Handy Guide to Pag-IBIG Calamity Loan Online Application

The Philippines’ geographic location makes it vulnerable to natural calamities like volcanic eruptions, storm surges, flooding, landslides, and drought. This exposes Filipinos in any part of the country to tragic incidents and severe distress and losses. Those who are affected by these calamities are eligible for different forms of assistance, including monetary aid or ayuda from the government, Pag-IBIG calamity loan from the Pag-IBIG Fund, SSS loan, and other relief operations. In this article, we’re going to discuss the financial aid for members of the Home Development Mutual Fund or more popularly known as the Pag-IBIG Fund. The government agency offers cash assistance to calamity-stricken members through the Pag-IBIG calamity loan. Learn all about this loan program, its deadline, interest rates, and steps to applying online in this guide. Table of ContentsWhat is the Pag-IBIG Calamity Loan?What is a State of Calamity?Who Can Avail of a Pag-IBIG Calamity Loan?Pag-IBIG Calamity Loan RequirementsHow Much is the Pag-IBIG Calamity Loan Amount?How to Apply for a Pag-IBIG Calamity Loan in the PhilippinesPag-IBIG Calamity Loan Application Through a RepresentativeCalamity Loan Application at a Pag-IBIG Branch During QuarantinePag-IBIG Calamity Loan Online ApplicationPag-IBIG Calamity Loan FAQs1. What are the interest rate and fees?2. Why do I need my employer’s certification or signature on the loan application form?3. Do I need a payslip for the calamity loan application?4. When is the Pag-IBIG calamity loan application deadline in 2021?5. Which email address should I use to send my application?6. How long is the Pag-IBIG calamity loan processing time?7. How do I know if my calamity loan application is…

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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 easily 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. More importantly, Filipinos should know and have their PhilHealth Identification Number (PIN) ready, as it is now a requirement prior to receiving the COVID-19 vaccine.[1] It will also be required to claim benefits should you get sick with COVID-19 or if you experience adverse reactions from the COVID-19 vaccine. Thus, it’s important to know how to get PhilHealth ID number. 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 Employed and Voluntary MembersHow to Get PhilHealth ID for Senior CitizensPhilHealth ID and 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…

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How to Get a Community Tax Certificate in the Philippines

Filipinos began using the cedula in the 19th century during the Spanish regime. Perhaps the most notable thing we can remember about it now is how the Katipuneros, led by Andres Bonifacio, tore their cedulas, signifying their protest against Spanish colonial rule.[1] But despite the measures filed by some politicians to abolish the use of the cedula or the community tax certificate,[2] it’s still considered a valid form of identification in the Philippines. A cedula can help facilitate your transactions with the government and other private organizations. Learn how to get a cedula in this short guide.  Table of ContentsWhat is a Cedula? Why is a Cedula Important?Where Can You Get a Cedula?What Do You Need  a Cedula For?Who Can Get a Cedula?What are the Community Tax Certificate Requirements?Cedula Requirements for IndividualsCedula Requirements for Business OwnersCedula Requirements for Authorized RepresentativesHow Much is the Cedula Fee? How to Get a CedulaHow to Get Cedula OnlineWhen is the Cedula Expiration? Final Thoughts What is a Cedula?  A cedula is a document issued to Filipinos upon payment of a residence tax. At present, the cedula is one of the basic requirements for most government transactions. It can also serve as valid identification for individuals and corporations residing or located in the same municipality where it is acquired.  Why is a Cedula Important? The cedula’s importance dates back to the Spanish era when all residents 18 years old and above were required to present it as identification and proof of tax payment.  Based on Article 6 of the Local Government Code of 1991,[3] cities and municipalities are empowered…

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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?How to Verify Police Clearance Online 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 applications for National ID, NBI clearance, and credit cards. However, the police clearance is not honored as a valid ID for COMELEC voter’s registration and DFA passport application/renewal. Read more: National ID System in the Philippines: The Good and the Bad NBI Clearance Online Application: Simple Step-by-Step Guide NBI Renewal Guide: How to Renew Your NBI Clearance in 2021 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 Which requirements are needed for police clearance…

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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. View Your PhilHealth Contributions Online2. Make an Inquiry via the PhilHealth Action Center HotlineHow to Check SSS Contribution1. View Your SSS Contributions Online2. Send an SMS via the Text-SSS facility3. Inquire at the SSS officeHow to Check Pag-IBIG Contribution1. Send an Inquiry via Email or Facebook2. Call the Pag-IBIG Fund hotline3. View Your Pag-IBIG Contributions Online via Virtual Pag-IBIGFinal Thoughts How to Check PhilHealth Contribution There are two ways to verify your posted PhilHealth contributions. Either you check the PhilHealth website or call the agency’s hotline. 1. View Your PhilHealth Contributions Online To access PhilHealth’s Member Inquiry facility, you have…

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Complete PSA Online Application Guide: How to Easily Get a CENOMAR or Birth, Marriage, or Death Certificate

Too busy to apply for a birth, marriage, or death certificate at a PSA Serbilis Center? A convenient alternative to a walk-in application is using the PSA online application service. This is also a safer option compared to going outside to process your PSA online application. Through PSA online application, you can skip the long lines and stressful commutes. Applying and paying for civil registry documents from the Philippine Statistics Authority or PSA (formerly National Statistics Office or NSO) can be done over the internet. Your requested certificates will be delivered to your home or office after several days. Even if you’re based abroad, you can still request documents via PSA or NSO online and have them delivered to your preferred address. Save yourself the trip and keep safe from COVID-19 by getting your PSA certificate online either through PSA Serbilis and PSAHelpline.ph. Here’s a quick walk-through of each PSA online process. Table of ContentsPSA Online Application via PSA SerbilisWhat is PSA Serbilis?How to Get a Birth, Marriage, or Death Certificate or CENOMAR Online via PSA SerbilisHow Much are the PSA Online Services for PSA Serbilis?PSA Payment Options for PSA SerbilisHow Many Days Does PSA Serbilis Take to Deliver Documents?PSA Serbilis Delivery TimeframePSA Serbilis Accredited CouriersHow to Check the Status of My PSA Serbilis Online Request?PSA Online Application via PSAHelpline.phWhat is PSAHelpline.ph?How to Get a Birth, Marriage, or Death Certificate or CENOMAR Online via PSA HelplineHow Much are the PSA Online Services for PSAHelpline?PSA Payment Options for PSA HelplineHow Many Days Does PSA Helpline Take to Deliver Documents?How to Check…

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Is My License Plate Available? LTO Plate Number Updates You Should Know

One of the most common problems of vehicle owners in the Philippines is acquiring their LTO plate number. These plates serve as proof of legitimacy and as a vehicle’s identifier in terms of registration, road violations, and compliance with government laws.  Although most car owners of newly registered cars in 2020 and 2021 were able to secure the plates within one month after registration, many are still waiting for their LTO plate number release.  Curious to know when new plate numbers in the Philippines will be released this 2021? It looks like a long wait ahead. Just recently, the Land Transportation Office (LTO) said it’s looking for help from outside the agency to produce 18 million plates.[1] This number comprises the plate numbers for motorcycles and cars that have not been released since 2013. According to the LTO, processing the backlog will take around 40 months, or more than three years, if they don’t get help from third-party suppliers.  Table of ContentsWhy Do You Need an LTO Plate Number?The LTO Plate Number Delay TimelineLTO’s Efforts to Reduce License Plate Release BacklogsLTO License Plate Rules and Updates Every Motorist Should Know1. You Can Verify Your License Plate Availability2. Your Temporary License Plate Should Follow LTO Official Specs3. There’s a Law for Preventing Motorcycle CrimesAdditional LTO License Plate Reminders1. You Still Can’t Apply for a Vanity Plate Yet2. Driving Without a License Plate Can Get You in Trouble3. Your License Plate Number is Permanent4. Beware of FixersFinal Thoughts Why Do You Need an LTO Plate Number? You might be wondering why there’s…

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The Complete Guide to Claiming Your Pag-IBIG Contributions

You’ve diligently paid your Pag-IBIG contributions throughout your entire career. You’re probably wondering where your contributions went and whether you’ve already contributed enough. Most importantly, you’re also probably very eager to know how to withdraw Pag-IBIG contribution.  This detailed Moneymax guide will teach you how to claim your money from the Pag-IBIG Fund and what you need to start the claims process. Table of ContentsWhat is Pag-IBIG Provident Benefits Claim?How and When Can I Withdraw my Pag-IBIG Contributions?1. Optional Withdrawal 2. Membership Maturity3. Retirement4. Permanent Total Disability or Insanity5. Separation from Service due to Health Reasons6. Permanent Departure from the Philippines7. DeathWho May File a Pag-IBIG Provident Claim Application?How Much Provident Benefit Fund Can I Claim?How to Withdraw Pag-IBIG Contribution 5 Steps to Claim Your Contribution at Pag-IBIG OfficeHow to Apply for Pag-IBIG Provident Benefits Claim During the PandemicSteps to Claim Pag-IBIG Contribution Online How Long Does Pag-IBIG Provident Claim Processing Take?How Will the Provident Benefits be Paid?Tips to Ensure Fast Provident Claim Processing and ApprovalFinal Thoughts What is Pag-IBIG Provident Benefits Claim? The Pag-IBIG Provident Benefits Claim is a privilege granted to members who have met the eligibility requirements to withdraw their full contribution amount plus interests earned over the years. In short, this Pag-IBIG benefit is every member’s reward for contributing to the Fund.  The Pag-IBIG Provident Benefits is part of the Fund’s Savings Program composed of member contributions made through automatic salary deduction or voluntary contribution.  Employed or unemployed Pag-IBIG members who have fulfilled 180 to 240 contributions can withdraw their savings in compliance with the claim’s terms and conditions. …

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Postal ID Application in the Philippines: Everything You Need to Know

Got rejected for a bank or government service because you lack a valid ID? Don’t worry. There’s a quick and convenient way to get a valid ID: apply for a postal ID issued by Philippine Postal Corporation (PHLPost). The government has not yet started issuing the national identification card, and the COMELEC has stopped issuing new voter’s IDs to give way to the new national ID system. So for now, a postal ID application may be the only option you have to complete your requirements for any bank or government transaction. Here’s everything you need to know about postal ID application in the Philippines. Table of ContentsWhat is a Postal ID Used For?Is Postal ID a Valid ID?Who Can Apply for a Postal ID?Postal ID Application RequirementsPostal ID Application Requirements for FilipinosPostal ID Application Requirements for Foreign Residents in the PhilippinesHow to Apply for a Postal IDHow to Get a Postal ID OnlinePostal ID Application StepsRush Postal ID ProcessingHow Many Days Will It Take to Get a Postal ID?How Much is the Postal ID Fee?How Long is the Postal ID Validity?How to Renew a Postal IDHow to Avail of the Postal ID Privilege ProgramHow to Verify Your Postal ID Final Thoughts What is a Postal ID Used For? A postal ID card is the most widely accepted identification document in postal transactions all over the world, according to the Universal Postal Union. In the Philippines, the postal ID was originally issued to ensure correct delivery of letters and parcels. Postmen used the ID to verify a recipient’s identity and address. Is…

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Everything You Need to Know About the PhilSys National ID

Before the Philippine Identification System Act (Republic Act 11055)[1] was signed into law by President Duterte in 2018, the Philippines was just one of the few countries that didn’t have a national ID system in place. And while the country’s national ID system hasn’t fully materialized yet, the government has been persuading people to enroll since the registration is already open to the public. The National ID System or PhilSys is still in its infancy. But we can expect great things from it when it is successfully rolled out. If you’re planning to get one, let this article give you a quick walkthrough of the national ID registration process and some important things you should know. Table of ContentsWhat is PhilSys?What is a National ID?Is National ID Registration Mandatory?Who is Eligible for a PhilSys ID?Is There a Minimum Age Requirement for National ID Registration?PhilSys ID FeaturesPhilSys NumberPersonal Information Collected Under PhilSysBiometric Data Captured Under PhilSysSecurity FeaturesPhilSys ID ValidityPhilSys ID FeeBenefits and Uses of a National IDWhy Should You Get a PhilSys ID?What is the PhilID Used For?Is the National ID Available Now in the Philippines?National ID Registration Process: How to Get a National ID Card in the PhilippinesStep 1: Register OnlineStep 2: Proceed to Your Designated Registration CenterStep 3: Wait for the Delivery of Your National ID CardFinal Thoughts What is PhilSys? The Philippine Identification System (PhilSys), also called the national ID system, is the central identification platform of the government for all citizens and foreign residents in the Philippines. It’s established under the Philippine Identification System Act or Republic Act…

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A Complete Guide to PhilHealth Voluntary Membership Registration

As of June 16, 2021, the World Health Organization listed 5,389 new COVID-19 cases in the Philippines.[1] This number will keep on changing depending on how Filipinos are protecting themselves against the virus. Indeed, life is not certain. But if there’s one thing this pandemic has taught everyone, it’s the importance of having a health insurance plan.   PhilHealth is the government arm responsible for providing Filipinos with medical assistance and health benefits. For employed PhilHealth members, their company’s HR department handles the application requirements and process, as well as contribution payments. For the unemployed and members of the informal economy, application and membership contributions are done by the member under PhilHealth voluntary membership.  Table of ContentsWhat is PhilHealth Voluntary Membership?Who Can Apply as a PhilHealth Voluntary Member?Overseas Filipino Workers / Migrant WorkersInformal SectorSelf-Earning IndividualsDual CitizensNaturalized Filipino CitizensExpatriatesWho are PhilHealth Qualified Dependents of Voluntary Members?PhilHealth Voluntary Membership RequirementsHow to Register for Voluntary Membership in a PhilHealth OfficeHow to Register for PhilHealth Voluntary Membership OnlinePhilHealth Voluntary Membership for OFWsPhilHealth Voluntary Membership Payment SchedulesHow to Update Your PhilHealth Membership DataHow to Change Your PhilHealth Membership Category 5 Things to Remember When Applying for PhilHealth Voluntary MembershipFinal Thoughts What is PhilHealth Voluntary Membership? PhilHealth voluntary membership refers to the privilege extended to individuals who are not formally employed by a registered company or by an employer in the Philippines. Unlike employed individuals who get automatic membership, voluntary members register and pay for their contributions on their own.  Who Can Apply as a PhilHealth Voluntary Member? Any Filipino who doesn’t have a fixed employment term and…

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DTI Business Registration Guide for Entrepreneurs in the Philippines

What’s in a name? In a business, it means a lot. Your business name is your company’s branding, so it should catch attention and can be easily recalled. A business without a name is barely a business because it doesn’t have an identity that customers can remember. Moreover, two businesses with identical names can confuse potential customers and might put all marketing efforts to waste. Thus, the Department of Trade and Industry (DTI) encourages every entrepreneur to get a DTI Certificate of Registration. Aside from spending time coming up with a name for your new business, you also need to register it with the DTI, if you’re a sole proprietor. You can never imagine how having a unique business name duly registered and trademarked can create an impact on realizing your dream business. For instance, in March 2021, Prince Harry and Meghan Markle were in a dispute with a Filipino entrepreneur after discovering that a DTI registration application was submitted for the term Archewell Harvatera.[1] The application was opposed by Harry and Meghan’s Cobblestone Lane LLC. Table of ContentsWhat is a Business Name?How to Create a Business NameWhat is the Difference Between Business Name vs Trade Name?Why You Need to Register Your Business Name with DTIWhat is a Trademark and When Should You Apply for One?Who Can Apply for DTI Business Registration?Tips on Choosing Your Business NameDTI Business Registration RequirementsHow to Register Your Business Name with DTIDTI Online Registration ProcedureHow to Pay DTI Registration Fee OnlineWalk-in / Over-the-Counter Application for DTI RegistrationHow to Update Your Business Name InformationWhat Business Information…

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SSS Online Employer Registration: A Guide for Companies and Employers

As an entrepreneur, HR officer, or someone who employs household workers, you know how tedious it can be to transact with multiple government agencies. So many reports to process and submit, so little time. Good thing, the Social Security System (SSS) has an online facility that literally does away with the paperwork for busy employers in the Philippines. All you have to do is to go to their official website for an SSS online employer registration. Keep on reading to learn more about SSS’s online portal and how you can register as an employer. Table of ContentsWhat is My.SSS? Benefits of My.SSS for EmployersWhat is an SSS Employer ID Number and Why Do You Need One?What is the Difference Between Employer ID Number in SSS and CRN in UMID?How to Get SSS Employer ID Number for Household EmployersHow Can Employers Register with SSS?Why Do Employers Need to Register with SSS?What are the Requirements for SSS Employer Registration?What are the SSS Employer Online Registration Requirements?SSS Online Employer Registration StepsStep 1: Accomplish the online employer registration formStep 2: Verify your SSS online employer accountStep 3: Wait for a confirmation email from SSSUseful Tips on SSS Web Registration for EmployersSSS Online Employer Registration FAQs1. Is there a fee for the employer registration via My.SSS?2. Is My.SSS Secured? 3. What if I registered a user ID or email address that already exists?4. What should I do if my online registration fails?5. Will I receive proof of transactions made through My.SSS?6. Can I get a PRN and a Contribution Collection List online?7. What should I…

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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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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 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. Make Sure That…

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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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