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Confession time: For the longest time I had no idea what the acronym Pag-IBIG meant.
All I know is that it’s a mandatory contribution that employees are required to participate in. But what is it for, exactly? If you ever wondered where your PAG-IBIG contributions are going, this article will get you the answers and more.
And if case you’re wondering, here’s what Pag-IBIG stands for: Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno.
The “IBIG” part is where the meat of the definition is: You (I), the Bank, the Industry, and the Government all play a part in this savings scheme.
To be clear, it’s one and the same with the Home Development Mutual Fund or HDMF, which is a corporation owned and controlled by the government.
Per their website, the HDMF was established to be “an answer to the need for a national savings program and an affordable shelter financing for the Filipino worker.”
Contents
Pag-IBIG Fund Benefits & Programs
So what’s in it for me as a member of PAG-IBIG? Benefit-wise, the program is divided into three categories:
- Housing Loan
- Short Term Loan
- Provident Savings
Membership is exclusive to all Filipinos who are or ought to be covered by the Social Security System (SSS).
Let’s take a closer look at each category.
Housing Loan
This is what PAG-IBIG is best known for. The idea is to provide affordable financing to Filipinos through its loan program by partnering with local Real Estate Developers.
As of January 2022, loan interest rates of the Pag-IBIG Fund Housing Loan starts at 5.750% for 1-year and 6.375% for 3-years minimum. A loan is payable up to a maximum of 30 years (at 10% interest rate).
This helps our fellow Filipinos buy their own house through a staggered payment approach stretched to their preferred time horizon.
Related: How to Invest in Real Estate in the Philippines
Short Term Loan
Pag-IBIG also provides its members the ability to make short-term cash loans. It’s classified into 2 types: Calamity Loan and Multi-purpose Loan.
- Calamity Loan – As its name suggests, this type of loan is for people who need financial aid after some unforeseen type of calamity or disaster (flood, fire, etc).
- Multi-purpose Loan – This type of loan is for people who want to borrow money for a variety of reasons, whether it’s for a personal purchase or raising a small capital to fund their business idea.
Provident Savings
Aside from housing and short-term loans, Pag-IBIG also acts as a Savings Program, or better known as Provident Savings.
The employee’s monthly savings (including employer share, as applicable) and total annual dividend earnings make up the member’s TAV or Total Accumulated Savings.
Members can claim their Provident Savings after membership maturity of 20 years with 240 monthly contributions, retirement, or in the event of disability, termination from work due to health reasons, death, or departure from the country.
Features include:
- Tax-free annual dividend earnings
- All Savings are guaranteed by the government
- Portability of Savings – Members may easily continue their savings/contribution even when transferring from government work to private sector (and vice versa)
Pag-IBIG Contribution Table [2022]
If you’ve ever wondered how your contributions to Pag-IBIG are calculated, this table will answer it for you.
Pag-IBIG contribution table for employees & employers:
| Monthly Salary | Employee Share | Employer Share | Total |
| P1,500 or less | 1% | 2% | 3% |
| Over P1,500 | 2% | 2% | 4% |
Pag-IBIG contribution for self-employed members:
| Monthly Salary | Contribution Rate |
| At least P1,000 to P1,500 | 1% |
| Over P1,500 | 2% |
Pag-IBIG contribution for OFW members (with employers subjected to mandatory HDMF coverage):
| Monthly Salary | OFW’s Share | Foreign Employer Share | Total |
| P1,500 or less | 1% | 2% | 3% |
| Over P1,500 | 2% | 2% | 4% |
Pag-IBIG contribution for OFW members (with employers NOT subjected to mandatory HDMF coverage):
| Monthly Salary | Contribution Rate |
| Over P1,500 | 2% |
Pag-IBIG contribution for non-working spouse members:
| 1/2 of Monthly Salary of Working Spouse | Contribution Rate |
| P1,500 or less | 1% |
| Over P1,500 | 2% |
Pag-IBIG contribution for household employers & kasambahay members:
| Monthly Salary | Employer’s Share | Kasambahay’s Share | Total |
| P1,500 or less | 3% | 0% | 3% |
| P1,500 to P4,999 | 4% | 0% | 4% |
| Over P5,000 | 2% | 2% | 4% |
And here’s another table on how much housing loan can a member acquire from Pag-IBIG based on their contributions:
| Monthly Contribution | Loan Amount |
| P200 | Up to P500,000 |
| P250 | P500,000 – P600,000 |
| P300 | P600,000 – P700,000 |
| P350 | P700,000 – P750,000 |
| P400 | P800,000 – P900,000 |
| P450 | P900,000 – P1,000,000 |
| P500 | P1,000,000 – P1,100,000 |
| P550 | P1,100,000 – P1,200,000 |
| P600 | P1,200,000 – P1,300,000 |
| P650 | P1,300,000 – P1,400,000 |
| P700 | P1,400,000 – P1,500,000 |
| P750 | P1,500,000 – P1,600,000 |
| P800 | P1,600,000 – P1,700,000 |
| P850 | P1,700,000 – P1,800,000 |
| P900 | P1,800,000 – P1,900,000 |
| P950 | P1,900,000 – P2,000,000 |
| P1,000 | P2,000,000 – 2,100,000 |
| P1,500 | P3,000,000 – P3,100,000 |
| P2,000 | P4,000,000 – P4,100,000 |
| P2,500 | P5,000,000 – P5,100,000 |
| P2,950 | P5,900,000 – P6,000,000 |
How much is the minimum contribution?
The minimum monthly amount a member can contribute is Php 200 while the maximum is set to Php 2,950.
How many years to become eligible for Pag-IBIG loans?
A member must have to make contributions for at least 24 months (or 2 years) to be able to be approved for a Pag-IBIG loan application.
How to compute contributions?
Any employee earning Php 5,000 or higher per month will have a 2% deduction for both employee and employer share.
The combined amount represents your total monthly contribution to Pag-IBIG. Note though that both employee and employer share top at Php 100 each.
How does Pag-IBIG earn money?
As its name implies, the Home Development Mutual Fund or PAG-Ibig, is like any common Mutual Fund that invests pooled contributions from its members and invests them in a variety of financial instruments for capital growth and earnings.
How to increase Pag-IBIG contributions?
For employed members, reach out to your HR officer to advise that you would like to pay more than the minimum Php100 monthly contribution.
You may be required to sign a form as proof of your request and confirmation of increased contribution. For self-employed and OFW members, simply increase your monthly contributions. No need to complete any paperwork.
Pag-IBIG Fund Requirements
Here are the requirements you need to submit to be a member of Pag-IBIG.
Self-Paying Employees
Refers to individuals who opt to pay their Pag-IBIG contributions on their own.
- Company ID
- Certificate of Employment and Compensation
- Latest Pay Slip
Self-Employed
Refers to professionals, freelancers, small business owners, and consultants.
- Latest Income Tax Return with a CPA-certified Financial Statement from the previous year
- Two (2) 1×1 ID photos
- Certificate of Remittance or ESAV (this for old members)
- Mayor’s Permit or Business Permit
- DTI or SEC Registration (under the person’s name)
Self-Employed Professionals
Refers to professionals with government-issued licenses practicing their expertise
- PRC or BAR License
- Latest ITR from the previous year
- Certificate of Remittance or ESAV (this is for old members)
- Two (2) 1×1 ID photos
Franchise Owners
Refers to people who own franchises of businesses.
- Latest ITR from the previous year
- Franchise Permit (under the person’s name)
- Car Registration or Official Receipt (under the person’s name)
- Certificate of Remittance or ESAV
- Two (2) 1×1 ID photos
Member-Spouse with Business
Refers to individuals who are unemployed but are married to someone who owns a business.
- DTI or SEC Registration
- Mayor’s Permit or Business Permit
- Affidavit of Unemployment
- Latest ITR (from the previous year)
- Certificate of Employment and Compensation of the member-spouse (must be notarized)
- Written consent from the member-spouse
- Two (2) 1×1 ID photos
Unemployed Spouse
Refers to individuals who are unemployed but are married to an active Pag-IBIG member through his/her employer.
- Affidavit of Unemployment
- Certificate of Employment and Compensation of the member-spouse
- Written consent from the member-spouse
Overseas Filipino Workers (OFWs)
Refers to Filipinos working abroad (reactivating members)
- Valid and latest Contract of Employment (has original POEA stamp)
- POEA License, passport, or any valid ID
- Certificate of Remittance or ESAV
- Two (2) 1×1 ID photos
- Special Power of Attorney – for authorizing a representative to submit the requirements and pay the contributions.
Unemployed
Refers to individuals currently without a job but would like to resume their contributions.
- Affidavit of Unemployment
Pag-IBIG Online Registration
Step 1: Visit Pag-IBIG Fund’s website
Go to www.pagibigfund.gov.ph. Scroll down and look for the “E-Services” tab. Click on it.
Step 2: Go to the Membership Registration page
Select “Membership Registration” on the next page.
Step 3: Enter your Personal Details
Key in your name and date of birth so the system can determine if you already have an existing account. A code will be provided and you will need to enter this to proceed to the next page.
Step 4: Complete the Application Form
The next task is to complete Pag-IBIG online application form. Take extra time to make sure you’re able to complete this thoroughly and accurately.
Step 5: Submit your details
After completing all required fields, click “Summary” and submit your online registration form. Upon submission, you will be redirected to a new page confirming success of your registration – and at the same time receive an SMS confirmation.
From this page, you’ll get an RTN (or your Registration Tracking Number), which can help you track the progress of your registration (it also serves as temporary Pag-IBIG ID number that you can use).
It usually takes 2 working days to have your registration processed and verified, in which you can then have your permanent Pag-IBIG MID number.
How to Get your Pag-IBIG MID Number
Send a text message using the following format:
IDSTAT<space>[Your RTN Number]<space>[Birthdate MM/DD/YYYY]
Example: IDSTAT 123456789101 08/19/1985
And send it to:
- 0917 888 4363 [Globe & TM]
- 0918 898 4363 [Smart & Talk N Text]
How to pay for Pag-IBIG contributions?
- Automated billing through VISA or MasterCard credit cards
- Cashless payment systems like Coins.PH and Globe GCash
- Bayad Center outlets
- SM Business Centers, Save More and SM Hypermart
- Over-the-counter at the nearest Pag-IBIG branch office.
- Banks (for Overseas remittance: PNB and AUB)
How to check Pag-IBIG Contribution Online
Step 1: Visit Pag-IBIG Fund’s website
Go to www.pagibigfundservices.com. Click the tab for “OFW Member’s verification”
Step 2: Enter the required details
You will be required to enter your MID number. To generate one, simply click the link that says, “Click here if you do not have a Pag-IBIG MID No”
Step 3: On the next page, click “View Membership Savings”
Should you get an error, try using another internet browser as it might be a compatibility issue with Pag-IBIG’s site.
Step 4: If successful, you will be redirected to another page showing your contribution report
Check out this helpful video showing the step-by-step actions on how to check your Pag-IBIG contributions online:
6 Tips to Maximize your Pag-IBIG Benefits
1. Treat your Pag-IBIG contributions as Assets
Most people will dismiss Pag-IBIG contributions as “just” a mandatory deduction from their monthly salary. But as we’ve discussed above, there’s more to it aside from just being a simple housing loan option.
Aside from the benefits of the Pag-IBIG 1 program (Short-term loan and Provident loan), there’s also Pag-IBIG 2 or (MP2) which is an additional and voluntary five-year savings option offered to Pag-IBIG I members.
It provides you with another avenue for investing which is essential to wealth building.
2. Make sure your Pag-IBIG contributions are up to date
It’s your responsibility to ensure that monthly deductions are being made and remitted accordingly.
To do this, you can visit the nearest Pag-IBIG branch or check it online (refer to section above: How to check PAG-Ibig Contribution Online)
3. Sign up for the Pag-IBIG Savings Program
Remember the MP2 (or Modified Pag-IBIG II) program we mention in #1? This option allows you to allocate a minimum amount of Php 500 per month in an investment that is rated to earn at a higher interest rate compared to savings and time deposit accounts on some banks.
| Monthly Contribution | Return in 5 YRs | Return in 10 YRs |
| P500 | P34,921.79 | P81,655.02 |
| P1,000 | P69,843.58 | P163,310.05 |
| P1,500 | P104,765.37 | P244,965.07 |
| P2,000 | P139,687.16 | P326,620.10 |
| P5,000 | P349,217.90 | P816,550.25 |
| *If dividend is set to 6% by Pag-IBIG |
You can even deposit in lump sum. And as we’ve mentioned here, while banks provide you with a safe place to store emergency funds, they’re not ideal if your goal is to build wealth.
Savings in the MP2 program can be claimed after it matures in 5 years.
Members can also opt to renew it should they wish to. And here’s the kicker: Your Total accumulated value (TAV) will not be charged with 20% withholding tax unlike the savings and time deposit accounts in banks. Nice!
4. Higher Contributions = Higher dividends from savings and higher success rate for qualifying for bigger loans
When you opt to contribute more than the minimum amount, it increases your chances of getting approved for bigger loan amounts.
And since Pag-IBIG also acts as a savings program, the more amount you put in translates to higher potential dividends and earnings in the future.
5. Grab a Pag-IBIG Loyalty Card
Yes, you heard that right. And believe it or not, its benefits are surprisingly useful. Through its partnerships, it features the following discounts:
- 5% to 50% discount on medicine
- 10% to 20% tuition fee discount
- 10 pesos off your LPG purchase
If you’re interested, simply download and complete this form. Submit it to the nearest Pag-IBIG branch, then pay the 100-peso fee.
6. Contribute in lump sum to quickly become eligible for their loan program
Here’s another tip most members are not aware of. You can actually pay for the full 24-month contribution upfront, enabling you to become a member and be eligible for loans, without the need to wait for 2 years! Cool, huh?
Related: How to Get Personal & Business Cash Loans Online in the Philippines
Step-by-step guide to getting a Pag-IBIG Housing Loan
Want to apply for a Pag-IBIG housing loan? Below are the steps that you have to follow. But first, determine how you want to apply for a Pag-IBIG housing loan.
You can either enlist the help of a developer in applying for a housing loan or apply on your own.
1. Determine the purpose of your loan
The Pag-IBIG housing loan may be used in many ways. Apart from financing building of a house, a Pag-IBIG housing loan can help you with a number of house-related expenses like buying a residential house and lot or condominium, or even doing major home repairs and renovations.
Choose the option that will best suit your purpose.
2. Choose the Pag IBIG housing loan program that matches your current income level.
You may choose between two payment programs: affordable housing loan program and the regular housing loan program.
The former is ideal for low-income earners particularly those earning not more than Php 17,500. Under this scheme, you can borrow a maximum of Php 750,00 and pay a reasonable minimum monthly fee. You’ll get a lower interest rate too.
If your gross monthly income is above-average, you may opt to avail the regular housing loan program wherein you can borrow a maximum of Php 6 million and get an interest rate of as low as 5.375%.
Keep in mind that though that the loanable amount will depend on Pag-IBIG’s assessment of your application.
So while there is a Pag-IBIG Fund Housing Loan Affordability Calculator available online, it can only give you a rough estimate of what you can get and not the exact amount.
3. Confirm your eligibility
See to it that you are actually eligible for the loan. There are certain requirements you have to meet such as:
- Having made regular contributions as a Pag-IBIG fund member for 24 months at the time of the application
- Having made regular contributions as a Pag-IBIG fund member for a minimum of 12 months and should be able to complete the rest of the contributions needed via lump sum payment
- Not being older than 65 years of age at the time the loan is applied for and not being older than 70, at the time of loan maturity
- Having legal capacity to acquire property and no pending Pag-IBIG calamity or multi-purpose loan.
- Passing the background check that will be conducted by the agency (Pag-IBIG).
- Having no Pag-IBIG housing loan under your property that was returned to default, foreclosed, surrendered, or canceled.
- Having an up-to-date existing Pag-IBIG housing loan, if one intends to apply for an additional loan.
4. Make sure to meet all the requirements.
Apart from seeing to it that you’re eligible, you have to submit the fees and documents needed for the application process, and upon the loan’s release.
Pag-IBIG Housing Loan Requirements
- Fees: Php1,000 (for processing) and Php2,000 (for appraisal); Php1,000 for re-filing or reevaluation (if applicable).
- Completed housing loan application form with updated photo of both the principal and co-borrower (if applicable)
- Proof of income
- Photocopy (front and back) of one valid ID of the following parties involved (as it applies):
- principal borrower and spouse
- co-borrower and spouse
- seller and spouse
- owner of the title (for accommodation mortgage)
- developer’s authorized representative/Attorney-in-Fact
- Updated certified true copy of the transfer certificate of title (TCT); TCT of the land and Certified True Copy of the Condominium Certificate of Title (CCT) for loans for condominium purchases.
- Photocopies of current tax declaration of house and lot and real estate tax receipt.
- Property sketch or map
Additional Pag-IBIG Housing Loan Requirements for Employees
- Income Tax Return during the year before the loan application, plus BIR Form No. 2316 stamped by the BIR.
- Notarized Certificate of Employment and Compensation that reveals your allowances, gross monthly income, and other monetary benefits.
- One month payslip from the last three months before the date of applying for your loan. The payslip must be certified by your employer, and if you work for the government, it must be handed in together with your ITR or CEC.
Additional Pag-IBIG Housing Loan Requirements for Employees
- Income Tax Return, audited financial statements, and official receipt of tax payment issued by the bank. All these must be submitted in conjunction with your business permit or mayor’s permit, and your DTI Registration.
- Commission vouchers from the past 12 months bearing the issuer’s name and contact details.
- For earnings coming from foreign remittances and pensions, a copy of passbook or bank statements containing transactions for the last 12 months.
- For earnings coming from rental payments, a copy of the lease contract and tax declaration.
- Certified True Copy of Transport Franchise from an authorized government agency
- Certificate of Engagement from the business owner.
- Other pertinent documents as proof of where you income comes from
Additional Requirements for Overseas Filipino Workers (OFW):
- Employment Contract (may be between you and the employer or you and the POEA).
- Certificate of Employment and Compensation (CEC)
- Income Tax Return registered with the OFW’s host government
For the complete list of requirements, visit this page.
5. Submit your requirements to Pag-IBIG
You can set an appointment online or walk in the branch nearest you. Those who have an appointment can take advantage of a priority lane wherein they can process their documents faster.
How to Apply for Pag-IBIG Housing Loan Online
1. Click the E-Services button and choose Housing Loan Application.
2. You will be redirected to a page briefly describing how the process will work. Read and click “Continue”.
3. Choose “Apply for Housing Loan” from the options on your screen.
4. Complete all the information required.
5. Select which Pag-IBIG branch office to submit your documents and other requirements to.
6. Hit the “Submit” button.
Wait for the Housing Loan Application Tracking Number and the appointment schedule that you will receive via text and via email respectively.
How to apply for Pag-IBIG Housing Loan Over-the-Counter
If you wish to apply for Pag-IBIG Housing Loan in person, visit your preferred Pag-IBIG branch then follow the steps outlined below:
- Present two copies of the application form and the other requirements to either the Loans Origination-Housing Business center, Members Services Support Division-Servicing Department, or the Members Services Branch counter.
- Prepare the processing and appraisal fees and make the payment athe Cash Collection Division Loans Support Services Department or the Members Services.
- Wait for your receipt to be issued.
- Present your receipt to the Members Services Support Division-Servicing Department. Alternatively, you may submit it to the Loans Origination-Housing Business Center/Members Services Branch counter, whichever applies.
- Wait for your Housing Loan Application Acknowledgment Receipt (HLAAR).
- Be on standby for your Pag-IBIG housing loan approval. If you get approved, you will receive a call letting you know your pick-up schedule for your notice of approval (NOA) and letter of guaranty (LOG). If you get denied, Pag-IBIG fund will send back the documents you’ve submitted along with a notice of disapproval.
After your Pag-IBIG Housing Loan gets approved
Now that you know that your loan is approved, Here’s a rundown of what you should expect on that day. Here’s a rundown of what you should do:
- Once your Pag-IBIG housing loan is granted, go to the designated office for pick up of your Notice of Approval and Letter of Guaranty (if applicable).
- Receive and sign your loan documents at whichever counter applies. Either at the Members Services Branch counter or Members Support Division-Servicing Department or Loans Origination-Housing Business Center.
- Submit your notarized NOA requirements within 90 days and wait for the check to be released.
- Pay your monthly amortization in the months to come.
What to do if you have missed payments in your Pag-IBIG housing loan?
Missed payments or arrears in your PAG- IBIG housing loan can set you up for trouble in the future. For instance, not being up to date with your payments can deter your chances of getting another loan approved from Pag-IBIG fund. And if your arrears accumulate, it can even result to cancellation and foreclosure of your property.
So what should you do if you have arrears? Jacqueline G. De Pedro, licensed real estate broker, and director for sales and operations of PropertyMart.ph has these suggestions:
- Request for your statement of account and take note of everything you need to pay and when.
- Should you want to retain ownership of your property, apply for loan restructuring which will give you a new arrangement that once you follow, will enable you to retain your property.
- a.) If clearing your debt is more a priority than keeping your property then you may opt to surrender your property to Pag-IBIG. Note though that De Pedro advises that you get your property’s value assessed first to see if its worth is enough to pay off your debt. b.) Another option is to make money selling off your property to a new owner.
Step-by-step guide to getting a Pag-IBIG Short-term Loan
As for the short term loan you can follow the steps outlined below:
- Download and fill out the Pag-IBIG Multi-Purpose Loan Application Form (MPLAF). Make sure you don’t leave out anything.
- Present two valid IDs and proof of income.
- If you’re employed, you will also be required to have your employer complete the certificate of monthly net income provided at the back of your MPLAF. Likewise, you can provide a photocopy of your payslip for a month. Make sure to get it authenticated. You’ll also need an authorized representative from your company to sign your MPLAF. And provide your SSS or GSIS Number, Pag-IBIG Employer ID Number, and agency code and branch code of the Pag-IBIG branch you prefer.
- Likewise, if you’re self-employed, you will need to submit commision vouchers, business mayor’s permit and other documents pertinent to proving your income.
- Submit your accomplished application form and other requirements. Processing time should take 1-2 weeks.
Step-by-step guide to enrolling in Modified Pag-IBIG II (MP2)
If you want to apply for the Modified Pag-IBIG II, more popularly known as MP2, here are the steps that you have to take:
- Register online via the MP2 Enrollment System.
- Take note of your MP2 account number, print your registration form, and submit to the designated Pag-IBIG branch.
- OFWs will undergo the same process except that they can assign a relative to pay for them. They may also pay overseas via any recognized Pag-IBIG remittance partners abroad.
- Wait for five years to withdraw your savings and every two years to get the dividends.
How to update your Pag-IBIG registration information
As of writing, updating your Pag-IBIG registration information online is not available. However, you may still update your records by going to any Pag-IBIG branch near you. Here’s how:
- Download the Member’s Change of Information form or MCIF under the website’s Downloadable Forms – Provident Related section.
- Complete the fields necessary.
- Bring supporting documents and two valid IDs as they apply. For instance, for name change due to marriage, bring your PSA marriage certificate.
- Submit your accomplished MCIF to the branch near you. Office hours are from 8:00 AM to 5:00 PM, Monday to Friday.
All about Pag-IBIG acquired assets
Pag-IBIG fund has always served as a channel for people to make their dreams of acquiring a home of their own easier through the various products they offer.
Everyone knows about the loans and savings programs they offer, but very few talk about how they enable prospective homeowners to buy properties at a cheaper price through auctioning Pag-IBIG acquired assets.
As its name implies, a Pag-IBIG acquired asset is a property that has been repossessed because of failure of payment from the owners.
It is typically auctioned to the public at a way more affordable price in an effort to get back the defaulted home loan.
Now you might be wondering, will Pag-IBIG acquired assets make good investments? Relatively, they’re cheaper than market value and will give you more value for your money as its worth increase in the long run.
Properties acquired by Pag-IBIG are usually built back in the days when prime locations are widely available.
This allows prospective owners of Pag-IBIG acquired properties to enjoy the perks and convenience of living near the city center such as having easy access to hospitals, supermarkets, offices, and schools.
Before bidding for a foreclosed property, make sure that it is still in livable condition and that you wouldn’t end up spending more in home improvement and renovation. Also watch out for any possible issues with the property’s previous owner.
This can bring undue distress to you and your wallet should the situation gets out of hand and you’ll need to bring things to court.
Tips for Buying a Pag-IBIG acquired property
1. Know everything you can about the property.
Find out the reason for foreclosure and gather information from the neighbors. If you can, meet up with former owners as well. This should give you a bigger picture of what to expect from the property and the area’s living conditions.
If you’re buying for investment purposes, check if its location is ideal for getting the most out of your real estate investment and if the property developer is reliable.
2. Be mindful of the expense.
Apart from the remaining balance that you’ll have to pay, you must also check for possible hidden costs.
Typically, your expenses will include notary and registration fees, down payment, and local transfer tax.
Should the property you are considering need some fixing, you need to factor the cost in to your overall expense as well.
3. Do an ocular.
Make it a point to visit the property you are looking into so that you’ll see how it really looks like.
Inspect not just the house or condominium unit but the area surrounding it as well to ensure how well the property has been maintained.
Figure out how easy or difficult it would be for you to get to and fro your home as well.
4. Have an expert look at it.
If you want further assurance that you are making the right decision, bring along a real estate expert to visit the property with you.
He or she should be able to give you sound advice due to his or her knowledge and years of experience.
Final Thoughts
Preparing for the future is an important task that everyone should do. The Pag-IBIG Fund provides a great way for Filipinos to have an affordable housing and short-term loans along with an excellent savings program.
Take advantage of it. Use this newfound knowledge of Pag-IBIG’s benefits for a more stable future for you and your family.
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can i follow up my loan?
Madami na po AKO napasukan na company.kaso po Hindi po nilagay Ng employer KO Yung buo Kong middle initial.pano po Kaya AKO makakapagloan?dapat daw po buo ang middle initial KO.slamat po SA inyo.
Hi paano po ako makakakuha ng pag ibig number ko thru online yung dati ko pa pong number hindi po kase inilagay nung dati ko employer sa print nila hindi po nailagay pag ibig number ko tnx
try to inquire at the nearest pag-ibig office in your area. they should be able to provide you your number as long as you give sufficient evidence confirming your identity or the one you’re planning to get.
Hi. Nag register po ako online then natext na sakin yung Pagibig number ko. Ask ko lang po if yun na yung final? Hindi na po ba ako pupunta sa Pagibig office para ipa-verify?
Thanks!
BAT D KO PO MA SUBMIT REGISTER? NAKA ILANG TRY NA PO KO. PA HELP PO KO SALAMAT PO
Hi
Just want to check if an sss pensioner still eligible to be a pag ibig member?
Awaiting for your reply. Thanks.
Mercie
Hi Mercivini,
Yes, I think it’s still possible, especially if the pensioner has other income sources.
Paano sumali sa foreclosed bidding?
Is there any ways that i can print my registration form with my pag-ibig number on it ? di ko na ma access kasi yung view registration information it seems deleted na sa kanilang website
PAGIBIG on-line website sucks, and you cannot get through when you want to check your contribution status. It keeps on showing that the site is being upgraded but as far as I can remember it was being upgraded for couple of years already, while the link to their accomplishments, how to pay contributions and other money generating programs on their favor are always updated. The website caters for less important issues and information while you still have to send them email to request for your most valued contributions and wait for forever to receive any response.
Help naman po please. And palink nalang po sana kung anuman ang pupuntahan. Para maayos yung Pag Ibig Number ko thanks.
Paano ba mag kakanumber yung pag ibig ko? November pa kasi ako kumuha ng pag ibig hindi ko pa nakukuha unh number ng pag ibig
ko. Hindi ko tuloy mahulugan sa office. Paano ba maaayos yung number ng Pag Ibig ko gamit po sana yung online? Para hindi na ako pupunta sa anomang branch ng Pag Ibig.
Nagregister po aq via online kaso po dq nkuha ung rtn #..pnu po ang gagawin q?
need pa rin po bang pumunta personally sa office ng pag-ibig kahit tapos na mag online registration at nkapag send na ng message?
meron napo akong pag-ibig number pano po iveryfy? Thanks po.
Need po ng asawa ko ang pag ibig number nya sa work na papasukan nya po panu po makukuha at malalaman ang pag ibig number nya OFW po sya pero nakauwi na po sya now sa pilipinas na po sya magwowork sana po matulungan nyo po kami para maka pag start na po siya yan na lang po ang kulang niya salamat po.
Bakit hindi po kayo nagrereply? Nakailang send na ko ng RTN number para makuha ko yung MID number ko.
Gud morning mdam/sir
Can you help me pls to know or verify my pag-ibig # pls.?thank u
Hi
Gusto ko pong mag apply nang housing loan . Government employee po ako paano bang mag apply at ano ang mga requirements para isubmit?
What happens if I was not able to continue paying my multipurpose loan..???. I availed of PHP62,012.00 multipurpose loan on March 2013.. I only paid 3 months and was not able to continue paying afterwards because I resigned from my previous job… I got a new job in 2014 and up to present continue to pay my monthly contribution with Pag-Ibig….
is there an expiry date for claims of death benefits of my brother, pag ibig member, single, no child, died in 2014?
May i know how can i get my membrship data record? Thankyou 😊
I need a tin number of pag ibig
hi ilang beses na ako nag text sa IDSTAT para malaman ang mid number ko, pero di parin nagre-reply. May other way pa ba para malaman ang MID number ?
Gusto ko pong update ng contact number ko para makareceive ng latest billing galing sainyo..ang bago ko pong number 09355146001 Thank you po
Pano ko makukuha number ko sa pag i ig
Hi po tanong ko lang kung ang sahod po ay P12,000 at 2% po ang nakaallocate sa contribution bale tig P240 po ang employer at employee. Paano po kung ang hinuhulog lang po ay tig 100 sa employee at employer, tanong ko po dapat po ba ay obligado si employer at employee na 2% ang icontribution o allowed ang employer na gawin na 100 lang ang ikaltas pra sa contribution. Gusto ko po malaman kung pede po ang ganun na hindi 2% ang inihuhulog ni employer pra sa contribution sa Pagibig
pano ko po eedit yung wrong encode ko sa online registration ko?
Bakit po ganito ang na received kong message: Sorry we are unable to locate the record based on the details you have provided. Thank you for using the HDMF SMS Services. Nang magtext ako para kumuha ng MID no. Ano po ba ang gagawin ko?
hello po..what if po mga 13yrs po ung hulog q s pagibig…ngstop n po kasi aqng mgwork..gusto q po snang mglump sum…mkkalump sum po kaya ako?…sana po ay may mksagot..
Gud eve po..mg reregister po sana ako ng pagibig pero po my exting po ung pangalan ko..hnd po ako mkapagregister.kung sakali po san ko po makukuha ung mid number ko po..
Gusto ko po sana malaman ang Rtn ko. Nakalimutan ko na po. Pano po ba ito malalaman?
Gusto ko pong update ng contact number ko para makareceive ng latest billing galing sainyo..ang bago ko pong number 09662450114 Thank you po
Pwede ko po ba ma palitan yung monthly income ko?
pwede ko ba iwithdraw contributions ko nagstart ako august 2011 sa employer ko at nag end dec 2014 tapos nun hindi na ako nakakapaghulog since 2015 bale 5 years na pwede ba iwithdraw wala na akong balak maghulog hindi ko na kailangan ayaw ko naman umabot pa ng 20 years o senior o anuman yang qualification para iwithdraw.
gusto ko lng po sanang malaman kong updated po ba account ko.salamat po
Hi. paano po ba ako makakakuha ng statement para sa housing loan.. Need ko malaman kung magkano na ang outstanding balance ko.. thanks.
Good Afternoon po.
I did not receive any text message for my RTN #.
You said that after I submit the application, then I’ll receive a text message right away.
Thank you po.
Paano po yun hindi ko po na print ang mdf kase na click ko yong back button.. Paano kopo mahahanap yun e ayaw gumana ng View Registration. Ayaw ng url na naka link. Pano na po yun?
Paano ko po makukuha Yung code number ko
Paano po mg load s pag ibig
Ask ko kung pwede ako mag loan
How to recover my old account..but hindi ko alam yon number…ng pagibig number..
Pnu q po mkuha ung pagibig number q? Nkalimutan q po kc. Tnx po.
Pano ko po malaman ung mga hulog q
Sir, you have penned the most comprehensive, information packed article on the subject of Pag Ibig as an investment and the benefits offered that I have ever read! I have read a lot on this before, asked questions of my Brother In Law who works at Pag ibig and still, I learned a lot that I did not know. Thank you very much for the time and effort, it is appreciated. You have greatly helped this EX-pat in making the decision of where to invest for my beautiful bride and our family.
Sir Pano ko makukuha ung pag ibig number at malalaman kung nahuhulogan Ng employer ko ang pag ibig ko
Pano po ma update ng address sa pagibig kase po nag kamali po ng address yung sa brgy lang po nag kamali.
paano ko malaman kung nahulog na yung loan ko
Need ko pp makuha ngayun Ang pag ibig # ko
Hello
Sinubukan ko po magregister through online sinasabi “the information you entered already exist”.
Proceed to the nearest PAG IBIG MEMBER SERVICES OFFICE(MSO)Member Services Branch for Registration/further verification/completion of MDF/Issuance of PAG IBIG MID NUMBER.
Ganyan po ano po pwd gawin gusto ko po kc mag apply for MP2 sana may mag advice kung kelangan ko b pumunta ng pag ibig branch regarding this. Thank you