| CAR LOAN FOR RANK AND FILE | |
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+9yeckyeck GOLDEN batman_E289 migz King Saviour christine 3ems MATEO ganaby way 13 posters |
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ganaby way
Number of posts : 82 Registration date : 2011-07-14
| Subject: CAR LOAN FOR RANK AND FILE Tue Jul 26, 2011 8:00 pm | |
| alexilarde
Number of posts: 28 Registration date: 2010-10-26 Subject: Re: MOTORCYLE LOAN? Today at 4:21 am dapat kung ano ang naibibigay sa mga officers na prebilhiyo sa car loan ay dapat ay ganun din sa mga rank and file kasi pareparehas lang naman tayong empleyado nang bangko
King Saviour
Number of posts: 36 Registration date: 2010-10-26 Subject: Re: MOTORCYLE LOAN? Today at 6:37 am renzz wrote: ... good day all of us landbankers..... i/we are raising this LONGTIME question WHY the motorcyle loan is ONLY for the fieldmen, when, IN REALITY, they RODE the Bank's service vehicle, IF NOT, use PUJ/PUB in the discharge of their functions/duties within the coverage area of their assignment (of course still subject to accounting rules and regulations upon liquidation). WHAT IS REALLY THE ESSENCE/REAL GUIDELINES OF THIS LOAN? IS THIS A SOME KIND OF A SPECIAL PRIVILEGE FOR THE FIELDMEN OR WHAT? IF THAT IS SO, WELL, OUR QUESTION IS ANSWERED. IF NOT, in the interest of FAIR PLAY and JUSTICE, i/we request that all employees will be entitled to this kind of LOAN if the MNTHP will still warrant. Hoping for a careful study and consideration on this matter. Paging Ms. Sonia and other concern lbpeans or even the NEB/LBPEA to revisit this guidelines... maraming salamat po....PEACE !!!
Sana hindi lamang ito applicable sa motorcycle loan kundi pati na rin sa car loan with free interest (pegged to a certain amount), na katulad nang prebilihiyong ipinagkaloob sa mga officers natin. Ano nga ba ang pagkakaiba natin sa kanila? Lahat naman tayo ay nagtatrabaho para sa kapakanan nang ating bangkong may damdaming bayan. MARAMING SALMAT ULI..............
emma_auro@yahoo.com
Number of posts: 78 Registration date: 2011-03-25
Subject: Re: MOTORCYLE LOAN? Today at 9:16 am Super agree ako kay King Saviour! dapat sa ating mga rank n file free ang internest ng car loan kasi tayo ang mabababa ang salaries...kayang kayang mgbayad ng mga officers, bakit sila pa ang free ang interest...masyado talagang unfair...pag sila ang narereassign may housing allowance with increase in RATA if in acting capacity to the next higher rank...DI BA!!!
ganaby way
Number of posts: 6 Registration date: 2011-07-14 Subject: Re: MOTORCYLE LOAN? Today at 12:21 pm madam sonia, sir batman and other lbpea officers, sana bigyan natin nang pansin ang observation nang mga kasamahan natin tulad nina emma_auro@yahoo.com, alexrilarde, King Saviour, atbp., baka puwede niyong idiscuss ito with the management para sa kapakanan nang mga karamihan..............MABUHAY KAYO.....MARAMING MARAMING SALAMAT...... | |
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MATEO
Number of posts : 11 Registration date : 2010-12-30
| Subject: Re: CAR LOAN FOR RANK AND FILE Wed Jul 27, 2011 8:26 am | |
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3ems
Number of posts : 72 Registration date : 2010-09-15
| Subject: Re: CAR LOAN FOR RANK AND FILE Wed Jul 27, 2011 9:26 am | |
| IKAW MATEO PAREHAS LANG KAYO NI LBPEA1 AKA JAKE1 WALANG PAKIAALAM SA KARAMIHAN PURO SARILI NIYO LANG ANG INIISIP NIYO KATULAD MO RIN SI JUAN TAMAD NA DI NAGTATRABAHO NAGHINIHINTAY LANG NANG BIYAYA....IKAW ANG MAHIYA..... | |
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christine
Number of posts : 12 Registration date : 2011-06-27
| Subject: Re: CAR LOAN FOR RANK AND FILE Wed Jul 27, 2011 9:41 am | |
| oopsss. walang away... wag naman ganyan... ginagawa naman ng neb at management what is good for us of course with balancing act na hindi lumubog ang ating barko... dahan dahan lang sa demand...wlang katapusan ang pangangailangan ng tao pero dapat ding balansihin.... | |
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King Saviour
Number of posts : 105 Registration date : 2010-10-26
| Subject: Re: CAR LOAN FOR RANK AND FILE Wed Jul 27, 2011 10:55 am | |
| ang sa amin lang naman ay kung puwede, di ba? proposal lang yan...eh kung gugustuhin e di okey......kung hindi naman e di mas okey, at least walang kaltas sa sweldo................ | |
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migz
Number of posts : 49 Registration date : 2009-12-29
| Subject: Re: CAR LOAN FOR RANK AND FILE Wed Jul 27, 2011 12:05 pm | |
| King Saviour has a point.... I think that it wouldn't do any harm if we ask for this. Other companies have this also for their rank and file, paying 50% for the vehicle's price and the other half shouldered by the employee. In our case, we could ask for a zero percent interest, not just because we deserve it, but its also a way for landbank to help its employees have a better quality of living. Since having a vehicle at this age and time is already a necessity. We could set the bar that vehicles costing P999,000 below would be at zero interest while those that are P1.00MM above would already be subject to the existing interest rates. What do you think guys? The difference from our officers is that they only pay 50% of the cost at zero interest. Am I right? | |
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batman_E289
Number of posts : 544 Age : 46 Registration date : 2010-10-28
| Subject: Re: CAR LOAN FOR RANK AND FILE Wed Jul 27, 2011 2:17 pm | |
| pakitama po ako kung mali ang sasabihin ko, sa pagkakaunawa ko po kasi ay iba ang sitwasyon natin sa LBP. di natin pwedeng ipares sa ibang private banks ang usapin tungkol sa motorcycle loan na walang interest. alalahanin po natin na tayo ay government bank na saklaw ng BSP ruling on fringe benefit. ang LBP motorcycle financing plan ay directly funded by the bank and not by PFO. ang PFO ay fund manager lang ng naturang loan facility.
regarding sa kung sino ang mga qualified for application ay mas mabuting makipag-ugnayan po kayo sa mga Lending Centers in your respective areas. sila po kasi ang maghahandle ng account ng mga nasa field. pfo naman po ang sa mga H.O. based.
tungkol naman po sa engine displacement ng motorcycle na 90-125cc, sa pagkakaalam ko po ay may napagkasunduan na ang PFO at PAD/ERD under AVP Voltaire Pablo III na i-ammend ang nasabing eng. displacement. we will make follow up na lang po sa status ng ammendment ng guidelines.
wag nyo naman po sanang awayin ang mga taong nagpapaalala sa atin na maging prudent sa paggastos. wala naman po siguro silang masamang intensyon at sa tingin ko po ay concern lang sila para ma-enjoy natin ng husto ang ating increase. nasa atin naman po talaga kung paano natin pakinabangan ang ating increase. kung talagang necessity sa atin ang magkaroon ng bagong sasakyan at sa tingin natin ay this is the right time to avail for it, bakit hindi diba. kung sa tingin naman natin na mas makakabuting manatiling simple at gamitin sa pangangailangan ng pamilya ang malaking karagdagan sa ating monthly take home ay mas okay diba. sa huli ay nasa sariling pagpapasya naman ang lahat ng iyan.
salamat po. | |
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ganaby way
Number of posts : 82 Registration date : 2011-07-14
| Subject: Re: CAR LOAN FOR RANK AND FILE Wed Jul 27, 2011 7:41 pm | |
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Last edited by ganaby way on Wed Jul 27, 2011 7:48 pm; edited 1 time in total | |
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King Saviour
Number of posts : 105 Registration date : 2010-10-26
| Subject: Re: CAR LOAN FOR RANK AND FILE Wed Jul 27, 2011 7:55 pm | |
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GOLDEN
Number of posts : 73 Registration date : 2009-12-21
| Subject: Re: CAR LOAN FOR RANK AND FILE Wed Jul 27, 2011 8:16 pm | |
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migz
Number of posts : 49 Registration date : 2009-12-29
| Subject: Re: CAR LOAN FOR RANK AND FILE Wed Jul 27, 2011 11:30 pm | |
| @ sir batman - hindi naman po ang issue here is whether or not we are prudent in the way we handle our money. what they are just asking is would it be possible that us, the rank and file, can also avail of the car loan from pfo at zero interest? that is just the issue here. nothing more, nothing less. if it can be feasible that it be presented for negotiation then well and good. as what ganaby way pointed out, the officers can very well afford to have a car if they want to even with interest. but for us rank and file, its the other way around. | |
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yeckyeck
Number of posts : 2 Registration date : 2011-07-29
| Subject: Re: CAR LOAN FOR RANK AND FILE Fri Jul 29, 2011 7:50 am | |
| "let us be prudent in our spending" translation: gumastos tayo sa prudential (at iba pang katulad na insurance) | |
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ganaby way
Number of posts : 82 Registration date : 2011-07-14
| Subject: Re: CAR LOAN FOR RANK AND FILE Fri Aug 05, 2011 8:01 pm | |
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ganaby way
Number of posts : 82 Registration date : 2011-07-14
| Subject: Re: CAR LOAN FOR RANK AND FILE Mon Aug 08, 2011 7:26 pm | |
| - migz wrote:
- @ sir batman - hindi naman po ang issue here is whether or not we are prudent in the way we handle our money. what they are just asking is would it be possible that us, the rank and file, can also avail of the car loan from pfo at zero interest? that is just the issue here. nothing more, nothing less. if it can be feasible that it be presented for negotiation then well and good. as what ganaby way pointed out, the officers can very well afford to have a car if they want to even with interest. but for us rank and file, its the other way around.
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ganaby way
Number of posts : 82 Registration date : 2011-07-14
| Subject: Re: CAR LOAN FOR RANK AND FILE Mon Aug 08, 2011 7:28 pm | |
| - migz wrote:
- King Saviour has a point.... I think that it wouldn't do any harm if we ask for this. Other companies have this also for their rank and file, paying 50% for the vehicle's price and the other half shouldered by the employee. In our case, we could ask for a zero percent interest, not just because we deserve it, but its also a way for landbank to help its employees have a better quality of living. Since having a vehicle at this age and time is already a necessity. We could set the bar that vehicles costing P999,000 below would be at zero interest while those that are P1.00MM above would already be subject to the existing interest rates. What do you think guys? The difference from our officers is that they only pay 50% of the cost at zero interest. Am I right?
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yellowlady
Number of posts : 79 Registration date : 2011-05-09
| Subject: Re: CAR LOAN FOR RANK AND FILE Mon Aug 08, 2011 7:59 pm | |
| Mga kapuso, eto lang ang facts ano. sa officers ang tawag dyan ay car lease, walang 50% subsidy at walang interest, kasi nga lease. gustong sabihin, PFO ang may ari hanggang di pa fully paid. Bakit sa officer lang? dahil yan ang ginagamit ng marketing officer sa pakikihalobilo sa mga client ng bank. Ikaw kaya ang makipag meeting sa isang big client after office hour, at dumating kayo sa inyong meeting place at nakasakay ka lang sa taxi or sa jeep. May corporate image ka ba nyan? di ba magmumukha kang kawawa. Baka di na magtiwala sayo ang cleyente mo tuloy. Tayong mga rank & file, di ganyan ang trabaho natin, kaya di tayo pweding bigyan ng ganyang fringe benefit. Hayaan ninyo at magiging officer din tayo sa mga darating na panahon at makaka -avail din tayo nyan.
ganon din ang MC loan. Sa mga field personnel lang yan. Kung gusto nyo mag pa assign kayo sa field or sa AOC kaya para lang maka-avail kayo nyan. Take note mga kasama, ang word ay privilege hindi right. Kapag right natin, para sa lahat. Kapag privilege, para lang yan sa iilang employee na may naiibang function na ibinibigay sa employee ng banko para lang maging mas epektibo siya sa kanyang trabaho at banko rin ang manginginabang.
siguro di na tayo dapat mag salita ng salita kapag di precise and info or data na pinopost hane? Tapos mag away-away pa tayo. Basta mahalin na lang natin ang ating trabaho hindi lang dahil eto ang pinanggagalingan ng ikinabubuhay ng pamilya natin, kung hindi eto ang pagkakataon na ibinigay sa atin ng Diyos para pagsilbihan ang ating kapwa tao at ang ating bansa.
LandBank is very generous to us, maghanap nga tayo ng isang govt. agency at tanongin natin kung magkano ang kinikita nila sa isang taon with the same SG. Malalaman mo na lang na almost X2 sa ating Basic salary ang ating actual monthly earning kung ating i annualized and divided by 12 month. Kaya mahalin na lang nating ang Land Bank mga kapuso at kapamilya. amen? | |
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black man
Number of posts : 111 Registration date : 2011-08-09
| Subject: Re: CAR LOAN FOR RANK AND FILE Tue Aug 09, 2011 6:27 am | |
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ganaby way
Number of posts : 82 Registration date : 2011-07-14
| Subject: Re: CAR LOAN FOR RANK AND FILE Thu Aug 11, 2011 7:24 pm | |
| migs wrote:
King Saviour has a point.... I think that it wouldn't do any harm if we ask for this. Other companies have this also for their rank and file, paying 50% for the vehicle's price and the other half shouldered by the employee. In our case, we could ask for a zero percent interest, not just because we deserve it, but its also a way for landbank to help its employees have a better quality of living. Since having a vehicle at this age and time is already a necessity. We could set the bar that vehicles costing P999,000 below would be at zero interest while those that are P1.00MM above would already be subject to the existing interest rates. What do you think guys? The difference from our officers is that they only pay 50% of the cost at zero interest. Am I right? yellow lady wrote:
Bakit sa officer lang? dahil yan ang ginagamit ng marketing officer sa pakikihalobilo sa mga client ng bank. Ikaw kaya ang makipag meeting sa isang big client after office hour, at dumating kayo sa inyong meeting place at nakasakay ka lang sa taxi or sa jeep. May corporate image ka ba nyan? di ba magmumukha kang kawawa. Baka di na magtiwala sayo ang cleyente mo tuloy. Tayong mga rank & file, di ganyan ang trabaho natin, kaya di tayo pweding bigyan ng ganyang fringe benefit. Hayaan ninyo at magiging officer din tayo sa mga darating na panahon at makaka -avail din tayo nyan. black man wrote:Malay natin may mga kasamahan tayo na interesadong mag mc loan o car loan na katulad namin mga hamak na fieldman na humaharap at nakikihalobilo sa mga kliente na nakajacket lamang, hawak hawak ang helmet at pawis na pawis. Ano sa palagay mo kaibigan, may corporate image ba diyan?IKAW KAIBIGAN ANO SA PALAGAY MO? | |
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migz
Number of posts : 49 Registration date : 2009-12-29
| Subject: Re: CAR LOAN FOR RANK AND FILE Thu Aug 11, 2011 10:44 pm | |
| Marketing?Officer (salary - P40k and above) - w/ car plan no interest Hindi Officer (salary - P25k and below;mostly) - w/ car loan; w/ interest - So ganito lang kasimple yan, yung matataas ang sahod, yon ang may car plan and wala siyang interest. At yung maliliit ang sahod, yun ang may car loan program na may interest. As I've said, its a basic need na ngayon, hindi na yan luho. And don't give me that crap about these vehicles being use for client call purposes. Toyota Hi-Lux 4x2 pick-ups color white with green plates! Hello! | |
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Guest Guest
| Subject: Re: CAR LOAN FOR RANK AND FILE Fri Aug 12, 2011 12:45 am | |
| oo nga po. pagdating sa mga ibang benefits kawawa ang mga rank & file na kadalasang ay mas productive pa kumpara sa mga karamihang ng PG9 pataas. BUTI NA LANG PAGDATING NG INTERIM INCREASE: RANK & FILE - 25% + 10% OFFICER - 10% + 10% |
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batman_E289
Number of posts : 544 Age : 46 Registration date : 2010-10-28
| Subject: Re: CAR LOAN FOR RANK AND FILE Fri Aug 12, 2011 9:38 am | |
| lilinawin ko po ulit, magkaiba po ang regular car loan na with interest na open sa lahat ng qualified PFO members (both officers and r&f) at ang car lease na para lang sa LBP officers (PG11 and up). ang regular car loan po ay loan benefit ng lahat ng PFO members samantala ang car lease ay fringe benefit from the Bank itself given to officers thru malacanang issuance. it was managed only by PFO, no amount comes from PFO to finance the car lease. | |
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migz
Number of posts : 49 Registration date : 2009-12-29
| Subject: Re: CAR LOAN FOR RANK AND FILE Fri Aug 12, 2011 9:39 am | |
| tnx for the clarification sir... | |
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batman_E289
Number of posts : 544 Age : 46 Registration date : 2010-10-28
| Subject: Re: CAR LOAN FOR RANK AND FILE Fri Aug 12, 2011 9:52 am | |
| you're very much welcome po. | |
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isabela
Number of posts : 24 Registration date : 2011-06-11
| Subject: Re: CAR LOAN FOR RANK AND FILE Sun Aug 14, 2011 10:44 pm | |
| RE COMMENTS NI WALA LANG, NA " MABUTI NALANG AT MY IPP NA 25% + 10% ANG R/F, DI PU TOTOO YUN MAGTANUNG KA, WALA KA BANG NARIRINIG NA NAUNTOG ANG SWELDO? HAHAHA 25% AT WALA NA KAMU, SA CAR NAMAN, KAHIT DI CARLOAN ANDAMING RANK AND FILE GAMIT ANG PERSONAL NA SASAKYAN PARA MAPABILIS TRABAHO AT MAPAGANDA SERBISYO IDAGDAG MU PA YUNG MAPAGANDA IMAHE NG LBP SA CLIENTS NATIN, U.
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5213
Number of posts : 145 Registration date : 2011-03-25
| Subject: Re: CAR LOAN FOR RANK AND FILE Mon Aug 15, 2011 9:23 am | |
| tama ka dian isabela, din gna siguro alam ni wala lang.... | |
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black man
Number of posts : 111 Registration date : 2011-08-09
| Subject: Re: CAR LOAN FOR RANK AND FILE Mon Aug 15, 2011 7:29 pm | |
| batman wrote: ERD Head Voltaraire Pablo talked to me yesterday. He asked me to secure memo or letter request coming from concerned units stating the necessity of said motorcycle in performing their official duties. in this regard, may I ask those units who are performing field work and think that they really need the said facility to please send your letter indicating the names of personnel who intend to avail. i will consolidate said letters and do necessary recommendation to have the existing guidelines of this loan facility be amended in favor of the members/employees. thank you very much. .....gud evez to all......HERE WE GO AGAIN....... the issue nga IS: THE MAIN PURPOSE OR OBJECTIVE IN GRABBING THIS ONE IN A LIFETIME TIME OPPORTUNITY - ZERO INTEREST MOTORCYLE LOAN (for NECESSITY IN PERFORMING THEIR OFFICIAL DUTIES)..... (did they ????) (FIELD WORK)... isabela wrote RE COMMENTS NI WALA LANG, NA " MABUTI NALANG AT MY IPP NA 25% + 10% ANG R/F, DI PU TOTOO YUN MAGTANUNG KA, WALA KA BANG NARIRINIG NA NAUNTOG ANG SWELDO? HAHAHA 25% AT WALA NA KAMU, SA CAR NAMAN, KAHIT DI CARLOAN ANDAMING RANK AND FILE GAMIT ANG PERSONAL NA SASAKYAN PARA MAPABILIS TRABAHO AT MAPAGANDA SERBISYO IDAGDAG MU PA YUNG MAPAGANDA IMAHE NG LBP SA CLIENTS NATIN, U. kami rin dito sa luzon ginagamit namin ang personal car sa pagbisita sa mga clients para mapabilis ang trabaho (okey lang naman).
ang suhestiyon ko lang naman ay mas maganda siguro kung makipagbargain ang mga lbpea officers nang lower interest or much better interest sa car loan para naman matulungan at kapakanan nang mga kasamahan natin na nakaavail na at gustong magaavail pa. | |
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