The Pag-IBIG Home Equity Appreciation Loan (HEAL) allows qualified Pag-IBIG Housing Loan borrowers to loan an amount based on the net value of their home at very low interest rates - to help them improve their homes, buy a car, purchase furniture and appliances, or finance other life goals.

Pag-IBIG Fund values your hard work and perseverance to provide a safe home for yourself and your family. Because of this, we want you to be able to get better and do more for them!

Now, you can get an opportunity to avail of another loan based on the net value of your mortgaged property with Pag-IBIG, which you can use to fund your other needs. The Pag-IBIG HEAL is exclusively offered to Pag-IBIG Housing Loan borrowers who have maintained the good standing of their accounts by paying their monthly amortizations on time.

Through the Pag-IBIG HEAL, existing borrowers may apply for a loan at very low interest rates and under borrower-friendly terms, payable up to thirty (30) years.

☑  Must be an active member, or with at least one (1) monthly membership savings within the last six (6) months
☑  Not more than sixty-five (65) years old at the date of application and not more than seventy (70) years old at loan maturity
☑  Has the legal capacity to acquire and encumber real property, whenever applicable
☑  With an existing Pag-IBIG Housing Loan that has been approved or taken out for at least five (5) years as of date of application
☑  The existing housing loan/installment account/s must have been paid regularly and on time, within the last twelve (12) months immediately prior to the date of application. This applies whether the borrower is a principal borrower/buyer or co-borrower of the loan.
☑  Passed the satisfactory background/credit and employment/business check of the Pag-IBIG Fund
☑  Has no outstanding Pag-IBIG Short-Term Loan (STL) in arrears at the time of application. If STL is in arrears, it must be updated first.
• Home Improvement
• Livelihood/additional capital for business
• Education expenses
• Health and wellness expenses
• Purchase of appliance and furniture/electronic gadgets
• Payment of utilities/credit card bills
• Travel and leisure
• Other life goals
☑  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

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

STEP 2. APPLY ONLINE, via Virtual Pag-IBIG

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

The due date of your Pag-IBIG HEAL account will coincide with the due date of your existing Pag-IBIG Housing Loan.

Pay your Pag-IBIG HEAL online via Virtual Pag-IBIG or our accredited collecting partners’ outlets or their online payment facilities.

Here are the many ways you can pay your Pag-IBIG HEAL

☑ Salary deduction through Employer Collection Servicing Agreement (CSA)
☑ Post-dated checks
☑ Accredited Collection Partners
☑ Auto-debit arrangement with participating banks
☑ Any other collection system which the Fund may implement in the future
☑ The mortgaged property under your existing Pag-IBIG Housing Loan shall serve as collateral of your Pag-IBIG HEAL account.
☑  A maximum of three (3) members may be tacked in a Pag-IBIG HEAL account. This means that they will be jointly and severally liable with the principal borrower for both the existing Pag-IBIG Housing Loan and HEAL accounts.
☑  Additional co-borrower/s shall be:
  • 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
☑  The co-borrower in the existing Pag-IBIG Housing Loan account who do not consent to the Pag-IBIG HEAL may be excluded from the housing obligation. But he/she has to continue paying his/her proportionate share in the existing housing account.
☑  The existing Pag-IBIG Housing Loan/ installment and the HEAL accounts shall be considered distinct from each other, without prejudice to the provision on cross-default.
☑  The loanable amount is based on the lowest of the following:
  • 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.