This is the ultimate guide to Pag-IBIG Online Services (Pag-Ibig Fund) in 2019.The best part? All of the strategies in this guide work GREAT in 2018.If you’re earning ₱15,000.00 or less per month, it’s hard to qualify for most home loans in the Philippines, even the regular Pag-IBIG Fund housing loan.But fortunately, you may qualify for Pag-IBIG’s affordable housing loan program (AHP) that caters to low-income and minimum-wage earners.For the first five months of 2018, more than ₱10,000.00 minimum-wage and low-income earners have already availed of this low-cost house financing scheme.

• Pag Ibig Form

Bukod sa savings at housing loan, nagbibigay din ng short term loan ang Pag-IBIG. May dalawang klase ito – multipurpose loan (MPL) at calamity loan (CL). Ang loan amount na ibibigay ng Pag-IBIG sa iyo ay ang pinakamababa sa mga ito: desired loan amount, loan entitlement at capacity to pay. Pag-IBIG Fund guarantees the refund of member's total accumulated savings (TAV), which consists of the member's accumulated contributions, the employer counterpart contributions, if any, and the dividend earnings credited to the member's account upon occurrence of any of the following grounds for withdrawal: This article is filed under: Pag-Ibig Fund, Pag-Ibig Contribution, Withdraw Pag-Ibig.

For Fast Result! Please type on G o o g le Pag-Ibig Fund Guide by OFWMONEYFilipinos with a monthly income of up to ₱15,000.00 in Metro Manila and ₱12,000.00 in the provinces may avail of the AHP. It has a 3% annual interest rate for the first five years of the loan term. You can borrow up to ₱450,000.00 under the AHP.Payment and monthly contributions are also easy to do with their satellite offices and international branches. Contents.What is Pag-IBIG Fund?The Home Development Mutual Fund (HDMF) or more popularly known as the Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya, at Gobyerno Fund or the PAG-IBIG Fund is a fund dedicated to the creation and establishment of a national savings program and an affordable shelter financing scheme for Filipinos.

It was first established in 1978 through the enactment of Presidential Decree, and was created primarily to address these issues.Its enabling law has gone through several amendments that have subjected the HDMF to changes in administration, as well as changes in the various rules and regulations governing its operations. Basically, the HDMF acts as the Government’s response in order to address the aforementioned issues through the provision of housing and financing schemes that would help ordinary Filipinos afford their dream homes. Republic Act No. 9679In 2009, the Arroyo administration enacted Republic Act No. 9679 or the Home Development Mutual Fund Law of 2009.

Essentially, the law gave the HDMF more authority and privileges that would not only give it an avenue to financially assist more of its members, but also opportunities to maximize the use of its funds. For instance, membership to the HDMF is now mandatory for all employees covered by the SSS and the GSIS, as well as for uniformed members of various police and military institutions, such as the AFP, PNP, BFP, and BJMP.

It also mandates the membership of Filipino employees of foreign-based employers. The new law also exempts the HDMF from tax payments, while giving its Board of Trustees the authority to set contribution rates, thereby giving the HDMF more funds to finance its housing projects, give out short-term loans to its members, and invest in government securities. Before you can start an online inquiry, you need to register first to validate your personal identification by filling up all the necessary information or you can also visit the branches abroad and apply personally. After you have gotten your MID Number, you are ready to make PAG-IBIG online contribution inquiry in less than 5 minutes.

Pag-IBIG Fund Online Registration: A Step by Step GuideWe’ve listed down 5 easy steps to accomplishing your Pag-IBIG online registration below: STEP 1: GO TO PAG-IBIG FUND’S WEBSITETo register for a Pag-IBIG membership, visit their website at. Scroll down a little and click the “e-services” button.STEP 2: PROCEED TO MEMBERSHIP REGISTRATIONIn the next page, click “Membership Registration” to apply for a Pag-IBIG membership.You’ll be redirected to the Online Membership Registration homepage, which caters to those who intend to become a member of Pag-IBIG Fund. Click Continue.STEP 3: FILL OUT YOUR NAME AND BIRTH DATEInput your name and date of birth to allow Pag-IBIG to search its member database and make sure that you haven’t registered before.Don’t forget to enter the code at the bottom part to prevent spamming. Click Proceed.STEP 4: FILL OUT THE APPLICATION FORMYou’ll then be redirected to the next page, which acts as a virtual application form for Pag-IBIG Fund membership.Make sure that you fill out all the details needed.

Take note that the form consists of several tabs, such as Member Info, Other Info, Address, Contacts, Heirs, Member Category, and Employment History, so you should go through each tab and input the details being asked.STEP 5: SUBMIT YOUR APPLICATIONOnce you finish the form, click the Summary tab and submit your registration. If your sign up has been successful, you’ll be redirected to the Successful Registration page. You might also receive an SMS confirming your registration. How can I apply for a Pag-IBIG Home Loan Online?Eager to know the easy steps to borrow a fund through Pag-Ibig loan application for OFW? Know the requirements, access form, and monitor your membership through online verification.

If you are an OFW planning to buy a house and lot and looking for tips and ideas to increase the changes for Pab-Ibig Home Loan application, whether through online or walk-in, here’s your complete guide.Pag-IBIG Home Development Mutual Fund (HDMF) was created for OFW members to afford housing loan after being a contributor of 24 months. Nevertheless, an individual should also show proof of employment as one of the proof that you’re eligible for Pag-Ibig Home Loan.If you’re an interested applicant and desires to apply online, here are the following guidelines. Loan Value. Term in Years. Interest Rate.

Outstanding Balance. Monthly AmortizationStatement Summary Current BillingPayment Reminders. Please present this Billing Statement or the perforated card at the upper left part of the billing statement when paying at any Pag-IBIB Fund Accredited Collecting Partners. If you are an employee who earns more than ₱5,000.00 monthly, your salary will automatically be deducted ₱100.00. Have a total Pag-IBIG Fund savings of ₱4,800.00 or at least twenty-four (24) monthly Membership Savings (MS). Have made at least one (1) MS within the last six (6) months, as of month prior to date of loan application. Submission of sufficient proof of incomePag-IBIG members with an existing or Pag-IBIG Calamity Loan must not have a default account in the date of application.How to Compute Pag-IBIG Salary Loan AmountCalculations are made according to the individual’s membership term multiplied by his/her monthly contribution.

Pag Ibig Form

From there, a 60% loan factor is applied. So for example, an individual who has been a Pag-IBIG member for 24 months can only loan ₱2,880.00 ( 24 months x 200 monthly contribution ÷.60)The amount you can loan rises as your monthly contributions increase, and so does the loan factor. An employee who has made contributions for 120 months or more can take out a loan at an 80% factor. Pag-IBIG Salary Loan RequirementsYou need to complete the following requirements before applying for a Pag-IBIG Salary Loan. Signature of Office Head/ or Authorized Representative. Employer/Company Name.

SSS/GSIS No. Agency Code and Branch CodeWhen you have all of these, visit a Pag-IBIG branch near you and have your documents processed for approval.You can also apply for loan renewal later on though it will require six months’ worth of payments towards your existing loan plus the outstanding balance together with any accumulated interest. Penalties and charges will be deducted from the new amount you take out. Pag-IBIG Salary Loan Term and Modes of ReleaseWhen you receive approval for your Pag-IBIG Salary Loan application, you may choose from any of the following modes of loan release. Everything You Need to Know About Pag-IBIG Funds BenefitsYou already know that being a member of Home Development Mutual Fund (HDMF) – more commonly known as the Pag-IBIG Fund – means that you get access to home loans to finance a home of your own.The agency itself boasts upwards of 13.8 million members and total assets of Php 350 Billion, generated from contributions made monthly by members. As such, there are useful benefits of Pag-IBIG members you might not know, and here’s a look at a few of them.

Asset expansionYou’re aware that the Pag-IBIG Fund can be used to facilitate the funding necessary to purchase or improve upon a home, but there are also two types of contributions to the fund that can be used to let you save more money that can eventually be allocated elsewhere.Under the agency’s Providence Savings Program, any member can accumulate contributions that can eventually be claimed – on top of the contributions made monthly. Below are the two types.

Modified Pag-IBIG II – Also known as the MP2 Program, this one is a wholly voluntary and additional five-year savings facility. It is accessible to members already enrolled in the Pag-IBIG I program.In this program, members make a second contribution – at a minimum of ₱500.00 per share – that matures in five years. After which, a member can claim their savings, plus dividends earned.Applications for the MP2 program is as simple as speaking to your human resources officer and stating that you’d like to enroll, after which you’ll be asked to sign a form that serves as confirmation.If you are self-employed, you may also enroll in this program. You may download the MP2 enrollment form online. Multiple housing loansAs of April 2015, members are allowed to take out more than one housing loan. Under Circular No. Larger contributions also play a huge part in housing loans, as gross monthly income plays a part in the computation of the loanable amount.

How to Withdraw Pag-IBIG Fund (HDMF) Contributions – Easiest WayHere are the 6 Grounds for Membership Termination or Withdrawal. Membership MaturityMember must have remitted at least 240 monthly membership contributions with the Fund. For Pag-IBIG Overseas Program (POP) members, membership with the Fund shall be at the end of five (5), ten (10), fifteen (15), or twenty (20) years depending on the option of the member upon membership registration. Retirementmember shall be compulsorily retired upon reaching age 65. He may however, opt to retire upon the occurrence of any of the following.

Temporary total disability lasting continuously for more than 120 days;. Complete loss of sight of both eyes;. Loss of two limbs at or over the ankle or wrist;. Permanent complete paralysis of two limbs;. Brain injury resulting in incurable imbecility or insanity; and. Such other cases which are adjudged to be total and permanent disability by a duly licensed physician and approved by the Board of Trustees.4. Termination from Service by Reason of Health 5.

Permanent departure from the country 6. DeathIn case of death, the Fund benefits shall be divided among the member’s legal heirs in accordance with the New Civil Code as amended by the New Family Code. CHECKLIST OF REQUIREMENTS. Application for Provident Benefits Claim APB, HQP-PFF-285. Pag-IBIG Loyalty Card and one (1) valid ID of member/claimant (present original and submit photocopy)NOTES:. If Pag-IBIG Loyalty Card is not available, two (2) valid IDs (present original and submit photocopy).

For retirement purposes, the valid IDs must reflect the member’s date of birth. If the valid IDs do not reflect the date of birth, submit any of the following:. Birth Certificate of Member issued by Philippine Statistics Authority (PSA). Non-availability of Birth Record issued by PSA and Joint Affidavit of Two Disinterested Persons (HQP-PFF-029,How to Pay PAG-IBIG Contribution Online with a Credit CardThese days, almost any transaction that you’d make in person, you can make online without ever having to leave your home.PAG-IBIG contribution remittance made easy!

With just a few taps on your computer keyboard and your credit card number, you will be able to remit your monthly HDMF contribution with no sweat! Here’s how:. Log in to Pag-IBIG Fund website at www.pagibigfund.gov.ph. Click “E-Services” and select “Online Payment Facility”.

Under Online Payment Facility, accomplish the following required information to pay Monthly Savings. Membership Category (Local or Overseas). Pag-IBIG Membership Identification (MID) No./Registration Tracking No. You are 60 years old or older. Or you have already retired from the SSS or GSIS.

Or you have retired from your company under your company’s early retirement plan and you are 45 years old or older. You have 240 monthly contributions or more and you are 45 years old or older. You have permanent and total disability.

You have been formally separated from service because of serious illness. You have immigrated to another country. Death. List the companies where you worked, addresses of these companies, and dates when you worked in these firms.

Go to Pag-ibig Fund and ask for a copy of your contributions. Go to the Pag-ibig branch where your last company is making its Pag-ibig submissions.

Bring 2 valid IDs. Check if all your Pag-ibig monthly contributions are included. If there are missing contributions, think if these could have been submitted in another Pag-ibig branch. Companies usually make submissions to the Pag-ibig branch nearest to them.

If you need to, request for a consolidation of records. This is a copy of the Pag-ibig Request for Transfer of Members’ Records form. If you’re making a claim for your parent or relative, have a SPA or Special Power of Attorney. This is a copy of the SPA for Pag-ibig Claims.Have something to add about PAG-IBIG Contribution?

Share it in the comments. Good afternoon. I am DepEd employee teaching here in Romblon. I would like to verify po sana kung kelan talaga ako inistart dineductan ng calamity loan. The loan was granted and supposed to end ng December 2015. Pero nang nagloan po ako hindi agad ito dineduct sakin kundi pa nirequest ay dati po kasi automatic itong salary deduuction. Then nagfiscal kami January 2016 alam ko dineductan po ako till June 2016 kasi po nna-stop dahil nappromote kami sa Senior High School.

Then nang nag-appear sa payslip namin ang nangyari start pa lang ng deduction ng April 2017 ay may Read more ».

Permanent and Total Disability or Insanity. The following disabilities shall be deemed total and permanent: a) Temporary total disability lasting continuously for more than 120 days; b) Complete loss of sight of both eyes; c) Loss of two limbs at or over the ankle or wrist; d) Permanent complete paralysis of two limbs; e) Brain injury resulting in incurable imbecility or insanity; and f) Such other cases which are adjudged to be total and permanent disability by a duly licensed physician and approved by the Board of Trustees. Kumikita po ng dividends taon taon ang inyong naimpok. Para sa taong 2015 ang dividend rate po ay 4.8%. Once naging qualified po ang isang member for provident benefits claim, maaari po niyang makuha ang lahat ng kanyang contributions, employer's counterpart contributions at dividends nito.' B.Ito po ay ang aming provident benefits claim under 10 years maturity period. Kung nakompleto po ninyo ang 120 monthly contributions na walang gaps o palya at ika-10th year na po ng inyong membership at walang existing loan, maaari po kayong mag-avail ng provident benefits claim - 10 year maturity period.

Ito po ay applicable sa mga nagsimula maging member ng taon 1995 - 2009. For more information, please visit our site at www.pagibigfund.gov.ph. Thoughtskoto or www.jbsolis.com posts job listings directly outsourced from the approved jobs order posted at the government-owned website, the POEA at www.poea.gov.ph for the convenience and wider information of the public especially those seeking jobs overseas. Thoughtskoto is not affiliated and does not endorse or recommend any of these employment agencies, employers or recruitment companies. We advise applicants to verify the job order at the POEA website and research thoroughly the validity of the license and registration, as well as the reputation of the recruitment agencies mentioned in this website before applying for any job.