Pag-IBIG Home Equity Appreciation Loan (HEAL)

• For Locally Employed

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

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  • 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

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

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  • 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)

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

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  • 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

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

• Duly Accomplished Pag-IBIG Home Equity Appreciation Loan (HQP-HLF-858)_V01
• Duly Accomplished Pag-IBIG Home Equity Appreciation Loan, for co-borrower/s (HQP-HLF-868)_V01
• Proof of Income
  • For Locally Employed
  • For Self-employed
  • For Overseas Filipino Workers (OFW)
• One (1) Valid I.D. (please see list of valid identification cards here)
• Updated Real Estate Tax Receipt/s as of the quarter immediately preceding the date of application
• Health Statement Forms
• Conformity Form for New/Subsequent Housing Availment (HLF409_V03), for co-borrowers who need to express their consent to the new HEAL application

Go to Virtual Pag-IBIG, click the Apply for and Manage Loans button to begin your application.

Key in your Pag-IBIG Housing Account Number (HAN) and other required information for us to assess your eligibility.

If qualified, you will be asked to upload the documentary requirements to proceed with your application.

Pag-IBIG Fund Housing Loan borrowers may also submit their HEAL application at any Pag-IBIG Fund branch, subject to health and safety protocols in the area.

Pay the Pag-IBIG HEAL processing fee via Virtual Pag-IBIG or our accredited collecting partners.

Your Notice of Approval (NOA) and other loan documents will be uploaded in your Virtual Pag-IBIG account, should we find your application complete and in order. You will be notified via text message and email once these are available

Download, print, sign and submit to Pag-IBIG Fund all the post-approval requirements.
Submission can either be in person at a Pag-IBIG Fund branch near you or through a courier service.

Please remember that your Notice of Approval must be signed and notarized

• Related within the second (2nd) civil degree of consanguinity or affinity;
• Must pass the eligibility requirements, except for Item No. 3.5 of Pag-IBIG Fund Circular No. 446; and
• Must consent to the Pag-IBIG HEAL application

• Your desired loan amount
• Your capacity to pay
• The latest Loan-To-Value Ratio, computed based on:

  60% of latest appraised value of your mortgaged property with Pag-IBIG Fund

  less

  Total outstanding balance of your existing Pag-IBIG Housing Loan/s

• Your maximum aggregate loan value, computed based on:

  P6 million(six million pesos)

  less

  Total outstanding balance/s of your existing Pag-IBIG Housing Loan/s

  
  

  The lowest of the above amounts shall be the amount one can borrow via the Pag-IBIG HEAL.

• Pag-IBIG Fund will conduct a technical inspection in any or both of the following cases:
  • Your loanable amount exceeds P1 million;
  • If the amount you wish to borrow is more than P1 million, a re-inspection wll be conducted to determine the current appraised value of the mortgaged property. Properties appreciate over time and a re-appraisal may serve as basis to increase your loan limit.

If your loanable amount is less than P1 million, or if you do not want a re-appraisal, a credit investigation will be conducted instead.