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PAG-IBIG II

arnel · 92 · 63529

freelancer_babe

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Ang self-employed ba classified na voluntary member sa PAG-IBIG?

Nope. Not voluntary.

pwede bang mag avail ng  housing loan sa pag ibig  para pambayad ng housing loan sa bank??

Hahahahahaha!


Ryans

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Tanong lang po

S mp2 pwedi po ba maghulog ng iba ibang halaga halimbawa 500 next month 1500 tapos 1000.
Salamat


freelancer_babe

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Tanong lang po

S mp2 pwedi po ba maghulog ng iba ibang halaga halimbawa 500 next month 1500 tapos 1000.
Salamat

Pwede, pero hassle.

Pipila ka muna kasi sa member services nila bago tanggapin ng cashier ang bayad. Yan ay kung individually paying ka - derecho sa Pagibig nagbabayad. Di ko alam ang arrangement kung employed ka.

Di tulad kung fixed yung babayaran. Cashier na agad. Basta dalhin mo lang ang previous month receipt.
« Last Edit: Jun 04, 2013, 07:20 AM by freelancer_babe »


Uchiha27

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Any updates if di na tax deductibel ang Pag Ibig II ?


bilagan2004

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Tax free po e2 kc five years ang maturity.. I read it from their website..


Uchiha27

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Tax free po e2 kc five years ang maturity.. I read it from their website..


Sir sa website po nila nalalagay na tax free and deductible daw contribution mo so at the same can be used as tax shield . However , BIR wants to tax it and to exclude it as tax deductible . So ano na nga ba update ? Tax free pa din po ba to o di na .


Ryans

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Tanong lang po?

1 Pano po ba magregister sa MP2?
2 At kapag nagregister ka sa mp2 ano po ang ibibigay sayo na patunay na register ka na?plano ko po kasi sa net lang mag register.
3 Pano po maghulog sa mp2?
4 Pwedi ko po ba e-check sa net yong mga hulog ko o sa mismong pag ibig office lang pwedi huminge ng copy?

Salamat po ng advace
Ofw po ako.


SILAHB47

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Sir, curious lang po. Nag effect na po ba yung BIR RMC 53-2011?


Uchiha27

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Sir, curious lang po. Nag effect na po ba yung BIR RMC 53-2011?

Anyone po here who can confirm if BIR RMC 53-2011 Is already in effect  ?


palailai

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I personally pay my MP2 directly at HDMF Office....sol walang effect effect yang BIR na 'yan..


Uchiha27

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I personally pay my MP2 directly at HDMF Office....sol walang effect effect yang BIR na 'yan..


Sir , Can you please expound on this po ?

As far as I know a lot of investors went crazy over Pag Ibig II is because its tax deductible  and tax exempt . But BIR , would not want  to recognize it as a tax deductible hence the BIR RMC 53-2011 .  Also Im not sure if  the proceeds are taxable after the holding period .and whether proceeds will be taxable or not would be dependent on  that same ruling .

Can someone clarify this po ?


naya

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BIR RMC 53-2011 is about withholding tax sa mandatory contributions to SSS, Pag-ibig and GSIS by EMPLOYEES. So affected lang tayo ng circular na ito kung Employee tayo.
Yong Pag-ibig 1 contribution, mababawas muna sa Gross Income bago ma-compute ang withholding tax.
Yong Pag-ibig 2 contribution, ma-compute muna ang withholding tax bago mabawas sa Gross Income. In short, kasama ang P2 sa Taxable Income.

So if we're not Employees -- maybe we're self-employed, or OFW -- wala namang nag-wi-withhold ng income tax natin, so hindi tayo affected ng 53-2011.

Ang dividends sa Pag-ibig 1 and 2 savings ay hindi taxable; nasa HDMF Law of 2009 or RA 9679. It needs another law from Congress to amend it.

Sec.19. Exemption from Tax, Legal Process and Lien
...and all benefit payments made by the Pag-ibig Fund shall likewise be exempt from all kinds of taxes, fees or charges....

Implementing Rules and Regulations of RA 9679 or HDMF Law of 2009.
Rule IX Section 4:  ...All dividend earnings shall be tax-free


palailai

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Sir , Can you please expound on this po ?

As far as I know a lot of investors went crazy over Pag Ibig II is because its tax deductible  and tax exempt . But BIR , would not want  to recognize it as a tax deductible hence the BIR RMC 53-2011 .  Also Im not sure if  the proceeds are taxable after the holding period .and whether proceeds will be taxable or not would be dependent on  that same ruling .

Can someone clarify this po ?


I fill up POP (payment order form) at HDMF Office, wait for my number at the cashier...tapos na..

Be sure to tick MP2 or P2...


kcmendoza

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4% tax free nalang ang annual interest ng pagibig 2 base sa tfc advertisement ngayon bumaba na kumpara dati 6%


pvc1900

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4% tax free nalang ang annual interest ng pagibig 2 base sa tfc advertisement ngayon bumaba na kumpara dati 6%

ok lang yan... kasi hindi naman fix talaga ang interest rates. effective at market rates din ang basehan nila... just think of it this way, SOOOBRANG layo ang binibigay na interest rate ng PAG-IBIG, COMPARED sa mga investment products ng mga banko at a relatively lower amount.

ung mga 4% 5% or even 3%, million ang kailangan mo para makuha mo yang rate na iyan.. e tayo maghulog lang ng 1k/ mo. for 5 yrs e mga PhP 60,000 lang pero between 3-6% pa rin ang makukuha natin :)


kikay_trader

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palailai

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you can only invest in MP2 or P2 if you are a member of Pag-Ibig 1 (P1)...that is the only requirement in opening MP2...Just visit Pag-ibig Office in your area.


francescasantos

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It has been 5 years now since this became available to the public right? Had someone or anyone tried to redeem it yet? in 5 year term? How was it? pinahirapan ba kayo ng mga taong walang pagibig sa mga sariling kababayan, I mean ng mga tao sa pagibig office?

Your inputs and stories would be very helpful to all who are interested in this.

And also, this should be taken advantaged of kasi this also serves as tax shield, the more na marami ka kinocontribute on top of your monthly statutorial contributions, lumiliit ang taxable income.


palailai

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Yes I redeem my MP2 last June 2015 walang hassle sa pag claim....nag mature ang MP2 ko March 2015 pero June 2015 ako nag file para included ang 2014 Dividends...kc evry June ang crediting ng past year dividends...


PwedePadala

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Pwede pa maghulog once at the end of the year para isahang bayad lang? Nagkakaroon ba ng interest based sa total contribution at the end of the year?


hwbs@com

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How to compute dividends in MP2? for example: If Nag avail po ako ng MP2 last august 2017 and I deposited 500,000 using one time remittance. For the yr 2017, interest rate was 8.11%. Ano po ang amount ng dividends po?


rodeo

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How to compute dividends in MP2? for example: If Nag avail po ako ng MP2 last august 2017 and I deposited 500,000 using one time remittance. For the yr 2017, interest rate was 8.11%. Ano po ang amount ng dividends po?
8,110 pesos per 100k, so times 5 equals 4,055 pesos...  and it will be compounded the following years... till year no. 5...


 


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