If you’re earning ₱15,000.00 or less per month, it’s hard to qualify for most home loans in the Philippines, even the regular Pag-IBIG housing loan.

But fortunately, you may qualify for Pag-IBIG’s affordable housing loan program (AHP) that caters to low-income and minimum-wage earners. For the first five months of 2018, more than ₱10,000.00 minimum-wage and low-income earners have already availed of this low-cost house financing scheme.

Filipinos with a monthly income of up to ₱15,000.00 in Metro Manila and ₱12,000.00 in the provinces may avail of the AHP. It has a 3% annual interest rate for the first five years of the loan term. You can borrow up to ₱450,000.00 under the AHP.

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Payment and monthly contributions are also easy to do with their satellite offices and international branches.

I want Pag-IBIG services that help with:

What is Pag-IBIG Fund?

The Home Development Mutual Fund (HDMF) or more popularly known as the Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya, at Gobyerno Fund or the PAG-IBIG Fund is a fund dedicated to the creation and establishment of a national savings program and an affordable shelter financing scheme for Filipinos. It was first established in 1978 through the enactment of Presidential Decree No. 1530, and was created primarily to address these issues.

Its enabling law has gone through several amendments that have subjected the HDMF to changes in administration, as well as changes in the various rules and regulations governing its operations. Basically, the HDMF acts as the Government’s response in order to address the aforementioned issues through the provision of housing and financing schemes that would help ordinary Filipinos afford their dream homes.

Republic Act No. 9679

In 2009, the Arroyo administration enacted Republic Act No. 9679 or the Home Development Mutual Fund Law of 2009. Essentially, the law gave the HDMF more authority and privileges that would not only give it an avenue to financially assist more of its members, but also opportunities to maximize the use of its funds. For instance, membership to the HDMF is now mandatory for all employees covered by the SSS and the GSIS, as well as for uniformed members of various police and military institutions, such as the AFP, PNP, BFP, and BJMP. It also mandates the membership of Filipino employees of foreign-based employers. The new law also exempts the HDMF from tax payments, while giving its Board of Trustees the authority to set contribution rates, thereby giving the HDMF more funds to finance its housing projects, give out short-term loans to its members, and invest in government securities.

How To Check If You Are Qualified For A Pag-IBIG Housing Loan?

For you to be qualified on acquiring Pag-Ibig housing loan, you shall fulfill the following requirements;

  1. Must be a member under the Pag-Ibig I, Pag-Ibig II or Pag-Ibig Overseas Program (POP) for at least twenty-four (24) months, as evidenced by the remittance of at least 24 monthly contributions at the time of loan application.
    1. A member with less than the required number of contributions applying for a Pag-Ibig housing loan shall be allowed to make lump sum payment based on the mandatory monthly membership contribution rates (both EE and ER share) to meet the said requirement at point of loan application provided he has been a contributing member of the Fund for at least twelve (12) months. Lump sum payment of membership contributions shall be considered a single contribution for the applicable month as of the payment date.
    2. A member whose loan exceeds ₱500, 000.00 shall be required to pay the upgraded membership contribution rates upon housing loan approval and on wards.
    3. A member who has contributed for at least two (2) years and whose loans exceed ₱500,000.00 shall be required to pay the upgraded contribution rates upon housing loan approval and on wards.
  1. You should be more than sixty-five (65) years old at the date of loan application and must be insurable; provided further that he is not more than seventy (70) years old at loan maturity;
  2. You should have legal capacity to acquire and encumber real property;
  3. You should passed satisfactory background/credit and employment/business checks of the Pag-Ibig Fund;
  4. You shall have no outstanding Pag-Ibig housing loan, either as a principal borrower or co-borrower;
  5. You shall not have any Pag-Ibig housing loan that was foreclosed, cancelled, bought back due to default, which shall include cases where the borrower is no longer interested to pursue the loan and surrenders the property; and
  6. You shall not have any 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 prearranges over the counter to update his account.

Likewise, with the birth of technology, it became way easier for most of our OFWs to manage and monitor their government contributions. With this accessibility, it became much easier too to apply for housing and personal loan, more so, check their online contributions.

Whether you are employed locally or abroad, Pag-IBIG Online and Hotline is a reliable service for all. For OFWs who still do not have their Pag-IBIG MID Number, you can check the OVERSEAS POST so you can see the Quick Links about Remittance Centers to make payment and Pag-IBIG Fund Overseas Directory to inquire and get your ID which is your main access number to view your contribution, balances, apply loan online and other benefits. In this article, this will give you an informative and easy way to make check Pag-IBIG online contribution inquiry.

Before you can start an online inquiry, you need to register first to validate your personal identification by filling up all the necessary information or you can also visit the branches abroad and apply personally. After you have gotten your MID Number, you are ready to make PAG-IBIG online contribution inquiry in less than 5 minutes.

Pag-IBIG Fund Online Registration: A Step by Step Guide

If you want to own your own home, a Pag-IBIG membership is essential. Your contributions can help you fund your dream home, and even earn dividends that add up to your savings.

If you’re not yet a member, you can easily submit your Pag-IBIG Fund application online. We’ve listed down 5 easy steps to accomplishing your Pag-IBIG online registration below:

GO TO PAG-IBIG FUND’S WEBSITE

To register for a Pag-IBIG membership, visit their website at www.pagibigfund.gov.ph. Scroll down a little and click the “e-services” button.
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PROCEED TO MEMBERSHIP REGISTRATION

In the next page, click “Membership Registration” to apply for a Pag-IBIG membership.

You’ll be redirected to the Online Membership Registration homepage, which caters to those who intend to become a member of Pag-IBIG Fund. Click Continue.
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FILL OUT YOUR NAME AND BIRTH DATE

Input your name and date of birth to allow Pag-IBIG to search its member database and make sure that you haven’t registered before.

Don’t forget to enter the code at the bottom part to prevent spamming. Click Proceed.

FILL OUT THE APPLICATION FORM

You’ll then be redirected to the next page, which acts as a virtual application form for Pag-IBIG Fund membership.

Make sure that you fill out all the details needed. Take note that the form consists of several tabs, such as Member Info, Other Info, Address, Contacts, Heirs, Member Category, and Employment History, so you should go through each tab and input the details being asked.

FINAL STEPS SUBMIT YOUR APPLICATION

Once you finish the form, click the Summary tab and submit your registration. If your sign up has been successful, you’ll be redirected to the Successful Registration page. You might also receive an SMS confirming your registration.

How can I apply for a Pag-IBIG Home Loan Online?

Eager to know the easy steps to borrow a fund through Pag-Ibig loan application for OFW? Know the requirements, access form, and monitor your membership through online verification. If you are an OFW planning to buy a house and lot and looking for tips and ideas to increase the changes for Pab-Ibig Home Loan application, whether through online or walk-in, here’s your complete guide.

Pag-IBIG Home Development Mutual Fund (HDMF) was created for OFW members to afford housing loan after being a contributor of 24 months. Nevertheless, an individual should also show proof of employment as one of the proof that you’re eligible for Pag-Ibig Home Loan.

If you’re an interested applicant and desires to apply online, here are the following guidelines;

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  1. Please select an option from the following:
  2. Apply for Housing Loan (For prospective Housing Loan Applicants)
  3. Reschedule Housing Loan Application Appointment (For Existing Housing Loan Applicant who wish to reschedule their initial selected appointment date)
  • You shall provide your Pag-IBIG MID/RTN.

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  1. Please Input the Following:
  2. Pag-IBIG MID/RTN
  3. Member’s Last Name
  4. Member’s First Name
  5. Code or Captcha
  6. And Click Continue
  • Prepare the following requirements;
    • Members Data (Complete Name, Present Address, Permanent Address, Proffered Mailing Address, TIN ID, SSS, GSIS ID, Contacts)
    • Collateral
    • Gross Monthly Income
    • Bank Accounts (Indicate Your 3 Most Active, Bank Name, Address, Type of Account)
    • Credit Cards (Indicate Your 3 Most Active, Card Type, Card Expiry & Credit Limit)
    • Real Estate Owned
    • Outstanding Credit / Loan Av-ailments
    • Miscellaneous
      • Are there past or pending cases against you?
      • Do you have past due obligations?
      • Was your bank account ever closed because of mishandling or issuance of bouncing checks?
    • Loan and Credit References
    • Trade References (for Self-Employed Only)
    • Character References

Pag-IBIG Online form for Housing Loan Application

  • Pag-Ibig will inspect the property as well as the individual who have applied for this loan, this is to see if the applicant is deemed fit the loan that will be given. The processing time may take around 20 days after the submission of requirements.

These are the easy steps to check PAG-IBIG balance online:

1. Go to www.pagibigfundservices.com
2. Go to Pag-Ibig Online Services and Click the “OFW Member’s Contribution Verification” Image. This service allows OFW members to view their member savings with the fund.  How-To-Check-Pag-Ibig-Contribution-Online-04.png
3. Make sure to supply all the necessary information:
a. Pag-IBIG MID Number
b. Last Name
c. First Name
d. Enter the Code
e. Click Proceed

Please note, if you do not have MID Number yet, you can click the “Click here if you do not have a Pag-IBIG MID No.” highlighted in blue option right at the middle part of the page. From there, kindly provide the following information:
a. Temporary Registration Form or Registration Tracking Number that was provided to you upon registration or application
b. Last Name
c. First Name
d. Enter the Code
e. Click Proceed

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4. The next page will appear showing your full name and date of birth. Click View Membership Savings to check your monthly contributions.
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5. In some cases, you might get an error. Do not be frightened. The browser in most cases is the main problem. It is advisable to try to use Mozilla Firefox and remove the Privacy option and Block Pop-Up. It is also advisable to use a desktop or a laptop. The instance of getting error is common if you are using mobile devices. This is also the most case in other government sites. You may do it, but do not forget to log out after your transaction or online inquiry.

Note: If you get an error saying No Record Found, possibly, your MID Number is not yet active or you might have given another Pag-IBIG MID Number. It is always better to verify it to Pag-IBIG Fund itself.

6. Once you are able to access it, you will find details of all your contributions including the month and the amount of contributions.

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Bonus: 5 Ways to Check Your Pag-IBIG Contributions Online

Here’s the OFWMONEY bunos tips on how to check if your employer is Paying Your Pag-IBIG contributions.

Check your Pag-IBIG contributions regularly. Yours should be up-to-date and remitted correctly, so you can qualify for housing and salary loans from Pag-IBIG anytime you need to borrow money for your short-term needs. This will also prevent delays in your benefit and loan processing.

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Liberty Island in New York Harbor in New York City, in the United States.

Pag-IBIG members can verify their paid contributions via different channels:

Whatever Pag-IBIG contribution verification method you use, you’ll need to provide the following details:
  • Full name
  • Birthdate
  • Name of your past and present employers

Housing Loan Payment Verification

This service allows existing housing loan borrowers to check their housing loan balance and view their payments. Borrowers may also enroll to the Paperless Housing Loan Billing Services to receive the Billing Statement via eMail.

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  • Requirements Need to Take note before you proceeds the the Steps.
  • HLID Account No.,
  • First Name and Last Name

Steps to Check Pag-IBIG Account Summary and Billing Statement

1 Checking your Pag-Ibig contributions can take less than five minutes if you do it online using the service portal of the OnlineHLVerification just visit or tick the button below.

2Please Input your HL Account No., Last Name and First Name together with reCAPTCHA Code and Click Proceed.
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3How To View your Complete Summary Please Follow the Instructions on the Picture.

Take note that you have an option to receive monthly billing statement through email.

  • Loan Value
  • Term in Years
  • Interest Rate
  • Outstanding Balance
  • Monthly Amortization
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Statement Summary Current Billing

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Payment Reminders

  1. Please present this Billing Statement or the perforated card at the upper left part of the billing statement when paying at any Pag-IBIB Fund Accredited Collecting Partners. However, for payments made beyond the due date, corresponding penalties shall be charged to your account.
  2. Payments made after the previous bill period’s due date may not be reflected in this bill.
  3. Please make all checks payable to Pag-IBIG Fund.
  4. For payments made thru Post-Dated Checks (PDCs), please deposit to the concerned bank the amount indicated on the PDCs regardless of the total amount due indicated above.
  5. Please notify us immediately of any changes in your billing address or personal data.
  6. This bill is considered accurate if no advice is receive within 10 days from receipt.
  7. Please submit a photocopy of your updated Real Estate Tax Receipt at any Pag-IBIG Fund office or email the scanned copy not later than June 30 of each year.

Pag-IBIG Housing Loan Payment History

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How Much are Your Monthly Contributions

To put it simply, the higher your contributions are, the higher the loan amount you can take out.

OFWs, Seaman employees, voluntary members, and employers should be aware of this table. This updated table will be the reference how much will be the monthly contribution. If you are receiving ₱5,000.00 below monthly, this will be your guide.

Maximum Pag-IBIG Contribution

The maximum compensation used for computing employee’s monthly contribution is currently set to ₱5,000.00. This means that the employee and employer will both share ₱100.00.

₱5,000.00 * 0.02 = ₱100.00

If you are an employee who earns more than ₱5,000.00 monthly, your salary will automatically be deducted ₱100.00. Similarly, your employer should pay ₱100.00.

Check out this table to give you an idea of how much you can borrow from Pag-IBIG Fund:

Monthly Membership ContributionPossible Loan Amount
₱200.00Up to ₱500,000.00
₱250.00₱500,000.00 to ₱600,000.00
₱300.00₱600,000.00 to ₱700,000.00
₱350.00₱700,000.00 to ₱750,000.00
₱400.00₱800,000.00 to ₱900,000.00
₱450.00₱900,000.00 to ₱1,000,000.00
₱500.00₱1,000,000.00 to ₱1,100,000.00
₱550.00₱1,100,000.00 to ₱1,200,000.00
₱600.00₱1,200,000.00 to ₱1,300,000.00
₱650.00₱1,300,000.00 to ₱1,400,000.00
₱700.00₱1,400,000.00 to ₱1,500,000.00
₱750.00₱1,500,000.00 to ₱1,600,000.00
₱800.00₱1,600,000.00 to ₱1,700,000.00
₱850.00₱1,700,000.00 to ₱1,800,000.00
₱900.00₱1,800,000.00 to ₱1,900,000.00
₱950.00₱1,900,000.00 to ₱2,000,000.00
₱1,000.00₱2,000,000.00 to ₱2,100,000.00
₱1,500.00₱3,000,000.00 to ₱3,100,000.00
₱2,000.00₱4,000,000.00 to ₱4,100,000.00
₱2,500.00₱5,000,000.00 to ₱5,100,000.00
₱2,950.00₱5,900,000.00 to ₱6,000,000.00

Guide to Applying for a Pag-IBIG Salary Loan

One of the advantages of being a Pag-IBIG member is that you can apply for a Pag-IBIG Salary Loan. “Salary Loan” in reference to the fact that the amount you can borrow is dependent on your Pag-IBIG contributions.

Interested to apply for a Pag-IBIG Salary Loan? Here’s a quick guide for you.

Pag-IBIG Salary Loan Eligibility

To qualify for a Pag-IBIG Salary Loan, Pag-IBIG Fund members need to accomplish the following:

  • Have a total Pag-IBIG Fund savings of ₱4,800.00 or at least twenty-four (24) monthly Membership Savings (MS)
  • Have made at least one (1) MS within the last six (6) months, as of month prior to date of loan application
  • Submission of sufficient proof of income
Pag-IBIG members with an existing Pag-IBIG Housing Loan or Pag-IBIG Calamity Loan must not have a default account in the date of application.

How to Compute Pag-IBIG Salary Loan Amount

Calculations are made according to the individual’s membership term multiplied by his/her monthly contribution. From there, a 60% loan factor is applied. So for example, an individual who has been a Pag-IBIG member for 24 months can only loan ₱2,880.00 (24 months x 200 monthly contribution ÷ .60)

The amount you can loan rises as your monthly contributions increase, and so does the loan factor. An employee who has made contributions for 120 months or more can take out a loan at an 80% factor.

Pag-IBIG Salary Loan Requirements

You need to complete the following requirements before applying for a Pag-IBIG Salary Loan.

You also need to be an active Pag-IBIG member at the time of loan application, with at least five (5) monthly contributions for the last six (6) months. The application form will require your employer’s information, so be sure to secure the following data as well:
  • Signature of Office Head/ or Authorized Representative
  • Employer/Company Name
  • SSS/GSIS No.
  • Agency Code and Branch Code
When you have all of these, visit a Pag-IBIG branch near you and have your documents processed for approval.

You can also apply for loan renewal later on though it will require six months’ worth of payments towards your existing loan plus the outstanding balance together with any accumulated interest. Penalties and charges will be deducted from the new amount you take out.

Pag-IBIG Salary Loan Term and Modes of Release

When you receive approval for your Pag-IBIG Salary Loan application, you may choose from any of the following modes of loan release:

  • Crediting to your disbursement card
  • Check issuance
  • Bank transfer through Landbank of the Philippines’ PACSVAL

How to Pay Your Pag-IBIG Salary Loan

The loan will be paid over a maximum period of twenty-four (24) months, with a grace period of two (2) months.

Paying your loan on time is important to avoid debt and high interest rates.

  • For employed members – salary deduction
  • For voluntary members / individual payors – over the counter and other modes the Fund may adopt in the future.
The borrower may renew his/her loan after payment of equivalent to six (6) monthly amortizations and upon satisfying the requirements stated in the prevailing guidelines of the program.

The proceeds of the new loan will be applied to the borrower’s outstanding SL obligation and the net proceeds will be released to the borrower.

Everything You Need to Know About Pag-IBIG Funds Benefits

You already know that being a member of Home Development Mutual Fund (HDMF) – more commonly known as the Pag-IBIG Fund – means that you get access to home loans to finance a home of your own.

The agency itself boasts upwards of 13.8 million members and total assets of Php 350 Billion, generated from contributions made monthly by members. As such, there are useful benefits of Pag-IBIG members you might not know, and here’s a look at a few of them.

Asset expansion

You’re aware that the Pag-IBIG Fund can be used to facilitate the funding necessary to purchase or improve upon a home, but there are also two types of contributions to the fund that can be used to let you save more money that can eventually be allocated elsewhere.

Under the agency’s Providence Savings Program, any member can accumulate contributions that can eventually be claimed – on top of the contributions made monthly. Below are the two types:

  • Pag-IBIG I – The more commonly known version of the program, where employers and employees share the monthly Php 200 minimum contribution. Once 24 contributions are reached, members can choose to take out a multi-purpose loan, calamity loan, or any of the agency’s many available housing loans.

Additionally, contributions will mature and can be claimed upon reaching 240 contributions, or by the 20th year of membership.

  • Modified Pag-IBIG II – Also known as the MP2 Program, this one is a wholly voluntary and additional five-year savings facility. It is accessible to members already enrolled in the Pag-IBIG I program.
In this program, members make a second contribution – at a minimum of ₱500.00 per share – that matures in five years. After which, a member can claim their savings, plus dividends earned.

Applications for the MP2 program is as simple as speaking to your human resources officer and stating that you’d like to enroll, after which you’ll be asked to sign a form that serves as confirmation.

If you are self-employed, you may also enroll in this program. You may download the MP2 enrollment form online.

Multiple housing loans

As of April 2015, members are allowed to take out more than one housing loan. Under Circular No. 353, Pag-IBIG members are allowed to have more than one housing loan, providing that they remain within certain guidelines.

Naturally, said loans must be within the member’s capacity to pay, but other conditions included the following:

  1. The total or aggregate loan value – including any outstanding loan balances and the amount of the new loan – must not exceed Php 6 Million.

NOTE: In case they are a co-borrower, their proportionate share in the outstanding balance will be included in the total computation.

  1. In the case of multiple loans, should one of the accounts default, all other loans shall be considered default.

If you want to compute the Pag-IBIG’s loan amortizations, you may use their Housing Loan Calculator.

Higher earnings for bigger contributions

As you may be aware, members and employers share a monthly contribution, deducted from your monthly pay.

As you increase these contributions, the maximum loanable amounts that you can borrow will increase. The percentage of growth for the amount you contribute also grows, though the actual amount is based on the yearly income of the fund.

Larger contributions also play a huge part in housing loans, as gross monthly income plays a part in the computation of the loanable amount.

How to Withdraw Pag-IBIG Fund (HDMF) Contributions – Easiest Way

Here are the 6 Grounds for Membership Termination or Withdrawal.

1. Membership Maturity

Member must have remitted at least 240 monthly membership contributions with the Fund. For Pag-IBIG Overseas Program (POP) members, membership with the Fund shall be at the end of five (5), ten (10), fifteen (15), or twenty (20) years depending on the option of the member upon membership registration.

2. Retirement

member shall be compulsorily retired upon reaching age 65. He may however, opt to retire upon the occurrence of any of the following:

  • Actual retirement from the SSS, the GSIS or a separate employer provident/retirement plan, provided the member has at least reached age 45
  • Upon reaching age 60

3. Permanent Total Disability or Insanity

The following disabilities shall be deemed total and permanent:

  • Temporary total disability lasting continuously for more than 120 days;
  • Complete loss of sight of both eyes;
  • Loss of two limbs at or over the ankle or wrist;
  • Permanent complete paralysis of two limbs;
  • Brain injury resulting in incurable imbecility or insanity; and
  • Such other cases which are adjudged to be total and permanent disability by a duly licensed physician and approved by the Board of Trustees.

4. Termination from Service by Reason of Health

5. Permanent departure from the country

6. Death

In case of death, the Fund benefits shall be divided among the member’s legal heirs in accordance with the New Civil Code as amended by the New Family Code.

CHECKLIST OF REQUIREMENTS

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  1. Application for Provident Benefits Claim APB, HQP-PFF-285 [PFF285_ApplicationProvidentBenefitsClaimIISP_V01.pdf]
  2. Pag-IBIG Loyalty Card and one (1) valid ID of member/claimant (present original and submit photocopy)
    NOTES:

    1. If Pag-IBIG Loyalty Card is not available, two (2) valid IDs (present original and submit photocopy).
    2. For retirement purposes, the valid IDs must reflect the member’s date of birth. If the valid IDs do not reflect the date of birth, submit any of the following:
    3. Birth Certificate of Member issued by Philippine Statistics Authority (PSA)
    4. Non-availability of Birth Record issued by PSA and Joint Affidavit of Two Disinterested Persons (HQP-PFF-029,

How to Pay PAG-IBIG Contribution Online with a Credit Card

These days, almost any transaction that you’d make in person, you can make online without ever having to leave your home.
PAG-IBIG contribution remittance made easy! With just a few taps on your computer keyboard and your credit card number, you will be able to remit your monthly HDMF contribution with no sweat! Here’s how:

  1. Log in to Pag-IBIG Fund website at www.pagibigfund.gov.ph.
  2. Click “E-Services” and select “Online Payment Facility”.
  3. Under Online Payment Facility, accomplish the following required information to pay Monthly Savings:
    • Membership Category (Local or Overseas)
    • Pag-IBIG Membership Identification (MID) No./Registration Tracking No. (RTN)
    • Monthly Savings (Amount Due)
    • Period Covered
    • Member’s Cell Phone Number/Email Address
      • NOTES: The following information in Payment Slip must be accomplished:
      • The member’s name will appear upon system validation of MID No.
      • Once the corresponding monthly savings is encoded, the Total Amount Due to be deducted from the credit card will be displayed including the Convenience Fee charged.
      • The system will only accept payment for current and future monthly savings.
  4. Select what mode will be used for receiving the payment confirmation (thru SMS [member’s cell phone number] and/or Email [member’s email address]) and supply the needed cell phone number and/or email address.
  5. Enter the code (CAPTCHA) and agree on “Terms and Conditions” then click “Proceed.”
  6. The system will display “Payment Summary.” You will be asked to check payment details prior to proceed with payment and click “Submit.”
  7. Choose what Credit Card will be used for payment (either Visa or Mastercard).
  8. Accomplish and confirm required credit card details (i.e., credit card no., expiration date of credit card, credit card verification no., etc.).
    • NOTES: The following information in Payment Slip must be accomplished:
    • Once payment transaction is completed, the Payment Result will be displayed reflecting the Merchant Reference No. and Payment Reference No. which shall serve as proof of payment.
    • The member will receive an SMS or Email notification concerning credit card transaction.

Pag-ibig Retirement Benefits — When and How to Claim

There are only five conditions in which you are allowed to claim your Pag-ibig retirement benefits.

Under the sixth reason — death — your beneficiaries will get your benefits. You should be in one of the following conditions before you can claim:

  • You are 60 years old or older.
  • Or you have already retired from the SSS or GSIS.
  • Or you have retired from your company under your company’s early retirement plan and you are 45 years old or older.
  • You have 240 monthly contributions or more and you are 45 years old or older.
  • You have permanent and total disability.
  • You have been formally separated from service because of serious illness.
  • You have immigrated to another country.
  • Death. Your legal beneficiaries will get your benefits.
For each of these conditions, you have to submit proofs.

Requirements for Claiming Your Pag-ibig Retirement Benefits:

  1. Application for Provident Benefits (APB) Claim Form
    You can download this form from this Pag-ibig Fund’s Google Docs page.
    Or from our page: Information Philippines
  2. Photocopy of Pag-ibig Loyalty Card
    and photocopy of one valid ID
    Bring original IDs for verification.If you don’t have a Pag-ibig Loyalty Card, submit photocopies of 2 valid IDs.
    Bring original IDs for verification.
  3. Is your date of birth shown in your IDs?
    If not, submit Birth Certificate issued by the PSA (formerly NSO).
    If you have no Birth Certificate in the PSA, submit a Certificate of Non-Availability of Birth Record from the PSA and a notarized Joint Affidavit of Two Disinterested Persons attesting to your date of birth.

Additional requirement if you have retired under your company’s Early Retirement Program:

  • Submit your notarized Certificate of Early Retirement.
Additional requirements for government employees:
  • If you are a government employee, submit a photocopy of your GSIS retirement voucher. Bring the original.
  • If you are a member of the PNP, BJMP and BFP, submit a photocopy of your Order of Retirement and a photocopy of your Service Record. Bring the originals.
  • If you are a member of the AFP, submit a photocopy of your Order of Retirement and a photocopy of your Statement of Service. Bring the originals.

Things To Do Before you are going to Pag-ibig Fund – A Comprehensive Guide

  • List the companies where you worked, addresses of these companies, and dates when you worked in these firms.
  • Go to Pag-ibig Fund and ask for a copy of your contributions. Go to the Pag-ibig branch where your last company is making its Pag-ibig submissions. Bring 2 valid IDs.
  • Check if all your Pag-ibig monthly contributions are included.
  • If there are missing contributions, think if these could have been submitted in another Pag-ibig branch. Companies usually make submissions to the Pag-ibig branch nearest to them.
  • If you need to, request for a consolidation of records. This is a copy of the Pag-ibig Request for Transfer of Members’ Records form.
  • If you’re making a claim for your parent or relative, have a SPA or Special Power of Attorney. This is a copy of the SPA for Pag-ibig Claims.

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Baby carmelita ac-ac
Baby carmelita ac-ac

Paano po malaman yung record ng member kung magkano ppo ang utang kasi nagloan po ang kapatid ko ng may work pa po sya tapos nahinto ung pag ibig contribution nya tapos ngayon po itutuloy nya. Gusto nya pong malaman para bayaran po nya . Pwede po b mag inquire through online.

Cyrine
Cyrine

since matagal na ung loan nya na di nabayaran you can you can visit Pag ibig branch kung saan naghuhulog ung previous employer nya para ma verify kung magkano ung babayaran nya.

MAYBELLE T FADRIQUEL
MAYBELLE T FADRIQUEL

Good afternoon. I am DepEd employee teaching here in Romblon. I would like to verify po sana kung kelan talaga ako inistart dineductan ng calamity loan. The loan was granted 11/29/2013 and supposed to end ng December 2015. Pero nang nagloan po ako hindi agad ito dineduct sakin kundi pa nirequest ay dati po kasi automatic itong salary deduuction. Then nagfiscal kami January 2016 alam ko dineductan po ako till June 2016 kasi po nna-stop dahil nappromote kami sa Senior High School. Then nang nag-appear sa payslip namin ang nangyari start pa lang ng deduction ng April 2017 ay may… Read more »

KIM HEECHUL
KIM HEECHUL

PANG OFW LANG PO BA ITO?

Arrianne Feve Lomarda
Arrianne Feve Lomarda

Comment:ask ko lng po paano po ba pa nadoble payment po yung isang buwan na contribution at loan..wat to do ..salamat..reply asap
sa PAGIBIG PO,TY

Cyrine
Cyrine

Hi Arrianne, you can call pag ibig call center operation at 724 4244 and inform them about your double payment.

Cyrine
Cyrine

since matagal na ung loan nya na di nabayaran you can you can visit Pag ibig branch kung saan naghuhulog ung previous employer nya para ma verify kung magkano ung babayaran nya.

Salvi Aries
Salvi Aries

hi. pwede ba ma verify sa philippine embassy outside the country lahat ng records ng PAG-IBIG loan and contribution payments. kc ofw po ako. pwede po ba sila (the embassy) mag issue ng printed records? kc sa SSS maview at ngbigay sila ng printed records. kindly reply please? thank you.

Cyrine
Cyrine

Hi Salvi Aries, yes you can verify your pagibig contribution at Philippine embassy in your place.

joven
joven

bakit yung mga hulog ko kulang ng apat na buwan may resibo nmn kami, bakit hindi kita sa list, ano yun nagbayad kami at hindi naman naihulog sa pagibig ng bayad center.

Cyrine
Cyrine

Hi Joven, possible na hindi pa updated ung nasa record ni pag ibig, kung may resibo ka naman maari mo itawag sa customer service hotline nila ung concern mo.

Emil
Emil

Mam ask ko lng po kz ng hiwalay n kmi ng asawa ko ung bahay bkapangalan sa knya pero ako po naghuhulog.. Taz nghiwlay n nga po kmi ang prob ko po ayaw ibigay skin ng aswa ko ung acount no nia para mhulugan ko sana pno po gagawin ko.

Kaylee

Hi Emil, since sa kanya nakapangalan ung bahay kahit ikaw ang naghuhulog sa kanya pa din ung ownership pero kung kasal kayo maaring conjugal property, mas ok na ma consult ka ng legal expert regarding dyan.

allan rocero
allan rocero

naka save sa phone ko yung paibig number ko kya lang nwala cp ko kya n lost id number ako pano ko malalaman ulit number ko at ano ang fillup para malaman uli ang apag ibig number

Cyrine
Cyrine

Hi Allan, if your employed you can ask your employer they have your pagibig number if not call pagibig customer service hotline 724 4244 or visit any pagibig branch near you.

argie

pano po kung una self employed ka/yapos may company na po mag sasama po bqa yung yung hulog?o kailangan pa pumunta ng pag ibig brance?

Cyrine
Cyrine

Hi Argie, isang pag ibig number lang yan provide mo sa employer mo ung existing pag pagibig number mo para dun din mahulog ung contrubution mo.

Jennifer
Jennifer

Hi po, gusto ko pa malaman pano ko po ba malalaman if hulugan po ung pag ibig fund ko’ at pans po ba malalaman if ok pa un number ko’

archie ardeza
archie ardeza

mam matagal po ba talaga ang pag transfer kase yung sakin halos 5month na hindi parin na transfer

Mary Grace Roble
Mary Grace Roble

hi po.. paano ko po malalaman kung nahuhulugan po aKO? kase po wala po akong time magpunta sa pag-ibig fund salamat po 🙂

Kaylee

Hi, Mary Grace, only OFW can check their contribution online, for non OFW they can check their contribution at any pag ibig offices.

ronie caser

pano malalman kung mag kano maloloan ko po sa online site ng pag ibig???

Georgie
Georgie

bakit ganito po lumalabas sakin? kailangan po ng select country

Kaylee

Hi Georgie hindi na kailangan ng country, reminder lang ung verification na to pang OFW lang.

Jeanette
Jeanette

Hello!! Tanong ko lng po kung pano mg Inquire may pag ibig number po ako ,nahulugan ko lng nung pauwe ako ng Pinas it was 2010 gusto ko po sanang econtinue,ano pong gagawin ko?? Maraming salamat po God Bless

Kaylee

pwede mo pa yan hulugan, mag inquire ka sa mga remittance center sa location mo may mga nagaacept ng pag ibig payment.

Jean Agbon
Jean Agbon

Good day! Nasa DepED po ako. 15 years na po ang aking contribution last january. May makukuha po ba ako katulad sa 10 years contribution na loyalty?

Lorelynalcon Gelasin
Lorelynalcon Gelasin

Gud pm mam/sir. Ask ko lang po kung pwede po ba i lump sum ung pagibig ng husband q if naka 10years npo xa.. salamat po.

Arnel N. Bermudez
Arnel N. Bermudez

hi itanong ko lang po kung paano at kailan namin pwedeng makuha yung provident fund namin once nag early retirement kami o binayaran ng redundancy?

talleo mary lyn
talleo mary lyn

panu poh bah magcheck ng contribution? nag online nako pero ayaw naman

Kaylee

online checking is only for OFW. if your not an OFW you can visit any Pag ibig offices near you.

angela pacheco
angela pacheco

di ko po makuha ung pag ibig no. ko panu po kya un?

Julie
Julie

Paano po ba mag verify ng contribution dto kasi para lang sa yata sa ofw yung info na nakalagay chineck ko yung web para sa Ofw verification not available nman ..? Reply pls .salamat

Kaylee

Hi Julie, this is only for OFW

noelie ambagan
noelie ambagan

HI MAm panu qo po malamn kng mgkanu b hulog sa Pag-IBIG Fund ko

frenelyn
frenelyn

hello po pinapatanong po ng siater ko kung pwede daw po mag update ng details online kasi po naaus na niya ung kanyang mispelled middle name sa b.certificate niya kaya gusto na rin daw po niayang ipaaus ung sa pag ibig funds niya meron po b?

Kaylee

Hi Frenelyn update information kailangan sa pag ibig offices kasi kailangan mag submit ng mga requirements.

Emely C. Camacho
Emely C. Camacho

good day! I’ve been a pag-ibig member since last 2015 but until now I cannot avail my first loan. why?

Mark Jayson Cabanig
Mark Jayson Cabanig

Sana hindi lang pangofw eto.. dahil member din nmn nsa local.. at hindi lahat ng member puro work abroad meron din po local at negosyante.. sana equal nmn at transparent po kayo… tnx

Francisco Manata jr
Francisco Manata jr

hello po..matanong ko lNg ulit pede ba ako mka loan isang buwan na ako tambay..seaman po ako at sa ngaun antay pa akp approval sa ina applyan ko..ano po requirments

menandrino bacerdo
menandrino bacerdo

pwede po bang kunin ang hulog sa pag ibig kung naka 10years na ang member

aaron lester bea
aaron lester bea

dapat pwede dn mg verify ng pagibig no. dto sa online

Allan Isaac conde
Allan Isaac conde

Paano Ko po malalaman Yong Code Number KO kasi nawala kasi Yong mismong kopya KO sa. Pagibig fund

Joshua lee black
Joshua lee black

Pano po malalamanang hulog kht dito lang sa pinas para mapadlai po ang pag virefy nmin sa mga inihoholog ng agency

Kaylee

Hi Joshua, you can visit at any pag ibig offices or call them at 724 4244

mash
mash

hello po ask ko lang po kung papanu malalaman ang monthly kong dapat bayaran kasi po wala akong idea kung mag kanu talaga dahil nasa abroad po ako atdi sinasabi ng kapatid ko ang exact amount at resibo wala syang pinapakita

Kaylee

Hi mash, housing loan ba ung binabayaran mo?

Rex yambao garcia
Rex yambao garcia

Comment please?nag register po ako sa online pero wlang nag reply skin kung nka register na po ba ako…pano po malalaman kung nkaregister na po ako.