What is Maximum Amount You Can Lend to House Help/Staff?

[_Cathy_]

I am in a very big dilemma because our former driver texted me asking me to help him on the payment of his house. He said he will be evicted if he does not pay by Monday.

We have known him a long time and he is really a good person. May malasakit talaga and we could trust him with money. My issue is the amount is huge P45k and he can only pay P1k per pay day I also don't know where he lives now. BUT I want to help him, I know that P45k is not life changing for me, but it is for him. I have not asked my Mom's opinion on this. I also have a lot of gastos because I just paid for hospitalization of someone who is like my 2nd mom. I am also gonna give start up money to our all around who is going back to the province to take care of his elderly parents. So I don't think I can lend that much amount, but I am feeling guilty also, what if he gets evicted

What would you do in my position?

[Wh1stl3r]

I would only lend an amount I am comfortable with if ever it doesn't get paid back.

[oj88]

We do, more or less, a month's worth of their current salary for every year they've worked for us.

[_Cathy_]

I would only lend an amount I am comfortable with if ever it doesn't get paid back.

This is what I'm thinking also but I can't decide the amount

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[Altis6453]

This is what I'm thinking also but I can't decide the amount

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I agree with the 1 month's salary for each year of service. If you can add any amount to that then it would be a bonus.

While we always value the loyal service given to us by our household help, we do make it clear that we are not always in a position to give them the entire amount they are asking for.

[ninjababez]

I would only lend an amount I am comfortable with if ever it doesn't get paid back.

Same here.
Ako siguro bigay ko 10k kung talaga ok si manong, tapos sabihin ko wag na intindihin ang bayad. Tsaka nalang pag tumama na sa lotto. pero kung si mang max yan, na driver namin na nagturo sakin mag drive from 8 - 12 years old ako, baka bigay ko full amount if i had that spare money.

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[1D4LV]

I would only lend an amount I am comfortable with if ever it doesn't get paid back.

this is the same rule that we have. ang tao, kaya humihiram is kailangan. di naman hihiram yan ng di kailangan eh. so the possiblity of getting paid is really slim.

in your case, hindi mo kailangan saluhin. hindi mo obligation yun. ang obligation nyo is to make sure he gets treated properly, gets paid on time, benefits are remitted, etc.

in our case, biggest thing that we lend on our current are advances na tig 500, which we deduct the next payday. but before, we "gave" 10,000.00 puhunan to our loyal kasambahay who took care of our kid from when he was born to 7 years old. we also gave 10,000 to an ex-kasambahay na nabiktima yung pamilya ng ondoy sa leyte.

[dr. d]

for what it's worth, here are two statements that have survived thru the ages:
1. "give until it hurts"; and
2. "hindi magpapatalo ang Diyos sa pagka-galante."

[_Cathy_]

for what it's worth, here are two statements that have survived thru the ages:
1. "give until it hurts"; and
2. "hindi magpapatalo ang Diyos sa pagka-galante."

I don't get number 2 but my ex bf always did number 1 for me.

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[dr. d]

I don't get number 2 but my ex bf always did number 1 for me.

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if you do a good deed to someone, even if difficult, painful or expensive, God will reward you manyfold."

[compact]

What I do for this kind of scenario is to give xxx percent to them not as loan but as assistance.

If I am you in this case, I will explain to him that you are also in a tight budget and you cannot afford the 45k but you are willing to assist him by giving 5k for instance. In that way you were able to help.

Let the others worry about the 40k.

[yebo]

1 month for every year, if you can afford it, is fair. parang separation pay na lang nya so even if he fails to pay it back you can just pat yourself in the back and say you were a fair employer. if you can't afford it then whatever you can afford to lose because there is a chance he will not be able to pay it back.

buti na lang puro bad ang naging househelp namin and i will not be in the same dilemma.

[_Cathy_]

He is not working for us anymore pala

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[lowslowbenz]

He is not working for us anymore pala

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How much was his monthly salary with you before?

Yan lang ang feasible amount IMHO.

He can get a loan with his present employer, (actually) !

[_Cathy_]

How much was his monthly salary with you before?

Yan lang ang feasible amount IMHO.

He can get a loan with his present employer, (actually) !

12 thousand

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[lowslowbenz]

12 thousand

So you lend him that.

[glenn manikis]

I am in a very big dilemma because our former driver texted me asking me to help him on the payment of his house. He said he will be evicted if he does not pay by Monday.

We have known him a long time and he is really a good person. May malasakit talaga and we could trust him with money. My issue is the amount is huge P45k and he can only pay P1k per pay day I also don't know where he lives now. BUT I want to help him, I know that P45k is not life changing for me, but it is for him. I have not asked my Mom's opinion on this. I also have a lot of gastos because I just paid for hospitalization of someone who is like my 2nd mom. I am also gonna give start up money to our all around who is going back to the province to take care of his elderly parents. So I don't think I can lend that much amount, but I am feeling guilty also, what if he gets evicted

What would you do in my position?

Lend him half.... then don't expect mababayaran Ka pa Nya...

[StockEngine]

Lend him half.... then don't expect mababayaran Ka pa Nya...

I agree and give it na lng instead of lending.

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[dr. d]

I am in a very big dilemma because our former driver texted me asking me to help him on the payment of his house. He said he will be evicted if he does not pay by Monday.

We have known him a long time and he is really a good person. May malasakit talaga and we could trust him with money. My issue is the amount is huge P45k and he can only pay P1k per pay day I also don't know where he lives now. BUT I want to help him, I know that P45k is not life changing for me, but it is for him. I have not asked my Mom's opinion on this. I also have a lot of gastos because I just paid for hospitalization of someone who is like my 2nd mom. I am also gonna give start up money to our all around who is going back to the province to take care of his elderly parents. So I don't think I can lend that much amount, but I am feeling guilty also, what if he gets evicted

What would you do in my position?

how much are you comfortable giving away?
if he could not save for that amount in the past, has anything happened to him, that gives one the idea that he can, now?

[BratPAQ]

how much are you comfortable giving away?
if he could not save for that amount in the past, has anything happened to him, that gives one the idea that he can, now?

i agree with this, if di naman nagkaroon ng financial trouble like hospital expenses or nawalan ng trabaho. if he has a regular income at di pa rin nabayaran ang bahay. i dont think he can pay the house + utang sa yo. in this case, what ever you loan him, might as well consider it as charity.