Pag-IBIG 1 Plus 1 Raffle Promo

Pag-IBIG 1 Plus 1 Raffle Promo

Ang 1 Plus 1 Raffle Promo ay isang espesyal na programa ng Pag-IBIG Fund na naglalayong hikayatin ang mga Overseas Filipino Workers (OFWs) at mga manggagawa mula sa Other Earning Group sectors, kagaya ng mga kasambahay, market vendors, public transport drivers, construction workers, at iba pa, na mag-rehistro sa Pag-IBIG o i-reactivate ang kanilang Pag-IBIG membership.

Maaaring sumali rito ang lahat ng Pag-IBIG members na mayroong current membership status, o mga miyembro na may hindi bababa sa isang buwang hulog sa loob ng nakaraang tatlong buwan sa kanilang Pag-IBIG Regular Savings. Sila ay tatawaging PagIBIGfluencers.

Kinakailangan lang mag-sign up sa Pag-IBIG 1 Plus 1 Raffle Promo https://www.pagibigfundservices.com/1plus1/ para makuha ang kanilang personal na Pag-IBIG Promo Code (PPC).

I-share ang PPC sa bawat Plus 1, o ang mga kakilalang maiimbitahan na mag-rehistro sa Pag-IBIG o kaya’y i-reactivate ang kanilang Pag-IBIG membership.

Para sumali bilang PagIBIGfluencer, sundin lamang ang sumusunod:

1. Pumunta sa Pag-IBIG 1 Plus 1 Raffle Promo website, https://www.pagibigfundservices.com/1plus1/. At i-click ang Mag-Log In.
2. I-click ang Mag-Sign Up.
3. Punan ang mga kinakailangang detalye at impormasyon.
4. Ipapadala ang One-Time Pin (OTP) sa inyong Phililippine mobile number at/o email. Ilagay ang OTP para magpatuloy.
5. Kapag na-verify na ang inyong OTP ay matatanggap mo na ang inyong Pag-IBIG Promo Code (PPC), at ipapadala ang inyong Temporary Password sa inyong Philippine mobile number at/o email. Ang Pag-IBIG Promo Code ang magsisilbing username para makalog in sa inyong Pag-IBIG 1 Plus 1 Raffle Promo account.
6. Mag-Log In gamit ang inyong Temporary Password. Pagkatapos maglog in, baguhin ang password para sa seguridad ng inyong account.
7. Congrats! Ready ka ng i-share ang iyong PPC sa mga maiimbitahang magpa-rehistro o mag-reactivate ng kanilang Pag-IBIG membership!

Maaari mong imbitahang maging Plus 1 ang mga sumusunod:

• May edad na 18 – 64 taong gulang sa oras ng pag-sign up sa promo;

• Nagtatrabaho bilang OFW, nabibilang sa informal income sector, o mga nagtatrabaho bilang kasambahay, public transport drivers o mga namasada, magsasaka, mangingisda, barangay officials, self-employed professionals, mga hindi miyembro ng Pag-IBIG o o kaya’t hindi current ang kanilang membership status;

Kinakailangan lang din mag-sign up ng inyong Plus 1 sa Pag-IBIG 1 Plus 1 Raffle Promo website, at ilagay ang Pag-IBIG Promo Code ng kanilang PagIBIGfluencer.

Sa bawat P200 na ipon ng Plus 1 sa kanilang Pag-IBIG Regular Savings ay makatatanggap sila ng isang (1) e-ticket para sa 1 Plus 1 Raffle Promo. Mas maraming Plus 1, mas maraming ipon, mas malaking tiyansang manalo ng hanggang P500,000.00 each sa Grand Draw!

Ang PagIBIGfluencers ay makakatanggap ng parehong premyo ng kanyang Plus 1 basta’t siguruhin lang na makakapaghulog din ng hindi bababa sa P200 sa Pag-IBIG Regular Savings kada buwan.

Ang promo ay mula 21 December 2024 hanggang 30 November 2025.

Para sa ibang detalye at impormasyon sa Pag-IBIG 1 Plus 1 Raffle Promo, pumunta sa https://www.pagibigfundservices.com/1plus1/ upang makita ang kabuuan ng promo mechanics.

Para sa iba pa ninyong katanungan, suhestiyon, o feedback tungkol sa mga programa at serbisyo ng Pag-IBIG Fund, maaari po kayong makipag-ugnayan sa mga sumusunod na contact points na handang maglingkod sa inyo 24/7. 

Pag-IBIG Fund Hotline: 8-724-4244 (8-PAG-IBIG)

Email: contactus@pagibigfund.gov.ph

Chat (Avatar): bisitahin ang aming website sa www.pagibigfund.gov.ph

Kung hindi kapa Pag-IBIG Member, pwedi ka mag register online upang maging Member ka ni Pag-IBIG, LIBRE ang pag register online man or sa Pag-IBIG Office.

CLICK here para mag register at magkaroon ka ng Lifetime Pag-IBIG MID Number!

SCAN, SIGNUP & WIN!

Scan, Signup & Win

Ngayong December 21, 2024 na ang Pag-IBIG One Plus One Raffle Promo! Sali na!! 🫰

Paano? Maghanap ng plus 1, plus 2, plus 3...

… mas maraming maiimbitahang magpamiyembro sa Pag-IBIG, mas malaking chances of winning!

Mag-register na sa ➡️ SCAN & SIGNUP  at baka ikaw na at ang +1 mo ang susunod na manalo ng P500,000 sa grand draw!

Para sa iba pang detalye, VIEW HERE!

#PagIBIG1P1RafflePromo​

#WinWithPagIBIG1P1​

#pagibigfundsolidkabond

Pag-IBIG One Plus One Raffle Promo!

Pag-IBIG 1 Plus 1 Raffle Promo

Ang raffle promo na ito ay isang espesyal na program ng Pag-IBIG Fund na naglalayong hikayatan ang mga Overseas Filipino Workers (OFWs) at mga manggagawa mula sa Other Earning Group sectors, kagaya ng mga kasambahay, market vendors, public utility vehicle drivers, construction workers, at iba pa, na maging miyembro o i-reactivate ang kanilang Pag-IBIG membership.

Sa pamamagitan nito, mae-enjoy nila ang iba't ibang programa at serbisyo ng Pag-IBIG Fund, makapagsimulang mag-ipon para sa magandang kinabukasan, at makatulong sa pag-abot ng pangarap na bahay sa abot-kayang halaga.

Samantala, i-scan lamang po ang QR code na makikita sa aming post o sundan lamang po ang steps na ito upang makasali sa promo na ito ng Pag-IBIG Fund:

Para sa PagIBIGfluencers:

• I-click ang link na ito, https://www.pagibigfundservices.com/1plus1
• Punan ang mga kinakailangang impormasyon upang mag-sign up bilang PagIBIGfluencer
• Matapos mag-sign up, makakatanggap kayo ng Pag-IBIG Promo Code
• Mag-imbita ng mga kaibigan o kakilala na magpa-miyembro o mag-update ng kanilang Pag-IBIG membership.
• I-share sa kanila ang inyong Pag-IBIG Promo Code sa oras na sila ay mag-sign up sa raffle promo
• Para sa Plus 1:
• I-click ang link na ito, https://www.pagibigfundservices.com/1plus1
• Ilagay ang Pag-IBIG Promo Code mula sa inyong PagIBIGfluencer sa SIGN UP page ng Pag-IBIG 1 Plus 1 Raffle Promo. Kung hindi pa Pag-IBIG member, kinakailangan munang mag-rehistro bilang Pag-IBIG member bago mag-sign up sa Pag-IBIG 1 Plus 1 Raffle Promo.
• Pagkatapos mag-sign up sa Pag-IBIG 1 Plus 1 Raffle Promo ay makakakuha ka rin ng inyong personal na Pag-IBIG Promo Code
• I-update ang Pag-IBIG membership sa pamamagitan ng paghulog ng hindi bababa sa P200 sa inyong Pag-IBIG Regular Savings.

Ang Plus 1 ay maari ring maging PagIBIGfluencer. Gamit ang kanyang sariling Pag-IBIG Promo Code, maaari din siyang mag-imbita ng iba pa na magpa-member o mag-reactivate ng kanilang Pag-IBIG membership

Para sa iba pang impormasyon patungkol sa raffle promo na ito ay maaari po ninyong bisitahin ang link na ito: https://www.pagibigfundservices.com/1plus1/Default.aspx

Ang Pag-IBIG Fund offices ay bukas mula Lunes hanggang Biyernes (maliban sa holidays at work suspension), 8:00 AM hanggang 5:00 PM. Nais din naming ipabatid na mayroong mga piling Pag-IBIG Branches at Housing Business Centers na bukas tuwing Sabado para sa inyong convenience.

Maaari ninyong bisitahin ang link para sa karagdagang impormasyon:
Pag-IBIG Branches in Malls (Open every Saturdays, 8AM to 5PM)

Para po sa iba pa ninyong katanungan, komento, o suhestiyon, maaari po kayong makipag-ugnayan sa mga sumusunod:

Contact Center: (02) 8-724-4244

E-mail Address: contactus@pagibigfund.gov.ph

Chat: Visit the Pag-IBIG Fund website for the Live Chat Support www.pagibigfund.gov.ph

Pre-terminate MP2

Can I withdraw my MP2 Savings before its 5-year Maturity

Yes. You may pre-terminate and withdraw your MP2 Savings prior to its 5-year maturity, based on the following reasons:

• For active Pag-IBIG members:
• Total disability or insanity
• Termination from employment due to health reasons
• Retirement
• Permanent migration to another country
• Unemployment due to layoff or company closure
• OFW repatriation from the host country
• Death of the MP2 account holder, with the MP2 Savings to be received by the member’s beneficiaries
• Critical illness of the MP2 account holder or an immediate family member, certified by a licensed physician, and subject to approval by Pag-IBIG Fund
• Other meritorious grounds as may be approved by the Pag-IBIG Fund Board of Trustees

• For Retirees and/or Pensioners:
• Total disability or insanity
• Death of the MP2 account holder, with the MP2 Savings to be received by the member’s beneficiaries
• Critical illness of the MP2 account holder or an immediate family member, certified by a licensed physician, and subject to approval by Pag-IBIG Fund
• Other meritorious grounds as may be approved by the Pag-IBIG Fund Board of Trustees

• For members with compounded dividend payout on their MP2 Savings
• Principal MP2 Savings;
• 50% of the total dividends earned from prior years; and
• 50% of the dividends for the current year, which shall be released after the dividends for the said year have been declared and credited.

• For MP2 Savings with annual dividend payouts
• Principal MP2 Savings, with 50% of the total dividends received from prior years to be deducted from proceeds; and
• 50% of the dividends for the current year, which shall be released after the dividends for the said year have been declared and credited.
  
  

READ MORE MP2 FAQ'S

Pag-IBIG MP2 Savings Calculator

The Pag-IBIG MP2 Savings Program is a bit different from MPL but is another beneficial program offered by Pag-IBIG. The MP2 Savings Program is a voluntary savings program with a five-year maturity that offers higher dividend rates compared to the regular Pag-IBIG Savings Program. 

The Pag-IBIG MP2 Calculator helps members estimate the potential dividends they can earn based on their monthly contributions and the projected dividend rate.

Click Here To Visit MP2 CALCULATOR

Pag-IBIG Calamity Loan Interest Rate

In response to the effects caused by Typhoon Kristine, Pag-IBIG Fund has announced the availability of its Calamity Loan program and Housing Loan payment moratorium to assist affected members.

Members residing or working in areas declared under a state of calamity – including areas in Region IV-A, Ilocos Region, Cagayan Valley Region, Region V, Region VIII, and NCR – may apply for Calamity Loans and one-month Housing Loan payment Moratorium to alleviate their financial difficulties and allocate their funds toward more immediate recovery needs.

“Pag-IBIG Fund is here to provide support to our Filipino workers who are facing financial difficulties caused by Typhoon Kristine through the availability of the Calamity Loan and the grant of one-month housing loan payment moratorium. We want to provide relief to our members in the hardest-hit areas as they recover from the impact of the typhoon. In line with President Ferdinand Marcos, Jr.'s call, we are dedicated to extending all necessary support to help them recover and rebuild,“ said Secretary Jose Rizalino L. Acuzar of the Department of Human Settlements and Urban Development and Chairperson of the 11-member Pag-IBIG Fund Board of Trustees.

The Pag-IBIG Calamity Loan is one of the agency's Short-Term Loan programs designed to provide relief and support to members residing or working in areas declared under the State of Calamity. Qualified members can borrow up to 80% of their total Pag-IBIG Regular Savings, which consists of their monthly contributions, their employer's contributions, and accumulated dividends earned. The loan is offered at a low annual interest rate of only 5.95%, with payment terms of 24 or 36 months, and the first payment deferred for three months.

For members who need financial assistance in areas not declared under a State of Calamity, the Pag-IBIG Multi-Purpose Loan is available to help them recover from the aftermath of the typhoon.

Meanwhile, under the one-month Housing Loan payment moratorium, payments on members' Housing Loans or installments will be suspended for the approved period at no additional cost. Eligible members may apply for the availment of the moratorium program until 31 December 2024, either through the Virtual Pag-IBIG or at the nearest Pag-IBIG branch.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta emphasized the readiness of Pag-IBIG Fund in providing aid to members affected by the calamity.

“We want to assure our members that we will remain proactive in helping them recover. Our immediate priority is to give them assistance in all the ways we can. Our Lingkod Pag-IBIG on Wheels (LPOW) are scheduled to deploy in various areas in Quezon City, Valenzuela, Malabon, Laguna, Batangas, and Bicol.“

“Through our LPOW, Pag-IBIG members may submit their Calamity Loan applications to aid in their immediate recovery, file for insurance claims if their homes mortgaged under Pag-IBIG Fund are damaged, and file for a Housing Loan for major home repairs. Our members can always count on us for timely and reliable assistance, especially in times of need,“ Acosta added.

Members may also apply for a Calamity Loan or Multi-Purpose Loan online through the Virtual Pag-IBIG.

SOURCE: Virtual Pag-IBIG

Double Your Savings

This is where your monthly savings (contributions) go.

The Pag-IBIG Regular Savings Program is a convenient and government-guaranteed savings facility that gives you high annual dividend earnings. Save more to earn higher dividends.

Read more below to learn more about your Pag-IBIG Fund Regular Savings!

BE A PAG-IBIG MEMBER | CREATE MP2 SAVINGS ACCOUNT

Pag-IBIG Calamity Loan ready for members affected by Typhoon Carina

July 25, 2024 – Pag-IBIG Fund has announced the immediate availability of its Calamity Loan to assist members affected by Typhoon Carina. The typhoon has intensified monsoon rains (habagat), leading to widespread flooding across various regions.

The agency has allocated calamity loan funds to help affected members in Metro Manila, Cainta (Rizal), Baco (Oriental Mindoro), and the Province of Batangas. Additional funds will be released for other areas where State of Calamity may be declared.

“Pag-IBIG Fund is ready to support our Filipino workers with their immediate financial needs through our cash loans. We are closely coordinating with local government units in the hardest-hit areas to ensure that aid reaches those in need promptly, in line with President Ferdinand Marcos, Jr.'s directive to extend all necessary assistance to our fellow Filipinos affected by these calamities,” said Secretary Jose Rizalino L. Acuzar of the Department of Human Settlements and Urban Development and Chairperson of the 11-member Pag-IBIG Fund Board of Trustees.

The Pag-IBIG Calamity Loan is one of the agency’s Short-Term Loan programs designed to provide relief and support to members residing or working in areas declared under a state of calamity. Qualified members can borrow up to 80% of their total Pag-IBIG Regular Savings, which consists of their monthly contributions, their employer’s contributions, and accumulated dividends earned. The loan is offered at a low annual interest rate of only 5.95%, with payment terms of 24 or 36 months, with the first payment deferred for two months.

For members who need financial assistance in areas not declared under a state of calamity, the Pag-IBIG Multi-Purpose Loan is available to help them recover from the aftermath of the typhoon.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta emphasized the urgency of providing immediate financial support to members affected by the calamity.

“I have already instructed the deployment of our Lingkod Pag-IBIG on Wheels (LPOW) as soon as roads become safe and passable, to ensure that our services become accessible to our members from the affected areas. Through our LPOW, Pag-IBIG members can submit their Calamity Loan applications to finance their immediate needs, file for insurance claims if their homes mortgaged under Pag-IBIG Fund are damaged, or file for a Housing Loan for major home repairs,” Acosta said.

She further added that members may submit their Calamity Loan applications online through the Virtual Pag-IBIG.

“For members with internet access, they may accomplish, scan, and upload their Pag-IBIG Calamity Loan applications even without a Virtual Pag-IBIG account. They may also submit hard copies of all accomplished applications to their company’s accredited Fund Coordinators along with the required documents for processing. And starting Monday (July 29), members whose employers are enrolled with STL online with Employer Interface may also submit their applications via the Virtual Pag-IBIG for Employers, making the process as easy and convenient as possible. Just make sure that you have activated your Virtual Pag-IBIG Account and your Loyalty Card Plus so that we can immediately credit the proceeds of your Calamity Loan. We want to reassure our members that they can count on Pag-IBIG Fund for timely and reliable assistance in their time of need.”

Source: Pag-IBIG Fund

Pag-IBIG OPEN on Saturdays

Bukas kami kahit Sabado!

Some of our branches are OPEN on Saturdays to serve you better! Please see list of branches and schedules below:

Housing Business Centers (Open on August, 17, 24, and 31, 2024; 8AM to 5PM) 

-NCR Housing Business Center in JELP Business Solution Center, Mandaluyong

-Calamba Housing Business Center in Calamba, Laguna

-Pampanga Housing Business Center in San Fernando, Pampanga

Pag-IBIG Branches in Malls (Open every Saturdays, 8 AM to 5 PM)

NCR

Fishermall

Citisquare Malabon

Ayala Malls the 30th (7AM to 5 PM)

Southgate Mall Makati

Ayala Malls Circuit Makati

SM Aura

Lucky China Town Mall

Robinsons Place Las Piñas

Ayala Malls Manila Bay

Antipolo- Robinsons 

Dasma- Robinsons Place

Imus- Robinsons Place

Rosario-SM City Rosario

Luzon

Ilocos Norte - Robinsons Place

Dagupan - BHF Family Plaza

Urdaneta - CB Mall 

Tuguegarao - Robinsons Place

Batangas - Nuciti Central Mall

Calamba - City Mall

Sta. Rosa - Victory Mall

Calapan - Gaisano Capital

Puerto Princesa - NCCC Mall

Naga - Robinsons Place

Visayas

Talisay - Gaisano Capital SRP

Cebu-Colon - Gaisano Capital Southcorner

Mandaue - Parkmall 168

Mactan - Gaisano Mactan Island Convention Center

Tacloban - Robinsons North

Ormoc - Robinsons Place 

San Jose de Buenavista - Robinsons Place

Iloilo-Molo - GT Plaza Mall

Bacolod - Gaisano Grand City Mall

San Carlos - Gaisano Capital

Mindanao

Valencia - Robinsons Place (9 AM to 6 PM)

San Francisco - Gaisano Capital

Iligan - Robinsons Place (9 AM to 6 PM)

Practical Tips to Save Money

Here are some practical tips to help you Save Money:

Budgeting and Planning

01. Create a Budget: Track your income and expenses to see where your money is going. Stick to a budget to avoid overspending.

02. Set Savings Goals: Determine what you're saving for (e.g., emergency fund, vacation, down payment) and set realistic targets.

Reduce Expenses

03. Cut Unnecessary Subscriptions: Cancel subscriptions and memberships you don’t use regularly.

04. Shop with a List: Avoid impulse buying by making a shopping list and sticking to it.

05. Cook at Home: Eating out can be expensive. Plan meals and cook at home to save money.

06. Buy Generic Brands: Opt for generic or store brands instead of name brands to save on groceries and household items.

07. Reduce Energy Usage: Lower your utility bills by turning off lights when not in use, using energy-efficient appliances, and reducing heating and cooling costs.

Smart Shopping

08. Use Coupons and Discounts: Look for coupons, discounts, and deals before making purchases.

09. Buy in Bulk: Purchase non-perishable items in bulk to save money in the long run.

10. Compare Prices: Use price comparison websites and apps to find the best deals.

Financial Management

11. Automate Savings: Set up automatic transfers to your savings account to ensure you save consistently.

12. Use a Savings Account with High Interest: Choose a savings account that offers a higher interest rate to maximize your savings.

13. Avoid Unnecessary Fees: Be mindful of bank fees, late payment fees, and other charges that can add up over time.

Debt Management

14. Pay Off High-Interest Debt: Focus on paying off high-interest debt (like credit cards) to reduce the amount of interest you pay.

15. Consolidate Debt: Consider consolidating your debt to lower your interest rate and simplify payments.

Lifestyle Changes

16. DIY Whenever Possible: Do-it-yourself projects can save money on home repairs, gifts, and other expenses.

17. Limit Entertainment Costs: Look for free or low-cost entertainment options, such as parks, libraries, and community events.

18. Use Public Transportation: Save on gas, parking, and maintenance by using public transportation, carpooling, or biking.

Mindful Spending

19. Wait Before You Buy: Implement a waiting period (e.g., 24 hours) before making non-essential purchases to determine if you really need them.

20. Track Your Progress: Regularly review your budget and savings goals to stay motivated and make adjustments as needed.

BONUS: Freelancing and Consulting

1. Freelance Writing: Write articles, blog posts, or copy for businesses and websites.
2. Graphic Design: Create logos, marketing materials, and digital content for clients.
3. Web Development: Build and maintain websites for small businesses or individuals.
4. Social Media Management: Manage social media accounts and create content for businesses.
5. Consulting: Offer your expertise in areas such as marketing, finance, or business development.

Implementing even a few of these tips can help you save money and improve your financial situation over time.

4PH Pambansang Pabahay borrowers to benefit from program subsidies - DHSUD, Pag-IBIG Fund execs

The Pambansang Pabahay Para sa Pilipino Housing (4PH) Program - the government's flagship housing project provides affordably-priced homes and lower monthly amortization costs through various subsidies for Filipino workers who are members of Pag-IBIG Fund, the Department of Human Settlements and Urban Development (DHSUD) together with Pag-IBIG Fund executives announced last May 1, Labor Day.

"Our housing agenda aims to ensure that all Filipino workers have the means to accessible and affordable housing opportunities. Through the subsidies extended to beneficiaries of the 4PH program, prices of homes and monthly amortization costs will be significantly reduced. This is in line with President Marcos' Philippine Development Plan 2023-2028 to address the country's housing needs.,” said Secretary Jose Rizalino L. Acuzar, who leads the Department of Human Settlements and Urban Development (DHSUD) and the 11-member Pag-IBIG Fund Board of Trustees.

Subsidies on Price and Interest

The housing czar said that housing units to be sold under the Pambansang Pabahay (4PH) program will be more economically priced than other residential units in the market in keeping with the price ceiling imposed by the government for affordable housing.

Housing loan borrowers who will avail of units under the Pambansang Pabahay (4PH) program through a Pag-IBIG Housing Loan will enjoy an even lower interest rate than what Pag-IBIG Fund currently provides, which is already considered the lowest in the market. DHSUD will subsidize up to 5% of the loan's outstanding interest rate, allowing borrowers to pay a reduced interest rate on their loans. This will ensure that Filipino workers can now fulfill their homeownership dreams, especially those with limited financial resources.

Focus on Sustainability and Communal Spaces

The Pambansang Pabahay (4PH) program also showcases green features, providing communal open spaces and gardens, as well as amenities such as swimming pools and basketball court ensuring that residents will have comfortable and improved living conditions.

Acuzar emphasized that future homeowners of the Pambansang Pabahay housing units will experience a well-designed and self-sufficient community through a township model. This framework allows residents to live within cities with access to commercial spaces, educational institutions, healthcare centers, and other essential infrastructure.

"Interested Filipino workers can easily avail of the Pambansang Pabahay (4PH) program through their Pag-IBIG Fund membership by applying for a special Pag-IBIG housing loan under 4PH, and by coordinating with their local government housing board so that they maybe listed under the 4PH program's pre-identified applicants. *Our work to address the housing backlog is truly a coordinated effort by the national government, the local government units, the housing sector, private developers, and the community,” Acuzar added.

Pag-IBIG membership as key to homeownership

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta expressed full support for the program and invites its members to take advantage of the Pambansang Pabahay (4PH) program's benefits.

"Pag-IBIG Fund fully supports the DHSUD in its proactive approach to addressing housing affordability challenges by helping both property developers and buyers. Our 4PH-Direct Developmental Loans provide the program proponents and property developers with financial means to develop housing projects and affordable yet quality housing units for Filipino workers. Interested buyers, on the other hand, can avail of the Pag-IBIG Pambansang Pabahay (4PH) Housing Loan and enjoy interest and amortization subsidies and borrower friendly loan terms, assuring them of affordable monthly payments within their budget. For the program to be sustainable, it is vital for our buyer-beneficiaries to pay their amortizations and real property taxes on time, as well as maintain the upkeep of the township. As aptly stated by Sec. Acuzar, the communities play a key role in solving the housing backlog," Acosta said.

MP2 Savings P28.75B

Pag-IBIG members save record-high P28.75B in Q1 2024, up 36%; MP2 Savings reach P15.56B, up 48%

In the first quarter of 2024, Pag-IBIG Fund members collectively saved a record P28.75 billion, setting the highest amount ever saved in the agency’s history during a first quarter, according to top officials. This represents a 36% increase—roughly P7.66 billion more than the P21.09 billion saved during the same period in 2023.

Part of the total savings collections is the agency’s Pag-IBIG Regular Savings, which saw a 25% increase from P10.58 billion in the first quarter of 2023 to P13.19 billion this year.

“Our strong savings collections reflect the trust and confidence our members place in us, along with our ability to prudently manage their savings. Pag-IBIG Fund’s strong financial position enables it to offer low interest rates and support the financing side of the Pambansang Pabahay Para sa Pilipino (4PH) program, a flagship program of President Ferdinand Marcos, Jr.,” said Secretary Jose Rizalino L. Acuzar, who heads the Department of Human Settlements and Urban Development (DHSUD) and the 11-member Pag-IBIG Fund Board of Trustees.

In February, Pag-IBIG Fund implemented the new mandatory monthly savings rates of P200 for both the employees and the employers’ share. The increase was the first ever increase that Pag-IBIG Fund implemented since it was established in 1986. 

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta, meanwhile, noted that the agency’s popular MP2 Savings continues to drive the growth of its members’ savings. The voluntary savings program maintained its growth, with members saving a record-high P15.56 billion, which accounted for 54% of the total savings collected in the quarter.

Acosta further highlighted the continued trust and confidence of their members, as shown in the consecutive years of record-highs in savings collections. 

“With the implementation of the new mandatory monthly contribution rates of P200 from both members and employers, Pag-IBIG members can expect substantial savings in the future and access to higher cash loans. Our goal remains the same – to maximize the growth of our members’ savings and keep home loan interest rates low”, Acosta said. 

Source: Pag-IBIG Fund.

Pag-IBIG Fund Awards Top Developers and Employers

Pag-IBIG Fund Awards Top Developers and Employers in National Capital Region

Pag-IBIG Fund recognized top developers and employers in National Capital Region for the first leg of the 2023 Stakeholders' Accomplishment Report (StAR) held in Pasay City on Tuesday (16 April 2024). 

Here's the Complete List of Pag-IBIG Star Awardees in the National Capital Region for 2023:

Top Developers

1. 8990 Group of Companies
2. Raemulan Lands, Incorporated
3. Axeia Group of Companies
4. Homemark Group of Companies 
5. The New APEC Group of Companies
6. Charles Builders Group of Companies
7. Westchester Realty Corporation
8. Borland Development Corporation
9. Pacific-Town Property Ventures Incorporated
10. Citi-Homes Builder Group of Companies

NCR North East Top Employers in Government Sector

- The House of Representative 

- Bureau of Jail Management 

- National Center for Mental Health

NCR North East Top Employers in Private Sector

- Robinsons Supermarket Corporation

- Sitel Philippines Corporation 

- United Laboratories Incorporated (UNILAB)

NCR North South West Top Employers in Government Sector

- Finance Center Philippine Army (FCPA) 

- The City Government of Makati 

- Metropolitan Manila Development Authority (MMDA)  

NCR North South West Top Employers in Private Sector

- Lizard-Bear Tasking Incorporated 

- Optum Global Solutions Philippines Incorporated 

- DBP Service Corporation (DBPSC)  

Top Collection Agency

- S.P. Madrid & Associates

Special Awards and Citations

Top Manning Agency: Magsaysay Maritime Corporation

Top Loyalty Card Partner in National Category: PH Global Jet Express Incorporated or (J&T Express)

Top Loyalty Card Partner in Regional Category: CW Marketing and Development Corporation

Highest in Number of Units Taken Out: Raemulan Lands, Incorporated

Best in Conversion: Pacific-Town Property Ventures Incorporated 

Best in Performing Loans Ratio: Borland Development Corporation 

Best in Performing Accounts Ratio: Citi-Homes Builder Group of Companies

The event also saw Pag-IBIG Fund and its stakeholders renew their pledge to integrity, in line with their shared effort to conduct all transactions with utmost professionalism and integrity towards achieving the highest tenets of public service.

The Pag-IBIG StAR is held by the agency to apprise stakeholders in each of the country’s major regions of its accomplishments, and recognize them for their outstanding contributions.

Sagisag Award

Pag-IBIG Fund wins PS-DBM 'Sigasig' Award

Pag-IBIG Fund Senior Vice President Elmer Gabriel Tugade and Administrative Services Officer V Vanessa Valderama receive the first ever 'Sigasig' Award from officials of the Procurement Service-DBM at a ceremony held at the PICC on February 29. 

According to PS-DBM, the award recognizes the resolve of Pag-IBIG Fund in having procurement projects, posted in the PhilGEPS, awarded. 

This highlights Pag-IBIG's commitment to uphold transparency and efficiency in its operations.

Emergency Fund

What is the Emergency Fund?

The Emergency Fund is an interest-earning savings fund that lets you build the ideal emergency savings equal to 3x your monthly income. It can earn up to 5% interest yearly.

SAVE

Guaranteed interest and protection

Protect and build your target Emergency Fund equal to 3x your monthly income with up to 5% yearly interest and life and disability insurance

PLAN

Smart financial planning tool

Get recommended goals that you can adjust and track based on your different life stages.

PROTECT

Customizable insurance and investment

Grow your savings potential with investment-linked insurance, and secure it from unplanned withdrawals with life and health insurance that fits your budget.

It also comes with instant life and disability insurance coverage called Protect from Emergency. So, in case disability or death happens while you’re still building up your emergency fund, you or your beneficiary/ies will receive a cash benefit equal to 3x your monthly income.

Plus, it comes with a free Singlife Visa Debit Card that you can use to access your emergency fund whenever needed.

Cash in today for only Php 250

• Additional Php 250 cash credits to your Emergency Fund
• 5% yearly interest rate on your Emergency Fund

Achieve your financial goals with Singlife Plan & Protect App

A better way to save, plan, and protect in one easy app...

Start Building Your Singlife Emergency Funds for FREE here!

Singlife Referral Program

Why be a Singlife Champion?

Being a Singlife Champion comes with the following perks:

A chance to help friends and family achieve financial control

• Help your friends get personalized financial recommendations fit for their current life stage and customizable according to their budget.
• Prepare them for the unexpected with easily manageable insurance products.
• Give them a chance to have peace of mind with an affordable life and disability insurance as they build their Emergency Fund, which earns up to 5% guaranteed interest annually.

Easy and trackable way to get referrals

• Get everything you need to champion Singlife Plan & Protect App's many financial products and features.

Boost your Emergency Fund with passive earning

• Get cash credits to your Emergency Fund for every successful referral.

How to be a Singlife Champion

Being a Singlife Champion is easy:

Activate your Singlife Emergency Fund

• You will need to have an active Emergency Fund to become a Singlife Champion. Don’t have a Singlife account yet? Download here.
• Cash credits from referrals who have successfully cashed in will be credited to the Emergency Fund.

Generate your unique referral codes

• Use the mobile number registered to your Singlife account to generate your unique referral code.
• Share and post your referral codes for friends and family to use.

Start earning cash credits

• Get a referral fee for every referee who have successfully cashed in to their Emergency Fund.
• Php 200 will be credited to your Emergency fund for every Protect from Emergency Policy activated by your referrals.
• Php 100 will be credited to your Emergency fund for other Singlife Plan & Protect qualified products that your referee gets.
• Referral fees are credited to your Emergency Fund every two weeks.

Create Singlife Account for FREE Here.

DIPLOMA o DISKARTE?

Diploma o 💡 Diskarte: Alin ang Iyong Pinakamabisang Laban?

Sa larong buhay, ang edukasyon at diskarte ay parehong mahalagang baraha. 

🃏 Habang ang diploma ay nagbubukas ng mga pinto sa pamamagitan ng pormal na kwalipikasyon, ang "diskarte" naman ay naglalayong magbigay solusyon sa pamamagitan ng katalinuhan at kakayahan. 

🌟 Sa pagtatagpo ng kaalaman at katalinuhan, naroon ang tagumpay. 

💼 Ano ang landas na pipiliin mo upang malampasan ang iyong mga hamon? Alamin natin ito ng sama-sama! 

Kabayan, hindi ka pwedeng umasa lang sa DIPLOMA.

Ano ba ang diploma? Ang DIPLOMA ay isa lamang na kapirasong papel na pinaganda, ginawan ng disenyo at nilagdaan ito ng mga kinauukulan at ito ang batayan at nagsasabi na nakapasa ka sa lahat ng examinations mo sa'yong iskwelahan.

Pero hindi ibig sabihin na kapag meron ka diploma ay magiging successful ka na.

Alam mo ba na halos karamihan ay merong diploma pero hindi nagamit yung inaral nila.

Hindi ibig sabihin pag may diploma ka, masaya ka na.

Maraming may diploma pero iba ang trabaho.

Maraming may mga diploma pero hindi parin sila umasenso at hindi sila masayan sa buhay nila.

Kasi yung pinag aralan nila ay hindi akma sa trabaho nila ngayon at hindi naman talaga iyon ang passion nila.

Hindi ka din pwedeng umasa sa DISKARTE lamang…

Ang Diskarte kasi ibig sabihin ay ang pagiging maparaan. (Resourcefulness)

Kailangan mo lang ng matinik na DISKARTE kapag may problema ka na kailangan i-solved. Hindi mo kailangan ng diskarte araw-araw.

Diploma o Diskarte? Alma mo ba na ang pinaka importate at pinaka kailangan natin ay Dedikasyon!

Kasi kapag may dedikasyon ka sa ginagawa mo, panigurado magbubunga yung ginagawa mo, kahit ano pa yan…. Trabaho o negosyo!

Kapag binuhos mo ang ang 'yong oras, effort at buhay mo sa isang bagay na gustong gusto mo at ginagawa mo, imposibleng hindi ka maging successful.

Lahat ng tao na may na achieve na malaki sa buhay, lahat sila dedicated.

Meron silang pambehirang dedikasyon sa buhay at sa ginagawa nila. At pinaka importante sa lahat, magiging masaya ka at kontento ka!

Ibuhos mo lang naman ang buhay mo or ibigay mo ang didikasyon mo sa something na mahalaga at magpapasaya sayo.

Diploma o Diskarte? Hindi mo kailangan mamili. 

Pwede meron ka ng isa dyan, pwedeng parehas meron ka, pwede din parehas wala ka nyan.

Pero ang hindi pwedeng mawala, at ang kailangan nating lahat ay DEDIKASYON. Dahil sa totoo lang ay maraming tao ngayon ang wala nyan.

Ikaw, ano yong pananaw o openyon mo, DIMPLOMA o DISKARTE?

#DiplomaVsDiskarte #BuksanAngIyongPotensyal #EdukasyonAtKatalinuhan

2023 Dividend Rates for P1 at MP2 Savings

2023 DIVIDENDS and RETURNS are higher this year!

Pag-IBIG Fund has formally unveiled the highly-anticipated Pag-IBIG Savings Dividend rates for Y2023 in today's Chairman's Report on February 27, 2024. 

President Ferdinand R. Marcos, Jr., together with Pag-IBIG CEO Marilene C. Acosta, unveiled the dividend rates of:

[P1] Pag-IBIG Regular Savings: 6.55% per annum

[MP2] Pag-IBIG MP2 Savings: 7.05% per annum

#PagIBIGFund

#ChairmansReport

#2023DividendsAnnouncement

2x Savings

At first glance, Php200 might seem like a modest sum, just a small fraction of your monthly paycheck. Yet, as the saying goes, "Little drops of water make a mighty ocean." Imagine redirecting that same Php200 towards a significant goal – your savings. This perspective aligns perfectly with the Home Development Mutual Fund, or Pag-IBIG Fund, which can serve as a tool to empower Filipinos to save smartly.

Starting February 2024, Pag-IBIG members can now enjoy double the savings under the agency’s latest rates. The maximum amount used to calculate Pag-IBIG contributions, called the Monthly Fund Salary (MFS), has gone up from P5,000 to Php10,000. This change affects the resulting 2% contribution rate, which is the percentage of your salary that both you and your employer contribute to Pag-IBIG. With the new maximum MFS, you and your employer shall now each put in Php200 per month (2% of Php10,000) instead of the previous Php100. So, a member’s total monthly contribution is now Php400. Check out the table below.

This increased contribution goes into your Pag-IBIG Regular Savings. While it might not seem like much initially, after a year, you'll have saved Php4,800. This change essentially doubles your savings with Pag-IBIG. And what’s more, this shall earn annual dividends, which shall be based on Pag-IBIG’s earnings during the year.

Why Does this Matter?

The recent increase in savings for Pag-IBIG Fund members comes with some good perks. The bump in savings shall translate to a larger cash loan, helping you gain more funds to achieve your goals or to address emergencies.  

That Php200 from your monthly paycheck could also be the key to unlocking homeownership sooner than you think. With more funds to use, Pag-IBIG shall be able to continue financing more home loans at low interest rates – and one of these loans may be yours.  

And, if retirement is on your radar, the increased contributions translate to a more substantial retirement payout. Imagine retiring with a bit more in your pocket, ensuring better benefits as you transition into your golden years. It's about securing your future and enjoying the fruits of your labor when the time comes.

Look at a sample computation below to see how the new rates can affect a member’s lump sum and dividends.

"The increase in the Pag-IBIG Monthly Savings Rates shall benefit our members the most because every peso they save will go to their Pag-IBIG Savings. Under our new rates, they will have higher Pag-IBIG Savings that earn annual dividends, which they shall receive upon membership maturity or retirement,” explained Marilene C. Acosta, Pag-IBIG Fund Chief Executive Officer.

“For example, based on our old rates, a member would receive around P87,000 upon reaching membership maturity. On the other hand, a member who saves under our new rates over a period of 20 years would receive P174,000 or double the amount. And, because of their higher savings, they shall also be entitled to higher multi-purpose and calamity loan amounts to help them with their financial needs.”

Think of your Php200 not merely as a contribution but as a strategic move towards your future. This means you can aim for your life goals and buy your own home, while conveniently preparing for a comfortable retirement. Pag-IBIG Fund can help you make smart money decisions and unlock your dreams. Check out these Frequently Asked Questions (FAQs) from the official Pag-IBIG website to get you started.

2024 Best Investment

Become A Member | Create Virtual Account | Extra Income

Paano Mag Bayad o Mag Save Sa P1 at MP2

PAYMENT FACILITIES

• Over-the-Counter Payment

• Non-Bank (Bayad Center, SM, M.Lhuillier & ECPay)
• Bank (AUB, MBTC, & LBP)
• Pag-IBIG Fund Branches nationwide

• Digital (Mobile/Internet)

• Non-Bank ( Gcash, Coins.ph powered by Bayad Center,
• Pay by Maya (formerly PayMaya),
• ECPay, Lazada, Shopee & SNDT Express)
• Bank (AUB, UCPB)

• Online Payment Facilities

• Debit/Credit powered by Visa & Mastercard
• JCB
• Pay by Maya (formerly PayMaya)

• Employers’ On-line Payment Facility (UBP, BPI, LBP, SBC & Bancnet)

• Overseas Remittance (PNB, AUB, iRemit, & Ventaja)

Should I Save or Invest?

Karamihan sa atin ay tinuruan ang mga pakinabang ng pag-iipon ng pera mula sa murang edad, ngunit sapat na ba ang pag-iipon ng pera? Habang tumatanda ka, magkakaroon ka ng mas malalaking desisyon sa pananalapi na dapat isaalang-alang, tulad ng pagbili ng bahay o kotse. Bagama't mas mataas ang kita ng pamumuhunan kaysa sa pag-iwan ng iyong pera sa isang savings account, mas mapanganib din ito. Ito ang dahilan kung bakit madalas na nag-aalangan ang mga tao na magsimulang mamuhunan. Depende sa iyong mga maikli at pangmatagalang layunin, narito kung paano makatipid at mamuhunan ng pera nang matalino.

Pag-iimpok kumpara sa Pamumuhunan

Ang ibig sabihin ng pag-iipon ay ilagay ang iyong pera sa isang medyo walang panganib na bank account. Ito ay pera sa mga savings account na madaling ma-access kapag kinakailangan. Ang mga tao ay madalas na nag-iipon para sa hinaharap na gastos o isang pangangailangan.

Ang pamumuhunan, sa kabilang banda, ay kinabibilangan ng paggamit ng iyong pera upang bumili ng asset na bubuo ng mas mataas na kita, ngunit may mas maraming panganib na kasangkot. Kasama sa ilang uri ng pamumuhunan ang mga stock, mutual funds, real estate, shares at higit pa. Karamihan sa mga taong namumuhunan ay ginagawa ito upang mapalago ang kanilang pera at makamit ang mga pangmatagalang layunin sa pananalapi.

Pagpapasya sa pagitan ng pag-iimpok at pamumuhunan

Parehong may sariling benepisyo ang pag-iimpok at pamumuhunan. Karamihan sa mga tao ay madalas na nagsisimula sa pag-iipon muna, bilang isang safety net, sa kaso ng mga hindi inaasahang gastos o pagkawala ng kita. Ang iyong ipon o “emergency fund” ay dapat sumaklaw ng hindi bababa sa 3 hanggang 6 na buwan ng iyong mga gastos upang maiwasan ang stress ng mga problema sa pananalapi. Ang pangkalahatang tuntunin ay mag-ipon ng hindi bababa sa 10% ng iyong suweldo o hangga't kaya mo upang makamit ang seguridad sa pananalapi.

Kapag matatag ka na sa pananalapi at may kumportableng halaga ng pera na naipon sa iyong bank account, maaari mong isaalang-alang ang pamumuhunan. Bago ilagay ang iyong pera sa isang pamumuhunan, mahalagang isaalang-alang ang iyong mga layunin sa pananalapi. Kadalasan, ang iyong mga pondo ay kailangang manatili sa isang plano sa pamumuhunan sa loob ng 3-5 taon, depende sa uri ng pamumuhunan na iyong pipiliin.

Ang bentahe ng mga pamumuhunan ay na ito ay bumubuo ng mas mataas na kita kumpara sa pag-iwan ng iyong pera sa isang bank account. Sa inflation, minsan hindi sapat ang pagtabi lang ng pera. Gayunpaman, mahalagang tandaan na may mas mataas na panganib na kasangkot pagdating sa pamumuhunan at maaari kang mawalan ng pera kung hindi ka maingat. Kung mas mataas ang kita, mas mataas ang mga panganib na kasangkot. Samakatuwid, ito ang dahilan kung bakit dapat ka lamang mamuhunan ng pera na maaaring hindi mo kailangan sa nakikinita na hinaharap.

Kaya, alin ang mas mahusay?

Ang kumbinasyon ng pag-iipon at pamumuhunan ay pinakamahusay na gumagana. Una, magtrabaho patungo sa pag-secure ng isang malusog na halaga ng mga ipon sa iyong bank account. Pagkatapos, simulan ang pamumuhunan upang bigyan ang iyong pera ng mas maraming pagkakataon na lumago. Sa pagtatapos ng araw, kung gaano karaming pera ang napagpasyahan mong ilagay sa iyong mga ipon o pamumuhunan ay depende sa iyong mga layunin at pagpaparaya sa panganib.

Pagdating sa Financial Management, pwedi mo simulang mag save at mag invest dito:

• P1 (Pag-IBIG)
• MP2 (Pag-IBIG)
• GInvest (GCash)
• PHStock (GCash)
• Singlife (GCash)

▪︎ Wala kapa ba EMERGENCY FUNDS?

▪︎ Gusto mo ba magkaroon ng Emergency Fund mo at the same time kikita ng 5% interest rate p.a.?

Good news dahil may Promos for the early users of the Singlife Plan and Protect app?

You will get the following benefits if you download the app and cash-in at least PHP 1,000 to your Emergency Fund: 

1. Get 5% yearly interest rate during the App trial period and access it with the free visa debit card
2. A coverage of 6-month disability and life insurance, equivalent to 3X your monthly income
3. An access to personalized advice and meaningful insurance solution that fits the pocket!

Create Singlife Account for FREE Here

Are you looking for a STABLE Company, EXCEPTIONAL PRODUCTS and SOLID OPPORTUNITY?

Discover More about My Online Business Worldwide; 

🌏 LIVING IN ASIA & OTHER COUNTRIES

🌍 LIVING IN EUROPE & UK

🌍 LIVING IN USA & CANADA

If You're Interested, You May REGISTER ONLINE  for FREE here!

How To Set Up An Emergency Fund?

Ang paunang pagpaplano ay isang mahalagang salik sa paglampas sa anumang mga problemang nararanasan sa buhay. Totoo rin ito kapag inilapat sa mga tuntunin ng katatagan ng pananalapi. Walang sinuman ang makapaghula na ang pandemya ng COVID-19 ay magkakaroon ng napakalawak na kahihinatnan, na may mga taong nawalan ng trabaho at nahaharap sa mga problema sa pananalapi, lalo na ang mga hindi nag-set up ng isang emergency fund. Kaya naman, binibigyang-diin nito ang kahalagahan ng mga pondong pang-emergency sa mga kapus-palad na kalagayan tulad ng pandemyang ito.

Para sa mga interesado ngunit walang ideya kung paano bumuo ng isang emergency fund, narito ang ilang mga tip sa emergency fund upang maihatid ka sa tamang landas.

1. Suriin ang iyong kita at paggasta

Bago simulan ang isang emergency fund, kailangan mo munang malaman ang iyong mga gawi sa paggastos at pagkasira. Ikategorya ang iyong mga gastos at subaybayan kung magkano ang ginagastos mo sa pagkain, transportasyon, mga utility, entertainment, at iba pa. Mahalagang pag-aralan kung gaano kalaki ng iyong suweldo ang napupunta sa mga pangangailangan vs. Kapag nakuha mo na ang bilang na iyon, mas madaling mahihinuha kung magkano ang maaari mong i-save nang kumportable bawat buwan at kung saan maaaring kailanganin mong bawasan ang paggasta.

2. Magtakda ng layunin para sa iyong pondo

Kapag nagse-set up ng emergency fund, mahalagang tiyakin na mayroon kang layunin sa isip. Ang pagkakaroon ng isang malinaw na layunin at isang bagay na dapat gawin ay magpapanatiling motibasyon sa iyo na mag-ipon. Kapag nagsisimula, panatilihing nakikita at madaling makamit ang iyong mga layunin, at unti-unting gawin ang iyong paraan hanggang sa mas malalaking layunin. Ang isang tipikal na pondong pang-emerhensiya ay dapat sumaklaw ng humigit-kumulang 3 hanggang 6 na buwan ng iyong mga buwanang gastos, kaya tandaan iyon kapag nagtatakda ng layunin para sa iyong pondo.

3. Mag-ipon ng hindi inaasahan o dagdag na kita

Ang lahat o bahagi ng anumang hindi inaasahang kita ay dapat i-funnel sa iyong emergency fund. Ang hindi inaasahang kita ay maaaring mangahulugan ng pera na hindi mo inaasahang makukuha sa anyo ng isang mana, mga cash na regalo, panalo sa lotto, at iba pa. Itinuturing ding dagdag na kita ang mga income tax return at mga bonus, at dapat ding gamitin para mabuo ang iyong emergency fund.

4. Gumawa ng plano at manatili dito

Ang pagbuo ng iyong emergency fund ay nangangailangan ng wastong pagpaplano at disiplina. Gumawa ng hiwalay na account para i-deposito ang iyong mga ipon. Ang account na ito ay dapat manatiling hindi nagalaw maliban kung may emergency. Makakatulong ang mga awtomatikong pagbabayad sa account na ito upang mabawasan ang tuksong gumastos. Unahin ang iyong kinabukasan at katatagan sa pananalapi bago isipin ang paggastos ng iyong pera.

Pagdating sa Financial Management, pwedi mo simulang mag save at mag invest dito:

• P1 (Pag-IBIG)
• MP2 (Pag-IBIG)
• GInvest (GCash)
• PHStock (GCash)
• Singlife (GCash)

▪︎ Wala kapa ba EMERGENCY FUNDS?

▪︎ Gusto mo ba magkaroon ng Emergency Fund mo at the same time kikita ng 5% interest rate p.a.?

Good news dahil may Promos for the early users of the Singlife Plan and Protect app?

You will get the following benefits if you download the app and cash-in at least PHP 1,000 to your Emergency Fund: 

1. Get 5% yearly interest rate during the App trial period and access it with the free visa debit card
2. A coverage of 6-month disability and life insurance, equivalent to 3X your monthly income
3. An access to personalized advice and meaningful insurance solution that fits the pocket!

Create Singlife Account for FREE Here

Are you looking for a STABLE Company, EXCEPTIONAL PRODUCTS and SOLID OPPORTUNITY?

Discover More about My Online Business Worldwide; 

🌏 LIVING IN ASIA & OTHER COUNTRIES

🌍 LIVING IN EUROPE & UK

🌍 LIVING IN USA & CANADA

If You're Interested, You May REGISTER ONLINE  for FREE here!