Author Topic: PAGIBIG Multipurpose Loan (Read 190058 times)

freelancer_babe · « **on:** January 17, 2012, 09:42:33 am »

Anyone who have availed this?

If I am able to settle the loan before the grace period ends (which is 2 months), wala na akong babayaran interest at penalties right?

freelancer_babe · « **Reply #1 on:** January 20, 2012, 05:24:58 pm »

Ok, I have visited PAGIBIG. The grace period is indeed 2 months. That's without interest.

Compare that to a credit card bill, where the grace period is typically 20 days.

OK na rin, to raise all that money and pay that PAGIBIG loan off before they start charging interest. Anyway mababa pa rin ang effective rate of interest than any balance transfer or bank personal loan arrangements. Pagibig's is only 10.75% per annum, while balance transfers and bank personal loans are at 20% to 25%.

Shery · « **Reply #2 on:** February 11, 2012, 09:53:00 am »

ilang years ka na po bang member sa PAGIBIG bago ka makapag avail ng multipurpose loan?

freelancer_babe · « **Reply #3 on:** February 11, 2012, 09:58:10 am »

Pwedeng magloan sa kanila after 24 contributions. Kung tuloy-tuloy ang bayad that's about 2 years.

Eto pa ang additional from the PAGIBIG website:

Quote

Borrower Eligibility
New Loan
With at least twenty-four (24) monthly contributions.
An active member at the time of loan application, with at least five (5) monthly contributions for the last six (6) months.
Member-applicant’s net take home pay shall not fall below the minimum requirement of the General Appropriations Act (GAA) or company policy, whichever is applicable.
If with existing calamity loan, a member shall be allowed to avail of the MPL only after payment of at least six (6) monthly amortizations. The outstanding balance, together with any accrued interests, penalties and charges, shall be deducted from the proceeds of the MPL.

Shery · « **Reply #4 on:** February 11, 2012, 10:17:13 am »

^ thank you sis..

sabi sakin kasi 1 year lang pwede na umutang.. mali pala un..

freelancer_babe · « **Reply #5 on:** February 11, 2012, 10:21:05 am »

^ Saan mo nalaman sis?

Baka naka one year ka na. At one year na lang ang kailangan mong ihulog para pwede kang umutang?

Shery · « **Reply #6 on:** February 11, 2012, 10:52:14 am »

wala pa ko 1 yr sis.. sabi nun nag a-assist sakin sa pagibig.. 1 yr lang daw eh pwede na
.. itatanong ko nga ulit..

freelancer_babe · « **Reply #7 on:** February 11, 2012, 11:02:23 am »

^ Baka may nabago sa rules?

Sige balitaan mo na lang ako sis.

Shery · « **Reply #8 on:** February 11, 2012, 12:01:41 pm »

ok sis.

milenya · « **Reply #9 on:** February 24, 2012, 04:06:34 pm »

i have unpaid loan sa pag ibig, im afraid na baka malaki na yung inabot ng interes..nag o offer ba sila ng amnesty ba un?

freelancer_babe · « **Reply #10 on:** February 24, 2012, 04:13:23 pm »

^ Walang amnesty ngayon sis.

You have to pay it ASAP. Mas malaking sakit ng ulo yan kung pinabayaan mo. Mauubos lang sa interest yung payments.

I think pinapayagan rin nila na ipabawas rin yun doon sa mga nai-contribute mo na sa PAGIBIG fund mo.

milenya · « **Reply #11 on:** February 24, 2012, 06:06:22 pm »

^thanks sis..

NyLyM_nAyR · « **Reply #12 on:** April 18, 2012, 12:31:36 am »

pag may unpaid loan you can pay off yung 6months na equivalent ng loan then reloan to payoff the existing balance. The yung bagong loan yun na yung babayaran mo. Go to your pag ibig office they can help you there. mabilis na ang processing ngayon.

lilstar · « **Reply #13 on:** April 30, 2012, 05:48:37 am »

I availed of this, 1 month processing lang sa office. 1st time ko nag avail nito at 11k ang nakuha kong cchecke., nagulat ako kala ko kasi 4k lang e.. hehe..,

aicute12 · « **Reply #14 on:** April 30, 2012, 02:47:13 pm »

^^masyadong matagal ang 1 month!

Ako nagasikaso ng MPL ko kase antagal sa office namin, 2weeks processing, ng ako lang wala pang 2 weeks lumabas na! been working for 5 years that time nakuha ko 7k.
Kakatapos ko lang mabayaran yun so nagpass na ulit ako for loan renewal, wala pa din yung cheke. hehe.

gorgeous_mommie · « **Reply #15 on:** June 26, 2012, 05:39:23 pm »

tanong lang sisses, we have an existing housing loan last october lang ito.. are we qualified na sa MPL?if not kelan kaya?thanks

Princess_Chill · « **Reply #16 on:** July 02, 2012, 04:04:19 am »

mga sis how many years to pay ang MPL?

kasi sabi nila na mas ok daw na umutang ng umutang sa pag ibig para pag uutang ka ng pang bahay mo malaki na pwede mo utangin...

tiggercydie · « **Reply #17 on:** July 02, 2012, 05:20:32 am »

First time ko lang din po magloloan ngayon mga sis. Any idea kung magkanu na po yung first loan ngayon?

gorgeous_mommie · « **Reply #18 on:** July 02, 2012, 05:46:01 pm »

Quote from: Princess_Chill on July 02, 2012, 04:04:19 am

mga sis how many years to pay ang MPL?

kasi sabi nila na mas ok daw na umutang ng umutang sa pag ibig para pag uutang ka ng pang bahay mo malaki na pwede mo utangin...

sis i dont think dito bene base ang housing loan amount kasi meron naman bracket ng contribution at loan amount lang na pwede.. depende parin talaga sa contributions natin yon.

aicute12 · « **Reply #19 on:** July 05, 2012, 02:38:29 pm »

Usually, First loan if 2 years na nagwowork, 4k, pag 4 years nasa 7k, pag 6 years nasa 10k.

Tama si gorgeous_mommie, hindi binebase ang Housing Loan sa MPL, magkaiba silang loan.

Meron kasi akong Housing Loan, MPL, SSS loan. lol

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Author Topic: PAGIBIG Multipurpose Loan (Read 190058 times)

freelancer_babe

freelancer_babe

Shery

freelancer_babe

Shery

freelancer_babe

Shery

freelancer_babe

Shery

milenya

freelancer_babe

milenya

NyLyM_nAyR

lilstar

aicute12

gorgeous_mommie

Princess_Chill

tiggercydie

gorgeous_mommie

aicute12

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