Pag-IBIG Rent-To-Own Program

HDMF Circular No. 177-C


The Program is aimed at instituting a mechanism through which the HDMF shall further expedite the recovery of its investments in non-performing mortgage loans, and provide Pag-IBIG members, whose current income cannot sustain the monthly amortization on a Pag-IBIG housing loan, with a facility that will provide affordable housing, and ensure home ownership by the time they become eligible for such loan.


Housing units acquired by HDMF shall be leased to qualified Pag-IBIG members, who shall enter into a Contract of Lease with Option to Purchase with HDMF, for a period of not more than five (5) years.

At the end of the term of the lease, a Lessee who complies with the provisions of the Lease Agreement, and who qualifies for a Pag-IBIG housing loan, shall be required to exercise his option to purchase the leased housing unit.

A Lessee who does not exercise his option to purchase shall not be allowed to occupy the housing unit after the expiration of the Contract of Lease.


30 Responses to Pag-IBIG Rent-To-Own Program

  1. babyly lape says:

    GOD BLESS! ask lng po ako can i avail the program PAG-IBIG RENT TO OWN ? pra sa aking mas ok kasi yung 5yrs to pay lng? thanks and god bless!

  2. hdmf says:

    babyly please visit your nearest pag-ibig office so you will be briefed and be given appropriate information on rent-to-own program. thanks for dropping

  3. babylyn lape says:


    thanks po sa pag reply!

  4. cres says:

    hi good day po. ask ko lang po if pwede po ako ka apply sa rent – to-own program po.if may available pp kayo na unit sa general santos city po.gusto ko po magkaroon ng bahay po.

  5. cres says:

    dito po ako ngaun sa bohol. but i would to have a house at general santos city.paano ko po malaman na may available po kayo na unit sa PAG-IBIG-RENT-TO-OWN PROGRAM po.


  6. hdmf says:

    hi cres

    please communicate with pag-ibig gsc the office address is 2/F RDRDC Building, Santiago Blvd, General Santos City telephone 552-7632 or 552-3566 (TRUNKLINE, connected to all units) and asked that you be connected to the acquired asset division so you can be briefed on their RTO. Thanks for dropping cres.

  7. danilo delos samtos says:

    dear sir/mam:
    i am an mba student doing research work on rent-to-own, can i request status of this program? is it widely accepted or still in the process of gaining prominence? please enlighten us….
    thank you very much.

  8. hdmf says:

    hi danny … please visit your nearest pag-ibig office for you to get the information lengthily to the assigned officer re rent-to-own. by the way where is location so we could give you the right person to talk to do you have an email ad ? thanks for dropping.

  9. dg says:

    hi! i wud like to avail rent to own house located in davao city, i am a member in gen. santos city branch.

  10. hdmf says:

    hi dg
    if you are in gen san now please visit their office there the staff would be glad to refer you to the branch office in Davao City for your concern. And if you are in Davao City you could drop by the office at Pryce Tower Business Park at JP Laurel Avenue, a staff will assist you on your queries – you may also call 2218042 and be connected to the acquired asset section. Thanks for the visit.

  11. German says:

    magandang araw po, member na po ako ng pag-ibig kulang na lang po ako ng 6 months para ma kompleto ko yong 24 months na payments, bale $20.00 po monthly ang hulog ko. may balak po akong kuning property sa aming probinsiya sa sorsogon, bale lot po ito na may lumang bahay na nakatayo.. nagkakahalaga po ng P 600.000.00 kung iaaply ko po ngayong November mga ilang buwan po kaya bago ma release ang loan ko for the payment of this property.Nasa Qatar po ako right now… bale ipapadala ko na lang po sa misis ko yong requirementsn at yong SPA mula dito sa Qatar. gusto ko lamang pong malaman kung ilang buwan bago ma release ang loan? at kung paano ang set-up ng pagbayad s amay-ari ng lupa kung idadaan ko sa pag-ibig? pag-ibig na ba mismo ang magbabayd sa may-ari ng property? at pwede po ba over the counter dito sa pag-ibig Qatar na po ako maghuhulog ng monthly amortization? sana po masagot nyo po ang aking mga katanungan.pwede po bang paki-email na lang sa akin ang sagot. ito po ang aking email adress
    maraming salamat po! GOD BLESS!

  12. hdmf says:

    Hi German

    Your queries were forwarded to Pag-IBIG Overseas Program Officer. He will give you feedback through your email ad. Thanks for the visit.

  13. angel bardon says:

    gud day po,ask ko lng kung pwde po ako makakuha ng rent to own kahit may balance pa ko.kelangan ko muna tapusin un?

  14. hdmf says:

    Hi German – incase you haven’t receive the email from Pag-IBIG I am posting the reply of Ruel POP Jeddah, KSA and for the others who have the same query this could be of help but we always welcome visitors to post query and messages here. Thanks.

    Dear Mr. German:

    As Salam Alaikom!

    Ako po si Ruel, Pag-IBIG Representative, Jeddah, KSA.

    Base po sa aming housing loan guidelines, 15 days after submission of complete documentary requirements your housing loan application will be approved by our office. Makakatanggap po kayo o yung attorney-in-fact ninyo ng letter of approval galing sa Pag-IBIG Fund at nakasaad sa letter ay yung mga additional requirements. Kung ma comply kaagad ng borrower yung requirements na sinasabi, babayaran kaagad ng Pag-IBIG yung may-ari ng property. Pag na release na po yung housing loan nyo ay puede na kayong magbayad diyan sa Qatar. Kailangan lang po natin na makuha yung housing loan I.D. number sa Pag-IBIG Fund.

    Sa ngayon po ay kailangan ninyo munang mabayaran yung lacking 6 months na contribution para ma qualify kayo sa housing loan ng Pag-IBIG. Mangyari po lamang na ibigay nyo po sa representative nyo dito sa Pilipinas ang mga sumusunod na papeles:

    1. Special Power of Attorney from the Philippine Embassy
    2. Employer Contract certified by your employer
    3. Philippine Passport
    4. 1″ x 1″ I.D. picture

    Please feel free to email us for further clarification.

    Maraming salamat po.


  15. hdmf says:

    hi angel

    yong sa tanong kung makaavail ka ba ng rent-to-own kahit may balance ka pa sa housing loan mo ay hindi pwede. kailangan mabayaran mo yong una mong housing loan muna. Once makumpleto mo ang bayad then pwede ka na sa second loan availment.

  16. rodel says:

    my name is rodel..Me and my sister is planning to get a housing loan or multiple loan ASAP,my sister is in Saudi Aribia and im at USA,but we decided that we will entiltle the loan to her,the only problem is were not sure what to do,how to do it in step by step,how much are we going to pay,all in all like processing paper works,if you could please help us step by step and by da way she is a new member and were willing to pay 24 months lump-sum but we dont know how much,and when she was working in the philippines she has deduction from her salary for 2 yrs and she stop paying contrubution whe she went to saudi,and one more problem is she’s in Saudi for more than 2 yrs,and about the POP requirements her payroll is written in arabic letters is that allright to use?and her working permit is not yet arrive she’s still waiting for it,coz she just new in her work for 2months,and we have a representative in phil. to do all the paperworks and everything,our problem is where to start,please help us coz were kinda new in this kind of wolrd,im only 23 y/o and my sister is 24 y/o,plzz help us,and we loved to get a house in cebu or davao as long theres a good beaches,want im thinking is to get the P2,000,000.00 loan if we get approve?and i dont know how if we got that loan,are we gonna pay downpaymet(how much)then pay monthly(howmuch)or just pay monthly and thers no downpayment?we dont know,we really need advice and help from u..please talk to me,and heres my email
    where dying to get a house in pag-ibig ASAP..thank you..

  17. hdmf says:

    hi rodel
    a reply will be sent through your email on your query.
    . thanks for dropping.

  18. Kristine says:

    hi! I just want to ask lang po yung rent to own po ba eh applicable sa anumang mga developer na ng offer ng new built house? o may sariling house and lot na inooffer yung hdmf? Thank You!

  19. hdmf says:

    Hi kristine
    The Rent-to-own is a program of Pag-IBIG Fund and not by any developer. Thanks for dropping.

  20. marj says:

    related to mis kistine’s query, you said that the rent to own prog. is pag ibig but pls answer if you hav your own uniits for this program and where is it located… thanks, god bless.

  21. hdmf says:

    hi marj
    the RTO is just among the many programs of Pag-IBIG Fund. I’d like to know which area you would like to call so we can provide you with the appropriate telephone numbers. Thanks for dropping.

  22. hdmf says:

    the acquired assets are the ones being offered but I think the better option of acquiring the property now is through loan or cash considering the big discounts that they offer. But anyway you can inquire further from them so you will have a clear picture of the program. Please let us know which Pag-IBIG Office you would like to call. Thanks.

  23. hello po!!! gud day to all of you. ask ko lng po about our house which we alredy paid (housing loan thru pag-ibig), nagkataon lng po tlaga that after we paid the house nagipit na po kmi at dna nbalkan ang ibang mga papel para malakad ang title. mahigit na po 1 yr mula ng nbayaran namin ung bhay. ano na po nxt mangyari doon, may kaukulan po b na penalty un. Just want to konow. thanks po.

  24. marj says:

    2weeks almost has passed how come you did not send any reply to my querries. i just need the right phone numbers to call thank you

  25. hope lipango says:

    hi there..i wud like to ask how to be a member atpag ibig then on how to rent a haws wthat is the process

    • hdmf says:

      hello hope … please go over the item how to become a member of pag-ibig fund. what is basic to become member is that you are employed. you can visit your nearest pag-ibig fund office. the staff wouldn be glad to answer your queries. thanks for dropping.

  26. hi po ask kulang po kung panu po ung proseso para mag pa member sa pag ibig o di kea po puede po kea ung byaran ku na lng po ung whole year payment just to be a member?may planu po kc kami ng misis ko na kumuha ng bahay sa queson city or sa imus cavite ung bahay po na bbyaran sa buwan huwan atsaka mga magkanu nman kea po ung reservation at ung monthly patment if ever na makakuha anu po ba ung mga requirments na pede kung e presents sa pag ibig ofice,,hope to hear you soon..

    • hdmf says:

      hi julie the first thing that you will do is to attend the housing seminar in any pag-ibig fund office near you. in the seminar you will be advised on how to go about applying for a housing loan. you will also be given a certificate of loan eligibiliy now named as membership service verification slip (msvs). All you need to know about getting a housing loan will be discussed in the seminar. possible areas will also be presented to you so you will have idea where the location of housing projects are. Thanks for dropping. yong membership po dapat may work kau or may business. you can call or visit your nearest pag-ibig office po. the staff would be glad to entertain your queries. thanks for dropping.

  27. Lynn Martin says:

    hi.. i reside in new york and i’m interested to purchase a unit in chateau valenzuela through pag-ibig for my mother. i’am willing to pay the 24 month lumpsum fee for new members to qualify. please send me information on how to go about doing these. thank you

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