ni Fely Ng @Bulgarific | July 20, 2022
Hello, Bulgarians! Inihayag kamakailan ng mga opisyal ng Pag-IBIG Fund na mas abot-kaya na ang home financing para sa mga miyembro nang ibinaba ang interest rates sa housing loan nito.
“We are keenly aware of the need to provide affordable housing to our members who dream of having their own homes. With Pag-IBIG Fund’s strong performance and robust fiscal standing, we are happy to announce that we have reduced the interest rates on our housing loan, making homeownership even more attainable for all Filipino workers. This is in line with the directive of President Ferdinand Marcos, Jr. to address the country’s housing backlog and help our fellow Filipinos gain better and dignified lives under the Pambansang Pabahay para sa Pilipino Housing or 4PH Program,” pahayag ni Secretary Jose Rizalino L. Acuzar, namumuno sa Department of Human Settlements and Urban Development (DHSUD) at sa 11-member Pag-IBIG Fund Board of Trustees.
Sa ilalim ng bagong rates, ang Pag-IBIG housing loan ay may mas mababang interes na 6.25% kada taon sa ilalim ng 3-year repricing period mula sa dating 6.375%.
Ang mga rate ng interes para sa 5, 10, 15, 20, 25 at 30-taon na repricing period ay nabawasan din sa 6.5 porsyento mula sa 6.625 porsyento, 7.125 porsyento mula sa 7.375 porsyento, 7.75 porsyento mula sa 8.00 porsyento, 8.50 porsyento mula sa 8.912 porsyento mula sa 9.375 porsyento at 9.75 porsyento mula sa 10.00 porsyento, ayon sa pagkakabanggit. Ang mga bagong rate ay nagsimula noong Hulyo 1.
Samantala, ang home loan rate ng ahensya sa ilalim ng 1-year repricing period nito ay nananatiling 5.75% kada taon, habang ang special interest rate para sa home loan ng mga minimum-wage earners sa ilalim ng Affordable Housing Program ay nananatiling 3 percent kada taon, ang pinakamababa sa merkado.
Ayon kay Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta, nagawang bawasan ng ahensya ang kanilang home loan rates dahil sa malakas nitong fiscal standing, record-high collections at high performing loans ratio.
“We at Pag-IBIG Fund take to heart our responsibility to provide our members with affordable home financing. With our performing loans ratio at a high 92.53% and collections from both membership savings and loan payments at a record-high, we are able to effectively fund the high demand for our home loans without the need to borrow from the market. As a result, we were able to reduce the interest rates on our housing loan, despite the upward market trend. This is truly Lingkod Pag-IBIG, Tapat na Serbisyo Mula Puso, at work,” dagdag pa ni Acosta.
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