Topic: PAG-IBIG FUND...

[jack-cool]

curious lang mga ka espiya...
sa mga empleyado dito... anung benefits ang ibinibigay ng PAG-IBIG FUND?
nakaka pag loan tayo db? pero binabayaran p rin natin sya... may interest pa?
sa SSS may makukuha tayo kapag nag ka sakit or nag retired,
sa PAG-IBIG meron ba?

[jaybesguerra]

Yes, pwede mag loan. Being a "loan" eh babayaran mo talaga yan kasi "utang" mo yan at may additional interest. Yung interest naman ng lahat ng loans from all members ay babalik din sa at hahatiin sa lahat ng members.

Sa Pag-ibig, meron ka option na makuha lahat ng contributions mo after maturity (20 years or more), kasama na rin yung contributions ng employer mo para sayo, at yung mga kinita ng pera mo (since ginamit din sya sa pagpapautang sa ibang miyembro).

Pag kakaalam ko mas mura din ang housing loan sa pag-ibig compared to the rates of banks.

Nabasa ko lang pala lahat ng pinagsasabi ko.
For more info: http://www.pagibigfund.gov.ph/membertools.htm

[kinjikitatani]

for me, pag ibig is like a savings account.  mayron talagang interest if you avail of a loan. but the nice thing is that, as mentioned by sir jay, you can get back all your contributions, plus your employers' contribution, when you retire or leave the country or if you have a house and lot already which was acquired by means other than through pag ibig loan. meron pang interest yong account mo.

kaya, be sure na your employer is remitting your contributions properly.  to be sure that your pag ibig account is updated, mag salary loan ka naman paminsan minsan just to be sure na walang problema ang yong account.