- BULGAR
Pag-IBIG Fund pinondohan ang home loan para sa low-wage earner ngayong 2022
ni Fely Ng - @Bulgarific | May 19, 2022
Hello, Bulgarians! Kamakailan ay pinondohan ng Pag-IBIG Fund ang 5,411 socialized homes para sa minimum-wage at low-income na mga miyembro sa unang apat na buwan ng 2022.
Ang socialized home loan ay binubuo ng 18% ng 29,310 units na pinondohan ng ahensiya mula Enero hanggang Abril 2022. Ang socialized home loans ay kumakatawan sa 7%, o P2.35 bilyon mula sa pinakamataas na record na P31.97 bilyon na home loan na inilabas ng ahensiya.
"Socialized housing is designed especially for minimum and low-wage workers. With Pag-IBIG Fund’s Affordable Housing Program, we make sure that all our members, particularly those from the low-income sector, are given the opportunity to own a home. This is the essence of the BALAI (Building Adequate, Livable, Affordable and Inclusive) Filipino Communities Program of the government’s housing sector towards providing decent shelter for every Filipino family,” saad ni Secretary Eduardo D. del Rosario, Chairperson of the 11-member Pag-IBIG Fund Board of Trustees and Secretary of the Department of Human Settlements and Urban Development (DHSUD).
Ang Affordable Housing Program (AHP) ng Pag-IBIG Fund ay para sa mga miyembrong mula sa mga sektor ng low-income and minimum-wage na kumikita ng hanggang P15,000 kada buwan sa National Capital Region (NCR), at hanggang P12,000 kada buwan sa labas ng NCR.
Sa ilalim ng AHP, tinatamasa ng mga borrower ang subsidized rate na 3% kada taon para sa home loan na hanggang P580,000 para sa mga socialized subdivision projects, hanggang sa P750,000 socialized condominium projects.
Sinabi ni Pag-IBIG Fund Chief Executive Officer Acmad Rizaldy P. Moti na ang 3% rate ng AHP ay nananatiling pinakamababa sa merkado – rate na ibinigay ng ahensiya para sa mga miyembrong mababa ang kita mula noong Mayo 2017, gaya ng itinakda sa ilalim ng Republic Act No. 9679 o ang Home Development Mutual Fund (Pag-IBIG Fund) Law of 2009.
“Because of our Charter, Pag-IBIG Fund is able to provide the lowest rates for the home loans of minimum and low-wage workers. We first offered our subsidized 3% rate in May 2017 to help more members realize their dreams of owning a home. And, until now, that special rate still stands. Aside from keeping our interest rates low, we also keep the insurance premiums at a minimum, so that our borrowers would only need to pay a low monthly amortization of P2,445.30 for a socialized home loan of up to P580,000. And what’s more, qualified borrowers will never have to put out cash for equity under our Affordable Housing Program. All of these are part of our efforts to provide the best home financing program for our members who earn minimum wage,” pahayag ni Moti.
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