Who is Entitled for Pag-ibig Housing Loan?

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eligible Pag-ibig loanThere are Filipinos that still renting to apartment or staying with their parents even though they are married and have children. So it is time to build their house with the help of Pag-ibig. Just make sure that you are eligible for housing loan.
The following are the eligibility requirement for  Pag-ibig housing loan.

 
Eligibility Requirements

To qualify for a Pag-IBIG housing loan, a member shall satisfy the following requirements:

1.    On Pag-IBIG Membership

  • Must be a member under the Pag-IBIG I, Pag-IBIG II or Pag-IBIG Overseas Program (POP) for at least twenty-four (24) months, as evidenced by the remittance of at least 24 monthly contributions at the time of loan application.
  • A member with less than the required number of contributions applying for a Pag-IBIG housing loan shall be allowed to make lump sum payment based on the mandatory monthly membership contribution rates (both EE and ER share) to meet the said requirement at point of loan application provided he has been a contributing member of the Fund for at least twelve (12) months. Lump sum payment of membership contributions shall be considered a single contribution for the applicable month as of the payment date.
  •  A member whose loan exceeds P500,000.00 shall be required to pay the upgraded membership contribution rates upon housing loan approval and onwards.
  • A member who has contributed for at least two (2) years and whose loans exceed P500,000.00 shall be required to pay the upgraded contribution rates upon housing loan approval and onwards.For purposes of satisfying the required two (2) years membership contributions, the member may opt to pay in lump sum any amount short of the said requirement. In addition, the period corresponding to the TAV applied earlier to an outstanding loan shall also be considered when counting the total number of monthly contributions, provided the remaining TAV after offsetting does not fall below the equivalent amount of two (2) years membership contributions.

2.    Not more than sixty-five (65) years old at the date of loan application and must be insurable; provided further that he is not more than seventy (70) years old at loan maturity;

3.    Has the legal capacity to acquire and encumber real property;

4.    Has passed satisfactory background/credit and employment/business checks of the Pag-IBIG Fund;

5.    Has no outstanding Pag-IBIG housing loan, either as a principal borrower or co-borrower;
However, should a co-borrower in a tacked loan signify an intention to avail of a Pag-IBIG housing loan for himself, he shall be allowed to do so provided the tacked loan is updated and the amount proportionate to his loan entitlement has been fully paid. Hence, the co-borrower shall be released from the original obligation and shall be allowed to avail of his own Pag-IBIG housing loan, subject to standard evaluation procedures.

6.    Had no Pag-IBIG housing loan that was foreclosed, cancelled, bought back due to default, or subjected to dacion en pago, which shall include cases where the borrower is no longer interested to pursue the loan and surrenders the property;

7.    Has no outstanding Pag-IBIG multi-purpose loan in arrears at the time of loan application. A member whose multi-purpose loan is in arrears shall be required to pay his arrearages over the counter to update his account.

Source: http://www.pagibigfund.gov.ph

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Mistakes in Building a House

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mistake in building a houseBuilding your dream house is a complex decision to make. It entails a lot of planning so that you may avoid some mistake during construction. So it is very important to seek advice to those are already have experience or from the expert or professional such as architect or engineer. But of course, you to choose a right person depending to their reputation. Remember some mistake can be very costly.

Here are common mistakes in building a house.

 
1.    Unrealistic budget

When it comes to building a house, a huge amount of money is needed for the materials, construction services, and documents processing such as building permit, electrical permit, etc.  To establish the necessary budget, you should know the exact materials to be used in your house so that you can estimate the cost of materials to be used. Also, you should know the cost of services including masonry works, electrical works, and plumbing, roofing services, trussing and carpentry and among others.

2.    Working with cheap contractor.

Offering a cheap cost can be suspicious because it is possible that the contractor has not enough experience, not qualified, no license to do the work.  It is better to do some research about the contractor so that you may choose the right contractor for your home. Choose the best contractor for your dream house.

3.    Using poor construction materials.      

Choosing a cheap material with poor quality is definitely a wrong decision. Your supplier may offer several options with a wide ranges of prices.  Always remember that quality is very important for your future home.

4.    Wrong location for your house

Choosing the right location can be difficult sometimes and it can be a difficult task. So before purchasing any lot for your dream house, you should investigate the place. Know the advantages of living in the area.

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What are the Documents Needed for Pag-ibig Housing Loan?

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The following are the documents needed in order to process your Pag-ibig housing loan application:

1.    Housing Loan Application with recent ID photos of borrower

2.    Membership Status Verification SlipPag-ibig housing loan

3.    Proof of Income

3.1 For Locally Employed, any of the following:
a.    Notarized Certificate of Employment and Compensation (Pag-IBIG format)
b.    Notarized Certificate of Employment and Compensation (Employer’s format) and latest one (1) month payslip
c.    Income Tax Return/Certificate of Tax Withheld (BIR Form No. 2316) and latest one (1) month payslip

3.2 For Self-Employed/Other Sources of Income
d.    ITR, Audited Financial Statements and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit
e.    Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months)
f.    Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances, pensions, etc.)
g.    Copy of Lease Contract and Tax Declaration (if income is derived from rental payments)
h.    Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for other Public Utility Vehicle or PUVs)
i.    Certificate of Engagement issued by owner of business
j.    Other document that would validate source of income

3.3 For Overseas Filipino Workers (OFWs), any of the following:
k.    Employment Contract (with English translation if in foreign language)
l.    Original Employer’s Certificate of Income (with English translation if in foreign language). If document submitted is photocopy, it shall be duly validated and certified/initialed by HDMF Information Officer assigned in the country where the member works
m.    Other Proofs of Income, whether original or photocopy, shall be duly validated and certified/initialed by HDMF Information Officer assigned in the country where the member works

4.    Photocopy (back-to-back) of one (1) valid ID of Principal Borrower and Spouse, Co-Borrower and Spouse, and Attorney-In-Fact, if applicable. The same ID must be presented during the conduct of borrower’s validation.

5.     Authorization to Conduct/Credit Background Investigation

6.    For OFW members, Special Power of Attorney notarized prior to date of departure or duly certified and authenticated by the Philippine Embassy or Consulate in the country where the member is staying, if abroad

7.    Insurance Coverage
a.    Health Statement Form (Medical Questionnaire)
    OFW members over 60 years old
    Loans over P2.0 M to P3.0 M and for borrowers aged up to 60 years old
b.    Health Statement Form (Medical Questionnaire) and Full Medical Examination
    Borrowers over 60 years old

8.    Marriage Contract (For all married borrower/s, co-borrower/s, spouse, family member/s included on the computation of aggregate income)

9.    Birth Certificate or any proof of relationship, if with co-borrower/s or family member/s included on the computation of aggregate income
The Pro-forma Health Statement Form (Medical Questionnaire) is available at the Members Services Support Division-Servicing Department for NCR or at any Pag-IBIG Regional Branch or downloadable from the Pag-IBIG website, www.pagibigfund.gov.ph.

Bungalow and its Advantages

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bungalow sampleAccording to Investopedia,  bungalow is a single-storey house, cottage or cabin. It is generally small in terms of square footage but you can see also large bungalows. It is originally designed to provide affordable and convenient housing.
Some Filipinos dream to build a two-storey house than bungalow because they are afraid of flood during rainy season. But there are still advantages of living in bungalow. If you are thinking of floods, your bungalow should be elevated to prevent flooding inside your bungalow house.

Here are some advantages of bungalow

–    Affordable

Maintaining a bungalow house is affordable since there is low maintenance. Also, building a bungalow house is much cheaper than 2-storey house.

–    Flexibility

Bungalow is not restrictive in terms of modification.  Adding an extension is possible as long as there is available space and also it can convert your bungalow house into two-storey property.

–    Accessibility

Since a bungalow is a single storey layout, it easy to move to one area to another.

Both bungalow and two-storey house have their own set of advantages and disadvantages, it is really a matter of price to know your final decision in terms of building your own house.  The price of bungalow house will depend on how large the home is and what features it offers.

Lighting ideas for your Home

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lighting controlToday, many are houses uses lights as part of their interior designs. Architects and interior designed have been using lights in their plans and designs. Lights play a role in creating enjoyable and comfortable home. When good light position is properly applied, it will create a good ambiance inside your home from living room to kitchen, bedroom to comfort room. Red and orange colors will increase the cheerfulness and warmth of the room

There are variety of choices used for lighting such as LED lights, lamps, overhead lights, chandeliers, accent lights, and many more. Using these type of lights, you can set the scene for any style you want.

Lighting is use to entertain your friends, visitors and loved-ones. Bright color will create a cheerful mode and inspire activity and alertness. People do not want to sit in bright and direct light so your lighting should be focused on walls and points of interest. You can use light to accent a piece of artwork or interesting design element of your home. It is a great opportunity to welcome guests. You can show off artwork and architecture by accenting it with direct light. Lighting is very effective if it’s not overdone.

It is also a good idea to have lighting control in your home to set what mood or scene you want. Using control, you can customized lighting scenes for every room in the house. From party lighting to romantic dinner is as easy as a press of a button.

How to Choose and Buy Granite Floor Tiles

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granite qualityIn today’s modern times, granite is used in flooring, kitchen countertops, as well in bathroom and wall design because it gives a pleasant look, elegant settings as well as durability. Granite is widely used for interiors and exteriors of a house since it is not too expensive and can minimize the cost of the installation.

The following are some checklist to choose a best granite for your home:

•    Quality

It is very important to check the quality of granite you are planning to install. You can check the thickness of the granite. . It is also necessary to check the brand and manufacturer of the granite to ensure that they are making high quality granite.

•    Granite porosity and absorbency

Granite is made of different types of spectrum of absorbency from one another. Absorbency will know if the granite color will fade after frequent use or if the granite will be long lasting or not.

•    Color

Choose a stylish and bright colors that suit the color of the walls to look effective and gets the attention of your friends and visitors.  Granite comes in many colors and designs.

•    Shape, size and patterns

Granite is available on different sizes, shapes and patterns that suits to your needs.

•    Granite finishes

Decide what type of finish fits to your flooring.  These finishes includes famed, honed and polished.

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Checklist Before Buying a Land

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land buying tipsBuying a land is a large investment so it is important to verify the land before proceeding to the payment of the land to ensure that that land you are buying is legal most specially if you are buying a single property from individual.

Here are some tips before buying a land:

  1. Ensure that the land you are planning to buy have title.
  2. Verify if the Transfer Certificate of Title is authenticated by getting Certified True Copy of the title from the Register of Deeds. You can ask the seller for a photocopy of the title because you will need the title number and the name of owner to get a certified true copy of the title from the Register of Deeds.
  3. Make sure that the title is clean. The title should not be mortgaged (no liens and encumbrances on the property). Just look at the back of the title with the heading “Encumbrances”. It should be empty if you are told that the title is clean.
  4. Check carefully if the land described on the title is really the land that you are buying. You can validate this at the Register of Deeds or by hiring a private land surveyor or a geodetic engineer to confirm that the actual property matches the technical description on the Transfer Certificate of Title.
  5.  Ensure that the yearly real estate taxes are paid. Request for a copy of the Tax Declaration and Tax Receipts to confirm that real estate tax payments are up to date.
  6. Verify that the seller are the real owners of the land you are buying. You can request for identification cards such as passport, driver’s license or talk to their neighbors to confirm the identity of the seller as well as some history of the property.

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House Technical Specification

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Proposed Technical Specification

Technical Specification for Proposed One-Storey Residential Structure  

Project Proposal: Proposed One-Storey Residential Structure
Address: Santis Subdivision, Santana Abucay, Bataan
Owner: Engr. JC Mer Herrera
Subject: Technical Specifications

house technical specs

General Requirements

A.  The work to be executed shall be done in accordance with the accompanying plans and specifications

B.    All works to be done shall be in the best quality of workmanship under the supervision of an Architect or a Civil Engineer

C.    The construction shall conform to all the requirements of the National Building Code, as well as the local rules and regulations of the City or Municipality

D.    Scope of Works

I.    Site Preparation
II.    Excavation
III.    Backfilling
IV.    Concrete of Works
V.    Proportioning of Concrete
VI.    Forms and scaffoldings
VII.    Concrete Slab Floors on Fill
VIII.    Steel Reinforcing Bars
IX.    Masonry
X.    Finishes
XI.    Floor Finishes
XII.    Tile Wall and Floor Finishes
XIII.    Carpentry and Lumber
XIV.    Roofing
XV.    Doors and Windows
XVI.    Electrical Works
XVII.    Plumbing Works
XVIII.    Metal
XIX.    Painting

I. Site Preparation

The building site shall be leveled according to the plans and cleared of rubbish, roots and other perishable and objectionable matters to a suitable sub-grade.

All such unsuitable materials shall be removed from the building site and spread uniformly over the areas adjacent the proposed building, or otherwise disposed off as may be directed by the Architect or the Engineer in charge of the construction.

The contractor shall make the necessary temporary facilities such as the bodega and comfort room.  This section also includes temporary connections of electrical and plumbing utilities.

Existing walls will not be demolished, instead will be used and reinforced as wall partition at Ground Level.

II. Excavation

All excavations shall be made to grade indicated in the drawings, where the building site is covered with any kind of fill, the excavation for footings should be made deeper until the stratum for safe bearing capacity of the soil reached.

Whenever water is encountered in the excavation process, it shall be removed by bailing or pumping, care being taken that the surrounding soil particles are not disturbed or removed.

III. Backfilling    

After concrete for foundations reached the curing period to withstand pressure resulting from fills, the materials removed from excavations shall be used for backfills around them.
Backfills shall be placed in layers not exceeding 150mm in thickness, and each layer shall be thoroughly compacted wetting, tamping and rolling.

IV. Concrete Works

All concrete shall be mixed thoroughly until there is a uniform distribution of the cement and aggregates, and should be deposited as nearly as practicable in its final position, care being taken to avoid segregation of the aggregates.

Water to be used for mixing concrete shall be clean and free from injurious amount of oil, acids, alkalis, salts, and other organic materials.

All reinforced concrete columns, beams, and slabs shall be according to design as shown on plan.
Materials, Portland cement ASTM C 150, Type I, Sand ASTM C 897

V. Proportioning of Concrete

All concrete works shall be done in accordance with the standard specifications for plain and reinforced concrete as adopted by the Government.  Cement to be used shall be HOLCIM Portland Cement or equivalent.

The following proportions of concrete mixtures shall be used for the various parts of the building:

Columns and Footings – Class A (1:2:4)
Wall Footings – Class A(1:2:4)
Reinf. Concrete Beams and Slabs – Class A(1:2:4)
Slab on Fill – Class B(1:2 1/2:5)

The fine aggregate for concrete shall consist of natural sand, or of inert materials with similar characteristics, having clean, hard and durable grains, free from organic matter or loam.

The course aggregate for concrete shall consist of crushed rock of durable and strong qualities or clean and hard gravel.  Size of the course aggregate shall vary from 20mm to 40mm (3/4” to 1-1/2”)

VI. Forms and Scaffoldings

All forms for concrete shall be properly braced or connected together so as to maintain the correct position and shapes of the concrete members.  Forms shall be constructed sufficiently tight to prevent bulging and seepage of water.

Forms shall not be removed until the concrete has attained sufficient strength to support its own weight and any loads that may be placed on it.

Scaffoldings must be properly braced to prevent accidents.  Scaffolding materials may be lumber or steel.

VII. Concrete Slab Floors on Fill

Concrete slabs on fill shall be poured on a gravel bed not less than 100mm thick.  Each concrete slab course to be poured shall not be more than one meter wide, and each course shall be poured alternately to the indicated floor finish.

VIII. Steel Reinforcing Bars

All steel reinforcing bars to be used in the construction shall consist of round deformed bars with lugs, projection on their sides to provide a greater bond between the concrete and the steel.  Sizes range is 10mm dia., 12mm dia., 16mm dia.

All steel reinforcing bars shall be accurately placed and secured against displacement by tying them together at each bar intersection with Gauge #16 galvanized iron wire.

The steel reinforcing bars indicated for footings, columns, slabs, beams, girders and other concrete members shall all conform to the number, size and spacing as indicated in the drawings or schedule of steel reinforcements.

IX. Masonry

Concrete hollow blocks to be used in this project shall be 5 inches thick.

All exterior concrete hollow blocks to be used for the first floor walls shall be at least 150mm thick, while concrete hollow blocks for interior walls unless otherwise indicated, shall be 100mm thick.  For interior CHB walls where plumbing pipes and fittings shall be located, the thickness shall be at least 150mm thick.

Concrete hollow blocks to be used for walls above the first floor, shall be 150mm thick.

The concrete hollow block walls shall be laid, and the cells filled with cement mortar consisting of 1 part Portland cement and 3 parts sand by volume.  They shall be reinforced with round deformed bars, 10mm diameter, spaced not more than 1.20 meters on center, both ways.

X. Finishes

Interior walls shall be of Smooth Plain Cement Plaster finish unless otherwise specified in the plans.

Exterior walls shall be of Smooth Plain Cement Plaster finish.
This section includes Portland Cement Plaster materials

a.    Base – Coat Cement: Portland cement, ASTM C 150, Type I
b.    Job – Mixed Finish Coat: ASTM C 926, Portland Cement, ASTM C 150 Type I
c.    Sand Aggregates for Base Coat: ASTM C 897
d.    Water: Potable and clean

XI. Floor Finishes

All materials to be used as floor finishes for the rooms shall be plain cement finish and general areas of the building shall be plain cement finish.

XII. Tile Wall and Floor Finishes

The toilet and bathroom floors shall be finished with 0.20m x 0.20 CERAMIC TILES and approved equivalent

The walls of the toilets, bathrooms shall be 0.20m x 0.30m CERAMIC TILES and approved equivalent.

XIII. Carpentry and Lumber

Lumber shall be approved quality of the respective kind required for the various parts of the work, self seasoned, thoroughly dried and free from large, loose and unsound knots, sap, shakes or other imperfections impairing its strength, durability and appearance.  Tanguile shall be used for door jambs, corbets, hangers, ceilings joist and other framings.  Lumber standards must comply with Philippine Lumber Standard and with applicable grading rules of local inspection agencies.

XIV. Roofing    

The roof shall be covered with 0.40 mm Color Roof Rib Type roofing.  The roofing sheet shall be secured to the purlins.  Gutter will be Pre-Painted Spanish Gutter.  All accessories must conform to standard of ASTM.  All overlaps and connections must be properly screwed and riveted.

XV. Doors and Windows

This section includes Solid Wood Doors and Hollow – Core Doors
Material: Kilm Dry “J. Melina” for solid door and ordinary tanguile for hollow – core wood doors and approved equivalent.

Install wood doors to comply with manufacturer’s written instructions, referenced quality standard, and as indicated on drawings.

PVC door shall be in quality standard “POLY DOOR” brand or approved equivalent; Extend and Location: Toilet and Bath

This section also includes standard Aluminum Framed (analok) Windows with ¼’ thick bronze glass.  Materials shall conform good quality and to be installed by the required fabricator and must comply with manufacturer’s specification and recommendations for installation of window units, hardware, operators and other components of the work.

XVI. Electrical Works

Basic Electrical Requirements

A.    All electrical works shall be done in accordance with all applicable current edition of the Philippine Electrical Code and shall conform to requirements, agencies and Power Company with jurisdiction over this project.  All work for this installation shall be done under the direct supervision of duly licensed Electrical Engineer or Master Electrician.

B.    All electrical materials, devices, fixtures, fittings and hardware shall be of suitable and approve type for location purposes.

XVII. Plumbing Works

All plumbing works for this project shall be done in accordance with the approved plans and under the direct supervision and control of a licensed Sanitary Engineer or Master Plumber.

Piping shall be properly graded or pitched to ensure easy circulation, drainage and prevent water hammer and noise.

The plumbing installation shall conform with the provisions of the National Plumbing Code and the rules and regulations enforced in the locality.

Piping for drain, waste and vent shall be done using GI push – on system.  For the in-house water supply installation, GI pipes and fittings shall be used.

The plumbing fixtures and accessories to be provided and installed shall be follows:

Water Closets – COOL or approved equivalent
Lavatories – COOL or approved equivalent
Kitchen Sink – Stainless
Shower Heads – COOL or approved equivalent
Soap Holder – COOL or approved equivalent
Toilet Paper Holder – COOL or approved equivalent
Floor Drain – COOL or approved equivalent

Where a sanitary sewer system of sewage disposal is not in operation in the locality, standard septic vault shall be constructed as shown in the drawings.

XIII. Metal

Steel Grills and Ornamental Railings

A.    General: For smooth fabrications exposed to view in the completed work, provide materials with smooth, flat, surfaces without blemishes.  Do not use materials with exposed pitting.  Seam marks, roller marks or roughness.
B.    This section includes ornamental railing fabricated from custom shapes.
C.    Steel and Iron: Provide steel and iron in form indicated to comply with the following requirements
Tubing: Cold formed, ASTM A 500
Steel Plate, Shapes and Bar: ASTM 36

XIV Painting

A.    This section includes surface preparation and field painting of the following:
Exposed exterior items and surface
Exposed interior and surfaces
Surface preparation, priming and finish coast specified in this section are in addition to shop priming, and surface treatment specified in other sections.

B.    Material Compatibility: Provide block fillers, primers, undercoats, finish-coat materials and related materials that are compatible with one another and the substrates indicated under conditions of service and application, as demonstrated by manufacturer based on testing and field experienced.

C.    Materials Quality:  Provide manufacturer’s best quality paint material of the various coating types specified. Paint-material containers not displaying manufacturer’s product identification will not be acceptable.

Proprietary Names:  Use of manufacturer’s proprietary product names to designate colors or materials is not intended to imply that products named are required to be used to the exclusion of equivalent products of other manufacturers.

Cementitious Filler: Not shrink formulations; white Portland cement with fine silicate aggregate, zinc-oxide pigment, and reinforcing chemical binder as approved.

Thinner:  As  recommended by each manufacturer for the respective product.

Equipment: Provide scaffolding, staging, drop cloths, covers, brushes, rollers and spraying and other equipment of the type, grade and size required for the proper execution of work.

D.    Color:  Colors of items or surfaces to be painted are indicated on the drawings and schedules.  Provide custom color of the finished paint system to match the Architect’s sample.

E.    Mixing:  All materials shall be factory or supplier mixed to proper application consistency.  Perform job mixing and tinting only as approved by the Architect.

F.    Application:
General: Apply finish systems in accordance with the manufacturer’s written instructions.  Use applicators and techniques best suited for substance and type of material being applied.  Apply to the dry film mil thickness for each coat as recommended by the manufacturer.  Finish coats shall cover substrate and produce a uniform finish surface, free form from sags, lap mark and other defects.

How to Prevent House Construction Delay?

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construction delaysWe can avoid construction delays if we are aware of the common causes of delays and foresee it and be ready for the appropriate action.

Let us take a look the most common cause of delays:

  • Rainy Weather
  • Client financial trouble
  • Changes to initial design
  • Contractor’s poor management skills and poor communication
  • Contractor’s lack of manpower
  • Labor dispute and disagreement
  • Late delivery of materials from supplier
  • Restrictive rules and regulations
  • Access to power and water
  • House owner additional work that is not included in the house plan
  • House owner request for modification

It is totally impossible to eliminate construction delays but we can minimize it by proper planning and management.  House construction is very complicated because there are many people involved. One of the most difficult tasks is handling different people from different walks of life. Materials may not be delivered on time, subcontractor will not always be sure that there are enough manpower needs on site immediately, mishandling of communication between carpenters, plumbers, electrician and among others.

The following are some simple strategies to minimize house construction delays:

  1. Monitor the weather and be prepare for the bad weather and make necessary action.
  2. Make sure that there are proper permits before each phase of the construction.
  3. Ensure that there is a site access and on-site security to avoid theft of materials and equipment
  4. Hire only the most experienced workers and subcontractors
  5. Owner should minimize their change request.
  6. Make sure to have daily communication with your workers, subcontractors, owner and supplier.
  7. Monitor all cost including materials and labor costs as well as the time schedule for every phase.
  8. Schedule daily tasks for the next week
  9. Ensure that you have safety training program and have plans for emergencies.
  10. Hire subcontractors that is honest, trusted and trustworthy and with good communication skills to avoid conflicts and disagreement in the future
  11. Make sure that the client or owner of the house paid on time based on terms of payment
  12. Contractor should know how to handle money.

Causes of House Construction Delays

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house construction delayNo matter how careful you are, delays is not avoidable because weather is change, and people is change that is why it is important that we should be aware of the causes of delays during house construction.  Delay is common because constructions is complicated and involve a lot of different people.  Everyone must be working together to avoid delays.  The contractor will suffer because of the overhead expenses as well as owner of the house.

The following are some causes of delays during house construction:

  • Excessive bad weather
    Bad weather is unavoidable but we can avoid excessive bad weather if we start our house construction during summer season before the rain starts.
  • Insufficient manpower
    If there is no manpower, delays will be expected so it is important to verify your contractor if he has enough manpower to do the job.
  • Labor dispute or labor disagreement
    Labor dispute or labor disagreement is avoidable between contractor and his labor or subcontractor.  The contractor should have extra person or labor so that the construction will not stop.
  • Contractor mismanagement
    Make sure that your contractor has good reputation and trusted. There are times that the contractor may not know how to manage money and people.
  • Failure to purchase material on time
    Sometimes the contractor forgets to order material in a timely manner.
    • Delivery delays
      If the supplier delays the delivery of materials

 

  • Owner house modification
    Owner requests additional work or some modification for the design of the house. Small modification can have large impact to the construction.

Now that we are aware of the possible causes of delays, make sure to come up with the solution if we experience the above situation. Proper planning and scheduling can prevent this unavoidable situation.