PAG-IBIG: Provident Benefits Claim for migrants leaving PH

aldousnow

<blockquote rel="LokiJr">@aldousnow may tax naman lahat e hehe...kaya yung mga government benefit mas praktikal kunin pag retiring na kasi tax free na siya 🙂</blockquote>

parang hindi. kasi kung magkano yung nasa payslip ko na binabawas sa PAGIBIG, yung total nun ganun din nakuha ko na buo. plus maliit na dividend.

LokiJr

Well we can verify it pero ang punto ko lang talaga, as a finance person, kung hindi niyo naman kailangan yung pera, bayaan niyo na lang lumago yun. Think long term 🙂

aldousnow

Yup I agree naman ko sayo dun @LokiJr, pero yun nga correct ko lang na makuha nyo ng buo yung PAGIBIG lahat ng hulog nyo without tax. Because I did. 🙂

johnandjosh

<blockquote rel="Alona">@johnandjosh ...hindi po, new membership bale kung magpapamember ka sa PIOG (Pag-IBIG International Operation Group). Yong local membership mo kung hindi mo kukunin e magiging Inactive lang ang status pero it will continue to earn dividends parin.</blockquote>

Thanks, @Alona. For me, I want to maintain my PAG_IBIG account at gusto ko nga rin sana maging member ng PIOG. Ang problema wala dito sa NW Qld na remittance centre. Is there a way na makakapag remit ako other than magpabayad ako sa Kamag-anak Incorporated?

johnandjosh

Ooops, the reason why I want to maintain my PAG-IBIG account e kasi in the future, I am planning to buy property, so sa tingin ko e magagamit ko ito (although) hindi ako sigurado kung i-aalow nila ako to use this to buy a property kung dito na ako permanently nakatira sa Aus. he he

issa

@LokiJr , at some point i would agree about the long term. Ang hindi ko gusto ay yung option to continue it, kelangan pang magpamember ulit thru Pag-IBIG International Operation Group tapos inactive yung isa. Di naman pwede ata na i convert na lang agad to PIOG. Ang pinakakaiiwasan ko yung maging inactive yung account, tapos mag eexpect ako na may babalikan tapos nagamit ng kung sino. Yung SSS since pwede ko i check online at may option na mag self employed kaya continue ko sya at no choice rin naman kasi di naman makukuha .Sorry at pasintabi po sa mga kasama nating govt employees, pagdating sa gobyerno, mahirap na magtiwala.

johnandjosh

<blockquote rel="issa">@LokiJr , at some point i would agree about the long term. Ang hindi ko gusto ay yung option to continue it, kelangan pang magpamember ulit thru Pag-IBIG International Operation Group tapos inactive yung isa. Di naman pwede ata na i convert na lang agad to PIOG. Ang pinakakaiiwasan ko yung maging inactive yung account, tapos mag eexpect ako na may babalikan tapos nagamit ng kung sino. Yung SSS since pwede ko i check online at may option na mag self employed kaya continue ko sya at no choice rin naman kasi di naman makukuha .Sorry at pasintabi po sa mga kasama nating govt employees, pagdating sa gobyerno, mahirap na magtiwala.</blockquote>

Iisa ang iniisip natin @issa. Gusto ko magpamember dun sa PIOG at kung pwede sana yung local membership ko e i-forward or i transfer ko dun sa PIOG ko, kaso di yata pwede yun sabi ni @Alona. Meron din ako SSS at nabayaran ko pa ito before kami mag migrate nung 2010, gusto ko rin sana ipa activate.

LittleBoyBlue

malaki ba difference ng interest rate ng Housing Loan sa SSS vs PAG-IBIG?

LokiJr

@issa hehe inefficient pa rin yung Pag-ibig...pero di tatagal aayusin din nila yun hehe

@LittleBoyBlue mas lenient ang payment scheme sa pag-ibig...30 yr ammortization tapos may mga pabahay na exclusive sa pag-ibig pa 🙂

Alona

@johnandjosh...pwede daw mag bayad sa Metro bank o iRemit (kung meron) sa area nyo 🙂

Alona

@rbolante...Pag-IBIG membership will not be forfeited even you become a citizen of other country, in fact there are expats here who opted to become a member. Thou they usually register when they want to buy a condo unit.

But you are right, it all depends on your future plans..i have friends in Melbourne who at first maintain their membership with the funds but now they want to withdraw it because they prefer to invest property in australia na. 🙂

icebreaker1928

Mam alona... may housing loan ako sa pagibig... pde ko p rin b mawidraw yung contribution ko?

LokiJr

@Alona, yung mga nakakausap ko naman na Australians, gusto nila mag invest ng property sa Pinas kasi andami raw na gray area at loopholes sa tax system natin haha

issa

<blockquote rel="rbolante">I got good news! 😃

Just got back from Pag-Ibig Makati today for the 2nd time and i brought along the printout of the 176 provisions from the DIAC website and they finally agreed to let me file the said claim. 🙂

So for those who are also interested to avail of this benefit you won't be encountering the same issue I had with them. Just bring the printout from DIAC as part of your supporting documents.

Again, thank you for Ma'am @Alona for the help. :-)</blockquote> Gaano po sya katagal bago ma claim?

sydneyblued

I wonder kung PR ng Singapore pwede na din kaya magwithdraw ng PAG-IBIG contribution?

Alona

@issa ....mga 7 days after ma consolidate ang lahat ng contributions(assuming may mga contributions ka from different branches)..

icebreaker1928

Ulitin ko lang po tanong ko mam alona 🙂

<blockquote rel="icebreaker1928">Mam alona... may housing loan ako sa pagibig... pde ko p rin b mawidraw yung contribution ko?</blockquote>

Alona

Hi @icebreaker1928...sorry di ko pala nabasa yong unang question mo...

and to answer it, pag iniwithdraw mo yon contributions mo authomatic yong i apply as housing loan payment....🙂

icebreaker1928

@Alona ngek... ganon ba? sabi ko nga nde ko na lang withdrawhin e 😃

tnx mam alona 🙂

Alona

@icebreaker1928 ...welcome po... 🙂

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