Author Topic: PAG-IBIG II  (Read 48837 times)

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arnel

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Re: PAG-IBIG II
« Reply #15 on: Mar 14, 2010, 04:48 PM »
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bizmen

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Re: PAG-IBIG II
« Reply #16 on: Mar 14, 2010, 07:55 PM »
sir i-clear ko lng about the maximum, kasi sabi skin ng Pagibig-rep @ POLO office dito sa UAE no limit, some of the Pagibig 2 members na daw here saving more than $1k/mon. 5yrs onward din sabi sakin.

@arnel, for existing account you just need to check the "Maintain Dual Membership" at the back of the MDF to get Pagibig 2.


Minimum is Php 500, maximum is Php 1,450 monthly. Then you can renew na lang daw. It is only offered to active Pag-ibig members. And also need to fill up a Member Data Form in the branch where you are a member.If you have other questions you can call or email them. They answer naman email inquiries.
« Last Edit: Mar 14, 2010, 11:44 PM by bizmen »

arnel

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Re: PAG-IBIG II
« Reply #17 on: Mar 15, 2010, 08:23 AM »
@ sir bizmen, thanks!

i already emailed pag-ibig re my querry of what will happen just in case you get permanent resident of another country. but if any fellow PMTers who knows the answer to my querry, that would be very much appreciated if he/she could shed light to this,,,  :thankyou:
The biggest risk in life is not taking one at all.

oca1101uk

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Re: PAG-IBIG II
« Reply #18 on: Mar 15, 2010, 10:05 AM »
@ ka arnel, thanks!

http://www.pinoymoneytalk.com/forum/index.php?topic=26167.new#new

homeschoolmomma

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Re: PAG-IBIG II
« Reply #19 on: Apr 14, 2010, 10:38 PM »
I inquired about Pag-ibig II here in Batangas and I was told that my husband has to fill out a form before he can participate in this program.  No problem about that though, my only issue is that they told me that Landbank is the only locally accredited bank to accept "deposits" for Pag-ibig II!  Hassle naman for me kasi medyo malayo ang Landbank from our residence.

I want to ask those who have already participated in this program.  How true na Landbank lang ang pwede mag-accept dito sa Pinas?  Wala ba kayong alam na online payment?  Saan kayo nagre-remit ng para sa Pag-ibig II?

Thank you!
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graphene

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Re: PAG-IBIG II
« Reply #20 on: Apr 15, 2010, 09:56 AM »
pardon my ignorance but can anybody give a detailed or simple explanation of how this "savings" program go about? does this mean that i have to have a "savings account" with pag-ibig though landbank or that my monthly contribution is already the "savings account" in itself that would get annual dividend/interest?

and can anybody tell me what happens to my contributions with pag-ibig should i choose not to have a housing loan ever?

thank you very much. :thankyou:
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BruceInIloilo

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Re: PAG-IBIG II
« Reply #21 on: May 25, 2010, 04:43 PM »
Are the contributions to Pag-IBIG II tax free, i.e. are the contributions deducted from paychecks BEFORE income taxes are calculated?

Same questions for Pag-IBIG contributions over and above the minimum mandated by law.  If I increased contributions above the minimum, do I automatically "earn" 20% of my money because I am no longer paying income taxes on it.

Dodong_Pobre

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Re: PAG-IBIG II
« Reply #22 on: May 25, 2010, 08:46 PM »
Hhmmmm...ok narin kahit papano. parang a form of provident fund. 5.5% net interest per annum is not bad, para ka naring kumuha ng TBs yun nga lang upon maturity mo pa makukuha ang interest dito. Maganda ito pra sa mga katulad naming OFWs para by the time na nagretire na sa pagtatrabaho sa labas eh merong naipon kahit papano. Nagkainteres ako kumuha besides the POP that I currently have, pero required na yata magbayad ng regular contribution bago maka-join. Kung sakali 3 contributions na pala gagawin ko (PAg-IBIG I,PAG-IBIG II ska POP).

cloey

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Re: PAG-IBIG II
« Reply #23 on: Jul 07, 2010, 03:22 AM »
hi, is the 6% interest per annum compounding po ba or based lang po sa actual contributions? thanks!

fxsg

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Re: PAG-IBIG II
« Reply #24 on: Jul 07, 2010, 11:57 AM »

@ sir bizmen, thanks!

i already emailed pag-ibig re my querry of what will happen just in case you get permanent resident of another country. but if any fellow PMTers who knows the answer to my querry, that would be very much appreciated if he/she could shed light to this,,,  :thankyou:


you can still continue to be member of Pag-ibig kahit PR or permanent resident ka na sa isang country. if u decided to become a citizen of that country u can avail the early withdrawal sa pag-ibig.
Posted on: Jul 07, 2010, 11:53 AM

I inquired about Pag-ibig II here in Batangas and I was told that my husband has to fill out a form before he can participate in this program.  No problem about that though, my only issue is that they told me that Landbank is the only locally accredited bank to accept "deposits" for Pag-ibig II!  Hassle naman for me kasi medyo malayo ang Landbank from our residence.

I want to ask those who have already participated in this program.  How true na Landbank lang ang pwede mag-accept dito sa Pinas?  Wala ba kayong alam na online payment?  Saan kayo nagre-remit ng para sa Pag-ibig II?

Thank you!


Nde po totoo na Landbank lang ang bangko, nagkataon siguro na yung Rep na napagtanungan nyo ay Landbank lang alam na receiving bank. pwede din sa Metrobank kung asa abroad pwd sa mga remittance center na natanggap ng Pag-ibig payment like iRemit.
Posted on: Jul 07, 2010, 11:56 AM

hi, is the 6% interest per annum compounding po ba or based lang po sa actual contributions? thanks!


compounded annually based sa actual contribution as the revolving pricipal

arnel

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Re: PAG-IBIG II
« Reply #25 on: Jul 07, 2010, 09:28 PM »
thanks fsg!
The biggest risk in life is not taking one at all.

fxsg

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Re: PAG-IBIG II
« Reply #26 on: Jul 12, 2010, 11:21 AM »

thanks fsg!


NP Arnel, tinanung ko din yan kasi nung nakausap ko yung VP for collection sa Pag-ibig.

kcmendoza

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Re: PAG-IBIG II
« Reply #27 on: Aug 12, 2011, 07:03 PM »
maganda ganitong klase investment safe at gurranteed tama tama para sa amin OFW pag magretired may 6% Dividend ibibigay ang govt

Post Merge: Aug 12, 2011, 07:03 PM
Ano ang Modified Pag-IBIG II (MP2)?
Ang modified Pag-IBIG II ay isang boluntaryong programa ng pag-iimpok
na nagbibigay ng pagkakataon sa mga miyembro ng Pag-IBIG na kumita
ng mas mataas na dibidendo mula sa kanilang inimpok sa loob lamang ng
limang taon.
Sino ang pwedeng sumali sa programa?
Bukas ang programa sa lahat ng miyembro na kasali sa Pag-IBIG I o regular
membership na kumikita ng mahigit limang libo kada buwan. Kasama sa
programa ang mga OFW-member ng Pag-IBIG.
Magkano ang ihuhulog ko sa ilalim ng Modified Pag-IBIG II Program?
Maghuhulog ka ng P500 kada buwan. Maaari ka ding maghulog ng mas
mataas sa P500 kung gusto mo ng mas malaking impok.
Halimbawa:
ng limang taon. Pwede ring ma-withdraw ang iyong ipon bago matapos ang
limang taon sa mga sumusunod na dahilan:
Total disability or insanity
? Pagkaalis sa trabaho dahil sa sakit o karamdaman
? Pagkamatay ng miyembro
Anong mangyayari pag nag-mature na ang aking membership sa Modified
Pag-IBIG II at hindi ko nakuha ang aking inimpok?
Patuloy namang kikita ng dibidendo ang iyong impok sa loob ng dalawang taon
matapos ang maturity. Yun lamang, ibabase na sa rate na idedeklara sa ilalim ng
Pag-IBIG I ang dibidendo. Pagkatapos ng dalawang taon, hindi na kikita ng
dibidendo ang iyong impok.
Pwede ko pa bang ituloy ang paghuhulog pagkatapos ng limang taon?
Oo. Maaari mong ipagpatuloy ang iyong membership sa programa sa loob ng
panibagong limang taon. Ipaalam lamang sa Pag-IBIG ang intensyong
magpatuloy sa programa.
Maaari ba akong magpa-rehistro sa Modified Pag-IBIG II kung hindi ako
miyembro ng Pag-IBIG I?
Hindi. Kailangang miyembro ka muna ng Pag-IBIG I bago ka magpa-rehistro sa
Modified Pag-IBIG II. Kung ikaw ay Pag-IBIG member na, kailangan mong
panatilihin ang iyong membership sa Pag-IBIG I kung gusto mong magparehistro
sa Modified Pag-IBIG II.
Maaari ba akong makinabang sa mga loan kung miyembro ako ng
Modified Pag-IBIG II Program?
Hindi. Ang Modified Pag-IBIG II ay isang programa para lamang sa pag-iimpok
kaya hindi ka maaaring mag-avail ng anumang loan base sa membership mo sa
programang ito.
Ngunit pwede ka naman mangutang para sa emergencies sa ilalim ng Multi-
Purpose Loan program o para sa pabahay kung aktibong miyembro ka ng
Pag -IBIG I at kung natugunan mo ang lahat ng eligibility criteria.
* Kung ang itinakdang dividend rate ng Pag-IBIG ay 6%
1.
2.
3.
Ano ang dividend rate ng inimpok ko sa ilalim ng Modified Pag-IBIG II?
Mas mataas ang dibidendong ibinibigay sa ilalim ng nasabing programa kumpara
sa dibidendo sa ilalim ng regular membership program o Pag-IBIG I. Halimbawa,
noong Abril 2010, itinakda sa 5.5% ang dividend rate para sa Modified Pag-IBIG II
at 5% naman para sa Pag-IBIG I. Tax-free at garantisado ng pamahalaan ang
impok ng miyembro kasama ang dibidendo.
Kailan ko maaaring ma-withdraw ang aking inimpok sa Modified Pag-IBIG II
Program?
Maaari mong ma-withdraw ang inimpok mo kasama ang dibidendo pagkatapos
6.
7.
8.
9.
Buwanang Hulog Kabuuang impok
pagkaraan ng 5 Taon*
Kabuuang impok
pagkaraan ng 10 Taon*
P500.00
P1,000.00
P1,500.00
P2,000.00
P5,000.00
P34,921.79
P69,843.58
P104,765.37
P139,687.16
P349,217.90
P81,655.02
P163,310.05
P244,965.07
P326,620.10
P816,550.25
4.
5.

suarezlyka

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Re: PAG-IBIG II
« Reply #28 on: Aug 12, 2011, 09:21 PM »
tanong lang po ako how many years ka dapat nag babayad sa pag-ibig baka mo ma avail yong housing loan nila?

rodeo

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Re: PAG-IBIG II
« Reply #29 on: Aug 26, 2011, 03:01 PM »
tanong lang po ako how many years ka dapat nag babayad sa pag-ibig baka mo ma avail yong housing loan nila?
24 months lamang po ang dapat na contribution para maka avail sa housing loan nila, AFAIK, pwede pong mag advance payment na agad ng 24-monthly contribution to immediately avail of their Housing Loan Program.

 


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