ShareThisMore on Pag-IBIG Multi-Purpose Loan
This short article is intended to supplement the original article on Pag-IBIG Multi-Purpose Loan (MPL).
We will present the information in a Question-And-Answer Format so that it will be easier for you to find those topics that are relevant to your situation.
It is worth noting that a lot of the questions we received regarding the MPL Loan has already been addressed in the aforementioned article.
In many of our articles, there are instances when we don’t answer some questions. Our apologies. But that’s because the answer has already been very obvious in the article — if only the reader spent a few more minutes reading the entire article and understanding it thoroughly.
So maybe if you want to ask something that’s related to Pag-IBIG Multi-Purpose Loan, please consult that article first and make sure that you read it in its entirety.
(The New Philippine Peso Bills Design Series of 2010 is shown below. Source: The Bangko Sentral Ng Pilipinas.)
1. Who can avail of the Pag-IBIG Multi-Purpose Loan?
The Pag-IBIG Multi-Purpose Loan is open only to Pag-IBIG Fund Members who meet the following basic qualifications:
- Active or currently contributing to the Fund at the time of loan application.
- Has made at least of 24 months contributions.
2. What is the maximum loan amount I can get from MPL?
The maximum amount is 80% of the TAV.
Are you also interested in knowing the minimum amount?
That’s easy. The minimum is 60% of the TAV.
Note again that this is a recurring question which has been addressed in the previous article. In case you are wondering what on earth is TAV or you want to get a detailed answer to this question, please read the first article on Pag-IBIG Multi-Purpose Loan.
3. What is the interest rate and term of this loan type?
The MPL interest rate is only 10.75% per annum and the loan is payable in 24 months.
4. How do I get the loan proceeds?
Once the loan has been approved, you may get the loan proceeds from the office where you made the application or it will be mailed to you. The whole approved amount may be released through:
- Check – Payable to the borrower’s name.
- LandBank’s Payroll Credit System Validation
- Philippine Domestic Dollar Transfer System
5. Can I avail of the MPL even if I still have an outstanding Housing Loan?
Considering that Pag-IBIG Housing loan is usually a long term one, that’s possible.
However, take note of the following:
- The loan should not be more than 9 months in arrears.
- The account is not yet cancelled.
- The property is not yet foreclosed.
In case your housing loan is already over 9 months in arrears, you may still be allowed to avail of the Multi-Purpose Loan if the account has not yet been cancelled or foreclosed and the proceeds of the loan shall be used to cover the arrearages (missed payments).
(See also: Pag-IBIG Housing Loan Default and Foreclosure.)
6. Can I use the Multi-Purpose Loan for Home Improvement?
Yes. As a matter of fact, it is preferable to the usual Housing Loan for use in Home Improvement in the sense that there are less documents required from you. The regular Home Improvement Loan is quite complicated with lots of required technical documents like House Design, Floor Plan, Project Costing, etc.
The only other thing to consider when you want this option is that, you can’t expect to get a large amount for your loan. But for many Pag-IBIG members, that amount is already enough to cover the expenses on renovation and improvements of the house.
Actually, you can use the proceeds of the loan in various ways. It’s all up to you.
~~~
More On Pag-IBIG Multi-Purpose Loan is written by Carlos Velasco.
Tags : Home Improvement Loan, Loans, MPL, Multi-Purpose Loan, Personal Loan, Requirements, Salary Loan, TAV, Total Accumulated Value
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nag submit na po ako ng renewal MPL application thru LBC naka address po sa Batangas branch,last February 15, 2011, bakit hanggang ngayon po ay wala pa akong natanggap na cheke or di bumalik ang aking application kung ano man po ang problema.Thank you
@Judelyn:
Please check it on that office.
hello po,tanong lang po.bumalik na po ako dito sa aking jobsite.but on jan.18,2011 nagfile po ako nang mpl sa main office sa makati ang sabi po nila processing will take 4 to 6 weeks.makailang tawag na rin po ako sa makati main office pero parang hindi yata inasikaso.it is going to be 3 months already on the 18th of april pero wala pa rin.ang tanong ko po may maantay po ba ako?alam ko po na marami ang papers na napoproseso but i thought sabi nila ang pag ibig ay maaasahanmo sa oras nang iyong pangangailangan.
I apply for a multi purpose loan and mailed it through LBC. I receive a notice of confirmation that my loan is being approved last march 30, 2011 with a total loanable amount of P17,800. But until now April 2, 2011 I keep on checking my ATM and my proceeds is not yet forwarded on my atm. Thank you..
good day! ask ko lang po about my salary loan bale 2times na po ako ng loan e ngaun po gusto ko ulit irenew dahil nakaka-anim na contribution na po ako simula september 2010-march 2011 gusto ko lang malaman kung magkano na ang pede ko ulit iloan
-ask ko rin po if ever bayaran ko ng buo un balance ko kelan at magkano ang pede ko maloan… salamat po
pwede bang malaman pano na compute ang mga multipurpose loan- kasi na renew kami ng ika 6 months, di namin maintindihan pano na compute ang net proceeds
good day po!
gusto ko po sanang itanong kung pwede po bang makapagloan sa MPL ng worth 150,000.00. 8 yrs na po akong contibutor.
salamat po nang marami!
member na po ako ng pag-ibig since 2002. and then nakapag-loan ako 2005.sa kasawiang palad nagresigned po ako. nagkaron po ng 2 years lappsed na di ako nakapaghulog.simula nung 2008 napunta po ako sa public school at nagsimula na ulit maghulog…pde pa po ba ako makapag-second loan? ano po mangyayari sa unang loan ko pano po ito mababawas? lahat po ba un ibabawas kaagad sa dati kong loan?salamat po
Hello po, isang OFW po ako dito sa abu dhabi nag pa member po ako last
july 2010 covered until june 2012 worth of 10$/month,, dito po ako nag
pa member sa PHILIPPINE EMBASSY ABU DHABI,, gosto ko pong mag loan ng
PML,, para sa kunting hanapbuhay, qualified na po ba ako kung sakaling
mag loan ako? at magkano po ang pweding kong maloan?? pwedi nyo po ba
akong makapag loan sa halagang Peso 1M?? or kahit 700hundred thousand
peso po…. hinihintay ko ang sagot nyo salamat po ng marami…
OFW po ako, ang tanong ko bakit compulsary ang pag ibig membership or pag huhulog na hinde ko naman ito kailangan.
Pag mag lo loan ako mag babayad ako nag interest sa sarili kong pera, so no logic.
2 ang bahay ko hinde ko kailangan mag housing loan. Nag try ako mag apply para bumili ng farm lot na more than 1 ha. hinde naman ako inaprobahan so kung hinde naman tutugma sa akin pangangailangan ibig sabihin hinde ko ito kailangan at hinde dapat gawin compulsary ang pag ibig kung hinde naman ito tutugma sa status ng iba na tulad ko.
Hi i am a Pilipina who lives in New Zealand .I went to Tacloban City for a Holiday and i activated my Pag Ibig contributions because i dont want lost my membership and i have plans to buy a house and lot in my Province whch is Tacloban City. I dont have any idea on how to continue my contributions with Pag Ibig Funds. If any one of your officer can help me how much will i contribute and want bank should i deposit my contributions that would be a great help for me.
@Susan:
Since you will eventually be out of the country, here are some options that you can use to pay for your contributions:
1. over the counter — you may want to have your representative do it.
2. issue a set of post-dated checks
3. pay from one of the partner banks — please check this one with Pag-IBIG.
@Elias:
I understand your point. But they just made a Law so that it becomes compulsory.
@ruby rose:
The Pag-IBIG MPL Loan is really not a big amount. Please check this link to see how much is the maximum amount granted.
http://www.pagibigfinancing.com/articles/2010/the-pag-ibig-multi-purpose-loan/
@Christopher:
Actually, it depends on your contributions. Please check this link to see how much you can possibly get on MPL Loan.
http://www.pagibigfinancing.com/articles/2010/the-pag-ibig-multi-purpose-loan/
@eleonor:
It’s something like this:
- 24 to 59 months contributions = Up to 60% of TAV
- 60 to 119 months contributions = Up to 70% of TAV
- 120 months contributions or more = Up to 80% of TAV
For details, please refer to the first article about the Pag-IBIG Multi-Purpose Loan.
@lea:
yes, that’s possible and please proceed to the Pag-IBIG Office to get a computation.
@anali:
Please check with Pag-IBIG. They may have issued a check for your loan and you have to get it from the office.
@virginia:
Better have a representative check the status from Pag-IBIG Office.
Please don’t get taken by that slogan.
good day po,
ask ko lang po sana, gusto ko po sana bayaran ng advance ung 5yrs o(60months) ko sa pag ibig in one time, possible po kaya eto? and gano po katagal pwede mag apply ng MPL para sa first timer po, maraming salamat po..:)
just have an inquiry re my housing loan, I got 750k approved housing loan payable in 25yrs with a monthly amort of 6,035.19 last June2009 and paying the monthly amortization and it’s been almost 2yrs now but I can see my loan balance is still 728,363.69. Does it mean 117,441 just went to interest for almost 2yrs? which is roughly 21,600 went to my principal loan payment? If so, how can I deal with it to make the interest lesser? Can I arrange to shorten the term so that I can use the interest that I already paid? Please enlighten me as I was shocked knowing that I’ve been paying for 2yrs yet it’s showing me that I just paid about 21,600 excluding the interest.
@erryl:
Good question. The latest article on this website discusses this topic.
Please refer to the article by following this link:
http://www.pagibigfinancing.com/articles/2011/mortgage-calculator-and-amortization-schedule-plus-how-to-save-on-your-loan-payments/
With the use of the online calculator, you can basically, understand the nature of amortizing a home loan. I hope this helps.
@toadmin:
Yes, you can pay all 5 years in advance. But take note, it’s not to your advantage.
As for your other question, please refer to this link:
http://www.pagibigfinancing.com/articles/2010/the-pag-ibig-multi-purpose-loan/
That’s the first article on Pag-IBIG Multi-purpose Loan and it shows how much you can get on your application.
Hi!
Good Day!
Gusto ko lang po malaman if incase na allowed akong magloan for MULTI PURPOSE LOAN, at first time ko palang pong mag loan, how much do I get po ba? salamat po….
Currently I am a freelancer, and I haven’t been able to contribute to the Pagibig fund, but I have been employed for 3 yrs from another employer. I was able to make 24 monthly contributions from before, can I still apply for a loan?I was intending to use it to pursue my studies.
hi,gusto ko po snang malaman F allowed me mgloan ng MULTI PURPOSE LOAN,i have been employed for 5 years at first time ko po snang mgloan,how much do i get po ba? slamat po
hello po..may housing loan po kasi ako pero nagkaroon po ng problema foreclosure na po sya pero binigyan pa din nila ako ng time para mabayran ko un. Pwede pa po ba akong mag loan ng MPL? since currently employed pa naman po ako? salamat po..
[...] of the Pag-IBIG II Program: You can’t loan against it. Remember that when you apply for a Pag-IBIG Multi-Purpose Loan, your loan eligibility depends on the amount of your TAV (contributions + dividend) from the [...]
hi,
as per our manila office, my salary loan was approved, but pagibig is not allowing any representative to get the check though an autorization
letter will be given, it so happen im a field worker and region far from your office where my loan was about to be released.hope there is an easy way on my case.
hi! I just want to verify, what if you have an existing MPL? then you’ve been paying monthly, on time but it’s still not paid and it’s already 8 months from the first time you’ve loaned. Can you loan again? thanks in advance.
@kristine:
I forgot the exact number of months, but I think that was 9 months before you can get another one.
@rolly:
That’s for security reasons.
@elppayam:
I don’t know if getting an MPL will help your problem with the property. But you can try.
@randy:
yes definitely. Please read the first article related to the MPL to know how much you can get.
@kat:
Please be informed that you need to be actively contributing to be granted a loan.
@majesty:
Yes, why not? Please try to go to the Pag-iBIG branch near you.
Tatanong ko lang po.. Wala lang po akong idea kung pano ko po macocontinue ang PAGIBIG contribution ko after 2 years na di na ako nagbabayad. Wala naman po akong Pagibig ID or hindi ko rin alam kung ano ang Pagibig account number ko. 5 years akong nakapagcontribute sa previous company ko sa pinas at 2 years na akong abroad. Pano ko po malalaman magkano talaga ang total contributions ko?
How do I know my account number in Pag-ibig? I never got any orientation or understanding about how Pagibig works before when I was working for 5 years in Phils and never bothered to get my account number unlike SSS, and now after 2 years of no contribution because Im working abroad, I want to continue it but I don’t know whether I really have existing account or not, though I always notice HDMF on my payslip. Please enlighten me, thanks!
I am a long time member in PI from 1997 to 2007 and just finish paying my lot loan but at present i’m working in other country, can i avail another lot loan?ty
Is it possible that I will pay my delinquent account in multi purpose loan and apply for a housing loan. Im working here in saudi arabia for 5 months now. I already attend a seminar for the housing loan but forget to ask that question.
also, i had a worker who wanted to apply for a housing loan to buy the house and lot of her mother that is up for foreclosure by the bank.
@paul:
It is in your favor if you pay your delinquent MPL loan. Otherwise, it will affect your chances of getting another loan in the future.
@froilan:
Since your previous loan is already fully paid, yes you can get another one.
@Cabz:
Please request it at the Pag-IBIG Branch where you are remitting your contributions while you were here in the Philippines.
@Rodel:
You just need to pay your monthly membership to be reactivated. I would suggest that you have a representative check your past payments at the Pag-IBIG branch in your place.
thank you for the answers. how can you get your pag ibig account number?
Good Day,
just a concern i hope you can help me with–
Can i still go to a pag-ibig office and apply for MPL if I submitted my application via our HR 3 days ago?
I applied for pag ibig loan via our company’s HR in Makati but I was told it might take around 2 weeks to process. So, I thought of going to Pag ibig myself to hasten the processing.
Hope you can clarify.
Thanks!
who is the owner of a house in Block 1 Lot 16 heraldville subdivision in angono rizal botong san francisco barangay san isidro.. so we can inquire to you that we were own that house
@clarissa:
Sorry, we can’t answer that one.
@yanhatei:
Yes, you can do that.
@paul:
Please proceed to the Pag-IBIG Office to inquire about your ID Number.
gud day po ask ko lang po kung ano ano po ang requirement sa home improvement loan at ano po ang mga requirments at mag kano po ang pwede ko loan member po ako since 2005 salamat po ng madami
Good day!
Tanong ko lng po kung pde mag avail ng home improvement loan even nagbabayad p din ako ng housing loan ko sa pag ibig. 6 yrs na din ako nagbabayad (for 20yrs loan. I need maybe around 400~500K. MAy nagsabi din skin na pde itong maipatong sa initial na binabayaran kong housing loan for the next 14 yrs, totoo po ba yun? thanks in advance!
pano po ba mag apply for salary loan?ano ano po ba requirements?
I want to pay here in KSA the monthly payment of my housing loan, is there any authorized bank already to this for pagibig?
If this is not possible yet, can I pay directly to metrobank or BDO which I have a savings account? How can I do that, please assist me because my wife is not paying my housing loan continuosly although I am remitting them w/o any fail for almost 3 years..
Lastly, if I will pay an amount to be deducted from “principal amount” for example this month, will it be effected & deducted immediately from my next monthly payment?
tanong kulang po kung approved naba yung salary loan ko Cebu branch. thanks
@Arlan:
YOu have to personally check it at the branch.
@Orlando:
Please check this link on how to send your payment to the Pag-IBIG Fund:
http://www.pagibigfinancing.com/articles/2011/5-ways-to-pay-the-pag-ibig-fund/
Any advanced payment that you make alwats goes to the principal.
@ma kristina:
A salary loan with Pag-IBIG is actually under the MPL Loan Program. Please check the fisrt article by following this link:
http://www.pagibigfinancing.com/articles/2010/the-pag-ibig-multi-purpose-loan/
@Jepoy:
Yes, that’s correct.
@polly:
Please read this article for the documents required:
http://www.pagibigfinancing.com/articles/2010/pag-ibig-housing-loan-requirements/
I just paid the full amount of my 1st MPL on the 24th month.I haven’t paid the monthly dues for the past 23 months.When can I possibly apply for a 2nd MPL?
@drei:
First you need to be active again by paying your new contributions. I think you can avail of another MPL especially if you had a good credit record with your first MPL Loan. Please verify at your respective branch.
Good day! Just a quick question, when buying a house & lot property, upon settlement, who will shoulder the BIR fees? Is it me (the new owner)? Coz for a 208 sq.m lot, I was told that I have to pay around Php 90,000 BIR fees. What are the fees the seller will shoulder?
Thanks in advance.
hello! I have an existing salary (MPL) loan from pag-ibig. Currently, Im not in the Philippines and relieved from work, I don’t know where I can get an update or a summary of the amount I have already paid.
hoping for your help!..
thank you..
@Jenny:
Good question. Actually, it depends on your arrangement with the seller. But usually, the BIR Fees (Capital Gains Tax, Documentary Stamp Tax, etc) should be shouldered by the seller.
@coreen:
You have to verify that one at the branch where you got the MPL Loan Proceeds.
good day!
Just want to ask kasi may housing loan ako under buy back guarantee pero account closed na sya..gusto ko sana mag MPL pero dahil nga account closed na un housing loan ko..ano ba pwedeng gawin? If ever ba na mabigyan ako ng developer ng Certificate of Buy Back Guarantee makapag avail na ko ng MPL?
@lowie:
Sorry, but that cancelled account has an effect on your eligibility to avail of the Multi-Purpose Loan.
good day admin! i would just like to ask, yung contribution for 24 months, should that be consecutive or pwedeng hindi, basta you have contributions for the last number of months? thank you po.
kakaresign ko lang po sa work ngayong month, i can still file my multi purpose loan, i have more than seven year contribution being emplyed and its my first time to apply for the loan
@april:
Yes you can, but your resignation may affect your loan application.
@hazel:
It has to be consecutive 24 mos.
may mpl loan po ako from my previous company. nung nag resign po ako hindi ko na po cya naipagpatuloy pagbayad for 2 years na ngayon. actually, may bago na akong work ngayon from other company. paano ko mababayaran yong previous na loan ko? then, magkano po yong percentage per month sa amouny na d ko nabayaran? or ok lng po ba na over the counter yong pagbabayad ko kahit may work nko sa ibang company?
pwede na ba makapagloan yun 7 months pa lng yun contribution
Good day!
ask ko lang po, kung pwedeng iadvance yung payment for my loan.. Na approve po yung loan ko last AUG and my ompany start deducting me last sept. Pwede po bang i advance yung payment ko para makapag loan po ulit ako?!
Thanks!
@Jhenny04:
Making an advanced payment is definitely acceptable. Please make sure that you do it at the office and keep your Official Receipt.
@kath:
24 months is the minimum.
@marvy:
Please understand that your MPL Loan is with Pag-IBIG and not with your previous company. Meaning, you need to pay it yourself because that’s your obligation. And yes you can pay it over the counter.
Admin sa usaping advance payment gusto ko lang malaman kung pwedeng magbayad ng maaga lets say ang total loan ko ay 460,000.00 eto ay magiging P998,278.62 (principal, interest at insurance)sa loob ng 25 years kung halimbawa nakabayad na ako ng halos 5 taon tapos biglang akoy nagkapera ng malaki at nag advance ako ng P150,000.00 sa aking principal na utang (hindi ho advance sa monthly amortization ha kundi sa principal po) tanong ko po? magkakaroon ba ng revision at liliit yung interest or makkakaroon ng pagbabago sa aking amort monthly payment ng mas maliit kaysa dati or makakaroon ng re cumputation.
maraming salamat sa mabilis na pagtugon..
joey.
Hi
Nag pa consolidate ako ng contribution ko sa pagibig. ngayon po yun 1st loan ko (multipurpose loan) hindi pala nabayaran ng dati ko office. so ang nagyari na offset siya pero fully paid na nagyon. ask ko lang possible na ba ko mag renew ng loan? kahit hindi nabaayaran an loan ko on time kse na offset siya sabi ng branch na pinuntahan ko?
thanks
@anne:
Yes you may, but not very immediately. Remember that, the loan amount will also depend on your contributions. You may have to continue with you contributions before you can get another one.
@joeylito:
You are right. Either the loan term will be shortened or you will be paying lesser as a result of that lump sum payment.
pano po makakakuha ng or i use pdc for payment popondohan ko po ba then san po ako makakkuha ng o.r na nareceived nila ang payment at nasa account ko unang payment po ba ay sa sa developer then sa pagibig na ang ang ibang payment
hello admin, gusto ko po sana magloan, kaso nawala po ang ID ko at nandun ang security number sa ID. paano po kaya ako makakapagloan or kukuha ng bagong ID? salamat po.
good afternoon,balak ko po kasing mag apply ng 2nd MPL ang problema po na undoy po yung check voucher hindi ko po naipasa sa company ko thats one year ago it means na hindi pa po ako nakakabayad but im an active member of pagibig,pwede po ba akong mag-aplly for 2nd MPL…ty
good afternoon po,gusto ko po sanang mag apply for MPL for the 2nd time ang problema po na-undoy yung 1st MPL loan check voucher ko di ko po naipasa sa company na pinapasukan ko it means na di pa po ako nakakabayad pwede po ba akong mag apply ulit ng MPL… ty po.
Hi.. Tanong ko lang po kung paano malalaman ang inaply kong loan last november 3 if approved na o processing nah.. Pwede bang malaman thru online?
hello poh, ask ko lang po pwede ako maka avail sa home improvement loan at how much maximum amount ang maloloan ko poh at for how many years bayaran at saka ang interest.thanks
good morning… 12 years working as gov’t employee then i resign and clear my account which i again some amount na they said will be my saving s..now i’m OFW and start again my contribution under the POP… may ask if my saving and POP contribution can merge … i want to avail MLP pag uwi ko… if now how my contribution needed ti avail a MLP under POP… and can i advance my contribution to avail such MLP…thankz in advance
gud pm…i have an existing PAG-IBIG housing loan P2,300 monthly amortization, loan term of 120 months or 10 yrs..i have completed 44 months…my question is, can i avail another loan for house improvement or do i have to pay my remaining balance of my existing loan?ty
I have a MPL, lumipat po ako ng employer almost three months na po ako sa bago kong work. ask ko lang po kung paano makakakuha ng voucher for MPL? at kung paano compute ang penalty ng delayed payments..
1/2% pala yung penalty every month.
ask ko nlng po paano makakuha ng voucher para ma salary deduct nlng yung payments ko.
gud am admin, can i still file an MPL loan even if i have existing Short term loan??
would just like if i can renew my multi-purpose loan though i still have an existing one? october 2010 ko nakuha yung first loan ko and i was informed na pwede na daw mag-renew six months after myfirst loan. di lang ako sure kung pwede nga…
Hi admin, Can I ask how much is the proceeds of loan (MPL loan) if I belong to those who have posted contributions between 24 to 59 months? Can you give me a specific amount?
Thank you very much.
I’m in the process of securing a loan.
Hoping for your immediate response.
pwede po b malaman kung ilang buwan pa ang utang ko s salary loan q. Kung nagbayad nga ba talaga ung office namen. pacheck naman po.
Alvin alamag may 19 1987 . Thanx
tanong kulang po kung magkano ang pwedeng maloan ng asawa ko sa multi purpose loan mag seseven years na sya naghuhulog sa pagibig isa syang OFW
Hi! Magtanong lang po ako kung paano makakapag loan ng home improvement pati requirements at kung pwedi pa kahit naumpisahan na yong construction kinulang lang sa budget
Thanks
pag ang OFW ba may automatic membership? paano po ba ako makaka pagmember malayo po ako sa branch ng pag ibig office dito sa riyadh saudi arabia? may ibang way po ba para makapag member sa status ko ngayon?
@danie:
It’s not automatic, but you are already required to become a member. YOu can do that at the POEA office when you are back here in the country. Or, you can have a representative do that at the branch of your choice.
@Pete:
Please check here for the requirements of the housing loan:
http://www.pagibigfinancing.com/articles/2010/pag-ibig-housing-loan-requirements/
@sheila:
The maximum MPL Loan he can possibly get is 80% of his TAV. Please read item #2 on the article above.
@alvin:
Please check it at the office.
@Joanne:
Please take time to re-read the above article. It is mentioned on item #2.
@gem_in_i:
yes
@john:
Well, the depends on the status of your existing MPL Loan.
@Ryan:
You can request it at the office.
@Wilmar:
That’s possible since it’s for home improvement.
@jeanie:
Please take note that POP is different from the regular membership program.
@michael:
Well, the amount will depend on many factors like the cost of the project and your capacity to pay.
@Winkle:
You can to call them to follow up.
@Joeven:
Remember that an MPL that is not paid will affect your TAV from which your MPL Loan amount is based. In other words, your TAV may have already been used up.
@cathy:
Yes, the ID is a requirement.
@mel:
When you issue a PDC, please ask for an acknowledgement that they receive it and also the successive OR when it is due.
hello po,
i am currently working abroad po, uuwi po ako ng pinas this 2012 february. Gusto ko po sana magloan kasi papagawa ko po yung bahay namin, nagkulang po yung pera ko kasi. anong klaseng loan po ba ang pwede kong ma avail? more than 10 years napo akong member ng pag-ibig, at wala po akong existing loan. i continued contributing po, till now.
HI can i pay past due home loand bills on Metrobank Online Banking? or SM bayad center?
Thanks
Ano kailangan sir kung magbabayad over the counter sa MPL.?
hi admin,
I would like to ask if I can directly file my MPL application in any Pag-ibig office,eventhough I’m currently employed. I already submitted my req through my employer and they told me that it was declined because my contributions are not yet consolidated. However I already submitted a consolidation form to them 4months ago. So, im thinking that they are not doing they’re job. Please reply asap. Thank you!
hi admin.. ung voucher ko kc ng loan ko sa pinoforward ko sa HRD ng dati kung work. Tpos ngaun, gusto ko sna ituloy ang payments, pro hinihingian ako ng copy ng voucher ng HR nmin ngayon. Saan po ba ako puedeng kumuha ng copy ng voucher ko?
[...] Click this link to know more about the Pag-IBIG Short-Term Loan Program. [...]
Im an OFW here in UAE and have a contribution of 5$/month for more than 3 yrs. Is it possible to increase my monthly contribution to get a higher loanable amount.
@Edwin:
Yes, you can do that.
@Debie:
I’m not sure I understand what you are talking about.
@Anna:
Yes, you can apply directly, but maybe your employer is also right.
@Ryan:
You just need to know whose account you are paying and for what purpose. It would also be helpful if you can bring your Billing Statement.
@Shiela:
I’m not sure about the metrobank’s online banking facility, but you can always use the SM Payment center.
@dredz:
You can use either the MPL Loan or the home improvement loan.
kakaresign ko lang po sa work noong january 25, 2012 and I still have pending mpl but I already paid at least 6 months or more. I’m planning to apply for another mpl this time. I’m currently getting my income sa part-time job ko which is being an event organizer. do you think I’m eligible to apply for another mpl?
For the multipurpose loan, how much will a member receive when load is approved?
sir nagloan ako nung 2008 o 2009 ata. eh hindi ko napasa voucher sa employer ko … so hindi ako nakakaltasan. may amnesty o condonation ba ang pag-ibig ngayon? pano ko malalaman kung magkano na yung kelangan ko bayaran?
@Maria:
Always remember that in any loan application, some proof of income is very important in evaluating your application. If you can show them
that you have the means of paying the loan, you may be granted.
@Krissyo:
Please re-read the article above. The maximum is 80% of the TAV.
@harvey:
Is this a housing loan? if so, please refer to this link:
http://www.pagibigfinancing.com/articles/2012/home-loan-restructuring-program/