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Pag-IBIG FAQ's
This page contains the frequently asked question regarding Pag-IBIG Fund. Feel free to search for your questions.
FAQs
The Virtual Pag-IBIG is Pag-IBIG Fund's online service facility that allows you to safely and conveniently access Pag-IBIG Fund's services anytime, anywhere using just your smartphone or computer with internet connection.
It also provides a chat service with a Lingkod Pag-IBIG service officer ready to answer your inquiries or concerns.
It's like having your own Pag-IBIG Fund branch ready to serve you 24/7!
By simply visiting www.pagibigfundservices.com/virtualpagibig, you can immediately enjoy the following services:
- Register as a Pag-IBIG Fund member and get your permanent Membership ID (MID)Number;
- Open a MP2 Savings Account;
- Apply for a Pag-IBIG Multi-Purpose Loan (MPL);
- Apply for Pag-IBIG Calamity Loan (for members whose area of residence is declared under a state of calamity);
- Take the first step in applying for a Pag-IBIG Housing Loan;
- Apply for a Pag-IBIG Home Equity Appreciation Loan (HEAL);
- View the status of your loan (Housing, Multi-Purpose, Calamity or Home Equity Appreciation Loan);
- Top-Up your Pag-IBIG Regular Savings;
- Save in the Pag-IBIG MP2 Savings;
- Pay your Pag-IBIG loans (Housing, Multi-Purpose, Calamity or Home Equity Appreciation Loan);
- Apply for Interest-Rate Repricing on your Housing Loan;
- Claim your Pag-IBIG Savings (due to membership maturity, optional withdrawal of savings, retirement at age 65, and MP2 Savings maturity); and
- Chat with a Lingkod Pag-IBIG, 24/7, to help you learn more about your Pag-IBIG Fund benefits.
Enjoy even more services by opening a Virtual Pag-IBIG Account!
With a Virtual Pag-IBIG account, you can enjoy the following premium services:
- View your Pag-IBIG Regular Savings records, including the annual dividends it has earned;
- View your MP2 Savings records, including the annual dividends it has earned;
- View your loan records (payments made and the outstanding balance of your Housing, Multi-Purpose, or Calamity Loan); and
- View the account balance and transaction history of your Loyalty Card Plus (currently available for cards issued by Asia United Bank);
Using just your smartphone or computer with internet connection, you can easily access the Virtual Pag-IBIG by visiting www.pagibigfund.gov.ph, and clicking on the Virtual Pag-IBIG, For Members link on the main menu.
You may also click www.pagibigfundservices.com/virtualpagibig/ to directly access Virtual Pag-IBIG.
Opening a Virtual Pag-IBIG account is as easy as creating an email address or a Facebook Profile. Simply visit Virtual Pag-IBIG at the Pag-IBIG Fund website, click the “Create Account” button, and choose how to create your account from the following options:
- Via your Pag-IBIG Loyalty Card Plus;
- Via Online Activation; or
- Via Account Creation for Overseas Filipino Workers (OFWs)
This is where your mandatory monthly membership savings (contributions) go!
The Pag-IBIG Regular Savings is a secure and convenient savings facility that gives you high annual dividend earnings to help secure your future. This is because you can eventually withdraw your savings after membership maturity of 20 years, retirement and other grounds.
The Pag-IBIG monthly membership savings is pegged at just Php100. Employed members immediately double their monthly savings with the counterpart share of their employers.
Your savings grows even more with the dividends it earns annually.
You may wish to save more than Php100 monthly so that you can save more and earn more.
The monthly savings of formally-employed members are done by and through their employers. Their employers are responsible in remitting their member savings, and their employer counterpart share to Pag-IBIG Fund on a monthly basis.
Self-employed members and Overseas Filipino Workers may save via Virtual Pag-IBIG, at any Pag-IBIG Fund branch or through any of our authorized collecting partners’ outlets or online payment channels.
Employed members who wish to top-up or add to their monthly membership savings may do so through their employers or by saving through the above payment channels.
Yes! Save more and earn higher dividends with your Pag-IBIG Regular Savings by increasing your monthly savings. The more you save, the higher dividends you get!
If you are employed, top-up or add to your monthly membership savings through your employer by submitting the "Request for Upgrading of Savings" form. You may also top-up your savings via Virtual Pag-IBIG, at any Pag-IBIG Fund branch or through any of our authorized collecting partners’ outlets or online payment channels.
If you are self-employed or an Overseas Filipino Worker, you may top-up your Pag-IBIG Regular Savings anytime using the above payment channels.
Pag-IBIG Fund sets aside at least seventy percent (70%) of its annual net income and credits it proportionately to its members' Pag-IBIG Savings as dividends. This means that the more you save, the higher dividends you shall earn.
In 2021, despite the challenges of the pandemic to our economy, the Pag-IBIG Regular Savings earned a dividend rate of 5.5%.
The Pag-IBIG Fund Housing Loan allows you to borrow up to P6 million under very low rates and at the friendliest terms, to help you fulfill your dream of owning a home!
You may use the Pag-IBIG Housing Loan to finance any one or a combination of the following:
- Purchase of a fully developed residential lot or adjoining residential lots not exceeding 1,000 square meters;
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Purchase of a residential house and lot, townhouse or condominium unit;
- Pre-owned or brand-new units,
- A property mortgaged with Pag-IBIG Fund; or
- Adjoining house and lots / townhouses / row houses / condominium units.
- Construction or completion of a residential unit on a residential lot owned by the borrower or a relative of the borrower;
- Home improvement; and
- Refinancing of an existing housing loan, provided, that the borrower must be regularly paying the amortizations of the said loan without any payment made beyond thirty (30) days past due for the last six (6) months from the date of application.
You must have the following to qualify for the loan:
- At least twenty-four (24) monthly membership savings (a lump sum payment of the required monthly membership savings is allowed);
- Age of not more than sixty-five (65) years at the date of application and not more than seventy (70) years at maturity of the loan;
- Legal capacity to encumber real property;
- Ability to pass satisfactory background / credit and employment / business checks of Pag-IBIG Fund;
- No outstanding Pag-IBIG Short-Term Loan (STL) in arrears at the time of the loan application;
- No Pag-IBIG Housing Loan that was foreclosed, cancelled, bought back due to default, or subjected to dacion en pago.
- If with an existing Pag-IBIG Housing Loan as a principal buyer / borrower or co-buyer / co-borrower, the account must be updated.
You can borrow up to as much as P6 million. The amount you may borrow, however, shall be based on the lowest of the following:
- Your actual need;
- Your desired loan amount;
- Your loanable amount based on your capacity to pay; and,
- Loan-to-Appraised Value ratio
You can easily apply for a Pag-IBIG Housing Loan by submitting your duly accomplished form and its requirements at any Pag-IBIG Fund branch, or through the accredited partner-developer from whom you shall purchase your property.
You may also take the first step in applying for a loan by visiting Virtual Pag-IBIG (www.pagibigfundservices.com/virtualpagibig), clicking the Apply for or Manage Loans tab and choosing Apply for a Housing Loan.