Hinikayat ng Social Security System (SSS) ang mga retiree-pensioners na samantalahin ang low-interest Pension Loan Program (PLP).
Ayon kay SSS President and Chief Executive Officer Rolando Ledesma Macasaet, mas Magandang solusyon ito sa mga nangangailangan ng pinansyal kaysa tangkilikin ang Sangla-ATM lenders.
Ayon kay Macasaet, nasa 10 porsyento kada taon lamang ang interes ng SSS, hindi hamak na mas mababa sa mga loan shark o mga pautang.
“Aside from low interest rate, SSS will not require them to surrender their ATM cards as collaterals, unlike the practice of some private lending institutions. We also do not charge any processing or service fee when they avail of the pension loan,” pahayag ni Macasaet.
Ayon kay Macasaet, ang mga kwalipikadong retiree-pensioners ay maaring mag-loan ng tatlo, anim, siyam o 12 times ng kanilang basic monthly pension at may P1,000 additional benefit para sa kanilang aggregate monthly pension na may maximum loan amount na nasa P200,000.
Tinitiyak din ng SSS na ang net take-home pension ay nasa 47.25% ng kanilang aggregate monthly pension.
“A pension loan of three and six times the pensioner’s aggregate monthly pension has a payment term of six and 12 months, respectively. On the other hand, a pension loan of nine or 12 times the aggregate monthly pension has a payment term of 24 months,” pahayag ni Macasaet.
Para mag-kwalipika sa PLP, kinakailangan na ang retiree-pensioners ay nasa 85 anyos o pababa, walang deductions gaya ng outstanding loan balance, benefit overpayment payable sa SSS, at sa monthly pension.
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