All Articles With Category : Government Services

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

How to Make Voluntary Contributions to Pag-IBIG, PhilHealth, and SSS

Did you resign from your job to become a full-time freelancer, OFW, or a business owner? Paying your Pag-IBIG, PhilHealth, and SSS contributions is no longer your former employer’s responsibility—you have to do voluntary contribution from now on. It’s important to continue your contribution payments with these government offices as a voluntary member. You can avail of a personal loan or housing loan, benefits (such as sickness, maternity, and retirement benefits), and health insurance—only if you meet the required minimum number of contributions. Here are the things you need to do if you’re planning to continue your voluntary contribution to Pag-IBIG, PhilHealth, and SSS. Table of ContentsHow to Update Your Membership Records for Voluntary ContributionHow to Change Your Pag-IBIG Membership InformationHow to Update Your PhilHealth Member Data RecordHow to Change Your SSS Membership TypeHow Much is My Voluntary Contribution?Pag-IBIG Voluntary Contribution RatesSSS Voluntary Contribution RatesWhere to Pay Your Pag-IBIG, PhilHealth, and SSS ContributionsPag-IBIG Voluntary Contribution Payment Facilities PhilHealth Voluntary Contribution Payment FacilitiesSSS Voluntary Contribution Payment FacilitiesDifferent Ways to Pay Your Voluntary Contributions OnlineHow to Pay PhilHealth Online 2021How to Pay Pag-IBIG Online 2021How to Pay SSS Online 2021When to Pay Your Voluntary ContributionPag-IBIG Voluntary Contribution Payment DeadlinesPhilHealth Voluntary Contribution Payment DeadlinesSSS Voluntary Contribution Payment DeadlinesFinal Thoughts How to Update Your Membership Records for Voluntary Contribution Before you can start remitting your voluntary contribution, you need to update your membership status with Pag-IBIG, PhilHealth, and SSS from employed to self-employed or OFW. It involves going to each of the government agency’s branch and filling out a form. You may be also required…

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DTI Loans for Small Business: How to Apply for P3 CARES 2 Program

Since the implementation of community quarantines, small businesses continue to be affected by business closures, shortened operating hours, reduced workforce, and continuous expenses. All these business challenges have resulted in unstable cash flow and income losses.  Because of this, many businesses have implemented adaptive business measures, like implementing work-from-home arrangements, using online platforms for all transactions, reducing costs, and diversifying products and services. Aside from these, the government continues to provide financial assistance to help small businesses recover from the adverse impact of the pandemic.  The Department of Trade and Industry’s P3 CARES Program offers collateral-free and interest-free loans to micro, small, and medium enterprises (MSMEs) in the Philippines. Find out how these DTI loans for small businesses work and how you can avail of them.    Table of ContentsDTI Loans for Small Business in the PhilippinesDTI P3 ProgramCARES ProgramHow to Apply for the DTI P3 CARES 2 ProgramDTI P3 CARES 2 Loan Online Application StepsAccredited Financial Institutions for DTI P3 and CARES 2 ProgramsFinal ThoughtsApply for a Personal Loan for Your Business Needs DTI Loans for Small Business in the Philippines The Department of Trade and Industry (DTI) and Small Business Corp. (SBC) launched the COVID-19 Assistance to Restart Enterprises (CARES) Program. The SBC CARES Program helps entrepreneurs get back on their feet. CARES offers DTI loans of up to PHP 500,000 and is part DTI’s Pondo sa Pagbabago at Pag-Asenso, also known as P3 Program, first launched in 2017. The P3 and CARES programs are quite similar. However, CARES Program specifically accommodates entrepreneurs whose businesses were affected by the…

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Affected by the Pandemic? Get Help Through COVID-19 Government Assistance Programs

Infected or not, Filipinos are grappling with the impact of the COVID-19 pandemic in one way or another. The public health crisis has disrupted the lives of many. From simple inconveniences like getting stuck in one’s home to more serious problems like the increased risk of COVID-19 infection and loss of income, every day has been a challenge for most. To help Filipinos recover from the loss of economic opportunities due to the pandemic, the government continues to provide unemployment benefits, financial aid, and other forms of assistance. We compiled them into one place so you know which ones you can avail and benefit from. Table of ContentsCOVID-19 Government Assistance in the PhilippinesFree Medical ConsultationPhilHealth Coverage for COVID-19 PatientsCOVID-19 Emergency Financial Assistance from the GovernmentUp to P4,000 Cash Aid for Low-Income FamiliesSSS Salary LoanSSS Calamity LoanGSIS Calamity LoanPag-IBIG Multi-Purpose and Calamity LoansUnemployment Benefits for Affected WorkersSSS Unemployment BenefitDOLE CAMP: P5,000 Cash Aid for Local WorkersTemporary Jobs for Informal WorkersCash Aid and Repatriation for OFWsFinal ThoughtsGet a Personal Loan for Your Urgent Cash Needs COVID-19 Government Assistance in the Philippines Free Medical Consultation Do you or any family member have possible COVID-19 symptoms? Call any of the following DOH COVID-19 emergency hotlines[1] to ask about your condition: DOH COVID-19 Hotline: (02) 8 952-6843 For PLDT, Smart, Sun, and TNT subscribers: 1555 This free service is available 24/7 for questions from people who suspect they might be infected with COVID-19. Through this emergency hotline, DOH also accommodates requests from those with symptoms and/or known exposure to positive cases and/or patients under investigation…

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COMELEC Registration 2021: How to Register as a Voter

Many aren’t aware that voter’s registration for the May 2022 elections is still ongoing. It may be challenging to register as a voter with the pandemic and community quarantines but we can’t stress this enough: Don’t forget to fulfill your duty as a Filipino citizen. Voter’s registration is the first step to exercising your right to vote for the next leaders who will shape our country’s economy, international relations, public health, and other critical national policies. If you wish to vote in the upcoming elections, know the requirements for voter’s registration in the Philippines, as well as the COMELEC requirements for new voters. #MagpaRehistroKa na! Here’s a quick guide to walk you through COMELEC registration 2021. Table of ContentsWhat is Voter’s Registration?Who Can Register as a Voter in the Philippines?When is the COMELEC Registration?Until When is Voter’s Registration 2021?COMELEC Registration Schedule 2021How to Register in COMELEC 1. Prepare the Requirements for COMELEC Registration2. Download and Accomplish the Voter’s Registration FormCOMELEC Registration Form Guidelines3. Book an Appointment with Your Local COMELEC Office4. Know the COVID-19 Safety Protocols in COMELEC OfficesCOMELEC Registration 2021: How to Register as a Voter1. Go to the Local COMELEC Office2. Present the Requirements for COMELEC Registration3. Have Your Biometrics Captured4. Receive Your Acknowledgment ReceiptCOMELEC Registration 2021 for Overseas VotersCOMELEC Registration Schedule and Venue for Overseas FilipinosCOMELEC Registration Steps for Overseas FilipinosVoter’s Registration 2021 FAQs1. Do we have a COMELEC online registration?2. What is the COMELEC iRehistro for?3. How often should I register as a voter?4. What is COMELEC satellite registration?5. How to verify my COMELEC registration status?6. How…

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BIR Online Payment Guide: Easy Ways to Pay Taxes in the Philippines

If you’ve been paying your taxes manually, you know how inconvenient it could be—not to mention that it’s risky because of the serious threat of COVID-19. This makes the BIR online tax payment a much better alternative to manual payment. Rather than line up at the bank or a BIR Revenue District Office (RDO), you can just stay at home and pay your taxes using your bank account, credit or debit card, or mobile wallet. The BIR revealed that in 2020, it collected more than PHP 1.6 trillion worth of taxes via electronic payment channels. That was 86% of the agency’s total collection worth PHP 1.94 trillion. This only shows that a lot of Filipinos have preferred online payment over personal interaction at the bank or bills payment center during the pandemic.[1] Pay your taxes online to take advantage of its many benefits. Get started with this BIR online payment guide. Table of ContentsWhy Should You Pay Your Taxes Online?SafetyConvenienceMeeting the Tax Payment DeadlineFocusing on Your Business OperationsBIR Online Payment Channels1. Online Banking Channels2. LANDBANK Link.BizPortal3. DBP Pay Tax Online4. UnionBank online banking and mobile app5. GCash app6. PayMaya app7. Moneygment app8. Central Business PortalHow to Pay Tax Online Through eFPSBIR Online Tax Payment Steps for eBIRForms FilersHow to Pay BIR via LANDBANK / PESONetHow to Pay BIR Using DBP Pay Tax OnlineHow to Pay BIR via UnionBankHow to Pay BIR Using GCash AppHow to Pay BIR Using PayMaya AppHow to Pay BIR Using Moneygment AppSome Tips for Paying Your Taxes Online Safely1. Install Security Software2. Use a VPN3. Strengthen Your Passwords4….

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How to Get a TIN ID in the Philippines: A Complete Guide

Being a taxpayer means understanding the importance of contributing a portion of your earnings for the betterment of the country. As proof that you’re a taxpayer and a responsible member of society, you can request a Tax Identification Number (TIN) ID from your nearest Bureau of Internal Revenue (BIR) branch. But how to get a TIN ID, you ask? It’s not as difficult as you think. Sure, the process can get tricky with all the forms you need to keep track of. Not to mention the TIN card itself isn’t as necessary as other government IDs.  But if you need a valid ID that you can easily get within a day, then this ID is a must-have. Here are the steps on how to get your TIN ID. Table of ContentsGeneral TIN ID RequirementsWhere to Get TIN ID How to Get TIN ID for New EmployeesHow to Get TIN ID for UnemployedHow to Get TIN ID for Existing TaxpayersHow to Replace Lost TIN IDLost TIN ID RequirementsSteps to Replace Lost or Damaged TIN IDHow to Verify Your TIN Number OnlineWhat is the TIN Verifier App? TIN Verifier App Pros:TIN Verifier App Cons:How to Install the TIN Verifier Mobile AppFinal Thoughts General TIN ID Requirements Before we proceed to the steps on how to get a TIN ID, you need to prepare the following TIN ID requirements,[1] especially if it’s your first time to register as a taxpayer. Note that the TIN ID application is free. Accomplished BIR registration form[2] (either 1902 or 1904) One valid ID PSA-issued birth certificate Community Tax Certificate…

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SSS Pension Computation: How Much Will You Receive When You Retire?

It’s better to just set things straight away: the pension you’ll receive from the SSS won’t be enough to fund your retirement plan. As early as now, invest in a retirement savings plan to provide for your future self to live comfortably beyond 60 years. Having said that, you should learn how to compute your SSS pension since it will become a consistent source of income when you’re past your prime. The amount you’ll receive may not be ideal for an extravagant lifestyle, but it’s better than not having any pension at all. As per Republic Act 11199 or the Social Security Act of 2018, SSS monthly premiums increase by 1% every other year until 2025. However, the Senate has recently approved Senate Bill 2027 that seeks to authorize the President to hold off the SSS contribution hike for a limited period of six months. The deferment could be extended for a further six months.[1] How will this contribution hike affect your SSS pension in the future? If you want to know how to compute your retirement pay from SSS, keep reading. Get your calculator ready and start planning the future with this helpful SSS pension computation guide. Table of ContentsHow to Compute Your SSS PensionManual SSS Pension ComputationOnline SSS Pension CalculatorWho is Qualified for SSS Retirement Benefits?How You Will Receive Your SSS PensionOther SSS Retirement Benefits in the PhilippinesSSS Pension Computation FAQs1. How many contributions should I have to receive an SSS pension?2. How to compute the SSS pension of voluntary members? 3. How to compute for the AMSC in…

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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. 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. Common Driving Violations and Penalties These violations are among the most committed by experienced and newbie drivers in general. They involve disregarding driving laws, traffic signs, and traffic rules that endanger the safety of the driver, passengers, and other motorists on the road. Take note of the MMDA violation and penalty fee table below. Keep in mind that…

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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 this 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 Do You Need An SSS Portal Registration?What You Can Do on the My.SSS Service Portal1. 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 branchLearn About Your SSS Benefits for Free with ExSSSeLFinal 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….

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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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