Guide on Pag-IBIG MP2 Table for Members
PAG-IBIG MP2 TABLE – Here is a guide for members who want to save Php 1,000 monthly under the MP2 Savings program of the Fund.
Are you interested to save and grow your money under the Pag-IBIG MP2 Savings? It is one assured way of growing your money in a guaranteed way. You can check the tables below on how much you may earn.
Do you wish to save Php 1,000 monthly under the Pag-IBIG MP2 Savings? The rate at which you money may grow or how much you can get depends if you will get an annual dividend payout or a compounded savings.
Here is the Pag-IBIG MP2 table for Php 1,000 monthly savings under an annual dividend payout:
| Annual Dividend Payout | |||||
| Month Covered | Monthly Savings (MS) | Accumulated MS per year | Cumulative Savings | Annual Dividend Payout | Total Accumulated Value TAV) |
| Jan-Dec 2020 | 1,000.00 | 12,000.00 | 12,000.00 | 487.50 | 12,000.00 |
| Jan-Dec 2021 | 1,000.00 | 12,000.00 | 24,000.00 | 1,387.50 | 24,000.00 |
| Jan-Dec 2022 | 1,000.00 | 12,000.00 | 36,000.00 | 2,287.50 | 36,000.00 |
| Jan-Dec 2023 | 1,000.00 | 12,000.00 | 48,000.00 | 3,187.50 | 48,000.00 |
| Jan-Dec 2024 | 1,000.00 | 12,000.00 | 60,000.00 | 4,087.50 | 60,000.00 |
| TOTAL | – | 60,000.00 | – | 11,437.50 | 60,000.00 |
Here is the Pag-IBIG MP2 table for Php 1,000 monthly savings under compounded savings:
| Compounded Savings | |||||
| Month Covered | Monthly Savings (MS) | Accumulated MS per year | Cumulative Savings | Dividend Amount | Total Accumulated Value TAV) |
| Jan-Dec 2020 | 1,000.00 | 12,000.00 | 12,000.00 | 487.50 | 12,487.50 |
| Jan-Dec 2021 | 1,000.00 | 12,000.00 | 24,487.50 | 1,424.06 | 25,911.56 |
| Jan-Dec 2022 | 1,000.00 | 12,000.00 | 37,911.56 | 2,430.87 | 40,342.43 |
| Jan-Dec 2023 | 1,000.00 | 12,000.00 | 52,342.43 | 3,513.18 | 55,855.61 |
| Jan-Dec 2024 | 1,000.00 | 12,000.00 | 67,855.61 | 4,676.67 | 72,532.28 |
| TOTAL | – | 60,000.00 | – | 12,532.28 | 72,532.28 |
Claim Pag-IBIG MP2 Savings. With regards to the process in claiming the dividend under the Pag-IBIG MP2 Savings, it can be done after five (5) years through an over-the-counter withdrawal or through online via the Virtual Pag-IBIG. In case the savings is not claimed after the maturity date, there will be changes on the dividend rate.
After 5 years, the dividend rate will not be the dividend rate under the MP2 Savings but under the Pag-IBIG Regular Savings. It will be under it for two (2) years.
A member can withdraw the MP2 Savings before the 5-year maturity under certain cases such as the following:
Active Pag-IBIG Members
- Total disability or insanity
- Termination from employment due to health reasons
- Retirement
- Permanent migration to another country
- Unemployment due to layoff or company closure
- OFW repatriation from the host country
- Death of the MP2 account holder, with the MP2 Savings to be received by the member’s beneficiaries
- Critical illness of the MP2 account holder or an immediate family member, certified
- Other meritorious grounds as may be approved by the Pag-IBIG Fund Board of Trustees
Retirees and/or Pensioners
- Total disability or insanity
- Death of the MP2 account holder, with the MP2 Savings to be received by the member’s beneficiaries
- Critical illness of the MP2 account holder or an immediate family member, certified by a licensed physician, and subject to approval by Pag-IBIG Fund
- Other meritorious grounds as may be approved by the Pag-IBIG Fund Board of Trustees
Members with compounded dividend payout on their MP2 Savings
- Principal MP2 Savings;
- 50% of the total dividends earned from prior years; and
- 50% of the dividends for the current year, which shall be released after the dividends for the said year have been declared and credited.
MP2 Savings with annual dividend payouts
- Principal MP2 Savings, with 50% of the total dividends received from prior years to be deducted from proceeds; and
- 50% of the dividends for the current year, which shall be released after the dividends for the said year have been declared and credited.