Pag-ibig housing loan guidelines

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.

Pag-ibig contributions

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.

  • richelle nacino

    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?

  • engkanta

    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!

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  • Jeffrey Pastor

    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.

  • http://gems_0210 Mondonedo, Guillerma


  • http://Yahoo Fe P. Leal

    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.

  • Bimbo C. Panaligan


    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?

  • seaman

    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?????

  • BAX

    meron po bang low cost housing project sa GMA, CaRMONA or DAsmariñas Cavite?

    salamat po

  • engkanta

    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.


    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.

  • ermofe

    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



  • http://none milan

    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..


  • http://none milan

    the second question is for housing loan.. thanks again..


  • tadeo d. medrano

    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?

  • http://yahoo karen aspa

    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.

  • Randy Pineda

    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?

  • http://company Isidro l. Taway


    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.


  • Prime

    If I upgrade my monthly contribution, how many months before I can loan the equivalent loan amount of my new contribution?

  • lotixx

    hi, i just wanna ask if you have any seminar in manila area regarding housing loan?

  • grace

    ask lng pag meron ka pang pag ibig salary loan, pwede ka pa rin mag apply ng housing loan?

  • grace

    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.

  • Mykel

    # 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

    God Bless us all…

  • engkanta


    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.


    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.


    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.


    thanks for the information

  • roy

    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….


  • newbie_123

    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.

  • Aubrey Ann Pagaduan

    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.

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  • Aubrey Ann Pagaduan

    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…

  • engkanta


    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.

  • http:[email protected] connie

    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!

  • michael brobio

    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 !!!!!!!

  • elpidio

    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..

  • shiela

    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..

  • engkanta

    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:

    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:

  • engkanta


    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.


    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.

  • engkanta


    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.

  • http://verizon.central lena

    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.

  • aisa

    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.

  • Dhen

    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


  • engkanta


    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.


    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.

    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.

  • noelle

    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

  • riza

    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…

  • jayjay

    Ask ko lang po ilang percent po ang pwede loan against appraised value ng property

  • ann

    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…

  • randy

    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?

  • engkanta


    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.


    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.


    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.


    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.


    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.

  • Nel Arabos

    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.

  • dianne

    I would like to have a list of devlopers somewhere in Liloan or Compostela…thanks…

  • http:[email protected] connie

    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>>

  • menchie

    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…

  • engkanta


    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.

  • engkanta


    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.


    will try to find a list of developers for you.

  • Vivian Bagsit

    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

  • gloria perez

    Hi! ask lang po, kung pwede mag loan ang non-member. thanks!

  • jen sefuentes

    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!

  • http://yahoo EDIZA FEROLINO BUENA


    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

  • love

    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?

  • Paolo Acain

    Gud day im a member of pagibig i just want to know if there is still available area near motalban rizal and cainta? thanks

  • benigrace

    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?

  • jhoeyh

    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.

  • mike.dionisio

    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 =-

  • Almir

    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.

  • engkanta

    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.

    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.

    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.

    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.

    please inquire with your nearest pag-ibig office for those data.

    the link below lists pag-ibig offices, telephone numbers, and addresses.
    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:[email protected] harley

    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.


  • noel

    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.)

  • Kennedy Omon

    Dear Sir/Madam,

    We are a registered and a certified private loan lender I give loan to private and corporate individuals. I know there a million and one lenders doing on-line lending, But we proud to say that we a private loan lender with a difference.

    Our prime responsibility is to our customers. we work for you to get you the BEST possible mortgage or loan under the most desirable terms and rates based on your unique history and circumstances. We are on-line with all major lending institutions and are kept up to date regarding all special rates and programs.

    We offer a free consultation to assess your needs,We arrange financing for all types of purchases – home, car, boat or any other major purchase. We also specialize in debt consolidation, refinancing, and transfer of equity mortgages.

    A large pool of private funds is also available for customers with special circumstances, including self-employment, lack of job stability, credit problems, and non-compliant properties such as farms and cottages. Builder mortgages also available.

    If you are really ready to get your financial problems solved, Then search no further and apply for a loan today. We look forward to doing business with you. My e-mail address is stated below [email protected] Contact us ASAP

  • http://na jomar

    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…

  • leth

    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.

  • rhea pagkaliwangan

    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

  • albert

    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?


  • Jaymie Lynn

    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.


    pano po ang gawin pag gusto ko po saluhin ang isang property na under p din ng mortgage sa pag ibig? please reply po

  • engkanta


    you can apply for a loan to complete payment of your lot and for house construction.


    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.


    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.


    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.


    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:


    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 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.


    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


    please take note that i do not vouch for any of these properties.


    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.

  • http:[email protected] Roy

    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….

  • http:[email protected] Roy

    hello po… ask lang ako.. if i can apply for house construction… i have my lot… i am a member for almost 10 years…

  • roger

    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…

  • ruby

    good pm 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

  • http:[email protected] vicky

    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.

  • Paymer

    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.

  • Ethel

    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?

  • michelle

    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

  • reuz

    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

  • http://NA JADE


  • Manolito E. Marcial

    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

  • alma b. paulo

    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

  • dan clemente

    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…

  • jennifer pancho

    ask lang po qng meron kaung housing loan near malate… ty

  • joi

    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

  • Rolan Loria

    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

  • http://smartbro MA. ROWENA D. DAPAR

    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..

  • eve

    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

  • liezl sarabia

    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.

  • Ronnie Rivera

    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

  • len

    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..

  • Nelson

    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.

  • just would like to know the process of taking advantage of housing loan?

  • 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?

  • would you mind, giving me my options as well for housing loan. thank so much

  • Pirate

    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.

  • Pirate

    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.

  • Lucille Morente


    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.


  • let

    just want to ask if we can loan from pag ibig but salary not housing.hope you can reply to us.

  • Buboy

    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

  • darling

    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.

  • Rey Vicencio

    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 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

  • regie ouano

    I just want to ask if 6 yr in contribution how much the amount I can avail?


    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..

  • arlyn marquez

    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

  • http://YAHOO.COM MHEAN


  • rain

    how will I check my pag-ibig contributions.

  • divina acabado

    ilan days po ba ang processing ng housing loan?

  • doro ng pampanga

    ask lang po kung ma aprubahan mga ilang weeks po bago ma release ang loan?

  • Paulino r. surio

    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?


    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. thanks!

  • adrian cruz

    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?

  • adrian cruz

    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?


  • gma

    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?

  • ezel tejano

    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?

  • Limay

    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?

  • Marcial M. Busilan

    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

  • jenelyn fuentes
  • che

    is it still available sa may pasonanca yung blue homes subdivision? thank u!

  • che

    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?

  • riza

    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…

  • angel

    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?

  • engkanta


    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.


    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.


    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.


    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:


    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.


    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.

  • Don


    Ask ko lang, kung wala bang collateral d na ko makakapag housing loan? Kaya ko naman po bayaran monthly amortization ng P500000.

  • Mark

    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!

  • december

    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!

  • http://yahooemail josielyn sanchez

    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.

  • Donna Eva Placido

    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

  • angie g.j.

    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.

  • nette


    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.




    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


    I was employed at NFA Santiago City, Isabela, Region 02 then when I availed that loan. thanks

  • salvieh

    sir iam an army 2nd liuetenant,as many government employee wishhes too, i wanted to avail the pag-ibig low cost housing sir. i have here hnfollowing question:
    1. what are the requirements in pplying said low cost housing program of the government?
    2. what are the qualification as applicant?

    hoping for your favorable response regarding this questions
    of mine. u can email me : [email protected]

    thank you so much

  • irene rodriguez

    may ibinebentang bahay ang kaibigan ko sa bagong barrio east caloocan city,ang halaga po ng 1,200,000 pesos at 74 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,

  • Minnie Fellizar

    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????

  • Lany

    Can i ask where in san pedro, laguna is your accredited location for housing loan

  • http://none WYNNES

    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!

  • norhana

    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

  • norhana

    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


  • Crze

    i am looking to buy a house and lot here in davao city through pagibig any help is welcome

  • Lucila Rafael

    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.

  • christine

    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 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.

  • Meg Garcia

    LOOKING for a HAUS for SaLe..
    Location at MARILAO BULACAN, Decca Homes Subdivision
    for inquiries pls call ot txt me 09233127434


    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

  • Che Ruiz

    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!

  • richelle celocia

    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….



  • melvin

    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.



  • Guilbert Abucejo

    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.

  • lovelle

    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…

  • ria ann so

    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.

  • jojo dimaranan

    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?

  • Mary Jane

    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?

  • http://yahoo Arnel Gomez

    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?

  • William L. Pana

    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.

  • William L. Pana

    by the way….Thanks a lot

  • Jill

    Just want to ask if The Fiesta Communities is also covered by pagibig?
    Thank you po

  • mich


    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)


  • Adora Gaddi

    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.

  • Pingback: Easy steps to a Pag-Ibig housing loan « Cebu Real Estates Weblog

  • cristina rivas

    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.

  • Sheila Mariel

    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???

  • Tinee Valdez

    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.

  • rose

    i would like to know what are the requirments for Pagibig application for OFW?

  • lanie

    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?

  • Edgardo Sable

    To whom it may concern,

    Can I refund my contribution when? and what is the requirements?

    Thanks Ed

  • Raenell

    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…

  • Jesus M. dela Torre

    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

  • Dolly

    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

  • lea

    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.

  • celynne

    i want to know if pag-ibig takes interest from the money they are lending

  • chilly

    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

  • chilly

    # 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 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!

  • chilly

    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

  • emil tapia

    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

  • linda

    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,


  • Mercedita G. Marasigan

    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

  • Mercedita G. Marasigan

    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

  • jhovan santos

    Is it possible to loan my father’s house to pag ibig but property is not under memeber’s name? thanks.

  • ariel


    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

  • Riza

    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.

  • Amoy_chiko

    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.

  • judz

    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

  • m. nuneza


    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!

  • tuesday

    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 : Inspite na may housing loan po ako…. pede ba akong mag loan as multi purpose..
    Q3 : Maarin po bang ang assessment status is through on line?
    salamat po.

  • diane

    ask ko lang po kung meron kayo list ang pagibig ng house and lot along quezon city, tandang sora..thanks po..

    pano po pala kung putol-putol contributions ko kasi depende sa employer or company ko na di na-update yung bayad ko pero almost 2years na xa, do you mean pede ako apply ng housing loan?

    thanks po

  • chayle

    gud afternon!

    do you have this rent to own project in lucban, quezon?

    Thanks in advance! Godbless

  • chayle

    gud afternoon!

    Do you have this rent to own project in lucban, quezon? which part po and can I get the details?


  • Pia

    meron po ako sana balak na bilhin na property pero ung property po eh under loan pa sa pag ibig..20years to pay po ung property at nakapaghulog na sila ng ammort more than three years na.. they’re selling it for 400K then continue ko na daw ung monthly ammort nila.

    ang tanong ko po:pede ko po b i-loan ung 400K para mabayaran ko po ung seller and ano na po mangyayari sa monthly ammort nila w/c is 4900+?
    kung ma grant po ung loan ko na 400K,,babayaran ko pa rin po b monthly ung monthly ammort nila na 4900+,,,at ung mgging monthly ammort sa 400K?

    please i want answers from you guys,bago po ako makipag negotiate sa seller,,,,

  • sari

    I was a member of pag-ibig for almost 6 years,and then jobless po ako right now since march 2007 thats why nag stop po ako s paghuhulog ng contribution.Plan po namin ng husband ko mag housing loan,qualified pa po ba ako kahit wala akong job?Ang husband ko po ay freelancer and nag mamanage ng fishpond,wala po kaming ITR if one of the requirements ang ITR.Ano po ba ang dapat naming gawin.

  • http://pagibighousingloan aim

    ask ko lang po contact no nyo dito po sa pampanga, gusto ko po sana magtanong kung may available kyong lot, yun nga lang po di pa ako member nag pagibig. paano po yon?kung magpapamember po ako,ilan years bago ko po magamit?

  • http://pagibighousingloan aim

    sa pampanga po ang ask ko kung saan po banda ang available nyong lupa.. thankssss.

  • skinnydipper

    hi there!

    thank you for taking the time to answer our inquiries. i know many are grateful for your extended assistance. hope you can continue this amiable effort.

    as for me, i would like to know if you could advise rent-to-own houses/townhouses/condos (in that order of priority) in the area of Cubao, QC or nearby areas like Libis – Pasig, or border of Cainta/Pasig/Marikina/Antipolo).

    i am 26 and have a small family, and we’ve been renting since 2004 in vista verde, cainta for P15k a month. lately, my husband and i are getting practical so we want a rent-to-own set-up so it’s two birds in one stone.

    thank you in advance!

  • aj

    magandang araw po.

    Paano po pag mag-paparegistro pa lang, kapag kakaregistro pa lang ba pwede bang i lump sum agad ung 24months para maka-avail ng pagpapagawa ng bahay sa sariling lupa?

    thnx and god bless.

  • aj

    magandang araw po.

    Paano po pag mag-paparegistro pa lang, kapag kakaregistro pa lang ba pwede bang i lump sum agad ung 24months para maka-avail ng pagpapagawa ng bahay sa sariling lupa?

    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?

    thnx and god bless!

  • Anthony

    My wife works in the bank from 1993-2005, she stopped working then was accepted as Bank manager las September 2007 earning 35k a month, we would like to buy a house and lot in San Rafael Bulacan, worth 1M, the property has a market value of 1.7M pwede po ba un gawing collateral? I would also like to be a volunteer memeber, para combined salary kami…. ok lang po ba kung sa bulacan ung bibilin naming house and lot? thank you po…

  • http://yahoo maricel

    i want to avail a housing loan but i am currently here in london. i have attended the seminar already before i leave the country.if possible i want to speak to a staff of pag-ibig who could enlighten me about the loan.i really want to get a loan now while i am earning and so when i go back home for holiday i could see the fruit of my hard work.any help would be much appreciated!

  • http://yahoo marites

    Ask me lang po kung pano ang pagloloan sa pag-ibig at kung ano po required sa pag loan?thanks po..

  • Genelyn D. Nuas

    Dear Sir/Madam,

    I have following questions:

    1. I have loaned a lot since 2000 and I am paying my monthly amortization. Can i change the term of my payment from monthly to Quarterly and how?

    2. Can i withdraw my contributions paid by my Company, since i’m no longer working with them, and to be paid to my loan amount?

    Your help is highly appreciated.

  • Lyndon Lara Madarang


    I have filed a request with you for the transfer of my records to your branch in Makati on 28 May of this year. We were advised that it will take approximately 2-4 weeks for that to be done. That was more than 2 months ago.

    I feel that nothing has been done about my request since still – I am being asked to make contact with you and your branch in Caloocan just so that the request can be verified.

    We as a nation will not move forward if this is the kind of service that we can expect from you being the government arm to spur progress. My loan request is just an MPL (Multi-Purpose Loan) and practically my own money and I have every right to get it when I want to and when I need it.

    So please if you have got any conscience, help me for goodness sake.

    CN: 9164820054

  • kaloy

    question lang po… gano po ba katagal para maapproved ang loan (reconstruction loan)mga 10 years na po ko member sa pag-ibig, di pa po ko nakakapag loan kahit anong klaseng loan pero po iba’t ibang company, now i’m currently employed for 2 1/2 years tapos po 100 every month contribution ko sa pag-ibig, magkano po kaya ang maloloan ko if ever ma approved po ako… maaaproved po ba kaya ako?

  • Jhune

    Good day!
    i am an employee of a private company as a sales manager. ask ko lang if i could use my Latest ITR as basis for my loan amount since my payslip does not show the total amount of my compensation and thus lessen the loan amount. I want to use the loan to buy my aunties property and have enough money for some improvement.
    Hoping for immediate response.


  • katherine mae

    Gud am!

    Ma’am/Sir, i just want to ask on how will i know my pag-ibig number(member’s #). Dati po ako nagwork sa mall but then they didn’t give me my pag=-ibig number,.


  • renee

    gusto ko po sanang mag-apply ng housing loan for home improvement lang po. May nagcoconduct po ba ng seminar here in Bulacan? I’ve been a member for 6 years now.


    HOW CAN I AVAIL A HAUSING LOAN IN ZAMBOANGA? I’M A MILITry pers and i’m paying a contribution in pag ibig for 3yrs by now,,tnx

  • Lean

    Hi, I just want to know kung pwede mag apply yung in-law ko ng pagibig housing loan kahit hindi sya member ng pagibig. 50 yrs old and overseas worker sya, maari bang bayaran nya yung buong amount na contributions na equavalent na 2 years para maging eligible sya sa housing loan? Thanks!

  • au

    gud am!

  • au

    gud am! ask ko lang po if I can change the numbers of years or the length of my housing loan: i avail for 15 yrs housing loan can i still change if to 20yrs

  • winifredo boyboy

    Good p.m. po.. merun po b available na housing loan sa pampanga, at walang equity? yung downpayment lang ng mga 10,000 tapos monthly payments na po,. 3 bedrooms mga 150 to 200 sqr meter.

  • cheng

    good day… ask me lang po pwede po ba ako mag housingloan renovation? 12years po akong nakahulog sa pag ibig. sa ngayun po wala na kasi company close na po yung pinagtatrabahuhan ko.fully paid na po yung bahay ko.pwede po ba ako mag loan?

  • michael

    tanong ko lang bakit pinagbabayad na kami ng monthly amortization na 17,000 eh hindi pa naman approve yung pag-ibig loan ko para sa unit na kinuha ko? dapat ba kong magbayad medyo naguguluhan ako eh ,thanks.

  • ian


    My spouse and I are planning to apply for a Pag-ibig housing loan. Most of the housing projects we have inquired requires a downpayment of 20% to 30% of the total contract price of a house unit. If ever we are approved of a loan, will Pag-ibig cover the downpayment or are we supposed to pay it in cash? thanks!

  • jian

    Hi there!
    Want to know po,if it is possible to loan deeds pa lang nasa amin, i just bought the lot at sabi titles will be given by April pa. I am OFW and hopefully am having my vacation this coming December. Gusto ko sana maumpisahan na whatever needed to avail loan from pag-ibig. Provided po complete na requirements needed, HOW LONG WILL IT TAKES FOR THE APPROVAL OF THE LOAN.
    It is ok po to send reply also to my email ad.
    Thanks a lot.

  • analyn

    As regards the one time lump sum payment, can I deduct that amount from the approved amount of loan that i apply from PAG-IBIG?

  • janette

    good day, i wanna know if it is possible to avail a loan for a purchase of lot in leyte province. i’ve been a pagibig member for 6 years, i am working here in makati but i really want to purchase a lot and at the same time since the lot would not cost more than a hundred thousand (100,000.00) is it possible that pagibig fund will grant me a loan for house construction as well? more or less i need two hundred and fifty thousand for a single loan application and i am qualified based on your obove chart. the questition is first, if i can purchase a lot in leyte even if i am here in manila, secondly, granted that it is possible, can i include the amount for the house construction>

    thank you very much.

  • divine

    Gud pm ask ko lng po posible po ba na maka pag housing loan ako commission basis po ang income ko?

  • rafael martinez

    i want to apply for a housing loan but i still have an outstanding balance with one of the credit card companies in the country and i’m a bit delayed in my payments.can this cause disapproval of my housing loan application?thanks in advance for responding.god bless!!!

  • michael

    pwede na po ba na kami ang pumili ng bahay na gusto namin at sa gusto naming lugar kasi ho gusto ko malapit sa aking trabaho at meron po ba kayong hausing loan na mas mababa sa 4,000 ang monthly?

  • http://MSN quilala

    paano ko malalaman . kung na release na ang salary loan ko sa pamamagitan ng computer access?

  • julie

    Sir, I wanted to know if I will be qualified to avail of the housing loan of pag-ibig with the ff circumstances; I am an active member more than 5 years of pag-ibig. The property I wanted to acquired is not from a developer, it’s a vacant lot owned by an individual. The contract to sell the property is 1M. Is it possible that I acquired it but through pag-ibig housing loan? By the way my total monthly premium remittances to pag-ibig is 500 a month. Please let me know the soonest possible time. Thanks so much.

  • Marlon Masangkay

    Just wanna ask what if hindi pa po complete ung mga pertinent documents/requirements sa pag-ibig housing loan?Bka kc hindi pa maprovide ng developer ung oder requirements.Possible b n mtransfer s pag-ibig ung monthly amortization namin this coming january?Secondly, what if hindi umabot sa monthly income required ung salary ko?can i have a co-maker or co-borrower who is employed.Such house belongs to both of us but under my name.Thanks and i’ll wait for your favorable response regarding this matter.God bless.

  • michael

    meron po bang pabahay na malapit sa laguna sta.rosa (LTI) na 4,000.00 la ng po ang monthly.pwede nyo po bang maipadala sa Email ang mga detalye tungkol sa bahay

  • http:[email protected] Evangeline P. Enopia

    nakalimutan ko po ang PAGIBIG numbers ko even kinaltasan me before sa work ko and now I forgot po.Can I have this through internet po or yung contact number po nyo bec.I am now an OFW will go back in Singapore and want to have a housing loan po.

  • Ruben San Mateo, Jr

    Hi, I am an employee in the private sector. In your table of contributions, the minimum monthly contribution is 200PhP with a loanable amount of up to 500,000PhP. What if my contribution per month is less than 200PhP? And, what can I do to qualify for a housing loan?

  • NALD

    pwedi po bang makahingi ng listahan ng maga developer at pati na rin ung presyo kapag mag loan ako sa PAG-IBIG at meron po bang low cost housing loan sa may sta. rosa laguna po ung lugar.

    salamat po…

  • anacita

    tanong kolang po san ba ako pweding mag fill-up ng application form kasi gusto ko pong mag member nan dito po ako sa new york sana po ay ma email nyo sa akin ang aking katanungan.salamat.

  • Sadjz

    Hi! tanong ko lang po. May bahay at lupa po ako sa paranaque. Mana ko po yun sa parents ko. Pero hindi ko pinalipat yung titulo nung bahay sa akin since I don’t think I will be needing it. Kaso, my parents went abroad na and gusto sana ng asawa kong i pa renovate yung house and palagyan ng 2nd flr. pagibig member sya for 5 years na and 3 years naman ako. ano po ba ang kakailanganin nilang dokumento para makapag loan kami and maipaayos yung house ng parents ko? Salamat po!

  • Thriesle

    Good day…ask ko lang po if i can make loan from PAG-IBIG (any loan, housing )to saved my parents house & lot from a well established subdivision in Taguig. The said house & lot was acquired by my parents thru SSS and still paying it monthly until 2010. Were having a problem paying the amortization monthly because of the huge amount. So i was wondering if i can pay the total amortization from SSS thru pay-ibig since i am a member of PAG-IBIG since 2000 and currently working. Just want to know if it is possible.

  • je

    ask k lng po kc may kulang pa akong 5months para mag2 yrs sa pagtatrabaho.nagtrabaho ako nung feb 14,2005 at huminto ako nung sept ng 2006 ang may gusto akong bahay na worth 1.3m .pwede k pa rin b ilump some and if pwede possible kayang maapprove?

  • vaneza

    nagbabayad na ako ng monthly amortization sa pag ibig at na loan take out na rin, kaso may notice sa kin un developer na di patapos ung equity ko na alam ko full payment na ako, wala lang ako certificate nung full payment ng equity, mabawi pa kaya sakin ung bahay kung regular akong magbabayad sa pagibig kahit di ko masettle un kulang ko raw na equity na lumaki na daw dahil ng interest, by the way ung equity ko na kulangh daw e 5months pa lang ngayon pamula nung nag reserved ako ng unit. may kinalaman pa ba ung pagibig sa pananagulan ko sa developer, di ko kasi alam kung sino aking kakausapin tungkol dun sa interest nung equity ko.

  • bien





  • cherel c. diaz

    may lote po ang husband pero sa kanilang magkakapatid naka name title. total po is 900sq meters.ung half naka sangla sa bank. magagamit ko po ba sya sa housing loan? 70sq meters lang po ang kunin ko na lot area…pano po ba un.Mga 7 years na po ako pag-ibig member.

  • http:/ Lyn

    ask lng po ako bkt po inaabot ng 7days ang pagkuha ng MSVS sa Pag Ibig???Ilang staff po ba ang gumagawa nun??thnks!!

  • Alvin

    Good day!!!

    Ask ko lang po sana if entitle ang isang member na mag-avail ng housing loan program pero hindi pa remitted ang required 24 monthly contribution at gawin na lang itong lumpsum just to available the housing loan program?

  • mr. ramos

    kung maga-upgrade po ba ng contributions,puede na mag-loan ng higher amount or yung equivalent ng higher contribution right away or do i have to wait for a certain number of months pa?

  • mr. ramos

    by the way,sa brother ko po naka-pangalan ung title ng lot namen.puede po ba ako mag-apply ng housing loan?

  • dixie

    what if i loan 900,000 pesos. how many percent for the approval of this amount in pag- ibig housing loan?

  • maris

    i’ve been working here in saudi arabia for 2 years. since i came here, i’ve stopped paying my monthly contributions. now i’m thinking of reactivating my membership, where can i pay my dues here in alkhobar saudi arabia?

  • http://yahoo joemar

    ask ko lang po pano kumuha ng ID ng pag ibig

  • Anne

    good day! meron po bang housing project ang pag-ibig sa bacoor, cavite or imus, cavite?

    thank u n advance sa response.


    hello pagibig i need to know something regarding pagibig financing,first im ronnie robino currently working here in QATAR PEARL GTL PROJECT under supervision by JAPAN GAS CORPORATION,i want to make financing assistance to pagibig for my 216m2 lot in BATANGAS CITY,the owner want us to give a 300,000 pesos as a downpayment before the end of DECEMBER,how can you help me regarding this matter,what documents i need to prepared is it possible that my wife can arranged this for me because like i said im here in QATAR,,CAN YOU GIVE ME ADVICE,,,THANK YOU

  • donald sia-ed

    i started my contributions P100 monthly since 2002, how much would be the maximum amount i can apply for a housing loan?

  • Shane

    Pwede po ba ako makapag apply ng loan kahit na nagstop ako magwork kasi nagaral ako ulit pero nakapaghulog nako sa Pagibig ng 4 years? Salamat po na marami.

  • ferdel

    i’ve been working here in saudi arabia for almost 2 years. since i came here, i’ve stopped paying my monthly contributions. now i’m thinking of reactivating my membership. where can i pay my dues specially loan balance here in saudi arabia? also thus i am entitled to have housing loan thru pag-ibig? pls. reply

  • john cruz

    is it possible to combine two members’ accounts in order to increase the loanable amount? for example one loan arrangement in the total amount of 4 million since it is based on 2 members’ loanable amount combined. And what will be the implications? Tnx a lot!

  • Sweet

    Ask ko lang po kung pwede magloan ng house renovation/house improvement if I have an existing housing loan? If yes what is the maximum loanable amount & the interest? And what are the requirements needed in applying for house improvement loan?

  • http:[email protected] jo

    four months pa lang po akong member ng pag ibig. i am only 21 years old, gusto ko pong mag avail ng housing of the requirements needed is marriage certificate, single pa po ako, still planning to get stable..nabasa ko po na pwede akong makapag avail though four months pa lang ang naihuhulog ko as long as ifufull ko ung 24 months na contribution.200/month ang pag ibig contribution ko, pwede po ba kaya talaga akong mg avail? I am looking forward na masagot po ung quetion ko, please email the anwer at my email add. thamks more power!

  • Joy


    I am planning to build a house on a lot under the name of my parents (though I have the special power of attorney) and I want it covered under Pag-ibig housing loan program. How will I go through it? Will you (Pag-ibig) direct a developer to do it for me or will I do it my own? The lot is located in Porac, Pampanga.


  • tria

    ask ko lan po kun pd ako magexceed sa loan ko na 500,000 pesos? ofw po ako and nagstart na po maghanap ng bahay at lupa sa ganun halaga kaso lampas po sa sa loan ko na half a million pk lan po ba yun kahit exceed xa/

    salamat po

  • john cruz

    is it possible to combine two members’ accounts in order to increase the loanable amount? for example one loan arrangement in the total amount of 4 million since it is based on 2 members’ loanable amount combined. And what will be the implications? Tnx a lot!

  • Miaka

    May napanalunan akong foreclosed property for bidding last 2002. Contract to sell lang ito at nasa pangalan pa ng bangko hanggang hindi ko pa nababayarang buo. Hanggang year 2017 pa ang bayaran. As of this date, may utang pa akong P1.3M halimbawang gusto ko ng i-settle. Binebenta ko ng P2.3M para mabawi ang ilang portion ng naihulog ko na for more than 6 years plus yung down payment at improvement ko. Nagkataon namang wala na akong permanent job. Hanggang May 2009 na lang ang kontrata ko. Kung hindi ko mababayaran ang monthly, baka ma-foreclose lang. Pwede ba yung tatlo kong anak na nagtratrabaho na ay mag apply sa pagibig at sila na lang ang bumili ng property? Pwede bang i-add up ang maximum capacity ng bawat isa para makabuo naman kami ng enough amount for the house and lot? thank you.

  • rachel f. velarde

    hi po gus2 ko po sn ask kung magkno po at papano po ako pwde mag member kc po d2 po ako ngyon s gusto ko po mag loan ng bahay member po ang mr ko kso po hiwalay po kmi kya ayaw ko po gamitin name nya.

  • ReyAnn Balila

    Dear Sir’

    Good day from dubai!

    I just wanna ask i want to pay for the two years for the membership of pag ibig but how, since im here dubai can you please give me contact person who is incharge of this because i want apply Housing Loan.

  • Cheryl

    member na po ako ng pag-ibig since July 2000 but I resigned from my work on May 2005. After two years, ngwork uli ako and 7 months n akong naghuhulog sa pag-ibig, am I qualified to apply now for multi-purpose loan?

  • http://company Randy Abata

    hello Ma’am / Sir
    baka po ma2lungan nyo ako mag loan ako ng pera sa pg-ibig para makabili ako ng bahay, o kaya naman sa pag-ibig loan house na ako kukuha para sa pag-ibig na ako magbabayad monthly at 10 years ko babayaran, salamat at sana ma2lungan nyo ako sa request ko

  • http://yahoo princes

    Hi I want to know how i can be a member of pag ibig, and is it possible to get a house loan even if im still a student but have a regular allowance from my relatives?

  • Amy

    hi i have question i already have a housing loan & i have just a 100thou balance i want to sell it, and i have a prospective buyer he will also buy it under pag-ibig.
    How to go about it, what are the things should we do help need your help about this

  • Malou Riman

    Hello po!Good morning,ask ko lang po about sa requirements ng house improvement,nagpagawa po ako ng bahay kaya lang na short budget namin para sa finishing,gusto ko po sana mgloan para dun..mkapag MSVS na po ako..Namention po dun na kelangan ng plan and building permit pra s home improvement pg my mga extention na gagawin..Pano po yun sa case ko,wla kaming gagawin extention kc my existing na..finishing na lang like plastering,painting & installing tiles..Kelangan pa po ba yun ng plan & permit?Or puede na yung list of materials na lng..Need reply ASAP..Thanks

  • margie

    hello po!!ask lang po ako kung pwede po akong magbyad ng worth 2 years at kung makaka loan po ba ako ng house,mga magkano po ang babayaran ng worth 2 years?at kung ilang months po kaya bago maapbrubahan ang loan?kailangan ko po ang sagot nyo as soon as posible…..thank you po

  • thelma

    hello po..ask ko lang po if san po banda sa manila ang my pag-ibig house & lot..gus2 ko po kc kumuha..what bank rin po ang mga accredited nyo..ok lang po b n ang mg-aayos lahat ay ang kapatid ko po sa pinas..d2 po kc ako ngayon s labas ng waiting 4 your reply po.. thanks & Godbless

  • http://none Michael M. Cruz

    I am into real estate business. I want to find out how it will be possible for me to extend my assistance to the PAG-IBIG beneficiaries and at the same time generate an income for myself based at the appropriate terms and conditions

  • william samiling

    meron po bang low cost housing dito sa valenzuela? pki forward naman po sa akin ung pag-ibig number ko…thanks po

  • cesar cabuang

    dear mam/sir,
    ask ko lang po kong paano mag avail ng housing loan.ang wife ko ay isang ofw sa canada for 3years.may mga hulog siya sa pagibig noong sya pa ay nagtratrabaho sa pinas for less than 2 decades.magkano po ba ang monthly contribution nya at ilan months pa para maqualify sya for housing loan?
    ask ko rin po kong may available na pabahay dito sa metro manila?
    salamat po! CESAR


    Kindly send to me the summary of my TAV ,,, Thank you and more power…

  • Maricel

    Good morning! Just want to inquire, coz I want to loan for house improvement, do I need to attend the housing loan counselling first?

  • louie

    ask ko lang po kung may mga branhes kayo or offices ng pag ibig fund na pwede namin pag hulugan o pag padalhan ng aming mga contribution dito sa dubai umalis po ako jan sa pinas last may 14 2008 papuntang dubai and bago po ako umalis ay nag pa member ako sa pa ibig housing loan for ocw sa branches nyo sa poea sa ortigas gusto ko po ituloy ang pag huhulog ng aking monthly contribution kaya lang ang problema ay d tumatangap ang mga money transfer dito sa dubai ng remittance para sa pag ibig fund kaya naisipan ko mag email sa inyo baka sakaling matulungan nyo ako sa aking problema.

    electrical engineer / dubai uae

  • http://none graceg

    ask ko lang po if condo unit iloloan mo, consider housing loan po ba..Kami po ba direct or yung realtor.
    more power ty..

  • danilo millan

    i have a house in imus cavite for sale for P450th.42sq.m.LA.40sq.m FA.semi 2 storey.located at maricris complex malagasang2 imus.cavite with clean title ang updated amilyar..pag ibig me at09054234857.

  • Ronnel Gomez

    Good morning po,

    Ask ko lang kung magkano ang monthly payment if i will have a housing loan worth 1.5 million.

    i ‘ve been a member for 9 years.

    Pagibig contribution is 100 pesos per sahod,

  • rea

    intresado po ako sa pag ibig housing loan, pwede nyo ba ako bigyan ng idea kung sino ang mga housing project agent sa either culianan,mercedez, lunzuran brangay sa zamboanga city.
    thank you po

  • jhunie’s

    hello po,

    ask ko lang how can i counter check may pag ibig contribution, iam 6years na working in the private sector

  • ZsaJ

    ask ko po if i’ve contributed to pag-ibig for more than 6 years and i stopped paying contribution, can i still avail of the housing loan and just pay the amount required monthly or do i need to continue my contribution?

  • Avon


    I was wondering if its possible to apply for pag ibig membership from abroad. Since my mother and i decided to buy a house here in the Philippines but since she is in abraod, i onbehalf of her will be incharge paying here while my mother is incharge for the financial.

    Is it possible for her to apply pag ibig in abroad, so we can buy the house we want in cavite?

    please do reply in my question so that we would know what to do. ASAP.

    tahnk you for your understanding.


  • Almira

    Pwede po bang i-loan sa Pag-ibig ang Title na naka mortgage sa banko ang reason po kasi iyong napagbilhan nang property ang ibabayad sa Banko,pano po pag ganitong sitwasyon?

    Thank you and Happy New Year!

  • Leonito Balatucan Jr

    I am Leo..Gusto po sana namin mag avail ng bahay at lupa dito sa amin sa bulacan worth 2 million this is a private owned house and lot.Pwede ko po ba ito i aaply sa pag-ibig? what are documents na kelangan ipasa.more than 2 years po ako member ng pag-ibig nagtuturo po ako sa isang public institution…
    need your reply asap

  • Don

    I would just like to know if you have house and lots na for sale (di na naituloy ng dating nag-loan ang pagbabayad). I would be interested in the Sta.Rosa or Biñan area. I heard from a friend na mas ok at mas makakatipid pag ganitong scenario ang i-aaply ng loan. Totoo ba na kung ano yung monthly amort ng previous loan applicant ay yun din ang babayaran ng magtutuloy ng loan?


  • angie

    hi, I would like to ask if pwde p po mgbigay ng extension sa pagpapasa ng mga rquirements for the acquired assets?
    More than 30 days na po ksi kya lang di p ako mkapagpasa ndi p po kc complete ung mga requirements ko..

    Thank you po..
    I hope you can answer my question….

    Happy Three Kings po…

  • http://yahoo cecille

    hi! meron na po akong housing loan na binabayaran sa pag-ibig for more than 2 years. Nag-move-in fee po ako at tapos ginawa nila ung bahay. Kaso po ang pagkagawa ay hindi maayos, nagcrack po ang mga walls dahil nilagyan nila ng outlet ng hindi nafinish ang mga walls, ang bubong po ay kalawang na. sabi ng developer un lang daw po kc ang style ng bahay nila, tanong ko po sa sarili ko papano na appraise un ng ganoong kalaki/ ang monthly ko po ay 3,000 pesos. Matutulungan po ba ako ng pag-ibig na ipagawa sa developer ang bahay?

  • http://yahoo cecille

    Ive been paying my house and lot for more than two years now. Last time i went to pag-ibig office and i found out the title is still NOt in my name, tjhe contract stipulated the alloted time for the title to be transferred is two years; but it is more than two years. I went to the developer and they say its taking time in the register of deeds, so they promised to work on it before the year2008 ends, I went back dec.22 and the person concerned on this(developer) is on leave and the offices will soon take a long holiday so it is impossible to produce it. Now, I am opting to change unit with all the problems regarding my house,i.e. contruction , transfer of title etc.. Can pag-ibig help on this? I think, the my monthly amortization will be enough to have a decent,presentable, hazard free house. Can pag-ibig help me to oblige my developer on house construction and transfer of title?

  • Jesse B.

    im planning to purchase a second hand h&L. but the seller would require us to buy the house in cash. can PAGIBIG pay the seller the full amount and ill be the one to pay PAG IBIG in monthly basis. is this allowed?

  • jhen

    hi!ask ko lang po kung meron kaung low cost housing unit sa san pedro laguna,binan, or carmona,bacoor or imus cavite?
    gusto po kasi ng kapatid ko mag-avail ng housing loan thru pag-ibig kaya lang wala po kaming alam na available units thru pag-ibig.regular employee na po ang kapatid ko pero 2yrs pa lang po xang pag-ibig member.hope to receive the soonest feedback from you. thanks!

  • bobby

    puede po bang mag loan ng 3 million sa pag ibig nsa 12 years n po ako naghuhulog.

  • http:[email protected] Nicolas III B. Mina

    I am working abroad and I am planning a housing loan for building my house amounting of P2000000.00, (Two million pesos only), question:
    1) I am not a pag-ibig member, can I pay lump sump 24 months to fulfill the pag-ibig member requirements?
    2) My wife is a school teacher he is a member of pag-big take home monthly P12000.00, twelve thousand pesos only, can he loan the amount of P2000000.00?
    3) If none of the above covers to laon P2000000.00 (two million pesos) what would be possible in pag-ibig to the above amount?
    4) I have other property as a collateral for the laon is this possible?
    I need the money as soon I put up my cash money starting to building the house worth P1500000.00 (One million five hundred thousand pesos only) to enable me complete the construction cost of P3500000.00 as per engineering design.
    I appreciate your soonest reply

    Best Regards

  • Jona


    Inquire ko lang po papano magaply sa mga housing projects nila gma or sa NHA . Nakatira po ako sa NHA and pwede bako bumili ng bahay under NHA pero ipasako sya sa Pag-ibig?


  • mandy

    how will we know that we have a legitimate developer? can you please provide a list?

  • gleng


    I would like to know if it’s really necessary to pay the monthly amortization while we are still paying for the downpayment? This was not cleared to us by the developer and we never receive any notification. We thought that we have to finish paying the downpayment first before paying the monthly amortization for pag ibig.

  • http://BSME_ETEEAP_08-09 Michael Z. Fajardo

    Good Morning,

    Ask ko sana kung may rules ba sa pag-ibig na kapag nakapagbigay ang isang pag-ibig member ng reservation fee to the developer at biglang nalaman na di ito qualified ay hindi na pwede makuha ang reservation fee? nakaka-disappoint po ito sa part ko kasi pinaghihirapan namin ang amount na ito tapos hindi na nila binibigay. pls give us advice to this issue.

  • Sir/Madam,

    Good day po, gusto ko po sanang mag avail ng housing loan sa pag-ibig. I am a member for almost 8years at patuloy pa rin pong naghuhulog ng contibution ko hanggang ngayon. May ilan lang po akong mga gustong linawin.

    Kahit po ba hindi ko sarili ang lote na pagtatayuan namin ng bahay pwede akong maka avail ng housing loan? Ang lote po na balak naming pagtayuan ng bahay ay sa magulang pa ng asawa ko nakapangalan. Sa ganitong sitwasyon po, anu-anong requirements ang hinihingi ng pag-ibig?
    Maraming salamat po at inaasahan ko ang inyong tugon. Pwede pong eemail nyo na lang sa [email protected]

  • http://none edmund

    hi Mr. Leonito Balatucan,

    If you wish to avail your house for a housing loan in Pag-ibig, assuming you have reach 24mos of your contribution, you must also pass to these criterias:

    1. your 40% of your monthly net income must not be lower to the mo amortization intended for a 2 million loan.
    2. you must see to it that the property is with an original title and a right of way.

    for more info you must visit any pag-ibig office nearest to your location and make sure to bring a copy of your original payslip so that they can determine your allowable loanable amount.

    or you may visit this site..



  • edmund mationg


    Gaano katagal ang paghuhulog ng isang member ng PAG-IBIG bago makapag avail ng housing loan? kung halimbawa less than two years ang contribution pwede bang bayaran yung remaining balance para makapag avail ng housing loan? kailangan po ba ng financial statement o collateral para makapag avail ng housing loan?

    hoping po ako na masagot ang tanong ko para po malaman ko kung may kapasidad po ako para sa housing loan.

    Maraming Salamat po. :-)

  • admin

    Edmund, as far as we know, you need to have two years of uninterrupted contribution.

  • mylene


    nakapagloan na ako sa pag-ibig just this year.. its a salary deduction.. Can i also apply for a housing loan thru pag-ibig?


  • Erwin

    Gud am;
    Ask lng po ako if ano po ung particular location ng pag-ibig housing here in davao. or the contributor ng pag-ibig dito sa davao. reply asap,…thanks

  • lamm

    I am interested on buying a condo here in manila total selling price is PHP 3,668,845.47.

    now i have paid the 20% and the 80% BALANCE PHP 2,935,076.3 I plan to pay for with a Pag-ibig fund loan.

    My plan is pay the 24months contribution on one payment. would that be possible?

    my concern is that my monthly budget for the rent is below 18k a month. Will that be applicable? i mean is there a way i could pay below 18k/month?

    please help me

  • marianita c.salcedo

    hello po!!kmusta?
    SIR;nnd2 po ako sa aruba.last vacation po nmin sa pinas ngpamember po kming magasawa sa PAG-IBIG.binayaran napo nmin ang 2years pra po makapagloan po kmi ng bahay(house & lot)someday…pano po ba? o ano ang dapat nming gawain;kc while nnd2 pa ho kmi gusto ko po sanang mgkaroon ng bahay dyan sa atin…sa cagayan de oro city po balak nming kumuha ng house & lot…sana po matulungan nyo ako…at sana padalhan nnyo dn po ako ng mga pictures ng bahay at lugar…MARAMING SALAMAT PO…

  • Liza F.

    I have received the “Notice of Approval” from HMDF for a fully developed lot at Cavite. My applied loan is 300,000. It was approved but on the breakdown, the net loan proceed is just 277,000++ because of some processing fees. Do i need to pay the balance to our developer since the lot costs 300,000?

  • adriana

    hi, im a housewife, i want to be a member of pag-ibig…my husband works in their family business…can i be a member ng pag-ibig on my own contribution, wat requirements kailangan?

  • joey ermita

    ask ko lang po.kung pwede ku pa bang ma avail yung 1,500,000
    10 years na pu akong nag huhulog sa pag ibig ofw rin pu ako,den member din pu ako ng pop kahit may contribute na ako sa pag ibig

  • josephine

    dear sir/mam, member na po ang husband ko nag nag apply po kami ng house contruction ok na po lahat ng paper namin for inaantay na lang po namin ang sa issue ng check ilan araw po ba yun pag progses nun kasi sabi samin 5 to 7 working day sakto po ba talaga yun araw na yun o tatagal pa.gusto ko na po kasi matapos ang bahay na pinagagawa namim kaya po ako nag tatanong gaano po ba katagal.salamat po

  • Jenilyn Canilang

    hi sir/madam good day I just want to ask something about getting a land loan with pag-ibig because my broker said the land that i want to get from tagaytay is not allowed for loan in pagibig. so now in worried if it is legal or what so please let me know before i pay the reservation fee of 10k. what will be the assurance that i can get from them that the land is legal and safe to buy. please help me. thank you very much…

  • Michael Siapno

    Hi, I am an ofw in Saudi. I paid my pag ibig in advance equivalent to 2 years. I wanna know if i am eligible for housing loan. I f I am, can my wife process this for me? Please help me. I wanna know how it works.

  • Bhabes

    How much monthly contribution should I remit, should I need to loan for 5million? Is it possible that I’ll make a balloon payment for a year contribution, then apply for loan.Can I avail the maximum number of years to pay?

    Please do reply ASAP, thanks

  • flor natividad

    may i lo loan po sana ako sa pag ibig,a parcel of land which is patented last may 2007, upon submission of the requirements pag ibig noticed the provision of section 118 of denr stating na di pwede isalin ang titulo except in favor of government or legally constituted institution. na reject po ang aking application because of that. confused po ako kasi ang pag ibig po ay under govt. and i cant understand why did the pag ibig reject my application.

  • chelle


    I am a home based tutor so I am not under any company. Can I still be a PAG-IBIG member? what kind of documents will I need to ba a member?
    I hope I could hear from u.

  • http:[email protected] Lyn

    Just want to ask what are the qualifications for a house improvement loan and how much is the maximum loanable amount if my net pay is around 22K a month. tnx!

  • http://yahoomail carol

    pwede po bang iloan ang house and lot na may extra judicialsettlement with sale, pero may ikocollateral kmi n titulo nming mag asawa

  • graceland

    good day! ask ko lng po kun pwede mg-avail ng housing loan ang asawa ko? OFW po sya ngayon, dati monthly ang contribution nya s pag-ibig, na-stop lng nung umalis sya sa dati nyang work dito s Pilipinas last 2007. activated p po ba ang membership nya? ano po ba ang kailangang i-submit na documents? pakireply po sa e-mail ko. thank you!

  • christy baysa

    gud day!

    mam, ask k lng po anong type ng loan kapg yng illoan k property my bahay pero kailngan ng improvement?slamat po.

  • Erwin Gimena

    Dear sir/madam,
    I am planning to apply for a housing loan for a house&lot @ wedgewood subdivision in Pangasinan. I am still paying the downpayment which will last for a year. My agent says that if I decide to get a pag-ibig loan,after we pay the 30% downpayment,I still need to pay 2 years amortization directly to their developer – which amounts to in-house amortization,to prove that I am a good payer. Then and only after that 2 years,will they pass the requirements for pag-ibig housing loan. This doesn’t make sense,since what I know,if I apply for the loan now,considering I paid the 30% downpayment,& if my loan is approved,the remaining total contract price would be paid by pag-ibig…then i’ll start my amortization with pag-ibig w/ lower interest. Is it fair that I’ll be paying the 2 years amortization to the developer before they cooperate w/ my pag-ibig loan? I would greatly appreciate it if you could clarify this ASAP. Thanks a lot!

  • myra

    Gusto ko lng po mag-clarify regarding pag-ibig loan. I’m planning to apply for a loan this month. But I have some question in my mind. I am working here in makati city. I’m planning to apply for Construction of House. But the place where I plan to construct a house is in our province. We have a lot there. Is it possible to apply a loan here in manila?
    Hope you answers my question.

  • judith

    hi,,actually gusto kong iparestructure un loan ko my 2 yrs na rin akong ngbabayad 2o yrs to pay siya…ofw ako ang yearly me umuuwi gusto ko syang gawin 5yrs lang and annual ang gusto kong settlement ng pagbabayad dahil with experiance ang hirap ipagkatiwala ng pagbabayad kahit sabihin mong sa pamilya mo pa…sad to say tuwing umuuwi ako at least 3mos un walang bayad knowing na monthly ako ng sesend ng pangbayad…i do hope u can reply me as soon as possible kz im’ going back on march and im eager to fix this so plz let me know the requirments for restructure.and is it possible ba na annual ang pagbabayad thanks…kz ala na namand direct bank from hk sayang nga kung pede ang direct payment mas secure.thnks a lot

  • greyz

    hi..itatanong ko lang po sana kung pde pdin akong mg-avail ng housing loan khit na meron akong existing pag-ibig salary loan? salamat po.

  • gemmabelle

    good day po..balak po namin kumuha ng house and lot dito sa baguio,seaman po ang asawa ko,pero po ang bawas lang sa kanya pag-ibig ng company ay 100,paano po yun,pwede po ba syang maka pag loan ng 2 million? second po kung rent to own po namin iapapasok if ever yung pag-ibig loan nya pwede po ba yun?

  • Larry

    im interested to get house and lot thru pag ibig atleast 3-3500 monthly.. please let me know if you have, prefer ko pasig area or any adjacent area. with 2 br. and parking. thanks

  • tina

    hi maam! member po ako ng pagibig since 2005 but now jobless po ako. pde padin po ba ako mag aply ng housing loan? kahit wala nako work? … ung husband ko naman 3months palang sa bago nya work though member na cya at nakapag contribute na cya for morethan 4 yrs before… but after nya din ma jobless ng 1yr. now lang cya nagkawork ulit but still bago palang cya. pwede din ba un husband ko ang mag apply? kahit 3months palang cya sa work at di pa cya regular?… how about me maam pde padin po b? waiting for ur reply..thanks.

  • maricel

    good eve,
    ask ko lng po kc my housing loan ako on processing pa sya sa pagibig e bigla ako nag stop ng work this month madidisaproved po b ung housing loan ko pro next month mo mgtrtrabaho n ko ulet pls po sayang po kc ung reservation ko

  • Shiela L.

    Good day!
    Maam’ Ask ko lang po,nagseseminar po b kau mismo sa developer offices. Kc po kumuha po ako ng house and lot in Cavite and the Developer requires PAGIBIG counseling mismo sa office nila. May mga ganung cases po ba talaga? And I also want to ask if a Developer can sell a property thru PAGIBIG housing loan, can I consider them as a legitimate Developer? And is it true that If I got a property thru PAGIBIG housing loan, safe daw po yun? Thank you for reading my concern, I hope to receive a reply. Thank you so much po and more power to you!

  • nina olea

    gud pm…il would like to ask regarding housing loans…my husband is working in Mactan airport for almost 3yrs and his a member..but now his currently working in qatar..we would like to get a housing loan sa villa azalea in cotcot liloan…pwde ba mi maka avail sir/mdm? even if my husband is still working in qatar?

  • Marhata H. Julkiply

    HI ! GOOD AM PO.
    Gusto ko lang po mag inquire tungkol po sa housing loan sa pag ibig.OFW po ako..kasalukuyan na sa saudi po.magkaano po ang monthly payment kapag 15 years to pay..ang halaga po na housing 1.2 magkaano po ang ma avail loan ng ofw?

  • http://none April

    Gusto ko po sanang makapag avail ng housing loan..kaya lang wala na po ako work ngayon. pero sa previous work ko po may contribution na po ako sa mahigit dalawang taon.
    pwede po ba akong mag tuloy.?
    hiling ko po ang agarang sagot sa tanong ko.
    maraming salamat po
    Happy New Year.!

  • http://none Theresa Cabana

    Ask ko lang po na i year na po akong may arrears sa housing is it possible na i offset ko nalng po sa savings contribution ko po.Thank you

  • lotlot laylo

    ask ko lng po kung maaproved ba ang loan namin sa bibilhin namin house and lot ay kailngan itransfer nasa mister ko ang title o kahit di muna itransfer ay pwede iloan sa pag ibig,,,,ty

  • jelly

    hello po. member na po ako ng pag ibig pero hindi ko po alam kung ano yung pag ibig id number ko kasi nung first time na nagwork ako yung company ko hinulugan nila contribution ko tru sss. sa ngayon po may bizniz n ako gusto ko sana mg hulog pero hindi ko alam ang pag ibig number ko paano po ba malalaman ang id number ko sa pag ibig?
    salamat po!

  • rosana l. sales

    i am a government employee and is interested in buying a roperty here in pasay worth 950000.00. is there a required take home pay? can i avail the said amount of loan?

  • Maria Tessie Renacido-Urban

    To whom it may concern,
    Hello !I’m staying and working hier in Germany for already 28 years and just heard from someone about Pag-ibig Fund.I’m very interested now about your Programm and very willing to be a member and buy a House and lot in around Manila.My family is living in Las Pinas.
    Can you pls.write me what to do in order to accomplisch this interesting idea and what Papers do I have to submit and the compütation of the amount for a 300 sq.meter land with House.Hoping to hear from you as soon as possible.
    With full of thanks and regards from Germany

  • mailah

    hello..d2 po s taiwan..gusto ko sana continue ung hulog ko kaya lng po di ko alm kung paano at san d2..sana po matulingan nyo po ako..tnx

  • lei

    work po ako sa bines ng sister ko,pro ang sweldo po nmin ay kaliwaan lang po wala pong sobre o anuman para ibidenxa,maayos nman po ang sweldo,pde po pa akong magapply sa pagibig kahit selfcontribution nlang po?wla po akong cert.of employment canteen lang po kc,pro kaya ko pong maghulog,

  • Helen Frail

    Hi, I am a housewife from cebu city, i want to be a member of pag-ibig…my husband works in canada, can i be a member ng pag-ibig on my own contribution, ano po mga requirements na kailangan?

  • sanjoe

    Gud pm po.meyembro na po ako ng pagibig at nagcontribute na po ako for 2yrs.para makapagloan ng house & lot bali sa MAY pa po ako magiisang taon,ask ko lng po kung may down payment po ba sa pagloloan at magkano?plano ko po kc umuwi sa june para lng magloan paano po ba?at ano po ba ang dapat kong ihanda(requiremnts)para maihanda ko na po lahat kc po baka 45days lng po ang bakasyun ko …sa cagayan de oro city ko po balak kumuha ng house & lot.. sana mapadalhan nyo din po ako ng mga pictures ng bahay at lugar para makadecide kmi ng asawa ko kung saan kmi kukuha bago umuwi…MARAMING SALAMAT PO.

  • ara

    gud evening!!! im also interseted in this housing loan…but according to my coworker here, mtgal daw ang process nito.. it will take one year daw to process, totoo ba un? gusto ko nah xe mgpgawa ng bahay..
    pls.. answer me… i really want to know f mtgal tlga or wat..

  • alexander vargas

    i want to avail a loan for home improvement, what is their method of releasing the loan? do they have to assessed the house per loan released everytime?

  • alexander vargas

    i want to avail a loan for home improvement, what is their method of releasing the loan? do they have to assessed the house per loan released everytime?


    my daughter had been PAG IBIG member since she flew to canada and that was april 2007. we failed to pay since that time, so can we still consider it registered or deleted for it was been 3 years we had ignored it if it’s gone so could we reapply and how much it would cost in 2years just to avail of housing loans. we want advise from you and hope to hear from you soon. thanks.

  • May

    hello, ask ko lang po sana kung me nakakaalam dito kung wat requirements sa pagloan, ok lang ba yung expired na prc id? kasi nde pa ako nakapagpachange status eh. need kona sana thanks

  • Katrina Sherryl Navarro

    I have been contributing pag ibig premium since 2004 but based on my employment records,I have already contributed more than 60 months the problem is there is always a month or 2 gap before the subsequent contribution, the most number of months that is successive is 19 months. will I be able to avail the housing loan?

    (of the 60 months contribution 41 months is under my maden name Katrina Sherryl Cayetano, Katrina Sherryl C. Navarro is my maried name)

  • Katrina Sherryl Navarro

    I have been contributing pag ibig premium since 2004 but based on my employment records,I have already contributed more than 60 months the problem is there is always a month or 2 gap before the subsequent contribution, the most number of months that is successive is 19 months. will I be able to avail the housing loan?

    (of the 60 months contribution 41 months is under my maden name Katrina Sherryl Cayetano, Katrina Sherryl C. Navarro is my maried name)

  • beth

    member na ako ng pagibig kaya lang hindi consistent ang bayad ko, pwede ba akong mag down ng full 2 years then kumuha ng housing loan this year. my monthly salary is above 50 thousand monthly

  • http://yahoo jhing

    ask ko lang po kung capable po sa housing loan kahit may existing problem sa credit card payment…tnx po

  • http://yahoo maine

    hi, ask ko lang po if yung sales commission is included in the computation of net disposable income. thanks!

  • Babylyn Regio Dujali

    hi..sir maam me ibenbenta po house d2 smin s loma s pag ibig dn po ble me ngmeme ari n po nito eh hndi n po nia mhulugn ang amortization ung husband ko po member dn pag ibig pwede po b ulit ilipt s pngaln ng aswa ko e2 tru pg ibig

  • http://yahoo jose nico necesito

    sir I am working in the province as regular teacher for almost 10 years.naka attend po ako ng seminar dito sa amin probinsiya.pero ang binibili ko pong old house ay nasa manila sa san mateo pag ibig house loan din po. ipinagbibili niya eto.bayad na daw eto as cash. so ipinagbibili din uli nya sa akin.pwede po ba ang ganyan case? gusto ko bilhin as loan sa pag ibig para sa mga pamangkin ko mag aaral ng college sa is my num 09297944300

  • peng

    Goodmorning Sir/Ma’am:
    I was a member before but stopped paying my contribution nung nag work abroad ako.gusto ko sana ipa-reactivate ang pag-ibig contribution ko. Since i experienced insult from a Pag-ibig employee here in Kidapawan,nawalan ako ng gana mag asikaso noon. But now, badly needed ko po ang bahay for my kids..want to have my own.So, if possible,ok lng ba na bayaran ko lng yung 2yrs contribution to avail housing loan and self-employed na po ako. Thanks and more power!

  • http://yahoo MARITES BAQUIRAN

    OFW po ako dito sa hongkong gusto ko pong malaman kung pwede po bang bayaran yung 2years agad just to avail the housing loan….coz im planning to go back for good in pinas and have business…

  • http:[email protected] divina myla balazon

    gud afternoon po!

    inquire lang po ako about sa housing loan sa pag ibig,may house and lot po kasi na for sale pwde po b ipasok sa pag ibig housing loan ung ganun?member po ako ng pag ibig 3 years and four months pwde po b na ang pag ibig muna ang mag bayad tapos huhulugan ko n lng po sa inyo monthly?thanks!


  • norma flores

    Hi sir,

    inquire ko lang po, nakaloan po kasi ako sa PAG-IBIG noon sa dati ko po ofis before i went to the U.S. pagbalik ko po dito i worked as a independent consultant in which di po ako pinabawasan ng PAG-IBIG since di nga ako permanent just on a per project basis. we bought a lot sa bulacan and gusto po sana namin patayuan ng house. am i eligible to make a loan?i contributed naman po before more than two years po yun but yun nga lang po yung loan ko di ko na lam ang status.

    hope you could help me out.

    salamat po!


  • ellie

    hello! ask ko lang po kung meron din kayong any info on the part of developers, specifically about the requirements for selling or constructing properties ska po if they can tie-up or get financing from Pag-ibig? salamat po ng marami!

  • Ronnie Barrameda

    kung may binibentang bahay na may titulo na…pwede q bang bilhin yun gamit ang loan sa pag-ibig? Yung pag-ibig ang bibili at huhulugan ko ito monthly sa pag-ibig for 25 yrs? pwede po ba un?

  • Jonathan

    Hi, I’m currently working here in dubai, and I am also a member of HDMF Pagibig since 2006, I want to know if pwede bang ang asawa ko ang magprocess ng loan, or is there any way n ako mismo ang magayos khit nandito ako s dubai. Ano po ang mga kailangan kong documents. Can you please send me an email for all the steps and procedures. Thanks and best regards.

  • miguel

    ask ku lang po, may ipinagbibili na house and lot dito sa amin sa may subdivision ng 1 million aalis pom kc ung may ari punta ng iba bansa. pwdi ku po ba na i loan o ipasok ng housing loan?

  • Jennifer Ocampo

    Hi, good morning just want to ask if yun bang letter of guaranty na nirelease ng pag-ibig para sa borrower ay iyon din ang dapat ibayad ng seller sa bir para sa capital gains tax or it depends to the selller kung magkano ang puwedeng ilagay sa deed of sale? hindi po ba magkakaproblema dun pagdating sa pagrelease ng cheque sa pag-ibig?

  • rc

    i intend to apply housing loan with pag-ibig as a single borrower, after scanning the housing loan application form, need pala signature ng husband ko, who is in abroad, panu un? ndi ba pwede dispense na lang signature nya considering that ndi naman xa co-borrower.thanks….

  • aileen m.barba

    gud pm po,ask ko lng po kc ung husbnd ko ay sea feffer,nag advance n po sy ng hulog sa pag ibig ng 48oo for his contrubution last jun 2008-jun 2010,kya lng po d ko po kc nhulugan ung july 2010-dec 2010.pero naghulog n ako ng jan 2011-may2011,itatanong ko lng po kc blak po nmin mag loan ng husbnd ko pag uwi nya this july ng housing loan,mkakapagloan po b kmi ng housing loan ng worth 2million?anu po b ang dapat nming gwin para mkapag loan kmi ng gnung halaga?thank u po,kindly reply to my email add.God bless….

  • efril

    sana may customer service iprovide ang gobyerno sa mga ganitong klaseng katanungan.. gusto ko rin sana mag tanoong.. pero magbasa basa nlng ako sa net hopefully to get the answer

  • Ronnel

    Just asking, paano po maging member ng pag-ibig fund? working student pa lng po ako. gusto ko po sana mag start na habang bata pa.

    Salamat po.

  • Alex

    Hello po, 2 years na po ako nag babayad sa pag ibig as a member then nag abroad ako.after 5 years nag start ulit ako mag bayad sa pag ibig this year. posible po ba ako maka pag housing loan this coming October, also pwede ko po ba magamit yung previlages ng asawa ko since member din po sysa ng pag ibig? Ang sabi po samin sa head office nyo sa makati..pwede raw po kame mag loan after 3 months na tuloy-tuloy ang hulog kasi counted na yung previous payment nmin.

    pero pag dating nman dito sa bansang pinag tatrabahuhan ko eh kelangan daw 24 months na sunod-sunod na payment.bakit po iba-iba sinasabi ng pag-ibig staff? ano po ba talaga ang dapat sundin kasi nag iiba-iba daw ang rules for housing loan..

    hope you reply..Thank You

  • ma. rosario b. espiritu


    property ko po ay under bahay financial na po, pede ko po bang re-loan ito thru pag-ibig, kasi po pinoforclose na po nila…i want unemployed for 5 years kaya hindi ko po nahulugan sa national housing ..bahay financial is asking for 400K settlement, hindi ko po afford one time payment, i am currently earing 20K+, 52 years old paying regularly may contribution @ 842.00/mo. ..please help me how to save our house…thank you.

  • jane vizco

    hello gusto ko mag loan sa pag-ibig ng house construction kelangan ba talaga ng title ng lupa o pwede na ang tax declaration?

  • Marivic Caintic

    Saan po ako pwede mag-apply ng Pag-ibig Funds. Andito po ako sa Canada now.

  • ronald

    Helo po i want to ask kung pwede i apply yun house na for sale na hindi sa subdivision ang amount nun house 1,600,000. Member nq dyan pa ako sa pinas nag work this last Dec umuwi ako galing Africa inactive q ulit yun Pag-ibig ko may 28 month nako kasama yun last March.2011 n hulog ko continue prin aq dhil nakablik nako sa work dito sa Africa. allow po ba aq n mka loan at ano ang requirment for application. I waiting your reply in my question.

    Thank you and God Bless

  • vilma

    Good Pm!
    Sir, may ilang katanungan lang po ako.
    1. Meron po hinuhulogan na LOT sa NHA si tatay, after 30 years binigay na po sa amin ang titulo ang problema papa register ko pa daw un.
    2. pinapunta ako sa BIR mag babayad daw po ako ng Capital Gains Tax. tama po ba pasensya na po
    maari po ba ninyo instruct sa akin ang mga gagawin sa CALAUAN pa po kasi un lote mahirap po mag pabalik balik from taguig. thanks po

  • Elias J. PanizaIII

    ask ko lang po if pwede na po akong kumuha ng housing loan 2yrs na po akong nakakabayad,sa community fiesta po sna sa may tabun mabalacat ung mga duplex po nila,pwede na po kya akong magloan ng housing loan? thank you po ng more power….

  • Noel S. Barrera

    I have an existing housing loan for 12 years now. We are planning to rennovate our house but considering the high cost of materials and labor we dont have enough amount to finance the rennovation. I am planning to pay the balance of our existing loan to avail a higher loanable amount e.g 1,500,000 which I believe I am qualified to. Below are my queries;
    1. Can I avail the loanable amount right after paying our existing loan?
    2. What are the requirements?
    3. Is this the right decision or just restructure our loan?
    4. How soon the loan approval will take?
    5. Regardless of the amount approved, will the whole amount be given to us?

    Thank you and best regards,



    Hi, i just want
    to ask if i am qualified to apply for Housing loan,i am earning
    13,000.00 a month and active member of Pag ibig Fund for 7yrs.We already
    own a lot and i am planning to build a house but i dont have enough
    money.How can your office help someone like me.Thank you so much.

  • [email protected]

    nagloan ako last may 2010 and deducted trhu my salary…can i avil the housing loan this year.?

  • Catherine Curammeng

    HI HDMF,
    We bought a unit in Cavite under PROFRIENDS (Developer), we are already paid our MONTHLY EQUITY, now we are about to pay our 12-MONTH MONTHLY AMORTIZATION. Until now we have not transferred yet to our unit. Developer says our account is still FOR EVALUATION. How long will our waiting be?
    Checking our docs & contribution will take how long for HDMF to evaluate our account.

  • rodrigo perez jr.

    may inaalok po saken na bahay sa cavite ,,3 years na po niya hinuhulugan
    ibenibenta po saken ng 85k . pano po ba ang proseso ng ganun ,pwede po ba niyo akong mabigyan ng advice tungkol doon,,

  • luisa cua

    saan ko ba makikita an mga foreclosed property ng pag ibig sa pangasinan

  • bianca chavas

    Dear Sir/Madam
    nais ko po sanang ibenta yung bahay at lupa namin , ang buyer po gusto nila ipasok sa pag -ibig (housing loan) ung ipangbabayad sa amin. Ano po ang kasiguraduhan na magbabayad sila kung isasalin sa kanilang pangalan ung lupa… kung pipirma po kami sa deeds of absolute bago po sila makapag loan sa pag-ibig, sabi po k c dapat nakasalin na sa pangalan ng buyer ung lupa bago sila ma approved sa loan.. puede po ba sa aming seller na nakapangalan yung checke na ibibigay ng pag -ibig para siguradong mababayaran kami.

  • algen

    have a nice day!
    2oo7 pa po akong member ng PAG IBIG..ngunit may puwang po ang aking hulog dahil may isang company akong pinagtrabahuhan na kumakaltas sa aming payslip pero hindi nagreremit sa PAG IBIG…nung nagwork po ako sa DEPED last school year as a permanent teacher saka nabigyan buhay ulit ang aking hulog…pwede na po ba akong makaavail ng housing loan if ever na punan o bayaran ko ung panahong hindi ako nakapaghulog?
    sana po ay mabigyan linaw ninyo ang aking katanungan..maraming salamat po.


  • madel cordero

    My bf and I is planning to buy a house thru pag-ibig housing loan, is it possible to do that?? there is already a house for sale i was thinking lang na pag di umabot yung loan allowed saken then we will combine yung sa knyang loan, please reply…thanks

  • Grace A. Talagtag

    itatanong ko lang po kung pwede po ako kukuha ng housing loan sa sa part ng mindanao nasa luzon po ako nagtatarbaho … gusto ko makkuha sa part ng pagadian city someday maka uwi na kmi don. pwde po kaya? sana mo advice nyo po kung ano gagawin ko….Thanks

  • carol

    gaano po ba ang kailangan salary ng isang menbro ng pag-ibig bago siya makapag housing loan?

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  • Jelisha Cornelio

    How could i get my pag ibig #? more than 2 years nkung member from 3 different employer until now di ko alam ang account # ko sa pag ibig

  • Aileen Bestar


    Gusto ko lang po sanang itanong,kung pwede ko po bang bayaran yung 2 years ng memeber ship for bag-ibig?,at kung pwede ba ako maka loan agad to purchase a house and lot here in zamboanga? pleas mail nyo po ako asap,

    thank you!

  • Edylyn Calate

    Hi!i would like to ask if im qualified to avail a housing loan my monthly salary is Php 8500 only.

    thank you

  • joyef

    hi!! ask lang po kung paano makapag apply for housing renovation loan kahit na may balance pa kmi na binabayaran sa pag ibig.thanks.

  • http://facebook mary grace dela cruz

    good morning po! gusto po ng kapatid ko mag housing load dito sa imperial silang cavite pero di ko po makita sa website nyo ang imperial open po b dito? ang alam ko po kasi madami p open dito… ty po

  • http://facebook grace cruz

    nakapag bayad n po ako ng cash sa housing loan n kinuha ko sabi po ng office sa makati call po ako after 3 weeks pero yong number n binigay di po macontact ano po b dapat gawin? thanks po

  • http://yahoo deogracias giray

    hello good day! member po ako ng pag ibig overseas program, pag nabayaran ko na po ba yung 2 years contribution ko maaari na po ba akong mag loan at pwede bang cash ang iloan ko para sa sarili kong lupa? at kung sakali hanggang magkano ang pwede kong iloan?

    sana po masagot niyo itong tanong ko para naman po magka idea ako kung ano ang magandang gawin ko pag uwi ko gusto ko lang po talagang magkaroon ng sariling bahay eh at sana matulungan ako ng pag ibig, maraming salamat po…

  • http://gogle micahel albert camu

    sir/ madam,
    i am a member of pag ibig in almost 5 years, and i am a regular employee of a private secto, and i never have any salary or housing loan sainyo, and im planning to buy a house and lot, gus2 ko snang magloan tru housing loan sainyo.. it cost 1million.. gus2 ko lng po malaman kung magkano ang iaawas s sweldo ko for 25years to pay… tnx

  • Eric

    I’m already in the process of paying my monthly contribution with Pag-ibig, but it is directly paid to the developer, I guess for the first 2 years. Anyway, I might have problems continuing my payment since I resigned from work (abroad) a few months back. I heard there is a buy back program being offered by Pag-ibig. As such, may I avail of this program? As much as I want to have that house, for now I do not have the resources to do so…so my wife and I decided to let go of the unit.

    Hope you can help by giving us an idea on what we should do…thanks in advance & more power!

  • rosalie alarmado

    nag avail po ako ng housing loan year 1997, nakapag loan take out po ako, nakabayad po ako, unfortunately di ko natapos at tuluyan ng na-cancell yung housing loan ko, meron po ba chance na maka refund ako sa mga nahulog ko since na di ko naman napakinabangan yung house, di ko po yun nagamit, please reply, thank you and God Bless


    ma’am/sir gusto ko pong maghousing loan pero di ko po alam ang procedure nagattend na po ako ng seminar pero di ko pa din maintindihan need ko po ng help thanks.

  • ruel

    nag nag resrve na ako ng aquired asset sa binigyan ako ng palugit na 15 days.pde na po ba lipatan h abang nag procss aq ng paper?

  • Ella

    Hello po, nag member po ako ng Pag ibig, pero hnd ko pa po nahuhulogan, balak ko pong hulugan ng 24 months, ang tanong ko po ay kung mahulugan ko po ang 24 months ay may posibelidad po ba akung maka loan for housing? may lupa na po ako, gusto ko po matayuan ng bahay isa po akung OFW sa Israel, Sa Lipa city po ang location ng lupa ko, pangalawang katanungan, magkano po ba ang minimum ng contribution ng OFW?
    kindly reply to my email adress, thank you…

  • rhia o. casillan


    follow up ko lang po yung application ko for housing loan


  • Richard Robinion


    Good day po! member po ako ng pag ibig s pinas kaso hindi ko pa na complete ung 24 months n contribution, gusto ko po sanang kumuha ng low cost housing, ngaun po andito me s Saudi, Gusto ko po sanang ituloy ung hulog ko s Pag ibig anu po dapat kung gawin

  • http:[email protected] eward creer

    GOOD DAY SIR/MAM…. paano po b ako mamakapag loan s inyo ng bahay at lupa? my bakanti po b kayo sa park lane io s san fransisco gentrias? yung rent o onw program nyo paano ko b yun malo-loan?

  • Ambet

    Ma’am / Sir,
    Isa po akong member ng pag-ibig gusto ko po sanang mag avail ng housing loan sa inyong tanggapan at kung pwede po dito na lang sa may antipolo kung meron po kayong available…..maraming salamat po at mabuhay po kayo……

  • josephine

    gudpm,ask ko lng po kung pede p b magloan tatay ko sa pag-ibig kahit nagstop na sya magwork since 2007,pero nahulugan nya po iyon since 1978.pls reply?
    anu po ang mga kelangang documents at pano po malalaman ung total contributions niya…

  • catherine villanueva

    Paano po ba ang dapat kong gawin kasi po may gusto po sana akong bilhin na house and lot,,,ang kaso po gusto ko po sana ipasok sa pag ibig pwede po ba iyon?Paano po ang gagawin ko?

  • catherine villanueva

    gusto ko po sana ipasok sa pagibig yung gusto kong bilhin na house and lot ,,,paano po ang gagawin ko sana po matulungan ninyo ako


    gud day sir/maam. mag tanong lang po ako, may house and lot po ako na bibilihin, sa isang subdivision, piro kulang ang pira ko. gusto ko sana ikolateral ang title ng lupa na yun para makaloan ako pangdagdag sa pira ko. puede po ba? puede po ba na hindi monthly ang bayad ko? gusto ko sana na sa loob ng isang taon ko tutubusin. member po din ako ng pag ibig, isa akong sundalo.


    gud day sir/maam. mag tanong lang po ako, may house and lot po ako na bibilihin, sa isang subdivision, piro kulang ang pira ko. gusto ko sana ikolateral ang title ng lupa na yun para makaloan ako pangdagdag sa pira ko. puede po ba? puede po ba na hindi monthly ang bayad ko? gusto ko sana na sa loob ng isang taon ko tutubusin. member po din ako ng pag ibig, isa akong sundalo.

    ang rason ko na hindi ko gusto na monthly ako mabyada kasi medyo tamang tama lang ang sahod ko sa ngayon kasi may loan po ako sa afpslai.

    kaya po next year ko tutubusin yun sir/maam kasi makapag apply napo ako ulit nag loan..

    sana masasgot po ang katanungan ko. maraming salamat po.

  • tessie o. pavericio

    inquire lng if pd mag avail ng home improvement loan ang isang member na may exstng housng loan? f pd, ano po ang dapat gawin at anu ano ang mga requrements?

  • editha o. manuel

    i have been a pag-ibig member since january 1993 up to the present but with several gaps due to coterminus status. i was reemployed again here at the house of representatives last february 2010 and this time on a permanent status. am i eligible for a housing loan now? can i use that loan to purchase an existing house and lot that has already accumulated unpaid monthly amortizations from the nhmfc? hope you can help me with this. thankyou very much.

  • mary ann R mendoza

    paano ko po malaman kong magkano na po ang balance nang housing loan ko kasi gusto ko na po magbayad nang buo.

  • lily baltazar

    iam a member since 1990 a goverment employee, i want to avail a housing loan , my monthly contribution is Php 100, how much can i avail for housing loan . .

  • paul

    maam sir
    can i ask something gaano po katotoo na matagal ma approve ang isang loan pag developer ang naglakad……….kc sa ngaun sa akin po pinapaasikaso ng developer ko na i loan ko thru retailer…………i need answer sir maam pls..

  • james young

    tanong ko lang if ever meron akong bibilihin na hse and lot naka name na yung title sa may ari na pero nag loan sya sa metrobank pinasok nya dun yung title etc. posible ba na pwede ipasok ko at apply sa pagibig yun?

  • bernz

    gd pm po! how many months does it take to be approved? if i’m going to avail a housing loan. pwede po ba lot ang meron then e-include ko na rin sa loan ang pagpapagaya ng bahay?
    thanx po.

  • Bernz

    Gd pm po. I just want to ask if how many months does it take to be approved if mag loan ako and pwede po ba ung lot lang then e-include ko na rin ung pagpapagawa ng bhay? thx po!

  • Jocelyn C. Maat

    Hi Sir/Madam,
    Opo, nasagot po iyong katanungan ko kung paano makaka-avail ang isang member for a loan, kelangan may 2 years uninterrupted contribution…paano ko po ba iaactivate ang membership ko? Pwede po ba ako magself remittance?..I am not connected to any company now.
    Thank you and God bless you….

  • Enelia

    Hello po,

    Plan ko po sanang mgloan for house improvement. Ano po ung requirements at mgkano yong maximum amount na pwde kung iloan?Thanks po.

  • nerissa

    pwede ba akong mag loan,ng pera lang para maipagawa ko ang lupa ng bahay,mag lupa kasi akung nabili,gusto kolang pagawa n ng bahay kasi. desabled kasi ang anak ko gusto ko mag gawa nag bed room sa kanya

  • Rainier

    Maaari po bang mai transfer ang naibayad sa Pag-Ibig sa panibagong account dahil ang binabayaran pala namin ngayon ay nakapangalan na sa iba. Kagagawan po ito ng developer kaya po sana ay maitransfer sa ibang account ang naihulog namin. Mayroon po bang paraan? Kung di po pwede ay pano na ang perang naihulog namin? Sana po ay tulungan nyo kami. Maraming salamat.

  • Ruben R. LOPez

    Gud AM Ask ko if mag kano ang interest if mag loan ako ng 800000 pesos

  • http://yahoomail nelita rontale

    hello po sa inyo i just want to ask po kasi ang sister in law ko kukuha ng house and lot through Pag – Ibig pero ang gagamitin nya yng sa asawa ko na kuya niya at OFW sabi nya ipapatransfer na lng po niya after 2 years …..Puede po ba yon? transferable po ba ang housing loan ….salamat po nang marami!

  • Divin N. Garces

    To PAg -ibig
    My Housing Loan na po ako na hinde ko na tirahan more than 3years na,
    ngayon po gusto ko ng tirahan pwede po ba akung mag loan ulit sa Home development program,
    At Paano po ba pag avail noon,


  • http://yahoo arlene c conde

    Hello gusto ko lang pong itanong kung pwede po ba akong mag avail ng housing loan kung meron lang akong 15 months contribution. OFW po ako as of now nandito po ako sa Pilipinas ang waiting for may visa para makabalik na ako sa Sudan to work. Ang asawa ko naman po ay OFW din sa Sudan.

  • Sharline

    Gud day. Na approved na po yung Housing Loan namin recently from pag-ibig…Ask ko lang if we can still apply for a loan para naman sa pagpapaayos ng bahay/? Hoping for your reply on this matter.
    Thank you for your kind consideration.

  • Raoul

    Hi, want to asked what is the remedy of the PAG-IBIG housing loan in case na default ako for more than 4 months? Thanks


    hello po,
    ako po isang ofw gusto ko po sana dito sa saudi maghulog ng monthly contribution ko..pano po ba sistema at meron po ba kayong pwedeng hulugan dito..dito po ko ngayon sa YANBU,K.S.A.

  • agustin tayo

    quirey lang po sana, my lupa na po kami thru ancestral. ang problema po namin ngaun dahil we have only a tax declaration, walang titulo. Im from Bantayan island, wala po kasing titulo ang mga lupa dito sa amin after the island was declared as timber land by late pres marcos. so ano po ba ang gagawin namin para maka avail ng housing loan? salamat po!…


    Good evening sir/madam,
    Member po ako ng PAGIBIG for 3 years. Nagrerent po kami ngayon ng isang commercial house sa isang tao na member rin po ng PAGIBIG. We received a letter last June 30, 2011 from PAGIBIG that she is not paying monthly payment since she got this house. In this letter it is written that her outstanding balance is 1,326,997.93. And now she wants to sell this house to us for the amount of 1,000,000 pesos. Does she has the rights to sell this house (the letter from PAGIBIG said that it is endorsement to foreclosure)? We also want to know if she can sell this house for rights only to other people? Kung foreclose na po willing po naming iapply ang unit na to sa PAGIBIG para hindi po sayang ang binabayad namin. Sana po sagutin niyo ang aming mga katanungan as soon as possible. Maraming salamat po

  • http://n/a pepito

    I have a lot already but just to have a loan to build a house in a lot, and I want to collateral my farm land to your bank .Could you breakdown P2,ooo,ooo loan in 5 years to pay.Please let me know the requirement and procedure I appreciate.


  • http://yahoomail dean joseph barba

    I have been working straight for five years. After that I stop working in our company and chose to start doing my own business. How can I be able to apply for a housing loan? I last worked on January 2009 and since then I was not able to give my contribution up to this time. What shall I do…

  • TESS

    ask ko po sana halimbawa magloan ako ng 1million and approved, magkano ang equity na require and babawasin po ba ito don sa maloan ko na 1million?
    please give as idea po. thanks

  • Inday

    We are both members of Pag ibig,me and my husband,we allready avail a housing loan before and that was 1997 ,that was fully paid by the year 2002,we stop our remittance since we go abroad, and this time we reinstated our membership On Dec 2011, we paid the 200.oo/mo. for one year.
    I would like to inquire, how long can we avail again a housing loan program?,and Can we loan worth 3M?

  • Aldie


    I would like to clear this out. The total amount loaned from pag-ibig is 881000, I would like to ask that if after 3 years, will the amortization be repriced to the deducted 881000 minus the total monthly amort paid for 3 years ? or is it only the interest rate that is to be repriced. Thank you very much.

    I am hoping for a reply

  • edwin

    ask ko lang po sana kong kaylan ako matatapos ung loan sa pag-ibig ko kc nalimutan ko na, kong kay lang ako huling nag loan, and naiwan ko po ung card ko sa pinas. sana masagot nyo ang aking tanong.
    salamat po…….

  • antonia rosaria

    do you have a list of forecelosed property in Northgate,SJDM, Bulacan particularly? I want to buy in this location because all my children lives in this community. please advise me, and than you

  • maricel picardal

    more than 2 years na po ako member ng pag ibig gusto ko po sana mag avail ng house renovation pero voluntary na lang po ako naghuhulog may store po ako posible po ba na makapag avail ako ng house renovation khit na voluntary na lang po ang paghulog ko at tax declaration lang po yun lupa namin

  • Karen

    Ask ko lang po, kc 6 months n ako d nakakabayad s housing loan, pwede ko po b pa retructure?

  • rowena sol

    good day,
    i just want to ask kung saan po mag avail ng SPA in my behalf sa Pinas po ba or dito sa abroad where i lived? bale sa U .A .E po ba? para po sa housing loan application.Thanks and waiting for your reply.


  • lhen garcia

    Im done with the 20% DP with the developer and continuously amortizing with the developer at present. Can I apply for the remaining outstanding balance from Pag ibig (approzimately 75% of the total contract price)? Or is it only 70% of the appraised value (I heard that is the maximum loanable amount with Pagibig)? In parallel to this, can I also apply for the home improvement on the same property? How much is the loanable amount for home improvement, is it the full contracting price?

  • anilo luna

    paano po aq mag loan if merun aqng sariling lote ang monthly contribution q is 100 lng.magkano dn kaya ang halaga ng maloan q na housing loan….sana po matangap q ang inyong kasagutan…

  • http://yahoomail atchoy

    can i apply a housing loan even if i’m just a project based employee.i’ve been
    employed & contributing for 16mos.



  • lore

    hi good day .
    pag ibig member n po ako nung 2008 pa, but unfortunetly i didnt pursue paying my monthly , if ever i want to pay my 2 years contribution , so that i can apply fr housing loan , is there a posibility taht i can do so , can u pls email me the answer …. thanks a lot . my monthly contribution is 300 per month when i was in singapore ,,, hope to hear from ur good offce .. thnks

  • http://yahoo chie

    gudday, inquire lang ako 4 housing loan.. i’m working for almost 3 yrs. gs2 ko po kz mgaply 4 housing loan, ppwd po b un kng tao lang kmi bibili at hnd s mga subd., gang mgkano po kya ang ppwd kong maloan? and anu po ung mga usual n requirements.. +nx and godbless..

  • hazel minoza

    hi! im hazel minoza of cabuyao laguna,tnung ko lang po kung my forsale na bahay sa celesine home phase 1 marinig cabuyao laguna.

  • Lorena E. Bravo

    Hello san po ba ang office ng pag ibig dito sa cagayan valley- I want to know more about pag -ibig…tnx

  • mayla

    hi ! po mag- tatanong lng po ako sa inyo paano ba mag-enroll sa pag ibig,kasi po di nmn ako OFW, gusto ko po mag-pa member sa pag ibig,ang kaso dual/po ako USA/ PILIPINO po ako kaya nga po mag-tatanong po ako pls responds me po,okay po maraming salamat,mayla

  • fritz


    i just want to ask if we only have 100 pesos contribution. can we still avail the housing loan? up to how much can we loan?
    thank you

  • linda A. Agagen

    how much MPL can i avail

  • http://smartBro Lyn P. Dup-et

    How can i avail my HDMF transaction card

  • nlda

    hi! gusto ko po sanang mag inquire regarding sa loan for construction of house, meron na po kasi kaming lote at gusto na sana namin patayuan ng bahay, ano po kaya ang dapat namin gawin para makaloan sa pag ibig, ano po b angmga requirements?

  • alfie

    hi it is possible po ba na pag binayaran ko po in advance yung 2 years contribution possible na po ba akong makapagloan immediately ? or if not how long po yung hihintayin ko inable for me to make the loan thanks po….

  • amor clarido

    My husband wants to purchase a house and lot worth 700,000.00. If he will loan the amount for 20 years, how much will be the amortization per month?

  • http://n/a Kristine Gonzales


    Kelan b dapat mgloan for improvement? March 4, 2012 lang po ako naging member ng Pag-ibig.

  • wilfredo a. pascua

    mag inquire lang po papaano mag apply ng loan para sa pagpapatayo ng bahay: may lupa na po ako sa province gusto ko po sana magloan para sa pagpapagawa ng bahay: pls send me guidelines TY po

  • wilfredo a. pascua

    mag inquire lang po papaano mag apply ng loan para sa pagpapatayo ng bahay: may lupa na po ako sa province gusto ko po sana magloan para sa pagpapagawa ng bahay: pls send me guidelines TY po paki email nalang po guidelines sa email ad ko

  • frediliza c garcia

    hi gud day po plano k po kumuha ng bahya at lupa thru pag ibig since im a new member,pwede n b k magloan s two years k,kaanu po b kabilis ang pagkuha dhil po 1mos lng ang bakasyun k,kasalukuyan kcing nangungupahan mga anak k nasasayangan n rin ako.kng pwede po matulungan nyo k just a sort of advice para magkarun nman ng katuturan ang pag aabroad k salamat po in waiting for your response

  • mai

    paano po makapag loan yung mga seaman?ano po yung mga requirements?

  • wilfredo s. campos

    hi gud day,
    isang ofw ako, may housing loan ako sa pag ibig noon, may bumili ng house ko at lumipat ang family ko sa province, hindi ko alam kung ipinag patuloy nila ang bayad sa pag ibig, ang tanong ko ay ganito, pwede po ba ako maka loan ng bahay ulit? kc may mandatory ang bayad ng OFW.

    nasa 8 years na ako nag huhulog ng contribution noon nag trabaho pa ako sa pinas, ngayon ko lang gusto ipagpatuloy, anong dapat kung gawin para maka pag loan ulit ako nag bahay?

    salamat po

  • vivian

    gud day po! tanong ko lang po regarding po sa monthly amortitation sa housing loan..bale mula nung na take out nung sept 2008, 3yrs & 10 months na po ko nakakapag hulog. kasi po natatakot po ko baka bigla na lang po i closed un nakuha ko kasi 4months na po ang unpaid amortization ko, maari ko pa po ba mabayaran un ngaun buwan (nov 2012) til ma update ko…d po ba agad i closed un o i buy back…sayang po kasi kaya lang humihingi ko ng palugit na ma update ko til ngaun katapusan ng nov 2012 o bago pa dumating ang due ko ng dec 2012.. salamat po sana po ay mapagbigyan niyo ko…

  • Paul Dexter L. Gelig

    Good day..! Ask lang po ako. Pwede ba mag hulog good for two years ang OFW? Salamat po.

  • Joon Paul Barral

    hi gud am!
    my tanung lang po ako sa lot loan kailangan po bang certified true copy of transfer certificate of title bago makakuha ng loan

  • john roy

    hello po good day po! ako po ay isang ofw at member po ako ng pag ibig, gs2 ko lang po tanungin kng paano po magloan sa pag ibig kc po balak ko na pong mag stay sa pinas at kailangan ko png magpatayo ng bahay, meron na pong lupa pero bahay na lang po ang kulang, ano po ba ang ga2win ko para makaloan ako sa pag ibig at magkano po ang ba2yaran pag nakaloan na po ako? thank you po…pls po help me..

  • ney

    ask ko lng po, if mg apply ka ng pag-ibig for a certain housing po sa isang developer and then na disapproved yong housing loan mo pwede bang mg reapply ulit for that the same property pa rin?

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