Pag-IBIG MPL, mas Pinalaki at mas Pinadali ang Pag-qualify para sa mga Miyembro

Pag-IBIG MPL, mas pinalaki at mas pinadali ang pag-qualify para sa mga miyembro

Mas pinahusay ng Pag-IBIG Fund ang Multi-Purpose Loan (MPL) nito upang mas malaki na ang maaaring mahiram ng mga miyembro, mas maikli na ang panahon upang mag-qualify, at mas maraming pagpipiliang repayment terms. Ayon sa ahensya, ang mga pagbabagong ito ay bunsod ng patuloy nitong pagtugon sa mga pangagailangan ng mga miyembro nito.

Sa ilalim ng mas pinagbuting Pag-IBIG MPL, maaari nang makahiram ang mga miyembro ng hanggang 90% ng kanilang kabuuang Pag-IBIG Regular Savings—mas mataas ng 12.5% kumpara sa dating 80%. Para sa mga miyembro dinagdagan at inupgrade ang kanilang regular savings, lalo pang tataas ang kanilang loan amount dahil nakabase sa kanilang ipon ang kanilang mahihiram. Sa kabuuan, mas malaki ang maaaring matanggap ng mga miyembro mula sa MPL upang lalong makatugon sa kanilang pangangailangan. Ang mga pagbabagong ito—mas mataas na halaga at mas mabilis na eligibility—ay ipatutupad din sa iba pang Short-Term Loan programs ng Pag-IBIG, tulad ng Health and Education Loan Programs (HELPS) at Calamity Loan.

Bukod sa mas malaking loan amount, mas pinaiksi rin ang panahon para maging eligible ang mga miyembro. Sa ilalim ng pinahusay na programa, maaari nang mag-loan ang mga aktibong miyembrong may 12 buwang hulog sa Pag-IBIG – mas mabilis ito kumpara sa dating requirement na 24 buwan. Dahil dito, mas maaga nang makaka-access ng pondo ang mas maraming miyembro para sa kanilang mga agarang pangangailangan. Samantala, ang mga miyembrong may existing loan sa ilalim ng dating guidelines ay maaari ring mag-apply muli sa enhanced MPL kung kailangan pa nila ng karagdagang cash dahil sa mas mataas na loan entitlement. Ang mga pagbabagong ito ay magiging available simula Mayo 16.

Kabilang din sa mga pagbabago sa Pag-IBIG MPL ang bagong one-year repayment term bilang dagdag na opsyon sa existing na two at three-year terms nito. Nagbibigay ito ng karagdagang flexibility para sa mga miyembro, upang lalong maiakma ang buwanang bayad sa loan sa kanilang financial capacity.

Pag-IBIG Home Loans Reach P76.94B

Pag-IBIG sets record anew as home loans reach P76.94B in Jan to Aug, up 6%

Pag-IBIG Fund has released P76.94 billion in home loans in the last eight months, breaking its record on the highest home loan disbursement for any January to August period, agency officials announced on Friday (September 15).

“We are happy to report that Pag-IBIG Fund has once again set a record high in terms of home loan releases during the first eight months of the year. The sustained growth of our home loans mean that more and more Filipino workers are being helped by Pag-IBIG Fund to have homes they can call their own. This is one of our ways to heed the call of President Marcos to provide sustainable and inclusive housing for Filipinos,” said Secretary Jose Rizalino L. Acuzar, who heads the Department of Human Settlements and Urban Development and the 11-member Pag-IBIG Fund Board of Trustees.

Acuzar added that the amount of home loans released by the agency during the period is P4.23 billion or 6 percent higher compared to the P72.71 billion released during the same period in 2022, and financed 59,840 homes of Pag-IBIG Fund members. He further noted that out of this total number, 7,450 or 12 percent are members from the minimum-wage and low-income sectors, who were able to secure a total of P3.15 billion in socialized home loans.

Meanwhile, Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta noted that the agency expects to sustain its performance for the remainder of the year, mainly driven by the agency’s move to further lower its home loan rates last July.

“We thank our members for choosing and trusting the Pag-IBIG Housing Loan to help them achieve their dream of home ownership. We assure our borrowers that we shall do all that we can to maintain the low rates of their loans and keep their monthly payments affordable. This is because we at Pag-IBIG Fund highly value sustainability, so that our current borrowers can maintain their ability to pay their loans and allow even more members to avail of our home financing programs. With four months to go before we end the year, we are optimistic that we shall once again set a banner year in the home loan front, and thus empower more Filipinos to become homeowners,” Acosta said. 

Pag-IBIG: Home Loan Releases Hit Record P57.07 Billion in H1

The Home Development Mutual Fund or Pag-IBIG Fund on Tuesday said it posted new record-high home loan releases in the first half of 2023.

In a statement, Pag-IBIG Fund said it released P57.07 billion worth of home loans from January to June this year, up 10% from P51.96 billion released during the same period in 2022.

“Pag-IBIG Fund's performance in the first six months of 2023 in the home loan front now stands out as the best in our history. We are happy that the number of Filipino workers who were able to become homeowners through Pag-IBIG’s Housing Loan programs continues to grow,” said Secretary Jose Rizalino L. Acuzar, who heads the Department of Human Settlements and Urban Development and the 11-member Pag-IBIG Fund Board of Trustees.

The Housing chief said the amount of home loans released by Pag-IBIG Fund during the period enabled 44,414 members to acquire their own homes.

Acuzar added that of the total number, 5,748 or 13% are Pag-IBIG Fund members from the minimum-wage and low-income sectors who are now homeowners after securing a total of P2.42 billion in socialized home loans.

For her part, Pag-IBIG Fund CEO Marilene Acosta expressed optimism that home loans will maintain their growth in the second half of the year, with Pag-IBIG Fund further reducing home loan rates earlier this month. — Ted Cordero/BM, GMA Integrated News.

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Pag-IBIG Net Income Hits P20.6B in First Half

THE Pag-IBIG Fund netted P20.61 billion in the first half of 2023, 11 percent higher compared to the same period last year, primarily due to earnings from housing and short-term (cash) loans, as well as investments.

Gross income for the period was P35.03 billion, 12 percent higher year on year.

"Our P20.61 billion net income during the first half of the year is the highest for any January to June period in our history," Pag-IBIG Fund Chairman Jose Rizalino Acuzar said.

Marilene Acosta, the agency's CEO, said members would ultimately benefit as Pag-IBIG's charter mandates that at least 70 percent of yearly net income be returned in the form of dividends and returns that are credited to their savings.

"With our second half projections on our loan releases, collections and performing loans ratio high, we are optimistic that we can maintain our financial performance and provide Filipino workers the best returns on their savings as well as the means to acquire their own homes through our affordable home financing," she added.

Total assets as of June rose to P873.15 billion, 6.0 percent higher compared to the end-2022 level of P827.40 billion.

The agency's robust financial position, Acuzar said, makes it well-equipped to provide financing for additional homes through the Pambansang Pabahay para sa Pilipino or 4PH Program.

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