#UsapangPera: Mga Tips sa Pagyaman with Sir Vince tackles money issues such as savings, loans, budgeting, and investing among others. Visit Sir VInce's website: www.vincerapisura.com. How to join SEDPI Coop: 1. Join SEDPI Foundation at bit.ly/SEDPIOnlineSRI by clicking “Register” and filling out the form 2. Take the online Pre-Membership Education Seminar (PMES) at bit.ly/SEDPICoopPMES 3. Pay membership fee and initial share capital bit.ly/SEDPIPay Simulan ang pagiinvest the socially responsible way sa: bit.ly/SEDPIOnlineSRI Sagot sa mga Frequently Asked Questions: https://bit.ly/sedpi-sri-faq Isubmit ang ibang pang inquiries o requests sa: https://bit.ly/sedpi-inquiry Pag-IBIG MP2: * Watch the play list: https://www.youtube.com/playlist?list... * How to invest: https://m.me/vincerapisura?ref=w13160758 SSS Retirement: Watch the playlist https://www.youtube.com/playlist?list... How to invest 100K: https://youtu.be/dxHRZn7uP-4 Celebrity guests include venus Raj (Season 1); Nicole Cordovez and

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Ang submission ng documents natin dapat ito ay gagawin natin sa my.sss account natin.

So hindi na tayo kailangan pumunta sa branch. Lahat ng mga documents natin na kailangan isubmit kung kinakailangan

ay sa my.sss account natin gagawin.

So pag-usapan natin ang coverage ng programa ng SSS para sa consolidation and condonation program nito ngayong 2022.

So ang coverage nito, lahat ng may past due sa SSS na short term member loans.

At ang mga short term member loans na ito ay ang mga sumusunod.

So yung salary loan, including yung salary loan early renewal program natin.

Tapos meron din pong calamity loan, emergency loan, at saka restructured loan ng SSS.

So kung meron po kayo dito na nag-past due na, ano ang ibig sabihin ng past due? Hindi po tayo nakakapagbayad ng tatlong buwan na ang equivalent.

So that means you are already past due. Pwede po tayo mag-apply ng condonation and consolidation of loan.

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.

So kapag sinabi ng past due, gaya ng sabi ko kanina, the loan has been unpaid consisting of principal interest and penalties.

At ito ay equivalent to more than 3 months monthly amortization, yung nalibanan natin na bayad.

Or the loan has remaining unpaid balance after its maturity.

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.

So kailan po ang effectivity ng ating condonation program?

Ang effectivity po ay nagsimula ng September 30, 2022.

So ano po yung mga terms and conditions natin dito? Ito po ang mga sumusunod.

So unang-una ay tignan natin, sino ba yung mga eligible? Sino yung mga po pwedeng makumuha?

Yung mga may loan accounts that are past due at the time of the consolidated loan application.

So sabi ko kanina, kung mayroon kayong salary loan, calamity loan, pwede niyong pagsamasamahin yung mga yoon.

So yan, okay. Sunod ay hindi pa tayo nag-a-grantan ng final benefit or permanent total disability or retirement.

Ibig sabihin, kapag kasi nakakuha na tayo ng permanent total disability claim at retirement pension claim natin, final benefit na yun.

So that means hindi na tayo qualified na magpa-consolidate ng loan natin.

And lastly, hindi pa pala, you should have not been disqualified due to fraud committed against the SSS.

So dapat wala kayong mga panlilinglang, pandaraya, pagnanakaw na ginawa sa SSS para po tayo ay mag-qualify.

At dapat din meron tayong active na My.SSS account.

Okay. So sa consolidated loan amount natin, lahat ng outstanding principal and interest of the member borrower's past due loan

shall be combined into one consolidated loan.

Kung mapapansin nyo dito, hindi naisama yung penalty. Kasi nga, i-condone yung penalty.

Pero given specific conditions, yan na ibabanggitin natin mamaya.

So example natin, itong si Diego. May tatlong loan si Diego sa SSS.

Ito ay calamity, emergency, at saka salary loan.

Past due na ang mga ito at gusto niyang mag-apply sa consolidated loan program ng SSS.

So ano yung sitwasyon nitong si Diego? Tingnan natin.

So mayroon siyang tatlong past due na loans. So salary loan, ito yung una, and then calamity loan, and then emergency loan.

Kung makikita natin dito, dito sa salary loan meron siyang interest na balance, Php6,000 plus penalty, Php7,436.

Tapos ang balance niya plus the principal ay Php26,414.

Sa calamity loan, Php14,023. At saka sa emergency loan ay Php7,322.

So pag titignan natin ngayon yan, ang gagawin, i-consolidate siya into one loan.

So i-add yung interest, principal, at saka yung balance.

So i-add lahat yung mga yan.

So pag i-add natin yan, ang total na consolidated balance niya ay Php35,781.

Pero kung hindi siya mag-a-apply dito sa consolidation and condonation program, babayaran niya itong halos Php12,000 na penalty.

So kung mag-a-apply siya ng penalty condonation program, mawawala ito.

So ito na lang yung kanyang babayaran.

So yan yung consolidated loan ni Diego.

So ito yung payment terms.

So one-time or full-time payment yung isang option dyan.

At itong one-time or full-time payment, dapat babayaran mo yung kabuuan noong due within 30 days.

So sa sitwasyon ni Diego kanina na nakita natin, kailangan kung i-off ni Diego na one-time payment na lang yan

kasi meron akong trabaho o kung ano man, dapat within 30 days babayaran niya itong Php35,781.

At kapag nabayaran na niya ng buo ito, itong penalty ay condoned na.

Meaning, hindi na niya babayaran at ikaw ay napatawad na ng SSS sa iyong pagkakautang.

Okay, so yun yung one-time or full-time payment.

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.

That means, kapag less than or equal to Php5,000 yung na-consolidate na loan,

wala kang choice kundi one-time payment lang talaga ang gagawin mong payment term.

So kung more than that, pwede kang magkaroon ng installment plan na tinatawag.

So itong installment plan, magda-downpayment ka muna ng at least 10% of the consolidated loan amount.

Minimum yun ha, pwede ka naman na magtaas. So kung mas mataas, mas okay.

Tapos babayaran mo yung 10% na downpayment na yan within 30 calendar days from the receipt of the notice of approval.

From there, magmamonthly ka na pagkatapos ng 10% downpayment, magmamonthly ka na.

At gaano katagal yung pupwede natin na makuha, ito yung table dyan na maximum repayment terms natin.

So kapag up to Php5,000, 30 days lang yan.

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.

Php54,000 to Php72,000, 48 months. At saka more than Php72,000 ay 60 months.

So that means na-consolidate na lahat talaga yung loan natin, principal plus interest.

So dito sa nakita natin kay downpayment ni Diego, itatry natin na i-compute.

So dito, masyadong maliit ito ha.

So Php35,781 x 10%. So ang downpayment natin ay Php3,578.

Tapos Php35,781 ay susubract natin yan sa principal. So Php32,203 yung lumalabas. So yan ay i-amortize natin for 2 years.

So yan yung mangyayari dyan. So bakit siya i-amortize for 2 years?

Kasi kung babalikan natin dito sa table na ito, yung Php32,000 ay Php18,000 to Php36,000

hanggang 24 months lang niyang pupwedeng i-maximum na payment term.

So pwede naman na mas maikli kung gusto ni Diego. Pwede niyang gawin yun.

Pero ang maximum ay 24. So kung mas malaki yung balance, pupwedeng mas matagal hanggang 60 months.

Pero ako sa inyo, huwag nyo nang pinapatagal ang utang.

Dahil ang utang ay asawa ng kahirapan. Lagi po natin tatandaan yan.

Advanced payments, the member may pay earlier than the maximum term by choosing a shorter payment term.

Pwede naman tayo na gagawin yun. Tapos pwede rin tayong mag-choose to pay in full at any given time during the installment period

para wala nang sakit sa ulo.

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