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(2018) UPDATED: How to Apply for PAG-IBIG Housing Loan


Do you want to get a PAG-IBIG housing loan?

Here’s everything you need to know about the PAG-IBIG housing loan in the Philippines, from the list of documents you must submit to the application process that you need to undergo.

The Home Development Mutual Fund, more commonly known as PAG-IBIG, has been one of the usual options of Filipinos when looking for an affordable home loan.

Good news for members: PAG-IBIG has recently simplified the application steps and reduced the application requirements to make it easier for you to get a PAG-IBIG home loan!

Uses of a PAG-IBIG Housing Loan

Not everyone knows it, but Pag-IBIG members may get a housing loan for any of these instances:

  • To buy a brand-new house and lot or other newly constructed property;
  • To purchase an existing residential house and lot, townhouse, or condominium unit;
  • To buy a fully developed residential lot or adjoining lots not exceeding 1,000 square meters;
  • To acquire a property currently mortgaged with PagIBIG;
  • To buy a foreclosed property now acquired by PagIBIG;
  • To spend on home improvements or to construct a residential unit on a lot owned by the member;
  • To transfer an existing housing loan from another bank or financial institution (i.e., to refinance an existing housing loan)

Who are eligible to apply for a Pag-IBIG housing loan?

Filipinos who satisfy the following requirements may avail of a Pag-IBIG housing loan:

  • Must have remitted 24 monthly Pag IBIG contributions. New members or those who have not paid the 24 monthly contributions may pay total contributions in lump sum;
  • Has no outstanding Pag-IBIG housing loan;
  • Has no outstanding multi-purpose loan in arrears.

What are the Application Requirements?

Here are the documents you need to prepare and submit to avail of a PAG IBIG Housing Loan.

I. Requirements when submitting a Loan Application

  1. Pag IBIG Housing Loan Application (you may get this from PAG IBIG);
  2. ID photo of borrower and co-borrower (if applicable), to be attached to the application form;
  3. Photocopy of one (1) valid ID (back-to-back) of Principal Borrower and Spouse, Co-Borrower and Spouse, Seller and Spouse and Developer’s Authorized Representative and Attorney-In-Fact, if applicable;
  4. Certified True Copy of Transfer Certificate of Title (TCT) of the property. For Condo Units, present TCT of the land and Certified True Copy of the Condominium Certificate of Title (CCT);
  5. Latest Tax Declaration of the property;
  6. Photocopy of latest receipt for Real Estate Tax (Amilyar);
  7. Contract-to-Sell or similar agreement between the buyer and seller;
  8. Vicinity Map/Sketch of the Property
  9. Proof of Income of the borrower (see more details below)

II. Proof of Income of the Borrower

A. If you are employed in the Philippines, any of the following may be submitted as Proof of Income:

  1. Notarized Certificate of Employment and Compensation (CEC), indicating the gross monthly income and monthly allowances or monthly monetary benefits received by the employee;
  2. Latest Income Tax Return (ITR) for the year immediately preceding the date of loan application, with attached BIR Form No. 2316, stamped received by the BIR;
  3. Certified One (1) Month Payslip, within the last three (3) months prior to date of loan application

For government employees, the Certified One (1) Month Payslip within the last three (3) months prior to date of loan application, must be submitted together with CEC or ITR.

B. If you are self-employed in the Philippines, any of the following documents are accepted as Proof of Income:

  1. Income Tax Return (ITR), Audited Financial Statements, and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit;
  2. Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months);
  3. Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances, pensions, etc.);
  4. Copy of Lease Contract and Tax Declaration (if income is derived from rental payments);
  5. Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for other PUVs);
  6. Certificate of Engagement issued by owner of business;
  7. Other document that would validate source of income

C. If you are an Overseas Filipino Worker (OFW), you must submit any of the following Proof of Income:

  1. Employment Contract between the employee and employer or POEA Standard Contract;
  2. Certificate of Employment and Compensation (CEC) written on the Employer/Company’s official letterhead or CEC signed by employer (for household staff and similarly situated employees) supported by a photocopy of the employer’s ID or passport;
  3. Income Tax Return filed with Host Country/Government

If any of the above documents are in foreign language/s, English translation of the document is required.

III. Application Processing Fee

PagIBIG housing loan applicants also need to pay the following processing fee:

  • P1,000 upon filing and submission of the housing loan application with required documents. Take note, this amount is non-refundable.
  • P2,000 appraisal fee, also to be paid upon filing of loan application. Again, this payment is non-refundable.
  • P2,000 to be deducted from the loan proceeds, once the loan is approved and ready for release.

IV. Requirements upon Loan Approval and Prior to Release of Loan Amount

  1. TCT/CCT in the name of the borrower/co-borrower/s (if applicable) with proper mortgage annotation in favor of Pag-IBIG Fund (Owner’s Duplicate Copy);
  2. TCT/CCT in the name of the borrower/co-borrower/s (if applicable) (Certified True Copy) with proper mortgage annotation in favor of Pag-IBIG Fund (RD’s copy);
  3. Updated Tax Declaration (House and Lot) and Updated Real Estate Tax Receipt (Photocopy) in the name of the borrower/co-borrower/s, if applicable;
  4. Loan Mortgage Documents, including:
  • a. Loan and Mortgage Agreement duly registered with Registry of Deeds with original RD stamp;
  • b. Deed of Absolute Sale duly registered with Registry of Deeds with original RD stamp;
  • c. Duly accomplished/notarized Promissory Note; and
  • d. Disclosure Statement on Loan Transaction.

V. Additional Requirements (only if applicable)

A. If you are an OFW, you must also submit:

  1. Special Power of Attorney (SPA) notarized prior to date of departure. For an OFW member abroad, an SPA notarized by a Philippine Consular Officer, or SPA notarized by a local notary (of the country where the member is working) but duly authenticated by the Philippine Consulate.
  2. If requested by PagIBIG, you must also submit the following documents:
  • Payslip indicating income received and period covered
  • Valid OWWA Membership Certificate
  • Overseas Employment Certificate
  • Passport with appropriate visa (Working Visa)
  • Residence card/permit (permit to stay indicating work as the purpose)
  • Bank remittance record
  • Professional License issued by Host Country/Government

Again, take note. If the documents are written in a foreign language, an English translation of the document is required to be submitted.

B. For OFW borrowers over 60 years old:

  1. Health Statement Form (Medical Questionnaire); and
  2. Copy of the result of medical examination conducted prior to assignment overseas as required by the employment agency

C. For borrowers over 60 years old or borrowers up to 60 years old (if loan amount is over between P2 million and P6 million):

  1. Health Statement Form (Medical Questionnaire)

D. For properties purchased from a Developer or Corporation or Association:

  1. License to Sell (if property is being sold by a Developer);
  2. Secretary’s Certificate on the Authorized Signatory of the Developer or Corporation or Association;
  3. One (1) valid ID of the Corporate Secretary and Authorized Signatory of the Developer/Corporation/ Association (Photocopy, back-to-back)

If you have questions or clarification, visit or contact a Pag-IBIG office near you. Hope you can own a property soon!

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41 thoughts on “(2018) UPDATED: How to Apply for PAG-IBIG Housing Loan”

  1. kfranc says:

    do you get a chance of approval if you have a pending bank loan or unsettled credit card debts?

  2. Joseph Baliso says:

    There is too many lending company nowadays and it’s hard for my father to choose which is the best. I hope some one from this page can help me. My father is an ofw for over a decade and he is planning to put up a dream business. Please help us guys!

  3. Dylan Dela Cruz says:

    This is a good read on how to get your pag ibig housing loan approved

  4. yu main says:

    Timely post ! I loved the facts , Does anyone know where my assistant can access a fillable PH HQP-SLF-001 document to fill out ?

  5. Michell B.Dubas says:

    I and my husband got married this Dec 04,2017. My contribution in Pagibig reached more than 24 months already however my husband is now planning to apply for it . Based on the requirements for housing loan ,I am qualified .But my question is since we both planning to get a housing loan and wants to combine our contributions ,will it be possible ?

  6. Edna vallestero says:

    May lot po ako nabinenta at yung buyer gusto po iloan sa pag ibig 50%lng muna ibabayad nya at ako hintayin ko yung gauranteed letter mula sa pag ibig gano pa katagal at pag release ng gauranteed letter

  7. melanie dino says:

    Hi gud day..im planning to apply on housing loan it is possible to me tobe approved im already self emplyoyed right now..

  8. Diane Crizeth Garro says:

    Hi po.Ask ko lang need ko pa po magpasa ng itr.since wala naman po any deduction from may employer.i’m a on call wedding coordinator po.worried po ako regarding this matter.Nakapag pa-reserve na po ako ng unit last month.On going na po yung completion of requirements ko.Only ITR lang po ang wala ako. Ini-update ko na din po yung contribution ko thi year as self-employed.Anu pa po yung mga need ko iready?

    Your acknowledgement is highly appreciated.

    Thanks and God bless :)

  9. jonalyn b. valera says:

    dear maam/sir:
    Good Day!
    i want to avail housing loan, possible location is plaridel or baliwag bulacan.
    thank you.

  10. Richard nonepara says:

    Hi mam/sir iwant to avail a housing loan Bacolod area possible here in Bacolod

  11. Rosemarie Ramos says:

    May required sqm ba ang property.para mailonan sa pagibig for construtcion loan. Thanks

  12. LEE COLIN says:

    We would like to speak with Pag Ibig representative directly for assistance meeting the requirements for a loan Pag Ibig Mortgaged Property.

  13. Regina says:

    Hi,

    Would like to ask if apartment construction (e.g. 10 door apartment) can be used to apply for a pagibig loan

  14. Toni says:

    — Please update your info
    Ask ko lang po kc may kinukuha kaming rent to own house then fully paid n namin ang downpayment kompleto n din ang ang documents namin ang problema nga lang is hindi pa agad masubmit ng developer Ng documents namin dahil may inaayos p daw cla pero pauwi n po kc ang husband ko n ofw sa saudi at mag end of contract n din sya ngaung may by april pa daw masubmit nf developer ang documents namin sa pag ibig possible ba na hindi maaprobahan ang housing load namin

  15. Jethro Masinlang says:

    Hi. Tanong ko lang po, kapag nag loan po ako sa PAGIBIG, buo ko po makukuha yung pera? Ex: Loan amount ko ay P2,000,000, marerelease po ba ng buo yung P1,998,000?

  16. Arcel harry rayan says:

    May gusto po kmi bilin lote na may nakatayo n unfinished house,900 sq.m ang lote..ano po ang requirements?

  17. Benjamin Gaboy Jr says:

    Good day maam/sir gusto ko po mag apply ng housing loan.member since year 2000 to present ako ng pag ibig at ofw po ako ask ko po kung may meron po kayung mga residential house and lot sa goodwill 2 subdivision sucat paranaque cit na puwede ko po apply ng pag ibig loan. Salamat po.

  18. Benjamin Gaboy Jr says:

    Good day maam/sir gusto ko po mag apply ng housing loan.member since year 2000 to present ako ng pag ibig at ofw po ako ask ko po kung may meron po kayung mga residential house and lot sa goodwill 2 subdivision sucat paranaque cit na puwede ko po apply ng pag ibig loan. Salamat po eto po yung email ad ko po gaboy1555@gmail.com

  19. Jesamine A. Lomotos says:

    Almost 4 years na po ako member ng Pag-ibig,public teacher po ako…Gusto ko po sana mg housing loan pra mka pg paggawa ng bahay costs 500 000,yung lupang nbili ko hndi pa ntransfer ang title sa akin..deed of sell lang po hawak ko..ano po dapat ko gawin para mka avail ng housing loan?from Masbate po ako.salamat.

  20. Lyn says:

    hello po,
    gusto po sana nang husband ko na mag loan kaso naka co-borrower siya sa loan nang kapatid niya noong single pa siya at na foreclose ang ni loan nang kapatid niya pwede po ba na maka loan ang husband ko?

  21. ShinyH. says:

    Hi, ano pong requirements kung homebased po ang work? Employed by foreign company.

  22. pache says:

    hi, i have MPL way back 2015 and nastop ako sa payment since iresigned. im still employed as of this day. mkaka avail ba ako ng housing loan?

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  24. Louie says:

    pano pag sa parents ko nakapangalan yung titulo ng bahay na ipapa ayos ko. pwede ba yon or kelangan ilipat na ang pangalan sa akin?

  25. Steve Carl says:

    Hello contact easyloanservice@usa.com to get all your financial hassles solved out in less than 24 hours interval

  26. Lorena Alqueres says:

    Hi!..tanong ko lang sana kung pwede po ako mka pag housing loan sa pag ibig singapore PR po ako at house wife.tapos singaporean husband ko.sya mag guarantor mag bayad nang monthly payment sa loan.pls advice thank u!

  27. Louis Dutch says:

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  28. kirk says:

    Good day!

    Tanong ko lang po if pwede po ba mag-add ng home improvement loan if i still have an Housing Loan(acquired asset)?

    Hoping for your fast response.

    Thank you

    1. Patrick says:

      Hey, nasagot ka sa tanong na to? I have the same question kasi. Acquired asset din. Magkano interest if ganon? Thanks!

  29. Gin says:

    Good day! Hiwalay kami ng asawa ko..kaso di pa kami separated. Since wala naman akong financial support sa asawa ko at ako lamg naman magbabayad ng kukunin kong foreclosed property, pwede ko ba ideclare ma searated kami para di ko na sya papirmahin? Ayaw.ko rin malaman nya na kukuha ako ng bahay. Thank you.

  30. Gin says:

    **legally separated

  31. Josh Angela says:

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  32. Barbara Buzon says:

    Hi there,
    i just wanted to ask am I eligible for housing loan? possible location San Mateo Sorrento Subdivision phase I am planning to buy house & lot

    1. kring says:

      If you want to know if your eligible for housing loan try to inquire in nearest pag ibig office near your place.

  33. Maryjane Arcilla says:

    Hello po, matagal na po namin gusto kumuha ng Bahay sa pagibig kaso po medyo naguguluhan po ako, pag nag housing loan po ba kailan po yung balak ko po bilhin na Bahay nalipat na yung mother title sa name ko po bago i file sa inyo ang loan ? O hbng finafile ko po ang loan ko?

  34. John Ray Aguilar says:

    Ongoing poh Yung papers ko for House and lot loan sa pag-ibig. Seaman poh ano SA ngyon kc nasa bakasyon ako at wala pang date kung kailan ulit ang Sampa. Tumawag sakin yung developer ko kailangan dw AKO mgprovide Ng latest COE. Nabigay ko n yung last COE ko sa previous contract ko. Ngyon wala ako maprovide kc wala p ako schedule ng next sakay ko. Kailangan dw with in 10 days maprovide ko Yung bago Kong COE. Kung Hindi ica2ncel ng pag-ibig yung loan ko. Ano pwede kong gawin?

  35. LEONILO LABARDA says:

    I have a lot purchased from SSS in 2017 payable for 10 years..can I avail for home construction in pagibig? if I’m qualified, how much is the loanable amount/percentage of the loan per annum and what is the requirements?

    1. Mey says:

      Hi ask ko lang.. Kumuha kasi ung friend ko ng bahay 5 years ago then iniwan din nya kase malayo at mag isa lang nya ask lang nya from 5 years balak sana nya mag loan sa pag ibig uli makakapag loan paba sya ng pera? Still nagwwerk naman sya.. Or blocklisted na sya dina pwede magloan?

  36. kilkua says:

    magandang araw sa lahat. sana may maka sagot sa tanong ko. isa po akong ofw dito sa saudi. ang gross monthly income ko po ay nasa 45k. ito po yung tanong may nagbbenta ng lypa samin worth 150k. plano ko po sana i. apply sa pagibig at mag loan ng 500k. para sa pagbili ng lupa at papatau narin ng maliit na bahay. pwdw po kaya yun?

  37. Jhojie Lampa says:

    Jojie Lampa
    My brother, JoJo Lampa, is trying to pay off this loan with the Pag-IBIG Fund-
    Collection-Accounting Billing & Ledger Office
    HLIDNO- 316013498016 MID No: xxxxxxxxxxxx
    BORROWER: TESTON, MAY TAMBA PROG_CD: EHCT99 PROGRAM: CTS
    PURPOSE: Full Payment CIRCULAR: 232
    ORIGINATOR: HOME DEVELOPMENT STATUS:
    MUTUAL FUND
    PROP. LOCATION: Lot 46 Blk 15B CITIHOMES RESORTVILLE BRGY LANKAAN,
    DASMARINAS CAVITE

    The last payment the owner made on this property was on 8/22/2018
    under PFR # ER20152017 in the amount of P28.88.

    So the owner, Tamba May Teston, was behind on her payments and is trying to sell this property. So my brother, JoJo Lampa who is renting a home just a few houses away, gave $3,000. USD for a down payment and has the final payment ready to pay,
    However, Tamba May Teston’s husband signed the sale document.
    I dont believe he has the legal right to sell his wife’s property because ONLY HER NAME is on the loan document with Pag-IBIG Fund.
    Now he says his wife is in Thailand and he needs the rest of the money to bring her back to Phillipines to sign !!!
    I believe he is trying to sell Pag-IBIG’s home illegally, and my brother has already paid $3,000. USD how can my brother put a lien on this property ?
    thanks, my contact is jhojie21@yahoo.com

  38. Abegail magay says:

    Mgkno po ang monthly

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