Pag-IBIG members, makakukuha ng mas maraming benepisyo

MAGANDANG balita para sa mga Pag-IBIG Fund members dahil nakatakdang I-enjoy ng mga ito ang “doubled savings at higher cash loan entitlements” habang patuloy na mayroong access sa abot-kayang home loans, sa kabila ng nakatakdang pagtataas sa monthly contribution rate kapuwa sa mga miyembro at employers nito simula sa susunod na buwan.

Sa ilalim ng bagong monthly contribution rate, ang monthly savings ng Pag-IBIG Fund members para sa share ng mga empleyado at sa mga employer ay tataasan ng ₱200 kada isa mula sa ₱100.

Sinundan nito ang adjustment sa maximum monthly compensation na gagamitin sa pagko-compute ng required na 2% employee savings at 2% ng employer share for Pag-IBIG Fund members, na ngayon ay tumaas sa ₱10,000 mula sa kasalukuyang ₱5,000.

“We at Pag-IBIG Fund have long recognized the need of our members to have higher savings that shall provide them with decent and fair returns upon their retirement, as well as higher cash loans to help them during times of need. By implementing the new Pag-IBIG Monthly Savings Rates of both members and employers originally scheduled in 2021, not only would we be able to improve the benefits of our members, we would also be better equipped to finance the growing demand for home loans of our members while maintaining our affordable rates. All these are in line with the call of President Ferdinand Marcos, Jr. to provide Filipino workers with opportunities to gain comfortable and productive lives,” ang paliwanag ni Secretary Jose Rizalino L. Acuzar, pinuno ng Department of Human Settlements and Urban Development (DHSUD) at 11-member Pag-IBIG Fund Board of Trustees.

Noong 2019, inaprubahan ng mga opisyal ng ahensya na itaas ang buwanang kontribusyon ng mga miyembro nito pagsapit ng 2021 dahil sa lumalaking pautang nito.

“Our strong financial position shall allow us to again postpone the increase in our contribution rates for a year. We are happy to report that even without any increase in our rates, we were able to post record-highs in 2022 with our membership savings collections reaching nearly ₱80 billion, loan payment collections amounting to ₱127.42 billion, short-term loan releases at ₱57.69 billion and home loan takeout amounting to ₱117.85 billion,” pagbibigay-diin ni Pag-IBIG Fund chief executive officer Marilene Acosta.

Samantala, ikinatuwa naman ni Acosta ang pagsuporta ng mga stakeholder, at siniguro sa mga miyembro ang “better benefits” sa ilalim ng bagong monthly contribution rate.

“We thank the Trade Union Congress of the Philippines (TUCP), the Federation of Free Workers (FFW), the Philippine Government Employees’ Association (PGEA), Overseas Filipino Workers’ (OFW) Organizations, and the Employers’ Confederation of the Philippines (ECOP) for supporting our plans and for recognizing that raising our monthly savings rates will allow Pag-IBIG Fund to continue to provide affordable home loans to its members in the coming years,” ani Acosta.

“It is also important to note that the increase in our monthly savings rates shall benefit our members the most because every peso they save will go to their Pag-IBIG Savings. Under our new rates, they will have higher Pag-IBIG Savings that earn annual dividends, which they shall receive upon membership maturity or retirement. For example, based on our old rates, a member would receive around ₱87,000 upon reaching membership maturity. On the other hand, a member who saves under our new rates over a period of 20 years would receive ₱174,000 or double the amount. And, because of their higher savings, they shall also be entitled to higher multi-purpose and calamity loan amounts to help them with their financial needs,” litaniya ni Acosta. (Daris Jose)