The document outlines Pag-IBIG Fund's guidelines for their end-user home financing program, including eligibility requirements for borrowers, allowable loan amounts and purposes, terms such as interest rates and loan periods, insurance and prepayment policies, and associated fees. Borrowers must be Pag-IBIG members for at least 24 months and meet other criteria to qualify for loans that can be used to purchase or construct a residential property. The loan amounts are determined based on the borrower's Pag-IBIG contributions and have interest rates ranging from 6-11.5% depending on the loan amount.
Pag-IBIG Benefits: Home Development Mutual Fund. Employees who can avail of housing loans as one of their Pag-IBIG Benefits from the Home Development Mutual Fund.
Pag-IBIG Benefits: Home Development Mutual Fund. Employees who can avail of housing loans as one of their Pag-IBIG Benefits from the Home Development Mutual Fund.
Project presentation of Citadines Millennium Ortigas (Ortigas CBD, Pasig City). Investors are invited to be part of the serviced residences that shall be managed by The Ascott. For more details, please contact Mike Pacheo at +63917-8069537 / mikepacheo@me.com.
Project presentation of Rivergreen Residences Condominium in Sta. Ana, Manila City. For more details, please contact Mike Pacheo at 0917-8069537 or mikepacheo@yahoo.com.
Thanks.
Pag-IBIG Housing Loan Program presentation as of October 2020. Details on availing a housing loan with Pag-IBIG / HDMF can be found on this presentation. Thanks!
Whether called Equity Crowdfunding, Regulation Crowdfunding or Reg CF Crowdfunding . . . they are the same and this Powerpoint summarizes the SEC regulations on the subject.
I came across general queries on Income taxation issues from employees and I tried to help them to understand basic taxation rules and better financial plan for middle level salaried employees.
Should I Buy Now OR Wait Until 2024? + Mortgage Update with Expert Hugo Dos ReisVolition Properties
This meetup is going to be a DOUBLE HEADER featuring Matthew Lee & Ming Lim from Volition answering the single most FAQ the Volition team has been asked in the past few months is: "Should I buy NOW or WAIT until 2024?"... PLUS we’re bringing Expert Mortgage Broker Hugo Dos Reis (Partner at Vine Group) to give us an update on Interest Rates & the Mortgage Industry.
***
Part 1: Matthew Lee & Ming Lim from Volition Properties
“Should I buy NOW or WAIT until 2024?" We will reframe this question that is on everyone's mind, cut through the noise, and give you the real story of what’s happening in the market. We’ll dive into topics and recent developments including:
-Interest Rates & Inflation & Market Psychology
- Fallout of Sept 6 Bank of Canada Rate announcement and predictions of Fall Real Estate Market trends
- What is happening to Rents?
- “OMG I’m cashflow negative on an existing investment property, now what??” Strategies for dealing with negative cashflow.
- How do I know if this is a good time to BUY my primary residence / investment property?
- How do I know if this is a good time to SELL my primary residence / investment property?
- Examples of solid investment opportunities
- Examples of primary residence opportunities
MORE IMPORTANTLY... We will be talking about WHAT YOU SHOULD BE DOING AS AN INVESTOR to be successful in the current volatile environment. As with everything we do, Volition doesn't just read and regurgitate headlines, we will go deep PAST the "research & analysis" that any monkey can do, and actually SYNTHESIZE this into meaningful, actionable strategies and tactics in order to mitigate risk, boost cashflow, and build sustainable wealth.
Toronto has never been an easy market to invest in. Beside Vancouver, it is probably the single most challenging market to invest in in Canada. Volition makes it viable and achievable. We Make Toronto Work!
***
Part 2: Hugo Dos Reis from Vine Group
Mortgage Updates:
- BOC announcement and impacts on mortgage markets
- OSFI changes effective Oct. 31
- Interest rate forecasts
- Refinancing laneway suites
- High net worth programs and how they work
- Reverse mortgages
- Recommendation if buying/refinancing today
Remember: "There are only two types of real estate investors out there: ones who HAVE run out of money, and those who WILL run out of money." Let's all be the latter!!
Financing is the SINGLE BIGGEST CHALLENGE facing real estate investors.
We strive to solve problems, so we’re bringing in a titan in the industry, Hugo Dos Reis. Hugo is a partner at VINE Group, one of the top mortgage brokerages in Canada. They fund billions (that's not a typo!) in mortgages every year and have the expertise to handle complex investor and personal portfolios.
Project presentation of Citadines Millennium Ortigas (Ortigas CBD, Pasig City). Investors are invited to be part of the serviced residences that shall be managed by The Ascott. For more details, please contact Mike Pacheo at +63917-8069537 / mikepacheo@me.com.
Project presentation of Rivergreen Residences Condominium in Sta. Ana, Manila City. For more details, please contact Mike Pacheo at 0917-8069537 or mikepacheo@yahoo.com.
Thanks.
Pag-IBIG Housing Loan Program presentation as of October 2020. Details on availing a housing loan with Pag-IBIG / HDMF can be found on this presentation. Thanks!
Whether called Equity Crowdfunding, Regulation Crowdfunding or Reg CF Crowdfunding . . . they are the same and this Powerpoint summarizes the SEC regulations on the subject.
I came across general queries on Income taxation issues from employees and I tried to help them to understand basic taxation rules and better financial plan for middle level salaried employees.
Should I Buy Now OR Wait Until 2024? + Mortgage Update with Expert Hugo Dos ReisVolition Properties
This meetup is going to be a DOUBLE HEADER featuring Matthew Lee & Ming Lim from Volition answering the single most FAQ the Volition team has been asked in the past few months is: "Should I buy NOW or WAIT until 2024?"... PLUS we’re bringing Expert Mortgage Broker Hugo Dos Reis (Partner at Vine Group) to give us an update on Interest Rates & the Mortgage Industry.
***
Part 1: Matthew Lee & Ming Lim from Volition Properties
“Should I buy NOW or WAIT until 2024?" We will reframe this question that is on everyone's mind, cut through the noise, and give you the real story of what’s happening in the market. We’ll dive into topics and recent developments including:
-Interest Rates & Inflation & Market Psychology
- Fallout of Sept 6 Bank of Canada Rate announcement and predictions of Fall Real Estate Market trends
- What is happening to Rents?
- “OMG I’m cashflow negative on an existing investment property, now what??” Strategies for dealing with negative cashflow.
- How do I know if this is a good time to BUY my primary residence / investment property?
- How do I know if this is a good time to SELL my primary residence / investment property?
- Examples of solid investment opportunities
- Examples of primary residence opportunities
MORE IMPORTANTLY... We will be talking about WHAT YOU SHOULD BE DOING AS AN INVESTOR to be successful in the current volatile environment. As with everything we do, Volition doesn't just read and regurgitate headlines, we will go deep PAST the "research & analysis" that any monkey can do, and actually SYNTHESIZE this into meaningful, actionable strategies and tactics in order to mitigate risk, boost cashflow, and build sustainable wealth.
Toronto has never been an easy market to invest in. Beside Vancouver, it is probably the single most challenging market to invest in in Canada. Volition makes it viable and achievable. We Make Toronto Work!
***
Part 2: Hugo Dos Reis from Vine Group
Mortgage Updates:
- BOC announcement and impacts on mortgage markets
- OSFI changes effective Oct. 31
- Interest rate forecasts
- Refinancing laneway suites
- High net worth programs and how they work
- Reverse mortgages
- Recommendation if buying/refinancing today
Remember: "There are only two types of real estate investors out there: ones who HAVE run out of money, and those who WILL run out of money." Let's all be the latter!!
Financing is the SINGLE BIGGEST CHALLENGE facing real estate investors.
We strive to solve problems, so we’re bringing in a titan in the industry, Hugo Dos Reis. Hugo is a partner at VINE Group, one of the top mortgage brokerages in Canada. They fund billions (that's not a typo!) in mortgages every year and have the expertise to handle complex investor and personal portfolios.
[On-Demand Webinar] Tips to Successfully Invest in Property | Tips to Save Ta...Emily John
In this on-demand webinar you will learn how to successfully invest in property using our Premium Membership, as well as tips to minimise tax before EOFY
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
Skye Residences | Extended Stay Residences Near Toronto Airportmarketingjdass
Experience unparalleled EXTENDED STAY and comfort at Skye Residences located just minutes from Toronto Airport. Discover sophisticated accommodations tailored for discerning travelers.
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The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
2. 1. COVERAGE
1.1 All accounts taken out beginning
April 1, 2009 and onwards.
1.2 All accounts with proceeds not yet
fully released as of April 1, 2009,
except for accounts with retention
due to lacking requirements
3. LOAN PURPOSE
1. Purchase of a fully developed lot not
exceeding 1,000 sqm, which should be
within a residential area
2. Purchase of a residential house & lot,
townhouse or condominium unit inclusive
of parking slots
3. Construction or completion of residential
unit on a lot owned by the member
4. LOAN PURPOSE
1. Home Improvement
2. Refinancing of an existing
mortgage with an
institution acceptable
5. LOAN PURPOSE
1. Combination of loan purposes shall be limited
to the following:
a. Purchase of fully developed lot not exceeding 1,000
sqm and construction of residential unit thereon
b. Purchase of residential unit, with home
improvement
c. Refinancing of an existing mortgage with home
improvement
d. Refinancing of an existing mortgage, specifically a
lot loan with construction of a residential unit
thereon
7. On Pag-IBIG Membership
a. Not more than 65 years old at the date of
loan application and must be insurable and
must not be more than 70 years old at loan
maturity
b. Has the legal capacity to acquire and
encumber real property
c. Has passed satisfactory background/credit
and employment/business checks of the
developer and Pag-IBIG Fund
8. On Pag-IBIG Membership
a. Must be a member for at least 24
months at the time of loan applications
b. A member that are still short of the 24-
month membership requirement shall be
allowed to make lump sum payment
based on mandatory monthly
membership contributions
c. A member who has contributed for at
least 2 years shall be required to pay the
upgraded contribution rates upon
housing loan approval and onwards
9. On Pag-IBIG Membership
a. Has NO Outstanding Pag-Ibig housing loan,
either as principal or co-borrower
b. Had no Pag-IBIG housing loan that was
foreclosed, cancelled, bought back due to
default, or subjected to dacion en pago
c. Has no outstanding Pag-IBIG multi-purpose
loan in arrears at the time of loan
application.
11. Loan Entitlement based on Pag-IBIG
Contributions
Pag-IBIG Membership Contributions
LOAN AMOUNT
POP Pag-IBIG I & II
US $5 P200 Up to P500,000
250 Over P500,000 – P600,000
300 Over P600,000 – P700,000
350 Over P700,000 – P800,000
US $ equivalent 400 Over P800,000 – P900,000
at point of 450 Over P900,000 – P1,000,000
availment 500 Over P1,000,000 – P1,100,000
550 Over P1,100,000 – P1,200,000
600 Over P1,200,000 – P1,300,000
650 Over P1,300,000 – P1,400,000
700 Over P1,400,000 – P1,500,000
750 Over P1,500,000 – P1,600,000
800 Over P1,600,000 – P1,700,000
12. Loan Entitlement based on Pag-IBIG
Contributions
Pag-IBIG Membership Contributions
LOAN 1AMOUNT
POP Pag-IBIG I & II
US $5 850 Over P1,700,000 – P1,800,000
900 Over P1,800,000 – P1,900,000
950 Over P1,900,000 – P2,000,000
1,000 Over P2,000,000 – P2,100,000
US $ equivalent 1,050 Over P2,100,000 – P2,200,000
at point of 1,100 Over P2,200,000 – P2,300,000
availment 1,150 Over P2,300,000 – P2,400,000
1,200 Over P2,400,000 – P2,500,000
1,250 Over P2,500,000 – P2,600,000
1,300 Over P2,600,000 – P2,700,000
1,350 Over P2,700,000 – P2,800,000
1,400 Over P2,800,000 – P2,900,000
1,450 Over P2,900,000 – P3,000,000
13. Loan Entitlement based on
Capacity to Pay
a. The loan amount applied for is less than or
equal to Seven Hundred and Fifty Thousand
Pesos (P750,000.00), and the account is not
covered by a buyback guaranty;
b. The loan amount applied for is over Seven
Hundred and Fifty Thousand Pesos
(P750,000.00).
14. Supporting Documents
• For Locally Employed:
b.Notarized Certificate of Employment and
Compensation (Pag-IBIG format)
c.Notarized Certificate of Employment and
Compensation (Employer’s format) and
latest 1-month pay slip
d.Income Tax Return/Certificate of Tax
Withheld (BIR Form No. 2316) and latest
1-month pay slip
15. Supporting Documents
• For Self-Employed
Income Tax Return and Audited Financial
Statements and Official Receipt of tax payment
from bank, DTI Registration, Mayor’s Permit
• For POP Members
d. Employment Contract
e. Other proofs of income duly validated and
certified/initialed by the assigned Pag-IBIG
Information Officer shall be accepted for
evaluation.
16. INTEREST RATE
Loan Amount Interest Rate
Up to P400,000 6%
Over P400,000 to P750,000 7%
Over P750,000 to P1,000,000 8.5%
Over P1,000,000 to P1,250,000 9.5%
Over P1,250,000 to P2,000,000 10.5%
Over P2,000,000 to P3,000,000 11.5%
17. LOAN TERM
• The loan shall be repaid at a maximum
term of thirty (30) years and shall, in no
case, exceed the difference between the
present age and age seventy (70) of the
principal borrower.
• The borrower shall be allowed to lengthen
or shorten the loan term only once during
the life of the loan.
18. LOAN PAYMENT
• The loan shall be paid in equal monthly amortizations in
such amounts as may fully cover the principal and
interest, as well as insurance premiums, over the loan
period, and shall be made, whenever feasible, through
salary deduction.
• The borrower shall execute the Authority to Deduct the
monthly loan amortization from his salary, and shall
secure the conforme of his employer for the purpose.
• Pag-IBIG Fund and the employer shall enter into a
Collection Agreement stipulating, among others, that the
deduction for the employee’s Pag-IBIG housing loan
shall have priority over other obligations of the same
nature after all statutory deductions have been effected.
20. PREPAYMENT
• A borrower shall be allowed to prepay his
loan in full or in part without prepayment
penalty, pursuant to Republic Act 7394.
• Accelerated payments – any amount paid
in excess of the required monthly
amortization shall be applied automatically
to principal, unless otherwise expressly
requested by the borrower upon payment.
21. LOAN CHARGES
• One Thousand Pesos (P1,000.00)
upon filing of the loan application,
which shall be non-refundable if the
loan is disapproved;
• Two Thousand Pesos (P2,000.00)
upon loan takeout