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                    [Title] => Online mortgage broker platform launches in Philippines
                    [Summary] => Mortgage broker Nook yesterday launched its online platform, which seeks to provide a seamless loan application process for Filipinos looking to purchase housing units.
                    [DatePublished] => 2020-01-16 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1804771
                    [AuthorName] => Mary Grace Padin
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => 
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                    [ArticleID] => 1626305
                    [Title] => Basic things about housing loans you need to know
                    [Summary] => 
To give you an idea of how housing loans work, here’s an infographic to guide you through some basic concepts you’ll encounter as you try to get your home purchase financed.

                    [DatePublished] => 2016-09-22 12:01:00
                    [ColumnID] => 0
                    [Focus] => 0
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                    [SectionName] => Business
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                    [URL] => http://media.philstar.com/images/the-philippine-star/lifestyle/health-and-family/20160921/basic-housing-loans-600.jpg
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                    [ArticleID] => 950353
                    [Title] => Comprehensive
                    [Summary] => 
Can a property mortgaged as collateral for the loan of a borrower from a bank be foreclosed for the other unpaid obligation of the said borrower from the same bank? This is the issue raised and answered in this case of a manufacturer and exporter of fuel products (EII).

                    [DatePublished] => 2013-06-05 00:00:00
                    [ColumnID] => 133342
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
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                    [Title] => NHMFC gets Aa credit rating
                    [Summary] => 
 The National Home Mortgage Finance Corp.’s (NHMFC) second series of residential mortgage-backed securities (RMBS) has obtained a final credit rating of PRS Aa for both P300-million class A senior notes and P120-million class B senior notes.
                    [DatePublished] => 2012-08-28 00:00:00
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                    [SectionUrl] => banking
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                    [Title] => Blanket authority
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It is a common practice among banking institutions to incorporate in the Real Estate Mortgage (REM) Contract signed by their borrowers-mortgagors, a clause providing that the property mortgaged secures not only the loan or credit accommodation obtained by the borrower but also those that the bank may “hereafter extend to said borrower-mortgagor including interests and expenses or any other obligation” owing to the bank.
                    [DatePublished] => 2011-12-14 00:00:00
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                    [AuthorName] => Jose C. Sison
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                    [Title] => US gov't sues big banks over subprime bonds
                    [Summary] => 
The government on Friday sued 17 financial firms, including the largest US banks, for selling Fannie Mae and Freddie Mac billions of dollars worth of mortgage-backed securities that turned toxic when the housing market collapsed.
                    [DatePublished] => 2011-09-05 00:00:00
                    [ColumnID] => 133272
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                    [SectionName] => Business
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                    [Title] => Personal liability
                    [Summary] => 
One of the practices used in obtaining a loan from a bank is for the borrower to appoint another person as his or her attorney-in-fact or agent in negotiating for and getting the loan.
                    [DatePublished] => 2011-06-30 00:00:00
                    [ColumnID] => 133340
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
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                    [Title] => BFS nears the 20,000 resolution mark
                    [Summary] => 
BFS helps move the country forward by providing hope and homes to Balikatan borrowers. It has enabled nearly 20,000 borrowers to become legitimate homeowners as of 2011.
                    [DatePublished] => 2011-06-17 00:00:00
                    [ColumnID] => 133272
                    [Focus] => 0
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                    [SectionName] => Real Estate
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                    [Title] => BFS attracts young professionals to program
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Launched in 2006, BFS continues to grow in leaps and bounds.
                    [DatePublished] => 2011-04-29 00:00:00
                    [ColumnID] => 133272
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                    [Title] => Goldman Sachs charged with fraud
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The government has accused Goldman Sachs & Co. of defrauding investors by failing to disclose conflicts of interest in mortgage investments it sold as the housing market was faltering.
                    [DatePublished] => 2010-04-18 00:00:00
                    [ColumnID] => 133272
                    [Focus] => 0
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                    [AuthorName] => 
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => 
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Mortgage

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                    [Title] => Online mortgage broker platform launches in Philippines
                    [Summary] => Mortgage broker Nook yesterday launched its online platform, which seeks to provide a seamless loan application process for Filipinos looking to purchase housing units.
                    [DatePublished] => 2020-01-16 00:00:00
                    [ColumnID] => 0
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                    [AuthorName] => Mary Grace Padin
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                    [ArticleID] => 1626305
                    [Title] => Basic things about housing loans you need to know
                    [Summary] => 
To give you an idea of how housing loans work, here’s an infographic to guide you through some basic concepts you’ll encounter as you try to get your home purchase financed.

                    [DatePublished] => 2016-09-22 12:01:00
                    [ColumnID] => 0
                    [Focus] => 0
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Business
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                    [ArticleID] => 950353
                    [Title] => Comprehensive
                    [Summary] => 
Can a property mortgaged as collateral for the loan of a borrower from a bank be foreclosed for the other unpaid obligation of the said borrower from the same bank? This is the issue raised and answered in this case of a manufacturer and exporter of fuel products (EII).

                    [DatePublished] => 2013-06-05 00:00:00
                    [ColumnID] => 133342
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
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                    [URL] => 
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                    [ArticleID] => 842672
                    [Title] => NHMFC gets Aa credit rating
                    [Summary] => 
 The National Home Mortgage Finance Corp.’s (NHMFC) second series of residential mortgage-backed securities (RMBS) has obtained a final credit rating of PRS Aa for both P300-million class A senior notes and P120-million class B senior notes.
                    [DatePublished] => 2012-08-28 00:00:00
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                    [SectionName] => Banking
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                    [URL] => 
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                    [Title] => Blanket authority
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It is a common practice among banking institutions to incorporate in the Real Estate Mortgage (REM) Contract signed by their borrowers-mortgagors, a clause providing that the property mortgaged secures not only the loan or credit accommodation obtained by the borrower but also those that the bank may “hereafter extend to said borrower-mortgagor including interests and expenses or any other obligation” owing to the bank.
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                    [ColumnID] => 133340
                    [Focus] => 0
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                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
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                    [Title] => US gov't sues big banks over subprime bonds
                    [Summary] => 
The government on Friday sued 17 financial firms, including the largest US banks, for selling Fannie Mae and Freddie Mac billions of dollars worth of mortgage-backed securities that turned toxic when the housing market collapsed.
                    [DatePublished] => 2011-09-05 00:00:00
                    [ColumnID] => 133272
                    [Focus] => 0
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => 
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                    [ArticleID] => 700873
                    [Title] => Personal liability
                    [Summary] => 
One of the practices used in obtaining a loan from a bank is for the borrower to appoint another person as his or her attorney-in-fact or agent in negotiating for and getting the loan.
                    [DatePublished] => 2011-06-30 00:00:00
                    [ColumnID] => 133340
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
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                    [Title] => BFS nears the 20,000 resolution mark
                    [Summary] => 
BFS helps move the country forward by providing hope and homes to Balikatan borrowers. It has enabled nearly 20,000 borrowers to become legitimate homeowners as of 2011.
                    [DatePublished] => 2011-06-17 00:00:00
                    [ColumnID] => 133272
                    [Focus] => 0
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Real Estate
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                    [URL] => 
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                    [Title] => BFS attracts young professionals to program
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Launched in 2006, BFS continues to grow in leaps and bounds.
                    [DatePublished] => 2011-04-29 00:00:00
                    [ColumnID] => 133272
                    [Focus] => 0
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Real Estate
                    [SectionUrl] => real-estate
                    [URL] => 
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                    [ArticleID] => 567039
                    [Title] => Goldman Sachs charged with fraud
                    [Summary] => 
The government has accused Goldman Sachs & Co. of defrauding investors by failing to disclose conflicts of interest in mortgage investments it sold as the housing market was faltering.
                    [DatePublished] => 2010-04-18 00:00:00
                    [ColumnID] => 133272
                    [Focus] => 0
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => 
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abtest

Online mortgage broker platform launches in Philippines

By Mary Grace Padin | January 16, 2020 - 12:00am

Mortgage broker Nook yesterday launched its online platform, which seeks to provide a seamless loan application process for Filipinos looking to purchase housing units.

Business

Basic things about housing loans you need to know

September 22, 2016 - 12:01pm

To give you an idea of how housing loans work, here’s an infographic to guide you through some basic concepts you’ll...

Business

Comprehensive

By Jose C. Sison | June 5, 2013 - 12:00am

Can a property mortgaged as collateral for the loan of a borrower from a bank be foreclosed for the other unpaid obligation of the said borrower from the same bank? This is the issue raised and answered in this case...

Opinion

NHMFC gets Aa credit rating

August 28, 2012 - 12:00am

 The National Home Mortgage Finance Corp.’s (NHMFC) second series of residential mortgage-backed securities (RMBS) has obtained a final credit rating of PRS Aa for both P300-million class A senior notes...

Banking

Blanket authority

By A LAW EACH DAY (KEEPS TROUBLE AWAY) | By Jose C. Sison | December 14, 2011 - 12:00am

It is a common practice among banking institutions to incorporate in the Real Estate Mortgage (REM) Contract signed by their borrowers-mortgagors, a clause providing that the property mortgaged secures not only the...

Opinion

US gov't sues big banks over subprime bonds

September 5, 2011 - 12:00am

The government on Friday sued 17 financial firms, including the largest US banks, for selling Fannie Mae and Freddie Mac billions of dollars worth of mortgage-backed securities that turned toxic when the housing...

Business

Personal liability

By A LAW EACH DAY (KEEPS TROUBLE AWAY) | By Jose C. Sison | June 30, 2011 - 12:00am

One of the practices used in obtaining a loan from a bank is for the borrower to appoint another person as his or her attorney-in-fact or agent in negotiating for and getting the loan.

Opinion

BFS nears the 20,000 resolution mark

June 17, 2011 - 12:00am

BFS helps move the country forward by providing hope and homes to Balikatan borrowers. It has enabled nearly 20,000 borrowers to become legitimate homeowners as of 2011.

Real Estate

BFS attracts young professionals to program

April 29, 2011 - 12:00am

Launched in 2006, BFS continues to grow in leaps and bounds.

Real Estate

Goldman Sachs charged with fraud

April 18, 2010 - 12:00am

The government has accused Goldman Sachs & Co. of defrauding investors by failing to disclose conflicts of interest in mortgage investments it sold as the housing market was faltering.

Business