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                    [ArticleID] => 1985078
                    [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] => 
                )

            [1] => Array
                (
                    [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
                    [SectionUrl] => business
                    [URL] => http://media.philstar.com/images/the-philippine-star/lifestyle/health-and-family/20160921/basic-housing-loans-600.jpg
                )

            [2] => Array
                (
                    [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
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [3] => Array
                (
                    [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
                    [ColumnID] => 133272
                    [Focus] => 0
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Banking
                    [SectionUrl] => banking
                    [URL] => 
                )

            [4] => Array
                (
                    [ArticleID] => 757925
                    [Title] => Blanket authority
                    [Summary] => 
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
                    [ColumnID] => 133340
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [5] => Array
                (
                    [ArticleID] => 723457
                    [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] => 
                )

            [6] => Array
                (
                    [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] => 
                )

            [7] => Array
                (
                    [ArticleID] => 696511
                    [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
                    [SectionUrl] => real-estate
                    [URL] => 
                )

            [8] => Array
                (
                    [ArticleID] => 680152
                    [Title] => BFS attracts young professionals to program
                    [Summary] => 
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] => 
                )

            [9] => Array
                (
                    [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] => 
                )

        )

)

Mortgage

Array
(
    [results] => Array
        (
            [0] => Array
                (
                    [ArticleID] => 1985078
                    [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] => 
                )

            [1] => Array
                (
                    [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
                    [SectionUrl] => business
                    [URL] => http://media.philstar.com/images/the-philippine-star/lifestyle/health-and-family/20160921/basic-housing-loans-600.jpg
                )

            [2] => Array
                (
                    [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
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [3] => Array
                (
                    [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
                    [ColumnID] => 133272
                    [Focus] => 0
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Banking
                    [SectionUrl] => banking
                    [URL] => 
                )

            [4] => Array
                (
                    [ArticleID] => 757925
                    [Title] => Blanket authority
                    [Summary] => 
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
                    [ColumnID] => 133340
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [5] => Array
                (
                    [ArticleID] => 723457
                    [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] => 
                )

            [6] => Array
                (
                    [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] => 
                )

            [7] => Array
                (
                    [ArticleID] => 696511
                    [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
                    [SectionUrl] => real-estate
                    [URL] => 
                )

            [8] => Array
                (
                    [ArticleID] => 680152
                    [Title] => BFS attracts young professionals to program
                    [Summary] => 
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] => 
                )

            [9] => Array
                (
                    [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] => 
                )

        )

)

abtest