Small Digido loan 24/7 up to PHP 25,000!

In this article, you will learn what a government housing loan Pag-IBIG is and how to get one and who is eligible for it. Pag-IBIG is the most affordable housing loan option for Filipinos. But if you need a small loan up to 25,000 pesos, come to Digido for it.

Pag-IBIG Loan Guide in the Philippines

Last updated: March 18, 2024

Written by: Digido Financial Writers Team | Reviewed by: Anna Kireeva

Key takeaways:

  • The government established the Pag-IBIG fund to provide housing for Filipinos.
  • Pag-IBIG is the best option to get a home loan because of its long tenure and affordable interest rates.
  • But if you need a small loan up to 25,000 pesos, it is better to go to Digido.

People have different notions about a house, yet everyone dreams about owning a home. All over the world, purchasing a house is on everyone’s bucket list and is considered a financial milestone.For many, a house is the most lovely location where they built their family and enriched their souls with the vivid memories of their children’s growth. For others, it could be a safe, secure, and comfortable habitat for their parents, who sacrificed heavily for the betterment of their children. A newlywed couple would consider owning a house as a declaration of their independence and a statement of their financial stability.

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. Regular spending on rent drains their financial stability and has a damaging influence on their emotional well-being. 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.”

Get a Quick loan with 0% interest today
  • Up to PHP 25,000 In only 4 min
  • Apply with only 1 Valid ID
  • Fast Approval in 5 minutes

What Is Pag IBIG Fund?

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

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.

→ Read about OFW quick cash loan online in the Philippines


  • 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.
  • 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 Become a Pag-IBIG Member?

Pag-IBIG offers two categories of memberships, such as Mandatory membership and Voluntary membership.

A. 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.

→ Also learn more about Students Loans

B. Voluntary Membership

The primary purpose of Pag-IBIG is to make housing affordable to all, especially for the people of low economic background. A significant number of Filipinos live outside the ambit of the formal economy. Voluntary membership to the Pag-IBIG fund is an attempt to reduce this gap.

Any Filippino 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.

• You can be a voluntary member if you 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.

All about Motorcycle Loan interest rates

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) and other supportive documents to the Marketing and Enforcement Division of the Pag-IBIG branches;

2. Procure the Payment Order Form (POF) 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.

For online registration, the applicant has to fill the online registration form and create an online account in the Pag-IBIG system. After submission, the applicant will receive a Registration Tracking Number. Once the registration is successful, the system will notify you about the availability of their PAG-IBIG Membership ID and the following steps to collect it either via SMS or through the Pag-IBIG hotline.

→ Learn about Buy Now Pay Later in the Philippines

Financial help Digido loan

Need money that you can get quickly? Apply for a quick loan with just 1 government valid ID. Enjoy 0% interest on your first loan! Calculate your pre-approved loan amount with Digido calculator:

I want to borrow ₱ 10000
Min: ₱ 1000
Max: ₱ 20000
Payment Terms 10 days
7 days
21 days
My Monthly Gross Income ₱ 20000
You return*: 10 000
All your data is under secure protection!
We recommend taking a loan!

* Interest payments are approximate. The final loan amount and interest rate must be confirmed in your loan agreement after loan approval.

Pag-IBIG Fund Programs and Benefits

The major Pag-IBIG programs are:

1. Pag-IBIG Housing loans;
2. Pag-IBIG Multi-Purpose loans;
3. 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. There can be additional eligibility requirements for each type of loan as well.

→ Useful information about payday loan companies in the Philippines

Pag-IBIG Calamity Loan

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

Immediate financial assistance in the Pag-IBIG calamity loan form is available for Pag-IBIG members. One can draw up to 80% of his total accumulated fund value for an interest rate of 5.95% per annum. Usually, the loan duration is for 24 months. There is a grace period of 3 months, which means you only need to repay the loan from the 4th month after the loan approval.

One can submit the Pag IBIG Calamity Loan application 2020 within 90 days from the state of calamity declaration through the designated Pag-IBIG Calamity Loan form 2020. Learn more about how to apply Pag Ibig calamity loan online at the official Pag Ibig website

Pag IBIG Salary Loan or Pag-IBIG Multi-purpose 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.

→ Learn all About Multi-Purpose Loans in the Philippines

Digido loan before payday

Apply now

Pag-IBIG Housing Loan

Pag-IBIG offers 2 categories of housing loans:
1. End-user financing program – The regular housing loan program that offers up to PHP 6 Million as a housing loan;
2. Affordable Housing Program – targets the low and minimum wage earners and offers PHP 750,000 with a repayment window of up to 30 years.

The eligibility condition for these loans are as follows:

1. An applicant of Pag-IBIG housing loan should be an active member with a minimum monthly contribution of 24 months;

2. The applicant’s age shouldn’t exceed 65 years at the time of loan application and 70 years upon maturity.

3. The applicant should not have any outstanding Pag-IBIG loans either as a primary borrower or co-borrower. 3. There should not be any previous history of loan default, preclosure, or cancellation of loans.

4. 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.

→ Useful information on personal loans for blacklisted

The Alternative for Pag-IBIG Loans

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.

When you compare the cost-effectiveness of their loans with that of well-established lenders such as Digido, the advantages are meager. The loan proceeds for Pag-IBIG is hectic and time-consuming compared to a fully automated lender like Digido. The strict eligibility requirement and the need for a good credit score can make many Filipino’s ineligible for Pag-IBIG loans. But the eligibility criteria for Digido loans are straightforward.

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 10,000 pesos in your bank account, and up to 25,000 pesos for repeat borrowers.
We don't require guarantors representation, documentation, or guarantee deposits.
We only require 1 government valid ID

You only need to be a Filipino citizen within 21-70 years of age, with a regular income and working mobile connection. As a legit and state licensed lender, Digido ensures you the most transparent and ethical behavior without resorting to any predatory practices.

The fully automated system of Digido enables you to apply and secure a loan of up to PHP 25,000 to your cash card, even at midnight or while traveling. Digido has a loan approval rate of 95%, easy loan application and the disbursement happens within a few hours. Also Digidoh does not require proof of income, all you need is 1 valid ID and you are at least 18 years old. You need to fill out loan application form and wait for the decision.

Apply now

Digido Reviews

  • Rikki
    easy financial assistance with quick cash out andaccessible online payments. I hope there will be special rate n terms for regular customer like myself.
  • Ryan
    Digido is one of a kind. They are true to their commitment that once u pass d review they will credit the loaned amount right away! In less than 5 mins we got the money transfered to my gf bank account. Amazing! Two thumbs up Digido!!!
  • Melissa
    I highly recommend this App. Convinient and user-friendly. This App is amazing! So easy to loan and approval is very fast just a few minutes. Disbursement is super fast. The Staff are very accomodating, polite, respectful, courteous and friendly. Digido is is very reliable, costumer service is awesome. I love the flexibility it gives to their clients and I can definitly reccomend it to anyone who needs finacial assistance. To the management and staff, thank you very much for the helping hands!
  • Ryfte
    Based from my experienced in this loan app, i think its verry good easy to used. It helps for those who need urgent loan you can have longger term of repayment also.
  • Abigail
    It's very easy to file a loan on this app and it's very convenient, you just need to wait a minute and there you go, loaned amount was already in your account. Thanks Digido, we can rely on this loan platform in times of needs. And it would be better if loan interest will be lessen a little bit.
Submit review
Submite review
Thank you for review!


Disclaimer: This article was written based on information available to the writer at the time of publication and the article was published for promotional, reference, and educational purposes only. Nothing in the articles published in the website is intended to constitute legal or financial advice and users are advised to seek counsel from legal and financial professionals.

Likewise, rates or offers published in the websites are promotional marketing offers only and do not constitute any binding contract between the Corporation and the website users.While the writers and publishers of the articles in the website wrote the articles using credible information available to them at the time of publication, any changes or updates to the information presented in this article may not be reflected here.

Hence, users are enjoined to exercise appropriate diligence in using the data and information published in the website, and they are urged to study and compare it with other credible sources. Users understand that the writers, publisher, website owner and the Corporation are not liable for any damage or injury they sustained for their wrongful or erroneous use of the data or information written in the article and published in the website.

Rating (4.5/5) 320 voted. Rate us

Download the Digido mobile app and get loan instantly!

  • Borrowing 24/7
  • Approval rate over 90%
  • 1 Valid ID

Loan money online now!

Written by: Digido Financial Writers Team

Author pages:
Digido Financial Writers Team is a team of experts in the field of finance and credit, specializing in writing articles for Digido blogs.

Reviewed by: Anna Kireeva

Author pages:
Anna is a marketing communications professional who specializes in digital marketing strategies and long-form content.