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Credit Card and Globe G-Cash — New Ways to Send Your Payment to the Pag-IBIG Fund

by Pag-IBIG Financing Admin 2 Comments

“How can I send money for my Pag-IBIG membership contributions and housing loan payment when I am out of the country?”

That is a recurring question we always get from Pag-IBIG Fund Members who are based overseas – Overseas Filipino Workers and Migrant Filipinos.

Indeed it is very inconvenient to have a representative go to a Pag-IBIG Branch and pay over the counter if that is the only way to send the payment. Slowly but surely.. and yes, still very inconvenient.

In a previous article we listed five ways to send payments to the Pag-IBIG Fund which includes:

  • Salary deduction, for the locally employed.
  • Over-the-counter payment; meaning at the branch.
  • Bank Payment (Housing Loan Only)
  • Using Remittance Companies and Agents like those of SM Business Center
  • Though post-dated checks

You can read more by following this link.

Luckily, there are some newer and more modern ways to send your payment. And if you are an OFW or in a place where access to a Pag-IBIG Branch or payment center is not possible, you may want to explore the following options.


Note: This is also applicable if you are locally based in the Philippines.

Credit Card and G-Cash Payment For Pag-IBIG Fund
Credit Card and G-Cash Payaments are now accepted by the Pag-IBIG Fund.

Option #1 : Using Credit Card

First thing you need to do is get a Pag-IBIG Membership Identification (MID) Number / Registration Tracking Number (RTN).

You have to do that online from this link:

https://www.pagibigfundservices.com/PubReg/Starter_Page.aspx

Once you have that information, you need to prepare your credit card information. It is also important that you have a valid email address and a cellphone number. The system
will send confirmation of the transaction via email and/or SMS.

Next, to follow the link:

https://www.pagibigfundservices.com/ccpayment/

Make sure you are on a SECURE Website by checking at the Browser Address Bar. It should bear the HTTPS (with S) protocol. From there, everything should be
easy to follow.

IMPORTANT NOTE: Upon completion, you will see on the screen the Merchant Reference Number and the Payment Reference Number. Make a note of these number as they serve as your proof of payment.

Option #2: Using Globe G-Cash

Simply stated, Globe G-Cash turns your cellular phone into a virtual money that you can use to pay for anything where it is accepted as a form of payment.

To be able to send payment through G-Cash, you need to register your Mobile Number first. There are basically two ways of doing this.

  1. Via Unstructured Supplementary Service Data (USSD) Protocol. To do so, simply dial mobile network (*143#) and select “GCASH” and “REGISTER.”
  2. By sending SMS to Globe with this format: REG 4-digit MPIN/Mother’s Maiden Name/First Name/Last Name/Address. Remember not to put SPACES before and after the ‘/’ symbol

IMPORTANT NOTE on G-Cash Registration: Always make sure that you use the name you register for your G-Cash Account is the same with your Pag-IBIG Fund Member’s Name. Correct spelling and all.

Everything should go smoothly and easily.

Once you have registered, the next thing is to deposit funds to your G-Cash. You can do this through:

  1. G-Cash Outlets
  2. Online Bank Transfer
  3. Mobile Phone Banking
  4. BancNet ATM

Once your G-Cash is funded, you can now proceed paying for:

1. Pag-IBIG Contributions. You need to prepare your Pag-IBIG Fund Member ID. You are limited to sending only the amount of P 100 or P 500 — that’s for the regular contribution and for Pag-IBIG II Savings.

( See also: The Pag-IBIG II Savings Program. )

2. Housing Loan. A 20-Digit Reference Number will be needed. This is the number that appears on your Housing Loan Billing Statement.

If using G-Cash is something new to you or you are in the process of exploring this option, my suggestion is for you to visit a G-Cash Outlet and ask for assistance.

Filed Under: Membership, Tips and Traps Tagged With: Credit Card, G-Cash, Pag-IBIG Payment

Email Exchange: Maximum Loan, Reactivating Member

by Pag-IBIG Financing Admin

We always receive a lot of interesting emails from our visitors. And every once in a while, we feature some which are really very important to the other Pag-IBIG members to be aware of.

For this month, we’ll share two email messages.

One email is coming from Overseas Filipino Workers couple who wanted to get a housing loan that is around 4M. Take note that there are a lot of OFW’s who can afford to pay a long term loan amounting this much, but Pag-IBIG sets a maximum limit on how much you can loan. Some of you already know what this maximum amount it, but let’s see if your case in similar to the couple.

Another email is from a former member who was separated from employment for a long time already. She wants to reactivate her membership so that she can eventually apply for a home loan. What do you think is the best approach to this?

Let’s find out below.

Topic #1: Maximum Housing Loan Amount

My husband and I are OFW and member since 2009 (but both of us are paying PAGIBIG started when we are single) and our family resides in UAE, my question are:

1.Since an individual member can get 3M max and in case we need more than that can my husband loan at the same time for the same project with the same amount (3M)?

Answer #1: The maximum is only 3M even if you combine both your incomes.

2.What is the process of lending us, are you gonna give us the cash or cheque or the PAGIBIG will pay the real state?

3.Can we get the amount and purchase the house and lot we want just in case we are buying the lot/land to a friend or realstate?

Answer to #2 and #3: Click here for the housing loan process.

The cheque will be given to the seller.

4. Can we apply the loan while we are here in UAE, for e.g. submitting letters, filled forms or necessary requirements thru email because he have a limited time and we can stay only max of 3weeks in Phils.? Can we start the application here and the rest will be doing there?

Answer to #4: I’m afraid you still have to attend the loan seminar. Please read the article above.

5. How long it will takes to apply the housing loan?

Answer to #5: The application is easy. It’s the approval that’s going to take a long time, depending on the requirements and some factors.

6. Is there a chance for me to apply housing loan for 4M?

Again, the maximum is 3M.

Topic #2: Former Member, Separated From Employment

Housing Loan Philippines There are a lot of Pag-IBIG members who are into these situations:

  • They move from one company to another.
  • They go to work abroad.
  • They are separated from employment from one reason or another.

Here is a letter sent to us by a former Pag-IBIG member who belongs to the third case above. I’m sure many of our site visitors can relate with her. Later in this article, I’ll show you how to best handle this case and what options are available to you.

Here goes the letter:

I have been separated from employment for about 6 years ago already and didn’t continue or reactivate my pagibig. Now, I realized how important pagibig in my own family.

So my question is, what are the requirements for a member separated from employment that wish to reactivate as voluntary? And also, I never had the chance to get my pagibig number because after a year of my separation of the said company, the company was also closed. And I already got married now so I know for sure there are a lot of things and requirements to prepare prior to going to pagibig office.
Your answer would really be helpful as I need to prepare my requirements before going to our Pagibig office which is 2 hour ride via bus from my place.

And here is part of my reply to the letter:

I hope you won’t rush things and sorry if I won’t answer your question as you would expect.

Having a documented source of from employment or business is far more important than becoming a member of Pag-IBIG. This is a mistake most voluntary members make: They think that if they are members, they are also automatically illegible to get a housing loan. No, you have to show enough income first. That’s the most important factor to think about.

Consider this income requirements that Pag-IBIG imposes for all borrowers:

https://www.pagibigfinancing.com/articles/2011/how-your-income-and-contributions-affect-your-housing-loan-entitlement/

That should give you an idea.

Going back to your concern, you have to answer these questions yourself: Are you currently employed right now or you have a registered business of your own? How about your husband?

Filed Under: Housing Loans, Membership

Email Exchange : Buying Preparation, Unpaid Amortization, Membership Reactivation, etc

by Pag-IBIG Financing Admin

Topic #1 : What You Should Know Before You Buy A Real Property

Subject: Preparation on Home Purchase

I have been a Pagibig member and was contributing voluntarily while I was in Philippines. I woulld like now to prepare myself in buying a home there. I have no relatives that I can send in your office. I also dont know my pagibig number and how much contributions I have made. Is there a number in Pagibig Cebu City office that I can call and an email address that I can send documents and follow up. Thanks

Here are some good links for you to consider.

  1. Tips for First Time Home Buyers
  2. Income vs Loan Amount
  3. The Pag-IBIG Housing Loan Process

Home Buying Questions

Topic #2 : What Happens If You Don’t Pay Your Amortization?

Subject: Payment information

Hi! good day, I just wanted to know from your good office if it is possible that the housing loan is not paid for 1year or more will the pagibig will not forclose the property?

The grace period for any missed payment is only 30 days. If you are unable to pay for 3 months, the property is already subject for foreclosure, but it could take a long time for them to disposed of it. You are still given a chance to redeem the unit or restructure your loan.

If you are in that situation already, please read the article on Home Loan Restructuring to save your property. Here’s a link:

Home Restructuring Program

Please visit the branch handling your mortgage loan.

Topic #3: OFW Checking Membership Status

Subject: Inquiry

I was a member of PAG-IBIG I for almost 10yrs in the Philippines but I stopped my contributions when I resigned teaching. After 2 years, I became an OFW in US but before I left I paid a certain amount in POEA because they required us to pay as our contribution. When I asked the guy (PAG_IBIG representative) he told me that my payment goes to my old PAG-IBIG contributions(that was Feb. 2011).Now I want to apply a housing loan in the Phiulippines but i don’t know the status of my membership. Could you please explain my status and how could I avail housing loan?Do you have active office that I can visit or call in America most specially in California.

Please contact me using my email address.

You need to check it at the branch which keeps your records. If you are already out of the country, you may want to send in a representative to process it on your behalf.

Since you wanted to apply for a housing loan, it helps if have an idea of the process. Please read this article:

Pag-IBIG Housing Loan Process

As for the overseas office, please refer to this link:

Pag-IBIG Directory

I hope this helps.

Topic #4: Where To Pay For Housing Loan Dues

Subject: inquiry on where to pay

good day! i applied for pag-ibig online and have received my number. but i don’t know where to pay or what requirements i still need to present to pay.can you please give me detail? thank you very much. by the way i am a licensed physician woring as a moonlighter/freelance on voluntary payment. thank you

Here are some of the ways you can pay the Pag-IBIG Fund:

How To Pay The Pag-IBIG Fund

The best one is still to do it over the counter at the branch where your records are kept.

Filed Under: Buying Tips, Housing Loans, Membership, Pag-IBIG Overseas Program Tagged With: Amortization, Housing Loans, Income, OFW Membership, Requirements

Joining The Pag-IBIG Overseas Program — Is It Really Worth It?

by Pag-IBIG Financing Admin

Did you know the difference between the Pag-IBIG Overseas Program and the regular Pag-IBIG Program, likewise known as Pag-IBIG I?

Most OFWs assume that since they are based overseas, they should be getting the Pag-IBIG Overseas Program, as they are now compelled to become members of the Pag-IBIG Fund.

Well, that’s not really the case.

Let me explain further by citing in part a message sent to us (via an article comment) by a site visitor who is an OFW based in Singapore.

I am an OFW since December 2008, and I stopped my contribution the same date. Last month, October [2011], I started to contribute again in one of your outlets here in Singapore. Since I Don’t know my Pag-ibig account no., they just gave me a new one temporarily. And they said its ok.. and can add up that to my old Pag-ibig account if i will activate the status of my old account…

1. Is it true?

2. How come? like for example if i want to avail a housing loan? you mean i need to wait for me to complete my ofw 24 months contribution?

3. Then hows my 4 years local contribution? is it like forfeited?

Actually I let my father follow up that today in the philippines. then one of the staff said that my local contribution is different from ofw and cannot combine it.. for me to have a housing loan.
what to do.?? please help. It’s so confusing po. thank you admin.

From that letter, let’s discuss the following topics as they relate to the Pag-IBIG Overseas Program and the regular Pag-IBIG membership a.k.a. the Pag-IBIG I.

  • POP vs Pag-IBIG I – Know the Difference
  • The past contributions

Let’s elaborate each of these subjects.

The Pag-IBIG Overseas Program vs The Pag-IBIG I – What’s the Difference?

You may not know it yet, but you can contribute to the Pag-IBIG Fund in the following manner:

  • Pag-IBIG I — This is the regular Pag-IBIG membership. During the inception of the Home Development Mutual Fund, this is the only membership type that’s available. As time passes, the program has grown to offer special service coverage for the Filipino workers based abroad. They rarely call it Pag-IBIG I now, but it got the name because the organization has introduced the Pag-IBIG II program.
  • Pag-IBIG II — This is a savings program, which is supposedly offering a higher rate on your money compared to the annual dividend earnings of your Pag-IBIG I money. You can only participate with Pag-IBIG II if you are a member of the Pag-IBIG I.
  • Pag-IBIG Overseas Program — Abbreviated as POP, this program was originally intended for the overseas Filipinos who wanted to become members of the Pag-IBIG Fund. This one is different and separate program from Pag-IBIG I.

(Related topic: Please check our previous article, which discusses in some details the POP Program.)

Pag IBIG Overseas program

However, since the passage of the Home Development Mutual Fund Law of 2009, where OFWs are already required to become members of the Pag-IBIG Fund, this program has been relegated to the side.

Important Tip: OFWs who are not yet members of the Home Development Mutual Fund should choose to enrol in the regular Pag-IBIG Program and not the POP. This is the only kind of membership required of you. With this program, you are already entitled to all of the benefits available to Pag-IBIG Fund members.

The Past Contributions

This scenario is very common: Before going abroad to work as an OFW, most Filipinos are already members of the Pag-IBIG especially those who have work experiences locally here in the Philippines. By the time they go overseas, they lose track of their membership and just forget about the whole thing — no more updated contributions; any existing Multi-Purpose Loan obligation is forgotten, etc.

If this is your case, remember the following:

  • All your past contributions to the Pag-IBIG Fund will stay there and will continue to accumulate dividend as the time passes, unless you happen to have an MPL Loan which you are not paying anymore.
  • Non-payment of your MPL puts a lien on your Total Accumulated Value (TAV) – that’s your money, contributions plus dividends. What will happen is that Pag-IBIG will use your TAV to pay for your personal loan. (That’s the reason why you are only granted a percentage of your TAV for your MPL loan.)
  • You can always activate your regular membership by contributing anew.

If you have some more questions related to this topic, please feel free to use the comment form below. We may have to update this article depending on the questions that we get.

The title of the article has raised this question: Is it really worth joining the Pag-IBIG Overseas Program?

What do you think? You be the judge. Make sure you also read the related articles cited as links on this article. Don’t hesitate to send us your opinions.

~~~

“Joining The Pag-IBIG Overseas Program — Is It Really Worth It?” is written by Carlos Velasco.

Filed Under: Membership, Pag-IBIG Fund QA, Pag-IBIG Overseas Program Tagged With: Membership, Pag-IBIG Overseas Program, POP

Loaning With No Income Tax Return

by Pag-IBIG Financing Admin

Here’s another letter that we’d like to share to every reader of this website. It’s about the use of the Income Tax Return as a requirement in applying for a Housing Loan. The letter is shown below.

“I want to become a member of [the] Pag-IBIG Fun. My question is, is it possible na maging voluntary member ako kahit wala akong ma-present na ITR [Income Tax Return]? Hindi kasi ganun kalaki ang kinikita ko eh.

“Hope you respond to this.

“Thank you so much.”

With reference to the letter presented above, we’ll limit the discussion on this article on the following points:

  1. Membership To The Pag-IBIG Fund
  2. Income Tax Return and Other Requirements
  3. Income Requirement

Locally employed individuals, freelancers, practicing professional, and operators of a small business in the Philippines who are interested about the Housing Loan Program of the Pag-IBIG Fund should pay attention to this article as we elaborate on the details in the succeeding paragraphs.

Mandatory Coverage

By now, you should be aware already that under the Home Development Mutual Fund Law of 2009, the following are mandated to become members of the Pag-IBIG Fund:

  • Locally employed Filipinos who are compulsorily covered by the SSS and the GSIS
  • Self-employed Filipinos with an income of at least P 1,000 / month
  • Overseas Filipino Workers
  • Filipino Seafarers
  • Uniformed members of the AFP, BFP, BJMP and PNP
  • Household helper earning at least P 1,000 per month

For these groups of people, there is no other choice but to become members of the Pag-IBIG Fund.

Voluntary Membership To The Pag-IBIG Fund

However, for the rest who also wanted to join as members, a Voluntary Membership to the Pag-IBIG Fund is available. If you should want to take this opportunity and become a voluntary member, take note of the following.

  1. You are self-contributing – That is, there is no employer counter-part to your membership contribution unlike the case for the locally employed members.
  2. Salary Deduction is NOT an Option – This should be obvious from #1 above.
  3. You may or may not be granted a housing loan. It’s important that you can demonstrate a proof that you are earning. More about this later.

(See also: Benefits of Becoming A Member of the Pag-IBIG Fund)

Income Tax Return and Other Document Requirements

Here’s a recap of the basic document requirements for the Housing Loan Application:

  • Housing Loan Application
  • Approved membership Status Verification Slip
  • Transfer Certificate Title / Condominium Certificate Title – Must be a certified true copy
  • Tax Declaration – Photocopy of the updated one
  • Location plan and vicinity map

In addition to the above documents, the following are also considered as basic requirements…

Housing Loan Document Requirements For The Self-employed or Business Owner

Now, if you happen to be a practicing professional (dentist, architect, accountant, etc), an owner / operator of a small business (more specifically a business structured as a single-proprietorship), or self-employed, the Pag-IBIG Fund says you need the following when applying for a Home Loan Program:

  • 1 year Income Tax Return (1 yr)
  • Audited Financial Statement
  • Official Receipt of Tax payment from the Bank, DTI Registration, Mayor’s Permit

As such, there’s no escaping the ITR for self-employed and voluntary members.

Housing Loan Document Requirements For The Employees?

For the locally employed, ANY of the following must be presented:

  • Notarized Certificate of Employment and Compensation (Pag-IBIG Format)
  • Notarized Certificate of Employment and Compensation (Employer’s Format) and 1 month latest Payslip/Payroll (certified by the employer)
  • Income Tax Return / Certificate of Tax Withheld (W2-Form 2316) and 1 month latest Payslip/Payroll (certified by the employer)

In other words, for the locally employed, the ITR is only optional. In lieu of that, you may use a Certificate of Employment and Compensation from your employer.

For a complete list of requirements, please visit this article.

Income Requirements

The letter sender above must a little bit worried about getting loan when she declared, “Hindi kasi ganun kalaki ang kinikita ko eh.”

Having a large income is certainly advantageous in almost any business dealings when you apply for a real estate loan. That is, a bigger income gives you a better chance of getting a bigger loan amount also; and therefore, a bigger house.

But take note, Pag-IBIG Fund was created to make it easier for the low- and mid-income Filipino families to own a decent home by gaining access to a housing loan program that offers a lower rate and longer payment terms compared to the other financing institutions like banks.

(See also: Income and Loan Amount Entitlement)

When buying a real property and financing it using the Pag-IBIG Home Loan program, the following tips should be helpful to you:

  • Determine Your Budget for the House – As much as possible, it should not exceed 30% of your combined household income.
  • Loan Term – How much is it going to cost you on a month to month basis if you will be paying the loan in 15 years, 20 years or 30 years?
  • Consider Getting a Co-Borrower – This must be avoided as much as possible. But if you really need that property, this is an option to take. (Follow this article for more options.)


“Loaning With No Income Tax Return”
is written by Carlos Velasco.

Filed Under: Housing Loans, Membership, Pag-IBIG Fund QA, Tips and Traps Tagged With: Co-borrower, Housing Loan, Income, Income Tax Return, Membership

Bigger Loan Amount, Smaller Contribution

by Pag-IBIG Financing Admin

This article is inspired by a letter sent by one of the site visitors who was planning to apply for a Pag-IBIG Housing Loan. He was doubtful whether he qualifies for certain amount of loan which is equivalent to the selling price of the a particular lot-only piece of real estate considering that the amount of contributions he is giving to the Pag-IBIG Fund is very minimal — the required minimum, in fact. The letter reads in part:

“I’m applying for a Pag-Ibig housing loan for a Php 640,000 worth of LOT. I’m employed in a private company and having a monthly net of Php 60,000 but my Pag-Ibig contribution is only Php 200 and is equivalent to Php 500,000 maximum loanable amount. How can I avail a much higher loanable amount to cover Php 640,000?”

This is the kind of letter that every Pag-IBIG Member deserves to be aware of. There are so many fine points raised by the letter sender and we will tackle three of them in the succeeding lines.

Point #1: Lot-Only Purchase

When thinking about Pag-IBIG Housing Loan, most Pag-IBIG members normally associate it with a house and lot purchase. Well, that’s not necessarily the case. Just like the letter sender, you can use it to finance a lot-only property just as well. As a matter of fact, a Pag-IBIG Housing Loan can be used in any of the following:

  • Lot-Only Property. Normally, this means a piece of lot in a subdivision. That property has to be assessed by the Pag-IBIG Fund whether its title qualifies as valid collateral for the loan.
  • House Construction. The project has to be a residential unit that is to be constructed on a lot owned by the member-borrower.
  • House and Lot Purchase. This is the most common one. If the subdivision project is accredited by Pag-IBIG, please take advantage of the assistance from your broker/agent when processing your housing loan.
  • Home Improvement. Again, the land title has to be in the name of the borrower. A Home Improvement Loan may be availed by a member with an on-going mortgage.

Point #2: Minimum Required Contribution

Looking back at the letter, you may notice that he mentioned about contributing only P 200 per month, just like most every other member of the Pag-IBIG Fund — and rightly so. With regards to the rate of contributions, the Home Development Mutual Fund Law of 2009 stated the following :

  • Employees earning more than One Thousand five hundred pesos (P 1,500.00) per month – two percent (2%).
  • All employers – two percent (2%) of the monthly compensation of all covered employees.

Further more, the Pag-IBIG Fund stated that, “The maximum monthly compensation to be used in computing employee and employer contributions shall not be more than Five thousand pesos (P 5,000.000)….”

That means, whether you are earning below the minimum wage or you are in a high-income bracket, you are required to contribute only P 200 month (including the employer’s share already).

The reasoning behind this figure is to simplify the accounting process. A rounded-off figure like P 200 is easier to manipulate than, say P 836.42. Add to the fact that some members have varying incomes month after month, this method is indeed much simpler.

Point #3: Contribution vs Loan Amount Entitlement

pag-ibig housing loan -- contribution vs loan amount entitlementPreviously, we have discussed the fact that a borrower’s loan amount entitlement is affected primarily by two factors: his income and his contributions. Please refer to that very important article on Income, Contribution and Loan Entitlement.

Well, actually this is how it works: When you apply for a Pag-IBIG Housing Loan, you will be assessed based primarily on your capacity to pay — there is a table for that which is also shown in the article mentioned above. Since almost everyone is contributing only P 200, once you qualify for a loan amount that is bigger than P 500,000, you will be asked to upgrade your monthly contribution based on that loan amount also.

So to recap: First, you apply for a particular loan amount first and then you may have to upgrade your membership contribution to a higher amount.

Other Points Of Interest:

This part is for you to answer. On the letter, he said his salary is P 60,000 per month and he wants to take on a Pag-IBIG Housing Loan amounting to P 640,000 to purchase a lot-only property. Here are some questions that you may want to unravel for yourself:

  1. Assuming the Pag-IBIG Fund has assessed the property to be P 640,000 and he is allowed a loan of only 70% of that appraised value, how much equity payment will be required of him by the seller?
  2. Based on Q #1, is there a need for him to upgrade his membership contribution?

~~~

“Bigger Loan Amount, Smaller Contribution” is written by Carlos Velasco

Filed Under: Housing Loans, Membership, Pag-IBIG Fund QA, Real Estate Finance Tagged With: Collateral, Contribution, Mortgage Loan, Pag-IBIG Housing Loan

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