All Articles With Category : Government Services

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

How to Apply for a Pag-IBIG Housing Loan

Many Filipinos long to have their own home. It may seem impossible, what with basic goods getting more and more expensive by the day. However, you can turn this dream into a reality with the help of the Home Development Mutual Fund (HDMF), commonly known as the Pag-IBIG Fund. Its main service, the Pag-IBIG Housing Loan, can be used for various purposes such as purchasing a house to making home improvements. Table of ContentsWhat is the Pag-IBIG Housing Loan?End-User Financing ProgramAffordable Housing ProgramWhere can I use the Pag-IBIG Housing Loan?Pag-IBIG Housing Loan EligibilityPag-IBIG Housing Loan Requirements for ApplicationPag-IBIG Housing Loan Interest Rates and Term PeriodsHow to Apply for a Pag-IBIG Housing Loan1. Complete the requirements2. Submit your HLA and pay the processing fee3. Wait for the Notice of Approval (NOA)4. Submit your NOA requirements5. Get your loan proceedsHow long does Pag-IBIG Housing Loan take until approval?How to Pay for Your Pag-IBIG Housing Loan5 Tips Before Applying for a Pag-IBIG Housing Loan1. Settle overdue Pag-IBIG loan payments2. Have a stable source of income3. Be realistic4. Get all your documents in orderTake care of your credit score5. Apply with a co-borrowerFinal Thoughts What is the Pag-IBIG Housing Loan? Established in 1978, the Home Development Mutual Fund or the Pag-IBIG Housing Fund[1], is a government-owned agency under the Human Settlements and Urban Development department. It manages the national savings program and offers affordable house financing for Filipinos. You can get a housing loan from Pag-IBIG as an alternative to mortgages offered by banks. Below are the two housing loan programs offered by Pag-IBIG: End-User Financing Program This is…

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What Is Virtual Pag-IBIG and How Do I Create an Account?

Did you know that you no longer need to visit a Pag-IBIG Fund office to apply for a loan or perform any other transaction with the agency? With the Virtual Pag-IBIG portal, it’s easy and quick to access the government agency’s services online in a matter of clicks while staying at home. You won’t have to wait in line for hours on end in a Pag-IBIG branch. Because the online service is available 24/7, you can use it even when Pag-IBIG offices are closed after office hours, on weekends, and on holidays. To enjoy such a convenience, the first step you need to take is to create a Virtual Pag-IBIG account. Here’s a simple guide to help you get started. Table of ContentsWhat is Virtual Pag-IBIG?Virtual Pag-IBIG ServicesServices You Can Access Without a Virtual Pag-IBIG AccountServices That Require a Virtual Pag-IBIG AccountAdditional Virtual Pag-IBIG ServicesVirtual Pag-IBIG Account RegistrationHow to Create a Virtual Pag-IBIG Account With Loyalty Card PlusHow to Create a Virtual Pag-IBIG Account Without Loyalty Card PlusHow to Create an OFW Virtual Pag-IBIG AccountFinal Thoughts What is Virtual Pag-IBIG? The Virtual Pag-IBIG[1] is an online facility that enables members to avail of Pag-IBIG Fund services over the internet. Launched in December 2019, the online portal was intended to make Pag-IBIG services more efficient and convenient. The Virtual Pag-IBIG, which is transaction-based, is different from the Pag-IBIG Fund’s corporate website[2] that is mainly informational. Using the system allows you to transact with Pag-IBIG anytime, anywhere using your laptop or smartphone without having to go to a branch. Virtual Pag-IBIG Services…

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OFW Repatriation Guide in the New Normal

Planning to come back home during the coronavirus pandemic? Brace yourself for an entirely different homecoming experience. OFW repatriation in the time of COVID-19 is a whole new ball game. No bunch of relatives excited for your return will pick you up at the airport. Instead, government frontliners in hazmat suits will welcome you upon arrival. Airport procedures on your arrival day will be longer and more complicated than before. You won’t be allowed to go home to your family until you complete the mandatory testing and quarantine for returning Filipinos. Much of the stress and anxiety stranded OFWs are having right now comes from not knowing what to expect when they get repatriated back to the Philippines. Here’s an OFW repatriation guide to help you manage your expectations, make your arrival more bearable, and return home safely. Read more: The New Normal Guidelines in the Philippines Table of ContentsOFW Repatriation Pre-Departure Checklist1. Request an OFW Repatriation Flight2. Book Your Quarantine Accommodation3. Register in the e-CIF System4. Register in OASISArrival Procedures for Returning OFWs1. Fill Out Different Forms2. Attend the Mandatory Quarantine Briefing3. Go Through Verification Procedures4. Get Swabbed5. Undergo Immigration Clearance6. Know Your Assigned OFW Quarantine FacilityOFW Quarantine GuidelinesQuarantine Protocols for Returning OFWsHow to Verify Your COVID-19 Test ResultsHow to Get a Quarantine CertificateHow to Get a Ride Back HomeHow Much Do COVID-19 Testing and Quarantine Cost for Returning OFWs?Final Thoughts OFW Repatriation Pre-Departure Checklist Before flying back to the Philippines, here’s what you must do to ensure your repatriation will go smoothly. 1. Request an OFW Repatriation Flight First…

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How to Use the LTO Online Portal: A Guide for Motorists in the Philippines

Need to file your driver’s license or car registration application or renewal? Why spend several hours at the LTO office (while exposing yourself to the risk of getting COVID-19) when you can just transact online? The Land Transportation Office (LTO) has recently launched an online portal for processing different transactions like license applications and renewal. This new LTO online system is part of the government agency’s transition to the new normal—which means people can transact at home over the internet and minimize physical contact at an LTO branch. To avoid running into problems while using the LTO online portal, familiarize yourself with the new system. Here’s everything you need to know about the agency’s online services. Table of ContentsWhat is LTO Online Portal?LTO Online Services Available through the LTMS PortalAdvantages of Using the LTMS Portal1. Faster LTO Transactions2. Safer Way to Process Your LTO Documents3. Increase Your Chance of Passing the Theoretical ExamAre LTO Online Services Available to All?LTO Offices That Process Online TransactionsLTO Online RegistrationLTO Online Driver’s License Application and RenewalHow to apply for a new driver’s license or renew your license via LTO onlineFinal ThoughtsGet a Free Car Insurance Quote! What is LTO Online Portal? The LTO online portal[1], officially called the Land Transportation Management System (LTMS), is a new web-based system that automates different transactions for motorists in the Philippines, including overseas Filipinos. LTO Online Services Available through the LTMS Portal These are the services currently available in the LTO web portal. Services may change over time. Application and renewal for all types of licenses (Note: LTO…

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Improve Your Skills With These TESDA Free Online Courses

Nowadays, the job market requires seekers to have more than a college degree. You need to bring something different to the table to have a shot at a coveted role. Thanks to technological advancements, you can now acquire additional skills online, helping you have a competitive edge. However, these online courses typically don’t come cheap. You don’t have to worry though! The Technical Education and Skills Development Authority’s (TESDA) online program lets Filipinos take online courses for free. Keep on reading to learn how to enroll in any of TESDA free online courses and what classes are available. Table of ContentsWhat is TESDA?TESDA Online ProgramBenefits Of Taking TESDA Free Online Courses How to Enroll in TESDA Free Online CoursesTESDA Online Courses RegistrationEnrolling to a TESDA Online ProgramList of TESDA Free Online Courses1. 21 Century Skills2. Appreciation Course on Flexible Learning3. Automative4. Electrical and Electronics5. Entrepreneurship6. Human Health / Health Care7. Heating, Ventilation, and Air Condition8. Information and Communications Technology9. Lifelong Learning Skills10. Maritime11. Performing Solid Waste Management in the Workplace12. Process Food and Beverages13. Social, Community Development, and Others14. Tourism15. TVETGetting Your TESDA CertificateFinal Thoughts What is TESDA? Established in 1994, TESDA is a government agency that manages and supervises technical education skills development in the Philippines. The agency’s goal is to develop the Filipino workforce with world-class competence and positive work values. TESDA also aims to provide quality technical-educational and skills development through its policies and programs. TESDA currently offers various programs and services to Filipinos who want to gain new skill sets. Some of these programs are the following: Technical-Vocational Education…

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PhilGEPS for Businesses: What Is it and How Do I Register?

An efficient way to broaden your business opportunities is by tapping government agencies as a potential clientele. These agencies hold many of the biggest project bids for goods and services in the country. Transacting with the government may require you to undergo various procedures and submit a lot of documents, but it can help grow your business in the long run. This is where PhilGEPS or the Philippine Government Electronic Procurement System[1] comes in. In this article, you will learn how government transactions can benefit your business and how you can bid on government contracts using PhilGEPS. Table of ContentsBenefits of Business to Government TransactionsWhat is PhilGEPS?PhilGEPS FeaturesPhilGEPS RegistrationPhilGEPS Membership Options1. Free2. PlatinumFinal Thoughts Benefits of Business to Government Transactions Business to Government transactions or B2G are transactions made between an enterprise and the government. B2G is the sale and marketing of goods and services to local, regional, and national agencies. It can be as simple as a small business providing catering services to a local government or a business as huge as a tech company providing cybersecurity to the national government. Below are the benefits of B2G: Creates a stable cash flow. B2G transactions may create a stable cash flow for you and your small business as most government contracts are long term. Additionally, they may lead to new clients and referrals, providing you more sources of income. Improves your network. Working with the government can open new doors for your business. It can help you build a relationship with other government entities and new clients. Strengthens your business’…

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How to Get a Driver’s License in the Philippines

As a new driver, there’s this indescribable mix of excitement and anxiety to take your car for a spin for the first time. But before you can drive, you’ll need a driver’s license. Driving without a valid license is illegal in the Philippines, and you will be fined PHP 3,000 for that violation. The process of license application in the Philippines can be quite confusing for first-timers. Check out this guide so that you know what to do and what to expect when you apply for a license. Read more: First Time Driver? Here’s How to Get the Right Car Insurance for You Table of ContentsWhat is a Driver’s License?Types of Driver’s License in the Philippines1. Student Permit2. Non-Professional Driver’s License3. Professional Driver’s LicenseDriver’s License ValidityHow to Get a Driver’s License in the Philippines1. Get a Student Permit2. Undergo a Medical Examination3. File Your Driver’s License Application OnlineHow to Renew Your Driver’s LicenseWho Can Apply for Driver’s License Renewal?Driver’s License Renewal RequirementsFinal Thoughts What is a Driver’s License? A driver’s license is an official document that authorizes the cardholder to drive a motor vehicle in the Philippines. This identification card also functions as a valid ID for various transactions in the government and private sectors. The Land Transportation Office (LTO), a frontline government agency under the Department of Transportation, issues driver’s licenses. The agency is responsible for driver licensing and motor vehicle registrations in the Philippines. Read More: Affidavit for Car Insurance Claim: Why You Need It and How to Get One Types of Driver’s License in the Philippines The…

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Quick Guide to Separation Pay in the Philippines

One of the most stressful experiences you may face in your professional life is being laid off due to unforeseen circumstances. A classic “it’s not you, it’s me” moment, losing your job can be confusing, especially now when the unemployment rate in the country has already soared to 45.5%[1] Read More: The New Normal Guide in the Philippines Upon receiving the bad news, you should know the details about the benefits you may receive from your employer. One of these benefits is separation pay. Keep on reading to know more about separation pay, whether you are qualified to receive it, and how to compute the amount you may get. Table of ContentsWhat is separation pay?With these causes, how can an employer justify my termination?Final Pay vs Separation PayWho is entitled to receive separation pay?And who are not entitled?How much is separation pay?How to compute separation payDetails you need to compute your separation pay:General formula for separation pay computation:How long should you wait before getting your separation pay?Final Thoughts What is separation pay? Separation pay is the amount of compensation you may get if your termination is due to authorized causes. According to the Labor Code of the Philippines, these causes are: Redundancy Retrenchment Closing or cessation of operation of the establishment Installation of labor-saving devices Employee is suffering from a disease and  continued employment is prohibited by law, prejudicial to his health, as well as the health of his co-employees With these causes, how can an employer justify my termination? Your employer should submit documents and undergo due process when terminating…

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Everything You Need to Know About the PhilSys National ID

The national ID system is in the news again, with calls for fast-tracking its implementation in the Philippines. Had the PhilSys been implemented sooner, delays in the distribution of government aid during the coronavirus pandemic could have been avoided, according to some senators and even the president[1]. As the government is seeing the importance of the PhilSys ID, so should you. Registration will open to the public in the last quarter of 2020. Before it starts, it’s good to be informed about what PhilSys is, what you’ll get from it, and how to get a PhilSys identification card. Table of ContentsWhat is PhilSys?What is a National ID?Who is Eligible for a PhilSys ID?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?How to Get a PhilSys IDPhilSys National ID RequirementsWhere to Apply for PhilSys IDPhilSys ID Registration StepsFinal Thoughts What is PhilSys? The Philippine Identification System (PhilSys), also called the national ID system[2], 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 11055[3]. The concept behind PhilSys is simple: “It will only answer ‘Who are you?’ and ‘Are you who you really say you are?’” This is according to the Philippine Statistics Authority (PSA), the national ID system’s chief implementor. What is a National ID? The Philippine Identification Card or…

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Business Permit Application Guide for First-Time Entrepreneurs

Opening a new business soon? A critical task you should make time for is your business permit application. This document is your proof that you can legally operate in the city or town where your business is located—whether it’s a physical store, a courier service, an online shop, or any enterprise. Read More: How to Register Your Online Business and Pay Taxes to BIR So you can set up your business without fuss, know how to apply for a business permit properly. Here’s a simple guide for first-time business owners in the Philippines. Table of ContentsWhat is a Business Permit?3 Things to Know Before Filing Your Business Permit Application1. Apply for one ASAP2. You Should Secure Other Documents FirstBusiness Permit Requirements3. The Application is Typically Done in PersonHow to Apply for a Business Permit in the PhilippinesFinal Thoughts What is a Business Permit? A business permit is a certification that your business is legitimate. Having this document means your business has the license to operate in the city or municipality where it’s registered. This official document is also called the mayor’s permit because it’s processed by the local government unit (LGU) with jurisdiction over the place of business. Business permits are issued to ensure that businesses pay taxes and comply with local regulations for safety, security, health, and sanitation. This document also entitles an individual or organization to any support provided by LGUs to businesses in their area. Running an enterprise without this permit can result in penalties such as fines and imprisonment. In worst cases, the LGU may close the…

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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 FacilitiesVoluntary Contributions OnlineHow to Pay PhilHealth OnlineHow to Pay Pag-IBIG OnlineHow to Pay SSS OnlineWhen 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 to present supporting documents. How to Change Your…

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SSS Unemployment Benefits: Cash Benefit for SSS Members

Getting laid off from work is undoubtedly one of the most traumatic things to experience in one’s career. Aside from the pain of rejection, a terminated employee has to deal with the challenges that come with the sudden loss of income. There are bills to pay, mouths to feed, and other financial responsibilities that won’t go away. Government employees enjoy unemployment benefits from the GSIS, which protect them from the financial impact of involuntary separation from the service. Private employees now have a reprieve as well through unemployment insurance mandated by the newly enacted Republic Act 11199 or Social Security Act of 2018[1]. Qualified SSS members are entitled to unemployment benefits that help ease their financial burden while they’re looking for a new job. Even if you think your chances of getting terminated from work are slim, it’s important to know what the unemployment insurance provision means. Read More: A Guide to Separation Pay in the Philippines Table of ContentsWhat is the SSS Unemployment Benefits Program?Who can apply for SSS Unemployment Benefits?Who can’t apply for SSS Unemployment Benefits?SSS Unemployment Benefits RequirementsHow do I apply for SSS Unemployment Benefits?How to check the status of my application?How can SSS afford this program?Final Thoughts What is the SSS Unemployment Benefits Program? The SSS Unemployment Benefits program provides cash assistance to involuntarily separated employees, including household employees and overseas Filipino workers. The cash grant is worth 50% of the member’s average monthly salary credit (MSC). The program will last for only two months, which means members can only receive them once every three years. This cash…

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Unemployment Benefits and Other COVID-19 Government Assistance Schemes

Infected or not, Filipinos are grappling with the impact of the coronavirus disease 2019 (COVID-19) pandemic in one way or another. Suddenly, the public health crisis disrupted the lives of many—from simple inconveniences like getting stuck in one’s home to more serious problems like the increased risk of coronavirus infection and loss of income. The national government declared an enhanced community quarantine all over Luzon, and some local governments in other parts of the Philippines followed suit. To help Filipinos recover from the loss of economic opportunities due to the lockdown, the government has started to provide unemployment benefits, financial aid, and other forms of assistance. We compiled them into one place, so you know which ones you can benefit from. Table of ContentsCOVID-19 Government Assistance for FilipinosFree Medical ConsultationPhilHealth Coverage for COVID-19 PatientsUnemployment Benefits for Affected WorkersSSS Unemployment BenefitDOLE CAMP: P5,000 Cash Aid for Local WorkersTemporary Jobs for Informal Workers$200 Cash Aid and Repatriation for OFWsCOVID-19 Emergency Assistance for FilipinosP5,000 to P8,000 Cash Aid for Low-Income FamiliesSSS Salary LoanSSS and GSIS Calamity LoansPag-IBIG Multi-Purpose and Calamity LoansPayment Deadline ExtensionsSSS Contribution Remittance Deadline ExtensionMoratorium on SSS Short-Term Loan Payments3-Month Moratorium on Pag-IBIG Loan PaymentsIncome Tax Filing ExtensionFinal Thoughts COVID-19 Government Assistance for Filipinos Free Medical Consultation Do you or any family member have possible symptoms of the coronavirus disease? You can 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…

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What is a Solo Parent ID and How Can I Get One?

This article was published on June 29, 2018 and was updated on March 13, 2020. There are over 20 million solo parents in the Philippines. With a growth rate of 30.5% from last year, the Federation of Solo Parents expects the population to upsurge this year. There are many reasons for being a solo parent—some unfortunate, some touching. Whatever the reason is, it is important to recognize the efforts of such parents. Fortunately, the government has enacted laws to do just that. One of them is the Solo Parent ID. What is it and how can it benefit solo parents like you? Read on below to find out. Table of ContentsWhat is a Solo Parent ID?Who Can Apply for a Solo Parent ID?Solo Parent ID Requirements1. Barangay certificate2. Proof of financial status3. Supporting documents/certificates4. Birth certificate/s of your child/children5. Filled up Solo Parent ID application formSolo Parent ID Application ProcessValidity of Solo Parent IDBenefits of Having a Solo Parent ID1. Parental leave2. Flexible work schedule 3. No work discrimination4. Additional support and assistance, if applicableFinal Thoughts What is a Solo Parent ID? A Solo Parent ID is a government-enforced ID for solo or single parents in the Philippines. Solo parents who carry such ID can enjoy certain government discounts and benefits. Who Can Apply for a Solo Parent ID? Any single parent in the Philippines can apply for a Solo Parent ID. According to Republic Act No. 8972 [1] or the Solo Parents’ Welfare Act of 2000, a single parent is: 1. A woman who gives birth as a result…

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NBI Renewal Guide: How to Renew Your NBI Clearance in 2020

A National Bureau of Investigation (NBI) Clearance has plenty of uses in the Philippines. This simple piece of blue paper is often a requirement for job and visa applications. It’s also honored as a valid ID for postal ID application, voter’s registration, and DTI business name registration. Regardless of what you’ll use this clearance for, you need to have yours renewed if it’s already expired or about to expire. Read More: NBI Clearance Online Application: A Simple Step-by-Step Guide . Read on to find out more about how you can renew your NBI Clearance the easiest way possible. Table of ContentsRequirements for NBI RenewalNBI Renewal Online Process in the Philippines1. NBI Clearance Quick Renewal Service2. Regular NBI Renewal ProcessFrequently Asked Questions About NBI Renewal1. Is walk-in allowed in NBI Clearance renewal?2. How much is the NBI renewal fee?3. Where can I pay for the NBI renewal fee?4. Can I submit a Barangay Clearance for NBI renewal?5. How can I apply for NBI Clearance renewal if I lost my old copy?6. The system says my NBI ID number can’t be found. What should I do?7. How can OFWs renew NBI Clearance abroad?8. How can foreigners in the Philippines apply for NBI renewal?Final Thoughts Requirements for NBI Renewal The requirements for renewal depends on the year the NBI clearance is issued. If you got your latest NBI Clearance only recently (from 2014 to present), only one valid government-issued ID is required. However, you’ll have to surrender the copy of your most recently issued NBI Clearance. The NBI website (1) lists down the…

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Complete List of LTO Branches in Metro Manila

You’re probably familiar of the Land Transportation Office or LTO. Branched under the Department of Transportation and Communication, LTO is the agency responsible for all forms of land transport, along with the implementation of transportation laws, rules, and regulations. This is also where car owners register their vehicles and where drivers can apply for and renew their licenses. In addition, the LTO files and handles complaints made against other motor vehicle owners and operators in the Philippines. Since the LTO handles numerous transactions everyday, the agency decided to put up branches on multiple cities nationwide. If you need to process a complaint or renew your driver’s license, below is a list of LTO branches in Metro Manila to go to. Table of ContentsLTO Branches in Metro ManilaLTO NavotasLTO MandaluyongLTO National Capital Region (NCR)LTO MalabonLTO Las PiñasLTO MakatiLTO La LomaLTO DilimanLTO San JuanLTO Camp AguinaldoLTO CubaoLTO ManilaLTO in Robinson’s MallsNew List of Provincial LTO Branches:Final ThoughtsGet a Free Car Insurance Quote! LTO Branches in Metro Manila LTO Navotas Address: Gen. Gas Plant Bldg., Fishport Complex, North Bay, Navotas City Contact Number: (02) – 8283-3510 Director: Arnaldo O. Oliveros Located within the Fishport Complex, the Navotas district office of the LTO is where most truck operators and drivers typically head to. If this happens to be the branch closest to you, expect plenty of people on any given day. LTO Mandaluyong Location: 121 Shaw Boulevard, Mandaluyong City Director: Noel D. Batolina Contact Number: (02) 8532-2726 This satellite office happens to be in the middle of Shaw, so expect traffic from this side of the metro. Like…

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Getting Married in the Philippines? Here’s What Couples Must Do

Marriage isn’t something people do on a whim. Just as you don’t marry someone you met only yesterday, you don’t get married without being legally ready. Getting married in the Philippines won’t be an easy ride, what with the many requirements (such as marriage contract and license) soon-to-weds have to take care of. It’s far from the typical Las Vegas weddings where couples get hitched on the spur of the moment. But that doesn’t mean you shouldn’t get married. Of course, you want your union to become legal and official. The point is, before you tie the knot, you have to be ready for all the paperwork it entails. Your dream wedding won’t become a reality if you lack even just one requirement. Here’s everything Filipino or foreign couples need to know before getting married, whether in civil or church rites, in the Philippines. Table of ContentsWho Can Get Married in the Philippines?How to Get Married in the Philippines in 8 StepsStep 1: Get Your NSO Birth CertificatesStep 2: Request a CENOMARStep 3: Get a CedulaStep 4: Apply for a Marriage LicenseStep 5: Book an OfficiantStep 6: Invite Your WitnessesStep 7: Get MarriedStep 8: Get Your Marriage CertificateFAQs on Getting Married in the Philippines1. What is the difference between a marriage license, a marriage contract, and a marriage certificate?2. Can we get married in a different place from where we got our marriage license?3. Can two foreigners get married in the Philippines?4. How can a foreigner get married in the Philippines?5. Can you get married without a marriage license in…

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Pag-IBIG MP2 vs. SSS PESO Fund: Which is the Better Savings Program for You?

Choosing between the Pag-IBIG MP2 and SSS PESO Fund to start saving money? Learn about their similarities and differences to come up with a wise decision. To encourage their members to save and earn additional income, the Pag-IBIG Fund and SSS offer their respective voluntary savings schemes, the Modified Pag-IBIG II (MP2) Program and the Personal Equity and Savings Option (PESO) Fund. Both government savings programs are attractive options for Filipinos who don’t have much to save and don’t want to invest in riskier instruments such as stocks and mutual funds. Table of ContentsCommon Features of Pag-IBIG MP2 Program and SSS PESO Fund Program Pag-IBIG MP2 vs. SSS PESO Fund Minimum and Maximum InvestmentsPag-IBIG MP2 vs. SSS PESO Fund Interest RatesPag-IBIG MP2 vs. SSS PESO Fund Maturity PeriodPag-IBIG MP2 WithdrawalSSS PESO Fund WithdrawalPag-IBIG MP2 vs SSS PESO Fund EnrollmentPag-IBIG MP2 Requirements for EnrollmentSSS PESO Fund Requirements for EnrollmentPag-IBIG MP2 Enrollment ProceduresSSS PESO Fund Enrollment ProceduresPag-IBIG MP2 vs SSS PESO Fund Payment ModesPag-IBIG MP2 Mode of PaymentPayment Channels for MP2 ContributionsSSS PESO Fund Mode of PaymentWhich is Better: Pag-IBIG MP2 or SSS PESO Fund?Final Thoughts Common Features of Pag-IBIG MP2 Program and SSS PESO Fund Program  Before we flesh out the differences between the two government savings schemes, let’s take a look at the features that are common to both: Optional savings programs Tax-free Guaranteed by the Philippine government (meaning you won’t lose your savings) Open to all regular Pag-IBIG and SSS members, whether OFWs or local workers Higher interest rates than bank rates (savings accounts and time deposits) Monthly payments not required; no penalty…

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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 IDCan I Get a Postal ID Online?Postal ID Application StepsRush Postal ID ProcessingHow Long Does It Take to Get 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 ProgramFinal 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 Postal ID a Valid ID? Yes, the postal…

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Quick Guide to to DFA Passport Appointment, Application, and Renewal

A Philippine passport is your ticket to the world. It’s the most important document you’ll need if you wish to study, work, or travel overseas. It’s also a powerful identification card that you can use in private- and government-related transactions. However, getting or renewing a Philippine passport through the Department of Foreign Affairs (DFA) can be tricky. DFA passport appointment slots are limited. Securing an appointment now feels like winning the lottery due to the shortage of slots in the online scheduling system. But a passport is a passport and we all need it to go overseas. Lessen the stress of getting a Philippine passport with our quick and easy guide. Table of Contents1. Schedule a DFA Passport Appointment OnlineHow to Make a Passport Appointment OnlineThings to Remember Before Scheduling Your DFA Passport Appointment2. Pay the Passport Processing FeeThings to Remember Before Paying the Passport Fee3. Prepare the Passport RequirementsValid ID (original and photocopy)Birth Certificate (original and photocopy)Supporting Documents4. Show Up on Your DFA Passport Appointment ScheduleDFA Passport Application/Renewal Steps5. Claim Your Passport and Wait for DeliveryFAQs on DFA Passport Appointment, Application, and Renewal1. Can I cancel or reschedule my appointment?2. Do I still need to book an appointment if I get my passport through a travel agency?3. How do I renew my passport?4. Is NBI clearance accepted as a valid ID for passport application?5. When will my passport arrive?6. How long can I use my passport?Final Thoughts 1. Schedule a DFA Passport Appointment Online All Philippine passport applicants—whether for new application or renewal—must book an appointment with the DFA…

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