01:02.0
So that means you are already past due. Pwede po tayo mag-apply ng condonation and consolidation of loan.
01:11.0
So ang coverage ng program na ito ay kasama din ang lahat ng mga short term member loans na pwede i-determine pa ng SSS.
01:20.0
So kapag sinabi ng past due, gaya ng sabi ko kanina, the loan has been unpaid consisting of principal interest and penalties.
01:30.0
At ito ay equivalent to more than 3 months monthly amortization, yung nalibanan natin na bayad.
01:38.0
Or the loan has remaining unpaid balance after its maturity.
01:43.0
Nag-mature na kasi usually 2 years lang ang loan natin sa SSS. So pag lumampas na ng dalawang taon, nag-mature na yun, ibig sabihin past due na rin po yan.
01:53.0
So kailan po ang effectivity ng ating condonation program?
01:59.0
Ang effectivity po ay nagsimula ng September 30, 2022.
02:06.0
So ano po yung mga terms and conditions natin dito? Ito po ang mga sumusunod.
02:11.0
So unang-una ay tignan natin, sino ba yung mga eligible? Sino yung mga po pwedeng makumuha?
02:19.0
Yung mga may loan accounts that are past due at the time of the consolidated loan application.
02:28.0
So sabi ko kanina, kung mayroon kayong salary loan, calamity loan, pwede niyong pagsamasamahin yung mga yoon.
02:38.0
So yan, okay. Sunod ay hindi pa tayo nag-a-grantan ng final benefit or permanent total disability or retirement.
02:50.0
Ibig sabihin, kapag kasi nakakuha na tayo ng permanent total disability claim at retirement pension claim natin, final benefit na yun.
03:00.0
So that means hindi na tayo qualified na magpa-consolidate ng loan natin.
03:05.0
And lastly, hindi pa pala, you should have not been disqualified due to fraud committed against the SSS.
03:17.0
So dapat wala kayong mga panlilinglang, pandaraya, pagnanakaw na ginawa sa SSS para po tayo ay mag-qualify.
03:24.0
At dapat din meron tayong active na My.SSS account.
03:30.0
Okay. So sa consolidated loan amount natin, lahat ng outstanding principal and interest of the member borrower's past due loan
03:38.0
shall be combined into one consolidated loan.
03:41.0
Kung mapapansin nyo dito, hindi naisama yung penalty. Kasi nga, i-condone yung penalty.
03:48.0
Pero given specific conditions, yan na ibabanggitin natin mamaya.
03:53.0
So example natin, itong si Diego. May tatlong loan si Diego sa SSS.
04:01.0
Ito ay calamity, emergency, at saka salary loan.
04:04.0
Past due na ang mga ito at gusto niyang mag-apply sa consolidated loan program ng SSS.
04:12.0
So ano yung sitwasyon nitong si Diego? Tingnan natin.
04:15.0
So mayroon siyang tatlong past due na loans. So salary loan, ito yung una, and then calamity loan, and then emergency loan.
04:25.0
Kung makikita natin dito, dito sa salary loan meron siyang interest na balance, Php6,000 plus penalty, Php7,436.
04:35.0
Tapos ang balance niya plus the principal ay Php26,414.
04:40.0
Sa calamity loan, Php14,023. At saka sa emergency loan ay Php7,322.
04:48.0
So pag titignan natin ngayon yan, ang gagawin, i-consolidate siya into one loan.
04:55.0
So i-add yung interest, principal, at saka yung balance.
05:00.0
So i-add lahat yung mga yan.
05:03.0
So pag i-add natin yan, ang total na consolidated balance niya ay Php35,781.
05:10.0
Pero kung hindi siya mag-a-apply dito sa consolidation and condonation program, babayaran niya itong halos Php12,000 na penalty.
05:22.0
So kung mag-a-apply siya ng penalty condonation program, mawawala ito.
05:29.0
So ito na lang yung kanyang babayaran.
05:33.0
So yan yung consolidated loan ni Diego.
05:36.0
So ito yung payment terms.
05:38.0
So one-time or full-time payment yung isang option dyan.
05:43.0
At itong one-time or full-time payment, dapat babayaran mo yung kabuuan noong due within 30 days.
05:51.0
So sa sitwasyon ni Diego kanina na nakita natin, kailangan kung i-off ni Diego na one-time payment na lang yan
05:59.0
kasi meron akong trabaho o kung ano man, dapat within 30 days babayaran niya itong Php35,781.
06:06.0
At kapag nabayaran na niya ng buo ito, itong penalty ay condoned na.
06:11.0
Meaning, hindi na niya babayaran at ikaw ay napatawad na ng SSS sa iyong pagkakautang.
06:20.0
Okay, so yun yung one-time or full-time payment.
06:23.0
At ang option mo lang ay one-time or full-time payment kapag ang consolidated loan mo ay equal or less than to Php5,000.
06:34.0
That means, kapag less than or equal to Php5,000 yung na-consolidate na loan,
06:41.0
wala kang choice kundi one-time payment lang talaga ang gagawin mong payment term.
06:47.0
So kung more than that, pwede kang magkaroon ng installment plan na tinatawag.
06:53.0
So itong installment plan, magda-downpayment ka muna ng at least 10% of the consolidated loan amount.
07:00.0
Minimum yun ha, pwede ka naman na magtaas. So kung mas mataas, mas okay.
07:05.0
Tapos babayaran mo yung 10% na downpayment na yan within 30 calendar days from the receipt of the notice of approval.
07:15.0
From there, magmamonthly ka na pagkatapos ng 10% downpayment, magmamonthly ka na.
07:22.0
At gaano katagal yung pupwede natin na makuha, ito yung table dyan na maximum repayment terms natin.
07:29.0
So kapag up to Php5,000, 30 days lang yan.
07:33.0
Kapag Php5,000 to Php10,000, 6 months. Php10,000 to Php18,000, 12 months. Php18,000 to Php36,000, 24 months. Php36,000 to Php54,000, 36 months.
07:47.0
Php54,000 to Php72,000, 48 months. At saka more than Php72,000 ay 60 months.
07:55.0
So that means na-consolidate na lahat talaga yung loan natin, principal plus interest.
08:03.0
So dito sa nakita natin kay downpayment ni Diego, itatry natin na i-compute.
08:12.0
So dito, masyadong maliit ito ha.
08:15.0
So Php35,781 x 10%. So ang downpayment natin ay Php3,578.
08:29.0
Tapos Php35,781 ay susubract natin yan sa principal. So Php32,203 yung lumalabas. So yan ay i-amortize natin for 2 years.
08:46.0
So yan yung mangyayari dyan. So bakit siya i-amortize for 2 years?
08:51.0
Kasi kung babalikan natin dito sa table na ito, yung Php32,000 ay Php18,000 to Php36,000
09:02.0
hanggang 24 months lang niyang pupwedeng i-maximum na payment term.
09:08.0
So pwede naman na mas maikli kung gusto ni Diego. Pwede niyang gawin yun.
09:13.0
Pero ang maximum ay 24. So kung mas malaki yung balance, pupwedeng mas matagal hanggang 60 months.
09:20.0
Pero ako sa inyo, huwag nyo nang pinapatagal ang utang.
09:24.0
Dahil ang utang ay asawa ng kahirapan. Lagi po natin tatandaan yan.
09:29.0
Advanced payments, the member may pay earlier than the maximum term by choosing a shorter payment term.
09:39.0
Pwede naman tayo na gagawin yun. Tapos pwede rin tayong mag-choose to pay in full at any given time during the installment period
09:47.0
para wala nang sakit sa ulo.
09:50.0
Thanks for watching! Kung may kapamilya, kaibigan, o pakilalakang tingin mo ay magiging interesado dito sa video,
09:58.0
please share to them or tag them in the comments section.
10:02.0
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10:08.0
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