Pag-IBIG Fund
About Pag-IBIG Fund
The Home Development Mutual Fund, known as Pag-IBIG Fund, was created on 11 June 1978. Its original purpose combined workers’ savings with access to housing finance.
Company background
Multi-Purpose Loan
The official application form states 10.5% p.a., equivalent to 17.5% on a diminishing balance. The amount depends on member savings, existing loans and repayment capacity. Confirm your current entitlement in Virtual Pag-IBIG.
Who can apply
Member eligibility
Repayment and costs
- Interest during the two-month grace period and individual entitlement affect the schedule. We do not convert this headline rate into a repayment quote. The source form is version 08 (October 2024), confirm that it remains applicable.
- Pag-IBIG Multi-Purpose Loan installments can be collected through salary deduction where feasible. Individual payers use a Fund-approved payment method. If payroll deductions stop, arrange direct payment with Pag-IBIG instead of assuming the installment has been suspended.
Housing Loan
Pag-IBIG offers housing finance, including conditional subsidized programs. Property, membership and program eligibility determine the available amount and rate. A program announcement is not an individual offer.
Who can apply
Open application
Repayment and costs
- We do not assume you qualify for a subsidy. Confirm property limits, membership criteria, fixing periods, current program availability and charges with Pag-IBIG before calculating a payment.
Calamity Loan
Member-savings and declared-calamity conditions apply. The official form specifies an application window, confirm the current declaration and entitlement.
Who can apply
Declared calamity eligibility
If you cannot repay on time
Contact Pag-IBIG Fund before the payment date with your loan reference, the reason for the shortfall and a realistic payment proposal. Ask which assistance options apply to your account and request the revised dates, charges and total payable in writing. Continue using the agreed schedule until the company confirms a change.
Repayment help