Upload
fau-dungca
View
461
Download
6
Embed Size (px)
Citation preview
2
CREATION OF Pag-IBIG Fund
The birth of Home Development Mutual Fund (HDMF), more popularly known as the Pag-IBIG Fund, was an answer to the need for a national savings program and an affordable shelter financing for the Filipino worker. The Fund was established on 11 June 1978 by virtue of Presidential Decree No. 1530 primarily to address these two basic yet equally important needs. Under the said law, the Social Security System (SSS) shall administer the funds of private employees, while the Government Service Insurance System (GSIS) shall administer the funds of government employees. Less than a year after on 1 March 1979, Executive Order No. 527 was signed. The order directed transferring the administration of the Fund to the National Home Mortgage Finance Corporation (NHMFC), which was one of the operating agencies of the then Ministry of Human Settlements. Seeing the need to further strengthen the stability and viability of the two funds, Executive Order No. 538 was issued on 4 June 1979, merging the funds for private and government personnel into what is now known as the Pag-IBIG Fund. However, it was only on 14 December 1980 when Pag-IBIG was made independent from the NHMFC with the signing of PD 1752, which is recognized as the HDMF Charter. With the improved law in effect, the Fund’s rule-making power was vested in its own Board of Trustees. Likewise, PD 1752 made Pag-IBIG membership mandatory for all SSS and GSIS member-employees. Months after former President Corazon C. Aquino assumed leadership of the country, Pag-IBIG contributions were suspended from May to July 1986. On 1 August 1986, former President Aquino directed the resumption of Pag-IBIG membership under Executive Order No. 35. Membership was still on a mandatory basis but under more liberal terms. The employee and employer contribution rates were reduced, and the Maximum Fund Salary was raised from P3,000 to P5,000. 1 January 1987 marked the return of the Pag-IBIG Fund to a voluntary program under Executive Order No. 90. It was during the years as a voluntary fund that Pag-IBIG introduced innovative benefit programs that heeded the calls for expansion of membership, and addressed the immediate financial as well as housing needs of its members. After eight years as a voluntary fund, Pag-IBIG membership reverted to mandatory on 17 June 1994 when President Fidel V. Ramos signed Republic Act 7742. The new law became effective on 1 January 1995. More than a decade after RA 7742 was implemented, the Pag-IBIG Fund continues to be a strong partner in realizing Filipino workers’ dreams. Recognizing HDMF’s contributions and the need to further strengthen its capability as the biggest source of housing finance in the country to date, President Gloria Macapagal-Arroyo signed into law Republic Act No. 9679 or the Home Development Mutual Fund Law of 2009 on 21 July 2009, and making Pag-IBIG membership mandatory for all, including Filipinos employed by foreign-based employers. Now more than ever, Filipino workers will enjoy the benefits that are available only to Pag-IBIG members. Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno. To this day, the Pag-IBIG Fund continues to harness these four sectors of the society to work together towards providing Fund members with adequate housing through an effective savings scheme.
3
VISION
To be the premier and globally competitive provident financial institution.
MISSION
To uplift the quality of life of the members through savings.
GOALS
1. To motivate the employed and other earning groups to save, with contributory support of the employers, through an integrated nationwide provident savings system.
2. To provide affordable housing finance to the Fund’s members to enable them
to meet their housing needs.
4
MEMBERSHIP Who are eligible to apply for membership?
Membership with the Fund may either be:
1. Mandatory
All employees who are or ought to be covered by the Social Security System (SSS), provided that actual membership in the SSS shall not be a condition precedent to the mandatory coverage in the Fund. It shall include, but are not limited to:
A private employee, whether permanent, temporary, or provisional who is not over sixty (60) years old;
A household helper earning at least P1,000.00 a month. A household helper is any person who renders domestic services exclusively to a household such as a driver, gardener, cook, governess, and other similar occupations;
A Filipino seafarer upon the signing of the standard contract of employment between the seafarer and the manning agency, which together with the foreign ship owner, acts as the employer;
A self-employed person regardless of trade, business or occupation, with an income of at least P1,000.00 a month and not over sixty (60) years old;
An expatriate who is not more than sixty (60) years old and is compulsorily covered by the Social Security System (SSS), regardless of citizenship, nature and duration of employment, and the manner by which the compensation is paid. In the absence of an explicit exemption from SSS coverage, the said expatriate, upon assumption of office, shall be covered by the Fund.
An expatriate shall refer to a citizen of another country who is living and working in the Philippines.
All employees who are subject to mandatory coverage by the Government Service Insurance System (GSIS), regardless of their status of appointment, including members of the judiciary and constitutional commissions;
Uniformed members of the Armed Forces of the Philippines, the Bureau of Fire Protection, the Bureau of Jail Management and Penology, and the Philippine National Police;
5
Filipinos employed by foreign-based employers, whether they are deployed here or abroad or a combination thereof.
2. Voluntary
An individual at least 18 years old but not more than 65 years old may register with the Fund under voluntary membership. However, said individual shall be required to comply with the set of rules and regulations for Pag-IBIG members including the amount of contribution and schedule of payment. In addition, they shall be subject to the eligibility requirements in the event of availment of loans and other programs/benefits offered by the Fund. The following shall be allowed to apply for voluntary membership: Non-working spouses who devote full time to managing the household and family
affairs, unless they also engage in another vocation or employment which is subject to mandatory coverage, provided the employed spouse is a registered Pag-IBIG member and consents to the Fund membership of the non-working spouse;
Filipino employees of foreign government or international organization, or their
wholly-owned instrumentality based in the Philippines, in the absence of an administrative agreement with the Fund;
Employees of an employer who is granted a waiver or suspension of coverage by the Fund under RA 9679;
Leaders and members of religious groups;
A member separated from employment, local or abroad, or ceased to be self-employed but would like to continue paying his/her personal contribution. Such member may be a pensioner, investor, or any other individual with passive income or allowances;
Public officials or employees who are not covered by the GSIS such as Barangay Officials, including Barangay Chairmen, Barangay Council Members, Chairmen of the Barangay Sangguniang Kabataan, and Barangay Secretaries and Treasurers;
Such other earning individuals/groups as may be determined by the Board by rules and regulations.
6
When does membership with the Fund begin?
Membership with the Fund becomes official only upon remittance of the first monthly membership contribution. Thus, membership begins only upon the said date as evidenced by the Pag-IBIG Fund Receipt.
How much should a member contribute? The contribution rate of all members, except for non-working spouses of Pag-IBIG members, shall be as follows:
Monthly Compensation Contribution Rate
Employee Employer (if any)
P1,500.00 and below Over P1,500.00
1.0% 2.0%
2.0% 2.0%
A Filipino employee working abroad and whose employer is not subject to mandatory coverage shall contribute an amount equivalent to 2% of his/her monthly compensation. Said employee may opt to pay the employer counterpart. The maximum monthly compensation to be used in computing the employee and employer contributions shall not be more than five thousand pesos (P5,000.00). Employer shall remit two percent (2%) of the monthly compensation of the contributing member as counterpart contribution. The employer is not entitled to deduct from the wages or remuneration of or, otherwise, to recover from the employee the employer's contribution. A non-working spouse of a Pag-IBIG member shall contribute as follows:
Notwithstanding the said contribution rates, a member may contribute more than what is prescribed.
Fifty Percent (50%) of Working Spouse’s Monthly Compensation
Contribution Rate
P1,500 and below Over P1,500
1.0% 2.0%
7
How will contributions be remitted to the Fund? Formally employed members shall contribute through salary deduction. Their employers shall have the responsibility to remit said contributions to the Fund on a monthly basis. Other members may pay directly to the Fund or through any of its authorized collecting agents. For those who want to contribute on a monthly basis, contributions shall be remitted on or before the 10
th day of the following calendar month. For quarterly
payments, remittance must be made on or before the 10th day of the first month of the
following quarter. What happens to the membership of POP members? Pag-IBIG Overseas Program (POP) members shall now be mandatorily-covered under Pag-IBIG I. They shall remit in accordance with the rates herein prescribed. They may also opt to continue contributing for their POP membership. However, in such cases, their contributions for Pag-IBIG I shall take precedence over those for POP. For how long does one remain a Pag-IBIG I member? Membership with the Fund shall be for a term of twenty (20) years with a total of 240 monthly membership contributions or upon the occurrence of any of the following grounds for membership termination:
Membership Term Maturity; Death; Retirement; Permanent Total Disability or Insanity; Permanent departure from the country; Termination from the service by reason of health; and Other causes as may be provided for by the Board of Trustees.
8
MEMBERSHIP REGISTRATION (Simple Transaction)
Schedule of Receipt of Application
Monday to Friday, 8:00 a.m. - 5:00 p.m. (No Lunch Break)
Processing Time: 40-45 minutes
Processing Fee: None
Requirement: One (1) valid ID (refer to page 11)
Procedure
1. REGISTER VIA INTERNET
STEP 1
Log on to Pag-IBIG Fund website at
www.pagibigfund.gov.ph.
Accomplish and submit on-line membership registration form.
Print system-generated MDF reflecting Registration Tracking Number (RTN).
Person Responsible
STEP 2 10 Minutes
Proceed to the nearest Pag-IBIG
NCR/Regional Branch or any extension/service office/field service center.
Present system-generated MDF and pay Membership Contribution (MC).
END OF TRANSACTION
9
2. REGISTER AT THE BRANCH
STEP 1
Go to the nearest Pag-IBIG NCR/Regional
Branch or any extension/service office/field service center.
For NCR/Regional Branch, proceed to the Marketing and Enforcement Division servicing counter.
For extension/service office/field service center, proceed to the information counter.
Inquire on how to register.
Person Responsible
Members Services Officer (MSO) III
STEP 2 5 Minutes
Present one (1) valid ID for verification
purposes. Note: If verified as registered and membership record is updated, end of transaction. If not, proceed to step 3.
STEP 3
For branches with On-line Membership Registration System (You will be assisted by an MSO III ) Go to the designated computer.
Accomplish and submit on-line membership
registration form. For branches and extension/service office/field service center where on-line membership registration system is not available. Secure Member’s Data Form (MDF, 2
copies).
Accomplish MDF.
Submit duly accomplished MDF (2 copies).
10
STEP 4 10 Minutes
For branches with On-line Membership Registration System. Get system-generated MDF reflecting
Registration Tracking Number (RTN).
Present MDF and pay Membership Contribution (MC).
For branches and extension/service office/field service center where on-line membership registration system is not available. Get acknowledged copy of the MDF (copy
2).
Present MDF and pay Membership Contribution (MC).
Members Services Officer (MSO) III
END OF TRANSACTION
11
LIST OF VALID IDs ACCEPTABLE TO THE FUND
1. Company ID 2. Passport, issued by the Philippine or Foreign Government 3. Driver’s License 4. Professional Regulation Commission (PRC) ID 5. Social Security System (SSS) Card 6. Government Service Insurance System (GSIS) e-Card 7. Government Office and GOCC ID, e.g. Armed Forces of the Philippines
(AFP) ID 8. Integrated Bar of the Philippines (IBP) ID 9. Senior Citizen Card 10. Overseas Workers Welfare Administration (OWWA) ID 11. Overseas Filipino Worker (OFW) ID 12. Seafarer’s Identification and Record Book (SIRB) 13. Postal ID 14. Voter’s ID
12
HANDLING MEMBER’S SUGGESTION/COMPLAINT To our Valued Members/Customers:
Your opinion is of great importance to us. You may send us your suggestions, complaints, or any concern through any of the following:
Servicing Counters
You may visit our servicing counters stationed at NCR/Regional branches.
For NCR provident-related concerns, please visit the Pag-IBIG Branch maintaining your records. However, for housing-related concerns, you may visit us at _____________________________________________________.
For those in the regions, you may raise both your provident- and housing-related concerns to the branch maintaining your records.
Forms
Please accomplish the Customer Service Feedback Form (CSFF) or the Customer Complaint Form (CSF). These forms are available at various counters of any Pag-IBIG Office. You may drop the accomplished form/s at designated Suggestion/Complaint Boxes upon your visit.
Letters
Letters may be sent to:
The Member Relations Department ____________________________ ____________________________
You may also send your letters directly to the concerned Pag-IBIG Branch, addressed to the Office of the Manager.
E-mails
E-mails may be sent to [email protected]. You shall receive a confirmation message that your email has been forwarded to the concerned branch/department for appropriate reply and/or action.
13
Pag-IBIG Hotline
For your immediate concerns, you may also reach us at 724-4244 (Pag-IBIG), from Monday to Friday between 8:00 am and 5:00 pm. However, you may also call the Marketing and Enforcement Division of the concerned branch at telephone numbers indicated under List of Branches.
Rest assured that we shall carefully evaluate your concerns and shall respond to you immediately. Likewise, we shall give your complaints considerable attention according to the following:
Duration Nature of Concern
3 working days
Simple queries (General Information)
Complaints
10 working days Complex queries (Policy and loan-related queries, queries that require coordination with other Pag-IBIG offices)
Grave complaints
1 hour Pag-IBIG Hotline Queries
Thank you for your continued support to the Fund. We look forward to bringing you and all our members a more responsive service.
14
LIST OF Pag-IBIG BRANCHES
NCR – NORTH
KAMIAS 795 Anchor Center, EDSA, Quezon City 426-9528
CUBAO G/F & 3/F Union Square Condominium 145, 15th Avenue Cubao, Quezon City 421-9447
ORTIGAS 611 Westar Bldg. Shaw Blvd., Pasig City 633-9514
ANTIPOLO Budget Lane Shopping Center, Provincial Road, San Jose Antipolo City 696-6052
NCR – WEST
IMUS Olma Bldg. Emilio Aguinaldo Highway Imus, Cavite 046-4719013 loc. 303 & 305
PASAY 1st & 2nd Floor, Roxas Strip Bldg. Arnaiz St. cor. Roxas Blvd., Pasay City 846-0950
MANILA Park n Ride Bldg. P. Burgos Ave. cor. Dr. Basa Street Ermita, Manila 527-6729
CALOOCAN Puritan Philippines, Inc. (PPI) Bldg. 355 EDSA corner Gen. Tirona St. Caloocan City 367-0717/362-6457
NCR – SOUTH
MAKATI I 317 Justine Bldg. Sen. Gil Puyat Avenue, Makati City 812-4731 loc. 205/813-2570
MAKATI II 317 Justine Bldg. Sen. Gil Puyat Avenue Makati City 812-4731 loc. 405 & 403/817-2637
MAKATI III 317 Justine Bldg. Sen. Gil Puyat Avenue Makati City 812-4731 loc. 80
NORTHERN LUZON
LA UNION Pag-IBIG Fund Bldg. Government Center. Brgy.Sevilla, San Fernando City La Union 072-2425588 to 89 loc. 206 Vigan Extension Office Ground Floor, CAP Bldg. Florentino St., Vigan City 072-6321118 Ilocos Norte Extension Office WC Bldg., Brgy. #10 D. Samonte St., Laoag City 077-7704699/7705216 BAGUIO G/F Insular Life Bldg. Abanao Ext. cor. Legarda Road, Baguio City 074-6191330/2710 local 104
DAGUPAN 1st & 3rd Floors Benning Realty Square Arellano St., Dagupan City, Pangasinan 075-5223865/3266 loc. 306 MALOLOS 2nd Floor, North Centrum Bldg. Tabang, Guiguinto, Bulacan 044-7940549 loc. 207/690-3755 Cabanatuan Extension Office 2nd Floor DBP Building Burgos Avenue, Cabanatuan City 044-6001225/463-1692 Baler Service Desk Baler Municipal Building Poblacion, Baler, Aurora 042-722-0000
SAN FERNANDO Suburbia Commercial Center Maimpis, City of San Fernando, Pampanga 045-8604490 loc. 113 / 045-8612684 Tarlac Extension Office Benin Bldg. Zamora Street San Roque, Tarlac City 045-6286025/628-6026 DINALUPIHAN NEJ Bldg. San Ramon Highway Dinalupihan, Bataan 047-4813593/ 481-3606 loc. 108
TUGUEGARAO Ong Chong Bldg. 88 Del Rosario St. Tuguegarao City, Cagayan 078-8441448/846-1357 Isabela Extension Office 2nd Floor, Bucag Bldg. cor. Faustino L. Dy & Canciller Sts. Cauayan City Isabela 078- 634-5156/ 652-2883 Nueva Vizcaya Extension Office BAJ Bldg., Mabini St. Solano, Nueva Vizcaya 078-3266113
SOUTHERN LUZON
CALAMBA High Rise Business Center National Highway, Brgy. Halang, Calamba City 049-5451278/5451232/ 5451236 local 112 LUCENA G/F & 2/F Lucena Grand Central Terminal Bldg., Ilayang Dupay, Lucena City 042-7102869
BATANGAS Caedo Commercial Center National Highway Bo. Calicanto, Batangas City 043-7235939/723-5848/ 723-2082/723-6151 loc. 506 CALAPAN Unit 11 Filipiniana Commercial Complex Brgy. Sto. Niño Calapan City, Oriental Mindoro 043-2867455/2881597 Puerto Princesa Extension Office Lustre Building, Rizal Avenue, Puerto Princesa City, Palawan 048-4335024/4334522
LEGAZPI Hi-Tone Construction & Development Corp. Bldg. B. Imperial St. Bitano, Legazpi City 052- 8217923/8205743/ 480-8539 loc. 108 Masbate Extension Office Espinosa Apartment Mabini St., Masbate City 056-3333678
NAGA Annelle Building Tabuco, Naga City 054-4723610/4731017 loc. 316/322 Daet Field Service Center Rafer Bldg. Magallanes, Iraya, Daet, Camarines Norte 054-4401640
15
VISAYAS
ILOILO CITY F & E Bldg., Emmanuel Business Center, Benigno Aquino Avenue, Molo Iloilo City 033-3381032 Kalibo Service Center 3rd Floor Garcia Bldg., C. La Cerna St. Kalibo, Aklan 036-2689335 Capiz Extension Office Acevedo Building, Mckinley Street Roxas City 036-6214165
CEBU CITY Pag-IBIG Fund WT Corporate Tower, Mindanao Avenue, Cebu Business Park, Cebu City 032-4155003/416-3933/415-5009 loc.1300 & 1301/ 032-2342792/415-5003 Dumaguete Extension Office Philippine National Red Cross Bldg. Legaspi St., Dumaguete City 035-4228199/2257713
MANDAUE A.S. Fortuna Street Mandaue City, Cebu 032-4226000 loc. 1201 to 1203 Tagbilaran Extension Office Maria Clara St. Tagbilaran City 038-4125977/5018455 BACOLOD St. Francis Center, Araneta St. Singcang Bacolod City 034-4351137 to 40 loc. 106 & 117
TACLOBAN Pag-IBIG Fund Bldg. Lopez Jaena St. cor. Del Pilar Ext. Tacloban City 053- 3214390 Ormoc Service Center Rm 208, 2nd Floor, Superdome San Pedro Street, Ormoc City 053-2555089
NORTHERN MINDANAO
ZAMBOANGA CITY Pag-IBIG Fund Bldg. San Jose Road Baliwasan, Zamboanga City 062-9910092 Dipolog Extension Office 3rd Floor Ello Building, corner Arellano and Echavez Sts. Dipolog City 065-9081178/2124542
PAGADIAN 2nd Floor DBP Building, Rizal Avenue, Balangasan District Pagadian City 062-2141695/215-2716/ 2144959 loc. 7 ILIGAN Ground Floor and 2nd Floor, Gonzales-Gimeno Bldg. IV, Tubod Highway, Iligan City 063-2213378
BUTUAN ARUJ Building, T. Calo Street Extension, Butuan City 085-3423183/225-2341 loc. 19 085-3455409 Surigao Extension Office Ground Floor, Lorna Laurente Bldg., (EDUHOME ENT.) Rizal St.,Surigao City 086-8266212
CAGAYAN DE ORO Pag-IBIG Fund Building, J.R. Borja-Mortola St., Cagayan de Oro City 08822-714616/8561862 Malaybalay Extension Office Tubeo Bldg., Damasco St., Malaybalay City, Bukidnon 088-2214155
SOUTHERN MINDANAO
DAVAO CITY Pryce Tower Condominium Pryce Business Park, Bajada 8000, Davao City 082-2275827/222-8055
TAGUM Ramos Bldg. Arellano St. Tagum City 084-2187261/218-7652
GENERAL SANTOS CITY 2nd and 3rd Floors, RDRDC Building, Santiago Boulevard, General Santos City 083-5527632/5523566 loc. 207/083-5545468 Koronadal Extension Office 2nd Level Fitmart Mall of Marvel National Highway, Koronadal City 083-2288125
KIDAPAWAN 3rd Floor Eva’s Mall Bldg. Quezon Blvd., Kidapawan City 064-5210254 Cotabato Extension Office 6th Floor, Cotabato Yu Ekey Marketing Bldg., Don Rufino Alonzo St., Cotabato City 064-4213120/4213332
Disclaimer
The provisions in this Charter may be revised or modified in accordance with new as well as amended guidelines and procedures any time without prior notice to the members. In such cases, the updated versions of the Citizen’s Charter may be accessed through the Pag-IBIG Fund website at www.pagibigfund.gov.ph.