Documente Academic
Documente Profesional
Documente Cultură
By Shandy M. Hubilla
I’ve been wanting to visit a PAG-IBIG office otherwise known as Home Mutual
Development Fund (HMDF) for the longest time. Though officially known as HMDF
for some reason the old name stuck. But why PAG-IBIG among the many
government agencies? The first reason is because I’ve been putting off for the past
mom’s advice. “Why buy another property when we have quite a number already?”
That’s what she said when I told her about interest to loan a property thru PAG-
IBIG. She was of course referring to family owned real properties in Camarines Sur.
But now I no longer have an excuse not to pay PAG-IBIG a visit because of our PA
208 assignment. I was encouraged even emboldened by it. The second and perhaps
quite flimsy reason why I chose PAG-IBIG is because I just learned just recently
when I was on self-review last May for the Environmental Planning Board Exam that
speaks of love, the greatest reason for being in my opinion. It’s something that will
outlive us all.
No Pictures Allowed
2
So I eventually made the visit on August 29, 2018, a Thursday at the PAG-IBIG office
The Shaw office is quite large with about 60 plus counters to cater to its clients’
various needs. The first impression is that it is very much state of the art and
modern accentuated by a lot of screens that calls the next client and the next. It
The excited PA 208 student in me started take picture after I scouted the area for a
bit upon my arrival. Much to my surprise, I was reprimanded by one of the security
guards who scolded me, “Bawal magpicture” to my surprise. Feeling a bit offended
as a first-time visitor I told him, “Why? I am a client”. The security guard did not
bother answering my question and instead gave me the look. I thought it was just
the guard having a bad day. Turns out it’s a policy because the person at the
information desk- my first stop- also prohibited me from taking pictures when I
started clicking my mobile phone again. She didn’t bother explaining why it’s not
Counter 36
3
Acquired Asset Management, Digital Records, Foreclosure, Member Relations Desk,
and more. I ended up getting a number for Acquired Asset Management counter.
The whole process of inquiry took less than 15 minutes. And I waited for only about
8 minutes. I had one purpose and one purpose only: To inquire about the acquisition
First, she introduced me to the PAG-IBIG website via a process flow charted
attached on her desk. I learned that there are two modes of foreclosed property
acquisition, auction and negotiated sale. She also gave me a one-page list of the
requirements painstakingly going through them and inquiring from to time if I have
maximum of around PhP 6 Million worth of property. One important advice from
her: Visit the properties you’re interested in before going to the auction or deciding
efficiency. The visit was such a breeze and I had all the information I need in less
than 30 minutes.
4
And because of Sally, the nice lady at the counter, I got excited to visit the PAG-IBIG
The short visit gave me a first hand impression of PAG-IBIG, which hopefully is
represented in the same way by all its other branches, as far as clientele
on the last category because of the lack of explanation on why picture taking is not
allowed.
The other aspects of Dr. Alfiler’s Framework like PAG-IBIG being Pro-Equity,
Decentralized, and Fair could easily be gleaned from its mandate as explained in
Republic Act 9679 or the Home Mutual Fund Law of 2009 and its corresponding
IRR. Besides, different clienteles are being catered to by other housing development
agencies such as the Social Housing Financing Corporation (SHFC), the National
First impression lasts. This one gave me a good impression over all and I will
definitely come back for more, hopefully when I do get a nice foreclosed property
5
6