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Update: As another calamity – Typhoon Yolanda/ Haiyan -struck our country in full measure, the following is a list of areas under the state of calamity as of November 11, 2013:
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| Chart by Manila Bulletin Online |
The following are the areas under state of calamity due to Yolanda as of noon of Nov. 11:
1. Aklan
2. Antique
3. Capiz
4. Iloilo
5. Negros Occidental
6. Ormoc, Leyte
7. Coron, Palawan
As of November 11, a total of 23 areas across the country are also still under the state of calamity effective until Nov. 18 due to several weather disturbances including ‘Habagat’ and the 7.2-magnitude earthquake that jolted Bohol, Cebu and other nearby areas.
1. Caban; Gregoria del Pilar of Aurora
2. Bataan
3. Bohol
4. Bulacan (Obando, Calumpit, Hagonoy, Meycauayan)
5. Caloocan
6. Cavite
7. Cebu
8. Ilocos Sur (Sta. Maria; Narvacan, Candon)
9. Laguna
10. Las Pinas
11. Malabon
12. Marikina
13. Muntinlupa
14. Occidental Mindoro (Sablayan, Lagnas)
15. Pampanga
16. Pangasinan (Sta. Barbara, Umingan, Calasiao)
17. Paranaque
18. Pasaya
19. Pateros
20. Rizal
21. Taguig City
22. Tarlac
23. Valenzuela
SSS also eases loan terms and will offer advance pensions in Yolanda-hit areas.
Update: In view of the deadly earthquake in Bohol and Cebu, the Pag-IBIG Fund is offering a calamity loan where members can avail of 80 percent of their total savings with only 5.95 percent interest (see below on how to apply for a calamity loan from Pag-IBIG). Loan requirements include calamity loan application form, Member’s Data Form, Certificate of Net Pay or one month payslip and photocopy of two valid IDs.
Pag-IBIG has installed mobile service desks in Cebu and Bohol to accept calamity loan applications in front of the Mandaue City Hall, in Gaisano Capital Danao, at the Bogo Service Office on the second floor of J & N Building in Bogo City, at the Gaisano Island Mall in Pusok, Lapu-Lapu City and the Tagbilaran City Hall and at the Governor’s Mansion in Bohol.
For further inquiries, call 5059759 or 5059761 or email cebunorth@pagibigfund.gov.ph.
It has been sunny the
whole day today and as I watched the massive Anti-Pork Barrel Rally in Laguna,
clips of the devastation caused by Storm Maring and the southwest monsoon was
shown.
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| Source:Google Somewhere in Laguna |
It is difficult for
families to pick up the pieces, I know, and more areas than ever are being
declared as a state of calamity.
families to pick up the pieces, I know, and more areas than ever are being
declared as a state of calamity.
A state of calamity is
defined under Section 3 of Republic Act 10121 otherwise known as the “Philippine
Disaster Risk Reduction and Management Act of 2010” as “a condition involving
mass casualty and/or major damages to property, disruption of means of
livelihoods, roads and normal way of life of people in the affected areas as a
result of the occurrence of natural or human-induced hazard.”
defined under Section 3 of Republic Act 10121 otherwise known as the “Philippine
Disaster Risk Reduction and Management Act of 2010” as “a condition involving
mass casualty and/or major damages to property, disruption of means of
livelihoods, roads and normal way of life of people in the affected areas as a
result of the occurrence of natural or human-induced hazard.”
If your area is under
a state of calamity (check it here), you can avail of a CALAMITY LOAN from Pag-IBIG, SSS and/or
GSIS.
a state of calamity (check it here), you can avail of a CALAMITY LOAN from Pag-IBIG, SSS and/or
GSIS.
HOW TO APPLY FOR A
CALAMITY LOAN FROM PAG-IBIG/HDMF (Home Development Mutual Fund)
CALAMITY LOAN FROM PAG-IBIG/HDMF (Home Development Mutual Fund)
- Who
are eligible? The
calamity loan program is open to any Pag-IBIG member who: - has
made at least 24 monthly contributions (whether continuous or broken); - is
an active member [i.e., has made at least 5 contributions in the last 6
months as of month prior to the date of loan application]; and - resides
in an area which is declared by the Office of the President or the
Sanggunian concerned as under a state of calamity.
If the member has an existing Housing Loan, Multi-Purpose Loan
(MPL) and/or Calamity Loan, the account must not be in default as of the date
of the loan application.
(MPL) and/or Calamity Loan, the account must not be in default as of the date
of the loan application.
- How
much can one loan? Up
to 80% of the eligible member’s total accumulated value (TAV, equivalent
to member’s contri. plus employer’s contri. plus earned dividends).The current interest rate is 5.95% per annum. - What is the payment period? The loan is amortized over a
period of 24 months, with a grace period of 3 months, i.e., the eligible member
has a 3-month reprieve and only starts paying on the 4th month.
- Can
one still loan if he/she has an outstanding MPL/calamity loan? Yes, but the outstanding MPL balance
shall be deducted from the 80% of TAV. For example, if a member has a TAV
of P10,000, the maximum loanable amount is P8,000. If the member has an
outstanding MPL of P5,000, the member can only avail of calamity loan
worth P3,000.If, in addition to an outstanding MPL, the member also has an outstanding
calamity loan in the amount of P2,000, in the example above, the member is
still granted a new calamity loan of P3,000 but will only receive P1,000
because the P2,000 will pay off the existing calamity loan balance. This
means that at any given time, a member can have both MPL and calamity
loan, but only one calamity loan. - Until
when can an eligible member avail of the loan?Within a period of 90 days from the
declaration of a state of calamity. - What
are the documentary requirements for the loan application?
- Completely
filled-up application form (please indicate member’s identification
number (MID) in the form; if none yet, submit duly accomplished Member’s
Data Form with the loan application form) - 2
valid IDs - Where
can one apply for a loan? One
can download the form from the website: www.pagibigfund.gov.ph (click
“FORMS” at the upper left corner). To apply, one can go to any Pag-IBIG
branch nationwide. The member must only bring proof that he/she is a
resident of an area declared under a state of calamity (e.g., barangay
certificate).
HOW TO APPLY FOR A CALAMITY/EMERGENCY LOAN FROM THE GSIS
(GOVERNMENT SERVICE INSURANCE SYSTEM)
(GOVERNMENT SERVICE INSURANCE SYSTEM)
The GSIS Emergency Loan of P20,000.00 is payable in three years or
36 equal monthly installments at an interest rate of 6% per annum.
36 equal monthly installments at an interest rate of 6% per annum.
If an emergency loan is renewed, the balance of the outstanding
loan will be deducted from the proceeds of the new loan.
loan will be deducted from the proceeds of the new loan.
Who can avail of the GSIS Emergency
Loan ?
Loan ?
To qualify for the emergency loan, the member-applicant must be:
- A bona fide resident or employee of the government office WITHIN
THE DECLARED CALAMITY AREA; - Be in active service and not on leave of absence without pay;
- Has no pending criminal or administrative charges;
- Has no arrearages in the payment of mandatory social insurance
contributions; and - Has no loan that has been declared in default.
For a calamity-hit area, it must be declared in as state of
calamity by its Sangguniang Panlalawigan/Panglungsod and approved by the GSIS
Board of Trustees before members working in government offices in the said area
become eligible for the Emergency Loan.
calamity by its Sangguniang Panlalawigan/Panglungsod and approved by the GSIS
Board of Trustees before members working in government offices in the said area
become eligible for the Emergency Loan.
How can members apply for the Emergency
Loan?
Loan?
Eligible members can avail of the Emergency Loan using their eCard
Plus on any GSIS Wireless Automated Processing System (G-W@PS) kiosk installed
in all GSIS servicing offices and in select government offices in different
parts of the country.
Plus on any GSIS Wireless Automated Processing System (G-W@PS) kiosk installed
in all GSIS servicing offices and in select government offices in different
parts of the country.
To apply for the Emergency Loan using the kiosk, a member needs to
first place his eCard Plus on the card reader of the kiosk. Then, he needs to place any of
hispre-selected fingers on the fingerprint biometric scanner of the kiosk. Using the touch screen monitor of the G-W@PS,
a member must select “Emergency Loan” from the list of loans available on the
loan menu and follow the simple instructions that will be displayed on the
screen to complete the transaction.
first place his eCard Plus on the card reader of the kiosk. Then, he needs to place any of
hispre-selected fingers on the fingerprint biometric scanner of the kiosk. Using the touch screen monitor of the G-W@PS,
a member must select “Emergency Loan” from the list of loans available on the
loan menu and follow the simple instructions that will be displayed on the
screen to complete the transaction.
Eligible members can also apply for the Emergency Loan through
over-the counter (OTC) application to be filed in GSIS offices covering the
calamity-declared areas. To apply for
the emergency loan via OTC, eligible members have to accomplish an application
form.
over-the counter (OTC) application to be filed in GSIS offices covering the
calamity-declared areas. To apply for
the emergency loan via OTC, eligible members have to accomplish an application
form.
A tentative computation of their loan proceeds and monthly
amortization will also be shown to member-applicants when they apply via G-W@PS
kiosk or OTC.
amortization will also be shown to member-applicants when they apply via G-W@PS
kiosk or OTC.
THE SOCIAL SECURITY SYSTEM (SSS) CALAMITY RELIEF PACKAGE
The SSS is providing a series of calamity relief packages
consisting of:
consisting of:
Salary Loan Early Renewal Program
The Salary Loan Early Renewal Program (SLERP) allows members to
renew existing salary loans earlier than the date prescribed in the agency’s
guidelines. The program also provides
the lifting of sanctions imposed on borrowers who have availed of the SSS Loan
Penalty Condonation Program.
renew existing salary loans earlier than the date prescribed in the agency’s
guidelines. The program also provides
the lifting of sanctions imposed on borrowers who have availed of the SSS Loan
Penalty Condonation Program.
Easier Hose Repair Loan Terms
Annual interest rates under the SSS Direct House Repair and/or
Improvement Loan will be reduced by 2 percent from the regular rate, provided
that the money will be used solely for house repair and improvement.
Improvement Loan will be reduced by 2 percent from the regular rate, provided
that the money will be used solely for house repair and improvement.
Advanced release of three months’ worth of pension for pensioners.
More Info and Application forms are available at any SSS Branch or
at www.sss.gov.ph
at www.sss.gov.ph
Oh, these steps will truly help countrymen affected by the typhoon.
The soil tempers temperature swings and absorbs heat from within the structure, making it a very stable environment inside.
http://www.allevaconstruction.com/12-month-zero-percent-financing.php
How will i know if my calamity loan been approved? Will i be able to know it via inquiry thru on line?