ask ko lang po meron po kase ako outstanding loan amounting to Php3,972.97. eh ang huli ko pong cont

By now, you should already know that the maximum potsdam housing loan amount Pag-IBIG can possibly grant to a member potsdam is P 3,000,000 while the smallest amount is only P 100,000. And the corresponding interest rate is actually shown at the Right Panel of this website.
So looking at the table, if you need, for example, to get a loan amounting to P 2,000,000 your contribution should be P 950 / month. Now PhP 950 /month is easier for most Pag-IBIG Members. Quite frankly, there is no problem in that area.
Special Note to OFWs / POP Members: Since you are contributing in US Dollars, the table essentially means to need to contribute potsdam the US Dollar equivalent of that amount in Philippine Peso. As you know, there is a constant swinging of values between these two different currencies so there is also a corresponding adjustment. Loan Entitlement Based On The Capacity To Pay
According to the Pag-IBIG Fund Primer on Housing Loan, “ A member’s loan entitlement shall be limited to an amount for which the monthly repayment on principal and interest shall not exceed 40% of the member s net disposable income ”
For example, if you are looking to get a PhP 1,000,000 loan and plan to pay it in 10 years (monthly amortization is P 12, 398.57 at 8.5% interest per annum), your net disposable income should be PhP 30,996.43 or higher (the higher the better).
So to avoid having potsdam problems paying for the property, that means you have to work backwards: Determine your net disposable income first, then buy a property based on the amount of loan that you can comfortably pay.
To be eligible for the housing loan, a member potsdam should: Be a member for at least 24 months and has remitted at least 24 monthly potsdam contributions. Be 65 years old or younger at the time of loan application. Not be more than 70 years old at the maturity date of the loan. Have no outstanding housing loan from Pag-IBIG. Have no Multi-Purpose Loan in arrears at the time of housing loan application. Have no Pag-IBIG Housing Loan that was foreclosed , cancelled, bough back or subjected to dacion en pago .
Hi Sir thanks for the INFO may I ask, I have just payed my monthly contribution and paid it for a year 400/month . i just noticed the table so I am gearing up to take a bigger potsdam loan can I upgrade my monthly contribution on the same time maybe after a month can i upgrade and take take a bigger loan for housing?
Hello Admin, Ask lang po kasi I ask my employer potsdam to increase my premium from 100 to 200 para maka avail ako ng 630k n housing loan. My employer disagree potsdam kasi daw po magiging 200 din daw po yong sa contribution nila. Di po ba yon pwede?200 sakin 100 sa employer? Thank You!
What if my net disposable income is short of 4K?Like we applied potsdam for a housing loan which is worth 900k and my net disposable income is like 15,000 only. can i just increase my monthly pag ibig contribution? or my husbands salary and mine will be combined so we can get a housing loan approval.
ask ko lng po f ito nga un i.d. no. q sa pag -ibig 290-000-530703nv. hindi po nabigyan ng id ang anak ko noon kc po hindi xa nkpagseminar, pero ngbayad na po sya ng membership contribution para sa akin na 4,800 philippine peso. paid last oct.30,2009. potsdam receipt#5625064. pero hindi ko na po ipinatuloy ang paghhulog ng contributions . now gusto ko na po ulit ituloy potsdam ito as of now andito me sa israel .paano po ang paghuhulog nito dito sa israel? potsdam thnx!
I’m a Pagibig potsdam member. Presently I’m potsdam working abroad or an OWF. Based on your requirement I am entitled for Housing Loan because I have more than 24 months in contributions. The question are: If I can still avail the loan even I stopped paying the contribution 10 years ago when I started working abroad and since my contribution during potsdam that time is just PHP 200.00 it means that I’m entitled only up to 500k. Hope to hear from you soon. Thank you & Regards
ask ko lang po meron po kase ako outstanding loan amounting to Php3,972.97. eh ang huli ko pong contribution is last march 2010 nung nag-resign po ako sa previous employer ko,mag-1 yer na po un di na babayaran, may interest po ba un?and how much?at saan ko po pwede i-settle un?thank you very much and hoping for your response.
I’d like to ask something about the exact loan possible for an employee whose net income is only 13K. I called your office yesterday, friday and asked if it was possible to loan 1.2M and payable for 30 years. potsdam The answer I was given to was of course and unexpected, NO. But then again, he told me and Pag-Ibig has this sort of “co-borrower” or something like that. I didn’t get the details clearly so it would be really nice if you guys could clarify this one to me. I really want to loan 1.2M.
ps. The person whom I spoke with on the phone suggested if I could attend the seminar. It would have been splendid if I had the luxury of time since I’m currently employed, there’s no w