All Articles With Category : Government Services

The latest and the best financial news, tips and tricks.

Bayanihan 2 Loan Extension and Grace Period: What Borrowers Should Know

Last year, the unprecedented effects of the pandemic hit everyone financially. Due to lockdowns and restrictions in mobility, a lot of economic activities were either completely halted or temporarily discontinued. This caused people to tighten their belts, which in turn had directly affected their capacity to pay their debts and settle financial obligations, such as loans and credit card bills. To address the Filipino borrowers’ common dilemma, the government had implemented the Bayanihan to Recover as One Act or Bayanihan 2. You might have already heard about it, but what exactly is it? This article will fill you in on the details of the said law and how it affects your loan or credit card payments. Table of ContentsFAQs on Bayanihan Act 2 Loan Extension and Grace Period1. What is the purpose of Bayanihan Act 2? 2. How does the loan grace period work?3. Is Bayanihan Act 2 still in effect?4. Is there a Bayanihan Act 2 loan extension?5. Is my loan qualified for the loan grace period?6. I have 2 or 3 loans that satisfy the grace period requirements. Are they all eligible?7. Will my loan incur late fees and other charges within the grace period? 8. Does my loan continue earning interest during the grace period? 9. What happens to my loan/credit card payments after the grace period?10. Does using the loan grace period affect my credit score?11. I have a complaint about my lender’s grace period implementation. What should I do?12. What should I put in my complaint submitted via email or postal mail?13. How will I…

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11 Helpful Tips to Get Your Pag-IBIG Housing Loan Approved

Owning a home is a milestone that many Filipinos will always be proud of. For some, it’s a sign of financial independence. For others, it’s a status symbol. A lot of us consider this purchase a significant investment. A real estate property is expensive. Also, the acquisition process can be complicated. Successfully overcoming these grueling steps certainly feels like a victory. But did you know that owning a home can be easier than you expect? This is possible through the Pag-IBIG housing loan. With interest rates for as low as 3% over repayment terms of up to 30 years, this loan from the Pag-IBIG Fund is one of the more affordable and flexible home financing schemes in the Philippines. If you’re planning to apply for this loan, we’ve come up with a simple primer that covers the program’s basics, plus Pag-IBIG housing loan tips to increase your chances of getting approved. Table of ContentsHow Pag-IBIG Housing Loan WorksHow Long Does Pag-IBIG Housing Loan Processing Take?Pag-IBIG Housing Loan Tips on Getting Approved1. Settle Any Overdue Pag-IBIG Loan Payment2. Keep a Stable Source of Income3. Check Your Credit Report and Improve Your Credit Score4. Apply for an Amount You Can Actually Pay Back5. Make a Higher Down Payment6. Ensure Your Income Document Reflects All Your Earnings7. Consider Applying for Pag-IBIG Affordable Housing Loan Program8. Make a Checklist of Pag-IBIG Housing Loan Requirements to SubmitDisapproved Pag-IBIG Housing Loan? Here’s What You Can Do Next1. Get a Co-Borrower2. Buy a Lower-Priced Home3. Consider Alternatives to Pag-IBIG Housing LoanApply for a Loan Through Moneymax!Final Thoughts…

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MMDA Violations and Fees Every Motorist Must Know About

Everyone who drives tries their best not to violate any traffic rule—that’s a fact. Sometimes, though, you’ll find yourself fined for an MMDA violation. “I didn’t know” is definitely not something you can say to get out of trouble. As a motorist, you’re obliged to observe traffic rules and regulations. Moreover, you must be updated on the penalties that come with certain traffic violations and misconducts. Don’t worry, we’ll fill you in on that. Here is a list of MMDA traffic violations and penalties you should know about. For your reference, we have also included the MMDA violation code sheet[1]. Table of ContentsMMDA Violation and Penalty Fee ListLicense-Related Violations and PenaltiesLicense Plate and Registration-Related Violations and PenaltiesCommon Driving Violations and PenaltiesPenalties for Improper Driver Behavior and ConductHow to Pay Your MMDA ViolationTips When Dealing with MMDA OfficersFinal ThoughtsGet a Free Car Insurance Quote from Moneymax! MMDA Violation and Penalty Fee List License-Related Violations and Penalties These violations usually involve your driver’s license—any misuse, failure to carry it while driving, or failure to renew it. Read more: LTO Student Permit Application Guide for First-Time Drivers How to Get a Driver’s License in the Philippines License Plate and Registration-Related Violations and Penalties These violations involve the license plates issued to the driver upon registration, as well as those related to your vehicle registration. Read more: Complete Guide to Car Registration and Renewal in the Philippines LTO License Plate Updates and Rules Car Owners Must Know Common Driving Violations and Penalties These violations are among the most committed by experienced and newbie drivers…

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Quick Guide to Applying for SSS Salary Loan Online

The COVID-19 pandemic has certainly affected everyone’s finances. Good thing, applying for an SSS salary loan is a lot easier now. Thanks to a more developed online system, members can enjoy a smoother SSS online registration process and quicker salary loan processing time. Keep reading if you’re planning on applying for an SSS salary loan soon. Table of ContentsWho Can Apply for SSS Salary Loan?SSS Salary Loan RequirementsSSS Loan Requirements for EmployeesSSS Loan Requirements for OFWsSSS Salary Loan Online ApplicationHow to Apply for SSS Loan OnlineHow Many Days Does It Take for SSS to Release Salary Loan?What Does “SSS Loan Application Has Been Granted” Mean? How to Pay for Your SSS Salary LoanWhere to Pay for SSS Salary LoanFinal Thoughts Who Can Apply for SSS Salary Loan? SSS members who have at least 36 months total contributions and 6 months of contributions in the last twelve months can apply. The salary loan amount is equivalent to one month’s worth of salary. You can also apply for a two-month salary loan. But you should have at least 72 months of posted contributions and 6 months of contributions in the last twelve months. Not sure how many months of contributions you have to loan from SSS? You can find all your SSS contributions on the My.SSS portal. Just log in to your account and click on Inquiry. Select Contributions to see your total number of contributions. If you‘re employed, your employer must have up-to-date loan remittances and monthly contributions. You must also have up-to-date payments of other loans acquired. This includes housing…

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Simple Steps to Applying for a Pag-IBIG Loyalty Card

If you’re looking for a new rewards card that will reap you the most discounts, try checking out the Pag-IBIG Loyalty Card. With this card, you can claim discounts and rewards from commercial establishments like restaurants, schools, and pharmacies, among others. Don’t have one? Here are the things you need to know before applying. Table of ContentsWhat is a Pag-IBIG Loyalty Card?Why You Should Get a Pag-IBIG Loyalty Card1. Cash Card Functionality2. Affordable Valid ID for Life3. Discounts and BenefitsHow to Get a Pag-IBIG ID Loyalty CardPag-IBIG Loyalty Card RequirementsPag-IBIG ID Loyalty Card Benefits and DiscountsHealth and Medication DiscountsEducation Benefits and DiscountsFood and Restaurant DiscountsShopping Discounts and BenefitsBeauty and Wellness DiscountsTravel and Accommodation DiscountsOther Discounted ServicesFinal Thoughts What is a Pag-IBIG Loyalty Card? Pag-IBIG first launched their loyalty program in 2014 as a way to maximize the value of the working Filipino’s Pag-IBIG membership. The government agency partnered with different establishments to offer exclusive discounts and perks to Pag-IBIG members nationwide. That’s why the membership grew from 8.8 million in 2010 to 14.8 million in 2014[1]. Indeed, the Pag-IBIG Loyalty Card became more than just a Pag-IBIG ID. In a developing country like the Philippines, it offered considerable financial assistance to citizens who want the best value for their money. And in late 2019[2], Pag-IBIG improved on it and gave it a whole new purpose. They introduced the Pag-IBIG Loyalty Card Plus, the agency’s very own cash card. “The new and improved Pag-IBIG Loyalty Card Plus can now be used as a cash card where borrowers can receive the proceeds…

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SSS Salary Loan vs. Pag-IBIG Multi-Purpose Loan: Understanding the Differences

At some point, you’ll find yourself struggling with money. It’s either an unexpected expense has come up or you’re trying to fund a major project and your budget can’t accommodate all your plans. If you’re currently cash-strapped, two financing options may help you out: the SSS Salary Loan and the Pag-IBIG Multi-Purpose Loan. To help you decide which one will work well for your situation right now, we’ve come up with a simple guide that covers all you need to know about these loans. Read on to learn more about SSS loan vs Pag-IBIG loan. Table of ContentsSSS Loan vs Pag-IBIG Loan: An OverviewWhy Get an SSS Salary Loan or Pag-IBIG Multi-Purpose Loan?How Much Can I Borrow from SSS and Pag-IBIG?SSS Loan Amount: How much is the first loan in SSS?Pag-IBIG Loan Amount: How much is the first loan in Pag-IBIG?What are the Loan Interest Rates? SSS Loan Interest RatesPag-IBIG Loan Interest RatesWhat are the Requirements?SSS Loan RequirementsPag-IBIG Loan RequirementsHow Can I Repay my SSS or Pag-IBIG Loan?SSS Salary Loan Repayment TermsPag-IBIG Multi-Purpose Loan Repayment TermsWhat Happens if I Can’t Repay my Loan?SSS Salary Loan PenaltyPag-IBIG Multi-Purpose Loan PenaltyCan I Renew My SSS Loan? How about My Pag-IBIG Loan?Final ThoughtsCompare Personal Loans at Moneymax! SSS Loan vs Pag-IBIG Loan: An Overview Confused about the SSS Loan vs Pag-IBIG Loan? Let’s start with the similarities. Basically, both SSS and Pag-IBIG loans provide short-term financial assistance to their members. The Pag-IBIG Multi-Purpose Loan or MPL is a cash loan that qualified members may apply for to help them with any immediate financial need.(1)…

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3 Simple Ways to Check Your SSS Contributions Online

In the past, tracking one’s monthly SSS contributions used to involve visiting an SSS branch or calling the agency’s hotline for self-employed workers and coordinating with the HR department for employees. Those were the days, fortunately. Today, you can view your SSS contributions online via the Social Security System website. You can do it in less than five minutes, depending on your actual internet connection speed. No more follow-ups, stressful commutes, or falling in line. Here’s a quick guide on how to check SSS contributions online. Table of ContentsWhy Check Your SSS Contribution Online?How to Check Your SSS Contributions OnlineStep 1: Visit the SSS websiteStep 2: Log in to your My.SSS accountStep 3: Go to the SSS Contribution Inquiry pageHow to Check SSS Contributions Online via the new SSS Member PortalHow to Check SSS Contributions Online via the SSS Mobile AppFinal Thoughts Why Check Your SSS Contribution Online? Verifying your monthly premium contributions regularly is worth the time and trouble. If you’re employed by a company, you need to make sure that your employer is actually remitting the correct amount and is doing it without delays. If you’re a self-employed or voluntary member, monitoring your SSS contributions will let you know immediately if you have any missed or incorrect payments so that you can make the necessary adjustments as early as possible. Why should you be meticulous about your contribution payments? To qualify for an SSS loan or benefit, you need to meet the required minimum monthly contributions within a certain period. For example, when you apply for an SSS loan,…

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PRC Online Registration: Guide for Professionals in the Philippines

Like other government agencies in the Philippines, the Professional Regulation Commission (PRC) has made several services available online through the Licensure Examination and Registration Information System (LERIS). This way, professionals can transact more quickly and conveniently with the PRC at any time. Through the PRC LERIS online application, you can do your initial PRC online registration for issuing of license or PRC ID, submit your PRC board exam application, or even get your PRC online renewal appointment rescheduled.  Here’s a quick guide to help you transact through the PRC online website minus the hassle. Table of Contents📌How to Register for PRC Online AccountPRC Requirements for Online RegistrationPRC Online Registration Steps📌PRC Appointment and Online Exam Application StepsHow to Apply for Board Exam in PRC 📌PRC Online Application for Initial Registration StepsHow to File PRC ID Online for New Board Passers📌Steps for Online Application for PRC ID Renewal How to Apply for PRC Renewal Online📌PRC Online Application for Certifications of Board Rating and PassingHow to File for Certificate of Board Rating and Passing Online📌Where to Pay PRC Online Services📌Reminders When Using PRC Online Services1. Set Your Appointment Date in Advance2. Beware of Fixers3. Email the PRC for Questions or Concerns📌PRC Online FAQs1. How do you cancel your appointment in PRC?2. How do you reschedule a PRC renewal appointment? 3. Can you walk in for a PRC renewal? 4. Where can you file your LET exam online application? 5. Is the PRC online registration free? Final Thoughts 📌How to Register for PRC Online Account The first of your PRC online application steps is registering for an…

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How to Get UMID ID: Simple Steps You Need to Follow

These days, integration into a single system is a trend. Plenty of websites for example, include single sign-in or sign-up processes via Facebook integration or Google. By the same token, the Philippine government has essentially attempted to integrate a member’s SSS, GSIS, Pag-Ibig, and PhilHealth information onto a single card in the form of the UMID ID. Here’s how to get a UMID ID in the Philippines. Table of ContentsWhat is a UMID ID?1. You Have to Apply Personally2. Make Sure You Meet All UMID ID RequirementsRequired Documents for SSS members:Required Documents for GSIS members:3. How to Get UMID IDHow to Get UMID ID for SSS membersHow to Get UMID ID for GSIS Members4. You Can Check Your UMID ID Card Application StatusHow to Verify UMID card status:5. You Can Apply for a UMID ATM card6. Beware of UMID ID Text ScamsFinal Thoughts What is a UMID ID? UMID means Unified Multi-purpose Identification and often called UMID Card. The Unified Multi-Purpose ID (UMID) is a four-in-one identification card that Filipinos can use to transact with government agencies such as the Social Security System (SSS), Government Service Insurance System (GSIS), PhilHealth, and Pag-IBIG Fund. The UMID is also accepted as a valid ID in most transactions, making it one of the most powerful IDs in the Philippines. But unlike getting a passport, a UMID card application is quite simpler and easier even for fresh college graduates who are starting out in their first job. Want to know how to get your UMID ID? Here are the important things to keep in mind…

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Simple Steps on How to Get PhilHealth ID

Before claiming any PhilHealth benefits, members have to provide their Member Data Record (MDR) and/or PhilHealth ID. The latter, however, is often overlooked by PhilHealth members even if one can get the ID without charge. After all, you usually only need to provide your membership number for most transactions. Apart from having a valid ID that you can use for government and non-government transactions, owning an ID from PhilHealth also allows you to maximize your PhilHealth contributions. In case you’re one of those members who don’t have the ID yet, here are the steps for getting one. Table of ContentsHow to Get PhilHealth IDBe a PhilHealth Member FirstHow to Get PhilHealth ID for Employees, Voluntary Members, and Senior CitizensPhilHealth ID v.s. PhilHealth Insurance Card: What is the Difference?Reminders for Getting PhilHealth IDHow to Replace Lost PhilHealth IDFinal Thoughts How to Get PhilHealth ID Be a PhilHealth Member First If you are currently employed in a private company, expect your HR officer to accomplish your PhilHealth membership and provide you with an ID. However, unemployed and self-employed individuals need to register as a “Voluntary Member” and then apply to get a PhilHealth ID card. PhilHealth Requirements for Membership The following are the documents that you need to prepare and submit at any PhilHealth Local Insurance Office (LHIO). These are also the PhilHealth ID requirements for unemployed and self-employed individuals. Two (2) accomplished copies of the PhilHealth Member Registration Form (PMRF)[1] Two (2) latest 1×1 ID pictures At least two valid IDs or a photocopy of your NSO Birth Certificate After reviewing your…

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How to Get PWD ID: Benefits and Application Guide

Been putting off your PWD ID application? Get one as soon as you can. Whether your medical condition is visible or not, you’ll benefit a lot from having a PWD ID. It’s your proof of your entitlement as a PWD, so you can get discounts that can greatly help in easing your medical expenses and other types of purchases. Table of ContentsWhat is PWD ID?What is the validity of the PWD Card?Who can get a PWD ID?PWD List of DisabilitiesPWD Discount and Other Benefits1. 20% Discount and Value Added Tax (VAT) Exemption2. 5% Discount on Basic Necessities and Prime Commodities3. Mandatory Coverage Under SSS/GSIS, PhilHealth, and Pag-IBIG4. Educational Assistance5. Express Lanes for PWDs6. City-Specific PWD BenefitsHow to Get PWD ID Card1. Prepare the PWD ID Requirements2. File Your PWD ID ApplicationFinal Thoughts What is PWD ID? The PWD ID is the standard identification card for persons with disability (PWDs) in the Philippines. It can be used to avail of PWD discounts and other benefits as mandated by the law. What is the validity of the PWD Card? This ID card is valid for three years and free of charge when issued for the first time. There’s a minimal fee for PWD ID renewal due to expiration, damage, or loss of card. Who can get a PWD ID? Any Filipino with a permanent disability can apply for a PWD ID. Republic Act 10754[1] defines persons with disability as those with “long-term physical, mental, intellectual, or sensory impairments” that interfere with their interactions in society. PWD List of Disabilities The Department of…

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SSS Online Registration: A Simple Step-by-Step Guide

Are you a Philippine Social Security System (SSS) member but don’t have a My.SSS account yet? Better do it now to reap the benefits of online service facility. Know all about My.SSS and the steps to complete your SSS online registration in this quick guide. Table of ContentsWhat is a My.SSS account?Why Register?What You Can Do with a My.SSS Account1. Check and Update Your SSS Membership Information2. Check Your SSS Contributions3. Access SSS Online Services4. Generate Your Payment Reference Number5. Get SSS Contact DetailsWho Can Register for an Online Account?How to Register OnlineStep 1: Go to the SSS online registration pageStep 2: Fill out the required information in the SSS online formStep 3: Check your email after 30 minutesStep 4: Activate your My.SSS accountHow can I retrieve/change my SSS password online?What is CRN in SSS?Is the CRN same with my SSS Number?How do I get my SSS number?1. Call the SSS Hotline2. Check Online via My.SSS3. Email the SSS Helpdesk4. Visit the nearest SSS branchFinal Thoughts What is a My.SSS account? My.SSS or SSS Portal is an easy-to-use online service platform of the SSS website that enables registered SSS members to conveniently and safely access their social security records online[1]. To use this facility, all you need is a smartphone, tablet, laptop, or computer that’s connected to the internet. That means you can do transactions with the SSS Portal anytime and anywhere without the hassle of going to a branch and standing in long lines. Why Register? It’s mainly for your convenience. Completing your SSS online registration can save you a…

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Pag-IBIG Acquired Assets: Homebuyer’s Guide to Availing Foreclosed Properties

Pag-IBIG acquired assets are ideal for both low-income earners who want to own an affordable home and real estate investors who want to maximize their returns. Interested in buying an acquired asset from Pag-IBIG? Here’s everything you need to know about Pag-IBIG Fund acquired assets to make an informed buying decision. Table of ContentsWhat are Pag-IBIG Acquired Assets?Should I Buy an Acquired Asset from Pag-IBIG?How to Find the List of Pag-IBIG Foreclosed Properties for SaleHow to View the List of Acquired Assets Under Negotiated SaleHow to View the List of Acquired Assets for AuctionHow to Bid for Pag-IBIG Foreclosed Properties1. Prepare the Bidding Requirements2. Check for Any Erratum Posting on the Pag-IBIG Website3. Attend the Scheduled BiddingHow to Buy Pag-IBIG Acquired Assets Under Negotiated Sale1. Reserve the Foreclosed Property2. Submit the Requirements for Purchase (For Housing Loan Only)3. Receive the Notice of Approval of Loan4. Sign and Submit Mortgage Documents5. Make Your PaymentTips on Buying Foreclosed Properties in Pag-IBIG1. Inspect the Property First2. Be Personally Present During Reservation3. Transact with Pag-IBIG Employees Only4. Avoid Occupied PropertiesFinal Thoughts What are Pag-IBIG Acquired Assets? A Pag-IBIG acquired asset is a property that’s foreclosed because the original owner who availed of Pag-IBIG housing loan failed to pay the monthly amortizations. The Pag-IBIG Fund normally gives delinquent borrowers a chance to buy back their foreclosed property when they default on their payments. It also offers this buy-back option to tenants who occupy and rent the foreclosed properties. If the buy-back option doesn’t work out, Pag-IBIG offers the foreclosed property to new buyers at a…

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OWWA Benefits Guide: 8 Ways to Maximize Your OWWA Membership

As an OFW, it’s reassuring to know that help will be on its way when you need it, like when you’re having employment-related problems and concerns while working abroad. That’s what the Overseas Workers Welfare Administration (OWWA) is for. This government agency is mandated to develop and implement programs that protect your rights as an OFW. If you become an OWWA member, you can avail of different forms of financial assistance and other OWWA benefits before, during, and after your overseas employment. Here’s a comprehensive guide to help you make the most of your OWWA membership. Table of ContentsOWWA Benefits for OFWs1. OWWA Loan for OFW2. OWWA Rebate Program3. OWWA Welfare Assistance Program4. OWWA Medical Assistance5. OWWA Disability Benefits6. OWWA Death Benefits7. OWWA Education and Training Programs8. OWWA Benefits for Ex OFWOWWA Membership FAQs1. What is OWWA?2. How to become an OWWA member?3. How many years is OWWA membership valid?4. How much is the OWWA membership fee? 5. Where to pay OWWA membership fee?Final Thoughts OWWA Benefits for OFWs 1. OWWA Loan for OFW What is OWWA OFW Loan? The OWWA loan for OFW members, officially called the Overseas Filipino Workers – Enterprise Development and Loan Program (OFW-EDLP), is a business loan that allows OFWs and their families to borrow money at a low interest rate for starting a business. Part of OWWA’s reintegration program, the OWWA loan is provided to balik manggagawa or returning OFWs and those currently working abroad. OWWA Loan Features Loan purpose: Working capital (for financing day-to-day operations) and fixed asset acquisition (for funding production or…

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NBI Clearance Online Application: A Simple Step-by-Step Guide

The NBI clearance application used to be a tedious and time-consuming process. Remember how you endured long lines and spent almost an entire day to get that all-important piece of paper? The experience would get worse if you had a hit, which meant you’d have to bear the agony of waiting and the hassle of returning to finally pick up your clearance. But thankfully, you no longer have to endure all these. The NBI has gone digital and has improved the process of how to apply for NBI clearance in the Philippines. You just need a desktop or mobile device and an internet connection to do your NBI online registration in the comforts of your home. Save time and ensure successful processing of your clearance with the help of this NBI Clearance online application guide. Table of ContentsRequirementsHow to Apply for NBI Clearance OnlineStep 1: Online Account RegistrationStep 2: NBI Clearance Online AppointmentStep 3: Pay Your NBI Clearance FeesStep 4: Application ProcessingFAQs about NBI ClearanceWhat’s the NBI Clearance validity?How long does the NBI clearance process take?What if I don’t make it to my NBI appointment schedule?Can I get a clearance without an NBI appointment application?Final Thoughts Requirements You only need two government-issued IDs when applying for an NBI clearance online. Any of the following valid IDs will do: Passport PRC card UMID PSA-issued birth certificate Voter’s ID PhilHealth ID TIN ID Driver’s license Old copy of NBI Clearance Postal ID School ID Alien Certificate of Registration Senior Citizen ID Police clearance However, make sure to only provide valid IDs that…

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Complete PhilHealth Online Registration Guide for New Members

The first step to getting universal health insurance coverage in the Philippines is to become a PhilHealth member. This involves going through a membership registration process on-site, which means going to a PhilHealth office, accomplishing forms, submitting the requirements, and being issued a PhilHealth number. In the new normal, that manual registration method might just slowly become a thing of the past. PhilHealth has made membership enrollment simpler through its PhilHealth online registration facility. Now, you can just complete the process over the internet while staying at home. No lines, no hassle, no contact with other people. Want to register as a new member? Here’s what new members need to know. Table of ContentsWhat is PhilHealth Online Registration?Who Should Enroll as a New Member?Why Should I Register as a PhilHealth Member?PhilHealth Benefits for MembersPhilHealth Online Registration RequirementsHow to Register in PhilHealth OnlineApplication ProcedureFAQs1. The site is down. What should I do?2. What is PhilHealth number?3. How to know my PhilHealth number online?4. How can I get my PhilHealth number through text?5. How can I get my PhilHealth MDR form online?Final Thoughts What is PhilHealth Online Registration? The e-Registration and Amendment System (eRAS) is a PhilHealth online registration facility under the My PhilHealth Portal that enables Filipinos and foreign residents in the Philippines to enroll in the National Health Insurance Program. PhilHealth’s electronic registration system is an easier alternative to the manual membership enrollment, eliminating the need to line up at a PhilHealth office. Online registration is very convenient, especially for those who live far from the closes PhilHealth branch and…

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How to Check Your SSS, Pag-IBIG, and PhilHealth Government Contributions

Is your employer remitting the SSS, Pag-IBIG, and PhilHealth government contributions being deducted from your salary? If your answer is “I don’t know” or “I’m not sure” then it’s time to start monitoring your government contributions You need to confirm if your company is up to date in remitting the correct amount of your premium payments to SSS, Pag-IBIG, and PhilHealth. These government agencies require all employers in the Philippines to remit their employees’ contribution payments every month or quarter. However, some employers don’t remit their workers’ government contributions[1]. Even if payroll deductions are reflected on your monthly payslip, they aren’t an assurance that your employer actually pays your contributions. Check your SSS, PhilHealth, and Pag-IBIG contributions regularly. Yours should be up-to-date and remitted correctly, so you can qualify for housing and salary loans from SSS or Pag-IBIG anytime you need to borrow money for your short-term needs. This will also prevent delays in your benefit and loan processing. Table of ContentsHow to Check PhilHealth Contribution1. How to check it online2. Making an inquiry via the Interactive Voice Response SystemHow to Check SSS Contribution1. How to check it online2. SMS via the Text-SSS facility3. Personal inquiry at the SSS officeHow to Check Pag-IBIG Contribution1. How to check it online2. Via the Pag-IBIG Fund hotlineFinal Thoughts How to Check PhilHealth Contribution 1. How to check it online To access PhilHealth’s Member Inquiry facility, you have to register for an online member account first. Simply go to the online account registration form, enter your basic information (including your PhilHealth number), answer the security questions, type the security code, and…

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How to Get Police Clearance Online: A Simple Guide for Filipinos

Need a police clearance for local employment? The Philippine National Police (PNP) has recently implemented a new and faster way for Filipinos to secure this document, which is through an online application. Keep reading to know how to get police clearance online in the Philippines without any hassle. Table of ContentsWhat is Police Clearance?How Long is the Validity of a Police Clearance?Police Clearance RequirementsHow to Get Police Clearance Online1. Register for an Account via the National Police Clearance System2. Set an Online Appointment3. Pay For the Police Clearance Fee4. Go to Your Selected Police StationHow to Renew my Police Clearance?Final Thoughts What is Police Clearance? The National Police Clearance is a document proving that the holder has no criminal or derogatory record based on the PNP database. The police clearance is usually one of the pre-employment requirements that job candidates must submit to their employer. It’s also accepted as a valid ID in some transactions, such as NBI clearance and credit card applications. However, the police clearance is not honored as a valid ID for COMELEC voter’s registration and DFA passport application/renewal. Read more: NBI Clearance Online Application: Simple Step-by-Step Guide How Long is the Validity of a Police Clearance? The validity of police clearance is six months. Each clearance bears a unique QR code that ensures its authenticity. Police Clearance Requirements The PNP requires two valid IDs for police clearance online application. Valid IDs should meet the following criteria: Not expired Original (not photocopied) Has the applicant’s complete name, clear photo, and signature Any two of the following IDs…

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How to Get Your TIN in the Philippines: Requirements, Steps, and Fees to Know

A TIN is one of the most crucial numbers you’ll ever have in your life. It can be as important as your cellphone number, so much so that you might have to memorize it as well because you’ll be asked to write down your TIN in countless forms and documents. Have you ever been issued a TIN before? If not, then here’s your guide on how to get TIN number in the Philippines. Table of ContentsWhat is TIN?Who is Required to Secure a TIN?How to Get TIN Number in the PhilippinesTIN Number Application for Self-Employed and Mixed-Income IndividualsTIN Number Application for EmployeesTIN Number Application for Corporations and PartnershipsTIN Number Application for OFWs and Unemployed FilipinosTIN Registration FAQs1. How many digits are there in a TIN number?2. How to get TIN number online?3. Should I get a new TIN when starting a business or a new job?4. I have 2 TIN numbers. What should I do?5. Should I register my business with the BIR every year?Final Thoughts What is TIN? A Tax Identification Number or TIN is a unique and permanent number issued by the Bureau of Internal Revenue (BIR) to an individual or organization to ensure that they pay correct taxes on time. It’s used for properly identifying the taxpayer when filing tax returns and tracking tax obligations and payments. The TIN is like an SSS number, PhilHealth number, and Pag-IBIG number in the sense that each of them is required in all transactions with the concerned government agency. This BIR-assigned number is also a requirement in other types of…

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Pag-IBIG Online Registration Guide: How to Get Your Pag-IBIG Number Online

For fresh college graduates and first-time employees, membership in the Pag-IBIG Fund (as well as PhilHealth and SSS) is like a rite of passage into adulthood. It marks your beginning as a full-fledged career professional. Consider yourself lucky because nowadays, most government transactions like the Pag-IBIG online registration can be done over the internet. No need to waste your precious time waiting in line just to register with a government agency. With Pag-IBIG online, it takes only a few minutes and several clicks to enroll as a member of the Pag-IBIG or Home Development Mutual Fund (HDMF). It’s a lot more convenient now compared to the manual registration that your parents and older siblings had to go through in the past. To make the process even easier for you, here’s a simple guide on how to apply for Pag-IBIG membership online. Table of ContentsWhat is Pag-IBIG Online Registration?Who Should Register for Pag-IBIG Membership?Mandated Pag-IBIG MembershipVoluntary Pag-IBIG MembershipPag-IBIG Membership BenefitsHow to Register Online in Pag-IBIGPag-IBIG Website Online Registration StepsPag-IBIG Online Registration FAQs1. What are the Pag-IBIG online application requirements?2. How to verify Pag-IBIG number?3. Does having a Pag-IBIG number mean I am already a member?4. How to create and log in to Pag-IBIG online account?5. How to update Pag-IBIG online membership?Final Thoughts What is Pag-IBIG Online Registration? Pag-IBIG online registration refers to the process of enrolling yourself as a Pag-IBIG Fund member. This involves submitting your information, generating your Member’s Data Form (MDF), and getting your Pag-IBIG Membership ID (MID) Number through the HDMF Online Registration System. Who Should Register for…

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