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Pag-IBIG upgraded monthly savings: high-earning, tax-free and 100% government-guaranteed savings program

By July 4, 2018 Pag-IBIG, Savings

Ang upgraded Pag-IBIG monthly savings ay ang pagbibigay ng mas mataas na monthly savings contribution. Ito ay voluntary sa mga walang existing housing loans at compulsory naman para sa mga may existing housing loans.

High dividend

Nagbibigay ng mataas na dividend ang Pag-IBIG savings na karaniwang mas mataas kaysa sa interest na makukuha sa bangko. Last year ang dividend rate sa Pag-IBIG Savings I ay 7.61% at mas mataas pa ang ibinigay na dividend sa Modified Pag-IBIG Savings II (MP2) na nasa 8.3%.

 

Long-term savings

Dapat ituring na long term investment ang Pag-IBIG savings dahil hindi ito basta-basta ma-wiwithdraw. Sa Pag-IBIG Savings I, dapat ay at least 20 years ang contribution o kaya naman ay kapag tumuntong na sa 60 years old. Sa MP2 naman, five years ang term nito.

So make sure na ang ilalagay na pera ay naka-match sa mga financial goals na five years or more mo pa kakailanganin.

Tax-free and government-guaranteed

Ang kikitaing dividend sa Pag-IBIG ay tax free kaya buong-buo mo itong makukuha, unlike sa savings sa bangko na may 20% withholding tax. Ang kabuuang Total Accumulated Value o yung pinagsama-samang contribution mo, employer counterpart at dividend ay 100% guaranteed ng gobyerno, unlike in banks na hanggang PhP500,000 lang ang covered ng Philippine Deposit Insurance Corporation (PDIC).

Employer contribution

Wala namang limit kung magkano ang puwedeng ilagay sa Pag-IBIG savings programs. So I suggest that you increase yours.

If you want more, encourage your employer to increase its contribution counterpart as incentives to employees. Puwede po itong gawin.

With housing loans

Para naman sa mga members na may existing housing loans, ito ang table of upgraded monthy contrbutions na applicable sa inyo once matanggap ninyo ang inyong housing loan.

Loan amount
Monthly Contribution From  To
200 500,000
250 over 500,000 600,000
300 over 600,000 700,000
350 over 700,000 800,000
400 over 800,000 900,000
450 over 900,000 1,000,000
500 over 100,0000 1,100,000
550 over 1,100,000 1,200,000
600 over 1,200,000 1,300,000
650 over 1,300,000 1,400,000
700 over 1,400,000 1,500,000
750 over 1,500,000 1,600,000
800 over 1,600,000 1,700,000
850 over 1,700,000 1,800,000
900 over 1,800,000 1,900,000
950 over 1,900,000 2,000,000
1000 over 2,000,000 2,100,000
1050 over 2,100,000 2,200,000
1100 over 2,200,000 2,300,000
1150 over 2,300,000 2,400,000
1200 over 2,400,000 2,500,000
1250 over 2,500,000 2,600,000
1300 over 2,600,000 2,700,000
1350 over 2,700,000 2,800,000
1400 over 2,800,000 2,900,000
1450 over 2,900,000 3,000,000
1500 over 3,000,000 3,100,000
1550 over 3,100,000 3,200,000
1600 over 3,200,000 3,300,000
1650 over 3,300,000 3,400,000
1700 over 3,400,000 3,500,000
1750 over 3,500,000 3,600,000
1800 over 3,600,000 3,700,000
1850 over 3,700,000 3,800,000
1900 over 3,800,000 3,900,000
1950 over 3,900,000 4,000,000
2000 over 4,000,000 4,100,000
2050 over 4,100,000 4,200,000
2100 over 4,200,000 4,300,000
2150 over 4,300,000 4,400,000
2200 over 4,400,000 4,500,000
2250 over 4,500,000 4,600,000
2300 over 4,600,000 4,700,000
2350 over 4,700,000 4,800,000
2400 over 4,800,000 4,900,000
2450 over 4,900,000 5,000,000
2500 over 5,000,000 5,100,000
2550 over 5,100,000 5,200,000
2600 over 5,200,000 5,300,000
2650 over 5,300,000 5,400,000
2700 over 5,400,000 5,500,000
2750 over 5,500,000 5,600,000
2800 over 5,600,000 5,700,000
2850 over 5,700,000 5,800,000
2900 over 5,800,000 5,900,000
2950 over 5,900,000 6,000,000

 

 

 

 

 

 

 

 

 

 

 

 

Save for the long term

Kaya para sa akin, mas magandang dagdagan pa ang savings sa Pag-IBIG at ituring itong long term investment. Mahirap makahanap ngayon ng produktong nakapagbibigay ng mataas na kita, tax-free at 100% guaranteed pa ng government.

Higit sa lahat, nakakatulong ka pang palaguin ang pondong ginagamit ng gobyerno upang lutasin ang backlog natin sa pabahay.

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