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Pag-IBIG Overseas Program

The Pag-IBIG II Savings Program

by Pag-IBIG Financing Admin

Pag-IBIG Fund is not just about Housing Loans, though this is the most popular benefit offered by the institution to its members. Once you become a member of the Pag-IBIG Fund, you also participate in its Savings Program where you get yearly dividends and which you can claim upon maturity of your membership.

There are actually three types of Savings Programs under Pag-IBIG, namely:

The Pag-IBIG I (P1) Program

This is the most popular Savings program and one that recently become mandatory for all Filipino employees based in the Philippines. So far on this website, we have focused our discussions on Pag-IBIG I and Pag-IBIG Overseas Programs and there are a lot more topics to be covered in the coming days.

The minimum monthly contribution to the Pag-IBIG I program is only PhP 200 (combined employee-employer contribution.)

Pag-IBIG Overseas Program (POP)

This savings program is applicable to overseas Filipino workers (OFW) and Filipino immigrants abroad. Minimum monthly contribution to the Pag-IBIG Overseas Program is only USD 5; actual contribution will be converted to Philippine Peso upon payment.

Overseas Filipinos should learn more about the Pag-IBIG Overseas Program and take advantage of it.

Pag-IBIG II (P2) Program

This is the lesser known Savings program of Pag-IBIG Fund, maybe because it is non-mandatory. It was first introduced in 1989 for members who want to avail of larger amount for housing loan. That is, large loan must have bigger contributions. But a lot of changes has been made since then. Today, Pag-IBIG II is much similar to P1 and POP, but with much higher dividend. The minimum month contribution to the program is PhP 500 only; this is on top of your contributions to P1 and/or POP.

Q & A: Other Important Information On Pag-IBIG II Program

1. Can I participate on Pag-IBIG II if I am already a member of Pag-IBIG I or POP?

Yes, and it is also open to POP members. You have to file a separate application to do this. Remember that this is an additional contribution of at least PhP 500 per month. This of this as a savings program with a higher yield, more than anything else.

And one more thing, to participate in this program, you must be an active member of either P1 or POP.

2. Can I apply for a loan under Pag-IBIG II?

No, Pag-IBIG II is purely a Savings Program.

3. Can I withdraw my savings anytime?

Members of Pag-IBIG Fund can withdraw their total accumulated value (TAV) upon maturity of their membership only, but there are exceptions:

  • total disability or insanity
  • separation from service for health reasons
  • death

The Total Accumulated Value is your total contributions plus its dividends.

The term of this investment is five (5) years. That is, by the end of five years, you will get your TAV.

4. What are the other benefits of investing in this program?

  • higher dividend compared to Pag-IBIG I
  • your dividend is tax-free
  • your investment is guaranteed by the government

5. How much exactly is the dividend?

Remember that you are investing in a mutual fund and your dividend depends on many factors. But so far, on the average, P1 so offers 5.5% per annum and P2 is something around the 6.5% figure. That is still comparably larger than your usual regular savings account with a bank.

~~~

The Pag-IBIG II Savings Program is written by Carlos Velasco.

Filed Under: Pag-IBIG Savings And Investments Tagged With: mutual fund, Pag-IBIG I, Pag-IBIG II, Pag-IBIG Overseas Program, POP, TAV, Total Accumulated Value

Pag-IBIG Overseas Program: International Directory

by Pag-IBIG Financing Admin

An Overseas Filipino Worker who visited this website once dropped a message asking about the office of Pag-IBIG Fund in his host country.

Definitely, there are a lot of OFW’s like him who are in the same situation. Their common questions include:

  1. Is there a Pag-IBIG Fund Office in [name of the country]
  2. I am based in [host country], how can I send my payment
  3. I want to be a member of Pag-IBIG, but I am still abroad. Can I send a representative?

It is true that there are many Filipino Workers and Immigrants scattered all around the globe. Many of them are dreaming of owning a home in the Philippines. And still many of them would want to contribute to Pag-IBIG to take advantage of Pag-IBIG Housing Loan Program For the Overseas Filipinos.

Here is a short directory of Pag-IBIG Offices / Representatives present in different parts of the world. Most of them are in the Middle East where majority of the Filipino Workers are based.

But before checking them, it helps if you can get in touch with the representatives of Pag-IBIG Overseas Program in Manila. Here it is:

PAG-IBIG OVERSEAS PROGRAM
317 Justin Building Sen. Gil Puyat Ave., Makati City
Fax No. (632) 812-8971

Pag-IBIG Fund Contact In USA and North America

Love Fund USA, INC.
Suite A, 1680 Civic Center Drive
Sta. Clara, CA, USA 95050

E-mail Address : lovefundusa@sbcglobal.net
Phone : (00408) 8934210
Fax : (00408) 2461099

Pag-IBIG Fund Contact in Europe

Rome, Italy:
c/o PHILIPPINE EMBASSY
Vialle delle Medaglie d’Oro 112/114 00136
Rome, Italy

E-mail : poprome@pagibigfund.gov.ph
Phone: (003906) 39740853
Fax : (003906) 39740853

Milan , Italy:
c/o PHILIPPINE CONSULATE GENERAL
Via Stromboli 1, 20144
Milan, Italy

E-mail : popmilan@pagibigfund.gov.ph
Phone : (003902) 43510205
Fax : (003902) 43510205

Athens, Greece:
c/o Embassy of the Philippines
No. 158 Sevastepoleous St.
Ambelokipi, Athens 11526
Greece

E-mail : popathens@pagibigfund.gov.ph
Phone : +30210-6983265
Fax : +30210-6983265

Madrid, Spain:
C/O PHILIPPINE EMBASSY
Calle Eresma 2/ Calle Guadalquivir 6
28002 Madrid, Spain

E-mail : popmadrid@pagibigfund.gov.ph
Phone : +3491-7550117
Fax : +3491-4116606 (Phil. Embassy)

London, United Kingdom:
6 Suffolk St.,
London, SW1Y 4HG United Kingdom
E-mail : poplondon@pagibigfund.gov.ph
Phone : (004420) 8854-0197

Pag-IBIG Fund Contacts In The Middle East

Riyadh, KSA:
c/o PHILIPPINE EMBASSY
Site D4, Collector Rd.,
C Diplomatic Quarters
P.O. Box 94366,
Riyadh, KSA 11693

E-Mail : popriyadh@pagibigfund.gov.ph
Phone: (009661) 482-3615; 482-1577; 482-0507; 482-1802; 482-0474; 482-3559; 488-0835; 480-1918; 480-3662; 480-3688
Fax: (009661) 488-3945

Alkhobar, KSA
c/o SKYFREIGHT FORWARDERS
1st St. cor. King Fahad St.,
P.O. Box 2539,
Alkhobar, KSA
E-mail : popalkhobar@pagibigfund.gov.ph
Phone : (009663) 898-6500
Fax : (009663) 865-4482

Jeddah:
c/o PHILIPPINE CONSULATE
UMM Al-Qura Street
Rehab District
PO Box 4794 Jeddah 21412

E-mail : popjeddah@pagibigfund.gov.ph
Phone : ( +9662) 667-0925; 669-6303
Fax : (009662) 669-679

Kuwait:
c/o PHILIPPINE EMBASSY
Block 7 St. 103 Bldg.,
503 Jabriya,
Safat, 13123 Kuwait

E-mail : popkuwait@pagibigfund.gov.ph
Phone : (00965) 532-0224
Fax : (00965) 532-9319

Bahrain:

c/o PHILIPPINE EMBASSY
Villa No. 992 Road
No. 3119 Area 331,
Manama, Bahrain,
P.O. Box 26681

Email : popbahrain@pagibigfund.gov.ph
Phone : (00973)17246-300
Fax : (00973) 17676161

Qatar

c/o PHILIPPINE OVERSEAS LABOR OFFICE
Al Abraj St.,
Fariq Bin Omran
P.O. BOX 24900,
Doha Qatar

E-mail : popdoha@pagibigfund.gov.ph
Phone : 00974-4866236/ 486-1220/ 486-8001
Fax : 00974-4878599

Dubai (Consular Office)
c/o PHILIPPINE CONSULATE GENERAL
PHIL. OVERSEAS LABOR OFFICE
Villa No.2 Community 132,
3 Street, Al Wuheida Area
P.O. BOX 4960,
Deira, Dubai,UAE

E-mail : popdubai@pagibifund.gov.ph
Phone : 009714-2667745
Fax : 009714-2688050

Dubai

c/o Al Rostamani Exchange Co.
4th Floor, Al Rostamani
Group HQ Building,
P.O.BOX 10072,
Dubai Sharjah Road,
Dubai, UAE

E-mail : popdubai@pagibigfund.gov.ph
Phone : 009714-2141431
Fax : 009714-2949971

Abu Dhabi

c/o Philippine Overseas Labor Office
Villa No. 194,
Al Nahyan Camp Defense Road
Abu Dhabi, UAE

E-mail : popabudhabi@pagibigfund.gov.ph
Phone : 009712-6422489
Fax : 009712-6413415

Pag-IBIG Fund Contacts in South Asia and The Pacific

Bandar Seri Begawan,Brunei Darussalam

c/o PHILIPPINE EMBASSY
House No. 17, Km @, SPG. 126,
Jalan Tutong
Bandar Seri Begawan, Brunei Darussalam

E-mail : popbrunei@pagibigfund.gov.ph
Phone : (006732) 222916
Fax : (006732) 222917

Hong Kong:

c/o PHILIPPINE CONSULATE
GENERAL 14th Floor,
United Center Building,
95 Queensway, Hong Kong SAR

E-Mail : pophongkong@pagibigfund.gov.ph
Phone : (00852) 2823-8561; 00852-67130147
Fax : (00852)2865-3423

Singapore:

304 Orchard Road, No. 02 – 45,
Lucky Plaza,
Singapore 238863

E-mail : popsingapore@pagibigfund.gov.ph
Phone : (0065) 6737-0307 / 94236535
Fax : +65-67338048

Important Links Related to Pag-IBIG Overseas Program

  • The Pag-IBIG Overseas Program — a general overview.
  • Pag-IBIG FAQ
  • Basics of Pag-IBIG Housing Loan

Filed Under: Pag-IBIG Overseas Program Tagged With: Overseas Office, Pag-IBIG Overseas Program, POP

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