Pagtutulungan sa Kinabukasan

IKAW

BANGKO

INDUSTRIYA

GOBYERNO

MEMBERSHIP

PROGRAMS

SHORT-TERM LOANS

END-USER HOME

FINANCING SHEME

BENEFITS AND

PROGRAMS

MODIFIED PAG-IBIG II

MEMBERSHIP (R.A. 9679)Mga empleyado sa Gobyerno

Mga empleyado sa Pribadong sektor (permanent, temporary o provisional)

Mga kasambahay na kumikita ng mula P1,000 o mas mataas pa kada buwan

Mga OFW, seafarer

Mga Self Employed, anumang klase ng pinagkakakitaan; kumikita ng mula P1,000/month

Kinikita / buwanBuwanang Hulog

Empleyado Employer

P1,500 o mas mababa 1% 2%

Higit P1,500 2% 2%

Note: Maaaring pagbasehan ang P5,000 o 2% ng aktwal na kita

Mga kinakailangan dokumento para sa mga Employer: DTI/ SEC/ CDA Registration

Self-Employed: DTI (para sa mga may negosyo) PRC license (propesyunal) Rehistro ng sasakyan (transport operator) Certificate of Appointment/ Employment (Commission

Basis, JOs, Drivers, Conductors, kasambahay) Atbp. na maaaring hingin ng kinatawan ng Pag-IBIG Fund

SHORT-TERM LOANS

Multi-Purpose LoanThis program aims to provide financial assistance to

Pag-IBIG members for purposes of minor home improvement, livelihood, medical, educational, purchase of appliance and furniture and other needs.

Calamity LoanThis program aims to provide financial assistance to

Pag-IBIG Fund member-victims in calamity-stricken areas, as declared by the Office of the President or the Sangguniang Bayan.

Sino ang maaaring mag-apply?1. Aktibong miyembero ng Pag-IBIG sa panahon ng paglo-

loan;2. May nabuo ng 24 buwanang hulog;3. May 5 buwanang hulog sa loob ng huling 6 na buwan.

Bilang ngHulog

Loan Amount (MPL)

Loan Amount (CL)

24-59 buwan 60% ng TAV

80% of TAV10-119 buwan 70% ng TAV

120 buwan pataas 80% ng TAV

Interes: MPL- 10.75% kada taon; CL- 5.95% kada taonPanahon ng Pagbabayad: Kailangan mabayaran sa loob lamang ng Isang taon na may grace period na 2 buwan sa MPL at 3 buwan para sa CL.

END-USER HOME FINANCING PROGRAMI. LOAN PURPOSESPurchase of Lot (PL)Purchase of Residential Unit (PRU)Construction of House (CH)Home Improvement (HI)Refinancing an Existing Loan (REL)

*Combination of loan purposes is allowed.

II. BORROWER ELIGIBILITY Must be an active member with at least 24 months contribution.

- Lump sum payment is allowed.- Members Savings (MS) Requirement

Minimum of P200, equivalent loan entitlement is up to P500,000.

For every P50 increase in MS, an equivalent increase of P100,000 in loan entitlement.

- Not be more than 65 years old upon loan application.- Has the legal capacity to acquire or encumber real property.- Has passed satisfactory background/credit and employment/ business check.- No outstanding housing loan, no housing loan that was

foreclosed, boughtback or subject to dacion and pago. Multi-purpose/Calamity loan should be updated at the time of loan application.

III. LOAN AMOUNT- Maximum of P6 Million

1. ACTUAL NEED- Amount Applied For- Contract to Sell (PL/PRU)- Bill of Materials/Construction Contract Price (CH/HI)- Statement of Account (REL)

2. CAPACITY TO PAY- For loan not exceeding P1.25 Million, monthly repayment

shall not exceed 35% of Gross Monthly Income (GMI).- For loans above P1.25 Million, monthly repayment shall not exceed 30% of GMI.

3. LOAN-TO-COLLATERAL VALUE RATIO- Maximum of 90%, subject to Borrowers Evaluation System

(BES)

IV. INTEREST RATE- Minimum of 7.895% per annum, subject to change based on the

Fund’s prevailing pricing framework at the time of loan availment.

V. LOAN TERM- Maximum of 30years

VI. INSURANCES- Mortgages Redemption Insurance (MRI)- Fire Insurance

VII. MODE OF PAYMENT- Salary Deduction- Post Dated Checks (12 PDC’s)- Over-the-Counter (OTC)- CSA with the accredited developer- Auto debit arrangement with banks- Bayad Centers/ G-Cash/ I-remit, etc.

VIII. LOAN CHARGES- P3,000, broken down to

- P1,000 upon filing, non-refundable-P2,000 upon loan take-out.

END-USER HOME FINANCING SCHEME(Circular No. 310)

Gross Monthly Income Required (Based on 7.985% rate and 30 years term)

Loan Term

(No. of Terms)

GMI Required

500T 1M 2M 3M 4M 5M 6M

5 28,956.03

57,912.06

135,128.10

202,692.17

270,256.23

337,820.27

405,384.33

10 17,321.20

34,642.37

80,832.23

121,248.33

161,664.47

202,080.57

242,496.70

15 13,639.80

25,279.60

63,652.43

95,478.63

127,304.83

159,131.07

190,957.27

20 11,935.80

23,871.63

55,700.47

83,550.67

111,400.90

139,251.13

167,101.37

25 11,011.74

22,023.51

51,388.20

77,082.27

102,776.37

128,470.47

154,101.37

30 10,467.43

20,934.83

48,847.93

73,271.90

97.695.90

122,119.87

146,543.83

Loan Term

(No. of years)

Monthly Amortization

500T 1M 2M 3M 4M 5M 6M

5 10,134.61 20,269.22 40,538.43 60,807.65 81,076.87 101,346.08

121,615.30

10 6,062.42 12,124.83 24,249.67 36.374.50 46,499.34 60,624.17 72,749.01

15 4,773.93 9,547.86 19,095.73 28,643.59 38.191.45 47,739.32 57,287.18

20 4,177.53 8,355.07 16,710.14 25,065.20 33,420.27 41,775.34 50,130.41

25 3,854.11 7,708.23 15,416.46 23,124.68 30,832.91 38,541.14 46,249.37

30 3,663.60 7,327.19 14,654.38 21,981.57 29,308.77 36,635.96 43,963.15

Monthly Amortization at 3years Fixing Period (Based on 7.985% rate and 30years term)

AFFORDABLE HOUSING LOAN PROGRAM(Circular No. 312)

Loan Amount

P400,000 P750,000

Gross Income

RequirementNCR Region

P15,000 per month

P12,000 per month

NCR RegionP17,500 per

monthP14,000 per

month

Interest Rate 4.5% Interest 6.5% Interest

Term of Loan(in years)

Monthly Amortization

5 7,457.21 14,674.61

10 4,145.54 8,516.10

15 3,059.97 6,533.31

20 2,530.60 5,591.80

25 2,223.33 5,064.05

30 2,026.74 4,740.51

BENEFITS AND PROGRAMS

HOUSING LOAN (Programang Pabahay)

Programs: PL- Purchase of Lot PRU- Purchase of Residential Unit CH- Construction of House HI- Home Improvement REL- Refinancing Existing Loan

…Combinations: PL&CH PRU&HI REL&HI REL&CH

** Ilan sa mga kwalipikasyon: Aktibong miyembro May 24 buang hulog o kontribusyon

- Ang isang bagong miyembro na nagnanais nang makapag-housing loan ay maaaring bayaran ang buo ang 24 buwang hulog nang minsanan (lump sum) upang ma-qualify.

Ang pinakamataas na halaga ng maaaring ma-loan ay P6,000,000 at magbabase sa ss.: Actual need Capacity to pay Loan-to-Appraisal Value

3 years 5 years 10 years

15 years

30 years

7.985% 8.985% 10% 10.75% 12.25%

Ang interes ay naayon sa pipiliin ng borrower na Re-pricing period:

PROVIDENT BENEFITSOptional Withdrawal of 15years (180mos. continuous

contribution)     Membership Maturity (20years/240 contributions)Retirement

                 • Optional retirement at age 60                 • Mandatory retirement at age 65 

Permanent departure from the country Permanent or total physical disability Termination from service by reason of health Death of the member 

OTHER INFORMATION…

2. Ano ang benipisyo ng miyembro sa Pag-IBIG?

1. Ano ang Republic Act 9679?

4. Lahat ba ng OFWs ay sakop ng mandatory coverage ng RA9679?

3. Bakit kasama ang OFWs sa mandatory membership coverage?

5. Kung ang isang dati nang miyembro ay magpapa rehistro bilang OFW, ano ang mangyayari sa kanyang kontribusyon?

MODIFIED PAG-IBIG II PROGRAMIsang boluntaryong programa ng pag-iimpok na nagbibigay ng pagkakataon sa mga miyembro ng Pag-IBIG na kumita ng mataas na dibidendo, kumpara sa Pag-IBIG I, mula sa kanilang inimpok sa loob lamang ng limang (5) taon. Bukas ang programa sa lahat ng miyembro na kasali sa Pag-IBIG I o regular member na kumikita ng mahigit limang libong piso (P5,000) kada buwan. Kasama sa programa ang mga OFW-member ng Pag-IBIG.

BUWANANG HULOG Pagkaraan ng 5Taon**

Pagkaraan ng 10Taon**

P500 P34,927.79 P81,655.02

1,000 69,843.58 163,310.05

2,000 104,765.37 244,965.07

2,000 139,687.16 326,620.10

5,000 349,217.90 816,550.25

Thankyou !!!!