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The province of Nueva Ecija has a hidden masterpiece of nature, The Minalungao National Park.It is located in the municipality of General Tinio, Nueva Ecija, Central Luzon, 2-3 hours away from Manila.

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With the removal of the salary ceiling, all rank and file employees become entitled to a 13th month pay regardless of the amount of their monthly basic salary (unless their employers are exempted from the application of PD 851).

Managerial employees are excluded from the coverage of the law.

That’s it for the Pag-IBIG Housing Loan process — only seven steps.

Most likely, you will also be asked to make an advanced payment on the first monthly amortization immediately following the loan release. Further Note: If you are buying a property from a real estate developer, this whole process would be easier.

All employees not falling within this definition are considered rank-and-file employees.