00:00Solar Energy Loan Program ng GSIS, ating tatalakayin kasama si Atty. Joseph Philip Andres,
00:07Executive Vice President ng Government Service Insurance System o GSIS.
00:11Atty. Philip, magandang tanghali po at welcome sa Bagong Pilipinas ngayon.
00:17Magin hawang tanghali po sa inyo, Jans. Maraming salamat po for having us.
00:22Sir, una po sa lahat, pwede nyo po bang ipaliwanag sa ating mga kababayan
00:25kung ano po itong GSIS Solar Energy Loan Program at ano po ang layunin nito?
00:32Tama po, ma'am. Just last Wednesday po, ni-launch po ng GSIS,
00:37ang tinatawag na Hinhawa Solar Energy Loan.
00:41Ito po ay isang loan para sa ating mga active members
00:44para makatulong sa tumataas na presyo ng ating kuryente.
00:48Alam naman natin, di ba? We're in the middle of an energy crisis.
00:52Kaya po, GSIS thought of offering this loan to our members
00:56para po makapangutang sila, para makapagpag-abit po sila
00:59ng mga solar panel packages sa kanilang mga tahanan.
01:04Sir, pwede nyo po kami bigyan ng detalye kung kumusta naman po yung response
01:08ng mga miyembros at rollout ng programa na ito.
01:11Dahil, siyempre, sabi nyo nga po,
01:12Summer, gano'n po ba kalaki yung pwede nila iloan
01:15para po mag-avail nitong programa na ito?
01:19Marami salamat po sa tanong na yan, ma'am.
01:22Napakaganda po ng take-up dito sa loan na ito.
01:26In the first 24 hours po, naka-approve na po kami
01:29ng 1,200 applications na nakakahalaga ng 400 million pesos.
01:34Sa first 24 hours pa lang po yan.
01:36So talagang mabili po ito dahil napapanahon po talaga.
01:40Our members can take out a loan of 500,000 pesos,
01:44maximum po ito, para po magpa-install ng solar panel system.
01:50Ang loan na po ito ay mawabayaran sa loob ng 5 years
01:53na napakalit po ng interest rate.
01:545% na po ang interest rate dahil po,
01:57in-encourage po talaga namin ang ating mga miyembro na
01:59mag-avail nito para magbigay sila ng ginhawa sa kanilang electric bills.
02:05Para po sa mga interesado, paano po mag-avail nito?
02:08Lahat po ba ng miyembro ng GSIS ay pwedeng umutang dito?
02:13Po ma'am, ang loan po ito ay available sa lahat ng ating mga active GSIS members
02:19na may permanent, regular, or non-career status.
02:23Even our special members are allowed.
02:25Dapat po nakapag-silvisyo na kayo sa gobyerno for at least 3 years
02:29at nakapagbayad na kayo ng premium ng at least 1 month for the last 6 months.
02:33And of course po, kasama po ang usual qualification procedures natin,
02:40dapat po hindi kayo naka-live without pay,
02:42dapat wala po kayong pending administrative or criminal case,
02:46at dapat po pagkatapos ng madeduct po ang monthly amortization,
02:51dapat ay mayroon pa po kayong 5,000 pesos na net take-home pay
02:55kasi ito po ang naaayon sa General Appropriations Act.
02:59So if you are going to take out a maximum of 500,000 pesos na loan,
03:03napakamura po ng monthly amortization,
03:05it's 10,416 pesos and 67 centavos.
03:09Yun na po ang pinakamalaki.
03:10And po, para ibigbidala rin po namin,
03:13ano po ito, may kasama pong libre insurance cover for fire and lightning for the first 3 years.
03:20So wala po kayong dapat alalahanin dahil po ito ay mayroong libre insurance for the 3 years,
03:27also courtesy of the GSIS.
03:29So sir, paano niyo po naman minomonitor yung performance at ang sustainability
03:35ng mga proyektong pinupondohan sa ilalim din ng Solar Energy Loan Program?
03:40Opo.
03:41Ito po, ang under this program po,
03:43once a member loans,
03:47we will check po kung talagang nag-install po sila
03:50because kaya naman po natin naglo-loan sila for this purpose
03:54at hindi naman nagagamitin.
03:55If they violate that provision,
03:58then the loan becomes due and demandable na po.
04:01Pero po,
04:02ang nais po namin i-emphasize din po ay
04:05pag mag-a-avail po sila,
04:07despite the fact that,
04:08for example,
04:09today,
04:09naka-work from home po,
04:11dahil sumusunod tayo sa panawagan ng ating Pangulo,
04:15makakapag-apply po rin po sila
04:16because our applications are through our
04:20GSIS Touch mobile app.
04:22So,
04:23at the convenience of your GSIS Touch app,
04:27pwede na po kayo mag-apply
04:28dahil kailangan po kayo mag-sumite ng inyong mga quotations
04:31or resibo po
04:32because this loan also allows for reimbursement.
04:35For example po,
04:36nakapagpakabit na po kayo,
04:38as long as it is not older than January 1, 2026,
04:42pwede po siya maging subject of this loan.
04:44Pwede po ang reimbursement dito.
04:46So,
04:47through the convenience of your mobile phone po,
04:50kayang-kaya po makapag-loan ito.
04:52Napaka-mura,
04:53napaka-convenient,
04:54and napapanahon po talaga
04:55para makatulong po sa ating national campaign.
04:59Of course,
05:00in the midst of this energy emergency,
05:03ito po ang naisip ng G.
05:07Mabigyan ang ginhawa ang kanilang buhay
05:09dahil hindi na po biro
05:11ang pagtaas ng presyo ng ating kuryente
05:15dahil alam naman po natin,
05:17as far as Asia is concerned,
05:18we have one of the highest electricity rates.
05:21And this is what GSIS sees as a solution po
05:24para makabawas tayo
05:26sa ating electric bill
05:28dahil napaka-practical.
05:30For example po,
05:31a P500,000 package,
05:34easily po,
05:35mga 10 kilowatt package po,
05:37makakaya na po niyan.
05:39So, ano po,
05:40if you look at the bigger picture,
05:42for example,
05:43yung P1,200 na naaprobahan,
05:45makapag-produce ang sila ng 30 kilowatt hours a day,
05:48meron na tayong 36 megawatt hours in a day
05:51for all of those,
05:52dumadami pa po po ito.
05:54First day pa lang po yung 1,200,
05:55yung pag-disbursed namin ng 400 million,
05:58first 24 hours pa lang po yun.
05:59And in-expect po namin,
06:01nadadami pa po ito,
06:02especially because papasok na po ang summer months
06:04and mas tatas po po ang harvest
06:06ng solar energy.
06:09Sir, sa mas malawak naman pong perspektibo,
06:12paano nakikita ng GSIS
06:13na makakatulong ang programang ito
06:15sa pag-suporta sa renewable energy goals
06:18at climate resilience ng bansa?
06:21Opo ma'am,
06:22napakagandang tanong yan
06:23because solar energy is the cleanest energy there is.
06:27Kaya po,
06:27napapanahon ito
06:28dahil ito,
06:29renewable po ito.
06:30We have been blessed by God
06:31to have a very tropic style,
06:34di ba na?
06:35We have an abundance of sunlight.
06:38Kaya po ito,
06:40ang taas ng production.
06:41So, napapanahon po talaga ito
06:43and just makabit lang po nila
06:45in a strategic place in their rooftop.
06:48And sinabi ko nga kanina,
06:49sa 1,200 pa lang na naaprubahan
06:52in the first 24 hours
06:53at a modest 30 kilowatt hours a day,
06:57meron na tayong extra 36 megawatt hours
07:00a day
07:00just for that particular portion.
07:03So, tapos itong energy na ito
07:06ay renewable,
07:07free at napakalinis.
07:08Walang risk.
07:09Kaya po,
07:10we're encouraging our members,
07:12yung mga merong tahanan
07:14na pwedeng kabitan,
07:15mag-avail na po kayo ng loan
07:16dahil this is the part
07:18of the long-term solution
07:19to that gap in our energy supply
07:22para po mas mura po,
07:23mas magmura
07:24dahil napalod nga po
07:25yung mga na-feature niya earlier
07:27while maganda po yung sinabi ni Pangulo,
07:29meron tayong panibagong discovery
07:31na oil field.
07:33Ito po ay kasama po
07:35kong katuwa po
07:39ng ating program na sustainable,
07:42na environmentally friendly.
07:44Okay, sir.
07:45Bukod po sa loan program na ito,
07:47ano pa po yung ilan sa mga programa
07:48ng GSIS
07:49na nais nyo ibahagi sa mga miyembro,
07:51lalo't at mayroon tayong
07:53oil price surge sa bansa?
07:56Opo, actually.
07:58Ano pa lang ito,
07:59panguna pa lang ito
08:00kasi I'm sure
08:00meron pa kaming
08:02mga ipo-forward
08:03sa mga coming days
08:05dahil alam naman po natin
08:06kailangan meron tayong
08:07mindset na
08:08whole-of-government approach.
08:10Kaya po ang GSIS po
08:11through our PGM,
08:12si EGM Witt Veloso
08:14and our chairman,
08:15Chairman Rodney De Rosario
08:17and the members of the board
08:18ay always po,
08:19nag ano,
08:19always challenging us
08:20to have
08:21or to come up
08:22with more programs
08:23like this.
08:24So, in a few days time po,
08:26I don't want to
08:26preempt our operations group.
08:28Meron pa po kami
08:29mga products
08:29which we will offer
08:31to our members
08:31towards this goal also
08:33para magkaroon tayo
08:34ng sufficiency
08:35and also
08:36as an answer
08:37to the energy crunch
08:38which we are experiencing
08:39right now.
08:40Paka magkaroon kami
08:41na iba pang loans
08:41na kahalin tulad din ito
08:44always
08:45in the
08:46with the goal
08:47of giving
08:48more ginhawa
08:49to our members.
08:50Ayun po ang number one
08:51pagkakay po namin
08:52magbigyan
08:52ng mas magandang buhay
08:54ang ating mga
08:54membro
08:55sa GSIS.
08:56May nabanggit nyo nga po
08:58yung mga loan products ninyo.
08:59Open din po ba ito
09:00dun sa mga
09:01membro ninyo
09:01na may existing loan pa po
09:03sa ngayon?
09:05Opo,
09:05pwede-pwede po
09:06as long as there is
09:07gaya po na na-mention ko kanina
09:09as long as meron pa
09:10ang paying capacity
09:10ang requirement lang
09:12naman po
09:12ng batas natin
09:13ay after deducting
09:15all the amortizations
09:16ay meron ka pang
09:17matitirang
09:185,000 pesos
09:19na net take home pay.
09:21As long as po
09:22kaya ma-accommodate
09:23pwede-pwede po.
09:25Gaya po na sinabi ko
09:26the 10,416 pesos
09:28is already
09:29the worst case scenario
09:30yun po yung
09:30maximum po
09:31the 500,000 pesos
09:33na loan.
09:34But if your actual need
09:35is much lower than that
09:36for example
09:36300,000 pesos lang
09:38then the amortization
09:39will be much lower.
09:42So ganoon po
09:42while 500,000
09:44is the maximum
09:45ang bibigay po namin
09:46ay yung actual need
09:47up to a maximum
09:48of 500,000 pesos.
09:50So depende rin din
09:51sa laki ng
09:53paglalagyan ng mga
09:53solar panels na yan
09:54ano sir?
09:55Opo.
09:56Sige sir,
09:57maraming salamat po
09:58sa ano po ang
09:59inyong mensahe
10:00sa ating mga kababayan
10:00na lalo na po
10:01yung sa mga members
10:02na pwedeng maging
10:03interesado po dito?
10:06Opo,
10:07unang po maraming salamat
10:08for giving us
10:08this opportunity
10:09to reach out
10:10to our members
10:11and to our members
10:12of course
10:12ang GSIS po
10:13ay nandito palagi
10:14at palagi po
10:15nag-iisip
10:16non-stop po
10:17mag-iisip ang GSIS
10:18kung paano po
10:20mapapakinhawa pa
10:20ang buhay
10:21ng ating mga membro.
10:22This is but
10:23one of our
10:25products
10:26which we're offering
10:27to our members
10:27na napakababa
10:28ng rate, etc.
10:29And you could expect
10:30more
10:32dahil po yun.
10:33Kayo po ang inaalala
10:34namin palagi
10:34our members
10:35our active members
10:36and our pensioners
10:36para po mabigyan
10:37na mas
10:38maging hawang buhay.
10:39And for more details po
10:41you could visit
10:41our website po
10:42www.gsis.gov.ph
10:45or visit our
10:46social media platforms.
10:48Maraming salamat po.
10:49Alright, maraming salamat po
10:50sa inyong oras
10:51Atty. Joseph Philip Andres
10:53Executive Vice President
10:54ng GSIS.
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