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A brand-new, unused, unopened and undamaged item in original retail packaging where packaging is applicable. Return credits are issued within 48 hours once the item is received and inspected — you will be notified via email. Personalized items cannot be returned. None Royal Mail International Signed.

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February 18, at 2: November 5, at hdmd Nag pa plano kc ako mag housing loan. September 23, at 3: Employers should know how much they should share and withheld for the mandatory government contributions. SSS Premium All actual remuneration for employment, including the mandated cost of living allowance. May 27, at Employers have the mandatory obligation to contribute an amount for employees benefit. Marie Grace Allen V.

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Circular No. On the other hand, Circular No. These credit-granting entities are now given the opportunity to register with the BSP and demonstrate their commitment to social responsibility towards protecting their clients. The new regulations reiterate the manner of computing interest by requiring NBFIs under BSP supervision and entities with credit-granting facilities to charge interest only on the outstanding balance of a loan at the beginning of an interest period or each installment period, and disclose to borrowers the true cost of credit. The new rule requires quoting the Effective Interest Rate EIR which is defined in accordance with the Philippine Accounting Standards PAS as the rate that exactly discounts estimated future cash flows through the life of the loan to the net amount of loan proceeds. This EIR, whether quoted annually or monthly, shall be the only rate quoted in all loan documents including the marketing materials. The new rules likewise reiterate the definition of finance charges which include interest, fees, service charges, discounts, and such other charges incident to the extension of credit and require a uniform way of disclosing such information.

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