2.04.2018

Pag-ibig Branches in Laguna

Here are the locations of Pag-ibig branches in Laguna:

BIÑAN
2nd Floor, Umbria Commercial Center, National Highway, Tulay Bato,
San Antonio, Biñan Laguna
(beside Pavilion Mall)
Email: binan.me@pagibigfund.gov.ph
Phones: (02) 422-3000; (049) 511-8284

CABUYAO
Cabuyao Member Services Office
2nd Floor Centro Mall, Brgy. Pulo
Cabuyao City, Laguna

CALAMBA
Andenson Building 3, National Highway
Brgy. Parian, Calamba City
Email Address: calamba@pagibigfund.gov.ph
Trunkline: (02) 422-3000

Calamba Business Hub
High Rise Business Center
National Highway, Brgy. Halang
Calamba City
Email: calamba@pagibigfund.gov.ph
Trunkline: (02) 422-3000
Phone: (049) 565-1278 (Pilot Number)
(049) 545-1232 / 545-1236
545-1239 / 545-1226 / 545-1225

STA. ROSA
Cross Town Mall Plaza Brgy. Pulong-Sta.Cruz
Tagaytay-Sta.Rosa Road, Sta. Rosa City, Laguna
Phone: (02) 422-3000

About Robinsons Sta. Rosa member's desk:
will update

SAN PABLO
1st & 2nd Floor of El Coco Grande Bldg.
Gen. Malvar St., San Pablo City
Phone: (049) 503-1024
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Pag-ibig Branches in Cavite

There are 5 Pag-ibig branches in Cavite:
               3 full-service branches
                       and
               2 service desks (inside Robinsons malls)

DASMARIÑAS
Volets Commercial Building
Emilio Aguinaldo Highway
Dasmarinas City, Cavite
Phone: (02) 422-3000

Dasmariñas Services Desk
Robinsons Place Dasmariñas
Gen. E. Aguinaldo Highway cor. Governor's Drive
Sitio Palapala, Dasmariñas, Cavite
Phone: 422-3000 loc 6098

IMUS
Olma Building
Emilio Aguinaldo Highway
Imus, Cavite
Phone: 471-9370; 422-3000
Email: imus@pagibigfund.gov.ph

Imus Members Services Desk
Robinsons Place Imus
General E. Aguinaldo Highway
Imus, Cavite
Phone: 474-0376

ROSARIO
MGS Building, General Trias Drive
Tejeros, Rosario, Cavite
Trunkline # (02) 422-3000

The nearest Metro Manila Pag-ibig branch to Cavite is:
Robinsons Place Las Piñas
345 Alabang-Zapote Road, Brgy. Talon Uno, Las Piñas City
Trunkline: (02) 422-3000

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Pag-ibig Branches in Bulacan

There are three Pag-ibig branches in Bulacan:

BALIUAG
3006 Augustine Square DRT Highway
Pinagbarilan Baliuag, Bulacan
Phone: (02) 422-3000

MALOLOS
1215 Javier Building, Mac Arthur Highway
Sumapang Matanda, Malolos, Bulacan
Email: bulacan@pagibigfund.gov.ph
Trunklines: (044) 794-0549

MEYCAUAYAN
Supima Square Commercial Complex
Malhacan Road, Malhacan
Meycauayan, Bulacan
Phone: 422-3000

The nearest Metro Manila Pag-ibig branch to Bulacan is:

VALENZUELA
Karuhatan
286 ARCA North Center, McArthur Highway
Brgy. Karuhatan, Valenzuela City
Trunklines:  422-3000

Some Bulacan towns are also near this Pampanga branch:

PAMPANGA
San Fernando
Suburbia Commercial Center
Maimpis, City of San Fernando, Pampanga
Email: pampanga@pagibigfund.gov.ph
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3.26.2017

OFW Pag ibig Salary Loan While Abroad -- Okay Ba Ito?


Yes, an OFW can apply for a Pag ibig Salary Loan 


Pag-ibig calls this loan Multi-Purpose Loan or Short-Term Loan.

Andito yong mga list of requirements and other tips:

 Pag-ibig Salary Loan Requirements and Information

Pero sandali lang, baka puedeng mag-isip-isip muna kung worth ba na mag-file ng Pag-ibig Salary Loan application form while you are abroad?

Oo nga, kelangan mo ng additional money, pero tingnan mo muna ang mga ito:

1.  You need to submit a notarized Special Power of Attorney (SPA).
      Magkano ang notarized SPA sa abroad?
      Magkano ang pagpapadala nito?

2.  Kelangan mo ng proof of income.

3.  Kelangang i-present mo yong actual atm card na pagdedepositohan ng loan proceeds.


4.  Your representative needs to present your actual valid IDs.  Mapapadala mo ba ang mga actual IDs mo at actual atm card mo? Paano kung mawala sa mail?  Kung magpadala ka naman through a courier, expensive naman.

5.   Kung through tseke ire-release ang loan proceeds mo, meron ka bang active savings or checking account para madeposit ang tseke mo?  Hindi puedeng i-encash ng representative mo ang tseke.

6.  Libre lang ba yong representative mo?  Baka hihingi pa ng pang-Jollibee at pamasahe kasi alam niya nasa abroad ka. Mga 2 to 3 times siya siguro pupunta sa Pag-ibig.

7.  Worth naman ba yong amount ng loan proceeds sa mga gastos mo to apply for the Pag-ibig salary loan?  Usually kasi 200 pesos a month lang ang contributions sa Pag-ibig.  Ito-total lahat yan ng Pag-ibig plus yong mga dividends earned, at diyan ibe-base ng Pag-ibig kung magkano ang maipapahiram sa iyo.  Up to 80% lang ng total savings mo.

       If you save 200 pesos a month for 3 years,  7,200 lang ang total. Add mo yong around 600 na dividends, so you have 7,800 pesos.

       Ang 80% ng 7,800 pesos ay 6,240 pesos.

       Magkano yong nagastos mo to file your application?

       Baka merong ibang paraan.    
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2.22.2017

How to Compute Pag-ibig Contributions for Employees and Employers


This is how to compute Pag-ibig contributions to be paid by employees and employers.


Monthly Salary Employee Employer
of Employee Contribution     Share
 
1,500 pesos and below1% x Salary 2% x Salary
1,501 to 5,000 pesos 2% x Salary 2% x Salary
5,000 pesos100 pesos 100 pesos
More than 5,000 pesos     100 pesos 100 pesos

Bakit 100 pesos pa rin ang contribution ng Employee earning more than 5,000 pesos?
It's because the Pag-ibig law has set 5,000 pesos as the maximum monthly salary to be considered in the computation.

Dahil bihira naman na ngayon ang sumasahod ng less than 5,000 pesos a month, 
karamihan ng monthly Pag-ibig contribution ay 100 pesos.

The same with the employer share, kalimitan ay 100 pesos.

What kinds of compensation are included in the Monthly Salary for computation?
Lahat.
All types of compensation received as payment for service or work done for the month, in whatever form that can be expressed in terms of money, whether paid by time, by piece, by task, or on commission basis, or any other method, whether under written or unwritten contract. 

These include:
Basic salary
Mandated COLA
Salaries
Wages
Fees 

This means all compensation given to the employee as payment for service or work done: Overtime pay, holiday pay, night differential pay, incentive pay, rice allowance, transportation allowance, birthday pay, etc.

Here are the relevant parts of the PAG-IBIG Fund Law:


RULE VI
CONTRIBUTIONS

Section 1. Rate of Contributions. Covered employees and employers shall contribute to the Fund based on the monthly compensation of covered employees as follows:

a. Employees earning not more than One thousand five hundred pesos (P1,500.00) per month – one percent (1 %).

b. Employees earning more than One thousand five hundred pesos (P1,500.00) per month -two percent (2%).

c. All employers – two percent (2%) of the monthly compensation of all covered employees.

The maximum monthly compensation to be used in computing employee and employer contributions shall not be more than Five thousand pesos (P5,000.00); Provided, that this maximum and the contribution rates may be fixed from time to time by the Board through rules and regulations adopted by it, taking into consideration actuarial calculations and rates of benefits. Provided further, that the foregoing rates shall likewise be the same for the self-employed and voluntary members.

A member may, however, be allowed to contribute more than what is required herein should he or she so desires. The employer, however, shall only be mandated to contribute what is required under these Rules unless the employer agrees to match the member’s increased contribution.


RULE III
DEFINITION OF TERMS

Section 1. Definition of Terms. For purposes of these Rules and Regulations, the following terms shall, unless the context indicates otherwise, have the following meanings:

c. Compensation. Basic monthly salary plus mandated cost of living allowance (COLA). Basic monthly salary shall refer to compensation for services in whatever form paid, including but not limited to fees, salaries, wages, and similar items received in a month. It shall mean the remuneration or earnings, however designated, capable of being expressed in terms of money, whether fixed or ascertained on a time, task, piece or commission basis, or other method of calculating the same, which is payable by an employer to an employee or by one person to another under a written or unwritten contract of employment for work done or to be done, or for services rendered or to be rendered.

Above rules were taken from the
Implementing Rules and Regulations of Republic Act No. 9679, 
the Home Development Mutual Fund Law of 2009, otherwise known as Pag-IBIG (Pagtutulungan sa kinabukasan: Ikaw, Bangko, Industriya at Gobyerno) Fund
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