How To Apply For Pag IBIG Housing Loan in 2019 - 8 Steps

10/31/2019 How to Apply for Pag IBIG Housing Loan in 2019: 8 Steps
How to Apply for Pag-IBIG Housing Loan: An

Ultimate Guide
Last Updated on 10/07/2019
For a lot of Filipinos who are already way past the infatuation phase, Pag IBIG only means one
thing:
Housing loan.
Or more accurately, a key to escape the monthly grind of paying rent and making one’s landlord
richer.
The problem, however, is not that we don’t know Pag IBIG housing loan exists.
Rather, most Filipinos are too scared or too intimidated to ask the right questions that they end
up putting off their plans of having their own property.
As a result, an estimated 2.7 million Filipinos still don’t have a place they can call their own
(Philippine Statistics Authority, 2010).
If you don’t want to be a statistic, there’s no better time to apply for a Pag IBIG housing loan
than now.reg
Table of Contents
What is a Pag IBIG housing loan?
https://filipiknow.net/pag-ibig-housing-loan/ 1/48
Pag IBIG Housing Loan vs. Bank Housing Loan: What’s the Difference?
How to Apply for Pag IBIG Housing Loan: A 8-Step Guide to Getting Approved.
1. Know your purpose for applying for the Pag IBIG housing loan.
2. Choose the Pag IBIG housing loan program that matches your current income level.
a. Affordable Housing Loan Program.
b. Regular Housing Loan Program.
3. Check if you’re eligible to apply for the Pag IBIG housing loan.
4. Complete all the Pag IBIG housing loan requirements.
Required Fees and Documents (Upon Loan Application).
Required Fees and Documents (Prior to Loan Release).
5. Submit all housing loan requirements to Pag IBIG.
Option 1: Online Application.
Option 2: Over-the-Counter Application.
6. Wait for the approval of your Pag IBIG housing loan.
7. Claim your check/loan proceeds at the Pag IBIG Fund.
8. Start paying your monthly amortization.
a. Payment through post-dated checks (PDCs).
b. Payment through salary deduction.
c. Other modes of payment.
Tips and Warnings.
Frequently Asked Questions.
1. How much will Pag IBIG deduct from my salary if my housing loan is approved?
2. What is a fixed pricing period?
3. I haven’t decided on which property to buy yet. Can Pag IBIG provide assistance?
4. Can I avail of the housing loan even if I still have an outstanding loan with Pag IBIG?
5. Can a Pag IBIG member apply for multiple/additional housing loans?
6. How many co-borrowers can I have?
7. What is the loan-to-value ratio?
8. How much can I borrow from Pag IBIG housing loan?
9. How long does it take for my Pag IBIG housing loan to be approved?
10. How can I apply for a Pag IBIG housing loan if I’m an OFW?
11. Can I make a lump-sum payment to reach the required 24 monthly contributions for Pag-
IBIG housing loan?
What is a Pag IBIG housing loan?

The Pag IBIG Fund, also known as the Home Development Mutual Fund (HDMF), was
established on June 11, 1978, by virtue of Presidential Decree No. 1530 to serve the two basic
needs of Filipino workers:
a national/government savings program; and
affordable housing/shelter financing.

In other words, Pag IBIG isn’t just a government agency you go to if you want to secure a
housing loan.
It’s also a good alternative to a bank because the money you put in your Pag IBIG savings earns
higher interest (4-5% versus 1% per annum offered by most banks) over time.
Your Pag IBIG savings also serve as collateral that will qualify you not just for housing loan but
also for other Pag IBIG products like calamity and multi-purpose loans.
Pag IBIG actually stands for “Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at
Gobyerno.”
In a nutshell, the Pag IBIG fund enables the four sectors of the society (i.e., the
borrower/member, the bank, the industry, and the government) to collaborate in developing a
savings scheme that ultimately provides Filipinos with an affordable way to own a house.
Such is the effectiveness of the Pag IBIG Fund in providing ordinary Filipinos with the means to
build or own their own houses that then-President Gloria Macapagal-Arroyo signed into law the
Home Development Mutual Fund Law of 2009.
Through the said law, Pag IBIG membership has become mandatory for all Filipino workers
whether hired by a local or foreign employer.
Pag IBIG Housing Loan vs. Bank Housing Loan: What’s the
Difference?
In building their dream house or buying a property, Filipinos usually count on two housing loan
providers: Pag-IBIG Fund and banks.
Each provider has its pros and cons. Your final decision should be based on your own criteria.
However, priority should be given on factors that matter more like qualifications, loanable
amount, interest rate, loan term, and miscellaneous fees.
Qualifications: Pag IBIG only offers housing loans to its members. Most banks, on the other
hand, don’t require borrowers to be a member or a savings account holder in order to qualify
for their housing loans, provided that the applicant can present a proof of income and/or
employment.
Minimum wage earners are more likely to get rejected when applying for bank housing loans.
After all, banks are still businesses and they have the prerogative to reject your application if
you can’t prove you’re capable of paying off your loans.
Pag IBIG, by contrast, have an Affordable Housing Loan Program specifically designed to give
low-income earners the chance to have their own house.
Loanable amount: Borrowers under the Affordable Housing Loan Program can avail of housing
loans up to Php 750,000 while regular applicants with above-average income can borrow up
to Php 6 million.
Banks, meanwhile, have an average minimum loanable amount of Php 300,000. For both
housing loan providers, the final loanable amount depends on several factors or criteria set by
the provider itself.
Interest rate: Those who are availing of Pag IBIG housing loans enjoy lower interest rates: as
low as 3% for low-income earners and 5.375% (from the previous 5.5%) for regular housing
loan borrowers in a 1-year fixed pricing period.
For this reason, Pag IBIG housing loan can now compete with banks which offer housing loans
with a similar interest rate of 5.5% for the first year (e.g. Metrobank and BDO) and up to 6.50%
for a 3-year fixed pricing period.
Moreover, Pag IBIG isn’t allowed by law to increase its interest rate beyond 2% per annum. By
contrast, banks don’t have a ceiling on the interest rate.
Loan term: In Pag IBIG, borrowers can choose how long they’ll pay off their housing loan, with
30 years as the maximum loan period. Banks offer loans with a repayment period ranging from
20 to 25 years, depending on the purpose of the loan.
Miscellaneous fees: Pag IBIG guarantees applicants they will not be charged with other fees
other than the Php 1,000 to be paid during application and another Php 2,000 before loan
release.
Depending on your bank, fees may include an appraisal fee of up to Php 4,000, a handling fee of
Php 5,000, a notarial fee of Php 500 as well as doc stamps tax and registration fee.
Since you’re reading this article, it’s safe to assume that you’re leaning more towards Pag IBIG
housing loan.
The best part of being a Pag IBIG member is you get to keep all your contributions into your
own savings account.
Even if you don’t avail of the housing loan, your money can potentially earn a lot of dividends
over the years. The money will stay in your account until you decide to withdraw your savings at
the end of the membership period which is 20 years.
How to Apply for Pag IBIG Housing Loan: A 8-Step Guide

to Getting Approved.
This guide is written with the assumption that you’re already a member of the Pag IBIG fund. If
you’re not one yet, register now so you can avail of the Pag IBIG housing loan and enjoy other
member-exclusive benefits.
You should also be aware that there are two modes of applying for the Pag IBIG housing loan:
Developer-Assisted where the developer helps you in the application; and
Retail in which the member applies for the housing loan on his/her own.
The procedures below are intended for the “Retail” applicants who want to avail of the housing
loan unassisted.
1. Know your purpose for applying for the Pag IBIG housing loan.
Contrary to popular belief, a Pag IBIG housing loan isn’t only used to finance the construction of
a new house.
The loan can support you financially if you’re planning to do one of the following:
Buy a fully-developed residential lot or adjoining residential lots not exceeding 1,000 sq.m.
Buy a residential house and lot, condominium unit, or townhouse (inclusive of the parking
lot). The property can be new, old/pre-owned, an acquired asset of the Pag-IBIG Fund, or
adjoining houses and lot/condominium units/rowhouses/townhouses.
Build or construct a residential unit on a residential lot owned either by you or a relative.
Give your home a major repair or overhaul. Take note that Pag-IBIG offers two options to
finance home improvement. The Pag IBIG housing loan is intended for homes that need
more serious and costly repairs. For minor home improvement or renovation, you can avail
of the Pag IBIG Multi-Purpose Loan instead.
Refinance an existing housing loan provided that the institution where you borrowed the
money is acceptable to Pag IBIG and that your account is updated at least 1 year upon
application as supported by official receipts and a Statement of Account.
Pag IBIG also allows borrowers to avail of the housing loan for a combination of the above-
mentioned purposes. However, the combinations are only limited to the following:
Buy a fully-developed lot not exceeding 1,000 sq.m. + Build a residential unit on the said lot.
Buy a residential unit (old or new) + Home improvement.
Refinance an existing housing loan or mortgage + Home improvement.
Refinance an existing loan for the purchase of a lot + Build a residential unit on the same lot.
Lastly, Pag IBIG can also finance one or more of the loan purposes as well as the transfer of the
title. The combinations are only limited to the following:
Buy a residential unit + Transfer of title to the borrower.
Buy a residential unit + Home improvement + Transfer of title to the borrower.
Buy a residential lot + Transfer of title to the borrower.
Buy a residential lot + Build or construct a house/residential unit + Transfer of title to the
borrower.
2. Choose the Pag IBIG housing loan program that matches your
current income level.
Unlike banks in the Philippines, Pag IBIG Fund offers two programs tailored to the borrower’s
capacity to pay:
a. Affordable Housing Loan Program.

This is exclusively offered to low-income or minimum wage earners with a gross monthly
income not exceeding Php 17,500.
In this program, qualified applicants can borrow up to Php 750,000 and enjoy a lower interest
rate and minimum monthly payment. For instance, applicants who got approved for a Php
450,000 housing loan can pay less than Php 2,000 every month with an interest rate of only 3%
for the first five years.
b. Regular Housing Loan Program.

This is for applicants with above-average gross monthly income. Under this program, qualified
applicants can borrow up to Php 6 million with an interest rate of as low as 5.375% (one-year
fixed pricing period).
To determine how much you can borrow from the Regular Housing Loan Program, Pag IBIG
uses the following criteria:
Your actual need.
Your desired loan amount.
Your current income which suggests your capacity to pay.
The loan-to-appraised value ratio.
After determining the value of each criterion above, Pag IBIG will pick the lowest value and
declare it the loanable amount.
Alternatively, you can also use the Pag-IBIG Fund Housing Loan Affordability Calculator which
gives you an estimate of how much you can borrow based on your income, fixed pricing period,
estimated value of the property, and your preferred repayment term.
Note, however, that the online calculator is only used as a guide. The actual loanable amount will
vary depending on the results of Pag IBIG’s evaluation.
The Pag IBIG housing loan program is available to anyone with the following qualifications:
a. A Pag IBIG Fund member with 24 months worth of contributions at the time of application.
New members who have been paying contributions for at least 12 months can also complete
the required amount of contributions through lump-sum payment.
Members who have contributed for at least two years and whose housing loans exceed Php
500,00 will be required to pay the upgraded membership contribution rates upon approval of
the said loan and onwards.
Related Article: Pag-IBIG Contribution Table (with Detailed Computations and Explanations)
b. Not more than 65 years old at the time of loan application and not more than 70 years old at
loan maturity.
Remember, the maximum loan period is 30 years.
For senior applicants, your loan period is determined by how close your age is to the maximum
age of 70. For example, if you’re 50 years old at the time of application, your maximum loan
period is only 20 years because you’ll be turning 70 by the time the period ends.
c. With a legal capacity to acquire the property.
d. Has passed the background checks (credit/employment/business, etc.) conducted by the

Pag IBIG Fund.
e. Has no outstanding Pag IBIG multi-purpose or calamity loan either as principal borrower or

co-borrower.
f. No previous Pag IBIG housing loan that ended up with the borrower’s property being
foreclosed, brought back to default, canceled, or surrendered (dación en pago).
g. If with existing Pag IBIG housing loan, either as principal borrower or co-borrower, it must be
updated (READ: Can a Pag IBIG member apply for multiple/additional housing loans?)
4. Complete all the Pag IBIG housing loan requirements.
Applicants must submit two sets of fees and requirements–one during the loan application and
another upon or prior to loan release.
Required Fees and Documents (Upon Loan Application).

a. Processing fee (non-refundable) of Php 1,000 and appraisal fee of Php 2,000.
A fee of Php 1,000 will also be charged for every re-evaluation or re-filing of housing loan
application.
b. Duly accomplished Housing Loan Application Form with recent ID photo of the principal
borrower or co-borrower (if applicable).
c. Proof of income.
For Employed, bring ANY of the following:
Notarized Certificate of Employment and Compensation (CEC) showing your gross monthly
income, allowances, or monetary benefits.
Income Tax Return for the year prior to the date of loan application with attached BIR Form
No. 2316, received and stamped by the BIR.
Any certified 1-month payslip from the last three months prior to the date of the loan
application. If you’re a government employee, the payslip must be submitted with CEC or
ITR.
For Self-Employed, bring ANY of the following:
Income Tax Return (ITR), Audited Financial Statements, and Official Receipt of tax payment
from the bank supported with Mayor’s Permit/Business Permit and DTI Registration.
Commission vouchers issued within the last 12 months and showing the issuer’s name and
contact details.
If your income comes from pensions, foreign remittances, etc., a copy of bank statements or
passbook for the last 12 months.
If your income comes from rental payments, a copy of the Lease Contract and Tax
Declaration.
Certified True Copy of Transport Franchise issued by the authorized government agency like
the LGU for tricycles and LTFRB for other PUVs.
Certificate of Engagement issued by the business owner.
Other documents that can validate or prove your source of income.
For Overseas Filipino Workers (OFW), bring any of the following:
Employment Contract (Employment Contract between employer and the employee or

POEA Standard Contract).
Certificate of Employment and Compensation (CEC). This CEC can be in the form of a
document signed by the employer (for household staff and other similar employees) and
supported by the employer’s passport or ID. A CEC written on the company/employer’s
official letterhead is also accepted.
Income Tax Return filed with the OFW’s host country or government. If written in a foreign
language, an English translation is required.
d. Photocopy (front and back) of one valid ID of the principal borrower and spouse, co-
borrower and spouse, seller and spouse, owner of the title (for accommodation mortgage), and
developer’s authorized representative/Attorney-in-Fact, if applicable.
The following is a list of valid government-issued IDs accepted by Pag IBIG Fund:
Company ID
Passport (Philippine or foreign)
Professional Regulation Commission (PRC) ID
Driver’s License
Government Service Insurance System (GSIS) eCard
Social Security System (SSS) Card
Integrated Bar of the Philippines (IBP) ID
Government Office and GOCC ID (e.g. AFP ID, Pag-IBIG

Loyalty Card)
Overseas Workers Welfare Administration (OWWA) ID
Senior Citizen Card
Overseas Filipino Worker (OFW) ID
Postal ID
Seafarer’s Identification and Record Book (SIRB)
Voter’s ID
e. Latest Certified True Copy of the Transfer Certificate of Title (TCT). If you’re applying for a
loan to purchase a condominium unit, present TCT of the land and a Certified True Copy of the
Condominium Certificate of Title (CCT).
f. Photocopies of the updated Tax Declaration (house and lot) and Real Estate Tax Receipt.
g. Vicinity map or sketch of the property.
i. Additional Requirements (if applicable only).
For Purchase of Lot/Residential Unit.
Contract-to-Sell or similar agreement between the buyer and seller.
For Purchase of Lot with Construction of House (PLCH).
Contract-to-Sell or similar agreement between the buyer and seller.
Building Plans, Specification with Bill of Materials duly signed by the

Licensed Civil Engineer or Architect.
For Purchase of Properties from a Developer/Association/Corporation.
License to Sell (applicable to the Developer only).
Secretary’s Certificate on the Authorized Signatory of the

Developer/Corporation/Association.
One (1) valid ID of the Corporate Secretary and Authorized Signatory of the
Developer/Corporation/ Association (Photocopy, back-to-back).
For Construction of House/Home Improvement.
Building Plans, Specification with Bill of Materials duly signed by the Licensed Architect or
Civil Engineer. This requirement is to ensure that the loan will be used by the borrower for the
intended purpose and not for something else like investing in a business, buying a car, etc.
For Accommodation Mortgage.
Building Plans, Specification with Bill of Materials duly signed by the Licensed Architect or
Civil Engineer.
Notarized SPA for Accommodation Mortgagor.
For Refinancing.
Latest Statement of Account on Outstanding Loan Balance duly signed by the manager or
the account officer.
Either of these two documents: Subsidiary Ledger or Official Receipt for the past 12 months
(or any valid proof of payment).
For Refinancing with Construction of House/Home Improvement.
Latest Statement of Account on Outstanding Loan Balance duly signed by the manager or
Either of these two documents: Subsidiary Ledger or Official Receipt for the past 12 months
(or any valid proof of payment).
Building Plans, Specification with Bill of Materials duly signed by the Licensed Civil Engineer
or Architect.
For OFW Pag IBIG Fund members.
Special Power of Attorney notarized either by a Philippine Consular Officer or a notary in the
country where you’re working. The SPA should be authenticated by the Philippine Consulate.
Any or a combination of the following documents (written in or translated into the English
language): Valid OWWA Membership Certificate; Payslip indicating income received and the
period covered; Professional License issued by Host Country/Government; Residence
card/permit (permit to stay indicating work as the purpose); Overseas Employment
Certificate; Passport with appropriate visa (Working Visa); Bank remittance record.
Insurance Coverage.
Health Statement Form (Medical Questionnaire) for borrowers over 60 years old or those
60 years old or younger whose loans are over Php 2 million to Php 6 million.
For OFWs over 60 years old, a Health Statement Form (Medical Questionnaire) along with a
copy of the medical examination result as required by the employment agency and
conducted before you flew overseas.
Required Fees and Documents (Prior to Loan Release).

a. Php 2,000 upon loan take-out (to be deducted from loan proceeds).
Additional fees (if applicable):
Php 1,000 (to be deducted from the final loan release) for every inspection in excess of four
inspections for accounts with staggered releases (e.g., home construction or improvement).
A handling fee of Php 2,000 for every additional check issued for split payment of loan
proceeds.
b. TCT/CCT in the name of the borrower/co-borrower/s (if applicable) with proper mortgage
annotation in favor of Pag-IBIG Fund (Owner’s Duplicate Copy).
c. TCT/CCT in the name of the borrower/co-borrower/s (if applicable) (Certified True Copy) with
proper mortgage annotation in favor of Pag-IBIG Fund (RD’s copy).
d. Updated Tax Declaration (House and Lot) and Updated Real Estate Tax Receipt (photocopy)
in the name of the borrower/co-borrower/s, if applicable.
Note: For refinancing, you will only need a photocopy of the updated Real Estate Tax Receipt.
e. Loan Mortgage Documents (to be provided by Pag IBIG upon loan approval):
Loan and Mortgage Agreement duly registered with Registry of Deeds with original RD
stamp (HQP-HLF-162/163).
Duly accomplished/notarized Promissory Note (HQP-HLF-086/087).
Disclosure Statement on Loan Transaction (HQP-HLF-085).
f. Additional Requirements (if applicable only).
Surety bond (for properties that are subject to the lien imposed by Section 4 Rule 74 of the
Rules of Court).
Collection Servicing Agreement with Authority to Deduct Loan Amortization or Post Dated
Checks, if applicable.
For Purchase of Lot/Residential Unit.
Deed of Absolute Sale duly registered with Registry of Deeds with original RD stamp.
For Purchase of New Residential Unit only.
Occupancy Permit.
For Purchase of Lot with Construction of House (PLCH) only.
Occupancy Permit.
Building Plans/Electrical/Sanitary Permits duly approved by the building

officials.
For Construction of House/Home Improvement.
Occupancy Permit.
Building Plans/Electrical/Sanitary Permits duly approved by the building officials.
For Refinancing.
Updated Statement of Account on Outstanding Loan Balance duly signed by the Manager or
For Refinancing with Construction of House/Home Improvement.
Updated Statement of Account on Outstanding Loan Balance duly signed by the Manager or
Occupancy Permit.
Building Plans/Electrical/Sanitary Permits duly approved by the

building officials.
Updated Tax Declaration (House) in the name of the borrower/ co-borrowers.
5. Submit all housing loan requirements to Pag IBIG.

There are two ways to do this: through online scheduling or by applying over the counter at the
nearest Pag IBIG branch.
Option 1: Online Application.

Through the Online Housing Loan Application (OHLA), applicants can schedule an appointment
with a Pag IBIG branch office for the submission of their application forms and documentary
requirements.
The advantage of securing an appointment online is Pag IBIG will provide a special lane for you
at the office and prioritize your application over regular walk-in applicants.
To make an appointment, you need to be a Pag IBIG member with a Membership ID (MID) or
Registration Tracking No. (RTN).
If you already have one, then go to the OHLA website.
Select “Click here to Apply” and log in with your Pag IBIG MID/RTN, first name, last name, and
the captcha code provided.
Fill out the online application form with the requested information which includes:
Loan information like the purpose of the loan, mode of payment, desired loan term, desired
re-pricing period, etc.
Personal information like your e-mail address, cell phone number, homeownership, years of
stay in present home address, occupation, years in employment or business, number of
dependents, gross monthly income, etc.
Preferred Pag IBIG branch office where you’ll submit the application form and housing loan
requirements.
Once you’re done, click “Submit.”
You will then receive a reference number or Housing Loan Application Tracking Number via
text message. Pag IBIG will also send you through e-mail the schedule of your appointment,
address of the Pag IBIG office, and the Pag IBIG Fund contact person you’ll be transacting with.
Online appointment is ideal for applicants from the NCR/Metro Manila. If you live in the
provinces where Pag IBIG offices are less likely to be overcrowded, choose the next option
below.
Option 2: Over-the-Counter Application.

All applicants are required to file their Pag IBIG housing loan applications personally at:
For NCR/Metro Manila applicants: Servicing Department, 2/F JELP Business Solutions, 409
Shaw Blvd., Mandaluyong City; or at any Pag-IBIG branch offices.
For provincial applicants: Pag-IBIG branch office nearest you.
Here are the things you should expect to accomplish upon arriving at the Pag IBIG branch
office:
1. Submit two copies of the application form and the rest of the documentary requirements to
any of these counters: Members Services Support Division-Servicing Department, Loans
Origination-Housing Business Center, or Members Services Branch.
2. Pay the required processing and appraisal fees (see the list of requirements in step 4) plus the
lump sum payment of membership savings (if applicable) at the Cash-Collection Division-
Loans Support Services Department/Members Services. Don’t forget to get the Pag IBIG Fund
Receipt.
3. Submit the receipt to the Members Services Support Division-Servicing Department/Loans

Origination-Housing Business Center/Members Services Branch servicing counter which will
then give you the Housing Loan Application Acknowledgement Receipt (HLAAR).
6. Wait for the approval of your Pag IBIG housing loan.
Pag IBIG will notify you regarding the status of your housing loan application within 17 days.
In case you get denied, you’ll receive a Notice of Disapproval (NOD) along with your loan
documents.
If your application is approved, expect a call from Pag IBIG informing you when you can pick up
the Notice of Approval (NOA) and Letter of Guaranty (LOG).
Let’s summarize the procedures you’ll go through after getting approved:
a. Receive the Notice of Approval (NOA) and Letter of Guaranty (LOG).
Take note that LOG is not applicable to housing loans intended for house construction or home
improvement.
Only the borrower can receive the NOA. For OFWs who can’t make it home to personally
receive the NOA, Pag IBIG can release it to the authorized representative/Attorney-in-Fact
provided that there’s a notarized Special Power of Attorney (SPA).
b. Sign your loan documents.
After receiving the NOA and LOG from the Pag IBIG, go straight to the Members Services
Support Division-Servicing Department/Loans Origination-Housing Business Center/Members
Services Branch servicing counter.
There, a Pag IBIG officer will discuss your loan obligations as well as the terms and conditions
of the following loan documents:
Disclosure Statement on Loan Transaction (DSLT)
Loan and Mortgage Agreement (LMA)
Promissory Note (PN)
Once you’ve fully understood their content, affix your signature to these documents. If you’re
borrowing with your spouse or a co-borrower, both of you need to sign the documents.
c. Complete your NOA requirements for check release.
At this point, the only thing standing between you and the release of Pag IBIG housing loan is
the list of requirements in the Notice of Approval.
The complete NOA requirements must be submitted within 90 days or else you won’t get the
check and receive a Notice of Deficiency instead.
All documentary requirements must be notarized at the place or city where they are executed.
The process of completing the NOA requirements vary depending on the purpose of the
housing loan. To give you an idea, please check out the following checklists:
For Purchase of Lot/Condominium Unit/House & Lot.
Give the LOG to the seller.
Proceed to the BIR for payment of Capital Gains Tax and Documentary Stamp Tax. The BIR
will issue Certificate Authorizing Registration.
Proceed to the Local Government Unit (LGU) for payment of Transfer Tax.
Proceed to the Registry of Deeds (RD) for the transfer of the title and annotation of
mortgage.
Proceed to the LGU for the transfer of Tax Declaration.
Submit complete requirements to Pag IBIG Fund.
For Purchase of House and Lot Mortgaged with Pag IBIG Fund.
Proceed to the BIR for payment of Capital Gains Tax and Documentary Stamp Tax. The BIR
will issue Certificate Authorizing Registration.
Proceed to the Local Government Unit (LGU) for payment of Transfer Tax.
Go to the Pag IBIG office to schedule a trip to the Registry of Deeds (RD) for transfer of title
and annotation of mortgage.
Proceed to the LGU for transfer of Tax Declaration.
For the Construction of House/Home Improvement.
Proceed to the BIR for payment of Documentary Stamp Tax.
Proceed to the Registry of Deeds (RD) for annotation of the mortgage.
For Refinancing.
Proceed to the bank/financing institution to give the Letter of Guaranty (LOG) and Loan and
Mortgage Agreement (LMA).
Proceed to the Registry of Deeds (RD) for annotation of the mortgage.
Submit complete Requirements to Pag IBIG Fund.
7. Claim your check/loan proceeds at the Pag IBIG Fund.
Once the check is available for pick-up, you’ll get another call from Pag IBIG.
To claim the check/loan proceeds, present 2 valid IDs (see step 4 for a list of valid IDs accepted
by Pag IBIG) at the Cash-Disbursement Division-Loans Support Services
Department/Members Services Branch.
The check can only be released to the borrower or any one of the following:
An authorized representative provided that he/she submits a notarized Special Power of

Attorney (SPA) and 2 valid IDs each of the principal borrower and the
representative/Attorney-in-Fact.
The seller, if the loan purpose is one of the following: Purchase of Residential Unit, Lot
Purchase, or Purchase of Lot and Construction of House.
The borrower will also be required to bring 12 PDCs (post-dated checks) if the payment is not
through salary deduction (see next step for more information).
8. Start paying your monthly amortization.

Amortization is defined as the process of spreading out a loan (in this case, a Pag IBIG housing
loan) into a series of fixed payments over time.
Basically, it refers to the monthly payments that you’ll make for the next coming months and
years to pay off the Pag IBIG housing loan.
There are different ways to pay your monthly amortization:
a. Payment through post-dated checks (PDCs).

If you choose this, you need to issue and submit 12 post-dated checks to the Pag IBIG Fund
upon loan release. These checks will cover 1-year monthly amortization.
Get the Acknowledgment Receipt (AR).
Return to the Pag IBIG upon consumption of the 10 PDCs (exclusive of the remaining 2) to issue
another 12 checks.
Always claim and keep the receipts from Pag IBIG each time you issue a check.
b. Payment through salary deduction.

If you opt for amortization payment via salary deduction (as most Filipino employees do), you
need to submit Authority to Deduct to the Billing Division/Accounts Management and Billing
Department/Loans Management and RecoveryHousing Business Center/Members Services

Branch.
Upon loan takeout, an equivalent of one-month amortization will be deducted from the loan
proceeds.
c. Other modes of payment.

Auto debit arrangement with banks.
Accredited collection partners.
Payment to an accredited developer with a Collection Servicing Agreement with the Pag
IBIG Fund.
Other methods of payment that Pag IBIG Fund may implement in the future.
Tips and Warnings.

a. While we try our best to answer all possible questions in this guide, you should also be on the
lookout for the latest schedules of Pag IBIG Housing Loan orientation program on their
Facebook page.
In this program, which is conducted several times a year in specific Pag IBIG branches and
venues, you can address your concerns directly to the Pag IBIG personnel.
b. Just like when you’re applying for a credit card, your credit score may also be reviewed during
the evaluation of your Pag IBIG housing loan application.
A credit score contains vital personal information as well as your past financial transactions
with banks and lending institutions.
Make sure your credit score is up-to-date, accurate, and isn’t tarnished by unpaid debts. You
can secure a free copy of your credit score from the Credit Information Corporation (CIC) or
any of its accredited credit bureaus.
c. Don’t go to Pag IBIG empty-handed. Before applying for a housing loan, you should already
have saved up at least 20% of the property’s value for the down payment.
The higher the down payment you can afford to pay, the more likely your housing loan
application will get approved. It can also lower your interest rate, monthly mortgage, loan-to-
value ratio, and loan term.
d. For the employed, the key to getting approved is to show you have a solid employment
history. Job hopping and gaps in your employment history may be seen as red flags.
Employment tenure means income stability and capability to pay off your housing loan.
e. If you’re afraid you might not be qualified due to insufficient income, convince someone with
a regular job and good credit history to take you as a co-borrower.
Pag IBIG allows a principal borrower to share the housing loan with up to two co-borrowers
who can be a relative or not.
f. Carefully assess your current income and determine how much of it you can set aside for the
monthly amortization. Ideally, the loan amount shouldn’t exceed your three-year salary while
your mortgage or monthly amortization shouldn’t go beyond 20-30% of your gross monthly
income.
Use the Pag IBIG’s housing loan affordability calculator to help you estimate the loan amount
and monthly amortization based on your income and other factors.
Frequently Asked Questions.
1. How much will Pag IBIG deduct from my salary if my housing loan
is approved?
2. What is a fixed pricing period?
3. I haven’t decided on which property to buy yet. Can Pag IBIG

provide assistance?
4. Can I avail of the housing loan even if I still have an outstanding

loan with Pag IBIG?
5. Can a Pag IBIG member apply for multiple/additional housing

loans?
6. How many co-borrowers can I have?
7. What is the loan-to-value ratio?
8. How much can I borrow from Pag IBIG housing loan?
9. How long does it take for my Pag IBIG housing loan to be

approved?
10. How can I apply for a Pag IBIG housing loan if I’m an OFW?
11. Can I make a lump-sum payment to reach the required 24

monthly contributions for Pag-IBIG housing loan?
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FilipiKnow strives to ensure each article published on this website is as accurate and reliable as
possible. We invite you, our reader, to take part in our mission to provide free, high-quality
information for every Juan. If you think this article needs improvement, or if you have
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80 thoughts on “How to Apply for Pag-IBIG Housing Loan:

An Ultimate Guide”
Nerrizza P. Eleccion says:
09/25/2019 at 9:37 am
Hi. May gusto akong bahay na for sale sa isang subdivision. Pwede ko ba ito i-apply sa pag
ibig housing loan? If yes, how?
Reply
Gordo says:
08/23/2019 at 12:30 am
Hello,
Yung check ba, hindi makukuha hanggang hindi nababayaran ang cgt/transfer title to buyer?
Yung pang gastos kasi sa transfer eh sa loan sana kukunin kasi walang pera.
Reply
Arjei says:
08/20/2019 at 11:13 am
Na-approve kame ng housing loan nung July 12, kaya start na kame ng hulog ng Aug 12. nag
initial inspection kame ng bahay ng July 19 at sabi may final inspection pa daw para icheck if
nagawa pa ung mga pinabago/sira/kulang nung initial inspection. Until now, Aug 20, malipas
ang mahigit isang buwan wala parin balita sa developer. Sabi nung Engr ng developer na
kasama namen nung initial inspection, ung mga pinto daw ng mga kwarto papalitan pa dahil
di daw talga un ang pinto. un lang nilagay para pag nag inspect si PAG IBIG eh kumpleto. Sabi
ng developer madami daw take out kaya natatagalan. Kaso sayang ung pera if
nangungupahan ka lang tapos akala mo makakalipat ka na para isa nalang babayaran na

bahay. Ndi po ba dapat pag take out na ready na talga ung bahay?
Reply
orlando supan says:

08/19/2019 at 3:25 pm
I am ofw here in Doha Qatar.

Working in japanese Embassy since 17 years
And i like to try Renovation loan to pag ibig.pls.help me what is need.good for me if online
transaction
Thanks.
Reply
Rowena says:
1.
08/20/2019 at 2:18 pm
I want to know if I can apply any pag-ibig branches in the Philippines for a house renobation
loan turn into a business building,while the property is in zamboanga del sur.
Reply
Jon says:
08/02/2019 at 12:09 pm
Good day, totoo po ba na may minimum lot area na “28 square meter” para sa construction
loan and other housing loan options?
Reply
Des says:
08/02/2019 at 10:27 am
Good day. Paano po ba mag avail ng foreclosed houses ng Pag ibig? Ano po mga
procedures ang kinakailangan para makapag avail po. Salamat po.
Reply
Bella says:
1.
09/12/2019 at 12:59 am
For foreclosed property sa pagibig idadaan po nila sa bidding but u have to go in pagibig to
ask about the availability area or location.
Reply
Gady says:
08/01/2019 at 10:54 pm
Sir tanong lng po ako. May housing loan q worth 571k with an interest of 6.375 per annum
payable for 10 years. nakahulog na ako ng mga more than 5months po. Ngayon, gusto ko na
po bayaran kasi nagkaroon na ako ng pera po. Ang babayaran ko na lng po b yong
outstanding balance lng ba? Hnd na po ba kasama yong interest for 10 years na nakschedule
ng pagbayad ko po?
Reply
Karl John G.avellaneda says:

07/29/2019 at 4:42 pm
I want to buy a 1000 sqr meter lot and also build a house .. is it possible to loan?
Reply
Yan C. says:
07/25/2019 at 1:12 pm
If someone who had a problem / outstanding credit with banks, will they allow applying for
PAG-IBIG Loan?
Reply
Shirley says:
07/19/2019 at 2:40 pm
Good day!
Ask ko lng po, paano PO ba mapadali Ang PG apply o pagkuha Ng mga vacant unit here in
Cavite. Bale matagal na namin ini inquire Ang unit (a year na) kaso till now ay Wala parin SA
listing Ng for sale or auction.. bale naipadlock na xa Ng Pag ibig staff.. kaso almost 1year na
Wala parin..
May nakuha kaming info dito na kelangan daw tirahan na nmin agad (squatan) para kmi Ang
priority at SA Amin mapabigay ung letter of recommendation or referral to purchase .. Tama
PO bang hakbang yon? Wala PO bang kaso yon? sigurado nman PO kaming kukunin namin
at kng maaari NGA ah maicash na para mas mababa siguro presyo. Kng iaapraised po ay
almost flooring at dingding nlng pkinabang, Wala na mga pintuan cr at kusina,Wala na
lababo at toilet bowl.
Please help me give a complete details para SA tamang gawin. Thanks in advance!
Reply
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Jay Kenneth says:

07/10/2019 at 5:13 pm
My collateral po bah etong pag ibig housing loan?
Reply
Bella says:
1.
09/12/2019 at 2:34 am
As far as I know Sir, walang collateral pero some other housing loan like mga high end unit
pagbig needs a co-borrower. It could be a relative or friends with good credit history.
Reply
Robert says:
07/03/2019 at 10:00 pm
Goodeve may sinalo po ako n bahay sa Eastwood sub NASA 400k pa po ung balance pwed
q po b? Ito e loan sa pag ibig kahit d pa sakin pangalan deed of sale lang hawak q
Reply
Risa Dumaran says:

07/03/2019 at 8:52 am
Good day, employed po ako on a private company with a minimum wage..Gusto ko po sana
mag apply for housing loan, never pa ako nag loan sa pag ibig..Maka avail po ba ako? Single
mom po kasi ako and I’m planning to buy a lot, and the same time planning to build a new
home.
Reply
FilipiKnow says:
07/03/2019 at 9:02 am
Yes, you can avail of the Affordable Housing Loan from Pag-IBIG. See step 2 for more
details.
Reply
Anna says:
1.
10/24/2019 at 9:04 am
Good day
tanong lg po pwd po ba maka apply nang housing long kung eh parepair lg yung bahay?
FilipiKnow says:
10/24/2019 at 9:13 am
Yes, but it depends on the extent of the repair your house needs. From the article: “The Pag
IBIG housing loan is intended for homes that need more serious and costly repairs. For minor
home improvement or renovation, you can avail of the Pag IBIG Multi-Purpose Loan
instead.”
Lorna Rodriguez says:

06/12/2019 at 6:34 am
Good day po. Pwede po b iapply s pag ibig pg bibili po ng lote lang? And halimbawa po
worth 150k ilang yrs to pay po un my title nman po ung lote. salamat.
Reply
Edsel says:
06/10/2019 at 11:11 am
Developers are excluding Pagibig Loans as option for payment. I think it’s not right that
members will choose properties based on developers which allow Pagibig loans only. I
though it should be that buyer will choose the property he wants and have all the loan
options and Pagibig should always be in that option no matter which developer. Am I right?
Reply
ram says:
06/06/2019 at 4:19 pm
hi ask ko lang po matagal po ba talaga pumirma s ng cheque for loan take out si PAG IBIG?
kase may loan take out na po kami nung May 29 pa sabi po ng developer wala pa daw pong
sign..
Reply
George Sabang says:

05/30/2019 at 3:07 am
Good day!
May lot po ako na may titulo. Plano ko po sana na maghousing construction loan sa pag ibig.
May buliding plans na po etc. Kailangan po ba na mag construct muna ng 20% sa plano bago
mag apply sa pag ibig?
Reply
Joanna says:
05/29/2019 at 6:18 pm
Hi! What if wala pa akong ITR kasi kakastart ko palang magwork as freelancer? Pwede na ba
ako mag-apply sa Pag-IBIG as a voluntary member? Thanks!
Reply
Tintin says:
05/28/2019 at 6:05 pm
Paano po mag apply sa Pag ibig housing loan, Lupa lang po kasi ang gusto namin bilhin. Ano
pong mga requirements?
Reply
Van says:
05/22/2019 at 12:35 am
Hi. Hindi po ba kino-consider yung monthly incentives sa gross monthly income? Tyaka pano
po if 1 year in-house financing po yung term of payment then gusto ko sana siya ilapat sa
pagibig ngayon, need ko pa din po mag downpayment? Please help po.
Reply
Roy says:
05/18/2019 at 4:24 pm
Our application had passed more than 20 days. all documents were submitted. And my wife
with SPA emailed pag ibig for follow up. She received (cc email status) a follow up email
reply. the email contained this information; to check where the folder and prioritize if for
“CIBI”.
What is “CIBI”? could these guys use a term that clients would understand. or simply spell out
the “CIBI” so that the cc email would make sense to the applicant?
Thanks and hoping for your good response on this inquiry.
Reply
FilipiKnow says:
05/19/2019 at 7:09 am
CIBI is an acronym for Credit Information Bureau, Inc., the office responsible for
collecting/gathering information from prospective borrowers. Pag-Ibig will use data from
CIBI such as your credit score/history to assess whether you’ve been a responsible borrower
in your past financial transactions.
Reply
Aybi Garcia says:

05/14/2019 at 10:13 am
Hi, Hope all is well. My aunt is planning to buy a house and lot thru Pag Ibig Housing Loan. She
is single and wants me to inherit the property once she’s gone. She wants me to be included
in the legal documents (title, etc.). My question is what if due to unforeseen circumstances,
she dies early and the loan is not yet fully paid, will I be liable for the remaining balances? If
yes, what if I do not have the capacity to pay? What are my options? Thank you so much in
advance. God bless and more power!
Reply
Myrna De Guzman says:

05/04/2019 at 1:39 am
Grateful that you all took the time to gather all the data and processes in obtaining different
types of Loan in PAG-IBIG. This site is informative and very helpful.
I’m 51 years and never knew what PAG-IBIG stands for: “Pagtutulungan sa Kinabukasan:
Ikaw, Bangko, Industriya at Gobyerno.”
Again, with much appreciation and gratitude. Thank you for doing this for our “kababayans”.
More power to your group. Saludo ako sa inyong lahat.
Reply
FilipiKnow says:
05/04/2019 at 6:22 am
You’re welcome. Thanks for appreciating our efforts.
Reply
Jane says:
05/03/2019 at 3:57 pm
If in case my housing loan gets approved,,pano po icocomputeyung 20% na down payment?

Let’s just say na 2 million yung iloloan ko and the value of the land na imo mortgage ko is
200k? Magkano na po yung babayaran ko? Thanks
Reply
Leigh Gordon says:

05/02/2019 at 10:20 pm
Hello po, ask ko lang po. Meron akong binabayaran na lote sa banko right now. Gusto ko po
sanang e transfer sa pay- ibig for longer term. I just found out na member po pala ako ng
pag-ibig. But I never got a chance give my contribution. Di ko po alam kong anong nangyari
nong nag apply ako sa US pa. Now I am very interested na e continue ang membership ko. I
just turned 60 this April 16, 2019. Ano po ang dapat kong gawin at saan ako dapat mag
apply? Your reply is very much appreciated. Thank you.
Reply
Leigh Gordon says:

1.
05/02/2019 at 10:23 pm
Sorry po, I meant pag-ibig, not pay-ibig. Please reply po. I really need your assistance. Thank
you.
Reply
Petrush Macute says:

04/30/2019 at 9:04 am
I am a recipient of Pag-ibig’s generous Housing Program. i am your avid fan and advocate. i
always teel my friends to avail of your Housing Loan. a friend of mine is a freelance writer, not
an employee. what documents would he need to secure? to apply for a housing loan. salamat
for the reply.
Reply
FilipiKnow says:
04/30/2019 at 9:14 am
Please check the list of requirements above. Since he’s doing freelance work, he is
considered “Self Employed.”
Reply
Anne Rizchelle S.Prologo says:

04/30/2019 at 4:28 am
Once naapproved po ba ang housing loan nmin,magkano po ang ibabayad nmin sa pagibig
for example 1.5M kailangan po ba naming magdown 20% sa pagibig upon approval?at ung
monthly nman po khit estimated lng salamat po.
Reply
Day Cabantac says:

04/22/2019 at 12:38 pm
Hello po. Ang sabi po dito and even sa Pag-ibig website 17 days lang daw ang processing ng
housing loan or at least may feedback na sa result ng application. Nag-apply kami last March
12, pero hanggang ngayon wala pa ding advise sa amin. Tumawag na din ako sa Pag-ibig,
wala pa daw. Nakakalungkot, ang tagal maghintay. 🙁
Reply
FilipiKnow says:
04/22/2019 at 1:08 pm
Sinabi po ba kung ano ang reason ng delay? Sorry po pero wala po kaming magagawa.
Reply
Day Cabantac says:

1.
04/22/2019 at 1:41 pm
ang sabi lang, for CI pa daw, marami din daw kasing signatory. Sana hindi na lang nila
nilalagay na 17 days processing lang may results na.
Ask ko na din po, sa acquired assets po kasi yung kinukuha naming house and lot. sabi sa
website ng Pag-ibig, ang mga kailangan bayarang muna at ang 1,000 na reservation fee,
2,000 para sa processing fee at 100 para sa documentary stamps. Pero pinagbayad na din
kami ng mga advanced insurance for 1 year. Umabot ng almost 8,000 + ang binayaran
namin. Sa website naka indicate dun na magbabayad lang kami ng mga insurance na iyon
kapag, approved na ang application loan namin.
Rusty Cayetano says:

1.
07/26/2019 at 12:43 am
Kumusta na loan mo?
Reply
cath says:
04/22/2019 at 8:51 am
Ano ano po ba ang requirements, in case of: may lupa na ako pero wala pa akong bahay, nais
ko po sana magpatayo ng sariling bahay, is it consider as house construction?
Reply
FilipiKnow says:
04/22/2019 at 1:08 pm
Yes po.
Reply
Arlene says:
04/05/2019 at 3:21 pm
Hello , po sa lahat miron akung nabayad sa pag-ibig 2016 tapos gusto ko po sanang ituloy
yung ayaw na nila akung payagan mag umpisa naman daw ako uli sayang naman yung
nabayad ko ofw kasi ako at yrly ang bayad ko pina check ko sa anak ko kaya nalaman ko ang
problema ko sa pag ibig ko t’wing bakasyun lang ako nakabayad sa pag ibig at ngayun gusto
ko sanang ituloy ayaw nila yun nga umpisa naman daw
Reply
Socorro Eclarinal says:

04/05/2019 at 3:01 pm
How long bago malalaman if approved pag ibig housing loan ng member? Thank you
Reply
Estelita Payapag says:

1.
07/20/2019 at 6:44 pm
Hello po paano po kapag 300k lang po ang hihiramin para magpaayos ng bahay.. Okey lang
po ba Yun.. Thank you po
Reply
Grace says:
03/25/2019 at 2:30 pm
Good afternoon po.
Meron pong ibinebenta samin na residential na sa kasalukuyan ay tinitirahan na nmin dahil

nung una po ay naisangla na sa amin, pero dahil sa wala naman na maipambabalik ang may
ari nung property (as inherittance *wala pang subdivided ng land title) ay pinatutuluyan na
nilang ibenta sa amin. Gusto po sana naming magloan thru pagibig ng aking kapatid
papayagan po ba kaming makapagloan kung sakaling maiprovide lamang sa amin ay Deed
of Sale? Salamat po sa tutugon.
Reply
John Michael Cruz says:

03/25/2019 at 10:58 am
Hi,
We are planning to avail housing construction loan,

we can provide all requirements (building plan,bom,etc).
Bago ba ma release yung money, they need to see that the construction is on-going?
may nabasa kasi ako ibang guide ganun daw yung process.
Reply
FilipiKnow says:
03/25/2019 at 11:17 am
@John Michael Cruz
According to Pag-IBIG, building plans lang po ang kailangan. All information posted here
came from Pag-Ibig. If you want to ask additional questions, I suggest go to the nearest Pag
IBIG branch.
Reply
Mina says:
1.
07/25/2019 at 3:33 am
Hello. Good Day po. We are also planning to avail yung housing construction loan, ang main
concern ko lang po is yung bahay is under my sister’s name. I am the one who will apply for
the loan. Will they accept pa din po ba yung application ko? Thanks.
Babylyn Betangcor says:

03/24/2019 at 11:21 pm
How about to apply pagibig house paano nalalaman kung legit ang pag apply sa office or
kakilala lang paano ko malalaman kung pagibig housing ito?
Reply
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Ellaine says:
03/20/2019 at 10:50 am
e. Has no outstanding Pag IBIG multi-purpose or calamity loan either as principal borrower
or co-borrower.
Hi po. I have existing salary loan? Need pa ba matapos ang salary loan before ma approve sa
housing loan? Regular payment naman po sa salary loan.
Reply
FilipiKnow says:
03/20/2019 at 11:14 am
@Ellaine
Hindi po puwede hangga’t hindi bayad ang salary loan nyo. Kung another housing loan po
yan, may chance po kayo sana na maqualify to apply for another housing loan.
Pakibasa na lamang po ito: https://filipiknow.net/pag-ibig-housing-loan-with-existing-loan/
Reply
Analyn salazar says:

1.
06/06/2019 at 9:44 am
Maaprub po kaya ng pag ibig kung ang house construction loan ay apartment ang
ippagawa?
Madeline says:
1.
03/22/2019 at 10:38 am
Hello my tanong ako ng apply kmi sa lumina tpus nbyaran na nmin lahat . Pa process nlng po
thru pag ibig ng early retirena po yung husband ko sa company pano po namin ma continue
ang pag ibig yung housing namin sa lumina?
Reply
Mr.DeCastro says:
03/19/2019 at 12:37 pm
Yun pobang gross monthly income is Family income(husband+wife) or individual lang? pano
po kung malaki sa individualloan yun e LLOAN pero kaya naman po sana if husband and wife
income..parheo po kaming OFW ng akn maybahay.
Reply
Eliza arcangel says:

03/18/2019 at 5:23 pm
Hiwalay ako sa asawa and kailangan ng pirma nya and valid id along sa application paano
kung hindi ko alam kung nasaan na syA kasi wala kami communication what are my options
Reply
FilipiKnow says:
03/18/2019 at 6:02 pm
@Eliza arcangel
Pumunta po kayo sa pinakamalapit na PAG-Ibig branch at magtanong.
Reply
Liezl says:
03/16/2019 at 7:10 am
For the construction of house na loan kasama ba na ma.loan ko ang amount na buo? I mean
materials and bayad sa pagpapagawa?
Reply
JOe says:
03/12/2019 at 4:37 pm
Gud day. I want to buy a townhouse, pero naka loan pa sa pag ibig. Pwede ko b diretso iloan
na hindi na ilalabas title and refinance for higher price
Reply
Reia says:
1.
03/18/2019 at 10:06 pm
Nagapply po kmi ng house construction loan kaso may problema daw po ang land title. Dun
sa part ng technical details… Di raw maclose ung sa survey pa tawag doon? Namumublema
kmi kc napasimulan na namin ang construction and mejo malaki na ang nagastos. Paano
nlng po kaya.
Reply
Reia says:
1.
04/25/2019 at 9:12 am
Same with us. Yung 13.17 naging 13.77. Typographical error ng encoder. We had to go to the
Bureau of Lands para pagawan ng certification na mali ung technical description.
Kakasubmit lng namin nung certification. Hopefully wala na additional na hihingin.
Ma.veil grutas says:
03/12/2019 at 4:03 pm
Nagapply po ung asawa ko sa housing loan renovation.di po sya naaprubahan sabi ng taga
pagibig may oustanding loan pa kame.kailangan pa raw tapusin ung oustanding loan.sayang
po ung 3k na binayad namin di po na refund.
Member po ako ng pagibig employee for 10yrs.gusto ko po sana ako na lang po ang mag
apply for renovation ng bahay namin.pwede po ba ako.
Baka di po ako maaprubahan sayang na naman po ung 3k ibayad ko.
Sana matulungan nyo po ako.
Para matapos na po ang renovation ng bahay namin.
Salamat po.God Bless po….
Reply
FilipiKnow says:
03/12/2019 at 4:08 pm
@Ma.veil grutas
Hindi po talaga maaapprove kung may outstanding loan pa kayo, regardless if you’re the
principal borrower or co-borrower.
Reply
Deuter says:
03/10/2019 at 1:38 pm
Hi, is a pag-ibig loan also possible for lots / condos under pre-selling? (i.e. no TCT / CCT yet,
only contract to sell) What are the financing options for properties not yet turned over by the
developer but we are already paying amortization for now?
Reply
Mechelle Capangpangan says:

03/09/2019 at 9:40 pm
Paano po mag apply at hindi ko pa po na try kung allowed po ba akong mag apply for
housing loan,, Thank u n God bless you po
Reply
FilipiKnow says:
03/09/2019 at 9:57 pm
@Mechelle Capangpangan
Hindi ko po alam kung ano po exactly ang katanungan nyo pero kung wala po sa article
above ang sagot sa katanungan nyo, maaari po kayong pumunta sa pinakamalapit na Pag-
Ibig branch at doon magtanong tungkol sa housing loan.
Reply
Sofronio Baccol Jr says:

1.
04/10/2019 at 10:39 pm
Pag voluntary member po puwidi ba mag housing loan?
Gene says:
03/07/2019 at 6:51 pm
Hello
Just want to ask if ung multi purpose loan mo is na offset against sa TAV would it affect my
approval in my housing loan?
Thank you so much!
Reply
Ryan erik abilar says:

03/07/2019 at 1:05 pm
Will my eligibility for a housing loan be affected or rejected if I have an existing and
outstanding salary loan in a private bank? I am afraid to try applying for a housing loan
because of this. I might fail because of the credit checks that Pagibig does before approving
a housing loan.
The bank or salary loan I have has been unpaid for years now.
Thanks.
Erik
Reply
FilipiKnow says:
03/07/2019 at 1:40 pm
@Ryan erik abilar
Unfortunately, one of the eligibility requirements for Pag-Ibig housing loan is this: “Has
passed the background checks (credit/employment/business, etc.) conducted by the Pag
IBIG Fund.”
In other words, your chances of getting approved are slim, given that you have an unpaid
bank loan.
Reply
Dreamer says:
03/02/2019 at 9:10 pm
Sa experience ko the more na matagal years to pay the more malaki interest ng pagibig. At
parang 4 months lang ata na delayed bayad mo mailalagay na sa collections agency account
mo. Alam naman nating malaki problema natin sa pabahay at mahirap ang bansa natin
,mahirap trabaho ,paghahanap pera hindi parati pasko, parang hindi nakatulong ang
programa.nakapag labas ka lang malaki pera tapos mareremata lang.
Reply
Maan Garcia says:

02/26/2019 at 11:27 am
Good day ,can i loan house and lot and lot at the same time. it has different Title. The lot is
beside the house and lot , Same seller. Thank you
Reply
ARNOLD SANJUAN MORALES says:

01/30/2019 at 3:17 pm
i am a security guard of almost 6 years in minimum salary here in palawan pawnshop here in
palawan, and my wife is an OFW can i avail housing loan. i want to fully paid my existing
balance of my lot associatioin under social housing authority to get my tittle and also to
continue to finish my house. can i avail housing loan pagibig
Reply
FilipiKnow says:
01/30/2019 at 6:56 pm
@ARNOLD
Yes, you can apply to refinance an existing housing loan. Pwede kang magavail ng
Affordable Housing Loan program for minimum wage earners. Please read the article for
more info.
Reply
jean gulane says:
01/03/2019 at 11:31 am
good day!i am a current ofw in oman and im planning for a housing loan wen i get back
home..am i qualified for that loan…i had a salary loan before way back 2012 now maybe
offset…thank you
Reply
Rachel Rebucan says:

11/09/2018 at 1:14 am
Thank you for the information Pag ibig.. Me and my husband will plan for it so that we will
have a house on our own…
Reply
FilipiKnow says:
11/09/2018 at 7:14 am
@Rachel Rebucan
You’re welcome. We’re glad to be of help. We’ll add more information in the FAQ section so
don’t forget to bookmark this article. Good luck!
Reply
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How To Apply For Pag IBIG Housing Loan in 2019 - 8 Steps

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How To Apply For Pag IBIG Housing Loan in 2019 - 8 Steps

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10/31/2019 How to Apply for Pag IBIG Housing Loan in 2019: 8 Steps

How to Apply for Pag-IBIG Housing Loan: An

Last Updated on 10/07/2019

What is a Pag IBIG housing loan?

What is a Pag IBIG housing loan?

a national/government savings program; and

affordable housing/shelter ﬁnancing.

How to Apply for Pag IBIG Housing Loan: A 8-Step Guide

Developer-Assisted where the developer helps you in the application; and

Buy a residential unit (old or new) + Home improvement.

Reﬁnance an existing housing loan or mortgage + Home improvement.

Buy a residential unit + Transfer of title to the borrower.

Buy a residential unit + Home improvement + Transfer of title to the borrower.

Buy a residential lot + Transfer of title to the borrower.

a. Affordable Housing Loan Program.

b. Regular Housing Loan Program.

Your actual need.

Your desired loan amount.

Your current income which suggests your capacity to pay.

The loan-to-appraised value ratio.

Remember, the maximum loan period is 30 years.

c. With a legal capacity to acquire the property.

d. Has passed the background checks (credit/employment/business, etc.) conducted by the

e. Has no outstanding Pag IBIG multi-purpose or calamity loan either as principal borrower or

4. Complete all the Pag IBIG housing loan requirements.

Required Fees and Documents (Upon Loan Application).

For Employed, bring ANY of the following:

For Self-Employed, bring ANY of the following:

Certiﬁcate of Engagement issued by the business owner.

Other documents that can validate or prove your source of income.

For Overseas Filipino Workers (OFW), bring any of the following:

Employment Contract (Employment Contract between employer and the employee or

Passport (Philippine or foreign)

Professional Regulation Commission (PRC) ID

Government Service Insurance System (GSIS) eCard

Social Security System (SSS) Card

Integrated Bar of the Philippines (IBP) ID

Government Ofﬁce and GOCC ID (e.g. AFP ID, Pag-IBIG

Overseas Workers Welfare Administration (OWWA) ID

Senior Citizen Card

Overseas Filipino Worker (OFW) ID

Seafarer’s Identiﬁcation and Record Book (SIRB)

g. Vicinity map or sketch of the property.

i. Additional Requirements (if applicable only).

For Purchase of Lot/Residential Unit.

Contract-to-Sell or similar agreement between the buyer and seller.

For Purchase of Lot with Construction of House (PLCH).

Contract-to-Sell or similar agreement between the buyer and seller.

Building Plans, Speciﬁcation with Bill of Materials duly signed by the

For Purchase of Properties from a Developer/Association/Corporation.

License to Sell (applicable to the Developer only).

Secretary’s Certiﬁcate on the Authorized Signatory of the

For Construction of House/Home Improvement.

For Accommodation Mortgage.

Notarized SPA for Accommodation Mortgagor.

For Reﬁnancing with Construction of House/Home Improvement.

For OFW Pag IBIG Fund members.

Required Fees and Documents (Prior to Loan Release).

Additional fees (if applicable):

e. Loan Mortgage Documents (to be provided by Pag IBIG upon loan approval):

Duly accomplished/notarized Promissory Note (HQP-HLF-086/087).

Disclosure Statement on Loan Transaction (HQP-HLF-085).

f. Additional Requirements (if applicable only).