Pag-IBIG Fund, mayroong alok na calamity loan assistance sa mga miyembro nito
Pag-IBIG Fund, mayroong alok na calamity loan assistance sa mga miyembro nito
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00:00Calamity and Multipurpose Loan ng Pag-ibig Fund, ating alamin kasama si Atty. Karen Leigh Garcia,
00:08Vice President and Public Relations and Information Services Group ng Pag-ibig Fund.
00:14Atty. Garcia, magandang panghali.
00:16Good afternoon, Asek Arnel. Good afternoon, Ms. Nina.
00:18And thank you for inviting Pag-ibig Fund.
00:20Alright, sabi nga ni Asek Arnel, kailangan natin ng pag-ibig sa ating buhay.
00:26Lalo na pag may calamidad.
00:29Kaya uunahin po namin itong sinabi ko nga kanina, Calamity Loan ng Pag-ibig.
00:35So, sino-sino po ba ang maaaring mag-avail ng Calamity Loan Assistance na ito
00:41at ano-ano po yung requirements para maka-avail kami nito?
00:44Yes. Ang lahat po ng benefits at programs ng pag-ibig fund, available po sa aming members.
00:49So, yun yung unang requirement. Kailangan pag-ibig fund member ka.
00:53At for Calamity Loan, ito po specific, kailangan either naninirahan ka
00:57o nagtatrabaho ka sa lugar na declared under state of calamity.
01:01O kapangatlo, kailangan aktibo ang pag-ibig fund member ka.
01:05Ano bag-ibig sabihin ng aktibo?
01:07Kailangan po may minimum one month na hulog for the past six months.
01:12And lastly po, kailangan meron ka ng cumulative na 24 na monthly na hulog.
01:17So, yun po ang eligibility requirements for Calamity Loan.
01:21Atty. Garcia, nasa magkano naman po ang halaga ng Calamity Loan na maaaring makuha ng isang membro?
01:27At pwede po bang mag-apply online?
01:29Yes po. As to your first question, it depends po.
01:33Kasi po, ang Calamity Loan loan proceeds is a percentage.
01:37So, kailangan 80% of your savings with pag-ibig fund.
01:41So, ang sinasabi po namin, the more you save, the more you can loan.
01:45Pwede po bang mag-apply online? Yes po.
01:48So, meron po kaming virtual pag-ibig. This is our online portal.
01:52You can upload all the documents that I mentioned along with one valid ID,
01:57the Calamity Loan application form, and your proof of income.
02:01So, yung proof of income can just be a payslip or the certificate of employment.
02:06Sa mga nabaha naman, paano kung wala ng ID?
02:09Pwede naman po certification from the barangay.
02:13Okay. So, eto po, to give us an example para po sa ating mga kabayang,
02:18can you give us an example nung, kunyari, naghulog ka na ano ba ang minimum
02:22na hulog sa pag-ibig and then what is 80% of that, for example, after several years?
02:27Yes. So, siguro, I'll start with a disclaimer. Nung Febrero po,
02:32nag-increase kami ng mandated contribution sa pag-ibig funds.
02:36So, prior to Feb 2024, nasa Php 200 a month lang.
02:41But starting Feb 2024, kailangan Php 400 a month na.
02:45So, sabihin na lang natin para simple ang math na we'll move on from Feb 2024.
02:50So, at Php 400 a month magiging times 24 months, that's Php 4,800.
02:56So, kailangan yun yung minimum monthly contribution natin para eligible ka.
03:01So, as to the math, sige, I'll make a round number na lang.
03:04Say, at Php 100,000 ang total savings mo sa pag-ibig fund.
03:08So, 80% of that is Php 80,000. So, that's how much you can loan.
03:12And we have the lowest interest rate on the market for calamity loans.
03:16Yes, that's my next question. Ano naman po ang interest?
03:185.95%. So, that's the lowest interest rate for calamity loans.
03:22Per year?
03:23Per year po.
03:24Per year?
03:25It's per year po.
03:26Sa iba ba? Magkano ba?
03:28Siguro sa mga private na lang na lending, yung mga online lending sa phone.
03:32Pag po kayong maluloko, nakalagay po siguro mga 6%.
03:36Pero pag nakita mo nakalagay per month, hindi per year.
03:39Grabe naman yung per month.
03:40Normally, it's between 1 to 3% per month.
03:43Yes.
03:45Atty. Garcia, sa mga nais po na mag-avail nitong loan na ito,
03:51gano katagal ang processing ng calamity loan applications?
03:55At ano-ano po yung mga paraan para mabayaran ito for payment?
03:59Yes. So, gano katagal?
04:01Siguro from complete submission of documents, it will take us 2 to 3 working days.
04:06So, isa pang requirement pala po for our calamity loan is a cash card.
04:10So, that's either the Pag-ibig Fund Loyalty Card Plus or a land bank or DBP cash card.
04:15Doon ilalagay yung proceeds.
04:17Tama po. Yes.
04:18So, when we credit the proceeds, direkyo na sa ATM, sa your debit card, the card,
04:23and then you can go to any ATM.
04:25Okay.
04:26As to how to apply, ayun po, pwede pong online, pwede pong over the counter.
04:30And as of now, nag-deploy kami na aming lingkod pag-ibig on wheels.
04:34Our mobile branch.
04:35So, it's somewhere in the northeast area of Metro Manila.
04:39Atorney, for the payment naman, paano nila ito babayaran yung loan nila?
04:43Yes. For the payment, we have 3 options actually.
04:46You can do it via salary deduction.
04:49So, you tell your employer, sabihin yung aming employer,
04:52papapirma kayo na pwede salary deduction na lang at yung employer na yung magre-remit sa pag-ibig fund.
04:58Pwede din over the counter.
05:00At pwede din through our online collecting partners.
05:03So, pwede pong, we have, it can be paid through AUD via Instapay.
05:08Pwede pong GCash, pwede pong Maya, pwede pong MLewalier, pwede pong Bayad Center,
05:15SM Business Center, and many, many others.
05:17That's good. Maraming ways.
05:18Yes.
05:19Gano ka tagal pwedeng mabayaran po itong loan na ito?
05:22May option kayo.
05:24So, either 24 months, 2 years, or 36 months, 3 years.
05:29Some people opt po kasi na longer yung payment term para mas magaan sa bulsa.
05:34Ayan.
05:35Siyempre, ayun sa iba, mas malaking bagay yung another year na extension.
05:40At sa mga hindi naman po qualified sa calamity loan,
05:44pero gustong mag-loan for whatever reason,
05:47meron po kayong multi-purpose loan.
05:49That's right.
05:50Ano po ang pinagkaiba ng multi-purpose loan or MPL na ito ng pag-ibig
05:55sa iba pang mga loans na inaalak po ng inyong ahensya?
05:59So, number one, ang eligibility requirement ng calamity loan is
06:02you either live in an area declared under a state of calamity,
06:06or dun ka nagtatrabaho.
06:08Okay.
06:09Pag hindi yan, if you don't meet that requirement,
06:11automatically, hindi na kayo eligible for a calamity loan.
06:14So, kung hindi kayo, if you don't fall under,
06:16if you don't live or work in an area under a state of calamity,
06:19you can apply for multi-purpose loan.
06:21So, as the name says, it's multi-purpose.
06:25Ngayon po siguro, it's enrollment season.
06:27Magkasimula na.
06:28So, pwede po sila, they can use a multi-purpose loan for tuition fee payments,
06:32for medicine, for gadgets of their kids.
06:34Kailangan na po ngayon, minsan may...
06:36Grabe ngayon, laptop na, grade ano lang.
06:38Yes, yes.
06:39Iyan ang requirement.
06:40Nagulit ako laptop, grade 7.
06:42Yes.
06:43And then, even though we don't encourage it,
06:46pwede din po siya pang shopping.
06:48Oo, why not?
06:49Anong talagang self-care, self-love?
06:52Yes, yes.
06:53Atty., magkana naman po ang halaga ng multi-purpose loan na maaari makuha ng miembro?
06:58At similar to kanina sa calamity loan, ano ang payment terms nito?
07:02At gano pa rin kalaki ang interest rate?
07:04Okay.
07:05So, parang ano siya, it's much like calamity loan.
07:07Ibig sabihin, percentage din ang savings mo, ang nauutang mo.
07:11It's also up to 80%.
07:13Same way.
07:14Pero, kinukuha siya sa same fund.
07:17So, ibig sabihin, pag na-max out mo na yung calamity loan mo,
07:20you cannot loan anymore for multi-purpose loan.
07:23So, mamimili ka.
07:24So, you choose.
07:25Kasi pa kaya iba, pwede magganon.
07:27Mag-calamity loan, and then gusto ko rin mag-MPL.
07:30Para mas malaki.
07:31Hindi po pwede gamitin sabay?
07:33Pag na-max out na siya, hindi na.
07:35Pag max na yung 80%, hindi na pwede sabay.
07:37But, you can renew every six months.
07:40So, meron na, no?
07:41Meron kanilang mga suki.
07:42At dahil ang multi-purpose loan is hindi naman pang emergency,
07:46it has a higher interest rate at 10.5%.
07:49Oo, much higher.
07:50So, mas maganda ang calamity loan?
07:51Opo.
07:52I max out mo sa calamity loan.
07:53Pwede po.
07:54Magamitin na natin.
07:55O, gaano katagal po namin pwede i-avail tong calamity loan?
07:59Kasi busy pa sila ngayon, di pa nila ma-avail.
08:01In two, three months, can we still avail?
08:03Tama po.
08:04So, yung deadline to avail of the calamity loan is 90 days from the time,
08:09o, three months po, from the time that your area,
08:11so, depende po sa LGU mo, declares a state of calamity.
08:15So, 90 days or three months.
08:17Okay.
08:18Going back to the multi-purpose loan naman,
08:20gaano rin po katagal yung proseso nito?
08:22At paano mag-apply?
08:24Pwede rin yung digital?
08:25O, yes.
08:26And anong requirements?
08:27Tama po.
08:28So, multi-purpose loan, the loan term is also 24 months or 36 months.
08:32So, may choice again ang ating members.
08:34How do you apply?
08:35Pwede rin po online via virtual pag-ibig.
08:38So, you just upload all the documents sa virtual pag-ibig.
08:42So, ano pong kailangan na documents?
08:43Okay.
08:44Multi-purpose loan application form, your ID, and proof of income.
08:48Okay.
08:49So, yung tatlo na yun.
08:50But, if your employer is partnered with pag-ibig fund,
08:54ibig sabihin, meron siyang virtual pag-ibig for employers,
08:57you don't need to upload anything.
09:00Wala na pong kailangan i-upload.
09:01All it takes is a few clicks, either on your phone or on your computer,
09:07tapos, tumidiretso na po sa amin yung application form,
09:10and you will receive it sa inyong cash card within two to three working days.
09:15Atty. Garcia, ito, madalas din itong itanong,
09:18maaari ko bang pagsabayin yung aking housing loan at MPL or multi-purpose loan?
09:24At kung meron na akong MPL loan,
09:28kailan ito maaaring mag-apply ulit ng MPL kung nakapag-apply na ako before?
09:33Yes, okay.
09:34So, pwede pwede po.
09:35Yes, pwede pong sabay ang multi-purpose loan at ang housing loan.
09:38Ang multi-purpose loan po kasi is a loan based on your savings.
09:41Okay.
09:42Ang housing loan is not dependent on your savings.
09:45Depende po siya sa, well, tatlong bagay, but mostly on your income.
09:49So, we look at your income.
09:51Kaya mo bang bayaran kung mangutan ka ng X amount?
09:55What is the maximum?
09:56Yes, what's the maximum?
09:58So, the maximum is six million pesos per housing loan borrower,
10:03tapos per property yan.
10:06So, why do I say per property?
10:08May nakakuha po kami ng requests from mag-asawa,
10:11from spouses na gusto namin...
10:13Take six million?
10:14Oo, tama po.
10:15Pwede.
10:16Separately.
10:17Take six million separately,
10:19pat kailangan po adjacent yung lupa.
10:21So, we can give you as a whole for the house, for the property,
10:24twelve million pesos.
10:25Di pwede magkahiwalay.
10:26Oo.
10:27Paano kung gusto niya yung may iba?
10:29Hiwalay.
10:30Pwede din po actually hiwalay.
10:31Hiwalay ng sama, para ganun.
10:33All right.
10:34Well, magandang balita po mula sa pag-iibig po ito, no?
10:37At kung kailangan pa nila ng more information about these loans,
10:41they will just go to the website.
10:43Yes, po.
10:44You can go to our website, pag-ibigfund.gov.ph.
10:48You can also contact our contact center.
10:50This is open 24-7.
10:52So, you can call us.
10:53Just dial 8-PAG-IBIG or 87-244-244.
10:58You can email us at contactus at pag-ibigfund.gov.ph
11:02or you can chat with us on our Facebook page.
11:05Ito po, 8 a.m. to 5 p.m. lang, Mondays to Fridays.
11:08Just look for HDMF official page.
11:11All right.
11:12Okay, maraming maraming salamat po sa inyong oras,
11:15Attorney Karine Ley-Garcia,
11:18Vice President of Public Relations and Information Services Group ng Pag-ibig Fund.
11:23Thank you.