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how to loanEasy steps to a Pag-Ibig housing loan

Time: 2010-11-25 10:24 Author: admin Click:
Youve seen the property that you want to acquire, checked it out repeatedly, in fact, and youre convinced that its the right one for you. how to loanEasy steps to a Pag-Ibig housing loan,Youre a Pag-Ibig fund member and want to acqu

You’ve seen the property that you want to acquire, checked it out repeatedly, in fact, and you’re convinced that it’s the right one for you.

how to loanEasy steps to a Pag-Ibig housing loan,You’re a Pag-Ibig fund member and want to acquire the house and lot or the lot where you want to build your home through a Pag-Ibig housing loan but don’t know how to go about it.

Let these easy steps published in the Pag-Ibig publication “Pabahay ni GMA” and posted in the agency’s website guide you.

1. Attend a housing loan counseling session at the Pag-Ibig Fund office nearest you.

Applicants are asked to accomplish a preliminary loan counseling questionnaire, housing loan application form, and membership status verification slip (MSVS).

Based on these documents, Pag-Ibig officers will determine if the applicant is eligible for a housing loan. Eligible applicants are then given a checklist of requirements that they must comply with before they move on to step 2 in the list.

The requirements include: certificate of employment with salary breakdown (notarized), latest 1 month payslip, Income Tax Returns (ITRs) and W2 for the last two years, photocopy of a company ID or any valid ID with signature, proof of billing, birth certificate, marriage certificate, community tax certificate, and 1×1 picture (4 pieces).

For overseas workers, the requirements are: a special power of attorney (SPA), ID with signature of person designated in the SPA, photocopy of passport (pages 1 and 2), latest job contract, and POP contribution with record book.

To know some eligibility requirements of the agency, check out Pag-Ibig’s housing loan guidelines.

2. Submit to Pag-Ibig your loan application form together with all the requirements in the checklist and pay the processing fee of 1,000 pesos. The amount is non-refundable, even in the case that your loan gets disapproved.

3. Wait for notice of approval or letter of guaranty from Pag-Ibig on your housing loan. After your loan is approved, you will need to sign loan documents at the Pag-Ibig office.

4. Proceed to the Bureau of Internal Revenue (BIR) and present the deed of absolute sale between you and the owner of the property. You will also need to submit other necessary documents like tax declaration and tax receipt or clearance for the payment of capital gains tax and documentary stamps tax and secure Certificate Authorizing Registration (CAR).

If you want to know beforehand how capital gains tax and documentary stamps tax (DST) are computed, check out this post on taxes in real estate transactions.

5. After getting CAR from BIR, proceed to the notary public and have your Loan Mortgage Agreement (LMA) notarized.

6. The next agency to visit is the Registry of Deeds where applicants will need to pay transfer tax and registration fees for the transfer of title and annotation of mortgage.

7. If you’ve taken out a loan to purchase a new residential unit or a lot where you’ve had a house constructed, you need to secure an occupancy permit from the engineering office in the city or town where the property is situated.

8. Next stop is the Assessors Office where you will need to secure a tax declaration for your property, which may be a house and lot or lot only. This is to be used as basis for your real property taxes.

9. After visiting other government agencies, you need to go back to the Pag-ibig Fund Office, armed this time with the following documents:

Original Transfer Certificate of Title in your name which has the mortgage annotated on it

Assignment of loan proceeds

10. The second to the last step is to receive the loan proceeds that you will use to pay the seller of the property.

11. The last step is to start paying the monthly amortization base on the scheduled date.

Interest rates are at six percent for loans up to 300,000 pesos, 7 percent for loans above 300,000 to 750,000 pesos, and 10.5 percent above 750,000 and up to 2 million pesos.

Good day,

Is it possible to inquire beforehand, if I am qualified to obtain a PAGIBIG loan before I attend the seminar or work on the necessary requirements?

Thank you for your kind assistance.

Mr. Nilo F. Inocentes


this post lists pag-ibig eligibility requirements and the four factors that are used as basis for the amount of loan that a member may take out. please not that pag-ibig chooses from the lowest among 1.) contribution 2.) loan-to-collateral ratio 3.) actual need 4.) capacity to pay (based on your net disposable income).

another post, see link below, explains further the “capacity to pay” factor. also, in the post below are tables for amounts of loan, terms of loan, and monthly amortizations.

how do we know our HDMF/PAG-IBIG number? I think I have this info but i’m not sure if it’s correct.

you’ll have to visit your nearest pag-ibig office to get this information. pag-ibig will require you to present a valid ID if you’re asking about a pag-ibig number.

tanong ko lang what if my outstanding loan pa ako sa pag-ibig(salary loan) at i will pay a lump sum amount nung di ko nabayaran na payment previously..am i still entitled to have a housing loan? thanks


Im really interested in getting a house ASAP but like everybody else, I need to go thru Pagibig so that I can afford buying a house. Iam looking for a delevoper that can help me look for the right house and process everything I need so that I can finally purchase my house. Iam from Metro, Manila, Quezon city so I prefer a house in QC, would you know anyone, contact numbers if you can. TY.

i am an ofw. is it possible for me to apply for a loan even if i’m away? i mean,with the seminars to attend and the requirements i have to produce, can i just ask a representative from my family to assist my application?

I was a member for 5 years when i was working in the philippines,now i am working in london and i want to apply for a housing loan via Pag ibig fund but i don’t know how to start the process.I need your help please.Thank you very much.


if you have arrears in your salary loan, you have to update them to be able to take out a housing loan. if the salary loan is long due, you have to pay the whole amount.


will ask my friend in manila who is a broker if he has listing for quezon city.


yes you can get a housing loan even if you’re not in the philippines. you must of course first be a pag-ibig member in good standing to qualify. what you need is to empower a representative in the philippines through a special power of attorney. please take note that this special power of attorney must be signed in the philippine embassy in that part of the world where you currently reside. the other requirements, i don’t know if this has changed, are ID with signature of person designated in the SPA, photocopy of passport of OFW (pages 1 and 2), latest job contract, and POP contribution with record book.


please read my reply to ann’s question above. i think you and ann have the same concerns.

Hi, I’m a seaman and I am onboard, kaaalis ko lang last 14 this month. I want to ask if I am possible to apply online, I’m not yet a member and I want to know how. Can you help on this? Thanks

dear sir/madam,

i have a brother abroad but who is now a citizen of that foreign country but originally a natural-born Filipino citizen and wishes to purchase a house and lot in the Phils. He was once an active member of the Pag-ibig Fund but had to stop paying his contributions being no longer a resident of the Phils. May he be allowed to purchase a house and lot thru the Pag-ibig Fund housing loan? If yes, how? Thank you very much and more power…


Me and my finace are planning to acquire a condo unit thru pag-ibig financing. Would it be possible for us to have a joint loan? We will be applying for a loan and if ever this will be approved we want it to be paid by both of us thru salary deduction (half of the amortization how to loan in pag ibigwill be deducted to me and half will be to my partner since we’re not yet married.) Please advise. Thank you.

I am working in UAE for the past 9 years. I am very much willing to apply for a housing loan. I am not a member yet but then i dont have any idea how can do such thing. I dont know how to start and I am willing to pay as long as I can apply for a loan for a house and lot located in Bacolod City, Negros Occidental. Please do reply. I need it very urgent. Thank you very much for your help.

i want to purchase a lot but i don’t want to acquire the house offered by the developer since i want it to be build based on my own house design but the thing is, i want to loan it both to pag-ibig.. is it possible for me to loan for a purchased of a lot and a finacial loan for the construction of the house at the same time? Thanks!

saka anu po ba ang mas advisable? kumuha ng house and lot or lot lang den mag-loan ng house construction sa pag-ibig?

what if sa mother ko yung lot and ako yung mag lo loan sa pag ibig to construct a house but I already have or in my case it’s my mother’s.

follow up ko lang po..I already have a lot available I just need to construct a house on my mother’s lot how can I get a housing loan?

is it possible na makapag avail ng housing loan ang husband kong seaman ng housing loan worth 1million kung ang pop nya ay 1 contribution palang ang aman ng pop passbook nya?kailangan kc namin agad magloan para sa bahay na inaalok ng tito ko samin madalian kc ang gus2 ng tito ko…..


there’s currently no application online for POP membership. however, you may file your application with any of the following offices:

Pag-IBIG Overseas Program Office

Metro Manila and Provincial Offices

since you are at sea, the best thing to do would be to apply for membership at any of the POP overseas offices once your ship docks.

for a listing of where these offices are, check out the links below:

North America


however, once you are a member, paying your contributions would be easier through Pag-ibig’s e-payment system.

hope this helps!


for your brother to be eligible for a pag-ibig housing loan, he must be an active member. this means he should be contributing regularly up to the present time. if he had stopped paying contributions some years back, then his membership is no longer active. he can choose to revive his membership through Pag-Ibig’s overseas program, which has been made easier with the e-payment system.


also check out my above reply for more information on POP.


i think you need to be married first for pag-ibig to allow you to take out a joint housing loan.


all Pag-ibig branches conduct counseling. please call for their schedule. check out the pag-ibig directory for a listing of pag-ibig offices in NCR.



please see my reply to glenn’s post above.


under pag-ibig’s housing loan guidelines, a borrower may take out a loan for the “purchase of a lot and construction of a residential unit thereon”


that is allowed under pag-ibig housing loan guidelines. you have to visit your nearest pag-ibig office and fill up a housing loan application. they will give you a list of requirements including attending loan counseling at their office.


the equity means that amount not covered by your pag-ibig loan. you will have to pay for the equity. some housing developers have a plan wherein they allow you to pay the equity within 3 months or even longer.


your husband must have contributed for 2 years before he could avail of a housing loan.


I planning to buy a house and lot in one of the subdivision in zambales.Can you help me im working here in saudi arabia.What are the requirement to avail your housing loan.


I have already used my PAG-IBIG housing loan. I and my wife want to use her PAG-IBIG to avail another house. But my wife works as a contractual from different agencies and is a member of PAG-IBIG for over 4 years now. Being a contractual, she was not able to pay her monthly PAG-IBIG in a regular basis. As of the moment, she has no work but wants to avail of the housing loan. How can this be possible? Also, can I use my payslip and ITR as a prrof to show that we can support to avail another house from PAG-IBIG using my wife’s membership.

will pag-ibig approve the amount indicated in my application even though its more than 40% of my net disposable income?

also, during the seminar the speaker mentioned co-borrower.

can i make my sister as my co-borrower even if she’s married already? i dont have anyone else to make as co-borrower since i’m still single. thanks


Do you have an available liason officer that could assist me in the process of procuring those requirements?

If you have please refer me one I really need help.

Many thanks!



you must be a pag-ibig member of good standing and should have contributed at least 24 monthly contributions before you could take out a housing loan. since you are outside of the country, you must also empower a relative or friend that you trust with a special power of attorney so they could handle the processing of your housing loan for you.


pag-ibig requires that a borrower must be an active member, which means that he or she must be currently contributing to the fund, and must have contributed at least 24 monthly contributions.


pag-ibig decides on the amount of housing loan that you may take out based on the lowest from among four factors. one of these factors is net disposable income. if net disposable income is the factor that is applicable in your case, then the amount of loan that pag-ibig will allow you to take out will be based on this. the pag-ibig table in the below shows the amount of housing loan you can take out based on your net disposable income.


as to the possible co-borrower, your sister may qualify as long as she is not also a co-borrower of another pag-ibig housing loan. she must also be a pag-ibig member in good standing.


this site is not affiliated with pag-ibig. before you can take out a housing loan, pag-ibig requires that you attend a housing seminar. at the seminar, you will be given an application form and a checklist of requirements. please visit your nearest pag-ibig office for additional information.

I was an active member of Pag-ibig for almost 3 years, but i stop my contribution when i resigned in my work. I also apply for multipurpose loan and i have an outstanding balance amounting 1,500. I have a new work now, I want continue my contribution and activate my membership in Pag-ibig. What should i do to activate my membership. I also want to know if my I’m qualified to avail a housing loan

I’m planning to buy house & lot from a subdivision, I just want to know when will i start paying my monthly amortization, is it after the construction of the house or after the papers where submitted & approved by the Pag-ibig?


just a simple question lang po!pwede po bang mag apply ng pag ibig eventhough the person is not in Phils.

hi…i just wanna ask ung asawa ko nakapagcontribut na sya for 8 months..and naistop yon…freelance na lang sya ngayon…is he qualified para makapagloan ng house and lot?if yes ano ang mga requirements…

hello there. I am in canada now and a permanent resident here. But I am just curious if my parents can still acquire PAG IBIG LOAN to build a house on their newly acquired lot? If I can remember my mom, who is a retired public school teacher was a PAG IBIG member. She is still 63. I would be very willing to help them pay and how? Please email me back and explain to me how it works since I am new to these things. Thank you!

hi.my husband is working in taiwan and we want to have a place of our own.our problem is we want to avail of your housing loan program.we want to know the requirements and where we can get a contact or where can i go to attend a seminar or whatever that can pursue our plans of having a house and lot.also,how many months or year of contribution do you need?tnx and pls answer me as soon as possible..

with the lot title still under my grandfathers name,,i want to knmow if im qualified to avail the loan.i need it urgent,please do reply,thanks

I’m in Doha right now and paying pag-ibig office here, i’m an active member and just receiving the original receipt & my original passbook is with me. How will i know if this payment posted in phils?

i heard that some developers are charging a certain percent for helping applicants in getting a loan. is this okay?

what if sa akin po nkapangalan ang purchased lot at gusto ng sister ko working abroad apply for a housing construction on my lot, pwede po ba yun?

sir, ask ko lang po..pwede po ba ko mag avail ng housing loan just to use it sa pagtubos ng house & lot namin na nakasangla?

or can i avail for a rennovation of house?

thanks po..

im an ofw,i just want to ask where i can find ur latest available units and places kc when i m trying to open pag-ibig housing fair 2008 ay di ko din makuha,ty

Hi, I’m just wondering what sort of timeframe we would be looking for from the start of the application to the end? My parents are quite elderly and I would have to stay in the Philippines to do all the legwork in acquiring a property and applying for the Pag-Ibig loan myself and I’m just wondering how much time away from work I would be looking at if I everything from start to finish? Thanks!

i want to ask only, if pwede po ba ako mag loan ng bahay na gamit ang pagibig fund ng husband ko?my husband is seaman and he’s on board,he is support me to use his pag ibig fund /how?; thanks!

Do you know any subdivision in or near Olongapo City, Zambales where Pag-ibig Housing Loan is applicable? Kindly advise. Thanks in advance!

ask ko lng po kung pwede magloan kung nakatira sa abroad, d po nya kya mag cash,ano po ang mga requirments at pano po ang prosesso. thank u po! God bless!


I would like to know how many days will it take for a loan to be approve considering that you submitted all necessary docs and requirements.

thanks po!

How long would it normally take for a housing loan to be approved? Moreover, my father would like to apply however, he may not be able to attend the seminar because of his work, can my mother go instead?

gud day…

im just asking how to regester in pag-ibig? i am overseas worker here in riyadh,and i am not a member of pag-ibig but i want to avail housing loan.. what are the following requirement needed for regestration… can you advice me what are posible things to do?

thanks and god bless…


Do you know any subdivision in or near Olongapo City, Zambales where Pag-ibig Housing Loan is applicable? Kindly advise. Thanks in advance!

and how many monthly contribution, needed and what if, i have a different employer paying my pag-ibig contri because i’m only a contractual.?please kindly answer me as soon as possible

Inquire lang po sana ako if pwede ba ako maging member ng PAG-IBIG, I don’t have a work because I took care of my children, I do have a live in partner, is it possible for me to avail a membership even though i don’t have a work?

my daughter is a member of pag-ibig when she was working in manila. now, she is dubai wanting to continue her contributions. what will i do to facilitate all the requirement she need. Please help, thanks you.

hello…my husband applied for a housing loan and the unit was ready for take out now… i just want to know if i can avail housing loan for the development of the said unit that my husband applied. thnk


are there any list of houses/developers that is accredited by pag-ibig loan in batangas? preferably santo tomas. and is it covered by the one that was being said on Mr Noli De Castro’s commercial?


Asked ko lang po I am OFW here in Saudi Arabia nakbili po ako ng house and lot sa DECA Homes Marialo, Bulacan thru Sulit.com.ph ngayon po nakatira na ang family ko sa house na iyon at patuloy parin po akung nag huhulog sa kanya included our agreement to pay mothly for her payments to pag-ibig at mothly for house reinbersment,

Paano ko po maililipat sa pangalan ko ang housing loan at ako na po ang mag mohly payments sa Pag-ibig.


Jimmy M.

How long does it takes before the pag ibig housing loan does approve? I already got pag ibig through verdantpoint developer and done paying with equity. I need to know how long how does it takes to approve the loan?

last 4yrs. nagfbakasyon ko nag-atemp ko na magloan in one realstate then everything almost tapos na nagbayad pa nga yong anak ko ng 1month contributionas recontenuation. then nag stop ulit ko due to circumtances. pwede ko ulit maituloy yon or back ako again sa 1st step.

im a pagibig member and i successfully paid 2 years contribution..i want to apply a housing loan..im a self employed but i just renting a place of my business area..i have no business permit and income tax to comply as some requirements for housing loan since im not the owner of the area.but i have the capacity to pay the monthly amortization if granted..what should i do to make my application will be approved even i dont have business permit?please help me? i need ur idea or advices…

sincerely yours,anelyn

Hi… my girlfriend took a loan for a lot and she want me to take the half of the land and put in my name in legal ways, but i want also to take a loan for the half of the land, but im not wet a member but im willing to be a member if its posible, so it will be separately payment for the half of her land and the half of the lot that she want to share with me, the thing is, im in abroad and we want to do that when i come back in the philippines, its posible to be a member in pagibig while im out of our country, is that posible, hopefully that you will reply and answer my questions soon in the fastest way. thanks a lot.

There are housing unit that has high equity, is it possible for the equity to be included in the housing loan? Our monthly contribution to pag-ibig is more than the mandatory deuction set for government employees.

i just want to know if my daughter is qualified to apply for a pagibig membership and later on apply for housing loan.while she had a pr in singapore.she works as a flight stewardess in singapore.if she is qualify tells us whats the requirements.and i will also ask if my son can apply for a membership while his only requirement is barangay clearance business permit.Do i have to get an itr for this.and he can also qualify for a housing loan partner of my daughter.meaning they are co-owner if they get a housing loan.hoping for your prompt response so i can arrange all the neccessary requirements if they are both qualified.thank you very much for the assistance

Magandang gabi po,

Isa po ako sa aktibong member ng pagibig, almost 4 years na po, may isa pong house in lot dito sa aming lungsod na ibinibenta na ng may-ari, nakuha nya rin po yung house in lot through pabibig financing,at may 1 year pa po syang huhulugan sa pagibig. ang tanong ko po is, pwede po ba na mag file ako ng housing loan,na itutuloy ko po yung hulog sa pagibig, at yung rights po na hinihingi ng owner nung house in lot?pupwede ko po bang kunin yung pambayad sa rights dun sa i lo-loan ko sa pagibig na housing loan? sana po matulungan nyo po ako..

Magandang gabi!

sir / madam

isa akong pag ibig member at ofw ako dito sa jeddah saudi arabia ,gusto ko po sanang ipagpatuloy ang paghulog, gusto ko rin ma****n kung pwede narin akong mag loan kase dati nman ako naghuhulog kaya lng di ko alam kung pwede na ako magloan, at san po ako pweding maghulog dito sa jeddah.. sa****t po……

Hello to All,

isa ako OFW at plano ko ring mag apply ng housing loan. ask ko lang, ano ba mga disadvantage if sa PAG-IBIG ako mag apply ng housing loan? kasi at least para sa mga nagpaplano tulad ko na maka avail ng housing loan, kailangan din ako aware sa mga negative na posibilities. kasi hindi rin basta2x na amount ang involve nito.

Ask lang po ako pano ang prOcesS pg kumuha ng pagibiG loan ang mOther ko gs2ng bumili ng hous so i sugGest sa pagibiG nlng. ,oFw sya. ,ahm pwdi po humingi ng coMplete record kung mgkaAno.

.s****t’sna my resPoNse.

Happy new year!

I just want to us how can i avail a housing loan and what are the requirements? i am active member of PAGIBIG since 1999 onward.

Thank you so much.

my fiancee acquired a lot from cmp,(community mortgage program),he is also a pag ibig memeber. Is he qualified for the pag ibig loan ,for building a house even were not fully paid the total price of the lot?or after we get married, can we used a joint loan for building a house?

i really want to apply a housing reconstruction loan can u help me thru this pag ibig benefit? can u give me the requirements, terms & conditions regarding this matter.. thanks a lot.


Upon submission of my loan requirements (assuming that i am qualified to have the loan), how many days does it take for PAG IBIG to release the Letter of Guaranty or Notice of Approval?

dear sir/maam,

im a member since last year and i only paid my first month.now,it’s been 1 year haven’t pay my monthly contribution because of a big financial problem before.it was already settled and i continue paying my contribution.i paid for 6 months contribution from every month in four months in a row…so totalling 25 months already.my question is: if i will apply a housing loan,does it affect my performance paying my monthly contribution for approval?

Im a Private Employee as of 1997. Im seeking to avail a Home Improvement Program of HDMF. My Basic Salary Pay is only amounting to 11,600. and I have my present Pag-ibig Salary Loan and will start on March 2010 with monthly amortization of 1,053.19 for 2yrs.

If ever i decided to apply for the Home Improvement Loan can Pag-Ibig deduct my Loan on MPL? How much can be the max. proceed of my Home Improvement Loan? How long is the terms of payment? And how much is the monthly amortization will be? Please also advise what could be the requirements?

i want to know if i’m eligible to get the housing loan even if not working in the company but i have own business i will able to pay monthly

i just want to ask, if my husband needs to fill up a pag-ibig membership form in saudi arabia if he is already an inactive pag-ibig member here in the philippines. tnx

hello, I am a Chinese citizen, born here in the Phils., and married to a naturalized Filipino since 1987. I am now 47 years old, have 3 children, and an active member of Pag-ibig for almost 6 years. Can i apply for a pag-ibig housing loan since my husband is not a Pag-ibig member. He is jobless for almost 15 years since he had a stroke. Please help. I am getting old and want to have a house of my own. Thanks and more power to Pag-ibig programs.

gud pm ask lng po ako my daughter works as a call center agent in manila.she plans to apply for ahouse and lot purchase loan thru your good office.dito sa davao plan nya bumili.saang office ng pagibig ba sya dapat mag apply.i need your advice as soon as possible. thank you so much…

ask ko lng po gusto ko po mag aply ng housing loan para sa new house and lot pwede po ba ako maka avail nun .im a co borrower ng husband ko sa kanyang hounsing loan.at hindi pa po kami updated dun,pero may plan naman po kmi i update ang payment dun if possible bayaran na lahat ng arrears.paano po ang prosesso o pwede ba itransfer nlang yun loan ng husband ko sakin ?

hello po…

May nabili po ako lot sa malolos bulacan at gusto ko pa sana mag loan sa pag-ibig for contruction kaya lang sa april pa ang release nung title na nakapangalan sa akin…

pwede po ba yong letter from developer na fully paid na ako i-submit sa pag-ibig at contract to sell at deed of absolute sale…to follow na lang po title..

maraming sa****t!

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