Pag-IBIG Housing Loan 101

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I will be coming back to http: That means, you have to show Pag-IBIG your source of income, which is not necessarily from employment. In many cases, your employer will be the one to process for your membership and your contributions will also be deducted from your monthly payroll. You can check with your employer or observe every payslip that you receive. Voluntary Self-Paying means you will shoulder all of the payments and contributions — no employer counter-part.

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Foreign nationals in the Philippines applying for a tourist visa — PHP1, This is on a first come, first serve basis. No appointment is needed. Representative may file the applications as long as the documents are complete. Frequent travellers who have previous tourist visits within 5 years to OECD member countries, those who have at least 2 tourist visits to Korea, and seafarers who plan to transit to Korea should apply at Window 3.

Those who have no previous tourists visits within 5 years to OECD member countries, and holders of confirmation of visa issuance number must present their documents at Windows 1 or 2. List of OECD member countries http: Releasing time is only from 1: Applicants, especially the First Time travelers, are advised to personally claim their visas. An interview with the Consul may be required before the result of the application is given.

Marriage Contact, Birth Certificate Family applications should be filed together at the same window, at the same time. Representative may file the visa applications of all family members. Validity of visa is only 3 months from the issue date.

Pag-IBIG Housing Loan 101

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The President of the Philippines (Filipino: Pangulo ng Pilipinas, informally referred to as Presidente ng Pilipinas; or in Spanish: Presidente de Filipinas) is the head of .

That is one of the privileges they can get as members of the Fund Company. This article will address a number of those basic concerns about Housing Loan. Of course, there are other requirements, before the loan is finally granted, but the point is Loans from Pag-IBIG is only open to its members. The maximum housing loan amount that can be granted to any member is only PhP 3, , So that means if the property you are considering is priced more than PhP 3M, you need to come up with some form of up-front payment or equity to settle the price difference virus the loan amount.

Or, you may opt for another financial institution. Please refer to the Mortgage Loan Fundamentals. Lot-Only Property — It could be a raw land or parcel of land in a subdivision development. House Construction or Improvement — The residential unit should be constructed on a lot owned by the member. House and Lot Purchase — New or old house with lot.

Most buyers of real estate in the Philippines have no idea of the interest rate that comes with the loan. As a buyer, you should make it a top priority to know about the interest rate and be able to compare it to competing lenders. Interest rates are also discussed in Mortgage Fundamentals article.

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Spouse Wife or Husband — She or he should not be an active Philhealth member. Children Your children are qualified dependents as long as they are: Your child should be below 21 years old, unmarried and unemployed. Bring birth certificate and certification from a doctor that the child is mentally or physically disabled. If adopted child, bring a copy of court decree of adoption. If stepchild, bring marriage contract between you and the biological parent.

Bring also birth certificate of stepchild.

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Interest earnings for MP2 are tax-free. Low monthly minimum savings amount, which is pesos per month. You can increase your monthly MP2 savings anytime. If there are gaps in your contributions, you are not penalized. You signed the contract, and the forfeiture policy is in that contract.

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Employee Discipline and Termination Voluntary Resignation Resignation is defined as the voluntary act of an employee who finds himself in a situation where he believes that personal reasons cannot be sacrificed in favor of the exigency of the service and he has no other choice but to disassociate himself from his employment. It does not cover cases where the employee is forced to resign with the use of threats, intimidation, coercion or manipulation, or where resignation is imposed as a penalty for an offense.

The common practice of allowing an employee to resign, instead of terminating him for just cause so as not to smear his employment record, also fall under the category of voluntary resignation. See J Marketing Corp. Resignation Notice The Labor Code requires the employee to give an advance notice to the employer of his intention to resign. The notice of resignation must be in writing and must be served to the employer at least one month prior to the effective date of his resignation.

It must state the date when resignation is to take effect because of the day notice requirement under the law. It may also contain the reason or justification of the employee for filing his resignation, although legally, this is not important. The employee may resign for whatever reason, or even for no reason at all. However, lack of explicit words stating the employees intention to resign is deemed not crucial, as long as the employees intention to resign can be deduced from letter itself.

In one case, the Supreme Court held that a memorandum written by the employee containing his deep resentment towards his superior juridically constituted a letter of resignation. Effect of Failure to Tender Resignation Notice If the employee fails to give the employer one month advance notice of his intention to resign, he may be held liable for damages.

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