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Wednesday, November 18, 2020

Mga Nasiraan ng Bahay Dahil sa mga Nagdaang Bagyo, Maaaring Mag-Loan sa SSS Hanggang P1 Million





MANILA, Philippines — Miyembro kaba ng Social Security System o SSS na nasiraan ng bahay dahil sa nangyaring pananalasa ng magkasunod na bagyong Quinta, Rolly, Ulysses? Alam mo ba na may Direct House Repair and Improvement Loan ang SSS para sa mga miyembro nitong naapektuhan ng bagyo.

Ang Direct House Repair and Improvement Loan ay inaalok ng SSS sa mga sumusunod nitong miyembro:
  • Employed
  • Self-employed
  • Voluntary
  • Overseas Filipino Workers o OFWs
Ngunit niliaw ng SSS na para lamang ito sa kanilang mga miyembro na nakatira sa mga lugar na isinailalim na sa State of Calamity ng National Disaster Risk Reduction and Management Council o NDRRMC dahil pananalasa ng sunod-sunod na mga bagyo partikular na sa Luzon.


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Sa official Facebook Page ng SSS na Philippine Social Security System, sa ilalim umano ng Direct House Repair and Improvement Loan, maaaring maka-avail ng loan hanggang P1 million ang isang miyembro.

Qualification para sa SSS Direct House Repair and Improvement Loan:
  • Ang miyembro ay may hindi bababa sa 24 monthly contributions at tatlo sa mga ito ay naihulog sa nakaraang 12 buwan bago pa man ang buwan ng loan application
  • Hindi hihigit sa 60-anyos ang edad sa petsa ng loan application
  • Hindi pa nabibigyan ng Direct House Repair and Improvement Loan
  • Hindi pa nabibigyan ng anumang final benefit o refunded SSS contribution
  • Kung may-asawa, up-to-date ang pagbabayad sa lahat ng kanilang mga loan sa SSS


Kinumperma ng SSS na wala ng processing fee para sa nasabing loan program na may annual interest rate na 8% para sa mga loan hanggang P450,000 at 9% naman para sa mga loan na higit sa P450,000.


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Maaaring bayaran ang loan program na ito hanggang 20-taon, dagdag pa ang anim na buwang moratorium.

Ang nasabing programa ay maaaring aplayan sa Member Loans Department sa SSS Main Office para sa mga taga-National Capital Region at sa Housing and Acquired Asset Management Sections naman para sa mga hindi taga-NCR.

Maaaring makuha ang Direct House Repair and Improvement Loan sa link na ito — https://www.sss.gov.ph/sss/DownloadContent?fileName=SSSForm_Direct_House_Repair.pdf

Matatandaan na sa bagyong Rolly lamang, iniulat ng NDRRMC na mahigit sa 100,000 mga kabahayan ang nasira dahil sa hagupit ng bagyo. Hindi pa kasali sa bilang ang mga sinira ng mga sumunod na bagong Quinta at Ulysses.

©2020 THOUGHTSKOTO

Tuesday, November 17, 2020

SSS Pensioners, Maaaring Mag-apply ng 3-Month Advance Pension




MANILA, Philippines — Kung may Calamity Loan Assistance Package o CLAP ang Social Security System o SSS para sa mga kwalipikadong miyembro nito, may three-month advance pension naman na maaaring aplayan ang mga pensioners ng ahensiya.

Sa guidelines na inilabas ng SSS sa kanilang official Facebook Page na Philippine Social Security System, maaaring mag-apply para sa Three-months Advance Pension ang mga pensioners ng SSS at Employees Compensation o EC.

Ngunit nilinaw ng SSS na ang programa ay para lamang sa mga pensioners ng ahensiya sa na nakatira sa mga lugar na isinailalim sa state of calamity ng National Disaster Risk Reduction and Management Council o NDRRMC dahil sa panalasa ng Super Typhoon Rolly at mga bagyong Quinta at Ulysses.

Hindi naman qualified sa advance pension ang mga retiree-pensioners na may kasalukuyang loan sa ilalim ng Pension Loan Program (PLP).

Ang application para sa tatlong-buwang advance pension ay maaaring i-file sa alinmang branches ng SSS.

Ang three-month advance pension ay maaaring aplayan simula Nobyembre 27 nitong taon.


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Samantala, kung ikaw ay SS pensioner ngunit hindi kwalipikado sa three-month advance pension ng SSS, maaari mo namang i-avail ang SSS Pension Loan Program ng ahensiya na maaari nang aplayan online.

Ayon sa SSS programa ito ng ahensiya para sa mga kwalipikadong retiree-pensioners at hindi na kailangan pang pumunta sa mga SSS branches para sa application sa halip, maaari itong gawin kahit saan sa kondisyong may internet connection at naka-rehistro ang pensioner sa My.SSS web account nito.


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Kabilang sa qualifying conditions ng PLP program ay ang current at active mobile numbers at disbursement account.

Paglilinaw ng SSS na ang PLP ay bukas para sa lahat na mga pensioners sa buong bansa at hindi lamang para sa mga nasalanta ng kalamidad.

Narito ang iba pang mga impormasyon ukol sa PLP ng SSS.




©2020 THOUGHTSKOTO

Mag-a-apply ng SSS Calamity Loan? Narito ang mga Guidelines na Dapat Mong Malaman Bago Mag-apply!





MANILA, Philippines — NAGLABAS na ng guidelines ang Social Security System o SSS para sa calamity assistance sa mga miyembro at pensioners nito na naapektuhan ng magkasunod na mga bagyong Quinta, Rolly at Ulysses.

Ayon sa SSS, magbibigay ito ng calamity assistance package para sa mga miyembro at pensioners nitong nasa mga lugar na isinailalim o isasailalim pa sa State of Calamity ng National Disaster Risk Reduction and Management Council (NDRRMC) dahil sa magkasunod na pananalasa ng mga malalakas na bagyo sa Pilipinas, lalo na sa bahagi ng Luzon.


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Sinabi ni SSS President at CEO Aurora C. Ignacio na simula Nobyembre 27, 2020, tatlong programa ang bubuksan ng SSS upang makapag-bigay ng financial assistance sa mga binagyong miyembro at pensioners.

Kabilang sa mga mga programa ang mga sumusunod:
  • Calamity Loan Assistance Program (CLAP) for qualified members

  • Three-month Advance Pension for SS and Employees’ Compensation (EC) pensioners

  • Direct House Repair and Improvement Loan for qualified members
Samantala, narito ang guidelines ng SSS para sa Calamity Loan Assistance Program (CLAP)

Sa ilalim ng CLAP, ang mga qualified members "may avail of a loan equivalent to the average of their last 12 monthly salary credits (MSC) rounded up to the nearest thousand or the amount they applied for, whichever is lower."


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Sino ang Kwalipikado sa CLAP?
  • SSS member na may My.SSS account sa www.sss.gov.ph

  • May contribution na hindi bababa sa 36 months at anim nito ay dapat naihulog sa nakaraang 12 buwan bago ang buwan ng application.

  • Residente ng lugar na isinailalim sa state of calamity ng NDRRMC at dumanas ng labis na pinsala sa mga ari-arian dahil sa mga bagyong Rolly, Quinta at Ulysses

  • Miyembrong hindi nabigyan ng final benefit kagaya ng permanent total disability o retirement

  • Walang outstanding loans sa ilalim ng Loan Restructuring Program

  • Hindi naka-apply sa nakaraang Calamity Loan Package


Ano ang proseso ng Calamity Loan Application?

Ang CLAP ay maaaring aplayan online sa pamamagitan ng My.SSS account ng miyembro.

Papatunayan naman ng kanilang mga employer ang aplikasyon ng mga miyembro sa pamamagitan ng My.SSS account ng mga employer.

Ilang taon babayaran ang SSS Calamity Loan?

Ang calamity loan ay dapat mabayaran sa loob ng dalawang taon na may 10 percent interest rate per annum at one percent penalty para sa mga late payments.

Hindi naman babawasan ng one percent na service fee ang calamity loan.


Kailan magsisimula ang pagbabayad sa Calamity Loan?

Magsisimula ang pagbabayad sa calamity loan sa ikalawang buwan kasunod sa petsang inaprobahan ang loan. Ang deadline ng pagbababayd ay kada huling araw ng buwan.

Saan makukuha ang perang ni-loan sa SSS Calamity Loan?

Kung maaaprobahan, agad na makukuha ng miyembro ang calamity loan proceeds ito sa kanyang disbursement account na nirehistro sa SSS.
  • Philippine Electronic Fund Transfer System and Operations Network participating bank account

  • Unified Multi-Purpose Identification Card enrolled bilang ATM card 

  • Union Bank of the Philippines Quick Card.
Kailan magsisimula ang application ng SSS Calamity Loan?

Ang application para sa CLAP ay magsisimula sa Nobyembre 27 hanggang Pebrero 26, 2021.

Sa ngayon, kabilang sa mga lugar na isinailalim sa State of Calamity ng NDRRMC dahil sa pananalasa ng mga bagyo ay ang mga sumusunod;
  • Cavite
  • Catanduanes
  • Camarines Sur
  • Batangas
  • Oriental Mindoro
  • Occidental Mindoro
  • Marinduque
  • Albay
  • Mulanay, Quezon
  • Culion, Palawan
  • Banton, Concepcion, at Corcuera sa Romblon
  • Asipulo, Ifugao

©2020 THOUGHTSKOTO

Monday, November 16, 2020

9 Stunning 3-Bedrooms House Design With Floor Plan




A house with three-bedrooms perfectly fulfills the need of a four to five-member family. If you are looking for one, then this compilation might help. Here are 9 one-story houses designed to have three-bedrooms that can be shared with your family. These stunning house design and layouts are created by TM Designs based in Thailand!

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House Design No. 1

An L-shaped house plan with three bedrooms and two bathrooms. An L-shaped is a popular design for small houses and in this plan, the house has a total living area of 136 SQM. As to the layout, this one has an open plan in the living, dining, and kitchen area. The main bedroom has an en suite bathroom, while the second bath doubles up as a guest bathroom with easy access from the kitchen area. One more thing about this plan is the extended terrace from the main bedroom to the other side! The estimated construction budget of this one is $46,000.










House Design No. 2 

A spacious 3-bedroom, 2 bathroom house plan with a total living area of 256 SQM. Aside from that, this house plan has two terraces, in front and at the back — all spacious and relaxing! In building this house, you need at least a 16 by 16 meters lot as a minimum requirement while the estimated construction budget is $82,000. Indeed this one has a spacious proportion that perfectly answers the needs of each family member. Every room, from the living area and kitchen to the bedrooms has been designed to maintain privacy and comfort.









House Design No. 3 

A well-designed and lovely elevated house with three bedrooms and two bathrooms. Elevated houses don't have to meter above the ground, a short rise from the ground level should be good enough just to promote a taller height to your house. Take a cue from this design — a concrete base of few inches goes a long way with helping protect the house during heavier rainfalls. This beautiful house has a total living area of 105 SQM while the minimum lot requirement needed is 14 by 9.10 meters. The estimated construction budget for this one is $43,000.








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House Design No. 4 

A modern bungalow house with spacious parking. For homeowners who need a house with a garage, it’s best to choose a plan that provides direct access to the home from the garage just like this one. This house plan is also composed of three bedrooms, two bathrooms kitchen, a living room, and a balcony. This plan has a total living area of 156 SQM while the minimum lot requirement is 11.80 by 15 meters and the estimated construction budget is  $59,000.










House Design No. 5 

A gorgeous modern white house with three bedrooms and two bathrooms.  Pristine and fresh with precast concrete and glazed windows and doors, this home is both a pleasure to live in and to look at. More importantly, it offers plenty of space indoors and outdoors for relaxation and recreational activities. This modern white house has a total living area of 120.75 SQM while the minimum lot requirement is 11.50 by 10.50 meters. The estimated construction budget of this one is $56,000.











House Design No. 6 

Much like the L-shaped house plans, H-shaped house plans are exactly what the name suggests. These homes are shaped like the letter “H”, and if you want to make an impression, this may just be what you have been looking for. Our house plan number 6 is an H-shaped designed to have three bedrooms, two bathrooms, balcony, living, kitchen and dining area, and a two-car garage. The total living area of this house plan is 187.5 SQM while the minimum lot requirement is 15 by 9.5 meters. 

This is not the option you choose when you’re very cost-conscious about the home that you’re building, because believe it or not, you will end up costing you more to build than a regular rectangular home, but they will also make a statement like rectangular ones don’t. For this one, you need at least $62,000.







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House Design No. 7 

Another L-shaped house plan on the list, but this one comes with a loft.  A family home with three bedrooms and two bathrooms. The upper living area is 44 SQM where the main bedroom with its own bathroom is located. The lower living area is 150 SQM and spacious enough for two bedrooms, a living area, kitchen, and dining. The 30 SQM two-car garage completes the house plan aside from its terrace spacious terrace on the front. As to the land requirement, you need at least 15 by 12.60 for this one while the budget you need to prepare $47,000.







House Design No. 8

Aside from its three bedrooms and four bathrooms, this house plan has a lot of space to offer. From basic, dining, and kitchen and living areas, this house has also a dressing room, spacious balcony, karaoke room, workroom, and a roof deck! Indeed this house is spacious with 224.20 SQM total living area and will be very nice if erected into a spacious lot area although the minimum lot requirement for this one is 22 by 11.10 meters. The estimated construction budget for this one is $68,000.







House Design No. 9 

Combining the classic country estates with the modern aesthetic, this single-detached house plan can be built simply and beautifully with natural materials such as wood. This house plan beckons invitingly, painted in warm and pleasant hues that feel instantly homey. This home is also designed to have three bedrooms, two bathrooms, a kitchen, a living room, and a garage for a total living area of 118 SQM. For minimum lot requirements, you need at least 13.50 meters by 12 meters while the estimated construction budget is $27,000.







That's it, guys. Please remember that the construction budget stated in this post are just estimates and budgets are mainly determined by the quality of materials and labor cost in your area.

©2020 THOUGHTSKOTO