Frequently Asked Questions

Who can be member of Pag-IBIG Fund?


With the signing of Republic Act No. 7742 all SSS and GSIS members earning P4,000 and above monthly are mandatorily covered by Pag-IBIG fund.


Membership to the fund is also open to:

    • Private and government workers earning less than P 4,000 a month but who wish to join anyway;
    • Self-Employed workers such as professionals and businessmen;
    • Overseas contract workers (OCW);
    • Residents and immigrants in the United Staes and Canada;
    • Informal income group such as cooperative members;
    • Non-working spouses.

How much is the monthly contribution?

For employees with monthly compensation (Basic+COLA) of P1,500 and less, an amount equivalent to one percent (1%) of their monthly compensation, and two percent (2%) of the monthly compensation of employees earning over P1,500.

  1. Over P1,500 , an amount equivalent to two percent (2%) of the monthly compensation of each covered employee.
    1. savings
    2. short term loan
    3. Housing loan
    • US $1,000 or less shall contribute US$20 or its peso equivalent monthly.
    • Over US $1,000 , monthly contribution of US $40 or its peso equivalent.
    • C$1,500 or less, monthly contribution of US $40 or its peso equivalent.
    • Over C$1,500 a month. monthly contribution of C$60 or its peso equivalent.
    • double or triple your money benefit
    • tax-free dividend earnings
    • portability of savings
    • government-guaranteed
    • Membership maturity after 20 years
      • A member who signs up under RA 7742 (Pag-IBIG Universal Coverage Law) shall be allowed partial withdrawal after 10 or 15 years of continuous membership, provided he has no outstanding housing loan with the Fund.
    • Retirement
      • at age 45 (early retirement plan)
      • at age 60 (optional retirement)
      • at age 65 (mandatory retirement)
    • Permanent departure from the country.
    • Permanent total physical disability/insanity.
    • Termination from service by reason of health.
    • Death of the member
    • Purchase of a fully developed lot not exceeding one thousand (1,000) square meters which should be within a residential area;
    • Purchase of a lot and construction of a house thereon.
    • Purchase of a residential house and lot, townhouse or condominium unit, inclusive of a parking slot, which may be:
    • -old or brand new;
      -a property mortgaged with the Fund; or
      -an acquired asset which is disposed of through sealed public bidding, negotiated sale or Rent to Own program
    • Construction or completion of a residential unit in a lot owned by the member;
    • Home improvement;
    • Refinancing of an existing mortgage loan with an institution acceptable to the Fund, provided that:
    • – the loan to be refinanced is current and updated at the time of loan application;
      – the account reflects a perfect repayment history for at least two years, as supported by the borrower’s official receipts
    • Combination of loan purposes shall be limited to the following:
    • -Purchase of a fully developed lot not exceeding 1,000 sq.m. and construction of a residential unit thereon
      -Purchase of a residential unit, whether old or new, with home improvement;
      -Refinancing of an existing mortgage with home improvement or
      -Refinancing of an existing mortgage, specifically a lot loan with construction of a residential unit thereon.

      Who are eligible to borrow?

      • Must be a member under the Pag-IBIG I or Pag-IBIG II program for at least 24 months as evidenced by the remittance of at least 24 monthly contributions at the time of loan application:
      • Must be a member under the Pag-IBIG Overseas Program (POP) for at least two years
      • A member under Pag-IBIG I & II or the POP shall be allowed to make a lump sum payment equivalent to the required number of monthly contributions to satisfy this requirement;
      • Under the Pag-IBIG Overseas Program (POP), must have remitted an amount equivalent to his savings for at least 12 months.
      • Must not be more than 65 years old at loan maturity and must be insurable;
      • Must have the legal capacity to acquire and encumber real property;
      • Must have passed satisfactory background/credit and employment/business checks of the developer and the Fund;
      • Had no Pag-IBIG housing loan that was foreclosed, cancelled, bought back or subjected to “dacion en pago”
      • Must have no outstanding Pag-IBIG housing loan, either as a principal borrower or co-borrower; and
      • Has no outstanding Pag-IBIG multi-purpose loan in arrears at the time of loan application. A member whose multi-purpose loan is in arrears shall be required to pay his arrears over the counter to update his account.How does one avail of a Pag-IBG Housing Loan ?
        1. Attend a Loan Counseling session at the Pag-IBIG Office concernedAccomplish a Preliminary Loan Counseling Questionnaire, Husing Loan Application (HLA) and Membership Status Verification Slip. If eligible, secure checklist of requirements.
        2. Submit HLA with complete requirements. Pay a processing fee of P1,000.00 (non-refundable)
        3. Receive Notice of Approval/Letter of Guaranty and sign loan documents.
        4. Proceed to BIR and present Deed of Absolute Sale (DOAS) between owner of the property and applicant for payment of documentary stamps and capital gains tax.
        5. Proceed to Registry of Deeds (RD) for payment of transfer of tax and registration fees for the transfer of title.
        6. Proceed to Notary Public for notarization of LMA and annotation of mortgage with the Registry of Deeds (RD) and to Assessor’s Office to secure new tax declaration in the name of the applicant.
        7. Secure Occupancy Permit from the Local Government Unit’s (LGU) Engineering Office for Purchase of new Residential Unit (PRU), Purchase of Lot and Construction of a New Residential Unit (PLCH) and Construction of House (CH) loan purposes.
        8. Submit the following documents to Pag-IBIG office concerned:
          • Original Transfer Certificate of Title in the name of the applicant with annotated mortgage
          • DOAS with original RD stamp
          • New Tax Declaration in the name of the applicant
          • Updated Real Estate Tax Receipt (house and lot, if applicable)
          • Occupancy Permit
          • Assignment of Loan Proceeds
        9. Release of loan proceeds
        10. Start monthly amortization on the month immediately following loan take-out/final loan release.
  2. Employers are mandated to match their employees’ monthly contributions with an amount equivalent to two percent (2%) of the monthly compensation of each covered employee.

    For self-employed members, monthly contribution is equivalent to two percent(2%) of their monthly gross earnings.

    Under the Pag-IBIG Overseas Program (POP) ,OFWs with monthly compensation of:
    What are the benefits of Pag-IBIG Membership?

    The Fund offers its members the following benefits:
    What is the Pag-IBIG Provident Savings Program?

    The Pag-IBIG provident savings program is a fast, easy and affordable way of saving for a member’s future needs.

    What are the special features of Pag-IBIG Savings Program?

    Pag-IBIG savings enjoy the following features:
    When can a member withdraw his savings?

    Withdrawal of Pag-IBIG savings is allowed upon occurrence of any of the following :

    -in case of the member’s death, the Fund provides the legal heirs an additional P6,000 death benefit grant (DBG).


20 Responses to Frequently Asked Questions

  1. roger says:

    tanung lang about sa aking old loan thanks

  2. hdmf says:

    hi roger please give details saang branch ka nag loan and what kind of loan? thanks

  3. joanne sumaylo says:

    tanong ko lng if pwd mka avail ng housing loan kahit wla pang 24 months ung contribution ko. pwd po bang e.advance ang payment para tama2x 24 months ung contribution ko?.. please reply to my e-mail ad.. tnx po..

  4. hdmf says:

    hi joanne – maglumpsum payment ka lang sa kulang na contributions mo para ma kumpleto ang 24 months para maka avail ka ng housing loan. thanks for the visit

  5. gladys c. says:

    tanong ko lang po, pano mag-apply for a multi purpose loan ang recently separated from work. naka 24 months contribution na ako. in fact more than 24months na pero yung pang 25th and so on months na contribution ko hindi pa nag-aappear sa record kasi hindi daw ma-update agad. hope you cud answer my questions. thanks so much.

  6. hdmf says:

    hi gladys
    sa ngayon na separated ka from work hindi ka maka avail ng multi-purpose loan kailangan kasi ng certification of employment kung mag loan ka. kung tanung mo what happen to your contributions makuha mo yan later at baka makatrabaho ka uli ma continue mo na ulit and membership mo at maka avail ka sa mga services ng Pag-IBIG tulad ng multi purpose loan. thanks for dropping.

  7. rich bobadilla says:

    gud pm… i started my business 2004, i was not aware at that time that pag ibig is mandatory and since i only have less than 5 employees when i started, i was not able to apply them in pag ibig, only sss and philhealth. Now i have more than 20 employees.

    what are the requirements in applying for pag ibig now? do you issue penalty for late application? thanks…

  8. hdmf says:

    hi rich
    just go to the nearest pag-ibig fund office. there is no penalty for late application. if you may tell us your location we can provide you with the specific branch office that you may transact with as far as membership of your employees to Pag-IBIG Fund.

  9. Norce says:

    hi, ask k0 p0 kung pwede p mac0ntinue ung pag-ibig member ng kapatid k0. 2 yrs na xang member kya lng na-lay 0ff xa last 0ct. 08. pwede k0 bang ma-c0ntinue ung pag-ibig nia? pls. tell me h0w. kc gus2 k0ng magkar0n ng sriling haws. ty in advance!

  10. Eden C. Taban says:

    Eden C.
    22 April 2009

    Taong ko po sana kung ano nang nangyari sa mga contribution ko , naging myembro po ako noon pang 1981 natigil lang ako sa paghulog noong 1997 nang mawalan ako
    ng trabaho,pero bago ako nagresign ay mayron akong calamity loan at hangang sa ngayon ay di ko na nabayaran
    sa ngayon po ay 50 yrs old na ako,pwede po kaya akong
    mag file ng early retirement.

  11. anthony R. Melendrez says:

    Hi. at last i found something here to get info. Salamat po.

    Dati na po akong member ng P{ag-ibig. Dati po akong teacher pero two school year lang po ako nagturo so i guess i only paid 20 months of contributions. Ngayon po nandito na ako sa UK meron po POP dito and I was invited to be a member again. Paano po yun pag nagmember po ako panibagong simula na ulit. How about my old membership? Now, say gusto ko pong mag loan say housing loan po, pwede ko po bang ituloy na lang yung dati ko membership then apply for a loan and upgrade ng membership account? please help me here. Uuwi po ako ngayon august and I’m planning to apply for a housing loan for my mom.

    isa pa po. Baka naman po malalaman ninyo kung ano na nangyari sa membership ko. Taga Oriental Mindoro po ako. Thanks.

    • hdmf says:

      hi anthony the POP there would be the best agency that could help you because you get to talk to the staff directly. They can also assist you on your concern about your previous monthly contributions so that would be credited to your membership. Thanks for dropping.

  12. hi! good may tanong po ako 45 years old napo ako mahirap na mag apply ng work nakapagremit ang dati kong employer ng almost 12 and half years sa pagibig fund paano ko makukuha ang savings ko?thank you po.

    • hdmf says:

      hi Benedick … pumunta po kayo sa branch kung saan niremit ng employer ninyo ang inyong contributions … naka record po yong mga contributions ninyo at magrequest lang po kayo ng assistance sa kanilang office para matulungan kayo at mapaliwanag sa inyo kung ano ang dapat gawin …meron po kayong form na dapat iaccomplish … maari pong pumunta kayo sa branch ng Pag-IBIG na malapit sa inyo kung ang dating opisina kung saan niremit ang iyong kontribusyon ay malayo sa inyo … sila ay tutulong sa lahat ng miyembro ng Pag-IBIG … salamat po sa pagbisita niyo dito sa site ko …

  13. Venus says:

    paano po malaman pag ibig number ko nag apply na po kasi ako sa previous employer ko kaso ayaw nila mag reply kung ano number ko. hindi na po kasi ako connected sa company. advantix marketing po sa leveriza st. pasay city. my name is venus parantar po.

    • hdmf says:

      hi venus … pakitawagan nyo na lang po ang Pag-IBIG Office pede nyo kunin ang number nila sa kanilang webpage sa … salamat sa pagbisita mo dito sa site ko at kung hindi mo sila makontak sa mga teleponong nakalagay sa kanilang website pwede mo bang ipaalam dito, magiwan ka lang ng comment … salamat …

  14. kiel says:

    hello hdmf,
    I was a retired pldt employee and serve for almost 30 years of service (aug.1977-dec.2006). may nakuha na kong partial withdrawal when i reach my 20 years as member of pag-ibig. may i know kung pwede ko nang mawithdraw my remaining savings in your office? thanks

    • hdmf says:

      hi kiel … ang retirement po ang isa sa mga condition na pede ninyo makuha ang contriutions. may mga forms na dapat ninyong iaccomplish. sa website ng Pag-IBIG Fund at nakaindicate din ang kanilang directory pakicheck po ito para makuha ninyo ang telephone ng opisina nila kung gusto ninyo munang magtanong ng detailed procedure para di na kayo pabalik balik pagpunta sa kanilang opisina. Salamat sa pagbisita dito.

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