May pag-asang magkabahay ang minimum wage earner

ni Fely Ng - @Bulgarific | November 2, 2022

Hello, Bulgarians! Kamakailan ay inihayag ng mga top executive ng Pag-IBIG Fund na pinondohan ng ahensya ang 13,131 socialized homes para sa mga minimum-wage at low-income member mula Enero hanggang Setyembre ngayong taon. Ang socialized homes ay bumubuo ng 18% ng 74,708 units na ginastusan sa loob ng siyam na buwan na umabot sa P5.72 bilyon o 7% mula sa record-high na P83.31 bilyon na home loan na inilabas ng ahensya.

“We are happy to report that we continue to provide our members from the minimum-wage and low-income sectors affordable means to have their own homes. We remain steadfast in our commitment to the Pambansang Pabahay Para sa Pilipino Program led by President Ferdinand R. Marcos, Jr. in addressing the country’s housing backlog by ensuring that owning a home remains inclusive and accessible to all, particularly the underserved,” pahayag ni Secretary Jose Rizalino L. Acuzar, Chairman of the Department of Human Settlements and Urban Development (DHSUD) at 11-member Pag-IBIG Fund Board of Trustees.

Ang Affordable Housing Program (AHP) ng Pag-IBIG Fund ay espesyal na home financing program na tumutugon sa mga pangangailangan ng minimum-wage at low-income na mga miyembro na kumikita ng hindi hihigit sa P15,000 kada buwan sa loob ng National Capital Region (NCR) at sa mga kumikita ng hindi hihigit sa P12,000 kada buwan sa labas ng NCR. Sa ilalim ng AHP, ang Pag-IBIG Fund ay nag-aalok ng subsidized rate na 3% kada taon para sa socialized home loan na nagkakahalaga ng hanggang P580,000 - ang pinakamababang rate na available sa merkado ngayon.

Samantala, sinabi ni Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta na ang special subsidized rate ay ginawang available ng ahensya sa mga miyembro nito sa minimum-wage sector simula noong Mayo 2017.

“For more than half a decade now, the Pag-IBIG Affordable Housing Program has made it possible for low-income and minimum-wage earners to own a home. With the lowest rate offered in the market, our members can enjoy a low monthly payment of as low as P2,445.30 for a socialized home loan of P580,000 with a loan term of 30 years,” sabi ni Acosta. “And what’s more, borrowers under our AHP do not have to put out cash for equity because of its 100% loan-to-value ratio. These are all part of our Lingkod Pag-IBIG commitment to provide accessible and affordable home loans for our low-income members,” dagdag pa ni Acosta.

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