Search
  • BULGAR

Pag-IBIG Fund, inaprubahan ang socialized home loans ng 5,074 low-wage earners sa Q1 ng 2021, mataas

ng 25% kumpara noong 2020


ni Fely Ng - @Bulgarific | May 02, 2021


Hello, Bulgarians! Alam n’yo ba? Umabot sa 5,074 socialized home loans ang inaprubahan ng Pag-IBIG Fund para sa mga miyembro nitong kabilang sa minimum-wage at low-income sectors. Nasa P2.2 bilyon ang kabuuang halaga ng inilabas na pondo ng ahensiya sa unang tatlong buwan ng 2021, pahayag ng mga opisyal nito.


Mula sa kabuuang dami ng napautang ng Pag-IBIG Fund mula Enero hanggang Marso ng kasalukuyang taon na umabot sa 20,712, 25% ang nailaan para sa socialized home loans. Katumbas din ito ng 11% mula sa P20.94 bilyong kabuuang halaga ng housing loan na naipahiram na ng ahensiya sa nasabing panahon.


Sa kabila ng kasalukuyang pandemya, lumaki ng 25% mula sa 4,045 loans noong nakalipas na taon ang bilang ng napahiram sa ilalim ng socialized housing, habang 34% ang itinaas na halaga ng kabuuang pautang kumpara sa parehong quarter ng nakaraang taon.


“In the wake of the pandemic, Pag-IBIG Fund’s Affordable Housing Program has become the means for minimum-wage and other low-income workers to achieve their dream of homeownership. The program's lowest rates and longest term allow them make buying a home within their reach. Offering affordable home financing to our members is our way of adhering to President Rodrigo Roa Duterte's directive to government institutions to provide programs that serve the needs of the underserved sector, especially during these challenging times,” pahayag ni Secretary Eduardo D. del Rosario na namumuno sa Department of Human Settlements and Urban Development at sa 11-member Pag-IBIG Fund Board of Trustees.


Sa pamamagitan ng Pag-IBIG Fund’s Affordable Housing Program (AHP), ang isang miyembro ay maaaring humiram ng hanggang P580,000 upang makabili ng socialized house at lot packages o hanggang P750,000 para sa socialized condominium unit sa ilalim ng special rate na 3% per annum. Ang AHP ay para sa mga miyembro na kumikita ng hindi lalagpas sa P15,000 kada buwan sa National Capital Region at hindi lalagpas sa P12,000 kada buwan naman para sa mga miyembro na nagtatrabaho sa labas ng NCR. Ang loan program na ito ay may 100% loan-to- value ratio, paraan upang ang humihiram ay makabili ng bahay ng hindi kailangang gumastos para sa equity.


Ayon kay Pag-IBIG Fund Chief Executive Officer Acmad Rizaldy P. Moti, ang mababang interest rate na 3% ay napapakinabangan na ng mga miyembro sa ilalim ng AHP mula pa noong Mayo 2017 dahil sa tax-exempt status ng Pag-IBIG Fund sa ilalim ng Republic Act. No. 9679.


“Because of our Charter, Pag-IBIG Fund can afford to offer the lowest rates for home loans of minimum and low-wage workers. And, with President Duterte recently signing into law the CREATE bill, the tax-exempt status of Pag-IBIG Fund has been maintained. What this means to our members from the minimum-wage and low-income sectors is that they can continue to enjoy these lowest rates. To put things into perspective, with our Affordable Housing Program, qualified borrowers will only pay around P2, 445 per month for a home loan worth P580,000 - which is almost equivalent to the price of rent. This low amortization allows more of our members to gain homeownership, as we recognize that the home is the safest place to be during these difficult times. We look forward to helping more low-income members become homeowners in the months to come,” dagdag ni Moti.


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.

0 comments

Disclaimer : The views and opinions expressed on this website or any comments found on any articles herein, are those of the authors or columnists alike, and do not necessarily reflect nor represent the views and opinions of the owner, the company, the management and the website.

RECOMMENDED
BULGAR LOGO

Bulgar Online.

Call us : (02) 995-3732

© 2021 bulgaronline

Sison's Publishing House, Inc.