Own your dream home in just 6 easy steps with the Pag-IBIG Fund Housing Loan.
Borrow up to P6 million at our lowest-ever interest rates.
Read more below and learn how to own your dream home with the Pag-IBIG Fund Housing Loan!

☑  Active member with least 24 months savings
☑  Not more than 65 years old at the date of loan application and is not more than 70 years old at the date of loan maturity
☑  Legal capacity to acquire and encumber real property
☑  No Pag-IBIG housing loan foreclosed, cancelled, bought back, or voluntarily surrendered
☑  If with existing Pag-IBIG Housing account or Short Term Loan (STL), payments must be updated
☑  Purchase (plus cost of transfer) of residential lot or adjoining residential lots (max 1,000 sq.m.)
☑  Purchase (plus cost of transfer) of residential house & lot, townhouse or condominium unit (old or brand new, property mortgaged w/ the Fund, adjoining houses/units) inclusive of a parking slot
☑  Construction of house
☑  Improvement of house
☑  Refinancing of an existing housing loan
☑  Combined Loan Purposes
FROM BORROWER
☑  Housing Loan Application with recent ID photo of borrower/co-borrower (if applicable) (2 copies, HQP-HLF- 068/HQP-HLF- 069)
☑  Proof of Income

  • For Locally Employed

    Proof Of Income For Locally Employed (any of the following):

    • Certificate of Employment and Compensation (CEC), indicating the gross monthly income and monthly allowances or monthly monetary benefits received by the employee (1 original copy) duly signed by the authorized signatory of the employer. For system generated CEC, the signature of authorized signatory of the employer must be reflected in the said CEC.
    • Latest Income Tax Return (ITR) for the year immediately preceding the date of loan application, with attached BIR Form No. 2316, duly acknowledged by the BIR or authorized representative of employer. (1 photocopy)
    • One (1) Month Payslip, within the last three (3) months prior to date of loan application with name and signature of the authorized signatory of employer. (1 certified true copy)

      NOTE: For government employees who will be paying their loan amortization through salary deduction, the original copy of one (1) Month Paylsip, within the last three (3) months prior to date of loan application, must be submitted together with CEC or ITR as mentioned above.

  • For Self-employed

    Proof Of Income For Self-employed (any of the following):

    • ITR, Audited Financial Statements, and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit
    • Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months)
    • Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances, pensions, etc.)
    • Copy of Lease Contract and Tax Declaration (if income is derived from rental payments)
    • Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for other PUVs)
    • Certificate of Engagement issued by owner of business
    • Other document that would validate source of income
  • For Overseas Filipino Workers (OFW)

    Proof Of Income For Overseas Filipino Workers (OFW)
    (any of the following):

    • Employment Contract:
      • Employment Contract between employee and employer; or
      • POEA Standard Contract
    • Notarized Certificate of Employment and Compensation (CEC)
      • CEC written on the Employer/Company’s official letterhead; or
      • CEC signed by employer (for household staff and similarly situated employees) supported by a photocopy of the employer’s ID or passport
☑  One (1) valid ID (Photocopy, back-to-back) of Principal Borrower and Spouse, Co-Borrower and Spouse, Seller and Spouse and Developer’s Authorized Representative and Attorney-In-Fact, (if applicable)
FROM SELLER (and/or BORROWER)
☑  Transfer Certificate of Title (TCT) (latest title, Certified True Copy). For Condominium Unit, present TCT of the land and Condominium Certificate of Title (CCT) (Certified True Copy).
☑  Updated Tax Declaration (House and Lot) and Updated Real Estate Tax Receipt (photocopy
☑  Vicinity Map/Sketch Map leading to the Property subject of the loan
  For Purchases through Pag-IBIG Accredited
  Developers
☑  Housing Loan Application with recent ID photo of borrower/co-borrower (HQP-HLF- 068/HQP-HLF- 069),
2 copies
☑  One valid ID (photocopy back-to-back) of the applicable parties:
»  Principal Borrower
»  Co-borrower
»  Developer's Authorized Representative and Attorney-in-Fact
»  Spouses of the parties involved, if applicable
☑  Borrower's Conformity (HQP-HLF-108), notarized
☑  Proof of Income

☑  Other Applicable Requirement
»  For OFW Members
•  Special Power of Attorney (SPA) notarized prior to date of departure. For OFW member abroad, a SPA notarized by a Philippine Consular Officer, or SPA notarized by a local notary (of the country where the member is working) but duly authenticated by the Philippine Consulate.
•  The Fund may also require any or combination of the following documents:
- Payslip indicating income received and period covered
- Valid OWWA Membership Certificate
- Overseas Employment Certificate
- Passport with appropriate visa (Working Visa)
- Residence card/permit (permit to stay indicating work as the purpose)
- Bank remittance record
- Professional License issued by Host Country/Government
Note: If documents are in foreign language/s, English translation is required.
»  Insurance Coverage
•  Health Statement Form (Medical Questionnaire)
- For borrowers over 60 years old
- For borrowers up to 60 years old, if loans is over P2.0M to P6.0M
•  Health Statement Form (Medical Questionnaire) and Copy of the result of medical examination conducted prior to assignment overseas as required by the employment agency
- For OFW borrowers over 60 years old
  Purchase of Lot/Residential Unit
☑  Housing Loan Application with recent ID photo of borrower/co-borrower (HQP-HLF- 068/HQP-HLF- 069),
2 copies
☑  One valid ID (photocopy back-to-back) of the applicable parties:
»  Principal Borrower
»  Co-borrower
»  Seller
»  Developer's Authorized Representative and Attorney-in-Fact
»  Spouses of the parties involved, if applicable
☑  Proof of Income

☑  Transfer Certificate of Title (latest title, Certified True Copy)
☑  For condominium: present TCT of the land and Condominium Certificate of Title (Certified True Copy)
☑  Updated Tax Declaration (H&L or Lot, whichever is applicable)
☑  Updated Real Estate Tax Receipt (photocopy)
☑  Contract-to-Sell or smiliar agreement between buyer and seller
☑  Vicinity Map/Sketch of the Property
☑  Other Applicable Requirement
»  For OFW Members
•  Special Power of Attorney (SPA) notarized prior to date of departure. For OFW member abroad, a SPA notarized by a Philippine Consular Officer, or SPA notarized by a local notary (of the country where the member is working) but duly authenticated by the Philippine Consulate.
•  The Fund may also require any or combination of the following documents:
- Payslip indicating income received and period covered
- Valid OWWA Membership Certificate
- Overseas Employment Certificate
- Passport with appropriate visa (Working Visa)
- Residence card/permit (permit to stay indicating work as the purpose)
- Bank remittance record
- Professional License issued by Host Country/Government
Note: If documents are in foreign language/s, English translation is required.
»  Insurance Coverage
•  Health Statement Form (Medical Questionnaire)
- For borrowers over 60 years old
- For borrowers up to 60 years old, if loans is over P2.0M to P6.0M
•  Health Statement Form (Medical Questionnaire) and Copy of the result of medical examination conducted prior to assignment overseas as required by the employment agency
- For OFW borrowers over 60 years old
»  For Properties purchased from developers, corporations, or associations
•  License to Sell (Applicable to 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)
  House Construction/Home Improvement
☑  Housing Loan Application with recent ID photo of borrower/co-borrower (HQP-HLF- 068/HQP-HLF- 069),
2 copies
☑  One valid ID (photocopy back-to-back) of the applicable parties:
»  Principal Borrower
»  Co-borrower
»  Owner of Title (if accommodation mortgage)
»  Spouses of the parties involved, if applicable
☑  Proof of Income

☑  Transfer Certificate of Title (latest title, Certified True Copy)
☑  For condominium: present TCT of the land and Condominium Certificate of Title (Certified True Copy)
☑  Updated Tax Declaration (H&L or Lot, whichever is applicable)
☑  Updated Real Estate Tax Receipt (photocopy)
☑  Building Plans, Specification with Bill of Metrials duly signed by the Licensed Civil Engineer or Architect
☑  Vicinity Map/Sketch of the Property
☑  Other Applicable Requirement
»  For OFW Members
•  Special Power of Attorney (SPA) notarized prior to date of departure. For OFW member abroad, a SPA notarized by a Philippine Consular Officer, or SPA notarized by a local notary (of the country where the member is working) but duly authenticated by the Philippine Consulate.
•  The Fund may also require any or combination of the following documents:
- Payslip indicating income received and period covered
- Valid OWWA Membership Certificate
- Overseas Employment Certificate
- Passport with appropriate visa (Working Visa)
- Residence card/permit (permit to stay indicating work as the purpose)
- Bank remittance record
- Professional License issued by Host Country/Government
Note: If documents are in foreign language/s, English translation is required.
»  Insurance Coverage
•  Health Statement Form (Medical Questionnaire)
- For borrowers over 60 years old
- For borrowers up to 60 years old, if loans is over P2.0M to P6.0M
•  Health Statement Form (Medical Questionnaire) and Copy of the result of medical examination conducted prior to assignment overseas as required by the employment agency
- For OFW borrowers over 60 years old
»  For Properties purchased from developers, corporations, or associations
•  License to Sell (Applicable to 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)
  Purchase of Lot with House Construction
☑  Housing Loan Application with recent ID photo of borrower/co-borrower (HQP-HLF- 068/HQP-HLF- 069),
2 copies
☑  One valid ID (photocopy back-to-back) of the applicable parties:
»  Principal Borrower
»  Co-borrower
»  Spouses of the parties involved, if applicable
☑  Proof of Income

☑  Transfer Certificate of Title (latest title, Certified True Copy)
☑  Updated Tax Declaration of Lot
☑  Updated Real Estate Tax Receipt (photocopy)
☑  Building Plans, Specification with Bill of Metrials duly signed by the Licensed Civil Engineer or Architect
☑  Vicinity Map/Sketch of the Property
☑  Other Applicable Requirement
»  For OFW Members
•  Special Power of Attorney (SPA) notarized prior to date of departure. For OFW member abroad, a SPA notarized by a Philippine Consular Officer, or SPA notarized by a local notary (of the country where the member is working) but duly authenticated by the Philippine Consulate.
•  The Fund may also require any or combination of the following documents:
- Payslip indicating income received and period covered
- Valid OWWA Membership Certificate
- Overseas Employment Certificate
- Passport with appropriate visa (Working Visa)
- Residence card/permit (permit to stay indicating work as the purpose)
- Bank remittance record
- Professional License issued by Host Country/Government
Note: If documents are in foreign language/s, English translation is required.
»  Insurance Coverage
•  Health Statement Form (Medical Questionnaire)
- For borrowers over 60 years old
- For borrowers up to 60 years old, if loans is over P2.0M to P6.0M
•  Health Statement Form (Medical Questionnaire) and Copy of the result of medical examination conducted prior to assignment overseas as required by the employment agency
- For OFW borrowers over 60 years old
»  For Properties purchased from developers, corporations, or associations
•  License to Sell (Applicable to 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)
  Refinancing
☑  Housing Loan Application with recent ID photo of borrower/co-borrower (HQP-HLF- 068/HQP-HLF- 069),
2 copies
☑  One valid ID (photocopy back-to-back) of the applicable parties:
»  Principal Borrower
»  Co-borrower
»  Spouses of the parties involved, if applicable
☑  Proof of Income

☑  Transfer Certificate of Title (latest title, Certified True Copy)
☑  For condominium: present TCT of the land and Condominium Certificate of Title (Certified True Copy)
☑  Updated Tax Declaration (H&L or Lot, whichever is applicable)
☑  Updated Real Estate Tax Receipt (photocopy)
☑  Latest Statement of Account on Outstanding Loan Balance duly signed by the Manager or the account officer, together with any of the following:
•  Official receipt (or any valid proof of payment) for the past 6 months
•  Subsidiary Ledger
☑  Vicinity Map/Sketch of the Property
☑  Other Applicable Requirement
»  For OFW Members
•  Special Power of Attorney (SPA) notarized prior to date of departure. For OFW member abroad, a SPA notarized by a Philippine Consular Officer, or SPA notarized by a local notary (of the country where the member is working) but duly authenticated by the Philippine Consulate.
•  The Fund may also require any or combination of the following documents:
- Payslip indicating income received and period covered
- Valid OWWA Membership Certificate
- Overseas Employment Certificate
- Passport with appropriate visa (Working Visa)
- Residence card/permit (permit to stay indicating work as the purpose)
- Bank remittance record
- Professional License issued by Host Country/Government
Note: If documents are in foreign language/s, English translation is required.
»  Insurance Coverage
•  Health Statement Form (Medical Questionnaire)
- For borrowers over 60 years old
- For borrowers up to 60 years old, if loans is over P2.0M to P6.0M
•  Health Statement Form (Medical Questionnaire) and Copy of the result of medical examination conducted prior to assignment overseas as required by the employment agency
- For OFW borrowers over 60 years old
☑  Salary deduction through Employer Collection Servicing Agreement (CSA)
☑  Post-dated checks
☑  Auto debit arrangement with banks
☑  Accredited collection partners
»  Local Remittance
»  Overseas Remittance
COLLATERALS
☑  Clean Title (TCT/OCT/CCT)
»  Not accepted as collateral:
•  “Rights”
•  Free Patent not covered by RA10023
•  With disputes, claims in the court
LIMITATIONS
✗  Less than 28 sq. m. lot area
✗  Less than 18 sq. m. condominium floor area
✗  Properties with road right of way less than 1.5 meters
✗  Land types classified other than residential use
✗  Residential buildings must be compliant to the National Building Code, PD958 or BP220 as the case may be

ATTENTION TO ALL HOUSING LOAN BORROWERS


As mandated by R.A. 9510 pr the Credit Information Systems Act (CISA), the Pag-IBIG Fund is required to submit its housing loan borrower's Basic Credit Data and other credit information to the Credit Information Corporation (CIC).

CISA aims to address the need for a comprehensive, centralized and reliable credit information system, thereby establishing the creditworthiness of the borrower.

All data submitted to the CIC shall be covered by strict confidentiality and shall be used only for the declared purpose of the Act.

Thank you.


TO OUR VALUED MEMBERS


6 STEPS IN HOUSING LOAN AVAILMENT


  • STEP 1. COMPLETE THE REQUIREMENTS TO APPLY FOR A Pag-IBIG HOUSING LOAN

    These are the requirements that you need to accomplish and complete to apply for a Pag-IBIG Housing Loan:

    ☑ Housing Loan Application ☑ Updated Tax Declaration and Tax Receipt
    ☑ Vicinity Map of Property ☑ Valid IDs
    ☑ Additional Requirement by Loan Purpose ☑ Certified True Copy of Title
    ☑ Proof of Income
  • STEP 2. SUBMIT YOUR Pag-IBIG HOUSING LOAN APPLICATION

    You may take the first step in owning a home by submitting your application form and its initial requirements via Virtual Pag-IBIG. Simply click here.

    You may then submit your application form and its complete set of requirements at any Pag-IBIG Housing Business Center or Pag-IBIG Fund branch near you. Click here to view our directory of housing business centers and branches.

  • STEP 3. RECEIVE YOUR NOTICE OF APPROVAL (NOA) and LETTER OF GUARANTY (LOG)

    You will receive your Notice of Approval (NOA) and Letter of Guaranty (LOG) should we find your application complete and in order. You will be advised where to conveniently claim your NOA and LOG.

  • STEP 4. COMPLETE THE REQUIREMENTS STATED IN YOUR NOTICE APPROVAL

    Complete the requirements stated in your Notice of Approval (NOA) within ninety (90) calendar days. This include among others, the transfer of title and annotation of mortgage.

  • STEP 5. RECEIVE YOUR Pag-IBIG HOUSING LOAN PROCEEDS!

    Upon submission of your post-approval requirements, you will receive the proceeds of your loan within ten (10) working days. We will notify you on how your loan proceeds shall be released safely and conveniently

  • STEP 6. START PAYING YOUR Pag-IBIG HOUSING LOAN

    Start paying your Pag-IBIG Housing Loan, exactly one (1) month after its release date. Remember to use your permanent Housing Loan Account No. 12Digit-HLAN when paying. For your convenience, you may pay your Pag-IBIG Housing Loan online via Virtual Pag-IBIG or via our accredited collecting partners’ outlets or their online payment facilities.

ACCREDITED COLLECTION PARTNERS (LOCAL REMITTANCE)

ACCREDITED COLLECTION PARTNERS (OVERSEAS REMITTANCE)