{"id":2824,"date":"2023-01-20T09:47:47","date_gmt":"2023-01-20T09:47:47","guid":{"rendered":"https:\/\/kabayanremit.com\/blog\/?p=2824"},"modified":"2023-01-20T09:47:47","modified_gmt":"2023-01-20T09:47:47","slug":"mp2-economies-et-pag-ibig","status":"publish","type":"post","link":"https:\/\/kabayanremit.com\/blog\/fr-ca\/financer\/mp2-economies-et-pag-ibig\/","title":{"rendered":"Faire fructifier votre patrimoine avec les comptes d'\u00e9pargne Pag-IBIG et MP2"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673002998159\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Bien que mettre de l'argent de c\u00f4t\u00e9 sur un compte d'\u00e9pargne soit une bonne id\u00e9e, votre argent risque de ne plus valoir autant lorsque vous l'utiliserez plus tard, en raison de facteurs tels que l'inflation.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672919226579\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>C'est pourquoi il est important de faire fructifier votre argent.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672919239085\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Heureusement, il existe deux programmes garantis par le gouvernement pour les Philippins qui cherchent \u00e0 augmenter leur \u00e9pargne avec un risque minimal : Pag-IBIG Regular Savings et MP2 Savings.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672919260142\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Avant d'aborder ces deux programmes, parlons de Pag-IBIG.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >Qu'est-ce que Pag-IBIG ?<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1672920207744\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/1-mp2-savings.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"1-mp2-\u00e9pargne\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/1-mp2-savings.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/1-mp2-savings-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/1-mp2-savings-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920266036\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Si ce mot signifie \u00e9galement \"amour\" en philippin, en ce qui concerne vos finances, Pag-IBIG signifie Pagtulungan sa Kinabukasan : Ikaw, Bangko, Industria, at Gobyerno (Travailler ensemble pour l'avenir : vous, la banque, l'industrie et le gouvernement).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920287129\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>C'est un nom plus accrocheur pour les Philippines. <a href=\"https:\/\/pagibigfund.gov.ph\/history.html\" target=\"_blank\" rel=\"noopener\">Fonds commun de placement pour le d\u00e9veloppement du logement<\/a>qui a pour but d'aider les Philippins \u00e0 acc\u00e9der \u00e0 un logement de qualit\u00e9 dans le pays.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920319114\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>\"En effet, Pag-IBIG exploite ces quatre secteurs de notre soci\u00e9t\u00e9 (citoyens, banques, industrie et gouvernement) pour fournir \u00e0 ses membres un logement ad\u00e9quat par le biais d'un syst\u00e8me d'\u00e9pargne efficace\", a d\u00e9clar\u00e9 le ministre de l'\u00e9conomie et des finances. <a href=\"https:\/\/lawphil.net\/administ\/pag-ibig\/pag-ibig.html\" target=\"_blank\" rel=\"noopener\">Le projet LawPhil<\/a>, une ressource juridique g\u00e9r\u00e9e par le <a href=\"https:\/\/arellanolaw.org\/\" target=\"_blank\" rel=\"noopener\">Fondation juridique Arellano<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920394642\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Gr\u00e2ce aux contributions des citoyens \u00e0 Pag-IBIG par le biais de ses programmes d'\u00e9pargne r\u00e9guli\u00e8re et MP2, le fonds devrait \u00eatre en mesure de.. :<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920405532\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Fournir des logements abordables aux membres du Pag-IBIG, y compris des logements \u00e0 bas prix et des logements sociaux.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920433174\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Offrir aux membres et aux non-membres du Pag-IBIG davantage d'options en encourageant la concurrence dans le secteur du logement.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920443650\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Stimuler l'\u00e9conomie dans un plus grand nombre de r\u00e9gions des Philippines<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >Suis-je tenu de payer Pag-IBIG ?<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1672930839829\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/3-mp2-savings.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"3-mp2-\u00e9conomies\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/3-mp2-savings.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/3-mp2-savings-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/3-mp2-savings-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673003241287\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Oui, sur la base de <a href=\"http:\/\/legacy.senate.gov.ph\/republic_acts\/ra%209679.pdf\" target=\"_blank\" rel=\"noopener\">Loi de la R\u00e9publique 9679<\/a> ou la Home Development Mutual Fund Law de 2009, tous les employ\u00e9s couverts par les programmes d'assurance publique des Philippines appel\u00e9s <a href=\"https:\/\/www.sss.gov.ph\/sss\/\" target=\"_blank\" rel=\"noopener\">Syst\u00e8me de s\u00e9curit\u00e9 socialis\u00e9<\/a> (SSS) et la <a href=\"https:\/\/www.gsis.gov.ph\/\" target=\"_blank\" rel=\"noopener\">Syst\u00e8me d'assurance des services publics<\/a> (GSIS) doivent verser des contributions au fonds Pag-IBIG. Cela inclut les OFWs.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920606728\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Les seuls Philippins qui ne sont pas tenus de s'affilier \u00e0 Pag-IBIG, mais qui peuvent volontairement verser des cotisations, sont ceux qui se sont install\u00e9s de mani\u00e8re permanente \u00e0 l'\u00e9tranger ou qui y sont d\u00e9j\u00e0 naturalis\u00e9s.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920632996\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Le programme d'\u00e9pargne MP2 est volontaire, mais nous y reviendrons plus en d\u00e9tail dans la suite de l'article.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920657089\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>A <a href=\"https:\/\/www.pagibigfund.gov.ph\/document\/pdf\/popsite\/Joint%20POEA%20-%20Pag-IBIG%20Fund%20Advisory_Signed.pdf\" target=\"_blank\" rel=\"noopener\">conseil conjoint<\/a> publi\u00e9 au d\u00e9but de l'ann\u00e9e 2022 par Pag-IBIG et le D\u00e9partement des travailleurs migrants (DMW, anciennement Administration philippine de l'emploi outre-mer ou POEA) renforce l'application de la loi de la R\u00e9publique 9679.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673003360845\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>D\u00e9sormais, tous les OFW, ou toute personne souhaitant devenir OFW, doivent poss\u00e9der un num\u00e9ro d'identification de membre Pag-IBIG (MID).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920685083\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Ce MID est un champ obligatoire pour tout OFW ou futur OFW. <a href=\"https:\/\/onlineservices.dmw.gov.ph\/OnlineServices\/POEAOnline.aspx\" target=\"_blank\" rel=\"noopener\">Compte DMW e-Registration<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920699563\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Avant de pouvoir quitter les Philippines, un OFW doit payer ses cotisations au Pag-IBIG lors du traitement de son Overseas Employment Certificate (OEC) (certificat d'emploi \u00e0 l'\u00e9tranger).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920745520\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Selon le <a href=\"https:\/\/www.onenews.ph\/articles\/ofws-now-required-to-pay-pag-ibig-contribution\" target=\"_blank\" rel=\"noopener\">ONENews<\/a>Les OECS sont des \"autorisations de sortie\" obligatoires d\u00e9livr\u00e9es par le DMW. Avec un OEC, un OFW a <a href=\"https:\/\/polosingapore.dole.gov.ph\/services-2\/issuance-of-oec\/\" target=\"_blank\" rel=\"noopener\">la documentation<\/a> de leur emploi \u00e0 l'\u00e9tranger et est exon\u00e9r\u00e9 de la taxe de voyage et des redevances a\u00e9roportuaires.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >Qu'est-ce que le programme d'\u00e9pargne r\u00e9guli\u00e8re Pag-IBIG ?<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1672931133489\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/4-mp2-savings.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"4-mp2-\u00e9conomies\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/4-mp2-savings.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/4-mp2-savings-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/4-mp2-savings-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672920936774\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Contrairement \u00e0 l'\u00e9pargne MP2, l'\u00e9pargne <a href=\"https:\/\/www.pagibigfund.gov.ph\/FAQ_RS.html\" target=\"_blank\" rel=\"noopener\">\u00c9pargne r\u00e9guli\u00e8re Pag-IBIG<\/a> est obligatoire.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673003495710\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Vous placez une partie de votre \u00e9pargne dans le fonds Pag-IBIG pour les 20 prochaines ann\u00e9es et vous percevez chaque ann\u00e9e des dividendes exon\u00e9r\u00e9s d'imp\u00f4ts.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673003638966\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>\u00c0 partir de 2021, le taux de dividende de l'\u00e9pargne r\u00e9guli\u00e8re s'\u00e9l\u00e8ve \u00e0 <a href=\"https:\/\/www.pagibigfund.gov.ph\/Membership_RegularSavings.html\" target=\"_blank\" rel=\"noopener\">5.50%<\/a>Il a toutefois atteint 7,61% en 2017 et s'est \u00e9tabli \u00e0 une moyenne de <a href=\"http:\/\/www.philippine-embassy.org.sg\/wp-content\/uploads\/PAGIBIG_briefer.pdf\" target=\"_blank\" rel=\"noopener\">6.09%<\/a> de 2014 \u00e0 2018. Cette r\u00e9mun\u00e9ration est sup\u00e9rieure \u00e0 celle d'un compte d'\u00e9pargne bancaire classique.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673003682127\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Pour commencer, la contribution minimale au Pag-IBIG est de 100 PHP ; mais si vous souhaitez obtenir plus de dividendes, vous devrez contribuer davantage.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921002740\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>En tant qu'OFW, vous pouvez augmenter vos contributions en<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921014687\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Se connecter \u00e0 <a href=\"https:\/\/www.pagibigfundservices.com\/virtualpagibig\/\" target=\"_blank\" rel=\"noopener\">Pag-IBIG virtuel<\/a><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921025656\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Se rendre dans une agence Pag-IBIG<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921037448\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Payer par l'interm\u00e9diaire des partenaires agr\u00e9\u00e9s de Pag-IBIG<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921058910\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Pour vous donner une meilleure id\u00e9e du montant que vous pouvez placer dans Pag-IBIG, voici ce qu'il advient de votre argent apr\u00e8s 20 ans dans le programme d'\u00e9pargne ordinaire avec un taux de dividende de 6,09% :<\/p>\n\n\t\t<\/div>\n\t<\/div>\n[vc_table vc_table_theme=&#8221;classic&#8221;]Monthly%20savings,Savings%20in%2020%20years,Total%20dividends%20earned%20at%206.09%25*,Total%20accumulated%20savings%20in%2020%20years%20with%206.09%25%20dividend%20rate|200.00,48%2C000.00,44%2C085.00,92%2C085.00|600.00,144%2C000.00,132%2C254.99,276%2C254.99|1%2C200.00,288%2C000.00,264%2C509.97,552%2C509.97|2%2C000.00,480%2C000.00,440%2C849.96,920%2C849.96|3%2C000.00,720%2C000.00,661%2C274.93,1%2C381%2C274.93[\/vc_table]\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921469866\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>*6,09% est bas\u00e9 sur les taux de dividendes moyens de 2014 \u00e0 2018. Le taux de dividende r\u00e9el est bas\u00e9 sur le revenu annuel du fonds.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921483466\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Source : <a href=\"http:\/\/www.philippine-embassy.org.sg\/wp-content\/uploads\/PAGIBIG_briefer.pdf\" target=\"_blank\" rel=\"noopener\">Ambassade des Philippines \u00e0 Singapour<\/a><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921497192\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Bien que cela semble prometteur, n'oubliez pas que ce taux de dividende peut augmenter ou diminuer en fonction des b\u00e9n\u00e9fices r\u00e9alis\u00e9s par Pag-IBIG au cours d'une ann\u00e9e.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >Puis-je retirer mon \u00e9pargne Pag-IBIG ?<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1672931043549\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/5-mp2-savings.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"5-mp2-\u00e9conomies\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/5-mp2-savings.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/5-mp2-savings-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/5-mp2-savings-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673003794729\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Vous ne pouvez retirer votre \u00e9pargne r\u00e9guli\u00e8re Pag-IBIG et vos revenus de dividendes exon\u00e9r\u00e9s d'imp\u00f4ts qu'apr\u00e8s 20 ans. Ce d\u00e9lai est plus long que celui de l'\u00e9pargne MP2, pour laquelle votre <a href=\"https:\/\/kabayanremit.com\/blog\/finance\/types-of-investments\/\">investissement<\/a> arrive \u00e0 maturit\u00e9 apr\u00e8s 5 ans.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921612462\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Certaines conditions peuvent vous permettre de retirer votre \u00e9pargne r\u00e9guli\u00e8re plus t\u00f4t. Ces conditions sont les suivantes<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921619896\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Retraite<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921628963\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Invalidit\u00e9 permanente ou ali\u00e9nation mentale<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921641066\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Probl\u00e8mes de sant\u00e9 qui vous ont emp\u00each\u00e9 de travailler<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921650626\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Quitter d\u00e9finitivement les Philippines<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921657887\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>La mort<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672921668457\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Une maladie grave dans la famille proche<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673004760467\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Vous pouvez demander un retrait anticip\u00e9 pour d'autres raisons que celles mentionn\u00e9es ci-dessus, mais vous devrez attendre l'approbation du Conseil d'administration de Pag-IBIG.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673004389827\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Nous avons beaucoup parl\u00e9 de l'\u00e9pargne MP2 dans ce blog, alors parlons-en et voyons en quoi elle diff\u00e8re du programme d'\u00e9pargne ordinaire de Pag-IBIG.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >Qu'est-ce que l'\u00e9pargne MP2 ?<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1672932428990\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/6-mp2-savings.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"6-mp2-\u00e9conomies\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/6-mp2-savings.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/6-mp2-savings-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/6-mp2-savings-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672936548690\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Abr\u00e9viation de Modified Pag-IBIG 2 Savings (\u00e9pargne modifi\u00e9e Pag-IBIG 2), la <a href=\"https:\/\/www.pagibigfund.gov.ph\/Membership_ModifiedPagIBIG2.html\" target=\"_blank\" rel=\"noopener\">MP2 Programme d'\u00e9pargne<\/a> permet aux membres de Pag-IBIG d'\u00e9pargner volontairement et de percevoir plus de dividendes dans un d\u00e9lai plus court.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672927243071\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Avec un d\u00e9p\u00f4t minimum de 500 PHP, vous pouvez b\u00e9n\u00e9ficier d'un taux de dividende plus \u00e9lev\u00e9 et augmenter rapidement votre \u00e9pargne en cinq ans.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672936535717\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Il n'y a pas non plus de limite au montant que vous pouvez d\u00e9poser et au nombre de comptes d'\u00e9pargne MP2 que vous pouvez ouvrir. Si vous le souhaitez, vous pouvez donc d\u00e9poser plus d'un million de PHP.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672927334513\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Toutefois, pour les d\u00e9p\u00f4ts sup\u00e9rieurs \u00e0 100 000 PHP, vous devrez pr\u00e9senter un justificatif de revenus. Si vous d\u00e9posez 500 000 PHP en une seule fois, vous devrez \u00e9galement \u00e9mettre un ch\u00e8que personnel ou un ch\u00e8que de gestion.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672927367079\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Quel que soit le montant que vous souhaitez \u00e9pargner, vous pouvez \u00e9taler vos paiements par des versements mensuels ou verser la totalit\u00e9 du montant en une seule fois. Tout d\u00e9pend de votre capacit\u00e9 \u00e0 \u00e9pargner.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >Quel est le montant des dividendes de MP2 Savings ?<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1672933534428\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/7-mp2-savings.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"7-mp2-\u00e9conomies\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/7-mp2-savings.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/7-mp2-savings-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/7-mp2-savings-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672927436242\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>En 2021, le taux de dividende de MP2 Savings est de 6,00%. En 2017, le taux de dividende de MP2 Savings a atteint 8,11%.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672927462134\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Ces taux sont sup\u00e9rieurs \u00e0 ceux du programme d'\u00e9pargne r\u00e9guli\u00e8re de Pag-IBIG et \u00e0 la plupart des taux d'int\u00e9r\u00eat bancaires, qui sont g\u00e9n\u00e9ralement inf\u00e9rieurs \u00e0 2%.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672937518647\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Au lieu d'attendre cinq ans pour que votre compte arrive \u00e0 \u00e9ch\u00e9ance, vous pouvez recevoir vos dividendes annuellement par le biais d'un compte d'\u00e9pargne ou d'un compte courant. Cette op\u00e9ration doit \u00eatre effectu\u00e9e par l'interm\u00e9diaire d'une banque accr\u00e9dit\u00e9e ou d'un ch\u00e8que \u00e9mis \u00e0 votre nom. Il s'agit d'un avantage suppl\u00e9mentaire par rapport au programme obligatoire Pag-IBIG, dans le cadre duquel vous devez attendre deux d\u00e9cennies pour retirer votre argent.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672927531731\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Pour vous aider \u00e0 imaginer comment votre \u00e9pargne va fructifier, voici un exemple de calcul tir\u00e9 du site officiel de Pag-IBIG, dans lequel vous percevez des dividendes annuels et dans lequel vous recevez des dividendes de l'\u00c9tat. <a href=\"https:\/\/www.investopedia.com\/terms\/c\/compounding.asp\" target=\"_blank\" rel=\"noopener\">compos\u00e9<\/a> votre \u00e9pargne ou ajouter les revenus de l'ann\u00e9e derni\u00e8re \u00e0 l'\u00e9pargne de cette ann\u00e9e :<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672927974430\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Pour une \u00e9pargne mensuelle de 500 PHP - Dividende annuel<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n[vc_table vc_table_theme=&#8221;classic&#8221;]Year,Monthly%20savings%20(MS),Accumulated%20MS%20per%20year,Cumulative%20savings,Annual%20dividend%20payout,Total%20accumulated%20value|2020,500.00,6%2C000.00,6%2C000.00,243.75,6%2C000.00|2021,500.00,6%2C000.00,12%2C000.00,693.75,12%2C000.00|2022,500.00,6%2C000.00,18%2C000.00,1%2C143.75,18%2C000.00|2023,500.00,6%2C000.00,24%2C000.00,1%2C593.75,24%2C000.00|2024,500.00,6%2C000.00,30%2C000.00,2%2C043.75,30%2C000.00[\/vc_table]\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672928310418\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Pour une \u00e9pargne mensuelle de 500 PHP - Epargne compos\u00e9e<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n[vc_table vc_table_theme=&#8221;classic&#8221;]Year,Monthly%20savings%20(MS),Accumulated%20MS%20per%20year,Cumulative%20savings,Annual%20dividend%20payout,Total%20accumulated%20value|2020,500.00,6%2C000.00,6%2C000.00,243.75,6%2C243.75|2021,500.00,6%2C000.00,12%2C243.75,712.03,12%2C955.78|2022,500.00,6%2C000.00,18%2C955.78,1%2C215.43,20%2C171.21|2023,500.00,6%2C000.00,26%2C171.21,1%2C756.59,27%2C927.81|2024,500.00,6%2C000.00,33%2C927.81,2%2C338.34,36%2C266.14[\/vc_table]\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672937664024\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Comme pour l'\u00e9pargne ordinaire de Pag-IBIG, le taux de dividende du MP2 Savings varie chaque ann\u00e9e en fonction des revenus de Pag-IBIG. Cependant, le calcul ci-dessus montre combien vous pouvez gagner en cinq ans.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672928735146\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>\u00c0 l'\u00e9ch\u00e9ance de votre compte d'\u00e9pargne MP2, vous pouvez retirer votre \u00e9pargne et les dividendes exon\u00e9r\u00e9s d'imp\u00f4t, ou vous pouvez laisser votre compte ouvert pendant deux ann\u00e9es suppl\u00e9mentaires et percevoir des dividendes aux taux d'\u00e9pargne habituels de Pag-IBIG. Vous pouvez \u00e9galement ouvrir un nouveau compte d'\u00e9pargne MP2 et y transf\u00e9rer votre \u00e9pargne accumul\u00e9e vers <a href=\"https:\/\/grit.ph\/pag-ibig-mp2\/\" target=\"_blank\" rel=\"noopener\">continuez \u00e0 le faire cro\u00eetre<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >Comment retirer mon \u00e9pargne MP2 ?<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1672933975715\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/8-mp2-savings.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"8-mp2-\u00e9conomies\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/8-mp2-savings.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/8-mp2-savings-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/8-mp2-savings-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672929083458\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Vous devrez attendre cinq ans avant de pouvoir retirer la totalit\u00e9 de votre \u00e9pargne MP2.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672929114878\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Lorsque votre compte arrive \u00e0 maturit\u00e9, vous pouvez remplir un formulaire de demande d'ouverture de compte. <a href=\"https:\/\/www.pagibigfund.gov.ph\/document\/pdf\/dlforms\/providentrelated\/PFF285_ApplicationProvidentBenefitsClaim_V07.pdf\" target=\"_blank\" rel=\"noopener\">Formulaire de demande de prestations de pr\u00e9voyance<\/a> et le soumettre en ligne <a href=\"https:\/\/www.pagibigfundservices.com\/virtualpagibig\/BenefitClaimsReminder.aspx?reason=A00773C6E2F65AEA\" target=\"_blank\" rel=\"noopener\">ici<\/a>. Votre demande en ligne devra \u00e9galement comporter les \u00e9l\u00e9ments suivants :<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672929124334\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Une photocopie ou un scan d'une pi\u00e8ce d'identit\u00e9 valide<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672929143181\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Une photocopie ou un scan de votre <a href=\"https:\/\/www.pagibigfund.gov.ph\/loyaltycard.html\" target=\"_blank\" rel=\"noopener\">Carte de fid\u00e9lit\u00e9 Pag-IBIG Plus<\/a><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672929157262\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Un selfie avec vous et votre carte d'identit\u00e9 valide et votre carte de fid\u00e9lit\u00e9 Pag-IBIG Plus<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673010675187\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Vous pouvez \u00e9galement d\u00e9poser personnellement votre formulaire de demande dans n'importe quelle agence de Pag-IBIG. Veillez \u00e0 vous munir d'une pi\u00e8ce d'identit\u00e9 valide.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673010817014\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Si vous souhaitez retirer vos fonds avant l'\u00e9ch\u00e9ance du compte, vous devez remplir l'une des conditions suivantes :<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672929196093\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Vous prenez votre retraite<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672937807155\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Vous avez perdu votre emploi en raison de votre \u00e9tat de sant\u00e9<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672937821225\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Vous avez \u00e9t\u00e9 licenci\u00e9 ou votre employeur a ferm\u00e9 ses portes<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672937838164\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Vous \u00eates un OFW qui doit retourner aux Philippines<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672937850988\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Vous \u00eates le b\u00e9n\u00e9ficiaire d'un titulaire de compte d'\u00e9pargne MP2 d\u00e9c\u00e9d\u00e9.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672937857972\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Vous \u00eates gravement malade<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673010892175\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Le conseil d'administration du fonds Pag-IBIG approuve la raison de votre retrait.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672929295215\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Si vous r\u00e9pondez aux crit\u00e8res ci-dessus et que vous retirez votre \u00e9pargne MP2 avant la fin des cinq ans, vous ne pourrez r\u00e9cup\u00e9rer que votre capital et la moiti\u00e9 des dividendes que vous avez per\u00e7us.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >Comment ouvrir un compte d'\u00e9pargne MP2 ?<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1672934460242\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/9-mp2-savings.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"9-mp2-\u00e9conomies\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/9-mp2-savings.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/9-mp2-savings-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2023\/01\/9-mp2-savings-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673010987036\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Si vous avez d\u00e9cid\u00e9 de faire fructifier vos fonds avec MP2 Savings, vous pouvez ouvrir un compte en ligne via ce lien. <a href=\"https:\/\/www.pagibigfundservices.com\/MP2Enrollment\/\" target=\"_blank\" rel=\"noopener\">lien<\/a>. Vous pouvez \u00e9galement vous rendre dans n'importe quelle agence Pag-IBIG et soumettre un formulaire d'inscription accompli, qui peut \u00eatre t\u00e9l\u00e9charg\u00e9. <a href=\"https:\/\/www.pagibigfund.gov.ph\/document\/pdf\/dlforms\/providentrelated\/PFF226_ModifiedPagIBIGIIEnrollmentForm_V05.pdf\" target=\"_blank\" rel=\"noopener\">ici<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1673011042734\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Une fois l'inscription r\u00e9ussie, vous recevrez votre num\u00e9ro de compte MP2 Savings et vous pourrez effectuer votre premier d\u00e9p\u00f4t.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >Comment effectuer un d\u00e9p\u00f4t sur mon compte d'\u00e9pargne MP2 ?<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1672934892281\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672929523159\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Vous pouvez alimenter votre compte d'\u00e9pargne MP2 par le biais d'une retenue sur salaire, en vous rendant dans l'agence Pag-IBIG la plus proche ou aupr\u00e8s des partenaires accr\u00e9dit\u00e9s de Pag-IBIG.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672938256481\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Les OFW peuvent utiliser une application s\u00e9curis\u00e9e de transfert d'argent comme Kabayan Remit pour <a href=\"https:\/\/kabayanremit.com\/help-center\/what-bills-can-i-pay-for\/\">envoyer des fonds \u00e0 Pag-IBIG<\/a>. Il vous suffit de suivre les \u00e9tapes suivantes <a href=\"https:\/\/kabayanremit.com\/help-center\/how-to-pay-bills\/\">ici<\/a>et vous pouvez transf\u00e9rer votre argent en toute s\u00e9curit\u00e9 dans l'heure qui suit.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1672929604175\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Pour en savoir plus sur Kabayan Remit et sur la fa\u00e7on dont il peut vous aider \u00e0 effectuer vos transferts d'argent, veuillez cliquer sur <a href=\"https:\/\/kabayanremit.com\/\">ici<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Si mettre de l'argent de c\u00f4t\u00e9 sur un compte d'\u00e9pargne est une bonne id\u00e9e, il se peut qu'il ne suffise pas \u00e0 payer les factures lorsque vous en aurez besoin et que tout sera devenu plus cher. C'est pourquoi il est important de faire fructifier votre argent. Heureusement, il existe deux programmes garantis par le gouvernement pour les Philippins qui cherchent \u00e0 augmenter leur \u00e9pargne avec un risque minimal : Pag-IBIG Regular Savings et MP2 Savings.<\/p>","protected":false},"author":5,"featured_media":2827,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[100],"class_list":["post-2824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-mp2-savings"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>MP2 Savings &amp; Pag-IBIG - Grow your wealth in the Philippines<\/title>\n<meta name=\"description\" content=\"Grow your wealth in the Philippines with MP2 Savings and Pag-IBIG accounts. 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