Calamity Loan Program para sa mga Pag-IBIG Fund member na apektado ng bagyo

ni Fely Ng @Bulgarific | July 28, 2025

Hello, Bulgarians! Alinsunod sa direktiba ni Pangulong Ferdinand Marcos, Jr. na maghatid ng agarang suporta sa mga Pilipino sa mga lugar na sinalanta ng kalamidad, agarang pinakilos ng Pag-IBIG Fund ang Calamity Loan Program nito para tulungan ang mga miyembrong naapektuhan ng Typhoon Crising.

“We are ready to assist our members affected by Typhoon Crising through the Pag-IBIG Calamity Loan,” pahayag ni Secretary Jose Ramon P. Aliling, namumuno sa Department of Human Settlements and Urban Development at chairperson ng 11-member Pag-IBIG Fund Board of Trustees. “We continue to closely monitor developments and are prepared to provide immediate aid in areas that may be declared under a state of calamity in the coming days. This is part of our continuing effort in heeding the call of President Marcos to deliver timely relief and support to those in need,” aniya.

Sa ilalim ng Pag-IBIG Calamity Loan Program, ang mga kwalipikadong miyembro ay maaaring humiram ng hanggang 90% ng kanilang kabuuang Pag-IBIG Savings, na binubuo ng kanilang buwanang savings, employer counterpart contributions, at earned dividends. Ang loan ay may interest rate na 5.95% kada taon, ang pinakamababa para sa mga cash loan sa merkado, at babayaran sa loob ng hanggang tatlong taon, na may tatlong buwang palugit bago ang unang pagbabayad. Ang mga miyembro ay maaaring maghain ng kanilang loan application sa loob ng 90 araw mula sa pagdeklara ng state of calamity sa kanilang lugar.

Samantala, sinabi naman ni Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta na ang mga sangay ng Pag-IBIG ay nakikipag-ugnayan na ngayon sa mga local government unit sa kani-kanilang lugar para sa deployment ng mobile branch ng ahensya, ang Lingkod Pag-IBIG On-Wheels, upang tumanggap ng mga loan application mula sa mga miyembro, gayundin ang insurance claims mula sa mga kasalukuyang Pag-IBIG Housing Loan borrower na ang mga ari-arian ay nasira dahil sa bagyo.

“When calamities strike, we at Pag-IBIG understand that our members in affected areas need immediate financial assistance. For this reason, we make sure that all our services and benefits remain accessible to our members. Even while our offices and personnel in typhoon-hit areas have also been affected, our branches remain open and are ready to receive loan applications and housing loan insurance claims. We are also set to deploy our Lingkod Pag-IBIG On-Wheels to initially go around these areas once roads are accessible, to further bring our services closer to our members who are most in need. And, for members who have internet access, the Virtual Pag-IBIG is ready to accept their Calamity Loan applications online. During these trying times, our members can continue to count on Lingkod Pag-IBIG,” saad ni Acosta.

---

Para sa anumang impormasyon, opinyon, isyu o maging imbitasyon, mag-e-mail sa bulgarific@gmail.com o sumulat kay Ms. Bulgarific at ipadala sa Bulgar Bldg., 538 Quezon Avenue, Quezon City.

12th 'Unmodified Opinion' ng COA, natanggap ng Pag-IBIG Fund

ni Fely Ng @Bulgarific | August 4, 2024

Hello, Bulgarians! Nakatanggap ang Pag-IBIG Fund ng isa pang ‘Unmodified Opinion’ mula sa Commission on Audit (COA) para sa ika-12 magkakasunod na taon. Sa isang liham na may petsang 21 Hunyo 2024, ipinaalam ng mga state auditor sa ahensya na nagbigay ito ng unmodified opinion sa pagiging patas ng presentasyon ng mga financial statement ng Pag-IBIG Fund para sa 2023.

“This recognition from the COA, which Pag-IBIG Fund has earned for the 12th consecutive year, is a result of Pag-IBIG Fund’s commitment towards excellence and integrity in managing our members’ funds. We stay true to our mandate of providing secured savings and shelter financing in line with the directive of President Ferdinand Marcos, Jr. of providing means for Filipinos to achieve a better quality of life,” saad ni Secretary Jose Rizalino L. Acuzar, namumuno sa Department of Human Settlements and Urban Development and Chairman at sa 11-member Pag-IBIG Fund Board of Trustees.

Ang Pag-IBIG Fund ay tumanggap ng ‘unqualified opinion’ sa COA mula 2012 hanggang 2017 at ‘unmodified opinions’ mula 2018 hanggang 2023. Ang parehong unqualified and unmodified opinions ay nagpapahiwatig na ang financial statement ng isang ahensya o korporasyon ng gobyerno ay ipinakita sa lahat ng materyal na aspeto, alinsunod sa naaangkop na mga balangkas ng pag-uulat sa pananalapi.

“Pag-IBIG Fund achieved several milestones in 2023. Our financial standing remains strong, as we concluded 2023 with a record-high net income before MP2 returns of P49.79 billion. Pag-IBIG Fund also surpassed its housing records by releasing a total of P126.04 billion in housing loan takeouts, the highest home loans released during a single year in its 43-year history. This helped 96,848 members acquire new or better homes. Membership savings collection also reached a record high, with membership savings collections amounting to P89.26 billion. All these enabled Pag-IBIG Fund to declare P48.76 billion in dividends, which was distributed to its members as earnings on their savings for said year — highest in the history of Pag-IBIG Fund,” pahayag ni Pag-IBIG Fund CEO Marilene C. Acosta.

“Earning the ‘unmodified opinion’ for the 12th consecutive year further signifies how we were able to achieve our best performance while maintaining the highest standards of financial integrity. Our members and stakeholders can rest assured that we will remain their reliable partner and that we will continue to serve them with Tapat na Serbisyo, Mula sa Puso,” dagdag pa ni Acosta. 

---

Para sa anumang impormasyon, opinyon, isyu o maging imbitasyon, mag-e-mail sa bulgarific@gmail.com o sumulat kay Ms. Bulgarific at ipadala sa Bulgar Bldg., 538 Quezon Avenue, Quezon City.

Mga kooperatiba sa Antique, tinutukan ng SSS

ni Fely Ng @Bulgarific | August 1, 2024

Hello, Bulgarians! Ipinahayag ng Social Security System (SSS) na mahigit 8,000 miyembro ng SSS ang maaari nang magbayad ng kanilang buwanang kontribusyon sa pamamagitan ng kani-kanilang mga kooperatiba matapos lumagda ang SSS ng partnership deal sa dalawang kooperatiba sa lalawigan ng Antique.

Sinabi ni SSS President at Chief Executive Officer Rolando Ledesma Macasaet na pumirma ang SSS ng isang kasunduan sa Belison at Hamtic Multi-Purpose Cooperatives (MPC) noong Hulyo 9 na magbibigay-daan sa kanila na tumanggap ng mga bayad ng kontribusyon at mapadali ang mga online transaction ng kanilang mga miyembro. 

Sa ilalim ng SSS Accreditation Program for Cooperatives, sinabi ni Macasaet na ang mga awtorisadong kooperatiba ay maaaring mangolekta at magpadala ng mga kontribusyon sa SSS at Employees’ Compensation (EC), at idinagdag na “ang kanilang mga miyembro ay maaari ring magbayad ng kanilang buwanang loan amortization sa pamamagitan ng pagsasaayos na ito”.

“Establishing durable partnerships with cooperatives is crucial in securing the active SSS membership of our members as well as in fulfilling member-borrowers’ responsibility to pay their monthly amortizations regularly,” pahayag ni Macasaet.

Bukod sa pagiging SSS collection partners, sila ay awtorisado rin na mag-facilitate ng mga piling transaksyon sa SSS tulad ng membership at My.SSS registrations, disbursement account enrollment, at online submission ng benefit at loan applications.

“In providing such assistance to its members, the cooperatives may claim a service fee of P6.00 from SSS for every processed and approved transaction,” dagdag pa ni Macasaet.

Ibinahagi rin niya na mahigit 2,000 miyembro ng coop na walang SSS membership, ang irerehistro na SSS member bilang bahagi ng kasunduan.

“It will give their members a more convenient way of conducting SSS transactions through Hamtic and Belison MPC. It will also help them save money because they no longer have to visit SSS Antique, which is approximately 8 to 16 kilometers away from their towns, for their SSS transactions,” pahayag ni Macasaet.

Idinagdag ni Macasaet na bukod sa Hamtic at Belison MPC, mayroong limang partner na kooperatiba sa Antique: DAO MPC, Barbaza MPC, Patnongon MPC, Pandan MPC, at Libertad MPC.

Bukod dito, si Macasaet at iba pang opisyal ng SSS ay nakipagpulong din sa mahigit 100 employer, barangay officials, self-employed member, at local media practitioners sa isang stakeholder’s forum na ginanap sa Eagles Place Hotel at tinalakay ang halaga ng membership ng SSS at update sa mga programa nito at mga serbisyo.

---

Para sa anumang impormasyon, opinyon, isyu o maging imbitasyon, mag-e-mail sa bulgarific@gmail.com o sumulat kay Ms. Bulgarific at ipadala sa Bulgar Bldg., 538 Quezon Avenue, Quezon City.