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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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About this post: pag-ibig housing loan, pag ibig housing, pagibig housing loan, pag ibig house and lot loan requirements, pag ibig house loan

25 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 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:


    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

  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 to get all your financial hassles solved out in less than 24 hours interval

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