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Pag-Ibig / Philhealth Concerns


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#1 Guest_airmax_*

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Posted 28 February 2007 - 07:11 PM

Ung pagibig ba automatically deducted from your pay slip? parang tax and sss?

#2 Dr Love

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Posted 26 May 2007 - 03:24 PM

Just a correction. Whether your working in government or in the private sector, you can be a Pag-ibig member. Actually, its now mandatory for all working employees regardless whether regular or not unless there is no employee - employer relationship. Its the social security area where the private sector has SSS and government has GSIS.

Answer is Yes. Automatic na magde-deduct ang company nyo kung regular employee ka. remember Private Company ay PAG-Ibig. Ang mga government company ay GSIS.



#3 Boysbe

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Posted 14 June 2007 - 08:12 AM

Ung pagibig ba automatically deducted from your pay slip? parang tax and sss?


Yeah,just like Tax and SSS,deducted yan...

#4 darthstrider

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Posted 20 June 2007 - 12:59 PM

how much first loan mo sa pag-ibig gusto ko kc mag loan eh

#5 hsmeilop

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Posted 27 June 2007 - 12:20 AM

how long should you be a contributor to pag-ibig before you can take out a loan? and should the loan be for a house or can you loan for something else?

#6 jing_biatch

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Posted 29 June 2007 - 08:49 AM

how long should you be a contributor to pag-ibig before you can take out a loan? and should the loan be for a house or can you loan for something else?


at least my 24 monthly contributions ka na, pede ka na mghousing loan at may multi-purpose loan dn cla

#7 conway44

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Posted 03 July 2007 - 01:50 PM

wat are the requirements for multipurpose loan? thanks

#8 jason5678

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Posted 09 July 2007 - 01:59 AM

you guys may want to visit their site for more info

www.pagibigfund.gov.ph

#9 id6230

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Posted 09 July 2007 - 02:40 AM

you guys may want to visit their site for more info

www.pagibigfund.gov.ph


Mag kano usually ang current interest rate nang pag ibig sa housing loan. Pag 15 years to pay tapos 3 million ang uutangin.

#10 mangkiroyalty

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Posted 27 July 2007 - 02:18 PM

Just a correction. Whether your working in government or in the private sector, you can be a Pag-ibig member. Actually, its now mandatory for all working employees regardless whether regular or not unless there is no employee - employer relationship. Its the social security area where the private sector has SSS and government has GSIS.



I oh so agree! :) :thumbsupsmiley:

#11 boogie06

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Posted 09 October 2007 - 08:18 AM

anyone here knows kung how much ung percentage ng 2nd loan sa pag-ibig?
got my 1st loan last feb, den according to them it's 60% of my contribution...they also told me that i can now avail of my 2nd loan...but they will deduct the balance of my 1st loan...Im having 2nd thoughts if i will apply now (oct.) for my 2nd loan...i need money din nmn, pero bka pag binawas n ung balance nung 1st loan q eh wla n matira o konti n lng ung makukuha q for my 2nd loan.... 2 yrs & 8 mos pa lng din kc ung contribution q ;o)

#12 pedrupenduku

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Posted 26 November 2007 - 02:38 AM

Mag kano usually ang current interest rate nang pag ibig sa housing loan. Pag 15 years to pay tapos 3 million ang uutangin.


can you really borrow 3million from pag-ibig? I thought the max is only 2M and it depends on your contribution and salary if you are capable to pay the MA.

just a thought.

#13 slow

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Posted 27 November 2007 - 10:26 PM

anybody kind enough to do the MATH. How much would be the monthly payment if i avail a LOAN of 2M payable within 10 years? 20 years? and 30 years? Thanks

#14 freezer

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Posted 13 December 2007 - 09:03 AM

anybody who know about pag-ibig program for OFW's? yung voluntary contribution? thanks!

#15 pedrupenduku

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Posted 05 January 2008 - 10:26 AM

kapag nag loan ka ba sa pag ibig, will they give the money directly to you? i mean for the purpose of a housing loan? kasi i'm planning to buy a house thru an individual lang eh not thru a real state broker.

#16 pedrupenduku

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Posted 09 January 2008 - 09:50 AM

ex-bitager... sir, hindi ba pwede un bayaran lets say kapag meron kang extra money? lets say nakaipon ka ng mga 100thou then you want to pay that amount para mas makabawas sa utang mo, possible yun di ba? if not, and they would stick to the 30 year term that sucks!!!

hopefully they don't....

have you tried to get a loan sir? and can you give me an idea of the requirements that you filed presented to them

TIA

#17 pedrupenduku

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Posted 16 January 2008 - 12:54 PM

pwede ngang magbayad in advance...pero if u look at it closely, ur just paying the interest accumulated for the 30 years period..

bout the requirements... grabe... napakadami....halos lahat ng personal info mo ibibigay mo..

better attend the seminar para maliwanagan ka...however, sa seminar for sure maeengganyo ka ..

teka...pero if youre only renting a house ryt now ok ung pagibig kesa mag rent ka..un nga lang raw houses tlga....as in raw houses...better look for a good site and developer para makapamili ka ng mabuti

ung applied loan ko kasi is for home improvement....mahirap kce dahil ung titulo ng bahay ang nakasalalaly...may possibility pang mforfeit ung bahay kapag dka nakabayad sa tamang panahon...



================

actually sir i'm eyeing for a lot and then papatayuan ko ng bahay, may prospect na ako ng lot in sta rosa laguna, 110sqm selling for 500K, and then papatayuan ng house, meron sila dun option sa loan na "purchase a lot and house construction" if i'm not mistaken, I will attend the seminar this monday kasi yun yung free time ko.

may idea ka ba or maybe a table that shows how much you can loan with the salary your getting now?

TIA

#18 pedrupenduku

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Posted 22 January 2008 - 01:56 PM

I have attended the pag ibig seminar yesterday sir...

base dun sa sinabi nila na ang liit lang ng pwede ko mai-loan for my current salary, tapos mas malaki ang napupunta sa interest and other stuff na babayaran mo.... although kung may pera ka is pwede mo na bayaran yung principal amount and then stop na yun plus libre ka na sa interest.

parang hind ko na gusto ituloy ang loan ko...

and dun naman sa home renovation/improvement/construction, hindi pala nila binibigay yung pera ng cash, bibigay nila ng staggered, and then yung interest is from day one na binigay sayo yung pera kahit hindi ka pa nagsisimula mag bayad, so kung matatagalan yung construction eh di ang laki nga ng interest, ganyan yata yung nangyayari sayo sir kaya ang laki ng interest mo...

well, pag iisipan ko pa kung itutuloy ko sa pag ibig or try ko kung anu ang procedure sa bank.

#19 mackyboy

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Posted 26 May 2008 - 11:35 AM

Question: Pede ba ituloy ang contribution sa pagibig kung nawalan ng trabaho habang hindi pa nakakahanap ng work?

#20 ibirp

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Posted 26 May 2008 - 12:20 PM

Question: Pede ba ituloy ang contribution sa pagibig kung nawalan ng trabaho habang hindi pa nakakahanap ng work?



as far as i know, pwede ituloy ang contribution (200 yata minimum) kahit wla kapang work. pero you can't loan hanggang wala pang work or business..




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