Pag-IBIG FundHome Lending Program Updates

Acmad Rizaldy P. MotiChief Executive Officer

Pag-IBIG Fund Snapshot

17.39 MillionMembers

as of June 2017

₱460.21 BTotal Assetsas of May 2017

₱32.8 BMembership Savings

2016

₱22.3 B2016 Dividends

HIGHEST EVER!

₱25.01 B

2016 Net Income

123BranchesNationwide

23Posts Worldwide

6.93%2016 Dividend Rate

per annum

2009- 2016 Actual

Housing Loan Take-outs

P31.82 B

P40.58 B

P33.96 B

2012

P43.93 B

201520142013

7%19%

8%

P57.3 B

P31.53 B

2011

1%

P40.80 B

2010

P45.70 B

2009

(11%)

(23%)

2016

30%

HL Take-outs Jan - June 2017

1st Sem 2016

P24.7 B

P28.8 B

1st Sem 2017

LOAN VALUE (Php B)

17%I N C R E A S E

1st Sem 2016 vs1st Sem 2017

J a n - J u n e 2 0 1 7

Worth of Housing Loans

Members Acquired

New Homes

P28.8 B

36,139

34,04136,139

NO. OF UNITS

1st Sem 20171st Sem 2016

Housing Performing Loans Ratio (PLR)

and Non-Performing Loans (NPL) Ratio

78.42%

80.86%

84.71%

89.44% 90.55%

2013 2014 2015 2016 1Q 2017

PERFORMING LOANS RATIO

9.45%SINGLE DIGIT NPL FIRST TIME

EVER

75.00%

2012

HL COLLECTIONS

P20.5 BILLION

Jan-June 2017

P25.0 BILLIONInclusive ofAcquired AssetsCollections

20%I N C R E A S E

2016 vs2015

10%INCREASEvs Jun 2016

2015

P38.9 B

P46.6 B

2016

LOW INTEREST RATE

FOR REGULAR HOUSING LOAN

Borrow up to ₱6M

Multiple housing loans allowed

Up to 2 co-borrowers

5.5%interest rate per annum

1-year re-pricing period

Loan Value P28.8 B

No. of Units 36,139

Actual Housing Loan Takeouts(January – June 2017)

AS LOW AS

Affordable Housing ProgramFor Minimum-Wage Earners

3%T h e n e w r a t e i s 3 3 % m o r e a f f o r d a b l e

t h a n t h e p r e v i o u s 4 . 5 % i n t e r e s t r a t e .

PER ANNUM

* 1 s t 5 y e a r s o f a P 4 5 0 K l o a n i n a

3 0 - y e a r l o a n t e r m

e f f e c t i v e M a y 1 , 2 0 1 7

P1,897

MONTHLY

AMORTIZATION

Gross Monthly Income

Requirement

P5,420.62

LOWEST IN THE

MARKET!

* *

2016

Socialized Housing

Deliveries

24,983Total No. of Units

60%Availed through

Affordable Housing

Program

Equivalent to

15KUNITS

Affordable Housing Program(2016)

Interest RateNo. of

Units

Loan Value

(Approximate)

4.5% 14,750 ₱5 B

6.5% 4,919 ₱2.97 B

TOTAL 19,669 ₱7.97 B

Affordable Housing Program(January to June 2017)

Loan Amount No. of UnitsLoan Value

(Approximate)

₱450K& below

6,396 ₱2.19 B

above

₱450K1,868 ₱1.08 B

TOTAL 8,264 ₱3.27 B

1,731

3% Interest Availment (May to June 2017)

Loan ValueNo. of Units

₱619 M

Countryside Housing

Initiative (CHI)

• Tripartite Partnership between Pag-IBIGFund, HLURB, & Employers (Target: LGUs,State Universities, Hospitals, etc.)

• Financial assistance to employers offormally employed Fund members foracquisition and development of rawland under Group Land Acquisition &Development (GLAD) Program withhousing units construction

P450,000 LOAN

Duplex in a 50 sqm. lot w/ a 25 sq.m. house, and appraised value of P700 K

P750,000 LOAN

Single-attached in a 60-75 sqm. lot w/ a 50 sq.m. house, and appraised value of P1 M

• Conduct of Housing of Housing

Caravan

• Allocation of P10 Billion to finance

quality homes for military, police, and

other government personnel

• Support of Malacañang through Presidential

Proclamation declaring government lands

for AFP/PNP housing

CHI Program

Implementation

CHI Sample Projects

Sto. Nino Heights Subdivision

Poblacion, Dangcagan, Bukidnon

P750,000

Sanca Ville Subdivision

San Carlos City, Negros Occidental

P450,000

CHI Sample Projects

L’Oasis Housing

Brgy. Baritan, Malabon City

P450 K – P915 K

Villa Veronica Housing

San Juan, Gingoog, Misamis Oriental

P302 K – P315 K

Red-Tape

Reduction

FASTER HOUSING LOAN

TRANSACTIONS

BEFORE

27DAYS

NOW

20DAYS

PROCESSING TIME APPLICATION REQUIREMENTS

BEFORE

14

NOW

7

Reduced Number of Requirements

(from 14 to 7)

1. Housing Loan Application with recent ID photo of borrower/co-borrower

(if applicable) (2 copies)

2. Proof of Income

3. One (1) valid ID (Photocopy, back-to-back)

4. Transfer Certificate of Title (TCT)/Condominium Certificate of Title (CCT)

(Certified True Copy)

5. Updated Tax Declaration (House and Lot) and Updated Real Estate Tax Receipt

(photocopy)

6. Contract-to-Sell or similar agreement between the buyer and seller

7. Vicinity Map/Sketch of the Property

G-to-GTransactions

90%

P A R T N E R S H I P

W I T H B I R

FASTER ISSUANCEOF eCAR

TO REDUCE

PROCESSING

TIME BY ALMOST

P A R T N E R S H I P

W I T H L R A

FASTER ISSUANCEOF CTC

BEFORE

2 WEEKS

NOW

20 MINUTES

TO 2DAYS

Awards and Recognitions

All these without increasing the monthly mandatory

membership savings of

P100 only since 1980s.

#YourPagIBIGFundAtYourService

Thank You