Housing Loan … New and Affordable


Eligibility requirements

  1. A Pag-IBIG member for at least 24 months and has remitted 24 monthly contributions
  2. Not more than 70 years old at loan maturity and must be insurable
  3. Has no outstanding Pag-IBIG housing loan either as principal or as co-borrower
  4. Has legal capacity to acquire and encumber real property
  5. Has passed satisfactory background/credit and employment/business checks
  6. Has no Pag-IBIG multi-purpose loan in arrears at the time of application
  7. Has no Pag-IBIG housing loan that was foreclosed, cancelled, bought back or subjected to dacion en pago

Schedule of Loans

Monthly Member’s Contribution Loan Entitlement

200 Up to P500,000

250 Over P500,000 to P600,000

300 Over P600,000 to P700,000

350 Over P700,000 to P800,000

400 Over P800,000 to P900,000

450 Over P900,000 to P1M

500 Over P1M to P1.1M

550 Over P1.1M to P1.2M

600 Over P1.2M to P1.3M

650 Over P1.3M to P1.4M

700 Over P1.4M to P1.5M

750 Over P1.5M to P1.6M

800 Over P1.6M to P1.7M

850 Over P1.7M to P1.8M

900 Over P1.8M to P1.9M

950 Over P1.9M to P2M

Processing Fee P3,000.00

Pay P1,000.00 upon filing

Pay balance of P2,000.00 upon loan take-out

AFFORDABLE MONTHLY AMORTIZATIONS (comparative from old to new rate)

Loan Package     Monthly Payment            Savings

P300,000 P1,798.65 (before P2,413.87)    P  615.22

P500,000 P3,326.51 (before P4,38.86) P1,061.35

HAVE YOU THOUGHT OF THIS ? – for those of you still renting a house probably your rental is higher than this amortization rate. REMEMBER : RENTING IS NOT OWNING THE HOUSE. HURRY ! You still have enough time before you reach the age of 70, by then you will no longer qualify … Your time is now so grab this !

INTEREST RATES (Comparative from old to new rates)

Amount New Interest Rates

Up to P300,000 6%  (before 9 %)

Over P300,000 to P750,000 10% 7%  (before 10%)

Over P750,000 to P2 M          10.5%  (before 11-12%)

Visit or call these Pag-IBIG Branch Offices for details


2F Pryce Tower Condominium

JP Laurel Avenue, Davao City

Tel No. (082) 2241793


2F Ramos Bldg., Arellano Street, Tagum City

Tel. No. (084) 4004700

General Santos Branch HOUSING DIVISION

2F RD Bldg., Santiago Blvd. General Santos City

Tel. No. (083) 5545468


6F CYM Bldg., Don Rufino Alonzo St., Cotabato City

Tel. No. (064) 4216946

The Pag-IBIG Housing Loan Program can either be for

Ø Construction of a Residential Unit

Ø Lot Purchase

Ø Purchase of a Residential Unit

Ø Lot Purchase and House Construction

Ø Home Improvement

Ø Refinancing

Ø Combination of Loan Purposes

Repayment Period

Maximum of 30 years


25 Responses to Housing Loan … New and Affordable

  1. donna says:

    hi, im looking for a house rent to own maybe, sumwer in qc or makati, i work in taguig so, there. pagibig housing loan, im very intrested with that. i just dont know where and how to apply for it and ofcourse, which house. i hope u could help me? :) thanx!

  2. hdmf says:

    hi donna

    I am furnishing you contact numbers of Makati I and Makati II Branch Offices of Pag-IBIG Fund so you can check with them directly your interest of RTO and their housing loan. Take note also of the procedures in availing of the housing loan.

    Makati I Branch Office of the Manager Severa A. Buquid (loc) 201 814-0454
    other number 814-0446
    Secretary Fatima Sultan local 202 893-6815
    OIC, Operations Olivia V. Zerrudo 814-0451
    Provident Benefits Div. Rodrigo C. Gumera local 203 814-0452
    Marketing & Enf. Div. Joey D. Omillo local 204 813-2570
    or local 205 894-2454

    Makati Branch II
    Office of the Manager Erlinda O. Romulo local 401 817-1057
    Secretary local 402 812-1962
    OIC, Operations M. I. Castillo local 403 817-4418
    Marketing & Enforcement Div. M. Francisco local 405 817-2637

    Thanks for the visit. Feel free to leave feedback re your transaction with the Makati branch offices.

  3. arvin says:

    i just want ask about rent to own. yun na i-rent ba within 5 years ay ideduct ba sa total price if i purchase the unit? at may available pa bang unit sa davao city ngayon?

  4. hdmf says:

    hi arvin
    yes it will be deducted based on percentage wherein if you purchase the unit earlier the bigger the amount will be deducted. If you decide to buy the property on the 5th year only a small percentage will be deducted. You can check the list of acquired assets on sale in Davao City Acquired Asset Unit at Pryce Tower Condo, JP Laurel Avenue tel no. (082)2244733. I hope I answered your query. Thanks for the visit !

  5. joanne says:

    i happened to apply for a housing loan at Pag-Ibig. It was already approved. However, we realized that we cannot afford to pay P4,700 monthly for the house. Part of your eligibility requirement is that “no Pag-ibig housing loan that was canceled’. I am interested with the very affordable monthly housing amortization for only P3,300 but i cannot pass the said requirement. Will Pag-ibig re consider this?

  6. cherry says:

    dear madam/ sir:

    nakatira po ako sa general santos city at may lote po ako na gusto ko pong patayuan ng bahay kaso kulang po ang pera namin mag asawa at gusto po naming magloan sa pag^ibig dito po kami sa japan ano po ba ang gawin namin? sans po matulungan ninyo kami tnx!

  7. cherry says:

    gusto ko pong magtanong kung paano po kami maka avail ng financing loan sa inyo gusto po naming kayo mag finance ng house na ipatayo namin tnx!

  8. hdmf says:

    hi joanne
    plase check status of your loan whether it was really canceled kasi pag na “take out” na that would fall under bad loan. Having such you will no longer qualify. Thanks for dropping.

  9. francis says:

    hi, i already passed all the documents… i’ve heard na matagal daw ang appraisal…. is there a possible way na mapabilis sya bcoz i already made a downpayment on the property. acquired asset kc siya ng bangko, im giving the bank a letter of extension pero sana mas mapabilis ang transaction, nung nov 19 ako nag-pass ng docs… again, is there a way to speed up the process? saka hanggang kelan kaya ang ggawin kong extension since the bank’s deadline is only until december 7… tnx :)

  10. hdmf says:

    hi francis
    can you please indicate your location here in southern mindanao. Or is the property within the coverage of Pag-IBIG Southern Mindanao Group. Thank You.

  11. meg says:

    How will i know my actual premiums online?
    Is there a website that i can browse about it?

  12. hdmf says:

    Hi meg there is no site yet where you can browse your premium online as of this time. Will post info on that as soon as it’s available. Thanks for dropping.

  13. reagan says:

    hello sir/mam

    pwede po ba mag loan sa pag i-ibig ng pang business// im asking lng po.. thanks po

    • hdmf says:

      hi ang loan na ma avail mo ay ang multi-purpose loan to start up a small business but the proceed will depend on your salary and contribution. kindly check this with the pag-ibig office where your contribution is being remitted by your office. thanks for dropping.

  14. dada says:

    gud pm..
    wen wil be the next posting of acquired assets (davao)?
    puno na po ksi halos lahat..di na po kmi mkapili ng medyo maayos..salamat po!

    • hdmf says:

      hi dada just call the office from time to time the staff would be glad to assist you and give u latest info on acquired assets. thanks for dropping

  15. exinarceSen says:

    Fantastic site.. Hope to come back again

  16. norilyn escurzon says:

    Hi mam, may new listing po kayo ng acquired assets dito sa Davao? so thankful talaga sa program nyo helping us magka bahay . . .

    • hdmf says:

      hi Norilyn …. may I refer you to the Davao Branch Office … please call (082) 2218042 and request for the Acquired Asset Section they will brief you on this program and you can ask further if you have some concerns too. Would apprecidate feedback from you on this regard. Thanks Norilyn for visiting this site …

  17. jorjina says:

    Hi. magtatanong lang po kun pede po maghousing loan ang OFW? Magkano po ang pwedeng iloan? Kunag makakapag loan man po, pwede po bang 5years lang po ang payment? Meron na po kami lot, ung construction lang po ng house kaya po kami magloan. Thanks po

    • hdmf says:

      hi jorjina … pede pong magloan ang overseas Filipino workers … paki check po sa website na ito http://www.pagibigfund.gov.ph ang requirements ang mga types of loan. Check mo din ang Overseas Directory para makuha mo ang office ng Pag-IBIG kung saan pede kang pumunta para sa mga tanong mo. Salamat sa pagbisita dito.

  18. babylyn lape says:

    Good afternoon Maam/Sir
    hi maam ask lng po yung sa acquired assets n lot sa may san miguel digos sa Blue zircon , gus2 ko sana kumuha ng lot, fix pud bah yung amount nya maam o may interset pa po yung at magkano po cxa maam, aaply po sana kami … marami po kasi kaming gus2ng kukuha sa lote doon.

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