Pag-ibig housing loan guidelines
Posted on August 8th, 2007
If you’ve made that big decision to buy a house, chances are you’re also already choosing from the many possible financing options available to you because, let’s face it, only a few people can afford to pay cash for big purchases like property acquisitions.
One alternative that private sector employees should consider when acquiring a house and lot is to take out a housing loan from the Home Development Mutual Fund (HDMF), more popularly known as Pag-ibig Fund.
Republic Act 7742 has made membership in the fund mandatory for private sector employees earning 4,000 pesos and above. If you’ve been contributing religiously to the fund for at least two years, you probably quality for that loan.
Pag-ibig Fund allows borrowing of up to 2 million pesos to fund any of the following:
* purchase of a fully developed lot in a residential area
* purchase of a lot and construction of a house on it
* purchase of a house and lot, townhouse, or condo unit
* construction of a house on a lot owned by the member
Pag-ibig Central Visayas senior mortgage account specialist Senen D. Catingub Jr. says that in determining the maximum amount that a member may take out as a loan, the fund decides based on the “lowest” from among four factors:
1. Contribution. The table below shows the schedule of contributions and the corresponding loanable amounts. POP in the first column means Pag-ibig Overseas Program and the amounts in column 2 under the heading Pag-ibig I and II as well as in the third column under loan amount are in Philippine peso.
Hence, if your monthly contribution is 500 pesos, your loanable amount is over 1 million to 1.1 million pesos.
2. Loan-to-collateral ratio. Some subdivision or property developers offer a buy-back provision for housing units sold through various financing schemes.
The provision serves as a guarantee that the property developer will reacquire housing units foreclosed by financing institutions due to non-payment of borrowers.
Pag-ibig fully covers housing units costing up to 300,000 pesos even without a buy-back guarantee and over 300,000 up to 750,000 pesos with buy-back guarantee. The fund will cover 90 percent of the cost of housing units worth over 300,000 up to 750,000 pesos without a buy-back guarantee.
Housing units that cost over 750,000 up to 1 million pesos are only 95 percent covered if with a buy-back guarantee and 85 percent covered if without.
Pag-ibig covers 90 percent of the cost of housing units worth over 1 million to 2 million pesos if with a buy-back guarantee and 75 percent of the cost if without.
3. Actual need. This represents the amount of the housing unit as stipulated in the contract to sell, license to sell, amount of loan applied for, or cost estimates.
4. Capacity to pay. Pag-ibig Fund takes into consideration the member’s capability to pay the monthly amortization of his or her housing loan. It requires that the monthly amortization of the member on his or her loan must not be more than 40 percent of his or her net disposable income. Hence, if a member’s take home pay is 20,000 monthly, his or her monthly amortization must not exceed 8,000 pesos.
Other uses of a Pag-ibig housing loan, aside from the four mentioned above, are: home improvement and refinancing of an existing loan in an institution acceptable to the fund.
Aside from meeting the contribution requirement, Pag-ibig also requires that borrowers must not be more than 65 at the time of the loan application and not more than 70 at the date of loan maturity, they must not have any outstanding housing loan either as borrower or co-borrower, and must not be in arrears in their multi-purpose loan repayment.
Pag-ibig charges 3,000 for housing loan processing fee. The 1,000 pesos is paid at the time of the processing while the remaining 2,000 pesos is taken from the loan proceeds upon its release.
The monthly amortization of the housing loan may be paid in two ways: through salary deduction or by issuing 12 post-dated checks to cover one year of payment.
Payment of the monthly amortization starts a month after the full or final release of the loan.
By fully developed lot, Pag-ibig means land that is free from squatters, with access to electricity and water, with provision for drainage and road right-of-way, and with existing land monuments.
Also, the lots to be acquired using the loan must be free from any encumbrances.
The maximum term of a Pag-ibig housing loan is 30 years.
August 21st, 2007 at 4:15 am
Dear Sir/Madam;
I would like to know if I can loan for house construction even if I just had a 1year contribution in Pagibig?
August 26th, 2007 at 12:33 am
hi richelle,
pag-ibig requires that you must have a minimum of 24 monthly contributions (equivalent to two years of membership) before you are allowed to take out a housing loan. since you only have 1 year’s worth of contributions, what you can do is make a lump sum payment equivalent to 12 months of your contribution rates to meet pag-ibig’s eligibility requirement.
hope this helps!
August 26th, 2007 at 3:05 am
[…] units may be availed of through the Pag-ibig housing program for only 1,900 pesos monthly. (Read Pag-ibig’s housing loan guidelines.) ← Buy only titled lands: […]
September 6th, 2007 at 10:13 am
pwede po bang mag seminarng fdmh kahit di na nakapaghulog dahil tapos na contrata ko sa dating pinapasukan ko,pero lagpas na sa 2 yrs ang nahulog ko.
September 6th, 2007 at 10:55 am
i WANT TO BUY LOT IN NUEVA ECIJA IS A FARM LOT CAN I AVAIL FOR LOT PURCHASE AMOUNTING FOUR HUNDRED THOUSAND PESOS ONLY
September 10th, 2007 at 12:31 am
hello!
Ask lang kong meron kayong subdvision punta princesa cebu city,if wala nearer to that place.thanks.give me po contact no. of developer kong meron.thanks again.
September 11th, 2007 at 1:33 am
Sir,
I’m a Gov’t Employee. Im seeking to avail a home improvement Program of HDMF. My net home pay is only amounting to 6.5k inclusive of my MPL loan to pag-ibig.
If ever i decided to apply for the home inprovement loan can Pag-Ibig deduct my Loan on MPL? How much can be the max. proceed of loan? How long is the term? And how much is the monthly amortization will be?
Do they need a collateral for the said loan?
September 11th, 2007 at 11:57 am
i want to know if i paid the sum of two years contribution and i want to buy the house and lot that my agent sells to me what else do i have to prepare like legal papers or my agent will answer this questions to me?????
September 14th, 2007 at 9:27 pm
meron po bang low cost housing project sa GMA, CaRMONA or DAsmariñas Cavite?
salamat po
September 17th, 2007 at 10:56 pm
jeffrey, bimbo, seaman,
i will try to answer your questions in a follow-up post. i’m still writing my article though. thanks for your patience.
fe,
i will ask around for subdivision developments in or near punta princesa.
guillerma, bax,
i’m still focusing on cebu real estate at the moment. i will try to look for someone with listings in those areas that you’ve mentioned. thanks for your interest.
September 18th, 2007 at 5:17 am
Im from capiz. want to avail housing loan. can i pass other requirements first except the building permit is still 0n the process in the ct hall. Ty
September 22nd, 2007 at 4:05 am
I CONRIBUTED 17MONTHS IN PAG-IBIG. CAN I AVAIL THE PAGIBIG MULTI-PURPOSE LOAN???
September 23rd, 2007 at 7:50 am
hello po! ask ko lang po 8 yrs na ako nag wowork sa private firm and monthly deduction po sakin is 200.. i have some questions that need to answer..
pwde bang mag loan ng lupa???
pwede nyo ba ako bigyan ng list of developer na pwede nyo ifinance? taga zamboanga city po ako..
Milan
September 23rd, 2007 at 7:51 am
the second question is for housing loan.. thanks again..
Milan
September 25th, 2007 at 6:11 pm
For housing loan, will Pag-iBIG deduct MRI (Mortgage Redemption Insurance) so when the borrower dies, the heirs are no longer obligated to pay the loan?
September 26th, 2007 at 11:46 pm
i would just like to ask how you were deducting your taxes from the income of the members you have, how many percent of their income were you deducting? thank you.
September 30th, 2007 at 12:56 am
I would like to know if i loan an amount for 20 years i i’ll pay it for only 10 years, is the interest also computed for 20 years?
September 30th, 2007 at 7:19 am
Sir/Madam,
OFW po ako at gusto mag loan ng housing. Paano po ba ang aking gagawin active po at advance pa ang payment ko sa Pag-ibig. Kahit po ba nandito ako pwede akung mag loan?
Please reply to my email adrres.
Thanks
Sid
October 4th, 2007 at 8:55 am
If I upgrade my monthly contribution, how many months before I can loan the equivalent loan amount of my new contribution?
October 5th, 2007 at 1:49 am
hi, i just wanna ask if you have any seminar in manila area regarding housing loan?
October 7th, 2007 at 11:47 pm
ask lng pag meron ka pang pag ibig salary loan, pwede ka pa rin mag apply ng housing loan?
October 7th, 2007 at 11:49 pm
dalawa kmi ng asawa ko mag housing loan ano po ang pag process nun combine namin yong contribution namin or individual po? house and lot yong kunin namin.
October 10th, 2007 at 5:53 am
# lotixx says:
October 5th, 2007 at 1:49 am
hi, i just wanna ask if you have any seminar in manila area regarding housing loan?
*** Pag-ibig funds are conducting consultations at ATRIUM building near Manila Peninsula Hotel. Just bring a valid id and ITR or most recent 1 month payslip.
The seminar schedules are as follows:
Mondays - Fridays: 8-10am and 3-5pm
Saturdays: 9-11am
You may contact their hotline for any inquiries at (02)7244244 or you may visit their website at http://www.pagibigfund.gov.ph/index.asp
God Bless us all…
October 13th, 2007 at 9:58 pm
harold,
Pag-ibig has a minimum requirement of 24 monthly contributions for the multi-purpose loan. You may, however, pay in bulk what you lack in monthly contributions so you can take out an MPL.
milan,
if you’ve been contributing to pag-ibig for eight years, you are more than qualified to take out a housing loan.
i don’t have a list of zamboanga city developers, though. i’m a new broker and i’m focusing on cebu at the moment.
mr. pineda,
the interest will be recomputed so it would be for 10 years and not 20.
grace,
you can take out a housing loan even if you have a salary loan as long as you don’t have arrears in your multi-purpose loan payments.
i’m not sure about the process of combining a couple’s contributions for a housing loan. please visit your nearest pag-ibig office. they can explain the process to you.
mykel,
thanks for the information
October 16th, 2007 at 10:39 pm
hi! i wan to ask… i want to take housing loan payable in 25yrs… i am 33 year old now… i am a pag ibig member for almost 10 years… i want here in davao city, i am gov. employee… i want the calculation for the monthly payment if i apply worth 3hk-5hk….
thank
October 16th, 2007 at 10:46 pm
hello!
i want to own a house and lot within cebu city but i do not have any idea yet on how to do so…
i have been a contributing to pag-ibig for more than 2 yrs now so most likely i will qualify for housing loan.
can you help me on where and how i can buy a house and lot?
thanks a lot.
October 16th, 2007 at 11:23 pm
I just wanna ask if pwede na akong magdistribute sa pagibig fund. what processes do i need to take. my current job doesnt include my item to avail their benefits that’s why im not yet a member of pagibig fund. But i really want to contribute na as early as now… so i can avail your housing loan as soon as possible i finish the 2 years… I really want to have my own house kasi eh.
October 16th, 2007 at 11:28 pm
[…] To know some eligibility requirements of the agency, check out Pag-Ibig’s housing loan guidelines. […]
October 16th, 2007 at 11:39 pm
ei i just wanna ask din if ever… do pag-ibig fund have their housing project in las pinas or taguig?
thanks a lot and more power to pag ibig fund…
October 16th, 2007 at 11:53 pm
milan,
below area some subdivisions in zamboanga. got this from pag-ibig “pabahay ni gma” publication:
dona felisa homes 2 and 3
mercedes, zamboanga city
lot area (sq.m.) — 120
floor area (sq.m.)– 65
available units — 149
total price — 600,000 pesos
developer — zamboanga engineers and contractors
blue homes subdivision
pasonanca, zamboanga city
lot area (sq.m.) — 200
floor area (sq.m.) — 46
available units — 6
total price — 973,000 pesoso
developer — blue shark dev’t and trading corp.
zamboanga teachers village subdivision
cabaluay, zamboanga city
lot area (sq.m.) — 110
floor area (sq.m.) — 33.5
available units — 104
total price — 563,000 pesos
developer — zamboanga 5DJ builders, inc.
October 17th, 2007 at 4:38 am
good day madam / sir!
can you provide me list of developers under pagibig housing loan program (house & lot - town house) located in molino, cavite or nearby areas.
thank you so much!
October 19th, 2007 at 3:24 am
sir/madam,
i’m a renter for almost 5 years, w/ a monthly payment of 4thousand pesos… suddenly, due to the financial needs of the owner, she decided to sell the said house to us amounting to 400,000.00. By the way, under po cya s pag-ibig, and 9 years p lang po nya nahuhulugan, w/c is payable po cya for 25 years. Do i have any legal options, kse wla naman po ako ganun kalaking halaga,member din po ako ng pag-Ibig. Ano po b ung nsa article 7.3.1 ng pag-ibig, ung tungkol po s refinancing ng existing mortgage. qualify po b ako dun?
i am hoping that you will answer all my questions. and i am very much thankful if you will give me some suggestions regarding my prob. thanks and god bless !!!!!!!
October 20th, 2007 at 11:39 pm
hi, would like to ask if ever i will aply for my housing loan at age 54 y.o. would it be granted? If so,can u give me a computation of my housing loan w/c has TCP of 1.5m,years of payt.,docs. needed & etc.
looking for your asap reply..thank u..
October 20th, 2007 at 11:46 pm
hi,i would like to ask if i can still continue being a pag-ibig member even if i stopped working already? If ever,as a voluntary member,how many years of contributions needed to be eligible for housing loan?…thank u..
October 21st, 2007 at 12:24 am
dear everyone,
i have two additional posts on pag-ibig fund’s housing loan guidelines.
one concerns the steps to taking out a pag-ibig housing loan and the requirements needed. see post here: http://realestate.cebunetwork.com/24/easy-steps-to-a-pag-ibig-housing-loan/
the other is on the amount of housing loan that a pag-ibig fund member can avail of based on his or her net income and the monthly amortization that he or she needs to pay. see post here:
http://realestate.cebunetwork.com/27/pag-ibig-housing-loan-and-net-income/
October 21st, 2007 at 5:32 am
michael,
i think some arrangement can be made for your case with pag-ibig. please visit your nearest pag-ibig fund office and inquire with housing loan officers there.
sheila,
yes, you can continue to contribute to the pag-ibig fund as voluntary member. the agency requires that you must already have a minimum of 24 monthly contributions (equivalent to two years of membership) before you are allowed to take out a housing loan.
October 21st, 2007 at 5:40 am
elpidio,
since you are 54 and pag-ibig requires that you must not be more than 70 years old at the time of loan maturity, then your loan term must not exceed 16 years.
please see my posts on pag-ibig housing loan steps and requirements and amount of loan that a pag-ibig member may avail of depending on his net monthly income and loan term and monthly amortization for different loan amounts. i’ve placed the data in tables so they are easy to read.
October 21st, 2007 at 1:37 pm
Gusto ko pong malaman ang mga patakaran kung paano ako maku-qualify na makakuha ng hounsing loan through Pag-Ibig fund. Mayroon akong lote sa Bulacan, Pilipinas at gusto kong patayuan ng bahay. Noong ako ay nagtatrabaho sa Pilipinas, mula 1972 hanggang 1986 ay naghuhulog ako sa Pag-Ibig Fund. Pero sa ngayon ay naka-base ako sa U.S.A. at interesado ako na magkaroon ng sariling bahay sa Pilipinas.
October 23rd, 2007 at 8:27 pm
Magtanong lang po ako sa requirements nang Ofw sa housing loan dito sa pinas,pariho lang ba sa naka post na requirements,ilang araw po ang approval ninyo.
October 24th, 2007 at 3:01 am
Gud pm poh bakit mga OFW lang ang pinapayagang mag loan ng bahay at lupa? wala poh bang kming karapatan na mag loan ng bahay at lupa ? khit dito lang kmi sa pinas nag trabho sana poh ay bigyan din ninyo kmi ng pansin salamat poh
Dhen
October 25th, 2007 at 1:17 am
lena,
pag-ibig requires that you must be an active member of the fund before you can take out a housing loan. you may enroll in POP or the pag-ibig overseas program and could qualify for a housing loan once you complete 24 monthly contributions, which could also be done through a one time or lump sum payment for housing loan purposes.
aisa,
read this post for pag-ibig’s housing loan requirements and additional documents required of borrowers working abroad who will avail of a housing loan in the philippines.
http://realestate.cebunetwork.com/24/easy-steps-to-a-pag-ibig-housing-loan/
dhen,
if you’re a pag-ibig fund member, whether you’re working in the philippines or abroad, you qualify for a housing loan as long as you meet pag-ibig’s eligibility requirements.
October 25th, 2007 at 2:45 am
sir/madam,
gud pm po…ask ko lang…kailangan po ba regular employee pag nag avail ng housing loan???? and baka po meron kayong alam na rent to own worth 3hndrdthousand to 5hundredthou.lang…bacoor or imus cavite lang po sana!!!-tnx
October 26th, 2007 at 8:58 am
hi…ask lang po if pwede ba akong mag housing loan since mag aapply palang po ako ng pag-ibig…pwede po bang i lump sum payment for 2yrs to qualify for a housing loan?thank you…
October 30th, 2007 at 11:00 am
Ask ko lang po ilang percent po ang pwede loan against appraised value ng property
October 31st, 2007 at 1:11 pm
hi…i just want to ask… i want to apply for pag-ibig loan..amounting to 880,000 payable in 30 years…may i have an idea of the monthly amortization before i can apply? so i’ll find out if kaya ng budget ko…thank you very much..hoping to hear a reply…
November 2nd, 2007 at 5:14 am
im an ofw and not a member of pagibig, what are the possible fastest way to be a member so i can avail its benefit and privilages?
November 5th, 2007 at 5:40 am
noelle,
pag-ibig requires that you must be an active member of the fund, which means that you are paying your monthly contributions regularly, before you can avail of a loan. you don’t have to be regular employee, there are members who are self-employed or voluntary members. i don’t know of rent-to-town house and lot units in bacoor or imus, cavite. but in a few days i might find time to post some subdivision developments featured in pag-ibig’s pabahay program. thanks for your patience.
riza,
pag-ibig allows lump sum payments (a single payment for two years worth of membership) for people who wish to avail of a housing loan but who are not members yet. please check with your nearest pag-ibig office if you are interested in this process. please remember, though, that contribution is just one of the factors taken into contribution by pag-ibig when it evaluates housing loan applications.
ann,
check out the post below. in the post is a table listing loan amounts, loan terms, and monthly amortizations. at the very end of the post, click on link leading to continuation of amortization table for loans above 750,000 pesos.
http://realestate.cebunetwork.com/27/pag-ibig-housing-loan-and-net-income/
randy,
the fastest way would be a lump sum or single payment of two years worth of membership, which is what pag-ibig requires before a member could qualify for a housing loan.
jayjay,
it depends on a lot of things and the percentage varies with the kind of housing units so please check with your nearest pag-ibig office to determine what applies in your case.
November 6th, 2007 at 1:19 am
Magkano po ba pwede kong i loan? 15 years na o akong member ng pag ibig at magkano po ba ang monthly na babayaran ko pag nakapag loan ako.
November 6th, 2007 at 6:11 am
I would like to have a list of devlopers somewhere in Liloan or Compostela…thanks…
November 7th, 2007 at 9:53 pm
helo…
kelangan po b tlga n merong collateral para mkapag housing loan?? e pano po yung walang pang collateral? kahit capable naman po na mabayaran ang monthly amortization… any other option? pls help… thanks>>
November 10th, 2007 at 1:46 am
hello i want to buy a 2 storey house in cavite or tagaytay worth of 250,000 pesos atleast 2 bedrooms and 1 toilet.. thank you…
November 10th, 2007 at 11:49 pm
nel,
the amount of housing loan you can take out depends on four factors: the amount you need (cost of housing unit you want to buy), your contribution, your capacity to pay the loan, and the loan-to-collateral ratio (this refers to pag-ibig’s coverage of the property you want to acquire). please take note that pag-ibig chooses from among the lowest of the above factors in determining the loan amount. in my post above is a table that lists the possible amount you could take out as a loan based on your monthly contribution. the post below on the other hand lists the required net disposable income of a member and the corresponding loan amount he or she may take out.
http://realestate.cebunetwork.com/27/pag-ibig-housing-loan-and-net-income/
November 11th, 2007 at 12:05 am
connie,
the property that you will acquire with money from the proceeds of the pag-ibig housing loan will become the collateral of your loan. pag-ibig will foreclose the property and get it back if you fail to pay the monthly amortizations. the loan-to-collateral ratio in the above post refers to the percentage of housing loan that pag-ibig will cover based on some policies of the fund. for example, pag-ibig will cover 100 percent a housing loan that is only at 300,000 pesos and below. this means they will release this much amount to fund a member’s acquisition of a housing unit at this cost. if the coverage is only 90 percent, the member will take care of the remaining 10 percent of the loan. if we use this computation on a 1-million loan, only 900,000 will be covered and the 100,000 will be take cared of by the member-borrower.
dianne,
will try to find a list of developers for you.
November 11th, 2007 at 9:11 pm
i am a faculty member! I just like to ask the porocedures and the requirements needed if i will avail of your house improvement loan! thanx to ur reply
November 12th, 2007 at 8:51 pm
Hi! ask lang po, kung pwede mag loan ang non-member. thanks!
November 13th, 2007 at 7:33 am
hi. im planning to buy a house worth 1.5M at guadalupe mansions. if i avail the 20-year term and my monthly ney pay is 21,000PhP, what’s gonna be my monthly ammortization including interest for 20years? please i need ur help. maraming salamat po!
November 15th, 2007 at 7:28 am
hello..
i just wanna ask if i can now avail your salary loan offered.. also my status of contribution…how many months…
i appreciate if you a response…
thank you .. god bless
EDIZA FEROLINO BUENA
November 15th, 2007 at 11:59 am
may office po ba ang pag_ibig sa Olongapo? san po kaya pwedeng mag inquire na malapit sa Olongapo? I am not yet a member, pwede po kya na pag nag member ako, I will just pay the amount that will sum up for my 2 years contribution then get a loan?
November 18th, 2007 at 9:24 am
Gud day im a member of pagibig i just want to know if there is still available area near motalban rizal and cainta? thanks
November 19th, 2007 at 12:07 am
Hi,
If I will loan for home development, is it required to present the Lot Title under my name, or a Deed of Sale under my Mother’s name would do?
Thanks.
November 19th, 2007 at 6:53 am
Hi, what if I would like to buy a property from a developer that does not provide option for pag-ibig financing, can I borrow from pag-ibig the amount that I need to pay the said property? Thanks.
November 21st, 2007 at 3:14 am
hi, i’m a pag-ibig member for 4yrs with my previous employer. I applied in a different company and stayed for 5 months. today, I’m with a new employer and been here for 5 months now. my question is how much would you think (more or less) will be the amount pag-ibig would grant me for a housing loan. Also, where can i get a w2, which is one of pag-ibig’s housing loan requirements, considering that it’s been a year or so after i have my 2nd job. and some months after i have my current job? tnx. -= mike =-
November 21st, 2007 at 4:42 am
hi.. I would like to ask regarding purchasing a new house and lot from a subdivision here in Consolacion, Cebu City amounting to Php800k . I was informed that I can have it paid by cash or through pag-ibig loan then monthly installment for 25years. I’m not pretty much aware regarding purchasing house and lots through pag-ibig. May you enlighten me on this matter.
November 21st, 2007 at 11:23 pm
vivian,
the housing improvement loan is also considered a housing loan and the same eligibility requirements apply. the agency will also ask for the same requirements listed in the post below but the steps to follow will be different.
http://realestate.cebunetwork.com/24/easy-steps-to-a-pag-ibig-housing-loan/
i don’t have a step-by-step list for pag-ibig’s housing improvement loan but i may write about the matter in a future post. i will inform you at once when its done.
gloria,
one of pag-ibig’s requirement for a housing loan is that the borrower must be a member of good standing of the fund. also, he or she must have paid at least 24 monthly contributions so he or she could avail of the housing loan.
jen,
please read the post below for the answer to your question. i’ve included tables in this post showing the required monthly income and monthly amortization for the different amounts of loan and loan terms.
http://realestate.cebunetwork.com/27/pag-ibig-housing-loan-and-net-income/
ediza,
please inquire with your nearest pag-ibig office for those data.
love,
the link below lists pag-ibig offices, telephone numbers, and addresses.
http://www.pagibigfund.gov.ph/dirREGIONS.HTM
pag-ibig allows lump sum payments so a prospective borrower could meet the membership requirement but there are other considerations taken into account when you take a housing loan. please read these other posts on pag-ibig’s housing loan program.
http://realestate.cebunetwork.com/27/pag-ibig-housing-loan-and-net-income/
http://realestate.cebunetwork.com/24/easy-steps-to-a-pag-ibig-housing-loan/
November 22nd, 2007 at 3:59 am
Good day sir,
Im a member of Pag-ibig about 10 yrs.I would like to know if im quilified to loan a housing loan because of my age.Im 47 yrs.old now.and where can inquire for a housing loan thank you very much i need your answer.
thanks
harley
November 26th, 2007 at 2:04 am
hello po…can i apply for a loan for house construction on a lot i purchased under bank financing (not yet fully paid)? (i’ve met all pagibig requirements for contributions, etc.)
November 27th, 2007 at 7:07 pm
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November 28th, 2007 at 3:01 am
how to avail a housing loan? Im more than 2 years member of your oraganization. I just wanted to renovate my house for finishing..I owned the lot and house, all I wanted to do is to have housing loan for finishing of my house…Kindly need your advise sir/madaam..thanks…
December 3rd, 2007 at 1:42 pm
hi, i am a pag-ibig member since 1997 up to july 2004 and my office was located in makati city. I had a MPL before i resigned in 2004 and i already emailed pag ibig office to inquire or to update my MPL kasi alam ko may arrears na ito but i dont have any idea how much. Wala po kasi ako sa Manila mulam 2004, di ko na po alam kung ilang contributions na ako at gusto ko po sana ma-update ito at malaman sana kung magkano ng arrears ko kasi gusto kong maayos ito at mabayaran sana kung magkano ang arrears ko para makapag loan ako sa housing loan.
please advise. maraming salamat.
December 4th, 2007 at 2:05 am
can you forward to my email account my pag - ibig number for me to see and open my contributions to pag - ibig fund because i dont what site am i going to open for me to know my pag - ibig number
December 8th, 2007 at 10:33 am
gud pm,
i would like to ask for list of any housing programs around valenzuela city? and also how much loan is allowed if im earning P8,139.00 a month?
thnx
December 9th, 2007 at 1:43 am
Hi. I am an OFW in Dubai and i’d like to acquire a farmlot in Cebu through HDMF loan. Can you please help me to find one? I already attended a housing loan seminar.
December 9th, 2007 at 9:07 am
pano po ang gawin pag gusto ko po saluhin ang isang property na under p din ng mortgage sa pag ibig? please reply po
December 9th, 2007 at 8:09 pm
noel,
you can apply for a loan to complete payment of your lot and for house construction.
jomar,
the same general steps for housing loan apply for house improvement loan. you still need to attend the counseling session, get a membership status verification slip (takes from 5 to 7 days), pay processing fee, submit documents proving ownership of house, among others. visit your nearest pag-ibig office to start the process now.
leth,
if you’re out of the country, you can authorize a friend or relative through an authorization letter to follow up your pag-ibig mpl and membership status. pag-ibig requires a special power of attorney (spa) in cases of members abroad taking out housing loans.
rhea,
this is not a pag-ibig website. what i know is pag-ibig does not forward numbers of members to email accounts. you have to visit the pag-ibig office to get this information. you have to show proof of identification before pag-ibig gives you this information.
albert,
i’m focusing on cebu at the moment so i don’t have a listing for valenzuela. as to the amount of housing loan you can take out if you are earning around 8,000 pesos a month, please check the post below:
http://realestate.cebunetwork.com/27/pag-ibig-housing-loan-and-net-income/
jaymie,
if you’re in dubai, you will need to have a representative, empowered by a special power of attorney, to handle the transaction for you here. this is a requirement of pag-ibig for those members living or working abroad who wish to take out a housing loan.
i’m just a new broker and i still have to get my license i really don’t have a listing for farms. but you might be interested in these real estate ads that came out in the sun.star cebu newspaper classified ads:
1. rio blanco farm — barili, 3-hectare rolling hills, coconut and vege plantation, by national highway, P400/per sq.m.
2. coconut plantation — barili, 110 hectares/P150 per sq.m.
(2380044)
—————–
3. 17 hectares at P100/sq.m. with 700 mango trees in busay, cebu city (4229432)
—————–
4. clean title, 8,961 sq.m. at P700 per sq.m. with 72 mango trees, kalunasan, near camp marina
(2310907)
please take note that i do not vouch for any of these properties.
marlyn,
please inquire with your nearest pag-ibig office about this. i’m not familiar with the rules governing transfer of mortages from one person to another.
December 9th, 2007 at 9:01 pm
good am…. i want to know if i can loan for house only… i have my lot… I am 33 years old and I am member for almost 10 years….
December 9th, 2007 at 9:15 pm
hello po… ask lang ako.. if i can apply for house construction… i have my lot… i am a member for almost 10 years…
December 14th, 2007 at 8:08 am
ma’m tanung ko lng po meron po ba na housing loan na malapit lng dito sa Caloocan…kasi po gusto ko po sana kumuha ng housing loan at papaano po ba? Matagal narin po akong member na Pag-ibig…almost 6 years na rin po…
December 17th, 2007 at 7:31 am
good pm po.my husband po is a pag-ibig member since 1996.
paano po ang pg process ng housing loan and kung meron po ba d2 sa san pedro laguna area? thanks po
December 23rd, 2007 at 11:16 am
gud pm po member po kmi mag asawa sa pag ibig ako po private sector since 2003 ang husband ko po govt. employee mmember since 1999. pwede po ba namin icombine ang contribution namin? may nagustuhan po kase kming townhouse bandang san mateo rizal, gusto ko po sana magseminar gusto rin po namin ang mode of payment ay 25 years.nagpacompute po kmi sa developer ang loanable amount po ay 520,000.00. hingi po sana ako ng advice kung ano po ang gagawin namin. thank you very much po.
December 27th, 2007 at 5:18 am
I’m an OFW base in Saudi Arabia, nais ko pong makakuha ng house & lot in Dumaguete through HDMF loan. Can you possibly give information on how i can acquire one? Thanks and God bless.
December 28th, 2007 at 8:03 am
i worked before for about 2 and half year but now i stop working but my husband is working abrod. i want to avail a housing loan. how can i?
January 3rd, 2008 at 4:57 am
good afternoon po…jaz wanna ask po if meron po ba kayo ngayon available na list na sakop for PAGIBIG Housing loan? naghahanap po kc kmi ng pwede naming hulugan na house na magiging amin na din someday kc po sayang naman pag lagi lng kmi magrerent. preferred po sana namin makati area o kaya po ung within metro manila po sana…thanks
January 3rd, 2008 at 10:56 am
good day,
just want to know if i will apply for housing loan now how long the processing will it take? coz we already have a prospect here in mercedes zamboanga city and it requires really soon. thanks
January 4th, 2008 at 5:30 am
THE ADDS WE SAW ON TV REGARDING THE HOUSING LOAN AT 1,900/MONTHLY PAYABLE FOR 30 YRS, IS IT APPLICABLE HERE IN DAVAO? WHAT ARE THOSE SITES?
January 7th, 2008 at 12:21 am
Gud am,
I just want to know how can i avail of a housing loan at or near Sandiganbayan area. My wife and I is presently living at Deparo Caloocan area through Pag-ibig Housing Loan, which is very far from our work. How much will be my budget and cash out if there is any? Hope for your immediate response. Ty
January 7th, 2008 at 6:41 pm
ask po ako kung puwede ako makakuha ng abandoned unit dito sa bagong lipunan condomium, western bicutan, taguig city sa pamamagitan ng pag ibig housing loan?
thanks po
January 8th, 2008 at 8:07 pm
gud am… i hav an existing hsing loan wen i was stil working wd d gov’t. i was suposd 2 transfer 2 our hse n gardenvillas n sta rosa, laguna las 2006 but d developer, drydock corp required us 2 pay d full amt of d equity. i had only 4-mos left 2 pay 4 our equity & we requested f we can move already as we reli nid 2 mov out frm our previous hse. but drydock required us 2 pay d ful equity. but unfortunately, our agent had problems wd mgt of drydock afecting us. so we had 2 temporarily hold pymt of d remaining 4-mos balans frm our remaining equity.
as of now, i hav resigned frm d gov’t & m now wd a pvt co. but i stil continue my pymt 4 montly contribution as m being deducted by my present co 4 it.
wud it b pcble f i kansel my previous hsing loan wd d developer drydock & aply 4 anader hsing loan wd my present employment n pvt company??? i hav already filed a complaint wd ur legal div las 2006 as i felt dat drydock has taken advantage of my trust n confidence n der promotional gimiks ??? tnx & Godbless…
January 9th, 2008 at 5:20 am
ask lang po qng meron kaung housing loan near malate… ty
January 12th, 2008 at 11:50 am
hi, puede nyo ba akong mpdlan ng diff broker pra makakuha akong ng rent to own, im 40 yrs old and OFW working d2 sa Macau China
January 14th, 2008 at 4:53 am
how much my monthly amortization would be if I apply for a housing loan amounting to 500,000? Should I pay for a down payment? thank you
January 15th, 2008 at 7:04 am
Hello! I’m from the Province of Lanao del Norte. I’m interested to avail the lot purchase program of PAG-IBIG.
Would PAG-IBIG purchase a lot from a mother title? I mean, kahit wala pa na sub-divide?
thanks very much..
January 15th, 2008 at 8:55 am
ask ko lng po kung mron po ba kaung housing loan na yung ipapa assume po. mron po ba d2 mlapit sa balagtas or sa bulacan
January 15th, 2008 at 11:07 am
im liezl sarabia. i wanna know my id. no here in pag ibig. due to di ko po lam ung no ko. pwede k rin po b continue ung hulog ko before??? kc po right now im student na uli. kindly email me. plss..inform me asap where do i find my no. and where do i report this cases.
January 21st, 2008 at 7:50 pm
Hi! Good day!!!!
Ask ko lang. I’m planning to housing loan which is cost P650,000, but base from my contribution which P200 my loanable amount are P500,000. What are the way to upgrade my contribution from P200 to P250?
Thanks a lot
January 22nd, 2008 at 6:20 am
hello po..ask ko lang po kung pede po ba ko makapag housing loan sa pag-ibig but i will take out the cash..since ang unit na gusto ko ay payable po cya thru in-house lang..pede po ba ako makapag loan kahit wala akong pang-collateral?ano po ung maximum na amount na pede ko mai-loan considering na 20T po ung monthly income ko?
hope for your kind response..maraming salamat po..
January 22nd, 2008 at 9:39 am
we would appreciate it very much if you can give us another chance to apply for a new housing loan in order to avail of the low interest rates that are being availed by the new borrowers. my housing unit was foreclosed because i could no longer sustain the high monthly amortization of 10,500. At the start (1999),i was paying 5,500 monthly but after series of restructuring, it went up to as much as 8,000. 3 years ago, it was reduced to 3,990 per month for a period of 3 years only but after the lapse of the said period, it shoot up to 10,500 which is no longer sustainable, thus prompting me to give it up. i feel it unfair for us who have availed in the early years because we were charged of a high interest rate (16% per annum) while the new borrowers are enjoying the prevailing interest rate which is very much lower (7%). I hope you will understand our predicament. we do not want to end up renting. like them, we also want to have a home to call our own. we hope that you will bring this matter to proper authorities so they can hear our plea. let this be an instrument to ease up our sentiments.
January 24th, 2008 at 4:06 pm
just would like to know the process of taking advantage of housing loan?
January 24th, 2008 at 4:07 pm
in addition, I am really not sure how long i have been contributing to pag-ibig. is there an easy access to website to find out if i will meet the requirements?
January 24th, 2008 at 4:09 pm
would you mind, giving me my options as well for housing loan. thank so much
January 26th, 2008 at 10:58 pm
1. We only have rights (amilyar) on the lot we purchased 6 years back. Is there any way, I can be qualified for a housing load.
2. Our local govt, Olongapo City, doesn’t seem to process land titling outside the mass titling procedure. we’ve been processing since two years back and they just keep on telling us to come back later. well, we did and same response we got.
3. Will loan still be granted to the contributor, even if the land rights/title is not in his name.
January 26th, 2008 at 10:58 pm
1. We only have rights (amilyar) on the lot we purchased 6 years back. Is there any way, I can be qualified for a housing loan.
2. Our local govt, Olongapo City, doesn’t seem to process land titling outside the mass titling procedure. we’ve been processing since two years back and they just keep on telling us to come back later. well, we did and same response we got.
3. Will loan still be granted to the contributor, even if the land rights/title is not in his name.
January 28th, 2008 at 3:02 am
Hi,
Puwede po ba akong makahingi ng standard requirement ng pag-ibig para sa developer. Katulad po ng construction ng mga roads, drainage, lights, at ang bakod po ng subdivision?
Sana po ay ipadala po niyo sa email ko.
Thanks
January 28th, 2008 at 6:17 am
Sir/madam,
just want to ask if we can loan from pag ibig but salary not housing.hope you can reply to us.
January 31st, 2008 at 9:27 am
Question ko lang po, kung meron ka ng existing housing loan ang loanable amount na nakuha ko 180K and almost 8 years na rin akong naghuhulog sa pagibig. Would it be possible na pwede pa akong mag loan ulit? o kaya yung asawa ko na hindi naglo-loan sa pag-ibig? kung gagamitin ng misis ko yung pag-ibig nya, pwede pa ba syang mag-housing loan? Ano po ba kaya ang magandang gawin para ma-approve ang housing loan ng misis ko? salamat po
God Bless
January 31st, 2008 at 10:58 pm
pano po ako makakpag housing loan and meron po bang developer along mandaluyong city. ang kaya ko lang pong monthly is around Php.1000-1500.
February 1st, 2008 at 5:23 am
Im an OFW and my inquiry is how to re activate my Pag-ibig membership to avail a housing loan. program.I’ve been a member since 1994 through pag-ibig office in Jeddah but i did not continue paying my monthly contribution.in case i will made the full payment reqd with the scheme bracket of loan, how many months to get process the approval of my loan.
Thank you very much and more power
February 6th, 2008 at 11:51 pm
I just want to ask if 6 yr in contribution how much the amount I can avail?
February 8th, 2008 at 12:22 am
hi,pede ba me magloan if may collateral para sa home improvement need pa ba ITR Pano if walang itr….ano ang mga requirments?tnx po..
February 8th, 2008 at 5:23 am
may house and lot na po ako pero naka loan sa bank,puede po ba mailipat sa pag ibig ang loan ko at magbayad ako ng lump sum na membership of 2 years kasi ngayon pa lang ako mag member. maka avail ba ako. tnx po
February 11th, 2008 at 9:32 am
I JUST WANNA ASK WHERE I CAN GET MY ESAVPRINT OUT AND THE MSVS
February 15th, 2008 at 6:44 am
how will I check my pag-ibig contributions.
February 15th, 2008 at 9:42 am
ilan days po ba ang processing ng housing loan?
February 15th, 2008 at 1:24 pm
ask lang po kung ma aprubahan mga ilang weeks po bago ma release ang loan?
February 17th, 2008 at 9:05 am
I stop already the payment, coz of our company closed, If I continue the payment,as a self employed. Should I avail the housing loan program? What are the steps to do?
February 18th, 2008 at 12:04 am
I’d like to know the contact no and the name of the person handling the Post Dated Checks for housing loan. I’m trying to call your no. since last week but nobody’s answering. pls.help. thanks!
February 18th, 2008 at 3:05 am
tanong lng po, kung self employed po at kukuha ng housing loan, eligible b kumuha ng housing loan?ilang years dapat ang naihulog mo pra mkakuha ng housing loan?
February 18th, 2008 at 3:05 am
tanong lng po, kung self employed po at kukuha ng housing loan, eligible b kumuha ng housing loan?ilang years dapat ang naihulog mo pra mkakuha ng housing loan?
MARAMING SLAMAT PO!!!
February 19th, 2008 at 1:04 am
tatanong po sana ako kung pwede po ba ako ulit maka apply for housing loan for another house kasi na acquired asset po yung house ko na inaplayan at hindi tatanggapin nang pag-ibig partial payment ko kahit gusto ko po sana bayaran. ano po ma-advice mo posa akin?
February 19th, 2008 at 2:37 am
pano po kung gusto kong bumili ng house and lot clean title,pano po ung processing nun,the amount po ng house and lot is 900k,my salary is 20k above and i’m 9 ys. member of HDMF.Pede po b ko mag-avail ng loan?
February 19th, 2008 at 10:27 am
I want a loan of P2m but my monthly net pay is only P15t. Even if with my husband’s combined pay, we will not qualify for the P2m loan based on the amort. table. Will Pagibig allow me to get a co-borrower who has bigger capacity to pay. Up to how many co-borrowers can i get?
February 19th, 2008 at 10:27 am
tungkol sa aking house and lot loan…Ang halaga po nung aking nakuhang pabahay ay P560,000.00. sabi po nung developer, P540,000.00 po yung loanable amount sa pagibig. May P20,000.00 po na eqity, nabigyan po kami ng P5,000.00 na disMagandaang araw!!!! ako po ay may konting kahilingan count, bale P15,000.00 nalang yung aking equity. Ang computation po nung developer, P3,900+/ ang monthly amortization ko, payable in 30 years po. nung kinuwenta ko po sa loob ng 30 years umaabot na po ng mahigit 1 milyon ang kabuuan nung bahay at lupa…sa pag kakaalam ko po ay 7% po ang interest ng ganung kalaking halaga sa pag ibig. tama po ba ito? Nais ko po sanang himinge ng tamang komputation kung papano po nangyari ito.. salamat po at sumainyo nawa ang panginoon
February 21st, 2008 at 3:26 am
Query lang po ako, kung ang MPL loan ay gawing 1 year to pay so parang 1 month na deduction e maging 2 months na payment na po yun. Pwede po bang after 3 months makaloan ulit kasi po ang total na nabayad sa loan is 6 months na po.
Please reply to may email add-jenelyn.fuentes@flexo.com.ph
February 21st, 2008 at 8:49 am
is it still available sa may pasonanca yung blue homes subdivision? thank u!
February 21st, 2008 at 9:43 am
Hi! I’am not working kasi kadalasan part time lang ako pero I’am in abroad now. I want to have a housing loan… puede kaya kaso asawa ko lang ang nagwowork dito….puede kaya ako na lang mag-apply?
February 21st, 2008 at 11:14 pm
yung present house & lot na tinitirhan ko sa Camella Springville is under Home Morgage in Imus, then 3rd owner ako at hindi na inaasikaso ng 1st owner, malapit na rin ito maforeclose. Ang question ko, pwede ko ba ito iforeclose then ipareassess then ako na lang ang magbabayad under ng Pag-ibig?
Hoping for your immediate reply. Thank you…
February 22nd, 2008 at 5:57 pm
is it true that pag-ibig won’t approve your housing loan if you have an outstanding credit card balance or unpaid credit card and / or other loans?
February 22nd, 2008 at 11:29 pm
roy,
yes you may opt to take out a loan for the construction of a house. as to how much you can take out, this depends on your contribution, capacity to pay, and actual need.
roger,
i don’t have a listing of developers for caloocan. among pag-ibig’s requirements for a housing loan is counseling so you need to call the pag-ibig and ask when the schedule is. after the counseling, pag-ibig will give you a list of requirements.
ruby,
i don’t have a listing for san pedro, laguna area. but if you take time to visit your pag-ibig office, they may have a listing. these are called acquired assets–properties that pag-ibig have foreclosed and acquired from those who took out the loans but have failed to pay the amortizations. what i know is these units are much cheaper than those sold brand new by developers. i’m not sure if this is still existing but pag-ibig implemented a housing program beginning last september that allows you to take out these units through a housing loan at a 15 percent discount.
vicky,
you and your husband have a good chance of qualifying for a housing loan since you’ve both been members for more than two years. the primary requirement for a loan is a loan counseling attendance. check with your nearest pag-ibig office as to when the schedule is. the counseling usually lasts for 3 hours or shorter. once you’ve attended the counseling, they’ll give you an attendance report and give you a list of requirements.
check out the posts below for more on housing loans:
http://realestate.cebunetwork.com/27/pag-ibig-housing-loan-and-net-income/
http://realestate.cebunetwork.com/24/easy-steps-to-a-pag-ibig-housing-loan/
paymer,
you must first be a member of the pag-ibig overseas program and have contributed for not less than 24 months for you to qualify.
if you think you’re eligible for a housing loan, but can’t go home to take out the loan yourself, then you have to empower someone through a special power of attorney to do this for you.
ethel,
your husband can become a member through the pag-ibig overseas program or you may opt for voluntary membership since you are not working. what is important to qualify for a pag-ibig housing loan is for any of you to be an active member with contributions of not less then 24 months.
February 25th, 2008 at 8:21 am
Hi,
Ask ko lang, kung wala bang collateral d na ko makakapag housing loan? Kaya ko naman po bayaran monthly amortization ng P500000.
February 25th, 2008 at 8:27 am
Hello everyone.
Tanong ko lang, kasi balak ko mag loan ng around 400K para sa renovation ng house ng mother ko, since naka pangalan ung house sa mother ko and ako hihiram, pwede b icollateral ung house ng mother ko? or pano po b process nito? Ok lang b na walang collateral kc balak ko din bayaran ung proceeds in 30 years eh para magaan lang. Im earing 26K a month so ung 3K na amortization eh magaan lang. Pls help. Thanks!
February 27th, 2008 at 1:10 am
Hi! ask ko lng po,kong pwede po ba maka pag loan ang husband ko ulit khit meron loan na dati na hindi na tapos dhil na walan sya ng trabaho?
Please… reply thanks!
March 3rd, 2008 at 10:10 am
ask ko f myroon din ba pag ibig housing sa davao city.saan po ito at mgkano?gsto ko po ng 1500 pbaba lng ang monthly nito…yun lng po slamat.
March 7th, 2008 at 12:05 am
I am interested to buy the lot in cavite. Said lot title was still under the name of the original lot owner but it was already bought by a certain Mr. Balderama. He said the title was used as payment for their debts from him. He hasn’t transfer the title to his name but he has the original title with him. How are we going to do with that? what legal papers do we need coz we want to enter it to Pag-ibig.
Hope your can help me. Thank you.
Donna Eva
March 10th, 2008 at 11:06 am
nka avail ng loan ang anak ko for a thse 600loan,30YTP.bayasd na sdin reservation & full equity. but we would like to sell the unit kasi nalalayuan sya from her job. maari po bang ibenta na lang ang unit later & for her to get a new loan for a new hse? pls help. thank you very much & God bless you for your help.
March 11th, 2008 at 4:30 am
hi,
gusto ko lang pong malaman kung pwede po ba akong magloan ng house and lot, pero di n po kc ako nkkpaghulog ng pag-ibig contribution since umalis ako ng pilipinas at ngtrabaho s ibang bansa. di ko nmn po alm n pwede p lang ituloy overseas ang pagbbyd ng pagibig ky nhinto po ako s paghuhulog till now. pwede nyo po b ako iadvise through my email kung ppano ang ggwin ko in order to loan a house and lot.
thanks
nette
March 13th, 2008 at 7:54 am
I am an Employee of National Food Authority since October 1, 1997. And I availed Housing Loan thru Pag-IBIG HDMF. Kindly sent to me the TCT number of the lot i have loaned. this data shall be used in declaring my Assets and Liabilities. Thanks and regards
March 13th, 2008 at 7:55 am
I was employed at NFA Santiago City, Isabela, Region 02 then when I availed that loan. thanks
March 15th, 2008 at 8:31 am
may ibinebentang bahay ang kaibigan ko sa bagong barrio east caloocan city,ang halaga po ng 1,200,000 pesos at 74 sq.mt bayad na raw sa NHA, gusto ko pong malamang kung puede ko po bang iapply sa pag ibig at kung sakali po sa loob ng 10yrs. magkano po ba ang hulog ko? 12% pa rin po ba ang interest? ang sahod ko po sa amo ko dito sa hong-kong ay hk$5,600 pero ang nakalagay lang po sa contract ko ay 3,860 para daw po hindi mabigatan sa pagbayad ng long service kapag umalis na ako sa kanila,ang kaya ko lang pong hulog ay 20,000 pesos monthly kung maaaprovebahan ang application ko,
respectfuly yours,
irene
March 17th, 2008 at 6:57 am
HI!
Just want to ask: What if a certain individual got a loan from a certain bank and had his hos e and lot for his collateral and unfortunately this individual wasnt able to pay his house and lot was taken by the bank from where he got his loan and that bank is now selling the house can I still apply for a loan via Pag ibig to acquire that house and Lot????
March 24th, 2008 at 2:57 am
Can i ask where in san pedro, laguna is your accredited location for housing loan
March 28th, 2008 at 1:42 am
hi ma’am! i work in a private firm. My income includes a monthly salary and a quarterly commission. other than that, i have other allowances such as gas and phone bills which are shouldered by the company. In this situation, can the basis of my net disposable income not be my monthly salary but my yearly income divided by 12? hope to hear from you soon.
thanks and more power!
March 30th, 2008 at 3:00 pm
hi!magtanong lang po sana ako member po ako ng pagibig naka fully paid na po ako ng 24months sa membership eh gusto ko po sana magloan ng salary pwde po ba ganun at anong requirements?plz reply sa email ko
March 30th, 2008 at 3:09 pm
hi gud day!
isa po akong member ng pagibig noong aug.30 2005 -until june 30 2006 tapos employee po ako ng deped12 meron kming membership sa pagibig noon pero ang sabi nila sa amin nd kmi pwde mag loan paano po ba iun eh samantala nagremit nmn kmi at binabawas nila sa aming sweldo, pwde ko po bang ipagpatuloy iun na hulogan? sa ngaun po nagpamember ako uli ng pagibig OFW d2 sa kuwait pwde po bang malaman if continue ko iung membership ko sa deped 12? plz reply
tnx
norhana
March 31st, 2008 at 6:57 pm
i am looking to buy a house and lot here in davao city through pagibig any help is welcome
April 1st, 2008 at 4:02 am
Good day,
Question ko po ay kung nakatapos na po kami mag bigay ng mga equity sa developer at nakapag msvs na rin po kami, pero wala pa po notice ang pag ibig kung kelan ang first salary deduction namin, or kahit wala pa po ba ang notice from pag ibig ay kailangan naba namin mag bayad agad or wait pa namin ang notice ng pag ibig. Medyo po naguguluhan kami, kasi sabi ng developer namin ay kailangan na namin mag bayad ng first month, which is wala pa pong dumadating na notice sa opisina ng work namin para kaltasan na kami. Please help kung paano po ito.
April 3rd, 2008 at 2:05 am
Good day!may plan po ang husband ko n mag house construction loan.but ung loanable amt. lng nya is 500k if gus2 nya gawin 700k ano po b pwede nyng gawin?
Pareho din po kming member ng pagibig for more than 2yrs.so it means n pwede po kmi joint s loan?pero may unpaid salary loan po ako s pag ibig lst oct. kasi ngpunta n po ako d2 s dubai.and also hindi ko nrin po nhulugan ung contribution ko from oct.’07 onwards.pwede po bng bayaran ko nlng lhat ung liabilities thru my husband since wla po ako don pra pwede akong maging co-borrower nya.
April 3rd, 2008 at 8:45 pm
LOOKING for a HAUS for SaLe..
Location at MARILAO BULACAN, Decca Homes Subdivision
for inquiries pls call ot txt me 09233127434
April 8th, 2008 at 4:39 am
good afternoon gusto ko lang mag tanong sa pag-ibig office kung pwede po ba ako mag apply ng housing loan, may lot na po ako tapos gusto ko na kami lang po ang mag kontraks ng bahay, okey lang ba sa pag-ibig ano po ba ang mga requirements pag mag apply ako ng ganitong paraan, Im the goverment employee pero nag apply po ako nang multi purpose loan bali second loan na po ako ng multi purpose loan sana ma bigyan nyo po ako ng advice kung ano ang gawin ko for housing loan kasi ayaw kung kumoha ng housing through subdivision
thank you and more power
April 13th, 2008 at 6:31 am
Dear Sir / Madam:
In 2004 me and my boyfriend decided to purchased a housing in Mabuhay Homes II at Mamatid Laguna and that transactions were done under my name granting almost 500K (not sure) amount to the broker/developer. After paying the reservation and the two consective month for the Monthly Amortization, we decided to back it off due to unexpected happenings and just left it hanging without any formal arrangement from my broker (just simply informed her in text).
How can I fix those things out and can I still apply for a housing loan? I am an active member for six years and I still have balance in my salary loan.
Thank you very much! God Bless!
April 13th, 2008 at 12:34 pm
hi, i’m from cagayan de oro city and i’m planning to be a member of pag-IBIG, im only 28 years old… i’m a businessman (internet cafe) can i avail that housing loan after 2 years of membership… pls. pls reply… i need to know… thanks a lot….
April 15th, 2008 at 3:46 am
I WANT TO CONSTRUCT A HOUSE IN A LOT OWNED BY MY HUSBAND’S FATHER….I AM A MEMBER FOR 26 YEARS WITH A MONTHLY NET TAKE HOME PAY OF PhP6,900.00. CAN I AVAIL A HOUSING LOAN?
April 15th, 2008 at 3:58 am
good day po!
i am already a pag ibig memeber and have been contributing for 4 years now thru my previous employer. right now i just started with my ner employer, was hired jaus last april 1, 2008 and contribution still continues.
Can i already avail of a housing loan despite the change of employer?
Can i avail a housing loan in which the location is in cagayan de oro city and i am based here in mandaue city, cebu?
hope to hear from you po.
Thank you.
April 15th, 2008 at 4:00 am
SOME CORRECTION FROM MY PREVIOUS QUESTION….I AM A MEMBER FOR 26 MONTHS NOT 26 YEARS…AM I ELIGIBLE FOR APPLYING A HOUSING LOAN ?I DONT OWN A LOT .BUT MY HUSBAND’S FATHER TOLD US THAT WE COULD BUILD A HOUSE ON HIS LOT(WHICH SOON BE INHERITTED BY MY HUSBAND).
April 16th, 2008 at 3:45 am
Good Day!
I am departing ofw.I need to know how to apply housing loan and what realestate offers low monthly amortization.I like single story bonggalow type house with 3 bedrooms, garage and have fence, Near Cebu City.
Thank you very much and I’m looking forward for your reply soon.
April 18th, 2008 at 3:26 pm
ask lng po ako kung how many months yung approval ng housing loan?and how much nman po ang puede kong ma loan if my income
salary was only 15k a month?thanks po…
April 29th, 2008 at 4:54 am
hi! I am a pagibig member for 8 years already, I havent ahd any loans with pag ibig, I was wondering if i can have a renovation loan for my mom’s house. what are the steps and requirements i need to take. i have been asking a lot of people already from pagibig and it seems that they have different procedures. it is really confusing.
thank you.
April 29th, 2008 at 9:12 am
I am planning to buy a house and lot, I will loan it thru Pag-ibig. The owner of the property is separated and she told me that during the time that she acquire the property she and her husband were already separated. Do we still need her husband consent(signature) to make our transaction legal?
May 1st, 2008 at 11:27 am
Can i still avail a housing loan even if i only have 6,700.00 net pay but i have loans to paid up soon that can make my net pay rises this year?
May 4th, 2008 at 10:23 pm
am i right po ba na ang pag-ibig fund ang nagbabayad sa developer kapag approved na ang loan sa inyo? & Before you pay the developer do really check the house kung talagang tapos na at pwede ng tirhan. kung YES po ang sagot nyo. what if po kung may maipakita akong subdivision sinisingil nyo na yong tao dahil approved na aloan sa inyo pero hindi pa pwede tirhan ang bahay?
May 11th, 2008 at 11:20 pm
Good day,
Pls let me know po if there’s any feedback as to the approval of my housing loan..your davao office already sent the MSVS last week since my remittance is in pasig though i worked in davao under San MIguel Foods Inc. The developer who’s building the house is asking for an update as to its approval po.
May 11th, 2008 at 11:21 pm
by the way….Thanks a lot
May 12th, 2008 at 4:10 pm
Gooday,
Just want to ask if The Fiesta Communities is also covered by pagibig?
Thank you po
May 13th, 2008 at 5:05 pm
hi!
i’ve been a member since 2003 and now i’m thinking of acquiring a condo unit. the advertiser said it’s on a rent-to-own scheme for 15 years. the monthly amortization is kind of high and interest gets higher as you extend loan period. will it be possible to apply HDMF loan of upto 25 years so i can pay the condo in full? if yes, what would be the basis of my maximum loanable amount? is it my latest contribution (200 my share + 100 emp share monthly) for 2 years or my contribution for 3 years (300 my share + 100 emp share monthly)
thanks!
May 14th, 2008 at 8:02 pm
What should i do if my MSVS was lost? As per your office it was already delivered last 05/02/08 to my developer Moldex Realty Marketing Inc. but when i inquired to the office of Moldex they did not received my MSVS. Thank you and i hope you could send me feedback on my problem.
May 15th, 2008 at 11:07 am
[…] To know some eligibility requirements of the agency, check out Pag-Ibig’s housing loan guidelines. […]
May 19th, 2008 at 3:15 am
hello po! Gusto ko lang po malaman kung pwede po ba kami magloan ng pampatayo ng bahay kc may lot available na po kami sa nabiling house and lot ng sis. in law ko kaso wala lang po kaming pampatayo ng bahay mismo.
May 19th, 2008 at 9:44 pm
gusto ko lang po sanang malaman,kung sakaling i will upgrade or change my monthly contributions to 200 or higher would that be possible? because as of this moment im only contributing as low as 100..and i want to avail a much higher housing loan amount so that i could afford the house i dreamed about. would that be possible???
May 20th, 2008 at 12:49 am
I discourage you to stay from projects developed by the developer Dry Dock Corp or DDC Land. I have a friend who bought a unit at Garden Villas 3 in Sta Rosa, Laguna and had so much headaches, complaints and until now his problems on living and having an affordable and headache free or less problem house is still not acted upon. So much promises has been given to my friend and the developer does not have qualified engineers and construction workers. I am not aware of the entire experience that my friend had but i could say it is not fair to be treated as a customer/homeowner with a home of no quality.
May 26th, 2008 at 10:46 am
i would like to know what are the requirments for Pagibig application for OFW?
May 27th, 2008 at 2:33 am
ask ko lang po, almost 8 yrs na po akong nakapag hulog sa pag ibig tapos nastop po ang contribution ko for past 2 yrs na, pede parin po ba ako mg seminar at maka avail ng housing loan?
May 27th, 2008 at 5:08 am
To whom it may concern,
Can I refund my contribution when? and what is the requirements?
Thanks Ed
May 30th, 2008 at 6:47 pm
May I know if I could loan more than 1M if my monthly contribution with Pag-ibig is only Php200.00 from me and my employer? If not, what should I do so that I could loan that amount? Tnx I will be waiting for your reply…
June 2nd, 2008 at 9:21 pm
Dear Sir/Madam,
May I know which proper department I have to visit about my concern on the house I sold years ago (thru PAG-IBIG). The buyer and I, however, have a deed of sale and other pertinent documents regarding the sale of property. According to your PAG-IBIG office in Makati, both the buyer and me should go to the PAG-IBIG office to sign a release a document stating the transfer. However, with all the effort I exerted, the buyer doesn’t want to cooperate so we could settle everything. In this regard, may I know which office should I have to visit as I would like to clear my records.
Respectfully yours,
Jesus dela Torre
June 6th, 2008 at 2:17 am
may housing projects poh ba ang pag ibig dito sa parteng cavite? carmona, cavite poh specifically? pano poh ang proseso? penge naman pong contacts to talk to. thanks
June 15th, 2008 at 11:27 pm
Good day! Just want to inquire if you you have a housing projects in cainta, Rizal that is a bit distant from Ortigas or in Antipolo near Ortigas also. I want to avail it thru pag-ibig housing loan. I am a memeber for 8 years already. I will wait for your advise.
June 19th, 2008 at 5:37 am
i want to know if pag-ibig takes interest from the money they are lending
June 20th, 2008 at 4:31 pm
hi musta po sir/madam,
gusto ko po sanang kumuha ng hulugan na bahay sa bicutan po sa uppear bucutan or lower. 15 years po? magkano ang hulog buwan buwan?kailan po ba umpisahan tirhan?pls reply soon i want to know..salamat po
June 20th, 2008 at 5:11 pm
# chilly says: Your comment is awaiting moderation.
June 20th, 2008 at 5:07 pm
.. isa pa po sa 15 years na paghuhulog pwedi ba po na magbayad ako ng advance payment sa pagibig fund good for one year, para sa unang buwan ng aking paghuhulog? para makakuha na agad ako ng bahay?para matirhan na agad ng pamilya ko?kc po wala pa ako sarili bahay nangungupahan lagi mga anak ko at mama ko.ph.450.00 monthly is that right?so pls explain nio po sa akin kc first time ko po marinig itong pag ibig..naresearch ko lang po ito sa web..thnks po sa help nyo in advance.wait ko po inyong reply!
June 20th, 2008 at 5:21 pm
mga ano ano po ang requirements para maging meyembro nag pagibig housing loan?ofw.po ako gusto ko maghulog ng house and lot sa bandang bicutan sa bandang upper at lower bicutan.good for 15 years magkano po ang hulog buwan buwan?at gusto ko po direct na sa bangko ihulog ang pera.what name of the bank sa bicutan?ilan taon ba ako dapat maghhulog para makakakuha na agad ng lupatbahay?upang tirhan na agad? pls explain po ninyo sakin? and pecencia na kung maraming beses ako nagwrite ng comment ko kc na check yong notify me of fallow-up comments via-mail.baka kc hindi nyo agad mabasa itong messages ko..salamt po uli..chilly
June 25th, 2008 at 9:12 am
Dear sir/madam,
tanong ko lang po wala po akong sariling lupa. pwde po ba ako na maka avail ng housing loan? papaano po ba ang proseso?
salamat po.
mel tapia
July 3rd, 2008 at 9:34 pm
am a memeber of the pag ibig fund since 1980 but i think contribution were not continuous because i transferred from one school to another. i went to the pag ibig office at tagbilaran city to seek advice of my concern and i was asked to produce at least one pay slip from my previous employers. i think it is very impossible for me to produce such in as much as that has been long time ago. can you please trace my contribution if i will just give my previous employers and the year of effectivity of my employment? i wanna avail of a housing loan.
Thank you,
\linda
July 5th, 2008 at 1:31 am
Dear Sir/Madam:
Good afternoon. Ang asawa ko po kasi ay member na ng Pag-Ibig. Ang huling employment niya dito sa Phils. ay last 2001. Pagkatapos po noon ay nag-work na siya outside the Phils.
Mula po noon ay hindi na po siya nakapaghulog sa kanyang Pag-Ibig up to the present. Nagkaroon po siya ng salary loan sa Pag-Ibig nung naka-employ pa siya dito sa Phils. at hindi niya fully nabayaran yoon.
Ngayon po ay meron po kaming balak na kumuha ng magiging sarili naming bahay; ito po ay either lot, house & lot, o condo unit.
Ito po ang nais kong itanong sa inyo:
1. Maari po ba kaming makakuha ng Pag-Ibig loan for acquiring a lot, house & lot, or a condo unit?
2. Tulad po ng nasabi ko kanina na may existing salary loan ang asawa ko na hindi niya pa fully paid. Makakakuha po ba kami ng Pag-Ibig housing loan kahit meron siyang existing na Pag-Ibig salary loan?
2a. Kung hindi naman po siya makakakuha ng Pag-Ibig loan for acquiring a lot, house & lot, or a condo unit dahil meron siyang existing na unpaid Pag-Ibig Salary Loan; Ano po ba ang pinaka-mainam na step na gagawin para magkaroon kami ng malaking chance na makakuha ng Pag-Ibig Loan?
3. Tulad po ng nasabi ko kanina, medyo matagal-tagal na siyang hindi nakapaghulog so, ano po ang pinaka-immediate na step na pwede naming gawin para magkaroon kami ng malaking chance para makapag-avail ng Pag-Ibig loan for acquiring a lot, house & lot, or condo unit.
4. Halimbawa po naman at nakapag-avail na kami ng Pag-Ibig loan for acquiring lot, house & lot, or condo unit at binigyan kami ng 25 years to pay; possible po ba yung ma-reconstruct ang payment scheme kung nagbabayad kami more than the required or agreed amount? (e.g. 15,000.00/monthly amortization payable in 25 years–payments being made are 30,000.00/monthly).
Sana po matulungan po ninyo ako sa mga concerns ko pong ito para po malalaman po naming mag-asawa kung ano po ang pinaka-mainam na gagawin namin para maiwasan po namin ang magkamali. Maraming salamat po. God bless you!!!
Mercedita Marasigan
July 5th, 2008 at 1:43 am
Dear Sir/Madam:
Good Afternoon po. Ako po ay dati ng Pag-Ibig member way back kung matatandaan ko po ay 1992 pa. Dati po akong empleyado pero since January 2002 ay tumigil na po akong mag-empleyo. Naging housewife na po ako hanggang sa ngayon.
Meron po akong balak na ituloy ang paghuhulog ko sa Pag-Ibig para po tuloy-tuloy ito.
Ito po ang nais kong itanong sa inyo:
1. Maari po ba akong maghulog sa Pag-Ibig kahit po hindi ako employed?
1a. Kung ito po ay maaari, magkano naman po ang minimum and maximum amount ang pwede kong ihulog bilang unemployed?
1b. Ito po ba ay mai-ka-categorized bilang voluntary contribution?
1c. Kahit po ba ito voluntary, pareho din po bang benefits at priveleges ang mapapasaakin tulad doon sa mga employed?
2. Kung ako po naman ay palarin na makapag-trabaho ulit at maging empleyado, ano ang mga steps na dapat ko pong gawin para makasiguro po ako na makakapaghulog po ako ng contributions?
Sana po ay matulungan niyo po ako sa mga bagay na ito. Thank you!
God bless you!!!
Mercedita Marasigan
P.S. Dear Sir/Madam: Please lang po notify me of follow up comments via email thru my email address. Sir/Madam: I sent two sets of letters. I hope you could help me regarding the matters I’ve discussed. Thank you so much! God bless you!!!
Mercedita Marasigan
July 8th, 2008 at 12:15 am
Is it possible to loan my father’s house to pag ibig but property is not under memeber’s name? thanks.
July 8th, 2008 at 10:26 pm
DEAR SIR&MADAM
may lupa po ang byenan ko at ala p sa kanya yung titulo ng lupa at gusto nya n patayuan namin ng bahay.meyembro po ako ng pagibig 12years na po.paano po ba ang gagawin ko kung yung pampapagawa ko ng bahay ay i loloan ko sa pagibig?
maraming salamat po,
ariel inovero
July 9th, 2008 at 5:02 am
Good Day!
I am employing in a private sector & I want to ask regarding the lumpsum payment good for 2 years in order to avail fast in housing loan.What if I will pay in a lumpsum payment too,does the employer require to pay their employer share in a lumpsum, too? What if the employer dont want in a lumpsum way,any alternative so that I can avail the housing loan fast?Thanks.
July 10th, 2008 at 4:31 am
166.Tinee Valdez says….
I Agree with you Tinee Valdez,Masyadong pabaya yang DDC Land, yang Garden Villas na iyan ang alam niyan kumubra ng kwarta tapos papabayaan ka na nila… Mismo yung mga managers nila mga hindi professional, pag may problema hindi ka na haharapin. Ganun din ang mga ahente nila, after mo mag submit ng requirements at nag babayad ka na nga monthly mo papabayaan ka na sa ere. Mali mali ang computation nila at puro pangako…. walang kwenta mga projects nila, maganda lang model house… Eng’r Edna Sutter please do an action on this. Check mo yung mga staff mong pabaya sa cliente nila.
July 15th, 2008 at 3:55 am
gud pm ask ko po f pwede pa bang mag-apply sa housing loan yung father ko kahit 56 y/o na sya and magreretired na sya this october 2008.thank you po
July 16th, 2008 at 4:41 am
Sir,
Member ang husband ko for almost 14 years. Then 300 po ang kanyang premiun for 2 1/2 years.
Ang tanong ko lang kasi ay ganito. May lot na kami pero wlang pera para mg pagawa ng bahay. Ano ang aming dapat gawin para maka avail po kami sa housing loan.
Thank you and more power!
July 20th, 2008 at 10:10 pm
good morning!
saan po pwede akong mag pa assess about my status sa PAGIBIG. Actually, may housing loan po ako way back …8 or 10 tears ago.. nagbabayad po ako about 4 years yata…yet di ko na naituloy…
Q1 : Pwede ko po bang ituloy un?
Q2 : Ins