Panayam kay GSIS NCR Operations Group Senior Vice President, Joseph Philip Andres ukol sa emergency loan para sa mga miyembro ng GSIS mula sa mga calamity areas

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Panayam kay GSIS NCR Operations Group Senior Vice President, Joseph Philip Andres ukol sa emergency loan para sa mga miyembro ng GSIS mula sa mga calamity areas  For more news, visit:  ►https://www.ptvnews.ph/  Subscribe to our DailyMotion Channel: ►http://www.dailymotion.com/peoples-television-incorporated  Subscribe to our YouTube channel: ►http://www.youtube.com/ptvphilippines  Like our Facebook pages: ►PTV: http://facebook.com/PTVph  ►Rise and Shine Pilipinas: https://www.facebook.com/riseandshinepilipinas  Follow us on Twitter:  ►http://twitter.com/PTVph  Follow us on Instagram: ►https://www.instagram.com/ptvph  Watch our livestream on:  ►http://ptvnews.ph/livestream/ ►https://www.dailymotion.com/PTVPhilippines  Watch our News Programs, every Mondays to Fridays  Rise and Shine Pilipinas - 6:00 - 7:00 am | 7:30 - 8:00 am Balitang Pambansa - 7:00 - 7:30 am | 12:00 - 12:30 pm | 6:00 - 6:30pm | 9:30 - 10:00 pm PTV Sports - 8:00 - 9:00 am Bagong Pilipinas Ngayon - 12:30 - 1:00 pm Sentro Balita - 1:00 pm - 2:00 pm Ulat Bayan - 6:30 pm - 7:00 pm PTV News Tonight -  10:00 pm - 10:30 pm  Saturday & Sunday: ►Sentro Balita Weekend - 1:30 - 2:00 pm ►Ulat Bayan Weekend - 6:15 pm - 7:00 pm

Transcript

00:00Emergency Loan para sa mga miembro ng GSIS mula sa mga calamity areas.

00:04Ating tatalakayin kasama si Sir Joseph Philip Andres,

00:08ang Senior Vice President ng NCR Operations Group ng GSIS.

00:12Sir Andres, magandang tanghali po.

00:16Magandang tanghali po, ASEC Weng at ASEC Joey at sa lahat ng inyong mga tagasubaybay.

00:22Maginawang hapon po.

00:24Sir, ano po yung sakop ng inilunsad na Emergency Loan Facility ng GSIS

00:28at aling mga lugar po, yung kasalukuyang maaaring mag-avail nito?

00:33Okay, ASEC Weng.

00:35The Emergency Loan Program is a program being offered by GSIS for its members

00:40who are either residing in a place which has been declared as a calamity zone

00:45or are there working in an office which is situated in that calamity zone.

00:51And sa atin mga pensioners po, if they are residing in an area

00:55which has been declared as under a state of calamity.

00:59Nagsimula po tayo kahapon na i-offer ito.

01:02Nagsimula sa province of Cavite, Quezon City, sa Umingan, Pangasinan at sa Kalumpit-Bulacan

01:10pero humahaban na po ang listahan.

01:12Just this day po, nag-open na rin po kami para sa Manila,

01:15sa Malabon, Navotas, Valenzuela, Las Piñas, province of Pampanga, province of Bataan at marami pa.

01:22Kaya nga po, we are expecting this list to grow further

01:27as the local government units submit their declarations of state of calamity po.

01:33Ano po ang requirements para po makapag-apply nitong emergency loan?

01:38Although nasabi niyo, sir, na yung LGU magsasubmit din po ng declaration of state of calamity.

01:45Tama po ba?

01:45Tama po yan, asik Joey.

01:48So, pwede nalik pa magpautang sa ating mga active members at pensioners.

01:53Para sa active members po, dapat nakatira.

01:55Gaya na sinabi ko kanina, nakatira o nagkatrabaho sa calamity declared area.

01:59Dapat nasa active service, walang pending administrative case,

02:03at merong hulog sa kanilang GSIS premiums for at least 3 months.

02:08At dapat po, pinaka-importante,

02:10ang kanilang net take-home pay after deducting the monthly amortization of this emergency loan

02:15ay hindi po bababa sa 5,000 pesos,

02:17which is the requirement under the General Appropriations Act.

02:21Para sa ating mga pensioners naman,

02:22kailangan after they apply for this emergency loan,

02:26dapat naman po ang kanilang pension ay hindi bababa sa 25% ng gross pension

02:31matapos ang loan deduction.

02:33So, sir, pwede nyo po bang i-elaborate yung tungkol naman dyan sa mga retirado

02:38at saka paki-explain po kung magkano yung maaaring mahiram

02:41ng isang miyembro na may dating emergency loan

02:44at sa mga miyembro na first time pa lang mag-apply?

02:49Thank you for that question, Asekweng.

02:52Yes, ang ating general rule is that the emergency loan is for 20,000 pesos.

02:57So, if you're a first time available, yan po ang maloan nyo sa GSIS.

03:01Yes, napakababa po ng interest rate.

03:03It is at 6%, that's the lowest in the market.

03:07And hindi po kami nag-impose ng processing fee or ng service fee.

03:12To put it in context po,

03:13ang monthly amortization po ng iyong 20,000 pesos loan,

03:17which is payable in 36 equal monthly amortizations,

03:20ay pumapanda ka lang po sa 655.56 pesos.

03:24So, 656, i-round up na po natin.

03:27So, ganun po yan.

03:29Yung sinabi nyo po kanina na what if you have an existing loan?

03:32Tama po yan dahil alam naman po natin sa panahon ito,

03:35dahil sa global warming perhaps,

03:38na nag-loan ka last year,

03:40you have three years to pay,

03:41hindi pa po tapos, di ba?

03:43So, for those na meron pang balance,

03:44they could loan as much as 40,000 pesos,

03:48but their net take home will only be 20,000 pesos.

03:52Paano po ba yan?

03:53Kunyari po, meron pang balance,

03:55si Juan de la Cruz na nangutang 15 months ago.

03:59Meron pa siyang balancing 10,000 pesos.

04:01Pag mangutang po siya ngayon,

04:02ang magiging loan po niya ay 30,000 pesos

04:04para po mabayaran yung old loan niya

04:07na nakabukas,

04:08yung 10,000 pesos na yun,

04:10at makuha niya yung 20,000 pesos ngayon.

04:12So, ganun po tayo.

04:14We are responding,

04:16kasi nga po alam natin,

04:18dati, malimit lang tumama itong mga kalamidad na ito,

04:21pero dahil nga po,

04:23nagsusunod-sunod na,

04:24at nakakaabutan na,

04:25hindi nyo pa tapos bayaran yung dati yung utak,

04:27at meron na naman,

04:28kaya po, ginawa namin merong mas malaki

04:30for those who have previously availed,

04:33dahil nga po,

04:34sa ganitong klaseng sitwasyon,

04:35kailangan natin yung immediate assistance,

04:37dahil baka binaha sila,

04:39o tinangayong bubong nila,

04:41nagkabutas yung bahay nila,

04:43so kailangan nila tapal,

04:44at kailangan nila instant liquidity,

04:47kaya po, in-offer namin itong loan na ito.

04:50Sir, alinsunod po sa direktiba

04:53ni Pangulong Ferdinand R. Marcos Jr.

04:55na i-streamline at i-digitalize yung mga proseso po.

04:59So, magagamit po ba itong GSIS Touch Mobile,

05:03sa pag-apply nitong emergency loan,

05:05at paano po yung prosedyo?

05:06Ako, asek, Joey,

05:08napakaganda nung tanong mo yan,

05:09at butin na-mention mo,

05:11kasi nga po,

05:11to give context lang po,

05:15nag-extract po kami ng data

05:17that as of one day pa po namin na-offer,

05:21na nakapag-grant na kami ng

05:22P304.9 million pesos

05:25in emergency loans.

05:27So, kahapon pa lang,

05:28one day pa lang po yan,

05:29when there were only four LGUs.

05:31And nakita po namin sa datos namin

05:33that only less than one-tenth of one percent,

05:38ganun po kala kaya,

05:39ganun po ang liit,

05:40one-tenth of one percent

05:41ang pupunta pa sa office

05:43na either magpap-file ng paper,

05:47yung traditional natin,

05:48or gagamitin yung kiosk namin.

05:5099% of those who availed of this emergency loan

05:55got it through their GSIS Touch na app.

06:01Ito po yung in-house developed na app ng GSIS

06:05na halos lahat po,

06:07mayubilang mo lang sa dalawang kamay mo

06:09sa lahat ng mga nag-avail

06:10na hindi pa ginamitin yung

06:12itong mobile app na ito.

06:13Dahil,

06:14napaka-convenient po.

06:15Dahil,

06:16this is proof that GSIS

06:18has been embracing po

06:20yung call ng ating Pangulo

06:22for that digital transformation.

06:24Kaya nga po kami,

06:25we're very proud of this app

06:26dahil napakadami pong functions nito

06:28gaya po ngayon,

06:30nangailangan kayo ng loan.

06:31Hindi nyo po kailangan pumunta sa opisina namin.

06:33Bagamat pag pumunta kayo dito sa head office namin

06:35or sa Quezon City branch office,

06:37meron pa rin po kami mga tao na tinalaga doon

06:39para mag-assist.

06:40Just in case,

06:41there are members

06:42na merong challenge in terms of technology.

06:45Pero halos lahat po

06:46ay dito na po ginagawa.

06:48Dito sa napaka-powerful app na ito.

06:50Kaya po,

06:51napapanood ko kanina yung mga situationers nyo,

06:53yung file video.

06:55Pag pumunta po kayo sa GSIS office,

06:56hindi na po ganun ang foot traffic

06:58dahil po nga

06:59our members are transacting digitally already

07:02through this platform.

07:04And we are encouraging our members

07:05to continue using this

07:07dahil binisenyo po ito in-house

07:09para po sa kanilang ginhawa

07:11so that they will be saved

07:13the time and the money

07:15in commuting to and from their office

07:17just to transact.

07:18Ngayon po,

07:19at the convenience of their smartphone

07:21in their houses,

07:22in their places of work,

07:25pwede na po sila mag-transact sa GSIS.

07:27Maska anong klaseng transaction po,

07:28all the majority po

07:29ay nakaload na po dito sa app namin.

07:31Kaya po,

07:32we are very proud of our ITSG group,

07:34yung IT namin dito sa GSIS

07:36dahil in-house po na na-develop ito.

07:38Okay, sir, may tanong po mula sa GMA Newsdesk.

07:41Ano-ano pa pong available calamity loan programs

07:44and services ng GIS

07:45at paano po ito maa-avail?

07:47Meron din po bang adjustments

07:48tulad ng lower interest rates ng SSS?

07:51Ito po,

07:53ang aming emergency loan po

07:55ay fixed po siya at 6%

07:57dahil po,

07:58yun ang buong pinakamababa na sa merkado.

08:01But,

08:01in terms of eligibility po,

08:03monitor nyo lang po sa aming website

08:05or sa aming Facebook account

08:06dahil nga po,

08:08gaya na sinabi ko kanina,

08:09ay lumadami pa itong listahan

08:11ng mga local government units

08:14na nagbibigay ng kanilang

08:15Declaration of State of Calamity,

08:16which is the primary document

08:19which is required

08:20para po ma-entitle ang ating mga membro

08:23na mag-avail ng loan na ito.

08:26Siyempre po,

08:26we could understand naman po

08:28that some of the LGUs

08:29are just submitting their requirements now

08:32dahil po they might have been

08:34spending their resources

08:35in rescue and relief operations

08:38for the assistance of their constituents

08:41within their territorial jurisdictions.

08:42Kaya nga po,

08:43wahaba pa po itong listahan na ito.

08:45So,

08:46monitor lang po

08:47in terms of availability.

08:50In fact,

08:50if you look at your app,

08:53pag-scroll nyo po sa

08:54claims available,

08:56sa loans available,

08:57makita nyo po doon

08:58whether or not you are qualified

09:00kasi po,

09:00tinatag naman po namin yan

09:02depending on where you are residing

09:04or depending on where

09:06your place of work is situated.

09:09Alright,

09:10maraming salamat po sa inyong oras.

09:11Sir Joseph Philip Andres,

09:13Senior Vice President ng NCR Operations Group ng GSIS.

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