What is Pag-IBIG Fund? A savings program with tax-free dividend earnings A savings program with tax-free dividend earnings An opportunity to save for the future An opportunity to save for the future An opportunity to be a future homeowner An opportunity to be a future homeowner

Who are mandatorily covered? (R.A. 9679) Who are mandatorily covered? (R.A. 9679)  All gainfully employed Filipino (all SSS and GSIS members)  All gainfully employed Filipino (all SSS and GSIS members)  Household helpers  Overseas Filipino Workers  Uniformed Personnel

 Self-employed individuals which includes:  Self-employed individuals which includes:  Practicing professionals  Businessmen and Entrepreneurs  Job Order (Piecemeal) workers  Farmers and Fisherfolks  Workers in the Informal Sector  And other individuals earning at least P1,000 a month whether from trade, business or profession

CONTRIBUTION RATE Self-employed members shall cover both the employee and employer share or P200/month

When can I enjoy my savings? Maturity - 20 YEARS - 10 YEARS (optional)RA YEARS (optional)RA9679 Retirement -60 yrs of age (optional) -65 yrs of age (mandatory) -45 yrs of age w/ company ERP Maturity - 20 YEARS - 10 YEARS (optional)RA YEARS (optional)RA9679 Retirement -60 yrs of age (optional) -65 yrs of age (mandatory) -45 yrs of age w/ company ERP

When can I enjoy my savings? Total Disability/ Insanity Separation from service due to health reason Permanent departure from the country Death Total Disability/ Insanity Separation from service due to health reason Permanent departure from the country Death

LOAN PRIVILEGES  Short Term Loan (Multi - Purpose Loan and Calamity Loan)  Short Term Loan (Multi - Purpose Loan and Calamity Loan)  Expanded Housing Loan Program  Expanded Housing Loan Program

MULTI – PURPOSE LOAN Loan amount up to 80% of TAV FAST and EASY! 1-3 days releasing FAST and EASY! 1-3 days releasing Low interest rate at less than 1%/month

MULTI – PURPOSE LOAN Payable within 2 years Reloan period of after 6 months only Earn rebates on advanced payments

EXPANDED HOUSING LOAN PROGRAM

Pag-IBIG offers the Best Housing Loan packages… Lowest Interest Rate at 6% per annum Highest Loan to Collateral Ratio at 100% Longest Loan Term at 30 years Loan Amount of up to P3 Million

LOAN PURPOSES: LOAN PURPOSES:  Lot Purchase  Purchase of Residential Unit  House Construction or Completion  Lot Purchase with House Construction  Home Improvement  Refinancing  Lot Purchase  Purchase of Residential Unit  House Construction or Completion  Lot Purchase with House Construction  Home Improvement  Refinancing

LOAN PURPOSES: LOAN PURPOSES:  Lot Purchase  Purchase of Residential Unit  House Construction or Completion  Lot Purchase with House Construction  Home Improvement  Refinancing  Lot Purchase  Purchase of Residential Unit  House Construction or Completion  Lot Purchase with House Construction  Home Improvement  Refinancing

Eligibility…  An active member with 24 monthly contributions  Not more than 65 years old  Filipino citizen and of legal age  Must pass background/credit investigation  Updated MPL payments  No existing HL (either as principal or co-borrower)  An active member with 24 monthly contributions  Not more than 65 years old  Filipino citizen and of legal age  Must pass background/credit investigation  Updated MPL payments  No existing HL (either as principal or co-borrower)

MODIFIED Pag-IBIG Fund II (MP2) Membership Program MODIFIED Pag-IBIG Fund II (MP2) Membership Program  Voluntary upon all Pag-IBIG I members whose gross monthly income exceeds five thousand pesos (Php 5, )  Voluntary upon all Pag-IBIG I members whose gross monthly income exceeds five thousand pesos (Php 5, )  Contribution is minimum of five hundred pesos (Php ) per month  Five (05) years membership term  Solely a savings scheme

- THANK YOU -