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Pag-IBIG Loan Guide: Multi-Purpose Loan, Housing Loan and Calamity Loan

Last updated: May 23, 2024
Written by: Digido Financial Writers Team | Reviewed by: Anna Kireeva

Key takeaways:

  • Pag-IBIG is the best option to get a home loan because of its long tenure and affordable interest rates.
  • There is a short-term Calamity Loan, a Multi-Purpose Loan, and a longer Housing Loan in Pag IBIG.
  • To qualify for such loans, you should be an active Fund member with a minimum monthly contribution of 24 months.
  • If you need a small loan up to Php 25,000.00, it is better to go to Digido.
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Whatever be the reasons, having an independent shelter is a desired financial milestone for all. Sadly, only very few super-rich alone can make it without financial support from banking institutions. The continuously increasing prices for residential buildings make owning a house unachievable for most Filipinos.

Realizing the precarious situation, the Government has constituted the Pag-IBIG fund with a vision “For every Filipino worker to save with Pag-IBIG fund and to have a decent shelter.”

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What Is Pag IBIG Fund and How it Works?

The Home Development Mutual Fund (HDMF), popularly known as Pag-IBIG, is a consolidated fund to make affordable housing accessible to all (1).

The Philippines’ Government owns and controls the fund and works under the Department of Human Settlements and Urban Development. The working of the Pag-IBIG fund is as follows. Members provide monthly contributions, and it constitutes the fund. When a member needs money to buy a house, he can get up to PHP 6 Million as a Pag IBIG loan.

The loan duration can be up to 30 years, and the interest rate can be as low as 4.5%, based on your eligibility. Apart from buying a house, one can use these loans for house renovation activities or mortgage refinance. A member can utilize his Pag-IBIG fund contributions as membership savings as well. When a financial emergency strikes, he can withdraw a portion of his contributions as a loan with minimal formalities and inconveniences. The return from your Pag-IBIG contribution is much better than conventional bank deposits, and the dividends are tax-exempt. There are no account maintenance charges either.

These features make Pag-IBIG membership an essential and rewarding entitlement for a Filipino living in a growth-hungry economy like the Philippines.

kinds of loan in pag ibig

Types of Pag-IBIG Membership

The primary types are the Regular Membership and the MP2 (Modified Pag-IBIG 2) Savings Program. Regular Membership is mandatory for all Filipino employees covered by the Social Security System (SSS) or the Government Service Insurance System (GSIS), including overseas Filipino workers (OFWs). This membership allows members to access loans, savings, and other benefits.

In addition to the Regular Membership, Pag-IBIG also offers the MP2 Savings Program, which is a voluntary savings scheme providing higher dividend rates compared to the regular savings program. It is available to all active Pag-IBIG members who wish to save more and earn higher returns on their investments.

Pag-IBIG offers two categories of memberships, such as Mandatory membership and Voluntary membership (2) – Pag-IBIG MP2 Savings Program.

✅ Mandatory Membership

The law insists on mandatory membership of Pag-IBIG for some categories of employment. For such employees, the employer has a statutory obligation of Pag-IBIG contribution table towards the employee account.

Below are the people who become the Pag-IBIG members by virtue of their employment:

  • Private Employee: All private sector employees below 60 years of age with active Social Security System (SSS) coverage.
  • Household Helper: If you earn at least PHP 1,000 per month by doing household jobs such as driver, gardener, clock, governess, or any other domestic services, you become a Pag-IBIG member.
  • Filipino Seafarer: The foreign ship owner and the manning agency becomes the employer of a seafarer upon signing the standard contract of employment and makes him a member of Pag-IBIG.
  • Self-employed: A self-employed person who earns at least PHP 1,000 per month and is not above 60 years of age is a mandatory Pag-IBIG member, irrespective of his business, trade, or occupation.
  • Expatriate: Any foreign citizen who lives and works in the Philippines is mandated to be a member of Pag-IBIG, provided he is not more than 60 years of age.
  • Public Sector Employees: All public sector employees with the mandatory Government Service Insurance System (GSIS) coverage, including members of the judiciary and constitutional commissions, automatically become Pag-IBIG members.
  • Uniformed Members: Members of the Armed Forces of the Philippines, the Philippine National Police, the Bureau of Fire Protection, and the Bureau of Jail Management and Penology are mandatory members of Pag-IBIG.

Filipinos employed by foreign-based companies, irrespective of their employment locations, are also members of Pag-IBIG.

✅ MP2 Saving Program

The Pag-IBIG MP2 Savings Program is a voluntary savings scheme offered by Pag-IBIG Fund in the Philippines. It is specifically designed for members who seek higher returns on their savings compared to the regular Pag-IBIG savings program. This program is open to all active Pag-IBIG Fund members, including those who are locally employed, self-employed, and overseas Filipino workers (OFWs).

Any Filipino within the age group of 18 years to 65 years can be a Pag-IBIG member through voluntary contributions.

Below are the prerequisites for anyone to be a voluntary member:

  • Non-working spouses of a Pag-IBIG member without any vocation or employment offering mandatory coverage.
  • Filipino employees of foreign governments or international organizations that do not have any administrative agreement with the fund.
  • People who cease to work or are unemployed and wish to retain the membership through regular contributions.
  • Leaders and members of religious groups.
  • Public officials or government employees who are not covered by the GSIS.
  • Any earning individuals or groups determined by the Board of Directors.

The Pag-IBIG MP2 Savings Program provides higher tax-free dividends annually, which typically exceed those of regular Pag-IBIG savings. Members enjoy flexibility in how much they can save, starting with a minimum of PHP 500 and no upper limit, allowing for investment according to financial capability. The program’s term is flexible, lasting five years with an option to renew.

Dividends can be compounded annually or withdrawn at the term’s end, and members can also choose annual credit to their bank accounts. The principal amount is government-guaranteed, with total savings withdrawable at maturity. Early withdrawals are possible under conditions like retirement or illness but may impact dividends.

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How to Become a Pag-IBIG Member

There is no processing fee for membership registration, and the steps are as follows:

  1. Submit 2 copies of duly filled Pag-IBIG Member’s data form (MDF) (3)  and other supportive documents to the Marketing and Enforcement Division of the Pag-IBIG branches;
  2. Obtain the Payment Order Form from the office and make the contribution payment at the Cash Division.;
  3. After payment, present originals of supportive documents to the Marketing and Enforcement Division for verification.

 

To register online, the applicant needs to complete and submit the online registration form and open an account in the Pag-IBIG system. After submitting the form, a Registration Tracking Number will be provided. Upon successful registration, the system will notify you via SMS or the Pag-IBIG hotline regarding the availability of your PAG-IBIG Membership ID and the next steps for collection.

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Types of Pag-IBIG Loans

Pag-IBIG Fund offers a variety of loan types to cater to the needs of its members in the Philippines, including both short-term and long-term loans. Short-term loans are designed to provide financial assistance for immediate needs such as minor home improvements, educational expenses, or medical emergencies. These include the Multi-Purpose Loan and the Calamity Loan, which help members cope with personal or natural calamity-related financial strains.

For long-term financing, Pag-IBIG provides housing loans, which are ideal for members looking to purchase a new home, construct or renovate their existing homes, or refinance an existing mortgage.

The main kinds of loans in Pag-IBIG:

  • Pag-IBIG Housing loans;
  • Pag-IBIG Multi-Purpose loans;
  • Pag-IBIG Calamity Loan Program.

Apart from loans, HDMF provides different insurance protection for its members as well.

In the unfortunate event of death or permanent disability of the borrower, the Mortgage Redemption Insurance program offers a loan waiver of up to PHP 500,000 or a 20% refund. All properties secured using the PAG-IBIG loan get automatic insurance coverage for any damages arising from fire, earthquake, flooding, and other natural disasters and accidents through the Fire and Allied Perils Insurance Program.

The mandatory requirement for any category of Pag-IBIG loan is that the member should have a paid-up contribution of 24 months. 

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Pag-IBIG Housing Loan

Pag-IBIG offers two categories of housing loans:

  • End-user Plan — the regular housing loan program, which offers up to Php 6 million as a housing loan.
  • Affordable Housing Plan — targets the low and minimum wage earners and offers Php 750,000.00 with a repayment window of up to 30 years.

The qualifications for Pag-IBIG Housing Loans are as follows: (4)

  • An applicant of Pag-IBIG housing loan should be an active member with a minimum monthly contribution of 24 months.
  • The applicant’s age shouldn’t exceed 65 years at the moment of loan application and 70 years upon maturity.
  • The applicant should not have any outstanding Pag-IBIG loans either as a primary borrower or co-borrower.
  • There should not be any previous history of loan default, preclosure, or cancellation of loans.

A borrower should provide:

  • Two copies of the Housing Loan Application with the borrower’s recent ID photo. (5)
  • Proof of Income.
  • One photocopy of the borrower’s ID and their husband’s or wife’s ID.

The available Pag-IBIG housing loan amount and loan conditions vary with each applicant based on their repayment capabilities. One can quickly check his repayment capability by using the Pag-IBIG Loan Calculator tool.

The loan purposes can be different:

  • Buying a residential lot (max 1,000 sq. m.).
  • Buying a house or any other type of real estate property.
  • Improvement of a house.
  • Refunding of a current housing loan.
  • Combined purposes.

Pag-IBIG Calamity Loan

An emergent calamity like flood, cyclones, fire, or volcanic eruptions can happen at any time. (6) Such an unexpected catastrophic event can push your life and business out of track.

Pag-IBIG members can access urgent financial aid through the Pag-IBIG Calamity Loan program. One can draw up to 80% of his total accumulated fund value for an interest rate of 5.95% per year. Usually, the loan duration is for 24 or 36 months. There is a grace period of three months, which means you only need to repay the loan from the 4th month after the loan approval.

The loan application form will require information about your employer as well as the signature of your manager or authorized representative.

Pag-Ibig multi purpose loan

Pag-IBIG Multi-Purpose Loan or Salary Loan

A member can draw some money from the accumulated fund for his financial emergencies of any type such as educational expenses, home repair, vacation, or hospital bills. At least one-month contribution within the last 6 months before the loan application and proof of income  are essential for this loan. If you have any other loans with payment default history, it can create hurdles for loan approval.

You can get a Pag-IBIG Salary Loan also known as the Multi-purpose Loan online of up to 80% of your savings for a loan period of 24 months at an annual interest of 10.5%.  The loan application form will require information about your employer as well as the signature of your manager or authorized representative.

👉 Who is Eligible for a Pag-IBIG MPL Loan

You can request an MPL from the Fund, if you comply with the following criteria:

  • You have accumulated savings in Pag-IBIG for over 2 years.
  • You made at least one contribution within the last 6 months.
  • If you already have a Housing Loan, MPL and/or Calamity Loan, they must not be in default.
  • You can prove your income source.

👉 Pag-IBIG MPL Requirements

  • If you are a part of Pag-IBIG, to obtain these loans you need to prepare:
  • An original of the Loan Application Form. (7)
  • A photocopy of the valid ID acceptable to the Fund.
  • Certificate of Income.

Requirements for the applicants acting through a representative:

  • Authorization Letter.
  • A photocopy of the valid IDs of both parties.
  • An original of the Calamity Loan Application Form.
  • Certificate of Income.
  • Labor Agreement.

The list of valid IDs for the MPL Loan and  Calamity Loan includes:

  • Phil ID Card.
  • Passport.
  • Driver’s License.
  • NBI Clearance.
  • Voter’s ID.
  • TIN ID, and so on.

👉 How to Calculate a Pag-IBIG Multi-Purpose Loan

If you meet the loan requirements, you can borrow 60 to 80% of your total regular savings, which are a sum of your contributions every month and the dividends you’ve earned so far. If you have been saving for over 120 months or more, you can request up to 80%, otherwise, the maximum percentage you are getting won’t exceed 60%.

To determine how much you can get as a Pag-IBIG multi-purpose loan, you should multiply your membership term by your monthly contribution, and then calculate the percentage.

Let’s say you have been making monthly payments of PHP 1,000 for 5 years, and that means you can loan 60 percent of your savings. So the loanable amount will come to 60 x 1,000 x 60% = PHP 36,000.

Suppose you decided to postpone taking an MPL. Your saving term has grown to 11 years, or 132 months. Now you are entitled to 80% of your total contributions. The sum that you are allowed to take out will be 132 x 1,000 x 80% = PHP 105,600.

How to Loan in Pag-IBIG Fund

If you qualify and have all the necessary loan documents, submit them to your HR department and work with them on your application. For self-employed individuals, go to the nearest Pag-IBIG branch to get your documents processed for approval.

You can request a Pag-IBIG MPL either online, via Virtual Pag-IBIG (8) or in-person in the preferable Pag-IBIG Fund office.  Submit your application form and proof of income, and it’s done. You can pay your loan in 12, 24 or 36 months. As an employed member, you can negotiate with your employer so that they deduct loan charges from your salary every month. If you are self-employed, work abroad, or want to settle your payments earlier, you can pay online, in the Fund office, or through a certified partner of the Fund as per your convenience.

Note that Virtual Pag-IBIG service is available only to members who meet these requirements:

  • possesses a Pag-IBIG Loyalty Card Plus, or
  • possesses a Cash Card issued by Pag-IBIG Fund banking partners;
  • works in a company with a Virtual Pag-IBIG for Employers account.

👉 How to Apply for a Pag-IBIG MPL loan Online

Here are the steps to appeal for a Pag-IBIG loan online:

  1. Register for a virtual account to apply for a loan. You will need to provide your Pag-IBIG Membership ID (MID) number, and complete the registration process which may include email verification and setting up a password.
  2. Log in to your virtual account, navigate to the ‘Loans’ section and select the Multi-Purpose Loan application form. Fill in all required details accurately.
  3. Attach the necessary documents. This typically includes your latest payslip and proof of income. The system will specify if additional documents are required based on your employment type.
  4. Read the terms and conditions of the loan carefully. If you agree, submit the loan application. You might need to print, sign, and upload a loan agreement form if prompted.
  5. Click on “Apply”.
  6. Once approved, your loan amount will be disbursed through your preferred method. Options usually include disbursement to a Pag-IBIG Loyalty Card Plus, disbursement to an enrolled bank account, or through check.
  7. Repayment terms and schedules will be provided. Ensure to meet the repayment deadlines to avoid penalties and maintain a good credit standing with Pag-IBIG

👉 How to Pay your Pag-IBIG MPL

The loan is payable within 36 months and comes with a deferred first payment. Members may also opt to pay their loans in 24 months. If you are an employed member, you may pay your loan amortizations via a salary deduction arrangement with your employer. Should you wish to accelerate or advance your payments, you may do so via Virtual Pag-IBIG, at any Pag-IBIG Fund branch near you, or through any of the accredited collecting partners’ outlets or their online payment channels.

Self-employed individuals or Overseas Filipino Workers may pay their loan amortizations via Virtual Pag-IBIG, at any Pag-IBIG Fund branch near you, or through any of our accredited collecting partners’ outlets or their online payment channels.

👉 How to Reloan in Pag-IBIG

For loans with a repayment term of 12, 24 or 36 months, the borrower may be allowed to renew their Pag-IBIG loans in at least six months after the disbursement of their debt. You can try to apply for a loan earlier, but most likely you will be refused.

You can also renew your loan later, but you must have made six months’ worth of payments on your current loan, and the remaining balance with interest will be included. Any penalties and charges will be subtracted from the new loan sum. The penalty for late payment is 1% of the unpaid amount per day.

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How Much Is the First Loan in Pag-IBIG

To calculate the amount for a Pag-IBIG loan, you need to consider the total duration of your membership and multiply it by your monthly contributions. A loan factor percentage is then applied to this figure.

For instance, if you have been contributing to Pag-IBIG for 24 months, the calculation would be:

24 months (total investment) x Php 200.00 (monthly investment) x 0.60 (loan factor)

Thus, you will be eligible to borrow Php 2,880.00.

The potential loan amount increases with higher monthly contributions and the term of membership. For those who have been contributing for 120 months or more, an 80% loan factor is used.

How Many Months to Loan in Pag-IBIG

The duration of the loan depends on the specific type of loan you choose to apply for and the terms you agree upon. Generally, loan terms can range from several months to several years, with specific durations outlined in the loan agreement. For example, the Pag-IBIG Calamity Loan can typically be repaid over a period of up to 24 or 36 months, while Housing Loans can have longer repayment periods spanning several years. However, a borrower may repay the money before the deadline.

Pros and Cons of Pag-IBIG Loans

The pros of such loans are the following:

  • Affordable interest rates

One of the primary benefits of the Pag-IBIG loans is their competitive interest rates, ranging from 3% to 10,5% per annum. These rates are lower than many other loan programs available in the Philippines, making home ownership more accessible for Filipinos.

  • Substantial loan amounts

Another key advantage is the availability of higher loan amounts. Depending on the borrower’s repayment capacity, Pag-IBIG can lend up to Php 6 million for residential properties. This allows Filipinos to finance their dream homes, even if the required loan amount is significant.

  • Versatile payment options

The Pag-IBIG loans also offer flexible payment schemes to accommodate different financial situations. Borrowers can choose between a monthly amortization plan that includes both principal and interest, or an interest-only plan for a specific period, which initially reduces the monthly payment.

However, Pag-IBIG loans have certain disadvantages:

  • Strict selection criteria

To be eligible for a loan, applicants need to satisfy certain criteria. Only members who have made 24 monthly contributions as a minimum can apply, and they must be younger than 65 years old at the moment of their application. These criteria can exclude some potential borrowers.

  • Lengthy approval process

The approval process for a Pag-IBIG loan can be relatively slow, often taking up to three months or more. This extended processing time can be a drawback for those who need immediate access to funds.

  • Property limitations

There are also restrictions on the types of properties that can be financed with a Pag-IBIG loan. Eligible properties must be located in a Pag-IBIG-accredited subdivision or condominium project, or be residential lots within specific areas, which can limit options for some borrowers.

  • Penalties and additional charges

As with other loan programs, a Pag-IBIG loan imposes penalties and charges for late payments, missed payments, or early loan termination. These additional fees can increase the overall cost of the loan for the borrower.

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Pag-IBIG is the best option for a housing loan due to its long tenure and affordable interest rates. But depending on the fund for all your financial needs is not a good idea. If you want to borrow money quickly, without a lot of paperwork, Digido will help you get the loan online quickly wherever you are. Just use the internet and a government ID. The loan amount can be from 1,000 to 25,000 pesos.

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Summary

Unexpected financial troubles could happen to anyone, but there’s no need to immediately sell your car or house. If you are a Pag-IBIG member, consider joining the MPL program. The government is able to consolidate your current loans, helping you out with lower interest rates and prolonged payment terms. However, if you don’t qualify for a multi-purpose loan, consider scoring an online loan from a reliable lender such as Digido.

FAQ

  • How much can I loan in Pag ibig?
    The Pag-IBIG allows you to borrow up to 6,000,000 pesos to buy a residential lot, house or condominium apartment.
  • How many years to loan in Pag-IBIG?
    Borrowers repay their Pag-IBIG Calamity Loans in 2–3 years. As for the Housing Loans, they may have longer terms.
  • Can I apply PAG IBIG calamity loan online?
    Use your smartphone or computer to do this. Go to the Pag - IBIG website, download and fill out the Disaster Loan Application form. Send this form electronically to your employer, and he or she will forward the loan application to Pag-IBIG.
  • How will I know if my PAG IBIG calamity loan is approved?
    You will receive a text message from Pag-IBIG if the loan is approved and your card is credited.
  • How to service my Pag-IBIG Calamity Loan?
    Your debt can be repaid over three years (36 months), with the first payment due three months after the loan is disbursed. Members also have the option to repay the loan within two years (24 months). If you are employed, you can repay your loan via salary deductions arranged by your employer. Alternatively, if you wish to make faster or advance payments, you can use Virtual Pag-IBIG, visit any Pag-IBIG Fund branch, or utilize the outlets or online payment channels of accredited collecting partners.
  • Can I apply for a Pag-IBIG loan online if I’m self-employed?
    Yes, you can. Self-employed specialists who have the Loyalty Card Plus or the Cash Card can apply online. They need to submit the filled out application form and other papers. Besides, if you are self-employed, you can file your application via email. To do this, fill out the loan application form, save it as a PDF file, and add a copy of your valid ID and the Declaration of Income.
  • What happens if I don’t make my monthly payments on time?
    If you delay your monthly amortizations, a penalty of one-twentieth of one percent of the unpaid amount will be charged daily.
  • What if my employer fails to make my Pag-IBIG loan installment payment?
    In this case, you will initially be charged penalties. However, these penalties will be waived once you provide evidence that the delay was due to the employer's fault. In that case, the employer will incur a penalty of one-tenth of one percent for each day of delay.
  • When can I renew my Pag-IBIG loan?
    You are eligible to renew your multi-purpose loan once you have made payments equivalent to six monthly payments, provided you meet the eligibility requirements. After your renewal application is approved, the outstanding balance of your current loan will be subtracted from the new loan amount.
  • Can I loan in Pag-IBIG with an existing loan?
    Yes, you can. You are still eligible to apply for a Pag-IBIG loan even if you have other current loans. The amount you can borrow will be calculated as the difference between your outstanding loan balance and 80% of your overall accumulated sum from contributions.
  • What is the Pag-IBIG contribution in 2024?
    Starting from February 2024, the minimum monthly contribution rate for Pag-IBIG Fund has been raised from Php 200.00 to Php 400.00. This entails a contribution of Php 200.00 from the employee and an additional Php 200.00 from the employer.
  • How can I Use the Pag-IBIG MPL?
    The Pag-IBIG MPL can be used for any of the following purposes such as medical expenses, minor home repairs, capital for small businesses, tuition fees, purchase of home appliances and electronic gadgets, car repair, and other needs.
  • When Can I Renew My Pag-IBIG MPL?
    The renewal will be available to you when you pay the total of at least 6 monthly installments provided you are still qualified for the loan.
  • How much is the interest rate of a Pag-IBIG MPL?
    It is 10.5% per year. The Fund’s income received off of interest rates is then paid back in the form of dividends.
  • Can I Source a Pag-IBIG MPL if I Have a Calamity Loan?
    Members with any pending Pag-IBIG loan can participate in the MPL program. However, in this case, the loanable amount will be calculated by subtracting the unpaid loan balance from 80% of accumulated contributions.
  • How to apply multi purpose loan online?
    To apply for a MPL online, visit the Pag-IBIG website, log in or register. Select the multi-purpose loan option and fill out the application form, attaching any required documents. After submitting the application, wait for the lender to review your details. If approved, you will receive a notification outlining the loan amount, interest rate, and repayment terms. The funds will then be disbursed into your linked bank account, ready for use. Ensure timely repayments to maintain a good credit standing.
  • How Much can You Borrow under the Pag-IBIG MPL?
    Qualified members can borrow up to 80% of their total Pag-IBIG Regular Savings, which consist of their monthly contributions, their employer’s contributions, and accumulated dividends earned. If you have an outstanding Pag-IBIG Loan, the amount you may borrow shall be the difference between 80% of your total Pag-IBIG Regular Savings and the outstanding balance of your Pag-IBIG Loan.
Disclaimer and Editor’s note


Authors

Digido Financial Writers Team is a team of experts in the field of finance and credit, specializing in writing articles for Digido blogs.
Anna Kireeva
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Anna is a marketing communications professional who specializes in digital marketing strategies and long-form content.

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