pedrupenduku Posted January 9, 2008 Share Posted January 9, 2008 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 Quote Link to comment
pedrupenduku Posted January 16, 2008 Share Posted January 16, 2008 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 Quote Link to comment
pedrupenduku Posted January 22, 2008 Share Posted January 22, 2008 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. Quote Link to comment
mackyboy Posted May 26, 2008 Share Posted May 26, 2008 Question: Pede ba ituloy ang contribution sa pagibig kung nawalan ng trabaho habang hindi pa nakakahanap ng work? Quote Link to comment
ibirp Posted May 26, 2008 Share Posted May 26, 2008 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.. Quote Link to comment
ragstoriches Posted December 21, 2008 Share Posted December 21, 2008 My experience with Pag-Ibig was just bad. This was 4 years ago and I was purchasing my first home - a brand new Cityland condominium at the heart of Makati Business District. I was instructed to go through the process, which is fall in line in Atrium Building, wait for number to be called, complete the forms and submit all the requirement, then go back and attend mandatory seminars. It was at these seminars that I learned they do not provide loans to Cityland buyers. All those times, effort, money for coming up with the documents and transportation costs . . . wasted. If they only explicitly told me from the start that Cityland is not in their network, then I would not have gone through that horrendous exercise. Oh and yes, I also have my own work to take care of at the same time. Imagine all the squeezing in i need just to take care of the requirements as there is too much work for my company to allow me to take leaves that time. Boo! Quote Link to comment
sha79 Posted February 16, 2009 Share Posted February 16, 2009 first time pa lang mag lo-loan tru pag-ibig. yung nakuha kong property is 7% ang rate ng interest from 1-3yrs and 9% naman sa ika-4years-hanggang ika-30yrs. 30yrs to pay kasi kinuha kong property. mag se-seminar pa lang din ako sa pag-ibigmga requirements sabi ng agent ko hindi naman yata ganun karami:2pcs valid ID6pcs 1x1 picturelatest one month payslipproof of billingxerox of birth certificate Quote Link to comment
theexchristian Posted February 28, 2009 Share Posted February 28, 2009 Based on the FRs here, I'm having this impression that loaning or trying to loan from PAG-IBIG can be a horrible experience. What do you guys suggest? Shall we just loan from another institution instead? Will that be a better alternative? Yes, it can be but the best solution is to attend their seminars para clear lahat. Isa sa mga dapat iconsider ay ung service charge pag multipurpose loan. At pag housing loan naman malaki ung amount na babayaran para sa change of title. However, compared sa SSS loan, mas gugustuhin ko pa ung PAGIBIG kasi ung SSS mas bureaucratic at mas konti ang pondo. Ang PAGIBIG nadagdagan sila ng pondo dahil sa project ni VP Kabayan. Quote Link to comment
jinxee02 Posted June 16, 2010 Share Posted June 16, 2010 Hope i can help you with your philhealth concern..is it about membership or benefit availment? Quote Link to comment
kikiampot Posted September 13, 2010 Share Posted September 13, 2010 My previous employer did not remit my philhealth contributions, and upon checking I noticed that there were philhealth deductions reflected on my pay slip. Should I apply for a new PhilHeath number? What actions should I undertake on the part of my previous employer? Quote Link to comment
paobulous Posted July 24, 2011 Share Posted July 24, 2011 Hi, I plan to apply for work at philhealth. Can anyone guide me to the process. I'm a nursing grad also a licensed nurse. TIA Quote Link to comment
Masternone Posted August 2, 2011 Share Posted August 2, 2011 Hi po, Questions lang po regarding sa Philhealth 1. Papano po ba maging member ng philhealth2. Ano po ba ang benefits ng Philhealth3. Pag naging employee po ba automatic na magiging philhealth member sya? Thanks! Quote Link to comment
ermes Posted September 1, 2013 Share Posted September 1, 2013 just curious. What happens to your Pag-ibig contributions when you retire? someone is not paying attention during orientation or your HR is amiss somewhere (joke po)your monthly contributions together with the employer's share accumulates into the TAV. members' TAV are invested as well as being loaned to members themselves with interest (depending what type of loan, MPL or calamity loan, the latter interest being less than 6%pa low). so upon retirement/ permanent separation, your TAV with dividends will be returned to you. there are options where you may ask for it earlier after ten(10) years or twenty (20) years. i.e. after 120 months or 240 months contributions. Quote Link to comment
otep austin Posted May 19, 2016 Share Posted May 19, 2016 ok papo ba tong thread na to? Quote Link to comment
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