HDMF or PAG provides funds for housing and urban programs in the Philippines. The customers have affable packages with long and short-term repayments, multi-purpose, and affordable delay plans. The Filipino government is leading this company for the community’s convenience.
Penalty per day = 1/20 of 1% x Amount Due
PAG customers have outstanding offers, including 5-30 years refunding terms and the lowest to most considerable interest charges. Likewise, PAG IBIG brings penalties upon your delayed payments. Sometimes, borrowers delay their repayments for a long while, and PAG has managed the penalties. These penalties are not for high prices. Thus, employers have to pay the low rates of their delayed penalty; 1/20 of the 1% rate per day of the total delayed days. This fine is for those users who have not paid the repayment within the due date. Once they face this penalty, they constantly pay their amortizations on the due date and time.
Penalty = Unpaid Amount × Penalty Rate × Number of Months Delayed
Where:
For example, if the unpaid amount is ₱10,000, the penalty rate is 1% per month, and the payment is delayed by 2 months, the penalty would be calculated as follows:
Penalty=₱10,000×1%×2Penalty=₱10,000×1%×2
Penalty=₱10,000×0.01×2Penalty=₱10,000×0.01×2
Penalty=₱200Penalty=₱200
So, the total penalty for the delayed payment would be ₱200.
CHECK: PAG IBIG Housing Loan Payment Verification
Rather, it’s essential to keep track of instructions for your payments. You don’t have to delay or miss any single amortization. It’s necessary that you make a penalty-free and delaying-secure profile. Once you have created a healthy association with our IBIG team. If you reapply for the loan, our terms and conditions will check your past experience, whether it’s delayed payment free or not. You can enjoy our loan offer unlimitedly.
Contents
The Specific deadlines for Payment in PAG IBIG
PAG have categorized the employers’ loan payments. Likewise, there are various categories of repayments for employers. Some employers prefer the repayment method in which some of their salaries are deducted monthly. Other employers also contribute to refunding to the PAG other than salary share.
Although, HDMF has brought a Payment form for routine users with PAG membership. These members must follow the due schedule for amortization. This payment schedule is based on the member/business name’s first letter. Customers can pick their relevant due dates carefully.
| Name; Business / Member | PAG IBIG Due Date |
| A to D | 10th – 14th day of every month |
| E to L | 15th – 19th day of every month |
| M to Q | 20th – 24th day of every month |
| R to Z, Numeral | 25th – at the end of every month |
PAG IBIG agency has a legal and upgraded system to control loan payments. Sometimes, employers fail to amortize within the due date. In such circumstances, the agency itself prepared the penalty for delayed payments. Hence, PAG customers have to pay the cost of punishment for their interest package. This penalty amount is computed correctly from the PAG schedule of the due date to the current time when the customer is ready to pay the penalty.
As you know, the PAG company is more profitable for Housing loan requirements and provides an appropriate penalty cost of 1/10 of 1% per day. Whether there are various checks and balances for computing the payouts for the user’s superlative experience with us.
If customers have delayed their due date and not submitted their Payments, they must check this penalty computation for appropriate payments;
Penalty Plan:
Penalty per day= 1/10 of 1% x Amount Due
Suppose:
The customer’s monthly Amortization is = PHP 6,000
Payment of 1 delayed day
Payment of 30 delayed days
Calculation with the sample:
Per day Penalty = 1/10 of 1% x 6,000
= 0.1 of 60
=Per day PHP 6
Delayed penalty Computation for one month (30 days):
= 6 x 30
= 30 days PHP 180
Delayed Payment further Options
Though, the delayed payment forfeit is 1 / 10 of 1% for a single day over the due date. It would be best to examine the schedule and your salary plan. Then, go for picking your suited way for your repayments. Own-business community, self-employed and other members have the unbeatable option of delivering their loan payment monthly or quarterly. Likewise, they have to contribute within ten days of every month throughout the period.
Occasionally, customers have to pick up their acquired package with a repayment method. On the due date, they submit their funds at the exact time. But that Payment is not being received due to documentation errors. Most of the participants draw their flawed signatures or other documents. Thus, this inadequate data is not registered in the PAG IBIG database. It resulted in the failure of payments. You need to focus on your data and then accordingly upgrade your payments. This way, you may stay safe from penalties and delayed payments.
Eventually, the delayed Payment or per month penalty payments will worst your account health. Your payment schedule will be thoroughly distracted.
PAG IBIB Housing Loan has uncovered the whole guidance for your contribution, account details, and even delayed Payments guidelines. It’s your own demand how you can lead your account.
Magkano po ang penalty ng Jan 17 due po. 15 days na po late ang bayad ?
Ang multa para sa mga late payment ay depende sa terms and conditions na itinakda ng iyong lending institution, Pag-IBIG man ito o bangko. Sa pangkalahatan, ang mga multa para sa mga huling pagbabayad ay kinakalkula bilang isang porsyento ng natitirang balanse o ang hindi nabayarang halaga para sa bawat araw na ang pagbabayad ay naantala.
Upang malaman ang eksaktong halaga ng parusa para sa iyong partikular na pautang, pinakamahusay na direktang makipag-ugnayan sa iyong institusyong nagpapautang. Maaari silang magbigay sa iyo ng mga detalye tungkol sa mga parusa sa huli na pagbabayad at tulungan kang maunawaan kung paano maiiwasan ang mga ito sa hinaharap.
Paano po ang may malaking balance ..n almost 3 yrs po hindi nkapag hulog ..maari ko po bang magbayad ng kalahati ng balanse…? Mraming salamat po!
Kung ikaw ay may malaking natitirang balanse sa iyong Pag-IBIG housing loan at hindi nakabayad ng halos tatlong taon, mahalagang makipag-ugnayan sa Pag-IBIG sa lalong madaling panahon upang talakayin ang iyong mga opsyon. Bagama’t maaaring hindi mo mabayaran ang kalahati lang ng balanse, maaaring mag-alok sa iyo ang Pag-IBIG ng isang programa sa muling pagsasaayos o iba pang mga solusyon upang matulungan kang makahabol sa iyong mga pagbabayad at maiwasan ang pagreremata.
Bakit po ngpunta kami don sa main pero ayaw tanggapin ung khit kalahati ng payment ko 6months ung delay ng payment ko
Kailangan mong bayaran ang mga bayarin sa parusa kasama nito. Kalkulahin ang Formula na ito. https://myhousingloancal.ph/delayed-payment/#Calculation_with_the_sample
Anong mangyayari nasa collecting agency ang housing loan ko because of delayed of 6 months. But I was able to pay 3 months. Then the remaining 3 month’s is di ko pa rin mabayaran, but monthly naman ako naguupdate ng bayad not nga Lang in full amount. Will they be able to cancel my CTS? The collecting agency kasi is demanding me in full amount.
Patingin Ako Ng monthly due ko ma’am simu march ma’am
Due date ko na po sa May 9 , kaso sa May 18 pa po ako makakapg bayad ng Housing Loan ko. Ano po magiging consenquences nun? Salamat po sa answer.
Kung napalampas mo ang takdang petsa para sa pagbabayad ng iyong housing loan, sa pangkalahatan ay may ilang mga kahihinatnan na maaari mong harapin:
Parusa sa huli na pagbabayad: Karamihan sa mga institusyong nagpapautang, kabilang ang Pag-IBIG, ay nagpapataw ng parusang huli sa pagbabayad sa mga hindi nabayarang pagbabayad. Ang parusang ito ay karaniwang kinakalkula bilang isang porsyento ng overdue na halaga para sa bawat araw na naantala ang pagbabayad. Ang eksaktong halaga ng parusa ay depende sa mga tuntunin at kundisyon ng iyong kasunduan sa pautang sa pabahay.
Negatibong epekto sa credit score: Ang mga huli o hindi nabayarang pagbabayad ay maaaring magkaroon ng negatibong epekto sa iyong credit score, na maaaring makaapekto sa iyong kakayahang makakuha ng mga pautang o linya ng kredito sa hinaharap.
Potensyal na panganib ng foreclosure: Kung palagi kang nawawalan ng mga pagbabayad o default sa iyong housing loan, ang institusyon ng pagpapahiram ay maaaring magpasimula ng mga paglilitis sa foreclosure sa kalaunan upang mabawi ang hindi nabayarang halaga.
Upang maiwasan ang mga kahihinatnan na ito, mahalagang gawin ang iyong mga pagbabayad sa housing loan sa oras. Kung inaasahan mong mahirapan sa pagbabayad, makipag-ugnayan sa iyong institusyong nagpapautang (Pag-IBIG o isang bangko) sa lalong madaling panahon upang talakayin ang mga potensyal na solusyon, tulad ng isang plano sa pagbabayad o muling pagsasaayos ng pautang.
Paano po ang mangyayari kung delayed na.po ako ng 5 months kasi po for operation po akp pano po ba pwd po ba akong maghulog na lang kahit monthly muna sa total amount ng delayed for 5 months.
Dear Sir/Madame,
We honestly desperately regarding to our properties. 2019 we paid three months each. Then We were really shocked when we received the noticed of one Lawfirm that the lawyer put our four units together with my close friend which very I’ll caused of MORTAL ACCIDENT here and she underwent to surgeries here in Milan Italy 2016, unfortunately she was a victim of malpractice. And the very sadness all fractured and dislocated bones remained injured. She’s totally permanent invalid and suffering severe chronic pain.
We confirmed to the Pagibig HLF and she said that the PAGIBIG HLF didn’t know about the BIDDING of our properties. They only need to pay even arrears . Since 2009 we already a member and 2013 the accident happened but my friend tried to work even she’s really very I’ll just to her monthly as we love our properties and there’s a sentimental value for us. She started the invalidity in 2017 then we had catastrophe killed hundreds thousands people. Many of our friends passed away.
Miss Magpantay Lina did her best to apply to VIRTUAL Program which is RICSTRUCTURING PROGRAM but nobody give ATTENTION to our APPLICATION but for Raffle they continue sending to her.
Ms. Magpantay didn’t paid by the insurance who were liable of her invalid and this time she HANDICAP 100%.
She needs urgently delicate surgeries there at Manila PGH. She’s really traumatic about the bidding process which it’s the lawyer of lawfirm aren’t authorized to it.
We will file a sue against that lawyer and MORAL DAMAGE too. Her first cousin lawyer waiting us to process the suit.
We were victim’s of DISCRIMINATION here. Ms. Magpantay has a big problem of her weak heart and even she had debt to me last 2019 she went to PGH and she was found her neurosurgeon and her Surgeon replaced to C4-C5 Titanium Phyrames plate and she started to WALK again and again although still four delicate surgeries remains. Neuro plastic on her left bilateral and her toracic that needs remove and replace bigger size and yearly she needs to replace because that’s plastic was connected to extremity nerve which the blood circulating regularly to our body and produces oxygen instead Ms. Magpantay didn’t proceed that surgery because of her guardian attempted to steal the benefits from PCSO. MS MagPantay did her best to get better and back to work and PRIOR to us to pay PUNCTUALLY again after we reconstruct and pay the areares.
God knows the difficulties we shoulders , can’t find the tranquility because of our properties already to bid. We pray fervently not lose . Thankful when I spoke the sheriff Lawyer that handled my bid and he said to me “ Madam Don’t Worry your properties remains yours, please be CALM specially to Ms. MagPantay” that moment I said THNK YOU. Amen.
I try to reach to pay my aereerei and I will borrow money to LandBank thru my two ou four units to pay all in all and to the Title. So we will solve the problem from our Pagibig. Then we owe only to LandBank.
Sir my friend has benefits to her Handicap situation. We personally rearrange to the main office after the heart surgery of ms. MagPantay together of replacing new bigger size of neuro plastic so she can come with me with her wheel chair then back to hospital again after the arrangement.
Sir/Madam I wrote very long to explain clearly about the hardest situation we facing. Pray for my best friend to go home ASAP. God bless you all. Thank you so much for time and I’m sure that this time somebody give attention to us and will give attention when we come there.
My gratitude infinite.
Respectfully yours,
Ms. Austria, ELVIRA
PLeas call 87244244
(+632)8-724-4244
Bakit kya 3 months delay lang hindi nabayaran 400+ ang itinaas ng pagibig sa monthly amortization nkt ganun dna dapat penalty at interest lang ang bbayaran
Ito ay patakaran ng kumpanya.
ppanu po mam/sir pag 4months n ko hindi nkkapghulog anu mngyayare??…
Ano ang iyong buwanang Amortization? Pagkatapos ay masasabi ko sa iyo.
Hello po maam . Tanong ko lang 3 mos. Na po hindi kami nakapagbayad ng housing loan kaya naka received na po kami ng demand letter para mabayaran ung 3 mos. Pwede po bang kalahati lang muna ang ibayad? Ma forclosed naba agad kasi 3 days lang daw ung palugit. Thanks po and GODBLESS ♥️
What if po second vendee po Ako tapos Hindi pa sa akin nka pangalan ng titulo pero na sakin po lahat ng mga papeles at Yung power of attorney ng first vendee lahat na sa akin,at mag 3months na po akong Hindi na kapag byad ng amortirazation.
Maam 6 months napo hindi ako nakapagbayad, 2300.00 po ang monthly amort. ko
Kung cno cnong ahente ng pag ibig ang Tawag ng tawag kht 2mos delayed lang aq ndi nakabayad. Nsa case na daw ng lawfirm…ano un? Sabi naman sa Pag ibig office 1 yr bago maforeclose ang housing loan. E ang iba naman 3yrs na ndi nakabayad, ndi pa naman naforeclose? Legal ba ung ahente?
“Account closed pls call nearest Pagibig Branch” ano po ibig sbihin?
Good day po na Daley dn po kami a pag babayad ng housing loan simula January nag pay po aq Nng 3800 n monhty nmin tapos po nag bayad po ulit aq NG March 3800 p din po tapos may 3 nag pay po aq NG 6000 tas August 7500 oct 5000 tas ngaun Nov po 11,300 sb po ng atty n nahawak s acc po nmin need p Don nmin bayaran ang 13k n balance p din nmin ibig po b pala sbhn napakalaki po pla talaga ng multa nmin grabe n po pang haharass nila smin need agad agad maqaibgy kz I foreclosed n daw po kht s main d n po kmi pinapnsin née d daw po nmin sundin qng ano sinbi ng nahawak ng acc nmin sana matulongan nyo p po kmi qng ano po pwd gawin salamat po
panu po pag 1 year n di nakabyad at pilit mo namn sinesettle ng payment kahit staggard payment pero ang option n binibigay sayo is full payment at may deadline. anu pa ang pwedeng gawin
Good day hindi ako nakapaghulog ng bayad october 2023,november until now straight na po pagbayad ko kaso may balance ako isa pero kapag nagbabayad ako sinusubrahan ko po 5116 monthly ko po 5 months from october 5500 binabayad ko minsan 6000,makakaltas ba yan sa 5116 na monthly yung subra na binabayad ko?
Kung nagbabayad ka nang mas mataas kaysa sa iyong kinakailangang buwanang dapat bayaran para sa iyong Pag-IBIG Housing Loan, anumang labis na halagang binayaran ay karaniwang napupunta sa alinman sa pangunahing halaga ng iyong utang o sa hinaharap na buwanang dapat bayaran. Nangangahulugan ito na kung magbabayad ka ng higit sa kinakailangang halaga, ang dagdag ay maaari talagang ibawas sa mga pagbabayad sa hinaharap o bawasan ang iyong balanse sa pangunahing pautang, na maaaring, sa turn, ay potensyal na paikliin ang iyong termino ng pautang o babaan ang mga buwanang dapat bayaran sa hinaharap.
Gayunpaman, kapag napalampas ang mga pagbabayad, tulad ng sa iyong kaso para sa Oktubre at Nobyembre 2023, at anumang kasunod na mga buwan hanggang sa kasalukuyang petsa, ang priyoridad para sa anumang mga pagbabayad na gagawin mo ay unang sasakupin ang mga hindi nabayarang pagbabayad kasama ang anumang naaangkop na mga parusa at interes para sa huli na pagbabayad. Kapag nabayaran na ang mga overdue na pagbabayad, maaaring ilapat ang anumang karagdagang halagang binayaran gaya ng inilarawan sa itaas.
Dahil sa mga detalye ng iyong sitwasyon, kung saan nagbabayad ka ng dagdag na halaga tulad ng 5,500 o 6,000 pesos sa halip na ang regular na 5,116 pesos buwan-buwan, narito ang karaniwang nangyayari:
Pagsaklaw sa Mga Hindi Nasagot na Pagbabayad: Ang unang priyoridad ay upang masakop ang anumang mga hindi nabayarang pagbabayad at nauugnay na mga bayarin sa huli o mga parusa. Ang iyong mga karagdagang pagbabayad ay unang ilalaan sa pag-aayos sa mga overdue na halagang ito.
Mga Labis na Pagbabayad: Kapag naayos na ang lahat ng hindi nabayarang pagbabayad at mga parusa, ang anumang natitirang labis mula sa iyong mga pagbabayad ay maaaring mailapat sa iyong pangunahing balanse o mga pagbabayad sa hinaharap, depende sa mga tuntunin ng iyong kasunduan sa pautang at mga patakaran ng Pag-IBIG.
Upang makakuha ng detalyado at tumpak na pag-unawa sa kung paano nailapat ang iyong mga pagbabayad at upang kumpirmahin ang kasalukuyang katayuan ng iyong utang, kasama ang anumang natitirang balanse o mga parusa, dapat kang direktang makipag-ugnayan sa Pag-IBIG. Magagawa mo ito sa pamamagitan ng kanilang opisyal na website, sa pamamagitan ng pagtawag sa kanilang customer service hotline, o sa pamamagitan ng pagbisita sa isang sangay ng Pag-IBIG. Maaari silang magbigay ng statement of account na nagdedetalye ng lahat ng transaksyon, kasama ang kung paano nailapat ang iyong mga pagbabayad.
Isa rin itong magandang pagkakataon para talakayin ang anumang mga problema sa pananalapi na iyong nararanasan, dahil maaari silang mag-alok ng mga solusyon o mga plano sa pagbabayad na maaaring makatulong na pamahalaan ang iyong mga pagbabayad sa pautang nang mas epektibo sa mga panahong mahirap.
What happens po if nalate yung payment sa restructured na housing loan?