Tag Archive: PAG-IBIG


08 - 31

They say the greatest gift your father can give you is his name.  However for women, their father’s names get replaced with their husband’s when they marry.  They embrace the heritage that comes with their new last name and become associated with the husbands’ family tree.

Do women have the option to keep their father’s names after they get married?

The answer is yes.  In reality, marriage only requires a woman to change her civil status, not her name.

You can find the answer in Article 370 of the Civil Code, where a married woman’s options regarding using her husband’s last name are enumerated:

A married woman may use:

  1. Her maiden first name and surname and add her husband’s surname, or
  2. Her maiden first name and her husband’s surname or
  3. Her husband’s full name, but prefixing a word indicating that she is his wife, such as “Mrs.”

The law does not mandate women to change their last name to their husband’s after getting married.  She just has to be consistent with the choice she makes, whether to keep her maiden name, her husband’s last name, or as a Mrs. Husband’s First and Last Name.

Updating your civil status is a different matter and is something you have to accomplish a few weeks or months after your wedding.  Most women prefer to wait until they have a copy of their marriage certificate, which is released by the PSA (formerly NSO) three to six months after the wedding.  Nonetheless, it is an errand that every newly married lady must accomplish.

The government IDs and forms that you need to update with your married civil status are:

  1. BIR Records
    • Secure a BIR Form 2305 – If there’s one document that you need to update, it is your tax documents because then, you get to enjoy certain incentives that are available only to married citizens.
  2. Social Security System
    1. Go to the SSS website and download a copy of the Member’s Data Change Request.
    2. Fill out the downloaded document and submit this personally at any SSS office.
    3. You may also update your list of beneficiaries.
  3. Philhealth
  4. Pag-IBIG
    • Click on Update Registration Information using the Pag-IBIG Membership ID Number (MID Number).

Passports, Voter’s IDs, and Postal IDs may be updated at a later time as these do not require you to declare your civil status.  Just be consistent with the name that you use in all of your IDs to avoid confusion and ineligibility in your future claims from these government agencies.

Again remember, changing your name after getting married is an option, not a requirement.  Only your civil status has to be updated.

Sources and References:

http://pcw.gov.ph/law/republic-act-386www.gmanetwork.com

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07 - 31

Like your savings deposits in your bank, you also have the option to withdraw your contributions from the Home Development Mutual Fund (HDMF) or Pag-IBIG.  Each member has the right to refund their total accumulated savings or TAV, which includes their monthly savings, employer share, and total annual dividend earnings.

There are, however, certain criteria that a Pag-IBIG member needs to satisfy before he is deemed eligible to withdraw his contributions.

Find out how a member can qualify for Pag-IBIG fund withdrawal and the requirements when requesting for a refund.  Read on!

What are the criteria for membership termination and refunding of Pag-IBIG contributions?

A. Membership Maturity

  • Member must have at least 240 monthly membership contribution.
  • Pag-IBIG Overseas Program (POP) members should have accumulated 4, 10, 15, or 20 years contributions depending on the option chosen upon membership registration.

B. Retirement

  • Member must be at least 65 years old – the mandatory retiring age.
  • Optional retirement may be availed due to the following circumstances:
    • Actual retirement from the SSS, the GSIS, or a separate employer provident/ retirement plan, provided the member has at least reached age 45.

C. Permanent Total Disability or Insanity

  • Temporary total disability lasting continuously for more than 120 days;
  • Complete loss of sight of both eyes;
  • Loss of two limbs at or over the ankle or wrist;
  • Permanent complete paralysis of two limbs;
  • Brain injury resulting in incurable imbecility or insanity; and
  • Such other cases which are adjudged to be total and permanent disability by a duly licensed physician and approved by the Board of Trustees.

D. Termination from service by reason of health.

E. Permanent departure from the country.

F. Death

The benefits will be divided among the member’s legal heirs in accordance with the New Civil Code as amended by the New Family Code.

Requirements when claiming your Pag-IBIG Fund Refund

  1. Application for Provident Benefits Claim
  2. Pag-IBIG Transaction Card and one (1) valid ID card with photo and signature of claimant.
    • If the Pag-IBIG Transaction Card is not available, two (2) valid ID cards with photo and signature of claimant.
  3. Service Records (for government employees only).
  4. Statement of Service (for AFP)

Additional Requirements depending on reason for claim:

Death

  1. PSA Certified True Copy of Member’s Death Certificate 
  2. Notarized Proof of Surviving Legal Heirs
  3. PSA Certified True Copy of Birth Certificate of all children or Baptismal / Confirmation Certificate (if with children).
  4. Notarized Affidavit of Guardianship (if with children below 18 years old, or if child/children is/are physically or mentally incompetent).
  5. To establish kinship with the deceased member, the claimant shall submit any one of the following:
    • PSA Certified Tru Copy of Member’s/Claimant’s Birth Certificate
    • PSA Certified True Copy of Non-availability of Birth Record and Notarized Joint Affidavit of Two (2) Disinterested Persons.
    • Certified True Copy of Member’s / Claimant’s Baptismal / Confirmation Certificate.
    • If member is single, Certificate of No Marriage (CENOMAR).
    • If member is married, PSA Certified True Copy of Member’s Marriage Contract and Advisory on Marriage.

Retirement

  1. PSA Certified True Copy of Birth Certificate
  2. PSA Certified True Copy of Non-availability of Birth Record and Notarized Joint Affidavit of Two Disinterested Persons.
  3. Notarized Certificate of Early Retirement (for private employees only, at least 45 years old).
  4. GSIS Retirement Voucher (for government employees).
  5. Order of Retirement (for AFP).

Permanent Total Disability or Insanity / Termination from the Service by Reason of Health

Physician’s Certificate / Statement (with clinical or medical abstract).

Permanent Departure from the Country

  1. Photocopy of Passport with Immigrant Visa / Residence Visa / Settlement Visa or its equivalent.
  2. Notarized Sworn Declaration of Intention to Depart from the Philippines Permanently (no need to submit if already based abroad).

Procedure on how to claim refund:

  1. Visit the nearest Pag-IBIG Fund office in your area.
  2. Present your ID to a Pag-IBIG staff and inquire about fund withdrawal.
  3. Your Pag-IBIG account will be verified for any applied or outstanding housing loan or short-term loan.
  4. You will be advised to secure your application for Provident Benefits Claim after verification.
  5. Submit your application form and get your claim stub with the date when refund check is ready for pick-up.

You may request for your TAV print out by visiting the nearest Pag-IBIG office or by sending them an email at contactus@pagibigfund.gov.ph.

Source: www.pagibigfund.gov.ph

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06 - 20 (1)

After getting married, the next thing the couple needs to attend to are the updating of their IDs and other public documents, from their old civil status to that of married.  For women, they also have the option to change their maiden last name and begin using their husband’s last name in their IDs and government documents.  Take note that changing the woman’s last name is not mandatory; women have the option to keep their maiden last name for as long as they want.

To help newlyweds get started on this rather daunting task, we are sharing the following information, requirements, and processes involved in updating your marital status and changing your last name:

I. PHILHEALTH

  1. Bring a photocopy of your PSA Marriage Certificate and the original for verification.
  2. Advise the customer service personnel that you wish to change your marital status; you should be given a blank Membership Form.
  3. Your marital status should be accomplished while you wait; you will also be issued a new Philhealth ID.
  4. This can be done at any Philhealth office or satellite office.
  5. Updating of status and changing of name is free of charge.

II. Bank Records

  1. Bring a copy of your PSA Marriage Certificate; bank personnel normally photocopy the documents within bank premises.
  2. Bring valid IDs.  Banks like BDO and Eastwest prefer IDs that already bear your married name.
  3. Advise bank teller that you want to update your marital status and change your last name.  Most banks do not charge any fees for such updates.

III. Pag-IBIG

  1. Bring the original and photocopies of your PSA Marriage Certificate and valid IDs.
  2. Advise frontline personnel that you wish to update your marital status and last name.  You will be given an MCIF (Members Change of Information Form) for you to fill out.
  3. This can be done at any Pag-IBIG branch office near you.
  4. Updating your information is free of charge but if you wish to get a Loyalty Card, prepare Php 100.00.
  5. Updating of member’s information can be accomplished while you wait.

IV. SSS

  1. If you are employed, advise your employer that you wish to update your SSS data.  You will be given a Member’s Data Amendment Form (E4).  Fill it out and submit to your HR.
  2. Attach a photocopy of your PSA Marriage Certificate, SSS, ID, and an authorization letter for your employer to process this on your behalf.
  3. Updating your SSS details is free of charge but requesting for a new ID (UMID) will cost you Php 300.00.  The new ID may take a two to three months before it is issued to you.

V. Passport

  1. Confirmed appointment date and time; you may secure an appointment online at www.dfa.gov.ph
  2. Download a copy of the form online, accomplish it in your handwriting, but do not sign until you are in front of a DFA personnel.
  3. Get a complete list of required documents and IDs from the DFA website; double-check that you have all requirements on the day of your appointment.

VI. Driver’s License

  1. Bring the original and photocopy of your PSA Marriage Certificate and your current or expired license.
  2. Submit a duly accomplished Application for Driver’s License.
  3. This may be done at any LTO branch and should be accomplished within the day.  Be at the office early.

Sources:

www.lto.gov.ph

www.dfa.gov.ph

www.sss.gov.ph

www.pagibigfund.gov.ph

www.philhealth.gov.ph

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01-18-2

We all know that the process of applying for a Housing Loan with the Pag-IBIG fund can be a long and daunting course.  Most of the time, applicants are compelled to take a leave from work and hop from one government office to another in order to complete the necessary documents.  After submitting all the documents, applicants are requested to wait for a long time before they are given the results of the Pag-IBIG’s evaluation.

Well, Pag-IBIG has some good news for housing loan applicants!

The Pag-IBIG Online Housing Loan Application has been launched and interested home buyers may now submit their applications online!  This makes the entire process of applying for a home loan so much easier because you can do it right at the comfort of your home!  The site is currently on its soft launch phase but all the links are working perfectly already.

Here are the updates you can expect from the simplified housing loan process:

  1. You may now apply for a Housing Loan online by logging in to http://www.pagibigfund.gov.ph/housingloan/.  Once logged, key in your MID Number (Membership ID Number) or your RTN (Registration Tracking Number) in order to access the application page.
  2. In the same site, you also have the option to view a rough estimate of your amortization using the Amortization Calculator.  There is a clickable link at the bottom of the page.
  3. If all the documents you have submitted for your loan have fully satisfied the requirements, you can expect to be given the results of your application in 20 days.
  4. From 14 basic documents, you are now only required to submit 7.  Take note though that the Pag-IBIG might require for additional papers, depending on the results of evaluation:
    • Housing Loan Application with recent ID photo
    • Proof of Income
    • One valid ID
    • Transfer Certificate of Title (TCT)
    • Updated Tax Declaration and Updated Real Estate Tax Receipt
    • Contract-to-sell
    • Vicinity Map

Apart from the online application, Pag-IBIG is also targeting to turn their offices into one-stop shops.  This means that members, beneficiaries, and applicants no longer need to go from one government office to another to secure copies of documents required by Pag-IBIG.  There will be designated desks in Pag-IBIG offices where applicants can simply request for copies of their documents and these will be processed while they wait (similar with the presence of LRA personnel in some Pag-IBIG offices).

Applicants may still file their housing loan applications in any of the 113 branches of Pag-IBIG.  Word of the wise: Pag-IBIG offices tend to have lesser foot traffic during the first two weeks of the month.  You may want to schedule your visit during these days.

Follow us for more updates on Pag-IBIG application processes!

Source: http://www.pagibigfund.gov.ph/housingloan/

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11-21

Wondering if you are already qualified to apply for a housing loan with Pag-IBIG?  Here’s how you can run a quick assessment based on the requirements published by Pag-IBIG.

There are four key considerations you need to take note of when applying for a housing loan:

  1. Your Pag-IBIG Membership
  2. Your Age
  3. Your Capacity to Pay
  4. Other Pag-IBIG loans you may have

What do you need to check before you submit your housing loan application?

  1. Your membership status.
    • Your membership must be tagged as active and you must have made a minimum of 24 monthly contributions at the time of your loan application.
    • If you have not made consecutive monthly contributions within the last 24 months, you may make a one-time payment to update your account. However, you need to wait for another 24 months before you can apply for a housing loan (some branches allow 12 months).
    • If there are more than one member who will be applying a loan for the same property, all of them must meet the membership status requirement.
    • Pag-IBIG allows up to three members to avail of a single housing loan provided that they are related with the second civil degree of consanguinity.
  2. Your age.
    • The borrower member must not be more than 65 years old at the time of the loan application.
    • The borrower member must not be more than 70 years old at the date of maturity.
    • The borrower member must be insurable.
  3. Your capacity to pay.
    • Your monthly amortization should not be more than 40% of your Net Disposable Income. You may request for a Monthly Amortization and Net Disposable table from Pag-IBIG; you may use this as a reference of monthly amortization rates based on the total loanable amount.
    • You must be prepared with the funds for down payment or equity.
    • You must also have an updated file of your proof of income such as your Pay Slips, Income Statements, Employment Contract where your salary is indicated.
  4. Other Pag-IBIG Loans.
    • You may only apply for and be granted one housing loan at a time.
    • Any previous housing loans with Pag-IBIG must not have been foreclosed, cancelled, or bought back.
    • Payments for outstanding Multi-Purpose Loan must be updated and must not be in arrears at the time of application.

The best time to apply for a housing loan is while you’re in your 30s and early 40s.  Should you get disqualified on your first application, you can always try again after a year or two.

The secret is in keeping your Pag-IBIG contributions updated all the time and maintaining a good credit score.

Good luck on your housing loan application!

Sources:

http://www.pagibigfund.gov.ph/

How To Check If You Are Qualified For A Pag-IBIG Housing Loan

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National ID System

In 2015, the House of Representatives approved House Bill No. 5060 requiring all Filipinos to be issued a national identification card.  This covers Filipinos in the country and those residing abroad.  It shall serve as the main identification of Filipinos and will be required for all government transactions such as applications for driver’s license and passports, SSS and GSIS claims, use of Philhealth privileges, and applying for a clearance from the National Bureau of Investigation and the Philippine National Police.

The bill has yet to be decided on by the Senate.

Currently, the general requirement for public and commercial transactions is for an individual to present at least two government-issued ID cards to validate his identity.  It would be easy for a Pinoy to simply present an SSS, GSIS, Philhealth, Driver’s License, Voter’s ID, Senior Citizen ID, or a Professional Regulation Commission ID if his livelihood, profession, or age has qualified him to own any of these.  Otherwise, a Postal ID or a Passport would also be required.  Seldom though that a person has at least two of any of the above IDs.

The need to have a national identification paved the way for the Unified Multi-Purpose ID Card (UMID) issued to SSS, GSIS, Philhealth, and Pag-IBIG members.  The UMID, however, discriminates against citizens who have not sought membership from any of the mentioned agencies, decreasing its merit as a national ID.  It leaves out the self-employed, unemployed, minors, and Pinoy workers abroad.

The national ID covers all citizens of the Philippines, regardless of their geographical location, employment status, skills, and age.  An individual’s national ID may be replaced only when:

  • A child reaches the legal age of 18 years old;
  • A woman who got married and wishes to adopt her husband’s last name as her own;
  • A woman who has been granted annulment from her marriage and wishes to revert to her maiden last name;
  • In case of loss or destruction.

It shall be made of tamper-proof and printed on security material and will be valid for life.

Some groups contested the national ID system as it is vulnerable to security issues such as violation of privacy and identity theft.  In order to address these concerns that threatened to nip the proposal in the bud, the bill included sanctions for imminent abuse of the system.

The entire nation is waiting for the Senate’s final decision on the proposal.  Meanwhile, let us hold on to our government-issued ID card/s, making sure that these are updated and valid all the time.

Do you agree that we, as a nation, must have a National ID System?  Tell us what you think!

Source: http://business.inquirer.net/192804/national-id-system

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The highlight of an individual’s adult life is when he begins acquiring assets out of the money he earned from his employment or business. Our foremost dream is to be able to purchase our own home where our family can reside safely and peacefully.

With Pag-IBIG’s housing loan, buying a house has become easier and more affordable for the Filipino. So if you are planning on buying a house, a condominium or townhouse unit, and thinking of getting it through a Pag-IBIG Housing loan, here are the requirements and processes you need to undergo. It may look like a long list but believe me, it is a lot easier than most of us think.

This was lifted from the Pag-IBIG website: www.pagibigfund.gov.ph

  1. Get your checklist of requirements, Housing Loan (HL) application form and other related forms at:
    • For NCR Accounts: Servicing Department, 2nd floor JELP Business Solutions Building, 409 Shaw Boulevard, Mandaluyong City
    • For Provincial Accounts: Any provincial Pag-IBIG branch office.
    • You may also access the form at www.pagibigfund.gov.ph, click on “Forms”
    • Accomplish the following forms prior to filing:
      • Health Statement form (Medical Questionnaire)
        • For OFW members over 60 years old
        • For Loans over P2M to P6M and for borrowers aged up to 60 years old.
      • Health Statement Form (Medical Questionnaire) and Full Medical Examination
        • Borrowers over 60 years old
  2. Submit your Housing Loan Application to the Pag-IBIG Fund with complete requirements. Pay partial processing fee of P1,000 (non refundable).
    • For NCR Properties, file at any of the following:
      • JELP Business Solutions Building: 409 Shaw Blvd., Mandaluyong City
      • Kamias Branch: 795 Anchor Center EDSA, Quezon City
      • Imus Branch: Olma Bldg., Emilio Aguinaldo Highway, Imus, Cavite
      • Provincial Properties: To be filed at the Pag-IBIG office nearest the subject property
      • Processing period: 20 working days (inclusive of Credit Investigation and Property Valuation)
      • You may also file your HL application online via www.pagibigfund.gov.ph, click “E-Services”.
  3. Receive your Notice of Approval (NOA)/Letter of Guaranty (LOG) and sign your loan documents.
    • NOA will be released ONLY to the borrower or to the Attorney-In-Fact for OFW borrowers, provided with SPA.
  4. Accomplish your NOA requirements for check release
    • You are given 90 calendar days to do the following:
      • For purchase of House and Lot/Purchase of Condominium Unit/Purchase of Lot
        • Give LOG to the seller
        • Proceed to the BIR for payment of Capital Gains Tax and Documentary Stamp Tax. The BIR will issue Certificate Authorizing Registration.
        • Proceed to the Local Government Unit (LGU) for payment of Transfer Tax
        • Proceed to the Registry of Deeds (RD) for the transfer of the title and annotation of mortgage
        • Proceed to the LGU for the transfer of Tax Declaration
        • Submit complete requirements to Pag-IBIG Fund.
      • For purchase of House and Lot mortgaged with Pag-IBIG Fund
        • Proceed to the BIR for payment of Capital Gains Tax and Documentary Stamp Tax. The BIR will issue Certificate Authorizing Registration
        • Proceed to the Local Government Unit (LGU) for payment of Transfer Tax
        • Go to the Pag-IBIG office to schedule trip to the Registry of Deeds (RD) for transfer of title and annotation of mortgage
        • Proceed to the LGU for transfer of Tax Declaration
        • Submit complete requirements to Pag-IBIG Fund
      • For construction of House/Home Improvement
        • Proceed to the BIR for payment of Documentary Stamp Tax
        • Proceed to the Registry of Deeds (RD) for annotation of mortgage.
        • Submit complete requirements to Pag-IBIG Fund.
      • For refinancing
        • Proceed to the bank/financing institution to give the Letter of Guaranty (LOG) and Loan and Mortgage Agreement (LMA).
        • Proceed to the Registry of Deeds (RD) for annotation of mortgage.
        • Submit complete requirements to Pag-IBIG Fund.
  5. Receive loan proceeds at the Pag-IBIG Fund
    • Payee to bring two (2) valid IDs. (Payee is either the borrower, the seller, or a third party to which the loan proceeds is assigned to be released). Borrower to bring 12 PDCs (if payment is not thru Salary Deduction).
    • Loan proceeds will be released to the person/institution assigned by the borrower/buyer.
  6. Start paying your monthly amortization.
    • One month from the DV/Check Date
    • For house construction/home improvement, one month from DV Check Date of the final loan release.
      • For house construction or home improvement, the loan release shall be staggered on progress of construction.

The list of requirements can be accessed here. The list includes the PSA Birth Certificate of the borrower and co-borrowers included in the computation of the aggregate income. If you are married, you would also need to submit your PSA Marriage Certificate.

SSS & PagIBIG

Did you know that as an SSS and or Pag-IBIG member, you have the option to begin a small investment that is easy on the budget but earns more than when you keep your money in the bank?  Through the SSS PESO Fund and the Pag-IBIG MP2 Program, you can!

I summarized the highlights of both programs to help you decide which would work better for you.  This is highly recommended to those who have only started working and have paid the prescribed number of contributions for their SSS and Pag-IBIG membership.  Remember that this is apart from the regular monthly contributions you make out of your salary.

Read on!

SSS PESO FUND:  (https://www.youtube.com/watch?v=gCmHpprbfec)

What is the SSS PESO Fund?

PESO stands for Personal Equity and Savings Option.  It is an own-account voluntary provident fund offered exclusively to SSS members in addition to the Regular Coverage Program.  With a minimal amount of P1,000, an SSS member can activate his PESO account and begin a separate savings account with higher benefits.

Who can avail of the SSS PESO Fund?

  • SSS members who are 54 years old and below;
  • With at least 6 months consecutive contributions in the regular SSS program within the 12-month period immediately prior to the month of enrollment;
  • Self-employed, voluntary, and OFW members should be paying the maximum amount of contributions under the regular SSS program;
  • Have not filed any final claim under the regular SSS program.

How to Apply?

  • Download and fill out the online PF Enrollment Form from the MySSS portal (www.sss.gov.ph)
  • Bring the duly accomplished form to any SSS branch near you.
  • Your membership to the SSS PESO Fund account will be activated as soon as you make your first contribution.

How much to activate my account?

  • A member is allowed to make a maximum of P100,000.00 contribution per year or
  • A minimum monthly contribution of P1,000.00.  Any amount below the minimum contribution amount shall not earn interest and be subject to automatic refund.
  • Payments should be made in multiples of P100.00.

Your contributions to the PESO fund are invested in sovereign guaranteed investments with earnings based on:

  • 5-year T-Bonds
  • 364-day Treasury Bill rates
  • Earnings are tax free
  • Retirement and Total Disability Benefits – this may be paid in monthly pension, lump sum, or combination of both upon contingency.
  • Death Benefits – this shall be paid in lump sum
  • Early Fund Withdrawal – 35% of the equity may be withdrawn.

Pag-IBIG MP2  (http://www.pagibigfund.gov.ph/pop/mp2.htm)

The MP2 program took effect in 2010, earlier than the SSS PESO Fund.  It is an alternative savings scheme for Pag-IBIG members with an opportunity to earn higher interest rates compared with the Pag-IBIG membership program.

  • Minimum contribution of Php 500.00 per month
  • Terms of 5 years, renewable
  • Flexible dividend rates but always higher than Pag-IBIG 1
  • Contributions and earnings are government guaranteed.
  • You can save as much as you can; unlike with SSS PESO Fund where you are limited to Php 100,000.00 per year.
  • For Voluntary, Self-employed, and OFW members, you need to have paid at least Php 200.00 to your regular Pag-IBIG savings for the month before making your first payment for your MP2.
  • For Employed members, you need to pay at least Php 100.00.
  • You may claim your total MP2 savings and dividends after 5 years.  You may also renew and continue your savings for another 5 years.
  • There is no maximum age limit set by Pag-IBIG for MP2 registration and an individual can have more than one MP2 account.

Similar with the SSS PESO Fund, contributions to the MP2 Program are apart from your monthly PagIBIG contributions.  Earnings from the MP2 are tax-free.  The program is open to non-OFWs and OFWs who are Pag-IBIG members.

If you are interested to begin your own MP2 account, you may enroll online via the Online MP2 Enrollment System, right here: http://www.pagibigfund.gov.ph/memserv/

Bonjour. Mabuhay.

The onset of  RA 10361 or the Kasambahay Law has had many employers thinking about the pertinent points of the new law and the possible effects this would have on the employment of domestic helpers or Kasambahays.

Research, symposiums, meetings, news, and other materials covered the discussion the finer points of the law, and of course, I tried my own research and found this:

slide1-titleslide2-descriptionslide10-employment contractslide4-social benefits

These are just the initial infographic summary of some of the important points. There are a lot of things that still covers the law.

You can view the whole articles of the law in this link.

You can view the full infographic here.

I also found a quick guide on the registration procedures needed for employers and Kasambahays:

Click this link to read the registration guide.

I hope these information helps you understand and better comply with the new requirements of the law.

BR,

MC

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