PAGIBIG Multipurpose Loan

[forumera]

^60% of your total contribution pag first time

[ToughEmpress]

^60% of your total contribution pag first time

Thank you, Sis! Mas mababa pala sa Pag-ibig compared sa SSS Salary Loan pero mas mataas ang interest nila.

[super bratinella]

if you loan in MPL, and every year mag renew ka palaki ng laki ang loan amount..

[twotrickpony]

Thank you, Sis! Mas mababa pala sa Pag-ibig compared sa SSS Salary Loan pero mas mataas ang interest nila.

Actually, if matagal ka ng nagre-remit with Pag IBIG mas malaki siya sa SSS.

SSS maximum amount is Php 32,000 given that your posted contributions's already at 73 months and for the last 12 months, na sa ceiling yung monthly remittance mo - Php 1,790.00.

With Pag IBIG, 60%, 70% to 80% ng Total Accumulated Value (TAV) mo ang pwede ma loan.
And you can also increase your contributions from 200 to wantusawa. Para everytime na re-reloan ka, mas lalong lalaki yung amount
We have an employee who got like Php 87.000. Pero oldschool na to. Mas matagal ka nagwowork, mas malaki malo-loan. Simply because tumataas yung TAV mo.

Re-loan:
SSS - every 12 months and given that you have paid the 50% of the loaned amount
Pag IBIG - every 6 months. Make sure na hindi deliquent yung account mo. Meaning, no missed payments.

Interest & Penalties:

Trust me when I say na MAS malaki ang sa SSS compared to Pag IBIG. With Pag IBIG pwede mong ipa-offset yung balance mo - although ma dededuct sya sa TAV mo.
With SSS, kahit ilang taon pa lumipas, mag accumulate at mag a-accumulate ng penalties yung loan mo. lol I've encountered an employee that only got like Php 10,000 ata. Di nya binayaran ever, kaya nag increase to Php 48k yung babayaran nya in total (pls. take note na super tagal na, probably 20 years). Walang biro.

[chofontanilla]

Hi mga sis sorry di ako familiar sa mga loan na to kaya magtatanong ako sa inyo. Plan ko sana magloan din kaso 2 years palang ako nagwowork pwede kaya yun and how much makukuha ko kaya

[atemai]

if may unpaid loan sa pag-ibig, can i just go to the office para mag-ask kung magkano na ang balance?

[shraen]

Hi! May nakaka alam po pano yung procedure kapag yung ongoing kong housing loan, gusto ko na ibenta?

[nixmusic]

Anyone who can help with the steps on how to renew multipurpose loan? I still have my Citi card from 2 years ago.

[andreil_19]

@atemai, yes you can go to any branch and ask your loan balance and interest.
You can still continue your contribution naman even you have unpaid loan after two years pwede ka na ulit maka-loan.

[mayums]

question po, i already received a text message from Pag-IBIG about the approved loan at kung magkano yung amount. Kelan usually nac-credit sa card yung loan? Within the day din ba? I have the Landbank CashCard, and nung nagcheck ako sa ATM, "card/account not found". pero nakapagpalit na ko ng PIN, so na-test ko naman na yung cashcard.

also, kelan nare-receive yung supposed email regarding the loan? sino ang makaka-receive, employer lang ba? medyo nalilito ako sa process nila ngayon.

thank you mga sis.

[atemai]

@atemai, yes you can go to any branch and ask your loan balance and interest.
You can still continue your contribution naman even you have unpaid loan after two years pwede ka na ulit maka-loan.

thank you

i'll take care of this next week, para ma-bayaran ko na din

[ghynz2004]

hello. sino po nakakaalam magkano ang interest sa pagibig loan. kasi 3rd loan ko. loanable amount ko 18k plus. per 7,400 lang pumasok sa card ko kasi binawas daw [textspeak!] balance ko sa previous loan. eh ang balance ko sa previous loan ay 300 nalang. pano po un

[Maxim04]

^ anong klae loan mo sis? if its housing loan I can answer you - 6.8%

[atemai]

i finally went kanina sa pag-ibig and found out na na-offset na pala yung unpaid loan ko sa contributions so wala akong utang sa pag-ibig, yipeeeee

and since i was there na din, i processed the consolidation na din, which will take a month before matapos

at least, wala na pala akong utang sa pag-ibig, yay!

[yeeshin_anne]

Hi good day..mag rerenew sana ako this April ng MPL ko.6months payment pa lang nagawa ko..i know eligible na ako ulit mag renew, yung question ko lang is posible ba na maliit lang ang mag grant sa loan ko kasi may balance pa ata ako mga three thousand sa existing MPL ko?thanks sa makakasagot.

[miss resilient]

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?

I think this thread is not posted in the right category. Loans po ito or utang, Savings and Investment po pinaguusapan natin.

[Jhandz]

  CHECK nyo po ito mga sis

http://pagibigmultipurposeloan2016.blogspot.com/2016/09/pag-ibig-multi-purpose-loan.html

sana makatulong sa inyo po

[Auji0825]

Paano ba yun kasi yung HR naming ang nagfile ng MPL ko at citicard application. Paano ko ikeclaim yung citicard, pupunta lang ba ako doon sa PAGIBIG branch?

[omneecka]

^yes sis, print mo lang yung confirmation email from HR nyo na pwede mo ng i-claim MPL mo dun sa branch na nakalagay sa email nila. then kung anong branch yung nasa email is dun ka din pupunta to claim the cash card.

ang hassle nitong cash card na ito. much better pa rin yung dati na cheque ibibigay ng HDMF sa HR then ide-deposit or encash na lang ng borrower. at least pag cheque, up to last centavo makukuha mo unlike pag cash card, need mo ipambayad sa merchants kasi di naman nawi-withdraw ang amount lower than 100 sa atm.

😊😊

[babyboo.0326]

I applied for MPL through our company HR April 5 yata. Got my Landbank cash card April 6. Na-credit yung loan proceeds ko I think April 17, kasi holiday nung April 13 and 14. Nag-check kasi ako ng card balance April 18 na. Ok naman sakin so far, less hassle yung procedure. Though may matitira talagang amount sa card kasi hindi mo mawi-withdraw to the last centavo.