Sunday, June 28, 2009

Tax Computation in the Philippines

1. The first step is you should answer the following questions below:
  • What is Your Status? (Single or Married?)
  • Do You Have Any Dependent? How Many?
  • How much is your Monthly Basic Pay(salary)?(This does not include your overtime pay/monetary value of your late/tardiness,holiday pay, but includes the monthly allowance that you received.)


2. How much is your SSS,Philhealth,and HDMF (Pag-Ibig) monthly contributions?



Before starting,it is very important first to have a calculator with you.
Simple Calculator

With your Monthly Basic Pay(Salary) you can immediately know your contributions.Just refer to this table below:

For SSS:





Suppose your monthly basic pay(salary) is P11,000.00 then by looking at the table above(under the column of Range of Compensation) just find the range of compensation that includes P11,000.00 and simply move your eyes horizontally and look for your corresponding SSS Contribution(under the main column Social Security and sub-column EE or Employee Contribution).So what did you see? P366.70 right?.

Now just try it on your own,suppose your monthly basic pay(salary)is P14,000.00 what is your SSS Contribution? Answer:P466.70

Since you already know how to look for your SSS Contribution it is time for you now to know how much is your employer's contribution counterpart.Again, find the Range of Compensation where you belong,move your eyes horizontally, and just look under the main column Social Security and sub-column ER or Employer Contribution.

Suppose you have a P11,000 monthly basic pay (salary) then the ER or Employer Contribution would be P777.30 and your total monthly contribution that debit in the SSS is P1,144 (P777.30 +P366.70).

If your monthly basic pay (salary) is P14,000, what is your employer contribution?your total contribution? Answer: ER= P989.30 ; TC= P1456.00


For Philhealth:



Illustration:

For instance you have a monthly basic pay (salary) of P11,000, then your Philhealth Monthly Contribution would be P137.50. How did I get this figure?It is simple,just look for the column under Monthly Salary Range and find for the interval where your salary belongs. After that, move your eyes horizontally(to the right) and find for the corresponding Philhealth Monthly Contribution under the Employee's Share Column.Got that???It is easy right?Now, take your try.

Example my gross basic pay (salary) is P14,000.00,how much is my Philhealth Monthly Contribution? Answer:P175.00

Aside from this it is also better and wise to know your employer's contribution counterpart .Again, going back to the Philhealth Table above just look for the column under Employer's Share that corresponds to your monthly gross income.If your monthly gross income is P11ooo.00 then your Employer's Share is P137.50 and the total amount that debit in your Philhealth Contribution is P275.00 (Employee's Share + Employer's Share).


For HDMF/Pag-Ibig Contribution:

Pag-Ibig Table


Illustration:

If your Monthly Basic Pay (Salary) is P11,000 then your HDMF Contribution is P11,000.00 X .02 = P220 and your Employer's Counterpart is P11,000.00 X .02 = P220 . This computation is so easy.After you know where your Gross Monthly Salary Range belong just multiply it by the MULTIPLIER that corresponds to your monthly basic pay (salary) .The total monthly contribution that debit in your HDMF Contribution is P440.00 monthly.

Note:
You can also demand to your Finance Officer or Human Resource Officer if you want to increase your HDMF Monthly Contribution.Why should you do that?These are the reasons:
  • If you want to avail a housing loan. (The bigger contribution you have the bigger the money later on that you can loan for your housing loan.
  • To reduced your monthly withholding tax. Even the difference is minimal still it is an advantage to your part.Why let the government get your money and can't even avail the priviledges.It is better to invest your money in HDMF than letting it see in the "trust" fund of our government.NOTE: If you increase your HDMF Contribution you will reduce the tax that the government get from you and at the same time you are investing it to have a better house that you will own someday.

3.
Are you receiving other allowances like laundry allowance,transportation allowances ,rice allowances,etc.? If yes how much?

You need this later on when you compute your withholding tax because these are not taxable. Failure to note this may result to erroneous result of computation.


4.What is TAXABLE INCOME?

Taxable income is the portion of income that is the subject of taxation.

In the Philippines our taxable income is determined by this formula:

Taxable Income = [Gross (Basic)Monthly Income+ Overtime Pay+Holiday Pay+Night Differential] - (minus) [Tardiness Deduction+Allowances+SSS Contribution+Philhealth Contribution,HDMF Contribution]


Note: I did not include and subtract the amount of personal exemptions(exemptions due to your status like:Head of the Family,Single,Married etc.) since your corresponding personal exemptions can be see later on in the tax table and your personal exemption is included already in the formula for computing the tax.You will understand it clearly later on when I introduce the general formula of withholding tax computation.

5.Factors you need to consider when solving your withholding tax (Applicable for Old Tax Ruling).

Factors that increases your tax:
  • Overtime Pay
  • Holiday Pay
  • Night Differential

Factors that decreases your tax:
  • Late/Tardiness
  • Allowances
  • SSS Contribution
  • Philhealth Contribution
  • HDMF Contribution
  • Personal Exemptions (ex. single, head of the family, head of the family with qualified dependents,etc)


6.You must have a copy of BIR Tax Table


New Tax Table For January 2009





7. Knowing the General Formula of Withholding Tax ,Knowing the Parts and to Use the Tax Table, and Computing Your Withholding Tax

General Formula:

Withholding Tax = ( ([Taxable Income] - [Bracket or Exemption] ) x [%over] ) + [Bracket Tax or Base Tax]

Where as Taxable Income=[Gross (Basic)Monthly Income+ Overtime Pay+Holiday Pay+Night Differential] - (minus) [Tardiness Deduction+Allowances+SSS Contribution+Philhealth Contribution,HDMF Contribution]

Note: Before Solving For your Withholding Tax, find your Taxable Income first and simply substitute the value in Withholding Tax Formula.

Parts of Tax Table
  • Bracket or Exemption
  • %over
  • Bracket Tax or Base Tax

Illustration:



Assuming your tax is computed in a monthly basis and you already computed your TAXABLE INCOME (not your gross income) totaling to P8,558 and you are Single then:

Corresponding Bracket or Exemption:P6,667.00
Corresponding %over: 15% or.15

Corresponding Bracket Tax or Base Tax: P208.33


Question: Why did I use the amount P6,667.00 as the Bracket or Exemption for the taxable income of P8,558? Why not P5,000 with a %over of 10% or P4,167 with a %over of 5%?Do you know why?

Answer: Of course there is a way on finding your corresponding Bracket or Exemption and %over given your Taxable Income but I will not introduce it here since it is a long process that requires your arithmetic skills.I am just considerate for those who are poor in Math. Anyway, I will still share my precious trick that I am sure you will all understand it in an easy and direct way. I am 100% sure of this number trick since I already tested it a thousand times.It is better to understand it if I will show a series of examples. Here are they:

When finding for the corresponding Bracket or Exemption and %over just look:
  1. The row of your STATUS(ex. Single,Head of the Family,Married,and etc.)on the table.
  2. Then look for the greatest number that is less than to your Taxable Income(within the row of your STATUS).This is now your bracket or exemption.
  3. After you found it,move your eyes vertically upward (on the tax table)and look for your corresponding % over and Bracket Tax or Base Tax.
Example 1:

Given:


Assuming Withholding Tax Computed Monthly
Taxable Income: P8558.00

Status: Single(S)


Answer:







Corresponding Bracket or Exemption:P6,667.00
Corresponding %over: 15% or.15

Corresponding Bracket Tax or Base Tax: P208.33



Computing Your Withholding Tax:

Withholding Tax = ( ([Taxable Income] - [Bracket or Exemption] ) x [%over] ) + [Bracket Tax or Base Tax]

Withholding Tax =[(P8558.00-P6,667.00) X .15] + P208.33
Withholding Tax
=P491.98



Example 2:

Given:

Assuming Withholding Tax Computed Monthly
Taxable Income: P12,540
.00
Status: Single or Married with 1 Qualified Dependent (S1 or M1)

Answer:




Corresponding Bracket or Exemption:P12,083.00
Corresponding %over: 20% or.20
Corresponding Bracket Tax or Base Tax: P708.33


Withholding Tax = ( ([Taxable Income] - [Bracket or Exemption] ) x [%over] ) + [Bracket Tax or Base Tax]


Withholding Tax =[(P12,540.00-P12,083.00) X .20] + P708.33
Withholding Tax = P799.73

Example 3:

Given:


Assuming Withholding Tax Computed Monthly
Gross or Basic Income: P11,000
.00
Monthly Transportation Allowance:P500.00
Monthly Rice allowance:P500.00
Late/Tardiness:2hrs
Overtime: 4 hrs (regular day)
HDMF /Pag-Ibig Contribution: P300.00
Status: Married with 2 Qualified Dependents (M2)
Days of Duty:22 days (8hrs per day)


Problem:
How much is your monthly withholding tax given the information above?

Solution:


a.With your Gross or Basic Income totaling to P11,000.oo you can directly compute for your SSS and Philhealth Contribution. By looking on the SSS and Philhealth tables above your respective contributions are as follows:

SSS Contribution:P366.70
Philhealth Contribution:P137.50



b.Computing for the corresponding value of late/tardiness and overtime pay Given your gross monthly salary of P11,000.00 then the monetary value of your
late/tardiness is:

Total Number of Hours Worked: 22 X 8 = 176 hours

Rate Per Hour: P11,000.00 /(divided by) 176 = P62.5

The Monetary Value of Late/Tardiness: 62.5 X 2 = P125.00


Given your gross monthly salary of P11,000.00 then the monetary value of the
overtime is:

Note: The overtime pay per hour for regular day is 125% (1.25)of your hourly rate


Overtime Rate Per Hour: 62.5 X (1.25) = P78.125

Total Overtime Pay: P78.125 X 4hrs = P312.5


c.Solving For Taxable Income.(I skip this process in my two previous examples since the taxable income is already given but in this example the given is gross or basic salary instead of taxable income. General Formula:

Taxable Income=[Gross (Basic)Monthly Income+ Overtime Pay+Holiday
Pay+Night Differential] - (minus) [Tardiness Deduction+Allowances+SSS Contribution+Philhealth Contribution,HDMF Contribution]


Taxable Income=[ P11,000.00 + P312.5 ] - [ P125.00 + P500.00 + P500.00 +
P300.00 + P366.70 + P137.50]

Taxable Income= [11,312.5]-[1929.2]

Taxable Income= P 9383.3

d.Solving for the corresponding withholding tax.





Corresponding Bracket or Exemption:P9167.00
Corresponding %over: 10%
Corresponding Bracket Tax or Base Tax: P41.67


Withholding Tax = ( ([Taxable Income] - [Bracket or Exemption] ) x [%over] ) + [Bracket Tax or Base Tax]


Withholding Tax = ( ([P9383.3] - [P9167.00] ) x [.10] ) + [41.67]
Withholding Tax=P63.3

It is very easy right? By just simply following the 8 easy steps above you are now ready to check if your finance/payroll officer miscalculated your tax. Always remember you don't need to be an accountant nor a mathematically inclined person just to solve your withholding tax, all you need is simply following these eight easy steps.




118 comments:

  1. Thank you very much for this very informative post. I would just like to ask if meal and transportation allowances are taxable also if you don't submit receipts to your employers.

    Thank you very much and more power..

    ReplyDelete
    Replies
    1. HOW I GOT MY LOAN FROM HERMAN CEIN LOAN FINANCE (CEINLOANFINANCE@YAHOO.COM)

      Hello everyone, My name is Morgan Steev white, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Herman Cein { ceinloanfinance@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Herman Cein the C.E.O of Herman Cein Loan Finances who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Herman Cein, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Herman Cein on his email address: { Ceinloanfinance@yahoo.com}or call (201) 720-8275 for help.

      Delete
    2. HOW I GOT MY LOAN FROM HERMAN CEIN LOAN FINANCE (CEINLOANFINANCE@YAHOO.COM)

      Hello everyone, My name is Morgan Steev white, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Herman Cein { ceinloanfinance@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Herman Cein the C.E.O of Herman Cein Loan Finances who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Herman Cein, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Herman Cein on his email address: { Ceinloanfinance@yahoo.com}or call (201) 720-8275 for help.

      Delete
    3. HOW I GOT MY LOAN FROM HERMAN CEIN LOAN FINANCE (CEINLOANFINANCE@YAHOO.COM)

      Hello everyone, My name is Morgan Steev white, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Herman Cein { ceinloanfinance@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Herman Cein the C.E.O of Herman Cein Loan Finances who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Herman Cein, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Herman Cein on his email address: { Ceinloanfinance@yahoo.com}or call (201) 720-8275 for help.

      Delete
  2. very helpful and informative!

    ReplyDelete
  3. very nice. informative. useful.
    keep up and please keep updating when the dogs at congress changes anything...

    ReplyDelete
  4. hi po! I am not sure who to ask but how about let's say you are a consultant? how should I read the table? thanks.

    ReplyDelete
  5. Thanks for the info.. it helps a lot...

    ReplyDelete
  6. Thank you very much for your effort in posting something that the lazy asses from our government couldn't post in their useless websites.

    ReplyDelete
  7. Hi there I found this post really helpful, but how do we compute for the tax witheld return?

    I was looking at my payslip and what our company does is tax the gross income before deducting the (SSS, Philhealth and Pagibig) is that suppose to be right? they are also taxing our transportation allowance. Where can I go to find out if they are doing the right thing or not. where can I have it reported if ever?

    ReplyDelete
    Replies
    1. nope it is clearly not right, you should let tehm see this page so that they may know the right way of taxing.

      Delete
  8. Thanks so much, this is indeed very informative..

    ReplyDelete
  9. Thanks for this article! very easy to understand ;)

    ReplyDelete
  10. This is great sir! Thanks!

    ReplyDelete
  11. same process lang po ba pag every 15th day ang sweldo? Im computing my witholding tax in my pay slip and what i did is look up in the SSS and in Pag-ibig and divided it by 2 (for 15th day). Tama po ba na ganun ang gawin?

    ReplyDelete
  12. Thanks for info.. Very helpful. Just want to ask if your salary is adjusted on the same year. For example Jan-June is Php 50,000 then come July-Dec same year its Php 60,000. How can you compute the tax? Thanks..

    ReplyDelete
    Replies
    1. ecompute the monthly withholding tax, your basis now for the base pay is the new salary and the deductions are the corresponding compulsory personal share based also on the new salary. when you get the monthly taxable income, pls.refer to the table for the tax due.

      Delete
  13. Thanks so much for this. Extremely helpful. :)

    ReplyDelete
  14. hello. thanks for this info. it's very helpful. i have 1 question about the tax computation of salary P30,000 above? and also do you have the tax table used for yearly computation ? i just need it for alphalist preparation.... i hope you can look into my request.. thank you so much....

    ReplyDelete
    Replies
    1. in alphalist preparation, it is wise and easy to use the annualized computation of tax due. Compute the annual taxable gross income minus annual non-taxable income - personal & additional exmption = taxable income. from here, pls. refer to the table below the annual tax due. Just divide it by 12 in order to get the monthly withholding tax. Just make an adjustments 2-3 months before the year end in case there is an increase the salary or in the deductions of an employee.

      Not over P10,000………………………………… 5%
      Over P10,000 but not over P30,000……… P500+10% of the excess over P10,000
      Over P30,000 but not over P70,000…… P2,500+15% of the excess over P30,000
      Over P70,000 but not over P140,000…… P8,500+20% of the excess over P70,000
      Over P140,000 but not over P250,000… P22,500+25% of the excess over P140,000
      Over P250,000 but not over P500,000… P50,000+30% of the excess over P250,000
      Over P500,000 ……………………………… P125,000+32% of the excess over P500,000

      Delete
    2. Hi, per your answer and tax matrix

      Over P30,000 but not over P70,000…… P2,500+15% of the excess over P30,000

      I'm currently earning of 36,100php monthly but my tax is 3,082. I don't know if this is correct. per my computation;

      30,000 = 2,500php

      excess to 30,000 = 6,100 x 0.15 = 915.00php

      Total tax should be 3,415.00 monthly.

      Kindly correct me if i'm wrong

      Thanks

      Delete
    3. fill up this data and you will get your monthly withholding tax:
      http://birtaxcalculator.com/calculators/bir_withholding_tax_computation_2009

      Delete
    4. HOW I GOT MY LOAN FROM HERMAN CEIN LOAN FINANCE (CEINLOANFINANCE@YAHOO.COM)

      Hello everyone, My name is Morgan Steev white, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Herman Cein { ceinloanfinance@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Herman Cein the C.E.O of Herman Cein Loan Finances who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Herman Cein, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Herman Cein on his email address: { Ceinloanfinance@yahoo.com}or call (201) 720-8275 for help.

      Delete
  15. BIR RMC 27-2011 effective July 1, 2011

    Is hdmf contribution in excess of P100/month still tax deductible?

    ReplyDelete
    Replies
    1. Hello everyone my name is Anna Barger,am here to testify how i was scammed. I was in need of a loan,and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of 5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to Elvin Morrison.He told me how he has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i as introduce to him through his email {elvinloancompany@yahoo.com or call on (213) 471-7152 }.He told me he will offer me the loan that i only need to be comply with them.I did as he told me and without any delay,i received my loan as he earlier promise.Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet Elvin Morrison through his email elvinloancompany@yahoo.com or call on (213) 471-7152 .He is a registered reliable loan lender.

      Delete
  16. This post is so informative I'm surprised that it's not in the BIR website. Please keep posting useful articles like these, it helps a lot of people who don't have the time to deal with BIR bureaucrats. Keep it up!

    ReplyDelete
  17. thanks you for this. yes! very easy to understand. Just 1 question though. Is this still applicable for 2011?

    ReplyDelete
  18. thank you..now i know my employer is not following these tables in deducting withholding tax, SSS, PAGIBIG and Philhealth in my salary..

    ReplyDelete
  19. very informative! tnx a lot bro.... ;-)

    ReplyDelete
  20. thanks po sa info... ask ko lang po, ung sss loans, pagibig loans po ba eh may tax din?

    ReplyDelete
    Replies
    1. hi...sss loans and pag-ibig loans and other loans are not considered/deducted in computing tax due only the compulsory sss and pag-ibig premiums.

      Delete
  21. http://birtaxcalculator.com/

    ReplyDelete
  22. do i have to deduct my sss loan or pag-ibig loan to get the net taxable income? i.e
    Taxable Income=[Gross (Basic)Monthly Income+ Overtime Pay+Holiday Pay+Night Differential] - (minus) [Tardiness Deduction+Allowances+SSS Contribution+Philhealth Contribution,HDMF Contribution + LOAN PAYMENT]

    ReplyDelete
    Replies
    1. This comment has been removed by the author.

      Delete
    2. hello po. loan payment po is not included to get the net taxable inome, only compulsory premium.

      Delete
    3. HOW I GOT MY LOAN FROM HERMAN CEIN LOAN FINANCE (CEINLOANFINANCE@YAHOO.COM)

      Hello everyone, My name is Morgan Steev white, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Herman Cein { ceinloanfinance@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Herman Cein the C.E.O of Herman Cein Loan Finances who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Herman Cein, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Herman Cein on his email address: { Ceinloanfinance@yahoo.com}or call (201) 720-8275 for help.

      Delete
  23. Thank you for this but the images have been removed due to the bandwidth

    ReplyDelete
  24. Hi, Admin, I think you need to update this:
    NOTE: If you increase your HDMF Contribution you will reduce the tax that the government get from you and at the same time you are investing it to have a better house that you will own someday.
    As per Revenue Memorandum Circular No. RMC 27-2011:
    “Therefore, contributions referred to in Section 32(B)(7)(f) of the NIRC of
    1997 cover only the mandatory/compulsory contributions of the concerned
    employees to SSS, GSIS, PHIC and HDMF. Thus, this Office holds that
    voluntary contributions to these institutions in excess of the amount considered
    compulsory are not excludible from the gross income of the taxpayer and hence,
    not exempt from Income Tax and Withholding Tax. Consequently, the
    exemption from withholding tax on compensation referred to in Section
    2.78.1(B)(12) of Revenue Regulations (RR) No. 2-98 shall apply only to
    mandatory/compulsory SSS, GSIS, Medicare and Pag-ibig contributions”.
    (emphasis supplied)

    In short, any excess contribution is taxable. As the saying goes.. There are two things in life that you cannot escape, death and tax.

    ReplyDelete
    Replies
    1. Hello everyone my name is Anna Barger,am here to testify how i was scammed. I was in need of a loan,and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of 5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to Elvin Morrison.He told me how he has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i as introduce to him through his email {elvinloancompany@yahoo.com or call on (213) 471-7152 }.He told me he will offer me the loan that i only need to be comply with them.I did as he told me and without any delay,i received my loan as he earlier promise.Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet Elvin Morrison through his email elvinloancompany@yahoo.com or call on (213) 471-7152 .He is a registered reliable loan lender.

      Delete
  25. Thanks for the information! Now I know how to compute my tax, because our payroll department used to charge me from Php250.00-450.00 of tax every payday. Note: Every payday deduction of tax not monthly! There was also a time that I was deducted a worth of Php1,000+ tax in just half of the month. I only earn a basic of Php6,500 every 15days + 8-12hrs OT + 32.5hrs of Night Differential. I am married with 1 child. I am very confused why my taxes reached such huge like that. Me and my wife are very thankful that we have learned this from you. Keep up the good work!

    ReplyDelete
  26. very comprehensive...I want my Pag-ibig contribution be changed from 100 to 350 pesos monthly and the counterpart has to comply. Why are you pissed off when we are so inquisitive? Do you know how to explain or you are just hiding something? Balik-baliktarin man ang tanong kung alam mo ang tamang sagot you don't have to be anxious....be informative naman... Thank you Soc for the super great EFFORT!

    ReplyDelete
  27. Magandang gabi! Salamat sa iyong hangarin na makatulong sa nakararami na hindi mawari paano natutumbok ang saktong halaga ng buwis na dapat kaltas sa sweldo nila. May katanungan ako: Ako ay nagbitiw sa trabaho ng buwan na ito. Ang sweldo ko ay 22,000. Nais ko malaman magkano ang ibabalik nila dahil sa taon na ito, mula Enero-Mayo lang ang serbisyo ko sa kanila. 22,000x5 buwan. Dalaga.
    Salamat ng marami sa iyong kagandahang loob.

    ReplyDelete
  28. Hi

    Nice post.

    Would you have a contact email?

    ReplyDelete
  29. sir, qualified pa rin po ba sa addt'l exemption pag head of the family ang isang tao, yung "bread winner"? halimbawa po unemployed yung parents at pinag-aaral yung mga kapatid, kumbaga sayo lang ang source of income ng buong family. TIA po :)

    ReplyDelete
  30. Sir ask ko lang kasi ung employer ko ngayon is based ang deduction sa gross pay and not sa basic pay or monthly.. so ang nagyayari if mlaki ang overtime ko malaki din kaltas ko sa SSS, Philhealth at HDMF. sa tax eh sa gross nmn tlga nkbased.. please i need your immediate response thank u

    ReplyDelete
  31. Hi, sir!
    Thank you so much for this page.
    I have a question though.
    Where do we apply the COLA? Is it added to the taxable income or subtracted?

    ReplyDelete
    Replies
    1. HOW I GOT MY LOAN FROM HERMAN CEIN LOAN FINANCE (CEINLOANFINANCE@YAHOO.COM)

      Hello everyone, My name is Morgan Steev white, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Herman Cein { ceinloanfinance@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Herman Cein the C.E.O of Herman Cein Loan Finances who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Herman Cein, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Herman Cein on his email address: { Ceinloanfinance@yahoo.com}or call (201) 720-8275 for help.

      Delete
  32. sir thanks for this pos. i just would like to ask if how is tax refund is computed by he end of the year? kasi last 2011 naka receive po ako ng tax refund mga around 6000 php but this year 2012 wala na..i dont why? pls help.. thanks

    ReplyDelete
  33. Thanks for the post,
    please update Philhealth Table (effective 01 January 2013) ...
    http://www.philhealth.gov.ph/circulars/2012/circ11_2012.pdf

    ReplyDelete
  34. hello po, pwede po ba mag sample pa kayo semi-monthly naman po.
    thanks!

    ReplyDelete
  35. Thank you so much! Sobrang laki ng tinulong mo for my exam tomorrow! <3

    ReplyDelete
  36. this post is very informative! The information and examples given were very clear and accurate. Thanks!

    ReplyDelete
  37. HI, tinignan ko po yung mga form sa bir website at nahilo ako kakabasa,ang dami pong bir form, para sa karaniwang empliyado po ba alin form ba ang dapat kunin? nalito po ako bigla sa withholding tax at compensation blah blah, itr, annual, quarterly..
    salamat po! aasahan ko po sagot nyo. thanks!

    ReplyDelete
  38. this is very helpful specially for e fresh employee like me. Thank you

    ReplyDelete
  39. Thank you very much for this. Well-explained! I was able to understand perfectly and computed my withholding tax...which matches my payslip..haay naku...tax talaga.

    ReplyDelete
  40. Hello. Is the "allowance" part already of the GROSS COMPENSATION INCOME or not? Please help me with my question. Thanks.

    ReplyDelete
  41. question po.. pano kapag meron monthly incentie na natatangap like performance bonus.. twing 15th of month po isinasama po pano cocomputin yun kapag ganun..

    ReplyDelete
  42. Thanks :) this post is really a big help.

    ReplyDelete
  43. Replies
    1. Just want to ask bakit nyo po dineduct ung mga allowances sa taxable income?
      Ung sa pag-ibig contribution, hindi po ba 100 ung maximum? Ung excess po ang taxable?

      Delete
  44. great! you just convinced me to join pag-ibig II for a monthly contribution of 1000... it would reduce my tax for only 300pesos, but that's 300pesos less to go to napoles' and the senator's pocket.
    heaven knows they have so much 300pesos lying around from other tax payers blood and sweat

    ReplyDelete
  45. Wait. Bakit wala sa computation ung personal tax exemption at ung dependent tax exemption equivalent? kulang ata sir ah.

    ReplyDelete
  46. paano po ba malalaman kung magkno tlga ang tax ng teacher 1 single..kc dati po 1300 tax q ngaun naging 2300 na..? tnx for d rply

    ReplyDelete
  47. 15000 my monthly salary net. I just fixed my 1905 and 2035 tax exemp for 4 kids ... how much now will be my witholding tax kase before 5900 a month

    ReplyDelete
  48. I can't hide this great testimony that take place in my life I will
    love everyone to know it and be partaker, I am Mrs Jean Wang Agg by
    name, I live in Texas, United State Of America, I want to thank
    (Mr Erivan) for his kindness upon my family life.

    I never knew that there is still nice lender like this on internet and
    earth here. Just some Months Back, I was in search for a loan of
    $50,000,00 as I was running out of money for feeding and rent. I was
    scammed $2,800 Dollars and I decided not to involve my self in such
    business again but a Friend of my introduced me to a loan company due to
    my appearance and doings.

    And I told him that I am not interested of any loan deal anymore but
    he told me that there is still a nice lender who he will recommend me
    to, and I made a trial and I am most grateful lucky am I today, I was
    given a loan amount of $50,000.00usd, by this great Company (ERIVAN
    LOAN COMPANY) managed by (Mr Erivan ) If you are in need of a
    genuine or legit loan or financial assistance and you can be reliable
    and trusted of capable of paying back at the due time of the funds I
    will advice you to, contact her via:
    erivanloancompany@yahoo.com. And you will be free from scams in
    the internet.

    All thanks to Mr Erivan You are the one who remove me and my
    family out of poverty. The reason why i am doing this is that, i
    promise Mr Erivan that if i truly got my loan, i will
    advertize her company and bring customers to her company. Contact her
    now at (erivanloancompany@yahoo.com) for the Loan you have been
    looking for..

    ReplyDelete
  49. We offer our Loans to our clients In USD($), GBP(£) Euro(€) or ($) Singapore Dollars and in the following categories.

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    Thank you for your response.

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    Mr. Lim Koh(C.E.O).

    LIM LOANS FIRM

    ReplyDelete
  50. akala ko allowances is being added only after you deducted the tax,sss,philhealth,pag-ibig. Like this
    GROSS SALARY MINUS SSS MINUS PHILHEALTH MINUS PAG-IBIG MINUS TARDINESS IS EQUAL TO TAXABLE INCOME MINUS TAX IS EQUAL TO INCOME AFTER TAX tapos that is only the time you need to add the allowances? tama po ba ako? kailangan ba talagang directly ideduct yung allowance sa gross salary?

    ReplyDelete
    Replies
    1. HOW I GOT MY LOAN FROM HERMAN CEIN LOAN FINANCE (CEINLOANFINANCE@YAHOO.COM)

      Hello everyone, My name is Morgan Steev white, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Herman Cein { ceinloanfinance@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Herman Cein the C.E.O of Herman Cein Loan Finances who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Herman Cein, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Herman Cein on his email address: { Ceinloanfinance@yahoo.com}or call (201) 720-8275 for help.

      Delete
  51. Hi. Are deductions for SSS/HDMF Loan taxable? Thanks.

    ReplyDelete
  52. Good Day,

    I am Chua Teo (CEO) of Chua Teo Loans Firm, I'm a Reputable Money Lender who give out loans to Individuals & Companies in need of loan. Do you have a bad credit? Are you in need of money to pay bills or settle other debts? We will be glad to render you a loan service. We offer all kinds of loan at 2% interest rate. We offer loan from $2,000 USD to $50,000,000 USD, duration of 1 to 20 years.

    Apply with us and get approved without stress or delay! We await your response if you are serious and interested, upon response, you'll be mailed a Loan Application Form which you'll have to fill and send back to us. Looking forward to hear from you, you can reach us via....

    Email: chuateo_loansfirm@yahoo.com.sg

    ReplyDelete
  53. Gusto mo ba ng online work?
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    ReplyDelete
  54. Good Day !!!!!

    I am Hwa Jurong, a Reputable, Legitimate & an accredited money
    Lender. I loan money out to individuals in need of financial assistance.
    Do you have a bad credit or are you in need of money to pay bills?
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    Yours Sincerely,

    Hwa Jurong(MD).

    ReplyDelete
  55. LOAN SERVICE OFFER, APPLY NOW AND GET APPROVED WITHOUT STRESS OR DELAY.

    We are MULTI CREDIT FINANCE; we are Legitimate/Accredited Loan Company & we are fully licensed by the Government to grant loans and offer other credit facilities to both local and international customers. We offer loans to individuals and co-operate bodies in need of financial assistance. Do you have bad credit OR are you in need of money to pay bills? Do you need business loan? We offer ALL KINDS of loan at 2% interest rate to reliable & serious individuals or companies! Get back to us if interested & upon your response; you'll be mailed a Loan application form to fill (No social security and no credit check, 100% Guaranteed!) We Look forward hear from interested borrower!!!! Interested person can contact us via E-mail: {multicreditfinance@gmail.com}

    MULTI CREDIT FINANCE TEAM.

    ReplyDelete
  56. Good Day,

    I am Chua Teo (CEO) of Chua Teo Loans Firm, I'm a Reputable Money Lender who give out loans to Individuals & Companies in need of loan. Do you have a bad credit? Are you in need of money to pay bills or settle other debts? We will be glad to render you a loan service. We offer all kinds of loan at 2% interest rate. We offer loan from $2,000 USD to $50,000,000 USD, duration of 1 to 20 years.

    Apply with us and get approved without stress or delay! We await your response if you are serious and interested, upon response, you'll be mailed a Loan Application Form which you'll have to fill and send back to us. Looking forward to hear from you, you can reach us via....

    Email: chuateo_loansfirm@yahoo.com.sg

    ReplyDelete
  57. Hello Dear,
    Are you in debt? Do you need an instant funding? Do you dream of owning a house, Car and good Business? Do you need a loan ahead for the Christmas family vacation? Have you been in search of a legitimate loan and been turned down severally? If YES" Search no further.
    We offer Personal/Commercial loans at 2% interest rate without collateral. get instant Approval even with bad credit.
    Serious and interested applicants should please contact us via email today:lim.koh56@yahoo.com and be free from all your financial troubles.
    Best Regards.
    Mr.Lim Koh

    ReplyDelete
  58. The DAVID LOAN FIRM personal loan provides the cash you need with fixed
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    Thanks

    ReplyDelete
  59. Hello everyone am here to testify how i got my loan from Mr Akisu. after i applied several times from various loan lenders who claimed to also testify right in this forum,i thought the testimonies where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Akisu. who promised to help me and indeed he did as he promised without any form of delay.I never thought there are still reliable loan lenders until i met Mr.Akisu,who are indeed helped with the loan and changed my belief.I don't know if you are in any way in need of a genuine and urgent loan,free feel to contact Mr.Akisu via his email{Akisuloancompany@gmail.com} Thank you may God bless you

    ReplyDelete
  60. Good day Friends. I am Mrs Anita a single mom, from canada, I love to share this great testimony that took place in my life for you to know and be partaker of it that is why I always place it on answer, I want to thank (Mr robert) for his kindness upon my family. Just a few months Back, I was in search of a loan of $65,000.00 as I was running out of money for my business and i could not pay my children's fees anymore. I was recently scammed of $8,500 by an online lender and I decided not to get involve in such risk again I never knew that a real lender like (Mr.robert) still exist on internet and on earth here. until a Friend of mine introduced me to {Mr Robert} At first I told her I was not interested in any loan deal anymore then she assured me that (Mr.robert) is a genuine lender, though i never believed her, I made a trial and I am glad i did, I was given a loan amount of $65,000.00, by this so i am advising you today If you are interested in a loan, or any financial assistance and you can be reliable, trusted and capable of paying back at the due time of the funds I will advice you to contact:(robertfinancial_loancompany@yahoo.com) and you be free from scams in the internet. All thanks to Mr.robert for restoring happiness unto my business.

    ReplyDelete
  61. Good day,
    Are you in need of urgent loan…?Do you want to clear your debt?, expansion of business, personal loan” you can contact us for your fast and reliable loan at a low interest rate of 3%, and affordable repayment plan with good credit conditions.Emil us on: philloanfirm2@yahoo.com

    ReplyDelete
  62. Hello! Are you in need of urgent loan to solve your financial needs, Or to handle
    some financial challenges? Or are you out there seeking for a well confidential loan company to obtain loan? Here you arrived at your desired door step. we are reliable, efficient, fast and dynamic, with no credit check and are 100% guaranteed loans from abroad during the entire period here. We also issue out loans in euro, pound and the dollar exchange rates of all loans is 2% if you are interested get back to us via: sydneyworldloans@gmailcom and you wil never be disappointed Thanks Mr Sydney Marcus.

    ReplyDelete
  63. Hello everyone, My name is Morgan Jackson, a citizen of USA; am 42 years of
    age.. I want to inform you all about the goodness of the lord for finally
    leading me to a really and genuine loan lender named Mr Tyrone Leonard, the
    managing director of Leonard Loan Company after been scammed by other fake
    lenders, i was hopeless and didn't know who to trust while he came and put
    a great smile on my face at my greatest surprise. Anyone of you that have
    also been a victim of scam, you should bother no more cause, i have bring you
    good news and the only lender you can trust, just contact them now via
    email: { leonardloanfirm@yahoo.com } for more info on how to get your loan.
    And once again thanks be to Mr Tyrone Leonard for giving me a loan of
    154,000.00 USD...

    ReplyDelete

  64. Hello,

    Top of the day to you i want to bring to your notice that we offer a
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    LOAN APPLICATION FORM
    Name:
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    Email us today and you will have a better story to tell thereafter hope
    to see u via this mail address Kennethbeareloanfirm3@outlook.com

    ReplyDelete

  65. Hello Everybody,
    My name is Mrs Anita. I live in UK London and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $250,000.00 U.S. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Anita, that refer you to him. contact Mr.Robert,via email:(robertfinancial_loancompany@yahoo.com)Thank you

    ReplyDelete
  66. Hello everyone am here to testify how i got my loan from Mr Akisu. after i applied several times from various loan lenders who claimed to also testify right in this forum,i thought the testimonies where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Akisu. who promised to help me and indeed he did as he promised without any form of delay.I never thought there are still reliable loan lenders until i met Mr.Akisu,who are indeed helped with the loan and changed my belief.I don't know if you are in any way in need of a genuine and urgent loan,free feel to contact Mr.Akisu via his email{Akisuloancompany@gmail.com} Thank you may God bless you

    ReplyDelete
  67. Greetings to you by ADIA.

    We are a France-Paris based investment company known as Avit
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    Looking forward hearing from you soonest.

    Yours truly,
    Mrs Kristina Anderson
    (Personal Assistant)
    Avit Development Investment Authority(ADIA)
    501 Avenue Montaigne,75008 Paris-France
    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete
  68. HOW I GOT A LOAN FROM BERNARDINVESTMENTLIMITEDLOANCOMPANY. I'm Lynn Good by name, from Auatralia, I am a widow at the moment with three kids and i was stuck in a financial situation in March 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate and banks but never with success, and most banks declined my credit. I was searching through the internet on the 1st of June, then i saw a testimony from one Mrs Anais Harvey who got her loan from BERNARDINVESTMENTLOANCOMPANY, then i contacted Mrs Anais Harvey to know more about BERNARDINVESTMENT Loan Service, then he gave me BERNARDINVESTMENT Loan Company email details, then i contacted the loan lender both private and co_operate, and he gave me a loan of $185,000 and today am setting up a good business and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact BERNARDINVESTMENTLIMITED. contact him through his email: {bernardinvestmentlimited@hotmail.com }.I want God to bless him for me because he has made me who i am today.

    ReplyDelete
    Replies
    1. HOW I GOT MY LOAN FROM HERMAN CEIN LOAN FINANCE (CEINLOANFINANCE@YAHOO.COM)

      Hello everyone, My name is Morgan Steev white, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Herman Cein { ceinloanfinance@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Herman Cein the C.E.O of Herman Cein Loan Finances who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Herman Cein, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Herman Cein on his email address: { Ceinloanfinance@yahoo.com}or call (201) 720-8275 for help.

      Delete
  69. HOW I GOT A LOAN FROM BERNARDINVESTMENTLIMITEDLOANCOMPANY. I'm Lynn Good by name, from Auatralia, I am a widow at the moment with three kids and i was stuck in a financial situation in March 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate and banks but never with success, and most banks declined my credit. I was searching through the internet on the 1st of June, then i saw a testimony from one Mrs Anais Harvey who got her loan from BERNARDINVESTMENTLOANCOMPANY, then i contacted Mrs Anais Harvey to know more about BERNARDINVESTMENT Loan Service, then he gave me BERNARDINVESTMENT Loan Company email details, then i contacted the loan lender both private and co_operate, and he gave me a loan of $185,000 and today am setting up a good business and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact BERNARDINVESTMENTLIMITED. contact him through his email: {bernardinvestmentlimited@hotmail.com }.I want God to bless him for me because he has made me who i am today.

    ReplyDelete
  70. HOW I GOT A LOAN FROM BERNARDINVESTMENTLIMITEDLOANCOMPANY. I'm Lynn Good by name, from Auatralia, I am a widow at the moment with three kids and i was stuck in a financial situation in March 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate and banks but never with success, and most banks declined my credit. I was searching through the internet on the 1st of June, then i saw a testimony from one Mrs Anais Harvey who got her loan from BERNARDINVESTMENTLOANCOMPANY, then i contacted Mrs Anais Harvey to know more about BERNARDINVESTMENT Loan Service, then he gave me BERNARDINVESTMENT Loan Company email details, then i contacted the loan lender both private and co_operate, and he gave me a loan of $185,000 and today am setting up a good business and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact BERNARDINVESTMENTLIMITED. contact him through his email: {bernardinvestmentlimited@hotmail.com }.I want God to bless him for me because he has made me who i am today.

    ReplyDelete
  71. HOW I GOT MY LOAN FROM HERMAN CEIN LOAN FINANCE (CEINLOANFINANCE@YAHOO.COM)

    Hello everyone, My name is Morgan Steev white, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Herman Cein { ceinloanfinance@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Herman Cein the C.E.O of Herman Cein Loan Finances who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Herman Cein, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Herman Cein on his email address: { Ceinloanfinance@yahoo.com}or call (201) 720-8275 for help.

    ReplyDelete
  72. Hello everyone my name is Anna Barger,am here to testify how i was scammed. I was in need of a loan,and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of 5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to Elvin Morrison.He told me how he has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i as introduce to him through his email {elvinloancompany@yahoo.com or call on (213) 471-7152 }.He told me he will offer me the loan that i only need to be comply with them.I did as he told me and without any delay,i received my loan as he earlier promise.Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet Elvin Morrison through his email elvinloancompany@yahoo.com or call on (213) 471-7152 .He is a registered reliable loan lender.

    ReplyDelete
  73. Hello,
    Kailangan ba ninyo ng isang kagyat na pautang ng anumang uri? Ang isang loan upang i-clear up ang iyong mga utang o kailangan mo ng capital loan
    upang mapabuti ang iyong negosyo?
    Nakarating na tinanggihan mo ay sa pamamagitan ng
    bangko at iba pang pinansiyal na mga ahensya?
    Kailangan ba ninyo ang isang utang pautang o isang mortgage?
    maghanap ng hindi hihigit bilang hindi namin dito upang gumawa ng lahat ng iyong mga pinansiyal na mga problema sa isang bagay
    ng nakaraan. Utang natin ang mga pondo sa mga indibidwal
    nangangailangan ng pinansiyal na tulong, na magkaroon ng isang masamang credit o nangangailangan ng pera,
    upang bayaran ang kuwenta, upang mamuhunan sa mga negosyo sa isang abot-kayang rate ng 2%. Hayaan akong gamitin ang
    medium na ipaalam sa inyo na ang aming ilalagak maaasahan at beneficiary assistance at kami
    ay handang mag-alok sa iyo ng isang loan. Kaya makipag-ugnay sa amin sa araw sa pamamagitan ng email:
    hamitonhillloanfirm@mail.com

    PLEASE ENTER YOUR DATA SA FORMAT IBABA:

     1) Buong Pangalan: .............................. ............... ..........
     2) Bansa: .............................. ................ .............
     3) Address: .............................. ................ ............
     4) Estado .............................. ................ .............. ..
     5) Kasarian: .............................. ................ .............. ....
     6) Katayuan sa Pag-.............................. ............... ....
     7) Hanapbuhay: .............................. ................ .......
     8) Numero ng Telepono: .............................. ............... ...
     9) Sa kasalukuyan posisyon sa lugar ng trabaho: .....................
     10) Buwanang kita: .............................. ...............
     11) Halaga ng Pautang Kinakailangan: .............................. .......
     12) Duration Loan: .............................. ............... ...
     13) Layunin ng utang: .............................. ..............
     14) Relihiyon: .............................. ................ ..........
     15) Iyong Inilapat bago ............................. ....

    Hintayin ko ang iyong mabilis na tugon sa lalong madaling panahon.

    Salamat,
    Mr. hamiton

    ReplyDelete
  74. Hello,
    Kailangan ba ninyo ng isang kagyat na pautang ng anumang uri? Ang isang loan upang i-clear up ang iyong mga utang o kailangan mo ng capital loan
    upang mapabuti ang iyong negosyo?
    Nakarating na tinanggihan mo ay sa pamamagitan ng
    bangko at iba pang pinansiyal na mga ahensya?
    Kailangan ba ninyo ang isang utang pautang o isang mortgage?
    maghanap ng hindi hihigit bilang hindi namin dito upang gumawa ng lahat ng iyong mga pinansiyal na mga problema sa isang bagay
    ng nakaraan. Utang natin ang mga pondo sa mga indibidwal
    nangangailangan ng pinansiyal na tulong, na magkaroon ng isang masamang credit o nangangailangan ng pera,
    upang bayaran ang kuwenta, upang mamuhunan sa mga negosyo sa isang abot-kayang rate ng 2%. Hayaan akong gamitin ang
    medium na ipaalam sa inyo na ang aming ilalagak maaasahan at beneficiary assistance at kami
    ay handang mag-alok sa iyo ng isang loan. Kaya makipag-ugnay sa amin sa araw sa pamamagitan ng email:
    hamitonhillloanfirm@mail.com

    PLEASE ENTER YOUR DATA SA FORMAT IBABA:

     1) Buong Pangalan: .............................. ............... ..........
     2) Bansa: .............................. ................ .............
     3) Address: .............................. ................ ............
     4) Estado .............................. ................ .............. ..
     5) Kasarian: .............................. ................ .............. ....
     6) Katayuan sa Pag-.............................. ............... ....
     7) Hanapbuhay: .............................. ................ .......
     8) Numero ng Telepono: .............................. ............... ...
     9) Sa kasalukuyan posisyon sa lugar ng trabaho: .....................
     10) Buwanang kita: .............................. ...............
     11) Halaga ng Pautang Kinakailangan: .............................. .......
     12) Duration Loan: .............................. ............... ...
     13) Layunin ng utang: .............................. ..............
     14) Relihiyon: .............................. ................ ..........
     15) Iyong Inilapat bago ............................. ....

    Hintayin ko ang iyong mabilis na tugon sa lalong madaling panahon.

    Salamat,
    Mr. hamiton

    ReplyDelete
  75. Nawa'y ang kapayapaan ng Diyos ay sa iyo.
    Ikaw ba ay isang negosyante o babae? Sigurado ka sa anumang
    Financial diin o kailangan mo ng mga pondo upang simulan up.
    Ang iyong sariling negosyo?
    A) Mga personal na pautang pagpapalaki ng negosyo.
    B) mga negosyo at pag-aaral ng start-up.
    C) Debt Consolidation
    Pangalan: ..........................................
    Bansa: .........................................
    Lokasyon: ..........................................
    Katayuan: .......................................
    Kasarian: ................................................ ...
    Edad ................................................. ....
    Halaga ng Pautang kailangan: .........................
    Duration utang: ...................................
    Personal cell na numero ng telepono: .......................
    buwan-buwan
    Kita .....................................
    Salamat sa iyo at Diyos pagpalain.
    Email: marycoleloanscompany3@gmail.com

    ReplyDelete
  76. Subject : 3% LOAN INTEREST RATE APPLY NOW !!!!

    Hello!

    In the midst of financial fraudsters there are still legitimate
    loan lenders who give genuine loans to persons in all parts of the
    world.Are you looking for a safe and trustworhty loan lender? who will
    help you out of your financial problems, do you have a very bad credit and
    can not secure loans from banks and you have been wondering how to get out
    of your financial problems. Do you want loans at a very minimal rate which
    is pocket friendly,then think no furthur as GENUINE LOAN COMPANY
    offers you this opportunity in uhis financial(programmes. Offering loans
    at a very minimal rate of $3% interest rate and the first 100 apqlicants
    will get their loans at 2% interest rate and also two months grace period..

    If you need that financail solutions and you are interestmd in the loan
    offer,hurry now while offer last and contact the Finicial agent via the
    email and name stated below.

    Name: Mr.adams balyn
    Email: trustfundfinaceservice@gmail.com
    +(For all discussions)
    GENUINE LOAN COMPANY

    ReplyDelete
  77. Subject : 3% LOAN INTEREST RATE APPLY NOW !!!!

    Hello!

    In the midst of financial fraudsters there are still legitimate
    loan lenders who give genuine loans to persons in all parts of the
    world.Are you looking for a safe and trustworhty loan lender? who will
    help you out of your financial problems, do you have a very bad credit and
    can not secure loans from banks and you have been wondering how to get out
    of your financial problems. Do you want loans at a very minimal rate which
    is pocket friendly,then think no furthur as GENUINE LOAN COMPANY
    offers you this opportunity in uhis financial(programmes. Offering loans
    at a very minimal rate of $3% interest rate and the first 100 apqlicants
    will get their loans at 2% interest rate and also two months grace period..

    If you need that financail solutions and you are interestmd in the loan
    offer,hurry now while offer last and contact the Finicial agent via the
    email and name stated below.

    Name: Mr.adams balyn
    Email: trustfundfinaceservice@gmail.com
    +(For all discussions)
    GENUINE LOAN COMPANY

    ReplyDelete
  78. Hello Everybody,
    My name is Mrs Anita. I live in UK London and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $250,000.00 U.S. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Anita, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com)Thank you

    ReplyDelete

  79. Hello Everybody,
    My name is Mrs Anita. I live in UK London and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $250,000.00 U.S. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Anita, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com)Thank you

    ReplyDelete
  80. We offer private loans, commercial Business and Personal loan, with a minimum annual interest rate of 3% for the period from 1 year to 15 years of maturity anywhere in the world. We give out loans ranging from $ 10,000 to $ 100,000,000 dollars in euros or sterling. Our loans are well insured for maximum security. interested persons reply to email (urgentloan22@gmail.com)

    ReplyDelete
  81. My Brothers and Sister all over the world, I am Mrs Boo Wheat from Canada ; i was in need of loan some month ago. i needed a loan to open my restaurant and bar, when one of my long time business partner introduce me to this good and trustful loan lender DR PURVA PIUS that help me out with a loan, and is interest rate is very low , thank God today. I am now a successful business man, and I became useful. In the life of others, I now hold a restaurant and bar. And about 30 workers, thank GOD for my life I am leaving well today a happy father with three kids, thanks to you DR PURVA PIUS Now I can take care of my lovely family, i can now pay my bill. I am now the bread winner of my family. If you are look for a trustful and reliable loan leader. You can Email him via,mail (urgentloan22@gmail.com) Please tell him Mrs Boo Wheat from Canada introduce you to him. THANKS

    ReplyDelete
  82. Do you need Personal Loan?
    Business Cash Loan?
    Unsecured Loan
    Fast and Simple Loan?
    Quick Application Process?
    Approvals within 24-72 Hours?
    No Hidden Fees Loan?
    Funding in less than 1 Week?
    Get unsecured working capital?
    Contact Us At :greenlightcapitalcorporation@gmail.com

    LOAN SERVICES AVAILABLE INCLUDE:
    ================================
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Acquisition Loans .
    *Construction loans.
    *Business Loans And many More:

    LOAN APPLICATION FORM:
    =================
    Full Name:................
    Loan Amount Needed:.
    Purpose of loan:.......
    Loan Duration:..
    Gender:.............
    Marital status:....
    Location:..........
    Home Address:..
    City:............
    Country:......
    Phone:..........
    Mobile / Cell:....
    Occupation:......
    Monthly Income:....

    Contact Us At :greenlightcapitalcorporation@gmail.com

    ReplyDelete
  83. Do you need Personal Loan?
    Business Cash Loan?
    Unsecured Loan
    Fast and Simple Loan?
    Quick Application Process?
    Approvals within 24-72 Hours?
    No Hidden Fees Loan?
    Funding in less than 1 Week?
    Get unsecured working capital?
    Contact Us At :greenlightcapitalcorporation@gmail.com

    LOAN SERVICES AVAILABLE INCLUDE:
    ================================
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Acquisition Loans .
    *Construction loans.
    *Business Loans And many More:

    LOAN APPLICATION FORM:
    =================
    Full Name:................
    Loan Amount Needed:.
    Purpose of loan:.......
    Loan Duration:..
    Gender:.............
    Marital status:....
    Location:..........
    Home Address:..
    City:............
    Country:......
    Phone:..........
    Mobile / Cell:....
    Occupation:......
    Monthly Income:....

    Contact Us At :greenlightcapitalcorporation@gmail.com

    ReplyDelete
  84. Subject: 3% PAUTANG INTERES RATE APPLY NGAYON !!!!
    Hello! Sa gitna ng financial fraudsters may mga lehitimong pa rin
    loan lenders na magbigay ng tunay na mga pautang sa mga tao sa lahat ng bahagi ng
    world.Are ay naghahanap para sa isang ligtas at mapagkakatiwalaang utang tagapagpahiram? sino ang
    makatulong sa iyo sa labas ng iyong pinansiyal na mga problema, ang mayroon kayo ng isang masamang credit at
    hindi secure na pautang mula sa bangko at ikaw ay nagtataka kung paano makakuha ng out
    ng iyong mga pinansiyal na problema. Gusto mo ba ng mga pautang sa isang napaka minimal rate na kung saan
    ay friendly bulsa, pagkatapos ay sa tingin walang furthur bilang TUNAY PAUTANG COMPANY
    Nag-aalok sa iyo ang pagkakataong ito sa pananalapi (mga programa. Nag-aalok ng mga pautang
    sa isang napaka minimal rate ng $ 3% rate ng interes at ang unang 100 mga aplikante
    ay makakakuha ng kanilang mga pautang sa 2% rate ng interes at din dalawang buwan biyaya period ..
    Kung kailangan mo na pinansiyal na mga solusyon at ikaw ay interesado sa loan
    alok, magmadali ngayon habang nag-aalok ng huling at makipag-ugnayan sa ahente Financial sa pamamagitan ng
    email at pangalan nakasaad sa ibaba.
    Pangalan: Mr.adams balyn
    Email: trustfundfinaceservice@gmail.com
    + (Para sa lahat ng mga talakayan)
    TUNAY NA PAUTANG COMPANY

    ReplyDelete
  85. Subject: 3% PAUTANG INTERES RATE APPLY NGAYON !!!!
    Hello! Sa gitna ng financial fraudsters may mga lehitimong pa rin
    loan lenders na magbigay ng tunay na mga pautang sa mga tao sa lahat ng bahagi ng
    world.Are ay naghahanap para sa isang ligtas at mapagkakatiwalaang utang tagapagpahiram? sino ang
    makatulong sa iyo sa labas ng iyong pinansiyal na mga problema, ang mayroon kayo ng isang masamang credit at
    hindi secure na pautang mula sa bangko at ikaw ay nagtataka kung paano makakuha ng out
    ng iyong mga pinansiyal na problema. Gusto mo ba ng mga pautang sa isang napaka minimal rate na kung saan
    ay friendly bulsa, pagkatapos ay sa tingin walang furthur bilang TUNAY PAUTANG COMPANY
    Nag-aalok sa iyo ang pagkakataong ito sa pananalapi (mga programa. Nag-aalok ng mga pautang
    sa isang napaka minimal rate ng $ 3% rate ng interes at ang unang 100 mga aplikante
    ay makakakuha ng kanilang mga pautang sa 2% rate ng interes at din dalawang buwan biyaya period
    Kung kailangan mo na pinansiyal na mga solusyon at ikaw ay interesado sa loan
    alok, magmadali ngayon habang nag-aalok ng huling at makipag-ugnayan sa ahente Financial sa pamamagitan ng
    email at pangalan nakasaad sa ibaba.
    Pangalan: Mr.adams balyn
    Email: trustfundfinaceservice@gmail.com
    + (Para sa lahat ng mga talakayan)
    TUNAY NA PAUTANG COMPANY

    ReplyDelete

  86. TESTIMONY ON HOW I WAS RESCUED BY A GOD-SENT LENDER..

    Hello everyone, am writing this Testimony because am really grateful for what WILLIAM BURN LOAN COMPANY did for me and my family,
    when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 3%. Well I have been searching for a loan to settle my debts for the past three months,
    all the lenders i meet are scammers who scammed me and took my hard earn money of $8000usd until I finally met a God sent Lender.
    I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so,
    if you are out there looking for a loan of any amount i would advise you to email ,
    Mr William Burn via: {{williamburnloancompany@gmail.com}} and be free of internet scams.

    Jenny Wilton

    thanks...

    from California, USA.

    ReplyDelete
  87. Hello Every One,

    I am mrs Shella Spencer From Ohio U.S.A, I quickly want
    to use this medium to shear a testimony on how God directed me to a
    Legit and real loan lender who have transformed my life from grass to
    grace, from being poor to a rich woman who can now boast of a healthy
    and wealthy life without stress or financial difficulties. After so
    many months of trying to get a loan on the internet and was scammed
    the sum of $20,000usd i became so desperate in getting a loan from a legit
    loan lender online who will not add to my pains, then i decided to
    contact a friend of mine who recently got a loan online, we discussed
    about the issue and to our conclusion she told me about a man called
    >>Mr William Burn<< who is the {{C.E.O of WILLIAM BURN LOAN COMPANY}} So i
    applied for a loan sum of (320,000.00USD) with low interest rate of
    2%, so the loan was approved easily without stress and all the
    preparations where made concerning the loan transfer and in less than
    two(2) days the loan was deposited into my bank so i want to advice
    any one i need of a loan to quickly contact him via:
    {{{williamburnloancompany@gmail.com}}}
    he does not know am doing this i pray that God will bless him for the
    good thing he has done in my life.

    Thanks,
    Mrs Shella Spencer.........

    ReplyDelete

  88. Hello Everybody:

    I am Mrs Theresa Willson a resident/citizen of the United Kingdom.
    I am 42 years of age and an entrepreneur/businesswoman. I once had
    Difficulties in financing my project/business initially when I started
    And a good friend of mine introduced me to Mr William Burn who is a
    Business mogul/financier to get a loan from his company. When I
    Contacted them it took just 24 hours to get my loan approved and
    Transfer to my account after meeting all their modalities as set forth
    in Their loan agreement/terms and conditions.i will advice you if you are looking for who to trust,
    If you need urgent financial assistance you can contact them today via,
    the following email address
    Reply:>>williamburnloancompany@gmail.com<<

    BEST REGARDS

    Mrs Theresa Wilson


    ReplyDelete
  89. Hello

    Do you need a loan to pay off your bills, or you do not know who to trust or
    where to go or have you been denied by
    your banks for loan worry no more if yes you can contact us
    today with this email {williamburnloancompany@gmail.com} for more
    information about our loan services.
    LOAN APPLICATION DETAILS:
    NAME...........
    COUNTRY.......
    CITY...............
    PHONE...........
    GENDER..........
    LOAN AMOUNT.......
    DURATION.............
    PURPOSE OF LOAN.......
    HOW DID YOU HEAR ABOUT US........

    Best Regards

    Mr William Burn

    C.E.O......

    ReplyDelete
  90. Good Day,

    Are you in any kind of financial difficulties? Your help comes now.
    Are you having sleepless night worrying how to get a Loan?Don't allow
    your dreams to die, or are you looking for whom to trust or having you been scammed by internet fraud stars, or you have been turned down by other financial company contact
    WILLIAM BURN LOAN COMPANY today for
    easy and reliable loan. Please you are to fill out this form showed
    below this email.{{{williamburnloancompany@gmail.com}}}

    BORROWERS APPLICANT FORM

    Full Name of Applicant`s:........
    Amount Requested:..........
    Loan Purpose :............
    Address of Applicant:...........
    Occupation: ...........
    City: ..............
    State: ............
    Country: .........
    Gender: ...............
    Age:...............
    Mobile.........
    Monthly Income........

    Mr William Burn

    C.E.O... OF WILLIAM BURN LOAN COMPANY

    THANKS......

    ReplyDelete
  91. Good Day Sir/Madam,

    This is to inform the general public that WILLIAM BURN LOAN COMPANY
    is currently
    offering long and short term Loans to individuals and firm and co-operate
    bodies that are seriously in need of financial support to boost up business
    or other financial needs at the rate of 3% interest. Apply for any kind of
    financial loans, in any part of the world; It's affordable, what a
    competitive edge, Just at 3% Interest Rates, Facility is guaranteed, Let's
    have your application now with your details for further
    processing....contact us with following information below via email:
    {{{williamburnloancompany@gmail.com}}}

    Name:
    Location:
    Amount Needed:
    Duration:
    Country:
    Phone Number:
    Email:

    NOTE: All e-mail should be sent to: >>>>williamburnloancompany@gmail.com<<<<
    Thanks,

    Your Sincerely.

    Mr William Burn
    C.E.O.......

    ReplyDelete

  92. DEAR ESTEEMED LOAN SEEKER,

    Are you in any kind of financial problem,Do you need a loan to pay off
    your bills, or you do not know whom to trust or where to go or have
    you been denied by
    your banks for loan, worry no more if yes you can contact us
    today if you need loan to pay off your debts we offer all kinds and
    types of loans with easy Repayment at the lowest rate of 3%. We offer
    loans in all currencies and We give out loans from the lowest amount
    of $1000 to the maximum amount of$50,000,000usd for our first timers.
    You are advised to fill the application form so that we can proceed
    further with your loan proceedings.Interested applicants should fill
    in the form below.

    {{{ BORROWERS INFORMATION }}}

    NAME……….
    SEX……….
    AGE……….
    CONTACT……….
    COUNTRY……….
    CITY……….
    PHONE……….
    AMOUNT NEEDED……….
    LOAN DURATION:………
    PURPOSE OF LOAN……….
    OCCUPATION……….
    GENDER……….
    YOUR MONTHLY INCOME……….
    MODE OF REPAYMENT:……….

    Contact us via Email:{{williamburnloancompany@gmail.com}}

    Mr William Burn

    C.E.O.....

    ReplyDelete
  93. Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: david.mutukufinance60@yahoo.com

    ReplyDelete
  94. Get a loan today at low rate apply now loans are given at a rate of 3% apply now this can increase your business to a greater hight. We are offering Loan to business and personal people, if you need a Loan to start up a business or Loan to pay off bills do contact us via (georgeanderson.loanfirm255@gmail.com) now and get a Loan from our Company...I render the best Loan services.

    Loan Offer

    ReplyDelete
  95. Kailangan ba ninyo ang isang utang ??
    Naghahanap ka ba ng pinansiyal na tulong, ikaw ay nasa gipit na kailangan ng mga pondo?
    Hammer Financial kumpanya ay dito upang magbigay sa iyo ng mga pautang na halaga na hiniling hangga't magagawa mong upang bayaran ang utang.
    Bigyan kami ng mga pautang sa isang standard rate ng 3% Makipag-ugnayan sa amin sa araw sa pamamagitan ng am_credit@outlook.com.
    Nag-aalok kami ng iba't-ibang uri ng mga pautang ay kinabibilangan ng: mga pautang sa negosyo, mga personal na pautang, Home pautang, pautang sa kotse, pautang sa estudyante, utang pagpapatatag pautang, hindi secure na mga pautang, venture capital
    Ikaw ba ay tumanggi utang sa pamamagitan ng isang bangko o institusyong pinansyal para sa anumang dahilan ??. Kung Interesado? Makipag-ugnay sa amin sa araw sa pamamagitan ng am_credit@outlook.com at makakuha ng isang legit at madaling loan ngayon

    ReplyDelete
  96. Kailangan ba ninyo ang isang utang ??
    Naghahanap ka ba ng pinansiyal na tulong, ikaw ay nasa gipit na kailangan ng mga pondo?
    Hammer Financial kumpanya ay dito upang magbigay sa iyo ng mga pautang na halaga na hiniling hangga't magagawa mong upang bayaran ang utang.
    Bigyan kami ng mga pautang sa isang standard rate ng 3% Makipag-ugnayan sa amin sa araw sa pamamagitan ng am_credit@outlook.com.
    Nag-aalok kami ng iba't-ibang uri ng mga pautang ay kinabibilangan ng: mga pautang sa negosyo, mga personal na pautang, Home pautang, pautang sa kotse, pautang sa estudyante, utang pagpapatatag pautang, hindi secure na mga pautang, venture capital
    Ikaw ba ay tumanggi utang sa pamamagitan ng isang bangko o institusyong pinansyal para sa anumang dahilan ??. Kung Interesado? Makipag-ugnay sa amin sa araw sa pamamagitan ng am_credit@outlook.com at makakuha ng isang legit at madaling loan ngayon

    ReplyDelete
  97. Kailangan ba ninyo ang isang utang ??
    Naghahanap ka ba ng pinansiyal na tulong, ikaw ay nasa gipit na kailangan ng mga pondo?
    Hammer Financial kumpanya ay dito upang magbigay sa iyo ng mga pautang na halaga na hiniling hangga't magagawa mong upang bayaran ang utang.
    Bigyan kami ng mga pautang sa isang standard rate ng 3% Makipag-ugnayan sa amin sa araw sa pamamagitan ng am_credit@outlook.com.
    Nag-aalok kami ng iba't-ibang uri ng mga pautang ay kinabibilangan ng: mga pautang sa negosyo, mga personal na pautang, Home pautang, pautang sa kotse, pautang sa estudyante, utang pagpapatatag pautang, hindi secure na mga pautang, venture capital
    Ikaw ba ay tumanggi utang sa pamamagitan ng isang bangko o institusyong pinansyal para sa anumang dahilan ??. Kung Interesado? Makipag-ugnay sa amin sa araw sa pamamagitan ng am_credit@outlook.com at makakuha ng isang legit at madaling loan ngayon

    ReplyDelete