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

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 ContributionFrom To
200500,000
250over 500,000600,000
300over 600,000700,000
350over 700,000800,000
400over 800,000900,000
450over 900,0001,000,000
500over 100,00001,100,000
550over 1,100,0001,200,000
600over 1,200,0001,300,000
650over 1,300,0001,400,000
700over 1,400,0001,500,000
750over 1,500,0001,600,000
800over 1,600,0001,700,000
850over 1,700,0001,800,000
900over 1,800,0001,900,000
950over 1,900,0002,000,000
1000over 2,000,0002,100,000
1050over 2,100,0002,200,000
1100over 2,200,0002,300,000
1150over 2,300,0002,400,000
1200over 2,400,0002,500,000
1250over 2,500,0002,600,000
1300over 2,600,0002,700,000
1350over 2,700,0002,800,000
1400over 2,800,0002,900,000
1450over 2,900,0003,000,000
1500over 3,000,0003,100,000
1550over 3,100,0003,200,000
1600over 3,200,0003,300,000
1650over 3,300,0003,400,000
1700over 3,400,0003,500,000
1750over 3,500,0003,600,000
1800over 3,600,0003,700,000
1850over 3,700,0003,800,000
1900over 3,800,0003,900,000
1950over 3,900,0004,000,000
2000over 4,000,0004,100,000
2050over 4,100,0004,200,000
2100over 4,200,0004,300,000
2150over 4,300,0004,400,000
2200over 4,400,0004,500,000
2250over 4,500,0004,600,000
2300over 4,600,0004,700,000
2350over 4,700,0004,800,000
2400over 4,800,0004,900,000
2450over 4,900,0005,000,000
2500over 5,000,0005,100,000
2550over 5,100,0005,200,000
2600over 5,200,0005,300,000
2650over 5,300,0005,400,000
2700over 5,400,0005,500,000
2750over 5,500,0005,600,000
2800over 5,600,0005,700,000
2850over 5,700,0005,800,000
2900over 5,800,0005,900,000
2950over 5,900,0006,000,000

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.

vincerapisura.com


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