Affordable, accesible financial support for your health and education expenses.
NO PROCESSING FEE
Get the full amount of your loan proceeds.
BIGGER DISCOUNTS
Enjoy bigger discounts from our partner schools and hospitals
• Must be an active Pag-IBIG member with at least one (1) monthly contribution within the last six (6) months
• At least twenty-four (24) monthly membership savings under the Pag-IBIG Regular Savings;
• If with an existing Pag-IBIG Housing Loan, Multi-Purpose Loan and/or Calamity Loan, the account/s must not be in default;
• Must avail loan from Pag-IBIG HELPs partner schools and/or hospitals.
• Accomplished Pag-IBIG HELPs Application Form
• Billing assessment from the HELPs partner school or hospital
• One (1) valid ID
1. Philippine Identification (PhilID) Card
2. Passport including those issued by foreign governments
3. Driver's License
4. Professional Regulation Commission (PRC) ID
5. National Bureau of Investigation (NBJ) Clearance
6. Police Clearance
7. Postal ID
8. Voter's ID
9. Tax Identification Number (TIN) ID
10. Barangay Certification or Barangay IDs or similar documents bearing picture of the Member
11. Government Service Insurance System (GSIS) e-Card
12. Social Security System (SSS) Card ~ Pag-IBIG Fund
13. Senior Citizen Card 2 6 MAR 202~
14. Overseas Workers Welfare Administration (OWWA) ID MASTER COPY
15. Overseas Filipino Worker ID
16. Seaman's Book or Seafarer's Identification and Record Book (SIRS)
17. Alien Certification of Registration/Immigrant Certificate of Registration
18. Government Office and GOCC ID, e.g. AFP ID, Pag-IBIG Fund Loyalty Card
19. ID issued by the National Council on Disability Affairs (NCDA)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines ID
22. Company ID issued by Private Entities or Institutions Registered with or supervised or regulated either by the BSP, SEC or IC
23. PhilHealth Health Insurance Card ng Bayan.
• Proof of Income
The “Certificate of Net Pay” portion at the back of the application form must be accomplished by the employer or submit photocopy of one (1) month latest payslip duly authenticated by the company’s authorized signatory
a. Income Tax Return (ITR), Audited Financial Statements and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit (1 Photocopy)
b. Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months) (1 Original)
c. Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittance, pension, etc.) (1 Original)
d. Transport Franchise issued by appropriate government agency (LGU for tricycles, LTRFB for other PUVs) (1 Certified True Copy)
e. Certificate of Engagement issued by the owner of business (1 Original)
f. Declaration of Income (HQP-SLF-136) (1 Original)
a. Employment Contract Employment Contract between employee and employer (1 Photocopy); or POEA Standard Contract (1 Original)
b. Certificate of Employment and Compensation (CEC) CEC written on the Employer/Company’s official letterhead (1 Original); or CEC signed by the employer (for household staff and similarly situated employees) (1 Original), supported by a photocopy of the employer’s ID and passport
c. ITR filed with the Host Country/Government (1 Original)
NOTE: If documents are in foreign language/s, English translation is required.
See our list of accredited HELPs partner schools and hospitals, or check the branch nearest you to apply.
List of Partner Schools and Hospitals
See List of Partners
Over-the-Counter via any Pag-IBIG Branch
Need a cash loan for your other needs? Apply for the Pag-IBIG Multi-Purpose Loan
The Pag-IBIG HELPs is a loan available to Pag-IBIG members to help them cover educational and healthcare expenses for themselves and their families. The funds are directly credited to HELPs-accredited schools and hospitals to simplify the process for members.
Plus, members can benefit from exclusive discounts at HELPs partner institutions when they opt to pay using HELPs.
Qualified members can borrow up to 80% of their total Pag-IBIG Regular Savings. This includes monthly contributions, employer’s contributions, and accumulated dividends. This means that your available loan amount increases as you save more in your Pag-IBIG Regular Savings.
If you have an existing Pag-IBIG Multi-Purpose Loan or Calamity Loan, the amount you may borrow shall be the difference between 80% of your total Pag-IBIG Regular Savings and any outstanding loan balance.
HELPs can be used as an additional financial support specifically for tuition fees or medical expenses.
Members can use their loans at these HELPs accredited partners:
National Partner:
Local Partners:
To qualify for the loan, you must:
To apply, secure these documents and submit to the nearest Pag-IBIG branch:
Pag-IBIG HELPs comes at an interest rate of 10.5% per year.
Aside from being an affordable loan, HELPs do not charge processing fees. This means that members receive the full loan amount without any deductions to fully address their financial needs as intended.
Further, interests earned from Pag-IBIG Fund’s cash loans and housing loans are returned to the members in the form of dividends and returns in their Pag-IBIG Regular Savings and MP2 Savings.
Loan payments can be made in easy installments of 6, 12, 24, or 36 months.
If you are an employed member, you may opt to pay your loan via salary deduction arrangement with your employer. Or, you may also pay any time at the nearest Pag-IBIG branch, or through any of our accredited collecting partners’ outlets or their online payment channels.
You may renew your Pag-IBIG HELPs after paying an amount equal to at least four (4) monthly payments, if your chosen loan term is six (6) months. While for loan terms of 12 months or more, you may renew your loan after six (6) monthly payments.
The outstanding balance of your existing loan (HELPs, Multi-Purpose Loan or Calamity Loan) shall be deducted from the loan proceeds of your new loan.