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GUIDELINES IMPLEMENTING THE PAG-IBIG INTEREST SUBSIDY PROGRAM FOR SOCIALIZED HOUSING LOAN BORROWERS (HDMF Circular No. 267) (July 30, 2009)

The Pag-IBIG Interest Subsidy Program aims:
1. To provide members of the Fund with ample opportunities to improve their quality
of life;
2. To make the Pag-IBIG end-user housing loan program more affordable for lowincome
borrowers;
3. To promote home ownership by providing financial support to the program’s
intended beneficiaries.

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

The “Pag-IBIG Fund Socialized and Low-Cost Housing Loan Restructuring and Penalty Condonation Program”, hereinafter referred to as the “Program”, seeks to achieve the following objectives:
1. Assist delinquent borrowers/installment buyers to preserve their properties from foreclosure or cancellation of Contract to Sell by providing them the opportunity to update or restructure their accounts under affordable terms.
2. Provide relief to delinquent borrowers/installment buyers in this time of financial crisis through condonation of accumulated penalties and a portion of accumulated interest.
3. Provide a non-interest bearing scheme for the remaining unpaid interests spread equally during the term of the restructured loan.

GUIDELINES ON THE PAG-IBIG FUND END-USER HOME FINANCING PROGRAM (HDMF Circular No. 247) (April 23, 2009)

These guidelines shall apply to the following:
1. All accounts taken out beginning 1 April 2009 and onwards.
2. All accounts with proceeds not yet fully released as of 1 April 2009, except
for accounts with retention due to lacking requirements.

• Frequently Asked Questions on Good Payor Incentive Program

"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:

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.

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