Pag-IBIG Fund SOCIALIZED HOUSING SUMMIT. ELMER D. TUGADE Corporate Sales Group Business Development Sector
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1 Pag-IBIG Fund SOCIALIZED HOUSING SUMMIT January 2017 ISO Conference Room 3, 2nd Floor Walter Hogan Hall, Institute of Social Order (ISO) Complex, Ateneo de Manila University ELMER D. TUGADE Corporate Sales Group Business Development Sector
2 TWIN MANDATES PROVIDENT SAVINGS HOME FINANCING
3 VISION: For every Filipino worker TO SAVE with Pag- IBIG Fund and TO HAVE DECENT SHELTER. MISSION: To GENERATE MORE SAVINGS from more Filipino workers to administer a SUSTAINABLE FUND with integrity, sound financial principles, and with social responsibility, and to PROVIDE MORE FUNDS FOR HOUSING of every member. VALUES: The governing values that will steer the Pag- IBIG Fund in pursuit of its vision include INTEGRITY, EXCELLENCE, PROFESSIONALISM, and SERVICE.
4 PROVIDENT FUND FEATURES Universal Coverage Double or triple your money benefit Tax-free dividends, compounded annually Portability of membership Government guaranteed return of contributions Private in character
5 Pag-IBIG HOME LENDING PROGRAMS END-USER FINANCING PROGRAMS PAG-IBIG MEMBER HOUSING LOAN PROGRAM (REGULAR PROGRAM) AFFORDABLE HOUSING LOAN PROGRAM INSTITUTIONAL FINANCING PROGRAMS DIRECT DEVELOPMENTAL LOAN PROGRAM GROUP HOUSING PROGRAM HOUSE CONSTRUCTION FINANCING LINE GROUP LAND ACQUISITION PROGRAM
6 HOME LENDING STRATEGIES AND INITIATIVES DEVELOPER TAKE-OUT MECHANISM EMPLOYER ACCREDITATION HOME MATCHING COUNTRYSIDE HOUSING INITIATIVES
7 LOWEST EVER INTEREST RATE FOR REGULAR HOUSING LOAN Borrow up to 6M Multiple housing loans allowed Up to 2 co-borrowers AS LOW AS 5.5% interest rate per annum 1-year re-pricing period 2017 Actual Housing Loan Takeouts Loan Value P65.1 B No. of Units 80,964
8 SAMPLE AMORTIZATION TABLE* * and INTEREST RATES FOR REGULAR HOUSING LOAN Loan Amount 1-Yr Fixing* 3-Yr Fixing 5-Yr Fixing Rates per Re-Pricing Period 10-Yr Fixing 15-Yr Fixing 20-Yr Fixing 25-Yr Fixing 30-Yr Fixing Up to 6M 5.500% 6.500% 7.270% 8.035% 8.585% 8.800% 9.050% % LOAN AMOUNT (PhP) LOAN TERM 5 Yrs. 10 Yrs. 15 Yrs. 20 Yrs. 25 Yrs. 30 Yrs. Amort GMI Amort GMI Amort GMI Amort GMI Amort GMI Amort GMI 1 M 19,566 55,903 11,354 32,442 8,711 24,888 7,455 21,302 6,752 19,291 6,320 18,059 2 M 39, ,440 22,709 75,698 17,422 58,073 14,911 49,704 13,504 45,013 12,641 42,137 3 M 58, ,661 34, ,547 26,133 87,110 22,367 74,557 20,256 67,520 18,962 63,206 4 M 78, ,881 45, ,397 34, ,147 29,822 99,409 27,008 90,027 25,282 84,275 5M 97, ,102 56, ,246 43, ,184 37, ,262 33, ,534 31, ,344 6 M 117, ,322 68, ,095 52, ,221 44, ,114 40, ,041 37, ,413 Based on a 3-year fixing period at 6.5% per annum ( P and I only) * Loan To Value Ratio is 75% * * Monthly amortization may change upon re-pricing of interest rates
9 Pag-IBIG Affordable Housing Loan Program 400K 750K Hanjin Employees Village Nagbayto, Castillejos, Zambales Samantha Model, Springtown Villas Tanza, Cavite Interest Rates and Income Requirements Amounts NCR & OFWs Outside NCR GROSS MONTHLY INCOME (Maximum) LOAN AMOUNT (Maximum) PhP 15,000 PhP 17,500 PhP 12,000 PhP 14,000 PhP 450,000 PhP 750,000 PhP 450,000 PhP 750,000 INTEREST RATE* 3.0%* 6.5%** 3.0%* 6.5%** *SFixed for the first 5 years of loan term **Fixedfor the first 10 years of loan term
10 COUNTRYSIDE HOUSING INITIATIVE (CHI) a strategy of the Pag-IBIG Fund to engage various stake-holders to enable them to participate in the provision of shelter for the unserved and underserved sectors and areas in the country by providing institutional and end-user financial packages that shall address specific and peculiar needs that may result to more affordable housing finance or lower than market acquisition costs.
11 Stakeholders Developers Contractors Employers Cooperatives Local government units Housing associations Other parties of interest
12 Beneficiaries, unserved or underserved sectors Pag-IBIG members Employees or employee groups Cooperative members Local government constituents Sectorial beneficiaries Uniformed personnel, AFP, PNP, BJMP, BuCOR Other Working Groups, such as transport sector associations, market vendor associations, Teachers Associations.
13 Cost Saving Strategies - Pricing at cost - Subsidies - Land may be provided by employer, LGU, benefactor - Amortization Subsidies, part of the amortization may be subsidized by the employer (if the form of housing allowance), LGU, benefactor - May be in the form of sweat equity by volunteer groups - May be in the form of grants from foundations, charity institutions - May be in the form of discounts in equipment rental or cost of raw materials - May be in the form of waiver of sales and marketing costs - ROPA bulk sales discount
14 GLAD/GHLP End-User Loan JVA DDLP/HCFL Pag-IBIG Fund LGU Repayment Amortization developer Repayment Cooperative Group/Assn Employer association organization Beneficiary Institutional partnerships acquisition production landowner HDMF ROPA supplier contractor
15 CHI Sample Projects Villa Veronica Housing San Juan, Gingoog, Misamis Oriental 302 K 315 K L Oasis Housing Brgy. Baritan, Malabon City 450 K 915 K
16 CHI Sample Projects Sanca Ville Subdivision San Carlos City, Negros Occidental 450,000 Sto. Nino Heights Subdivision Poblacion, Dangcagan, Bukidnon 750,000
17 Sanca Ville Subd. San Carlos City, Negros Occidental Features: LGU acquired the property for LGU housing in partnership with the employees cooperative and JF Ledesma LGU will recover cost of land and site development at PhP120K/lot Price Range: 450,000 (1-2 Bedrooms) Appraised Value: 679,600
18 ACTUAL UNITS Sanca Ville Subdivision 1-2 Bedrooms
19 LGU Dangcagan, Bukidnon (Sto. Nino Heights Subdivision) Poblacion, Dangcagan, Bukidnon Features: Land owned by LGU JV between LGU (landowner) and developer Price Range: 450 K to 750 K (1-2 Bedrooms) Appraised Value: 555 K to 1 M
20 ACTUAL UNITS LGU Dangcagan, Bukidnon (Sto. Nino Heights Subdivision) 1-2 Bedrooms
21 LGU Gingoog City, Misamis Oriental (Villa Veronica Resettlement Project) Upper Malangka, San Juan, Gingoog Features: Land owned by LGU NHA funded site development Developer front-ended cost of house construction Price Range: 302 K to 315 K (1 Bedroom) Appraised Value: 477 K to 504 K
22 ACTUAL UNITS LGU Gingoog City, Misamis Oriental (Villa Veronica Resettlement Project) 1 Bedroom
23 LGU Malabon (L Oasis Housing) Brgy. Baritan, Malabon City Features: Land is owned by LGU LGU partnered with developer, Phinma, for site development and building construction Price Range: 450K 915K (Studio Type) Appraised Value: 693k 979k
24 ACTUAL UNITS LGU Malabon (L Oasis Housing) Brgy. Baritan, Malabon City Studio Type
25 Pag-IBIG Fund at a Glance Million Members 2017 Net Income B as of Oct B Total Assets as of Oct B Membership Savings Dividends 22.3 B HIGHEST EVER! 124 Branches Nationwide 23 Posts Worldwide 2016 Dividend Rate 6.93% per annum
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30 All these without increasing the monthly mandatory membership savings of 100 only since 1980s.
31 #YourPagIBIGFundAtYourService
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