This document summarizes the Pag-IBIG Fund membership programs and benefits in the Philippines. It discusses (1) the mandatory membership coverage which includes government employees, private sector employees earning PHP1,000 or more per month, OFWs, and self-employed individuals; (2) the monthly contribution rates of 1-2% for employees and employers; (3) the short-term loan programs for multi-purpose and calamity loans; (4) the end-user home financing program requirements and loan terms; and (5) the provident benefits available such as optional and mandatory withdrawals, retirement, and death benefits.

1. Pagtutulungan sa Kinabukasan
I
K
A
W
B
A
N
G
K
O
I
N
D
U
S
T
R
I
Y
A
G
O
B
Y
E
R
N
O

3. MEMBERSHIP
PROGRAMS
SHORT-TERM
LOANS
BENEFITS
AND
PROGRAMS
END-USER
HOME
FINANCING
SHEME
MODIFIED
PAG-IBIG II

4. MEMBERSHIP (R.A. 9679)
Mga empleyado sa Gobyerno
Mga empleyado sa Pribadong sektor
(permanent, temporary o provisional)
Mga kasambahay na kumikita ng mula P1,000 o mas
mataas pa kada buwan
Mga OFW, seafarer
Mga Self Employed, anumang klase ng
pinagkakakitaan; kumikita ng mula P1,000/month

5. Kinikita / buwan
Buwanang Hulog
Empleyado
Employer
P1,500 o mas mababa
1%
2%
Higit P1,500
2%
2%
Note: Maaaring pagbasehan ang P5,000 o 2% ng aktwal na kita
Mga kinakailangan dokumento para sa mga Employer:
 DTI/ SEC/ CDA Registration
Self-Employed:
 DTI (para sa mga may negosyo)
 PRC license (propesyunal)
 Rehistro ng sasakyan (transport operator)
 Certificate of Appointment/ Employment (Commission Basis, JOs,
Drivers, Conductors, kasambahay)
 Atbp. na maaaring hingin ng kinatawan ng Pag-IBIG Fund

6. SHORT-TERM LOANS
Multi-Purpose Loan
 This program aims to provide financial assistance to PagIBIG members for purposes of minor home improvement,
livelihood, medical, educational, purchase of appliance
and furniture and other needs.
Calamity Loan
 This program aims to provide financial assistance to PagIBIG Fund member-victims in calamity-stricken areas, as
declared by the Office of the President or the
Sangguniang Bayan.

7. Sino ang maaaring mag-apply?
1. Aktibong miyembero ng Pag-IBIG sa panahon ng pagloloan;
2. May nabuo ng 24 buwanang hulog;
3. May 5 buwanang hulog sa loob ng huling 6 na buwan.
Bilang ng
Hulog
Loan Amount
(MPL)
24-59 buwan
60% ng TAV
10-119 buwan
70% ng TAV
120 buwan pataas
Loan Amount (CL)
80% ng TAV
80% of TAV
Interes: MPL- 10.75% kada taon; CL- 5.95% kada taon
Panahon ng Pagbabayad: Kailangan mabayaran sa loob lamang ng Isang taon na may
grace period na 2 buwan sa MPL at 3 buwan para sa CL.

8. END-USER HOME FINANCING PROGRAM
I. LOAN PURPOSES
Purchase of Lot (PL)
Purchase of Residential Unit (PRU)
Construction of House (CH)
Home Improvement (HI)
Refinancing an Existing Loan (REL)
*Combination of loan purposes is allowed.

9. II. BORROWER ELIGIBILITY
 Must be an active member with at least 24 months contribution.
- Lump sum payment is allowed.
- Members Savings (MS) Requirement
 Minimum of P200, equivalent loan entitlement is up to
P500,000.
 For every P50 increase in MS, an equivalent increase of
P100,000 in loan entitlement.
- Not be more than 65 years old upon loan application.
- Has the legal capacity to acquire or encumber real property.
- Has passed satisfactory background/credit and employment/
business check.
- No outstanding housing loan, no housing loan that was
foreclosed, boughtback or subject to dacion and pago. Multipurpose/Calamity loan should be updated at the time of loan
application.

10. III. LOAN AMOUNT
- Maximum of P6 Million
1. ACTUAL NEED
- Amount Applied For
- Contract to Sell (PL/PRU)
- Bill of Materials/Construction Contract Price (CH/HI)
- Statement of Account (REL)
2. CAPACITY TO PAY
- For loan not exceeding P1.25 Million, monthly repayment shall
not exceed 35% of Gross Monthly Income (GMI).
- For loans above P1.25 Million, monthly repayment shall not
exceed 30% of GMI.
3. LOAN-TO-COLLATERAL VALUE RATIO
- Maximum of 90%, subject to Borrowers Evaluation System (BES)

11. IV. INTEREST RATE
- Minimum of 7.895% per annum, subject to change based on the Fund’s
prevailing pricing framework at the time of loan availment.
V. LOAN TERM
- Maximum of 30years
VI. INSURANCES
- Mortgages Redemption Insurance (MRI)
- Fire Insurance
VII. MODE OF PAYMENT
- Salary Deduction
- Post Dated Checks (12 PDC’s)
- Over-the-Counter (OTC)
- CSA with the accredited developer
- Auto debit arrangement with banks
- Bayad Centers/ G-Cash/ I-remit, etc.
VIII. LOAN CHARGES
- P3,000, broken down to
- P1,000 upon filing, non-refundable
-P2,000 upon loan take-out.

12. END-USER HOME FINANCING SCHEME
(Circular No. 310)
Gross Monthly Income Required (Based on 7.985% rate and 30 years term)
GMI Required
Loan
Term
(No. of
Terms)
500T
1M
2M
3M
4M
5M
6M
5
28,956.03
57,912.06
135,128.10
202,692.17
270,256.23
337,820.27
405,384.33
10
17,321.20
34,642.37
80,832.23
121,248.33
161,664.47
202,080.57
242,496.70
15
13,639.80
25,279.60
63,652.43
95,478.63
127,304.83
159,131.07
190,957.27
20
11,935.80
23,871.63
55,700.47
83,550.67
111,400.90
139,251.13
167,101.37
25
11,011.74
22,023.51
51,388.20
77,082.27
102,776.37
128,470.47
154,101.37
30
10,467.43
20,934.83
48,847.93
73,271.90
97.695.90
122,119.87
146,543.83

13. Monthly Amortization at 3years Fixing Period (Based on 7.985% rate
and 30years term)
Loan
Term
(No. of
years)
Monthly Amortization
500T
1M
2M
3M
4M
5M
6M
5
10,134.61
20,269.22
40,538.43
60,807.65
81,076.87
101,346.08
121,615.30
10
6,062.42
12,124.83
24,249.67
36.374.50
46,499.34
60,624.17
72,749.01
15
4,773.93
9,547.86
19,095.73
28,643.59
38.191.45
47,739.32
57,287.18
20
4,177.53
8,355.07
16,710.14
25,065.20
33,420.27
41,775.34
50,130.41
25
3,854.11
7,708.23
15,416.46
23,124.68
30,832.91
38,541.14
46,249.37
30
3,663.60
7,327.19
14,654.38
21,981.57
29,308.77
36,635.96
43,963.15

14. AFFORDABLE HOUSING LOAN PROGRAM
(Circular No. 312)
Loan Amount
P400,000
P750,000
Gross Income
Requirement
Interest Rate
NCR Region
P15,000 per
month
P12,000 per
month
4.5% Interest
Term of Loan
(in years)
NCR Region
P17,500 per
month
P14,000 per
month
6.5% Interest
Monthly Amortization
5
7,457.21
14,674.61
10
4,145.54
8,516.10
15
3,059.97
6,533.31
20
2,530.60
5,591.80
25
2,223.33
5,064.05
30
2,026.74
4,740.51

15. BENEFITS AND PROGRAMS
HOUSING LOAN (Programang Pabahay)
Programs:
 PL- Purchase of Lot
 PRU- Purchase of Residential Unit
 CH- Construction of House
 HI- Home Improvement
 REL- Refinancing Existing Loan
…Combinations:
 PL&CH
 PRU&HI
 REL&HI
 REL&CH

16. ** Ilan sa mga kwalipikasyon:
 Aktibong miyembro
 May 24 buang hulog o kontribusyon
- Ang isang bagong miyembro na nagnanais nang makapaghousing loan ay maaaring bayaran ang buo ang 24 buwang
hulog nang minsanan (lump sum) upang ma-qualify.
Ang pinakamataas na halaga ng maaaring ma-loan ay P6,000,000 at
magbabase sa ss.:
 Actual need
 Capacity to pay
 Loan-to-Appraisal Value
Ang interes ay naayon sa pipiliin ng borrower na Re-pricing period:
3 years
5 years
10 years
15 years
30 years
7.985%
8.985%
10%
10.75%
12.25%

17. PROVIDENT BENEFITS
Optional Withdrawal of 15years (180mos. continuous
contribution)
Membership Maturity (20years/240 contributions)
Retirement
• Optional retirement at age 60
• Mandatory retirement at age 65
Permanent departure from the country
Permanent or total physical disability
Termination from service by reason of health
Death of the member

18. OTHER INFORMATION…
1. Ano ang Republic Act 9679?
2. Ano ang benipisyo ng miyembro sa Pag-IBIG?
3. Bakit kasama ang OFWs sa mandatory membership
coverage?
4. Lahat ba ng OFWs ay sakop ng mandatory coverage ng
RA9679?
5. Kung ang isang dati nang miyembro ay magpapa rehistro bilang
OFW, ano ang mangyayari sa kanyang kontribusyon?

19. MODIFIED PAG-IBIG II PROGRAM
Isang boluntaryong programa ng pag-iimpok na
nagbibigay ng pagkakataon sa mga miyembro ng Pag-IBIG
na kumita ng mataas na dibidendo, kumpara sa Pag-IBIG
I, mula sa kanilang inimpok sa loob lamang ng limang (5)
taon. Bukas ang programa sa lahat ng miyembro na kasali
sa Pag-IBIG I o regular member na kumikita ng mahigit
limang libong piso (P5,000) kada buwan. Kasama sa
programa ang mga OFW-member ng Pag-IBIG.

20. BUWANANG HULOG
Pagkaraan ng 5Taon**
Pagkaraan ng 10Taon**
P500
P34,927.79
P81,655.02
1,000
69,843.58
163,310.05
2,000
104,765.37
244,965.07
2,000
139,687.16
326,620.10
5,000
349,217.90
816,550.25

21. Thankyo
u !!!!