P.5-M LOAN PUWEDE NA KAY TITSER

GSIS

SISIMULAN nang tanggapin bukas, Mayo 15, ng Government Service Insurance System (GSIS) ang mga aplikasyon ng mga tauhan ng Department of Education (DepEd) sa programang GSIS Financial Assistance Loan (GFAL).

Sa ilalim ng programa, maaaring pautangin ng GSIS ng hanggang P500,000  ang DepEd borrowers upang mabayaran ang kanilang outstanding balance sa kanilang pinagkakauta­ngan mula sa accredited private lending institutions.

“Instead of offering the GFAL to DepEd personnel in selected cities and municipalities on a pilot run, we decided to open it to all teachers and teaching personnel nationwide because we want more teachers to benefit from lower interest rate and better terms of payment from GSIS.  Reduced interest rates and smaller amortization spells savings and higher disposable take home pay for our members. This will definitely lighten their load,” paliwanag ni GSIS president and general manager Jesus Clint Aranas.

Aniya, sa ilalim ng GFAL, ang mga kuwalipikadong borrower ay maaaring makautang ng hanggang P500,000 sa kondisyon na ang magi­ging take home pay ay hindi bababa sa P5,000 matapos kaltasin ang mga buwanang obligasyon.

At kung ang pinagkakautangan ay hindi lamang sa isang private lender, maaaring  pagsamahin lamang ito at ilipat ang kabuuang halaga sa GSIS at ang ahensiya na ang magbabayad direkta sa private lending institutions.

“This loan program is a balance transfer and debt-consolidation facility in one. It allows the members to take a second look at their spending habits — if they are heavy borrowers, they might be spending beyond their means.  The best thing about GFAL is that the borrowers will go through loan evaluation and counselling process and are  required to attend the GSIS Financial Literacy Seminar  before taking out the loan to adopt good money management practices,” dagdag pa ni Aranas.

Ang lahat ng DepEd personnel ay kuwalipikado sa naturang pautang kung aktibong miyembro ng GSIS na may perma-nent status at bayad ang kontribusyon sa loob ng tatlong taon, three years; hindi naka-leave without pay, may out-standing loan mula sa DepEd-accredited lending institution at walang due at demandable loan account  sa GSIS.

Gayundin, ang isang borrower  ay walang pending administrative case o  criminal charge maliban kung ang naghabla ay accredited lending institution dahil sa hindi pagbabayad ng loan obligations  na siyang prayoridad ng GSIS at HDMF loan payments sa ilalim ng D.O. No. 38, s. 2017 on July 31, 2017.

Ang interest rate ng GFAL ay 6% per annum na siyang babayaran buwan-buwan sa loob ng anim na taon na awtomatikong ikakaltas sa suweldo.  VICKY CERVALES

 

One thought on “P.5-M LOAN PUWEDE NA KAY TITSER”

Comments are closed.