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Pag-IBIG Fund offers the following programs and services:

ISKOLAR NG Pag-IBIG PROGRAM

PROVIDENT/SAVINGS BENEFIT  (How to apply)

The program offers its members a fast, easy and affordable way of saving for their future needs.

Pag-IBIG HOUSING BONDS 

The Pag-IBIG Housing Bonds (2007) are bonds issued by the Home Development Mutual Fund to finance its housing loan program. It has a term of five (5) years and one(1) day.

The Development Bank of the Philippines (DBP) is the Facility Agent/Trustee Bank.

  • Notice of Housing Bonds Maturity
  • Information Memorandum


    • Lending Programs

    1. PROVIDENT LOAN
    1.1 SHORT TERM LOAN (How to apply)

    The loan may be used for the following purposes:

    The Program provides financial assistance to Pag-IBIG member-victims in calamity-stricken areas.

    PENALTY CONDONATION FOR DELINQUENT EMPLOYERS (HDMF Circular No. 263)(June 29, 2009)
    2. HOUSING LOAN

    2.1 Retail

    a. GUIDELINES IMPLEMENTING THE PAG-IBIG FUND SOCIALIZED AND LOW-COST HOUSING LOAN RESTRUCTURING AND PENALTY CONDONATION PROGRAM (HDMF Circular No. 248) (June 11, 2009)

    b. PAG-IBIG FUND END-USER HOME FINANCING PROGRAM (Pag-IBIG Cir. 247, Guidelines) (April 23, 2009)

    c. "ABOT-KAMAY PABAHAY” PROGRAM (Pag-IBIG Cir. 243, Amended Guidelines)

    d. GOOD PAYOR INCENTIVE PROGRAM (Pag-IBIG Cir.  229, Implementing Guidelines)

    e. "GABAY PABAHAY" PROGRAM (Pag-IBIG Cir. 218)

    f.“MAGAANG PABAHAY, DISENTENG BUHAY” PROGRAM (Pag-IBIG Cir. 232, Amended Guidelines ) - The implementation of this program is extended until 30 September 2009

    g. RENT-TO-OWN PROGRAM  

    h. DISPOSITION OF REAL AND OTHER PROPERTIES OWNED OR ACQUIRED (ROPOA) (Pag-IBIG Cir. 200, Amended Policies and Guidelines)

    i. SUBSTITUTION/ REPLACEMENT OF CTS ACCOUNTS (Pag-IBIG Cir. 206, Implementing Guidelines)

     
    2.2 Wholesale Lending

    Amended Omnibus Guidelines Implementing the Pag-IBIG Takeout Mechanism under the Developers’ CTS/REM Scheme (HDMF Circular No. 259) (April 24, 2009)

    Revised Guidelines on the Housing Receivables Financing Facility (HDMF Circular No. 258) (April 24, 2009)

    Amended Guidelines on House Construction Financing Line (HDMF Circular No. 257) (April 24, 2009)

    Amended Guidelines of the Pag-IBIG City Program (HDMF Circular No. 256) (April 24, 2009)

    Revised Guidelines of the Pag-IBIG Program for the Development of Medium/High-Rise Condominium Building (MHRB) Projects in Metro Manila and Highly Urbanized Cities (HDMF Circular No. 255) (April 24, 2009)

    Amended Implementing Guidelines For The Pag-Ibig Developmental Housing Loan Program For Local Government Units (HDMF Circular No. 254) (April 24, 2009)

    Amended Guidelines Implementing HDMF Direct Developmental Loan Program (HDMF Circular No. 253) (April 24, 2009)

    Implementing Guidelines on the Disposal of Pag-IBIG Fund Real and Other Properties Owned or Acquired (ROPOAs) through Joint Venture (HDMF Circular No. 246) (April 24, 2009)

    Revised Omnibus Guidelines Implementing The Pag-Ibig Takeout Mechanism Under The Developers’ Cts/Rem Scheme(Pag-IBIG Fund Circular No. 237)

    Pag-IBIG TAKEOUT MECHANISM UNDER THE DEVELOPERS' CTS/REM SCHEME (Cir. 212)

    a. DEVELOPMENT OF MEDIUM/HIGH-RISE CONDOMINIUM BUILDING (MHRB) PROJECTS IN METRO MANILA AND HIGHLY URBANIZED CITIES (Pag-IBIG Cir. 227)

    b. Pag-IBIG CITY PROGRAM

    c. CREDIT FACILITY FOR PRIVATE DEVELOPERS

    d. GLAD PROGRAM

    e. FCL COVERED BY DOMESTIC LETTER OF CREDIT

    f. Pag-IBIG HOMES DIRECT FINANCING PROGRAM

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