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IMPLEMENTING GUIDELINES ON THE GOOD PAYOR INCENTIVE PROGRAM (Pag-IBIG Cir. 229)
MODIFIED GUIDELINES OF THE “ABOT-KAMAY PABAHAY” PROGRAM(Pag-IBIG Cir. 233) (September 24, 2007) (How to apply)
The Pag-IBIG housing loan may be used to finance any one or a combination
of the following:
Purchase of a fully developed lot not exceeding one thousand square
meters (1,000 sq. m.), which should be within a residential area;
"GABAY PABAHAY" PROGRAM (Pag-IBIG Cir. 218)
These Consolidated Guidelines on the Pag-IBIG Housing Loan Restructuring Program, otherwise known as "Gabay Pabahay", seek to assist Pag-IBIG borrowers preserve their properties from foreclosure or cancellation of Contract to Sell by providing them with the opportunity to restructure their accounts for the following purposes:
- To update or fully pay delinquent accounts, wherein the borrowers shall have the option to shorten or lengthen the term of the loan.
AMENDED GUIDELINES AND PROCEDURES ON DACION EN PAGO (Pag-IBIG Cir. 217)
These Consolidated Guidelines on the Pag-IBIG Housing Loan Restructuring Program, otherwise known as "Gabay Pabahay", seek to assist Pag-IBIG borrowers preserve their properties from foreclosure or cancellation of Contract to Sell by providing them with the opportunity to restructure their accounts for the following purposes:
- To update or fully pay delinquent accounts, wherein the borrowers shall have the option to shorten or lengthen the term of the loan.
AMENDED GUIDELINES ON THE “MAGAANG PABAHAY, DISENTENG BUHAY” PROGRAM (Pag-IBIG Cir. 232)
In celebration of the National Shelter Month in October and in compliance with Memorandum Circular 112 of the President dated 7 September 2006, the Pag-IBIG Fund shall implement the “Magaang Pabahay, Disenteng Buhay” Program in order to achieve the following objectives:
To afford employees in the public sector as well as the other members of the Fund the requirements of decent human settlement;
RENT-TO-OWN PROGRAM
The Program aims to institute a mechanism through which the HDMF shall further expedite the recovery of its investments in non-performing mortgage loans, and provide Pag-IBIG members, whose current income cannot sustain the monthly amortization on a Pag-IBIG housing loan, with a facility that will provide affordable housing, and ensure home ownership by the time they become eligible for such loan.
AMENDED POLICIES AND GUIDELINES ON THE DISPOSITION OF REAL AND OTHER PROPERTIES OWNED OR ACQUIRED (ROPOA) (Pag-IBIG Cir. 200)
To ensure recovery of HDMF's housing investments through effective marketing and prompt disposition of ROPOAs.
IMPLEMENTING GUIDELINES ON THE SUBSTITUTION/ REPLACEMENT OF CTS ACCOUNTS(Pag-IBIG Cir. 206)
These guidelines shall apply to all CTS accounts, subject to the following conditions:
CTS accounts in default that are covered by the Buyback and Back-up Guarantee of the developer;
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