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PAG-IBIG FUND MEMBERSHIP and
BENEFITS
VICTORIA B DELA PENAVice President for Visyasa
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What is Pag-IBIG Fund?
A savings program with tax-free dividend earnings
An opportunity to save for the future
An opportunity to be a future homeowner
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Who are mandatorily covered? (R.A. 9679)
All gainfully employed Filipino (all SSS and GSIS members)
Household helpers
Overseas Filipino Workers
Uniformed Personnel
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Self-employed individuals which includes:
Practicing professionals
Businessmen and Entrepreneurs
Job Order (Piecemeal) workers
Farmers and Fisherfolks
Workers in the Informal Sector
And other individuals earning at least P1,000 a month whether from trade, business or profession
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CONTRIBUTION RATE
Monthly Compensation
Contribution Rate
EE share ER share
P 1,500 and below 1%2%
Over P 1,500 2%Self-employed members shall cover both the employee and employer share or P200/month
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When can I enjoy my savings?•Maturity- 20 YEARS
- 10 YEARS (optional)RA7742- 15 YEARS (optional)RA9679
•Retirement- 60 yrs of age (optional)
- 65 yrs of age (mandatory)
- 45 yrs of age w/ company ERP
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When can I enjoy my savings?
•Total Disability/ Insanity
•Separation from service due to health reason
•Permanent departure from the country
•Death
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LOAN PRIVILEGES
Short Term Loan (Multi - Purpose Loan and Calamity Loan)
Expanded Housing Loan Program
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MULTI – PURPOSE LOAN
Loan amount up to 80% of TAV
FAST and EASY! 1-3 days releasing
Low interest rate at less than 1%/month
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MULTI – PURPOSE LOAN
Payable within 2 years
Reloan period of after 6 months only
Earn rebates on advanced payments
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EXPANDED HOUSING LOAN PROGRAM
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Pag-IBIG offers the Best Housing Loan packages…
Lowest Interest Rate at 6% per annum
Highest Loan to Collateral Ratio at 100%
Longest Loan Term at 30 years
Loan Amount of up to P3 Million
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LOAN PURPOSES:
Lot Purchase
Purchase of Residential Unit
House Construction or
Completion
Lot Purchase with House
Construction
Home Improvement
Refinancing
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LOAN PURPOSES:
Lot Purchase
Purchase of Residential Unit
House Construction or
Completion
Lot Purchase with House
Construction
Home Improvement
Refinancing
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Eligibility…An active member with 24 monthly
contributions
Not more than 65 years old
Filipino citizen and of legal age
Must pass background/credit
investigation
Updated MPL payments
No existing HL (either as principal or
co-borrower)
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MODIFIED Pag-IBIG Fund II (MP2) Membership Program
Voluntary upon all Pag-IBIG I members whose gross monthly income exceeds five thousand pesos (Php 5,000.00)
Contribution is minimum of five hundred pesos (Php 500.00) per month
Five (05) years membership term
Solely a savings scheme
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- THANK YOU -