5. MONTHLY CONTRIBUTIONLOAN ENTITLEMENT P200Up to 500T P250Over 500T – 600T P350Over 700T – 800T P450Over 900T – 1.0M P700Over 1.4M – 1.5M P950Over 1.9M – 2.0M P1,450Over 2.9M – 3.0M P1,950Over 3.9M – 4.0M P2,450Over 4.9M – 5.0M P2,950Over 5.9M – 6.0M

6. Purchase of residential lot or adjoining lots (max 1,000 sq.m.; min 28 sq.m.) Purchase of residential lot or adjoining lots (max 1,000 sq.m.; min 28 sq.m.) Purchase of house & lot, townhouse or condominium unit (adjoining units) Purchase of house & lot, townhouse or condominium unit (adjoining units) Construction of house Construction of house Improvement of house Improvement of house Refinancing of an existing loan Refinancing of an existing loan

8. Shall be based on the lowest of the following: Actual Need Capacity to Pay Loan-to-Appraisal Value Ratio

9. Actual Need Capacity to Pay

11. LOAN AMOUNTPERCENTAGE ON APPRAISAL Up to 1.250M90% Ex. Selling Price : 500,000 Capacity to Pay: P500,000 PhP 450,000 Appraisal is P500,000 x 90% = PhP 450,000 Loanable Amount is PhP 450,000 Over P1.25M to P6M80% Ex. Selling Price : P2M Capacity to Pay: P3M Appraisal is P2M x 80% = PhP 1.6M Loanable Amount is PhP 1.6M Loan to Appraisal Value Ratio

12. Loan Amount Indicative Rates per Re-Pricing Period 3-Yr Fixing 5-Yr Fixing 10-Yr Fixing 15-Yr Fixing 30-Yr Fixing Up to P6M 7.985%8.985%10%10.75%12.25%

13. Loan Amount 3 -Yr5-Yr10-Yr15-Yr30-Yr 7.985%8.985%10.000%10.75%12.25% 400,000 2,930.88 3,214.17 3,510.29 3,733.93 4,191.59 750,000 5,495.39 6,026.58 6,581.79 7,001.11 7,859.22 1,000,000 7,327.19 8,035.44 8,775.72 9,334.81 10,478.96 1,250,000 9,158.99 10,044.29 10,969.64 11,668.52 13,098.71 2,000,000 14,654.38 16,070.87 17,551.43 18,669.63 20,957.93 3,000,000 21,981.57 24,106.31 26,327.15 28,004.44 31,436.89 4,000,000 29,308.77 32,141.74 35,102.86 37,339.25 41,915.86 5,000,000 36,635.96 40,177.18 43,878.58 46,674.07 52,394.82 6,000,000 43,963.15 48,212.61 52,654.29 56,008.88 62,873.79

14. Loan Amount 3-Yr5-Yr10-Yr15-Yr30-Yr 7.985%8.985%10.000%10.75%12.25% 400,000 8,373.93 9,183.35 10,029.39 10,668.36 11,975.96 750,000 15,701.12 17,218.79 18,805.11 20,003.17 22,454.92 1,000,000 20,934.83 22,958.39 25,073.47 26,670.90 29,939.90 1,250,000 26,168.54 28,697.98 31,341.84 33,338.62 37,424.87 2,000,000 48,847.94 53,569.57 58,504.77 62,232.09 69,859.76 3,000,000 73,271.92 80,354.36 87,757.16 93,348.14 104,789.64 4,000,000 97,695.89 107,139.14 117,009.54 124,464.18 139,719.52 5,000,000 122,119.86 133,923.93 146,261.93 155,580.23 174,649.41 6,000,000 146,543.83 160,708.71 175,514.31 186,696.27 209,579.29

15. Principal borrower’s age shall not exceed 70 years old at date of loan maturity Principal borrower’s age shall not exceed 70 years old at date of loan maturity

16. Monthlyamortization shall start exactly Monthly amortization shall start exactly one (1) month from the DV/ Check Date. one (1) month from the DV/ Check Date. DV/ Check DateFirst Amortization Date Regular Amortization Schedule 16 July 201216 August 2012Every 16 th of the month

17. Outstanding loan shall be Outstanding loan shall be due and demandable Shall constitute a Shall constitute a lien on the member’s contributions Account shall be endorsed for foreclosure Account shall be endorsed for foreclosure

18. Fire & Allied Perils Insurance

20. Application Stage Processing Time 1st - Loan Application 2nd - Loan Release 15 working days 5 working days

22. Married individuals not legally separated and cannot secure marital consent or Special Power of Attorney (SPA) from spouse Married individuals not legally separated and cannot secure marital consent or Special Power of Attorney (SPA) from spouse Properties with road right of way less than 1.5 meters Properties with road right of way less than 1.5 meters Land types classified other than Residential Use Land types classified other than Residential Use Properties with “Rights” instead of “Titles” as proof of ownership Properties with “Rights” instead of “Titles” as proof of ownership

23. Business Development Group 11th Floor of the Emar Suites Building 409 Shaw Boulevard, Mandaluyong City Tel. No. 654-9211 Email:radelapaz@pagibigfund.gov.ph Visit our Website at www.pagibigfund.gov.ph