Pag-IBIG releases record-high P118B home loans in 2022: Over 100,000 members with new homes

Pag-IBIG Fund released a record-high P117.85 billion in home loans to finance the housing units of 105,212 members in 2022, its top officials announced January 18 (Wednesday).

For 2022, the amount of home loans released by the agency increased by 21% or P20.57 billion compared to the P97.28 billion released in 2021. With the amount, Pag-IBIG financed the acquisition and construction of 105,212 homes for its members, or an increase of 11% from the 94,533 homes financed in 2021.

“We are happy to report that Pag-IBIG Fund has once again set a new record-high in home loan releases in 2022. This is very good news because as the amount of home loans we release increases, so does the number of Filipinos who now have homes of their own. PagIBIG Fund’s performance is a testament to our united and unwavering efforts to resolve the country’s housing backlog, in line with the objective of President Ferdinand Marcos, Jr. under the Pambansang Pabahay Para sa Pilipino Program,” said Secretary Jose Rizalino L. Acuzar, who heads the Department of Human Settlements and Urban Development (DHSUD) and the 11-member Pag- IBIG Fund Board of Trustees.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta, meanwhile, noted that the 105,212 housing units financed in year 2022 is also a record-high, and marks the first time that the agency has financed more than 100,000 housing units in a single year. She further stated that out of the total housing units financed by

Republic of the Philippines SUPREME COURT 10th Judicial Region REGIONAL TRIAL COURT OF MISAMIS ORIENTAL Cagayan de Oro City OFFICE OF THE EXECUTIVE JUDGE

PETITION FOR RENEWAL OF APPOINTMENT NC-2023-100 AS NOTARY PUBLIC FOR THE CITY OF CAGAYAN DE ORO AND THE PROVINCE OF MISAMIS ORIENTAL, ATTY. RAUL MANUEL P. PAAYAS, X-----------------------------------------------------------------/

IN RE: PETITION FOR COMISSION NC-2023-101 AS NOTARY PUBLIC IN THE CITIES OF CAGAYAN DE ORO AND EL SALVADOR AND IN THE PROVINCE OF MISAMIS ORIENTAL, ATTY. SHANNON MAE O. CANOY, X-----------------------------------------------------------------/

IN RE: PETITION FOR RENEWAL OF APPOINTMENT NC-2023-102 AS NOTARY PUBLIC FOR AND IN THE MUNICIPALITIES OF MISAMIS ORIENTAL AND THE CITY OF CAGAYAN DE ORO, ATTY. KATHERINE D. LEYSON-GALERA, X-----------------------------------------------------------------/

IN RE: PETITION FOR REAPPOINTMENT AS NC-2023-103 NOTARY PUBLIC,

ATTY. MARIO PAUL A. LABIS, X-------------------------------------------------------- / RE: PETITION FOR RENEWAL OF COMMISSION NC-2023-104 AS NOTARY PUBLIC, ATTY. MARC DAVID M. EVANGELISTA X----------------------------------------------------- /

Order

Atty. Raul Manuel P. Paayas, Atty. Shannon Mae O. Canoy, Atty. Katherine D. Leyson-Galera, Atty. Mario Paul A. Labis, and Atty. Marc David M. Evangelista filed the above verified petitions for commission as Notaries Public.

Finding the petitions to be sufficient in form and substance let the same be set for summary hearing on February 01, 2023, at 2:00 o’clock in the afternoon before the sala of this Court. Interested persons or party may file a verified opposition in writing which should be received by the Court before the scheduled hearing why the petitions should not be granted.

Further, let this Order be published at the expense of the petitioners at least once in a newspaper of general circulation in the Province of Misamis Oriental. Likewise, let a notice to the public of the hearing be posted in conspicuous places at the Hall of Justice of Cagayan de Oro City and the bulletin board of this Court.

Let a copy of this Order be furnished the Chapter President of the Integrated Bar of the Philippines, Misamis Oriental. SO ORDERED.

In CHAMBERS this 16th day of January 2023, Cagayan de Oro City.

(SGD) ARTHUR L. ABUNDIENTE Executive Judge

EXTRAJUDICIAL

Settlement Of Estate

KNOW ALL MEN BY THES PRESENTS: That the late EPHRAIM FACTURA LANCERO, who died on December 31, 2020 in PFLUGERVILLE, TEXAS, 78660, died without any will or testament and without any outstanding debts in favor of any person or entity, that at the time of his death, left a certain real property, A PARCEL OF LAND with TCT No. T-44475, situated in the City of Cagayan de Oro, containing an area of SEVEN HUNDRED SEVENTY TWO (772) SQUARE METERS, more or less. Is the subject of EXTRAJUDICIAL SETTLEMENT OF ESTATE, made and entered into this 29th day of NOVEMBER 2021 by and among: VIRGINIA E. LANCERO, of legal age, widow, formerly a Filipino and now a naturalized citizen of the United States of America, and with residence and postal address at 16304 Malden Dr, Pflugerville, TX 78660; JEFFREY EPHRAIM E. LANCERO, of legal age, married to Gretchen Lynn Lancero, formerly a Filipino and now a naturalized citizen of the United States of America, and with residence and postal address at 5539 Celebration St., Sacramento, CA 95835; SHARON LEE E. LANCERO-CHESHIRE, of legal age, married to Neil Robert Cheshire, formerly a Filipino and now a naturalized citizen of the United States of America, and with residence and postal address at 17409 Cameron Rd., Unit A, Pflugerville, TX 78660; Registered in the name of LUIS F. LANCERO, JR., married to Corazon Lai Lancero and residents of Long Beach, California, U.S.A.; ROLANDO F. LANCERO, married to Leticia Abuton and resident of Ozamiz City; LUZMIN L. CAAGBAY, married to Pastor Caagbay, and resident of Cagayan de Oro City; EPHRAIM F. LANCERO, married to Virginia Estabillo and resident of Tagum, Davao; PRECIOUSA L. ROA, married to Waldo A. Roa and resident of Cagayan de Oro. THAT said deceased co-owned the abovedescribed property together with his siblings, and owned one-fifth (1/5) of it; Filed by the heirs of EPHRAIM FACTURA LANCERO, As per Doc. No. 203; Page No. 42; Book No. VIII; Series of 2021 under the Notarial Registry of ATTY. JESUS CARLO JOENIL A. QUIRAP.

18 & 25, 2023

EXTRA JUDICIAL PARTITION OF THE ESTATE OF THE LATE SPS. MIGUEL ABONITALLA AND LIBERTY O. ABONITALLA the agency last year, 18,657 or 18% were socialized housing units which are now owned by members from the minimum-wage and low-income sectors.

NOTICE hereby given that SPS. MIGUEL ABONITALLA and LIBERTY O. ABONITALLA, who died on June 17, 1994 and October 2, 2012 in Cag. De Oro. The deceased, Sps. Miguel Abonitalla and Liberty O. Abonitalla, at the time of their death owned a parcel of land, with Transfer certificate of Title TCT- T-3060 and Tax Dec. No. G-059614, situated in the Poblacion, Municipality of Cagayan, Province of Misamis Oriental, containing an area of TWO HUNDRED SEVENTY EIGHT (278) SQUARE METERS.

Is the subject of EXTRA JUDICIAL PARTITION OF THE ESTATE OF THE LATE SPS. MIGUEL ABONITALLA AND LIBERTY O. ABONITALLA, made and executed by and among the heirs, namely: NESTOR O. ABONITALLA, of legal age, Filipino citizen, married and a resident of Pilot de Lara Road, Tomas-Saco, Macasandig, Cagayan de Oro City, Misamis Oriental; VIRGINIA O. ABONITALLA, of legal age, Filipino citizen, single and a resident of Nazareth, Cagayan de Oro City; SONIA O. ABONITALLA, of legal age, Filipino citizen, single and a resident of Nazareth, Cagayan de Oro City; GILBERT O. ABONITALLA, of legal age, Filipino citizen, single and a resident of Pilot de Lara Road, Tomas-Saco St., Macasandig, Cagayan de Oro City; MARIVIC A. TABOR, of legal age, Filipino citizen, married and a resident of Nazareth, Cagayan de Oro City; SARAH A. HIPONA, of legal age, Filipino Citizen, married and a resident of Macasandig, Cagayan de Oro City; HEIRS OF AMPARO CECILIA A. RAMBUYON: JOSE IMMANUEL MIGUEL RAMBUYON, of legal age, Filipino citizen, single and a resident of B43-Lot11, Xavier Heights Subd.,Upper Balulang, Cagayan de Oro City; CELINE HADASSAH RAMBUYON, of legal age, Filipino citizen, single and a resident of B43-Lot11, Xavier Heights Subd.,Upper Balulang, Cagayan de Oro City, herein referred to as the HEIRS, filed by the heirs of SPS. MIGUEL ABONITALLA and LIBERTY O. ABONITALLA. As per Doc. No.15; Page No. 03; Book No. 18; Series of 2021 under the Notarial Registry of ATTY. ISIDRO Q. LICO.

“We at Pag-IBIG Fund have always strived to provide our members – the Filipino workers, the means to have their own homes through affordable shelter financing. That is why we take great pride in achieving a record- high number of housing units financed in 2022 because it means that we have empowered even more Filipinos in gaining their own homes. And, as we embark on yet another year, our members can continue to rely on Pag- IBIG Fund to provide them the most affordable home loan in the market, so that they too can achieve their dream of homeownership. That is the Lingkod Pag-IBIG pledge,” Acosta added.

Extrajudicial Settlement Of Estate

KNOW ALL MEN BY THES PRESENTS: That the late R OLANDO FACTURA LANCERO, who died on July 23, 1998 in Faith Hospital, Ozamiz City, Misamis Occidental, died without any will or testament and without any outstanding debts in favor of any person or entity, that at the time of his death, left a certain real property, A PARCEL OF LAND with TCT No. T-44475, situated in the City of Cagayan de Oro, containing an area of SEVEN HUNDRED SEVENTY TWO (772) SQUARE METERS, more or less. Is the subject of EXTRAJUDICIAL SETTLEMENT OF ESTATE, made and entered into this 22nd day of DECEMBER 2021 by and among: ROLANDO ANTONINO ABUTON LANCERO, of legal age, formerly a Filipino and now a naturalized citizen of the United States of America, and with residence and postal address at 3 Morningside Drive, Old Bridge, NJ 08857, United States of America; MARIA THERESE VERONICA ABUTON LANCEROALEGRES, of legal age, formerly a Filipino and now a naturalized citizen of the United States of America, and with residence and postal address at 223 Elmwood Ave., Union, NJ 07083, United States of America; RONALDO DARIO MARTIN ABUTON LANCERO, of legal age, formerly a Filipino and now a naturalized citizen of the United States of America, and with residence and postal address at 159 Byrd St., Oceanside, NY 11572, United States of America; Registered in the name of LUIS F. LANCERO, JR., married to Corazon Lai Lancero and residents of Long Beach, California, U.S.A.; ROLANDO F. LANCERO, married to Leticia Abuton and resident of Ozamiz City; LUZMIN L. CAAGBAY, married to Pastor CAAGBAY, and resident of Cagayan de Oro City; EPHRAIM F. LANCERO, married to Virginia Estabillo and resident of Tagum, Davao; PRECIOUSA L. ROA, married to Waldo A. Roa and resident of Cagayan de Oro. THAT said deceased co-owned the abovedescribed property together with his siblings, and owned one-fifth (1/5) of it; Filed by the heirs of ROLANDO FACTURA LANCERO. As per Doc. No. 329; Page No. 67; Book No. VIII; Series of 2021 under the Notarial Registry of ATTY. JESUS CARLO JOENIL A. QUIRAP.

These restrictions included the requirements set by various BARMM ministries, time constraints and lack of manpower in the BBOI, he said.

“We need more personnel for investments and a more efficient structure conducive to facilitating investments in the BARMM,” Pasigan said in a statement.

For 2022, the investments registered with the BBOI included the Pagana Kutawato Corporation (P100 million), Hanabana Construction and Equipment Corporation (P96 million), Usman Banana Farm (P278 million), Nama Concrete Philippines Corp. (P341 million), Mt. Kalatungan Agri-Ventures, Inc. (P223 million), Austrian Trade and Investments Group, Inc. (P170 million) and Kaltimex Rural Energy Corporation (P76 million).

These investments generated at least 1,052 jobs, the BBOI said.

Over the past years, agriculture has become the major investment haven in the Bangsamoro region due to its ideal agro-climactic conditions and fertile lands, Pasigan said.

However, for 2022, other investments in infrastructure, manufacturing and energy pushed through as investors realized their viability in the Bangsamoro region, he added.

Pasigan said his office had exerted more efforts in promoting investments by conducting BARMMwide Strategic Investment Priorities Plan consultations and even went out of its way to attract investors through business coaching and investment facilitation.

According to him, the BARMM “should not take the plunge in investment as something negative.”

“We should see this as a challenge,” Pasigan said.

He encouraged domestic and foreign investors to put up business in the BARMM, citing the more stable peace and order situation in the region headed by Interim Chief Minister Ahod Ebrahim.

The BARMM covers the provinces of Maguindanao del Norte, Maguindanao del Sur, Basilan, Sulu and TawiTawi, the cities of Marawi, Lamitan and Cotabato, and 63 villages from six towns in North Cotabato known as the Bangsamoro Special Geographic Area.

The creation of the Bangsamoro region is the key component of the Comprehensive Agreement on the Bangsamoro, which the government and the Moro Islamic Liberation Front forged in 2014 after 17 years of peace negotiations.

The BARMM was created in January 2019 following a plebiscite that ratified Republic Act 11054 or the Organic Law for the BARMM.

The UCME, in particular, refers to a separate line item in the electric bills being collected from all ratepayers and that in turn is funneled as cost subsidy to the electricity service being extended to the SPUG areas.

The subsidy mechanism for these off-grid jurisdictions is highly necessary because electricity rates in these areas typically hover at staggering P14 to more than P20 per kilowatt hour.

NPC, for its part, is hamstrung with delayed cost recoveries for UCME that have been pending with the Energy Regulatory Commission (ERC) for years already – hence, the government-run power company is now practically incapacitated when it comes to required funding for the purchase of fuels that it will utilize on running the thermal plants serving the power needs of SPUG areas.

NEA conveyed that during a ‘consultative meeting’ among relevant energy agencies, “NPC apprised the attendees that they already have a crisis management and communication plan which was approved by the National Power Board to address the supply curtailment and the delay in UCME subsidy payment.”

While contingency measures are being sorted, NPC President Fernando Martin Roxas indicated that their company is already availing of P5.0 billion loan, which is solely intended for its required fuel purchases.

The bad news on that proposed remedy, however, is that: the loan release may only be expected by May this year – which is three months away from when power supply curtailment already needs to be resorted to by February.

The option pleaded to by NPC, NEA noted, is on the possibility that the electric cooperatives would be advancing the payments needed for fuel procurements.

Relative to that development, NEA Administrator Antonio Mariano Almeda has directed Atty. Omar Mayo, deputy administrator for technical services of the agency, “to coordinate with NPC regarding the advance payment of the ECs as part of the short-term solution to the problem.”

Additionally, the NEA chief “asked the ECs to meet with their respective local government officials to aid in the advance payment,” and for the ECs “to inform their member-consumerowners about the looming power crisis.” the impact of rising interest rates, soaring inflation and slowing global demand on the economy’s recovery. clients.”

"Ang kining mga telcos nato ang ga-collect lang kanang pwede mu-handle sa atong data, ang mga telcos lang gyud. So wala'y lain gitagaan og authority, any person or even another government agency nga mu-handle sa inyong data or mu-collect sa inyong data. So it's only the telcos nga pwede mu-collect ug mag-store sa atong data," he said adding that there are corresponding penalties of offenses given to those who violate the regulations together with the Data Privacy Act of 2012.

As for any loss or changes of SIM information, Abaday said users need to inform the NTC or telcos for immediate action.

Despite difficulties encountered, NTC continues to urge users to register before April 26 in order to avoid heavy traffic on websites and deactivation of SIM cards for existing subscribers.

BSP, in November 2022, imposed the ceiling on the monthly interest rate on credit cards to lessen the impact of the pandemic on consumers and boost lending activities to help both the consumers and the industry. It, however, said that with interest rates rising now as part of central banks’ response partly to the elevated inflation rates globally, it is necessary to also hike the interest rate ceiling to “help banks/credit card issuers cover higher costs related to the efficient handling of consumer transactions, including prompt and timely dispute resolution, as well as the retention of competent personnel.” “It will also make funding available for long-term investments that will institutionalize process improvements, strengthen cybersecurity and Information Technology systems, and nurture innovation in these financial institutions that will lead to better customer experience,” the BSP said. (PNA) and beyond. And when love is in one’s heart, time and space have no meaning for love transcends everything. Not even death can have power over that supreme force in the universe as the beloved is always carried in one’s heart, in one’s inner consciousness – forever! another state of the art dealership in San Pablo City, Laguna only last November. With this latest development, Suzuki Philippines is optimistic that the new dealership will boost the company’s momentum in 2023. A firm highly recognized in the automotive industry, Suzuki Philippines specializes in the distribution of compact vehicles all over the country.

In denying oneself , a human being will now know who truly he is, CONSCIOUSNESS who is rooted with the Unseen Formless Being. It will on by then that Jesus pronouncement will be understood, “That the kingdom of heaven is within us.” Feel the Stillness and Spaciousness deep within to know who truly you are. Then, you will know who truly you are being eternal and being life itself. Thus be rooted with the Unseen Being and feel that oneness with all of God’s creation which is true love. Debunk thyself and be liberated from suffering. As the Great Buddha Himself has said, self means DUKHA or suffering.

Erratum

In connection with the publication of EXTRA-JUDICIAL SETTLEMENT AMONG HEIRS WITH SALE, that late AQUILINO LADUA UBANAN, and EMILIA YANGWAS UBANAN published December 9, 16, & 23, 2022 the correct middle name should be LEONOR NALDO VILLASTIQUE, not as published.

Our Apology

BWM: January 25, 2023

EXTRA-JUDICIAL SETTLEMENT

OF THE ESTATE OF THE LATE LUZ J. DUNQUE WITH WAIVER

And Transfer Of Rights

boost the local adoption of EVs.

first policy meeting for this year on Feb. 16.

Fitch said asset quality risks from higher interest rates will vary, as differences in the scale and pace of monetary tightening are one of the important factors in determining the likelihood of loan deterioration in these banking systems.

“We expect further, albeit mostly milder, rate hikes in all ASEAN markets in 2023. The Philippines is likely to remain a regional outlier in terms of the scale of its rate hikes, reflecting greater inflationary pressure in that economy compared with markets like Indonesia, Malaysia and Thailand. The impact of tightening could be more severe in banking systems where leverage has increased sharply in recent years,” it said.

“We expect system leverage to rise in Thailand and Vietnam in 2023. However, we expect it to fall in Malaysia, the Philippines and Singapore in 2023, which will continue the trend from 2022,” the credit rater added.

It said scenarios where adverse economic developments cause asset quality to deteriorate could also affect sovereign credit profiles, especially those with negative outlooks like the Philippines.

It added that any changes in a country’s credit ratings would affect the Issuer Default Ratings of banks, whose ratings are driven by expectations of sovereign support.

Fitch affirmed the Philippines’ “BBB” investment grade rating and kept its “negative” outlook in October 2022, amid concerns over trying to succeed at something you were not made to do. There’s a saying: “The best psychologist is the one inside you.” But that is only true if the One Who created you is the One living inside you. Only He can help you know and become the person He designed you to be. So won’t you ask Jesus to help you break out of the prison of your wrong thinking and sinful living? If you ask Him to forgive and free you, He can help you to start seeing and being all that He created you to be. Just think a minute… oneness with all things and you become Spiritus Luminus (enlightened spirit) and be transformed into homo pacem (men and women for peace). Such can be done by following Jesus’ pronouncement to “DENY THYSELF.”

“Finally, our EV industry will totally roll out in line with EO 12 as it opens a very good opportunity for those interested EV enthusiasts and advocates to own one. Consumers will experience [a] wide array of models to choose from depending on their preferences,” Mr. Araga said.

“This (EO) will pave [the] way on supporting the EVIDA law, which makes the industry a promising one,” he added.

Separately, EVAP Chairman and Philippine Parts Maker Association President Ferdinand I. Raquelsantos said that the temporary tariff reduction is expected to “generally” lower the prices of passenger car EVs by 20%.

There is now an ongoing shift toward collective consciousness and spirituality of all people of the world that must now heal the wounds of GAIA and those of Her children, damaged all these years through false religions and western development materialistic and consumerist paradigm that sacrificed the people and the ecosystems to the altar of greed and profit, controlled by the egoic mind. Free yourself from over thinking. Feel life deep within and connect with the Innermost Being called God! Indeed, time is just an illusion. What matters is the Now. Time doesn’t exist at all for life continues here

“With this exemption on tariff, the prices of passenger car EVs will generally be reduced by 20%, making it very competitive to internal combustion engine-powered vehicles,” Mr. Raquelsantos said.

“EVs will become more affordable and its proliferation will be much wider,” he added.

LNG terminals approved by the Department of Energy.

Data provided by the department show that the company’s proposed LNG floating storage and regasification unit (FSRU) in Tabangao, Batangas City is targeted to start operating by October 2023.

The terminal project has a capacity of three million tons per annum (MTPA), with a construction cost of around P2.47 billion.

“It is in progress. These are big projects. We are working with different agencies to put it forward and progress it further,” Ms. Osial said.

NOTICE is hereby given that LATE LUZ J. DUNQUE who died on July 14, 1997 at Cagayan de Oro City without any will; That said deceased at the time of her death, left a parcel of land with Tax Declaration No. G-031924 and Property Index No. 164-02-045-06-010 with an area of 349 sq.m. more or less, located at Barangay Tablon, Cagayan de Oro City, Island of Mindanao. Is the subject of EXTRA-JUDICIAL SETTLEMENT OF THE ESTATE OF THE LATE LUZ J. DUNQUE WITH WAIVER AND TRANSFER OF RIGHTS, made and entered into by and among the legal heirs of the LATE LUZ J. DUNQUE, namely; 1. GREGORIO J. DUNQUE JR., of legal age, Filipino, married and with residence address at Purok 3, Tablon, Cagayan de Oro City, hereinafter referred to as HEIR; 2. LUCITA D. LIGASPI, of legal age, Filipino, married and with residence address at Purok 3, Tablon, Cagayan de Oro City, hereinafter referred to as HEIR; 3. ELEANOR D. TALLE, of legal age, Filipino, married and with residence address at Purok 3, Tablon, Cagayan de Oro City, hereinafter referred to as HEIR; 4. RUSSEL D. JOMOC, of legal age, Filipino, married and with residence address at Purok 3, Tablon, Cagayan de Oro City, hereinafter referred to as HEIR; 5. LIBERTY J. DUNQUE, of legal age, Filipino, married and with residence address at Purok 3, Tablon, Cagayan de Oro City, hereinafter referred to as HEIR; 6. FAUSTO J. DUNQUE, of legal age, Filipino, married and with residence address at Purok 3, Tablon, Cagayan de Oro City, hereinafter referred to as HEIR; and 7. LYNDON J. DUNQUE, of legal age, Filipino, married and with residence address at Purok 3, Tablon, Cagayan de Oro City, hereinafter referred to as HEIR; That portion of the said lot with an area of 90 square meter more or less will be given and transfer to GREGORIO DUNQUE. The said portion of the said parcel of land is hereby designated as Lot 19150-D-4 based in the Sketch Plan by Geodetic Engr. Analie L. Baal. That portion of the said lot with an area of 50 square meter more or less will be given and transfer to DOLLY D. APAO. 'The said portion of the said parcel of land is hereby designated as Lot 19150-D-1 based in the Sketch Plan by Geodetic Engr. Analie L. Baal. That portion of the said lot with an area of 85 square meter more or less will be given and transfer to LUCITA D. LEGASPI. The said portion of the said parcel of land is hereby designated as Lot 19150-D-2 based in the Sketch Plan by Geodetic Engr. Analie L. Baal. That portion of the said lot with an area of 90 square meter more or less will be given and transfer to FAUSTO J. DUNQUE. The said portion of the said parcel of land is hereby designated as Lot 19150-D-2 based in the Sketch Plan by Geodetic Engr. Analie L. Baal, filed by the heirs of LATE LUZ J. DUNQUE. As per Doc. No. 486; Page No. 98; Book No. 08; Series of 2018 under the Notarial Registry of ATTY. OWEN S. MARCIAL.

BWM: Jan 18, 25 & Feb 1, 2023