cotisations HOA</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , des services publics et des arriérés.</span></span></p></li></ul><blockquote data-start="3739" data-end="4030"><p data-start="3741" data-end="4030"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Recherche vocale : </span></span><strong data-start="3755" data-end="3808"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">« Comment rédiger un contrat de vente pour Pag-IBIG ? »</span></span></strong><br data-start="3808" data-end="3811" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> Utilisez notre </span></span><strong data-start="3821" data-end="3873"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">exemple de contrat de vente pour Pag-IBIG (modèle Word)</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , ajoutez les parties/pièces d&#8217;identité, les détails de la propriété, les conditions de prix, les </span></span><strong data-start="3925" data-end="3948"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">conditions de financement</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , le chiffre d&#8217;affaires et le transfert de propriété, les taxes/frais, le défaut de paiement, la notarisation, puis signez et classez.</span></span></p></blockquote><hr data-start="4032" data-end="4035" /><h2 data-start="4037" data-end="4080"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Étape par étape : de l&#8217;offre à la souscription du prêt</span></span></h2><ol data-start="4082" data-end="5098"><li data-start="4082" data-end="4196"><p data-start="4085" data-end="4196"><strong data-start="4085" data-end="4106"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Téléchargez le fichier</span></span></strong><br data-start="4106" data-end="4109" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> Récupérez le fichier </span></span><strong data-start="4121" data-end="4155"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Word Contrat de vente PAG-IBIG</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> ci-dessous et ouvrez-le dans Word/Google Docs.</span></span></p></li><li data-start="4198" data-end="4336"><p data-start="4201" data-end="4336"><strong data-start="4201" data-end="4228"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Remplir les parties et la propriété.</span></span></strong><br data-start="4228" data-end="4231" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> Recopier les détails exacts du titre de propriété et de la déclaration fiscale. Revérifier l&#8217;unité/le bloc/le terrain et la superficie de l&#8217;étage/du terrain.</span></span></p></li><li data-start="4338" data-end="4472"><p data-start="4341" data-end="4472"><strong data-start="4341" data-end="4373"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Fixer le prix et le calendrier de paiement</span></span></strong><br data-start="4373" data-end="4376" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> Documenter les frais de réservation, l&#8217;acompte et le solde (via </span></span><strong data-start="4436" data-end="4470"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">le contrat de prêt immobilier Pag-IBIG</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> ).</span></span></p></li><li data-start="4474" data-end="4604"><p data-start="4477" data-end="4604"><strong data-start="4477" data-end="4508"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Insérer la clause de financement. </span></span></strong><span dir="auto" style="vertical-align: inherit;"><strong data-start="4530" data-end="4545"><span dir="auto" style="vertical-align: inherit;">Conditionner</span></strong></span><br data-start="4508" data-end="4511" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> l&#8217;achèvement </span><span dir="auto" style="vertical-align: inherit;">à l&#8217;approbation/au retrait du Pag-IBIG et aux exigences préalables au retrait.</span></span></p></li><li data-start="4606" data-end="4732"><p data-start="4609" data-end="4732"><strong data-start="4609" data-end="4637"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Livraison et titre des grandes lignes.</span></span></strong><br data-start="4637" data-end="4640" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> Chiffre d&#8217;affaires après retrait/paiement intégral ; coopération pour transférer le titre et annoter l&#8217;hypothèque.</span></span></p></li><li data-start="4734" data-end="4859"><p data-start="4737" data-end="4859"><strong data-start="4737" data-end="4760"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Répartir les taxes et frais.</span></span></strong><br data-start="4760" data-end="4763" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> Indiquer clairement qui paie quoi. Ajouter des échéances pour les reçus et les déclarations BIR/LGU, le cas échéant.</span></span></p></li><li data-start="4861" data-end="4975"><p data-start="4864" data-end="4975"><strong data-start="4864" data-end="4883"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Signer et notarier</span></span></strong><br data-start="4883" data-end="4886" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> La notarisation renforce l&#8217;applicabilité et est généralement requise pour les dépôts de propriété.</span></span></p></li><li data-start="4977" data-end="5098"><p data-start="4980" data-end="5098"><strong data-start="4980" data-end="5003"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Préparez votre dossier</span></span></strong><br data-start="5003" data-end="5006" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> CTS + pièces d&#8217;identité + justificatifs de paiement + formulaires Pag-IBIG. Conservez les scans </span></span><strong data-start="5062" data-end="5069"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">PDF</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> et les reçus officiels.</span></span></p></li></ol><hr data-start="5100" data-end="5103" /><h2 data-start="5105" data-end="5150"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Tableau comparatif rapide (téléchargeable)</span></span></h2><div class="_tableContainer_1rjym_1"><div class="group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse" tabindex="-1"><table class="w-fit min-w-(--thread-content-width)" data-start="5152" data-end="5754"><thead data-start="5152" data-end="5195"><tr data-start="5152" data-end="5195"><th data-start="5152" data-end="5162" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Section</span></span></th><th data-start="5162" data-end="5177" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Ce qu&#8217;il fait</span></span></th><th data-start="5177" data-end="5195" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Ce qu&#8217;il faut vérifier</span></span></th></tr></thead><tbody data-start="5210" data-end="5754"><tr data-start="5210" data-end="5273"><td data-start="5210" data-end="5226" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Parties et identifiants</span></span></td><td data-start="5226" data-end="5254" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Identifie le vendeur et l&#8217;acheteur</span></span></td><td data-start="5254" data-end="5273" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Les noms correspondent aux identifiants</span></span></td></tr><tr data-start="5274" data-end="5344"><td data-start="5274" data-end="5291" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Bloc de propriété</span></span></td><td data-start="5291" data-end="5318" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Lie l&#8217;unité/le lot exact</span></span></td><td data-start="5318" data-end="5344" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Numéros de titre/de déclaration fiscale</span></span></td></tr><tr data-start="5345" data-end="5419"><td data-start="5345" data-end="5364" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Prix ​​et paiements</span></span></td><td data-start="5364" data-end="5389" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Confirme la prise en compte</span></span></td><td data-start="5389" data-end="5419" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Montants en mots et en chiffres</span></span></td></tr><tr data-start="5420" data-end="5492"><td data-start="5420" data-end="5438" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Clause Pag-IBIG</span></span></td><td data-start="5438" data-end="5463" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Rend la vente conditionnelle</span></span></td><td data-start="5463" data-end="5492" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Calendrier d&#8217;approbation/d&#8217;enlèvement</span></span></td></tr><tr data-start="5493" data-end="5564"><td data-start="5493" data-end="5512" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Livraison et titre</span></span></td><td data-start="5512" data-end="5540" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Chiffre d&#8217;affaires, risque, assurance</span></span></td><td data-start="5540" data-end="5564" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Étapes du transfert de titre</span></span></td></tr><tr data-start="5565" data-end="5620"><td data-start="5565" data-end="5578" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Taxes/frais</span></span></td><td data-start="5578" data-end="5596" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Répartition des coûts</span></span></td><td data-start="5596" data-end="5620" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Reçus et délais</span></span></td></tr><tr data-start="5621" data-end="5691"><td data-start="5621" data-end="5640" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Défaut/recours</span></span></td><td data-start="5640" data-end="5666" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Et si quelque chose échoue</span></span></td><td data-start="5666" data-end="5691" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Limites de remboursement/pénalité</span></span></td></tr><tr data-start="5692" data-end="5754"><td data-start="5692" data-end="5707" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Notarisation</span></span></td><td data-start="5707" data-end="5731" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Authenticité des documents</span></span></td><td data-start="5731" data-end="5754" data-col-size="sm"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Bloc notarial approprié</span></span></td></tr></tbody></table></div></div><hr data-start="5756" data-end="5759" /><h2 data-start="5761" data-end="5792"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Exemple de formulation que vous pouvez adapter</span></span></h2><blockquote data-start="5794" data-end="6143"><p data-start="5796" data-end="6143"><strong data-start="5796" data-end="5821"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Financement conditionnel</span></span></strong><br data-start="5821" data-end="5824" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> : « Il s’agit d’un </span></span><strong data-start="5837" data-end="5880"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">contrat de vente conditionnel (PAG-IBIG)</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> . La réalisation est soumise à l’approbation et à la souscription du prêt immobilier PAG-IBIG de l’ACHETEUR. Si le prêt est refusé malgré le respect scrupuleux des conditions, les parties se concerteront pour soumettre à nouveau la vente, convenir d’un financement alternatif ou annuler la vente, sous réserve de frais raisonnables et documentés. »</span></span></p></blockquote><blockquote data-start="6145" data-end="6376"><p data-start="6147" data-end="6376"><strong data-start="6147" data-end="6167"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Livraison et titre</span></span></strong><br data-start="6167" data-end="6170" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> « Dès la souscription du prêt/paiement intégral et l&#8217;accomplissement des exigences, le VENDEUR doit livrer la possession et coopérer pour transférer le titre à l&#8217;ACHETEUR, y compris l&#8217;annotation de l&#8217;hypothèque PAG-IBIG comme l&#8217;exige la loi. »</span></span></p></blockquote><hr data-start="6378" data-end="6381" /><h2 data-start="6383" data-end="6423"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Télécharger : modèle Word modifiable gratuit</span></span></h2><ul data-start="6425" data-end="6762"><li data-start="6425" data-end="6762"><p data-start="6427" data-end="6762"><span class="" data-state="closed"><a class="cursor-pointer" data-start="6427" data-end="6537"><strong data-start="6428" data-end="6466"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Téléchargez le modèle Word (.docx).</span></span></strong></a></span><br data-start="6537" data-end="6540" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> Utilisez-le pour</span></span><strong data-start="6555" data-end="6600"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">le contrat de vente au format PAG-IBIG</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">ou convertissez-le</span></span><strong data-start="6618" data-end="6658"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">au format PDF</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">après signature. Vous pouvez également l&#8217;exporter</span></span><strong data-start="6697" data-end="6744"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">gratuitement au format PDF</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">pour vos archives.</span></span></p></li></ul><p><span style="font-size: 2em;"><b><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">ððð </span></span></span><a href="https://slidepp.net/wp-content/uploads/2025/09/313511398-Cont-ract-to-Se-ll-PA-G-IB-IG.doc" data-original-attrs="{";data-original-href";:";https://drive.google.com/uc?export=download&;id=1WiIfYekY0sHcJguEZQy0KvnPkSlx8HCA";,";target";:";_blank";}"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">[ðTélécharger]</span></span></span></a></b><span dir="auto" style="vertical-align: inherit;"> </span></span></p><hr data-start="6764" data-end="6767" /><h2 data-start="6769" data-end="6797"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">FAQ </span></span></h2><p data-start="6799" data-end="7066"><strong data-start="6799" data-end="6859"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Quelle est la différence entre une promesse de vente et un acte de vente ?</span></span></strong><br data-start="6859" data-end="6862" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> Une </span></span><strong data-start="6864" data-end="6884"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">promesse de vente</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> est conditionnelle (par exemple, en attendant la souscription d&#8217;un prêt). Un </span></span><strong data-start="6932" data-end="6957"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">acte de vente absolue</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> est signé une fois le paiement intégral effectué, pour un transfert de propriété immédiat. Pour plus de contexte, consultez les principes fondamentaux </span></span><strong data-start="7021" data-end="7045"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">des contrats immobiliers</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> .</span></span></p><p data-start="7068" data-end="7217"><strong data-start="7068" data-end="7115"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Puis-je utiliser cette option pour la prévente de copropriétés ?</span></span></strong><br data-start="7115" data-end="7118" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> Oui, il faut adapter le bloc immobilier et le calendrier de transfert. Conserver la clause Pag-IBIG et les conditions de transfert.</span></span></p><p data-start="7219" data-end="7368"><strong data-start="7219" data-end="7282"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Puis-je modifier le modèle pour les prêts bancaires au lieu de Pag-IBIG ?</span></span></strong><br data-start="7282" data-end="7285" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> Oui. Il suffit de remplacer les références du prêteur. Cette structure convient à la plupart des prêts hypothécaires.</span></span></p><p data-start="7370" data-end="7464"><strong data-start="7370" data-end="7397"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Ai-je besoin d&#8217;une notarisation ?</span></span></strong><br data-start="7397" data-end="7400" /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> Fortement recommandé pour les déclarations de propriété et les démarches auprès des prêteurs.</span></span></p><hr data-start="7466" data-end="7469" /><h2 data-start="7471" data-end="7500"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Lectures de fond utiles</span></span></h2><ul data-start="7502" data-end="7734"><li data-start="7502" data-end="7574"><p data-start="7504" data-end="7574"><strong data-start="7504" data-end="7528"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Contrat immobilier</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> — éléments, conditions suspensives, clôture.</span></span></p></li><li data-start="7575" data-end="7645"><p data-start="7577" data-end="7645"><strong data-start="7577" data-end="7589"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Hypothèque</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> — privilèges, sûretés et implications en matière de titre.</span></span></p></li><li data-start="7646" data-end="7734"><p data-start="7648" data-end="7734"><strong data-start="7648" data-end="7672"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Fonds Pag-IBIG (HDMF)</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> — aperçu du programme de financement du logement soutenu par le gouvernement.</span></span></p></li></ul><blockquote data-start="7736" data-end="7823"><p data-start="7738" data-end="7823"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Remarque : les politiques changent ; suivez toujours les dernières directives du Pag-IBIG et du registre local.</span></span></p></blockquote><hr data-start="7825" data-end="7828" /><h2 data-start="7830" data-end="7857"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Conseils de pro pour éviter les retards</span></span></h2><ul data-start="7859" data-end="8181"><li data-start="7859" data-end="7921"><p data-start="7861" data-end="7921"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Utilisez </span></span><strong data-start="7865" data-end="7883"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">les dates du calendrier</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> (et non « dans les 30 jours ») pour plus de clarté.</span></span></p></li><li data-start="7922" data-end="7978"><p data-start="7924" data-end="7978"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Conservez </span></span><strong data-start="7929" data-end="7949"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">les reçus de paiement</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> et répertoriez-les dans une annexe.</span></span></p></li><li data-start="7979" data-end="8039"><p data-start="7981" data-end="8039"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Confirmez </span></span><strong data-start="7989" data-end="8003"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">les taxes/frais</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> (BIR/LGU) et qui assume chacun d&#8217;eux.</span></span></p></li><li data-start="8040" data-end="8112"><p data-start="8042" data-end="8112"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Envoyez une </span></span><strong data-start="8049" data-end="8070"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">liste de contrôle de clôture</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> à toutes les parties une semaine avant le retrait.</span></span></p></li><li data-start="8113" data-end="8181"><p data-start="8115" data-end="8181"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Conservez un </span></span><strong data-start="8122" data-end="8136"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">classeur PDF</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> contenant les CTS, les identifiants, les paiements et les formulaires Pag-IBIG.</span></span></p></li></ul><hr data-start="8183" data-end="8186" /><h2 data-start="8188" data-end="8201"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Conclusion</span></span></h2><p data-start="8203" data-end="8578"><strong data-start="8218" data-end="8270"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Un modèle de contrat de vente Pag-IBIG</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> bien rédigé (modèle Word) </span><span dir="auto" style="vertical-align: inherit;">garantit la vente, de l&#8217;offre à la souscription du prêt. Commencez par préciser les détails du bien et les conditions de prix, conditionnez le contrat </span></span><strong data-start="8391" data-end="8406"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">à</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> l&#8217; approbation </span></span><strong data-start="8410" data-end="8422"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">du Pag-IBIG</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , définissez les étapes de livraison et de transfert de propriété, répartissez les taxes et frais, et incluez des clauses pratiques concernant les défauts et les recours. Faites certifier le bien par un notaire et conservez des copies numérisées.</span></span></p><p data-start="8580" data-end="9000"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Prêt à finaliser vos démarches administratives ? </span></span><strong data-start="8614" data-end="8644"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">​​Téléchargez le modèle Word</span></span></strong><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;"> , personnalisez-le en quelques minutes et suivez la liste de contrôle ci-dessus. Si votre dossier implique des dispositions particulières (vendeurs multiples, titres de succession ou structures de paiement inhabituelles), demandez à un professionnel agréé de le vérifier avant de signer. Partagez ce guide avec les autres acheteurs et vendeurs qui envisagent de recourir à un prêt immobilier Pag-IBIG : des contrats clairs évitent les mauvaises surprises.</span></span></p><div class="host-lopnbnfpjmgpbppclhclehhgafnifija" style="position: relative; z-index: 2147483647;"> </div><div class="host-lopnbnfpjmgpbppclhclehhgafnifija" style="position: relative; z-index: 2147483647;"> </div><div class="host-lopnbnfpjmgpbppclhclehhgafnifija" style="position: relative; z-index: 2147483647;"> </div><div class="host-lopnbnfpjmgpbppclhclehhgafnifija" style="position: relative; z-index: 2147483647;"> </div>								</div>
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Sample contract to sell pag ibig – Word template

