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
  • For Self-employed
  • For Overseas Filipino Workers (OFW)
☑  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 12 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
☑  Payment to an accredited Developer with CSA with the Fund
☑  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. GET CHECKLIST OF REQUIREMENTS

    ☑ 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 THE HOUSING LOAN APPLICATION

    JELP Business Solutions Building, Shaw Blvd., Mandaluyong City or any Pag-IBIG Branch near you.

    Ensure that it is complete and correct.

  • STEP 3. RECEIVE THE NOTICE OF APPROVAL (NOA) AND THE LETTER OF GUARANTY (LOG)

    After 17 working days, claim at Servicing Dept. 2/F JELP Bldg. Shaw Blvd. Mandaluyong City

  • STEP 4. ACCOMPLISH THE NOA REQUIREMENTS FOR THE RELEASE OF LOAN PROCEEDS

    Borrower will be given 90 calendar days; Transfer of title; Annotation of mortgage.

  • STEP 5. RECEIVE LOAN PROCEEDS AT THE Pag-IBIG FUND

    Return annotated documents to Serving Dept., after 10 working days release of loan proceeds

  • STEP 6. START PAYING THE MONTHLY HOUSING LOAN AMORTIZATION

    Monthly amortization shall start exactly one (1) month from the DV/ Check Date.


ACCREDITED COLLECTION PARTNERS (LOCAL REMITTANCE)

ACCREDITED COLLECTION PARTNERS (OVERSEAS REMITTANCE)