PAGIBIG Requirements for Housing Loan Application Procedures





PAG-IBIG Requirements for Housing Loan Application - This is the procedure on how to apply for the housing loan application through PAG-IBIG Home Mutual Development Fund Procedure, guidelines and processing.

The question is how to apply housing loan in Pagibig Fund (Home Development Mutual Fund)? What are the procedures and requirements? If you file the application now, how long would you wait? How much should you pay and how much are the current interest rates for this loan? So this is it.

Pag-ibig Housing Loan Eligibility

You must meet the following requirements before you apply for housing loan in HDMF.

Must be a Pagibig active member and have contributed of at least 24 months of contributions. What if you already had the 24 months of contributions but you’re no longer an active member? Just resume being active and you can apply. What if you’re a new member? Pay lump sum payment to complete the required 24 months and submit the PFR (Pagibig Fund Receipt) upon filing of loan application.
You must attend a seminar about the application of housing loan. They will discuss all the processing steps and they will tackle all requirements and points regarding your housing loan application.
Submit 3 sets of the following requirements in folders:

Here's the procedure on PAG-BIG Requirements for Housing Loan Application.


1. Housing Loan Application Form (PLEASE CLICK THIS LINK HERE TO DOWNLOAD) – paste your recent 1X1 photo.

2. Membership Status Verification Slip (PLEASE CLICK THIS LINK HERE TO DOWNLOAD) – attach photocopy of your 2 valid IDs

3. Proof of Income Documents:

For Locally Employed, any of the following:
  • a. Notarized Certificate of Employment and Compensation (Employer’s Format) and for government employees 1 month payslip, within 3 months prior to the date of loan application
  • b. Latest ITR for the year immediately preceding the date of loan application – attach W2 form, stamped received by the BIR/Certificate of Tax Withheld (BIR Form 2316)

For Self-employed / Other Sources of Income, any of the following:
  • a. ITR, Audited Financial Statements and Official Receipt of Tax Payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit
  • b. Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months)
  • c. Bank Statements or passbook for the last 12 months (in case income is sourced or derived from foreign remittances, pensions, etc.)
  • d. Copy of Lease of Contract and Tax Declaration (if income is derived from rental payments)
  • e. Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for other Public Utility Vehicle (PUVs)
  • f. Certificate of engagement issued by owner of business
  • g. Other document that would validate source of income or funds

For OFWs, any of the following:
  • a. Employment Contract (with English translation if in foreign language)
  • b. Original Employer’s Certificate of Income (with English translation if in foreign language). If document submitted is photocopy, it shall be duly certified/initiated by Pagibig Fund Information Officer assigned in the country where the member works.
  • c. Other Proofs of Income, whether original or photocopy, shall be duly certified/initiated by Pagibig Fund information officer assigned in the country where the member works.

4. Photocopy (back-to-back) of 1 primary valid ID of Principal Borrower and Spouse, Co-borrower and Spouse, Seller and Spouse and Developer’s authorized representative and Attorney-in-Fact, if applicable.

5. Authorization to Conduct Credit/Background Investigation (download it here)

6. For OFWs, Special Power of Attorney notarized prior to date of departure or duly certified and authenticated by the Philippines Embassy or Consulate in the country where the member is staying, if abroad. If SPA is without the Red Ribbon of Consulate Office, the SPA must have duly stamped notarial seal.

7. Health Insurance Coverage

a. Health Statement Form (Medical Questionnaire)
  • OFW members over 60 years old
  • Loans over 2 Million pesos to 6 Million pesos and for borrowers aged up to 60 years old

b. Health Statement Form (Medical Questionnaire) and Full Medical Examination
  • Borrowers over 60 years old

8. Marriage Contract (for all married borrowers, co-borrower/s, spouse, family member/s included on the computation of aggregate income)

9. Birth Certificate of or any proof of relationship, if with co-borrower/s or family member/s included on the computation of aggregate income.

10 Certified True Copy of Transfer Certificate of Title (TCT) – from Registry of Deeds

12. Photocopy of Updated Tax Declaration and Updated Real Estate Tax Receipt – from Municipal’s Assessor’s Office

13. Location Plan and Vicinity Map

14. Approved letter request to re-avail of a Pagibig housing loan – for members with housing loan that was foreclosed, cancelled, bought back due to default or subjected to dacion en pago).

Additional Requirements for the Type of Loan:

For Construction of House and Home Improvement:
  • Building Plans, Specification and Bill of Materials duly signed by the Licensed Civil Engineer or Architect, Building Permit

For Refinancing:
  • Statement of Account on Outstanding Loan Balance, indicating loan purpose
  • Any of the ff:
  • Official Receipt for the past 12 months
    Subsidiary Ledger
    Any valid proof of payment for the past 12 months

For Purchase of Lot or Adjoining Lots and Purchase of Residential Unit, Townhouse or Condominium Unit inclusive of a parking slot
  • Contract to Sell or similar agreement between the buyer and seller. If the seller is a Developer, submit the following:
a. Certificate of registration, License to Sell, Development Permit, and Secretary’s Certificate
b. Photocopy (back-to-back) valid primary ID from Corporate Secretary

For Purchase of Lot and Construction of House:

  • Building Plans, Specification and Bill of Materials duly signed by the Licensed Civil Engineer or Architect, Building Permit
  • Contract to Sell or similar agreement between the buyer and seller. If the seller is a Developer, submit the following:

a. Certificate of registration, License to Sell, Development Permit, and Secretary’s Certificate
b. Photocopy (back-to-back) valid primary ID from Corporate Secretary


Pagibig Housing Loan Interest Rates


Loan amount up to 6 Million

3 years – 7.985%
5 years – 8.895%
10 years – 9.750%
15 years – 10.375%
20 years – 11%
25 years – 11.5%
30 years – 12%


Steps in Pagibig Housing Loan Application


After you have attended the seminar, you’ll be given the checklist of requirements. You must prepare all the documents in 3 set of copies and compile them in folders. Fill out all details correctly and honestly and make sure they’re all complete. Check your Pagibig MID Number. If you don’t have one yet, get it online. You’ll be given Notice of Approval if your loan was approved. Congratulations then! They will contact you in case there are additional documents required. Cheques are given in 4-gives wherein the first 3 cheques would be the 30% amount of your loan and the last one will be the remaining 10%.

This is all the procedures of the PAGIBIG Requirements for Housing Loan Application. Have a great day and good luck to your loan application!

This is some of the questions that will lead to this page like:

I am an eligible pagibig member (self-employed). I bought a house thru a developer. Applied for a bank financing to fully pay the developer, the bank approved my loan with a bank guaranty. As of now, I am having a house renovation with 70% completion. From my assessment, I will still be needing 1.5 M to 2 M to fully finish the house renovation.

My question is: Can I still avail of housing renovation loan if the TCT of my property is still under the bank?

These are some of the related question for the PAG-BIG Requirements for Housing Loan Application.

Good day! Active member po ako ng pagibig…Ask ko lang po kung pwede pa rin po ba akong maka avail ng pag ibig housing loan (House Improvement) kahit may existing salary loan ako sa pagibig? Thanks in advance!

Ano po process sa pag bili ng house and lot kung ang seller po ay hindi developer? any requirements po?

may blog ka ba about how to buy a house and lot, yun may mga prechecks na dapat gawin tapos yun magiging process?

Hello ask ko lang po if paano ko malalaman kung baba na ang Monthly amort ko sa pag-ibig?

Posible po bang ma dis approved application ko sa pag ibig housing loan kc merun me un settled bills sa mga credit card? bayad na me in full dp sa developer?

Hi, as far as I know your credit standing with other institutions will not affect your Pag ibig loan application. Though they will ask you to sign a waiver for them to check your credit back ground. I have the same worry mayroon din akong loan sa 2 banks with PDCs 4 yrs ago at hindi ko na tlga nabayaran. Ni-clarified ko ito with Pag-ibig here in Pasay & they advised me it will not be a ground to disapprove my housing loan as long as I have no delinquent records sa Pag-ibig.

I hope this will ease your worry. So far, waiting nalang ako sa Pag -ibig releasing ng TCT ko, annotated na sya.

My husband has a housing loan that was foreclosed. Can he file for a letter of request for the re-availment of a Pag-Ibig housing loan?

Hi!Good day po! asked ko lang kasi 2nd owner ang parents ko ng house, then di pa na transfer yun tittle sa name nila since di pa bayad lahat sa pag ibig. then almost 2 yrs. narin di nakabayad ang parents ko sa pag ibig due to some financial problem. posible ba na saluhin ko yun pag babayad ng house through housing loan? di ko kasi kaya i cash yun balance nila for the past yrs.

Hi. Would you know the schedule for housing loan seminar or if they facilitate seminar during the weekends?

Possible po ba maka pag loan kahit wala x wife ko? i mean we’ve been separated 10+ years ( but not legally) at di na kami nag kikita.
ano po need ko gagawin if ang scenario is they need her to sign something/ as nasabi kunaman po matagal na kami di nagsasama.

makaka avail. pa ba ako ?

good day po,,ask ko po ano po b ang proseso kung itransfer namin yung housing loan namin sa pagibig from bank,gaano po b yun katagal?

Gusto ko sanang bilhin ang bakanteng lupa malapit sa amin. Malinis naman ang title at bayad naman ang property tax. Ang tanong ko lang po, pwede ko po bang iloan ito sa pag ibig? Hindi po kasi ako pamilyar sa ganitong proseso. Ang naexperience lang po ng mga magulang ko eh yung ang seller ay isang Developer gaya ng Lancaster o Camella. Possible ba ang ganitong set up?

Hi po, ask ko lng po kun ganon katagal ang processing sa Pag-ibig? Like yun approval if complete naman lahat ng requirements mo?
**”Cheques are given in 4-gives wherein the first 3 cheques would be the 30% amount of your loan and the last one will be the remaining 10%.”***
about releasing nun cheque once approved, gano po katagal yun interval ng pagrelease ng apat na cheque?

good day po ask ko lang kasi my binebenta kmi bahay at lupa gusto ng buyer ipasok sa pag ibig pwede po b un…sk kylangan ba ibigay ung title ng bahay sa pag ibig

Can i ask if pwede ba kong mag avail ng housing loan… if sa parents ko nakapangalan ung title?? if not any suggestion? renovation/improvement lang nman..

Good Day po. May balak po kc kmi bilhin n house and lot amounting 800k, kso wala po kami pangcash n amount, it possible po kaya pwede maloan nmin ung ganong amount. please answer po. OFW po ung husband ko.Your answer it helps us alot.
Thank you.

pwede nyo po ba ako tulungan para mapabilis loan ko binebenta ko po sa pinsan ko ung house and lot ko, ofw po silang mag asawa sa dubai kinokompleto na lng po namin ang mga requirements, gusto ko po sanang pabilisin ang pag process, 6M po balak nila iloan or kung magkano ang ma aapprove

I got a question and i needed answer before i go to the pag -ibig office 🙂 The house i assumed to my sister year 2001 is already been paid off since 2009 and i already paid property tax in advance for 2 years now my question is ..what do i need to do to get the property title? is there any requirements or ppaperwork to be done?i guess the title is still under my sister name but i have her deed of sale that i assumed it to her and i continue the payment since 2001 till i paid it off .i was abroad that time and i have my other sister to take care all the payments i also have a written statement (SPA) that i let my other sister to negotiate all my transactions here .i have a statement that the Pag ibig loan is fully paid now i needed to get the title .hope you can give me an advice of what i needed to do.

I just want to ask ano po ba ang ibig sabihin ng equity collateral? Mgloloan po ksi sana ako sa Pag- ibig and the personnel mentioned the equity collateral. What does it mean po? Hindi ko po kasi masyadong naintindihan…

Ung buyer po ng bahay nmin ay Maglo loan Lang sa pag ibig, halos tapos na po ang lahat may letter of approval na rin po kmi from pag ibig Kaso po ang sabi ng buyer need dw po ung original copy ng titulo pra Mai transfer sa pangalan Nila eh Kaso po wala po po kming natatanggap na pera from pag ibig, sabi po Nila kailangan dw po na Mai transfer muna sa pangalan ng buyer ung titulo ng bahay dahil un dw po ang requirements ng pag ibig then pagka tpos daw po nun Magee release na rw ng check ang pag ibig. Totoo po ba un? Ok Lang po ba na pumayag kmi na Mai transfer ung titulo sa buyer kahit wala pa ung pera from pag ibig? Sana po masagot nyo ang tanong ko.

I just want to ask regarding pag-ibig housing loan. Kasi Single ako and di ko ma meet ung requirements. Kasi ang rule ng pag-ibig , to loan 1.4m my contribution should be 700h per month. And also for 1.4m loan payable for 30 years, my monthly net income should be 32 000. However d aabot 32 000 ung swldo ko. Pero ung nanay ko nasa denmark, she’s paying her monthly contributions also. pwed ebang i combined ung contributions namin para maka loan kami?

Just wana ask kasi na-approve yung pag-ibig housing loan ko but lesser dun sa agreed amount with the seller so the seller said that I have to settle the remaining amount or kung di ko kaya, lalagyan nila ng interest na 5% yung balance hanggang sa mabayaran ko ng buo. After computing it, sa tingin ko di ko kaya kc I will be paying 20k+ for my pagibig amortization for 30years then the balance would be 15k per month hanggang mabayaran ko yung balance na 300k pa. Then also yung sa mga taxes sabi hati rin kami para ma-transfer sa kin yung name ko, and pati yun with interest din of 6% kaya 7800pesos per month. Im sure mahihirapan talaga ako so Im deciding to cancel na may housing loan na di pa naman nare-release. Ask ko lang king i-cancel ko ba yon, ma-blacklist na ko sa pag-ibig? Di ba ba ko makaka-avail ulit ng housing loan pag plano ko na ulit mag-apply?

Active member po ako ng pagibig…Ask ko lang po kung pwede pa rin po ba akong maka avail ng pag ibig housing loan kahit may existing salary loan ako sa pagibig?

Gusto ko sanang itanong kung ano itong CONVERSION sa pagibig housing loan ko. mag 7 years na po ako dito sa abroad. nag avail po ako sa housing loan bago ako umalis ng bansa. matagal na rin po akong nagbabayad sa pagibig kaya lang hindi ko masyadong na follow up ang babayaran ko kasi nagpapadala lang ako sa kapatid ko na syang nagbabayad sa bahay. lately, sabi niya may dumating na sulat galing sa pagibig. hindi naman niya ma-explain sa akin. sinabi lang nya na conversion at may tax payment. gusto ko lang po i-clarify kasi when i research about it, medyo hindi ko naiintindihan ang mga provisions.

Tanong ko lang po kasi nag apply kami sa pag ibig housing loan namin kaya lang sabi sa amin ng developer na 2 to 3 months lang daw ang approval, pero hanggang ngayon wala paring approval 6 months na mula ng mai file namin, member naman ako ng pag ibig since 4 years ago, pano ba ito maam? ganyan ba talaga katagal ang approval sa pag ibig even you’re a member? kasi medyo curious lang ako sa tagal ng approval.

Kindly assess my case… pagibig member ako since 2001-2011 November sa previous company ko, nag resign ako November 2011 after 3 years ako mag resign hinde na ako nakapag hulog sa Pagibig, then nag work na ulit ako ngayun nag start na ulit makapag hulog ngayun January 2015, 3 months pa lang ulit. Possible ba ma-approve ako sa Pagibig housing loan? or ano pede ko gawin para ma-approve ako? next question po meron pa po ako unpaid loan sa Pagibig magkakaroon po ba ng problem if ever na mag-loan ako? ano pede ko gawin para dito?

Seafarer po ako…sa home improvement po sana ako,,,ask ko lang po sana kung ano yung,,,

. Original Employer’s Certificate of Income (with English translation if in foreign language). If document submitted is photocopy, it shall be duly certified/initiated by Pagibig Fund Information Officer assigned in the country where the member works.

kasi under agency kming mga seaman eh..kailngan pa kaya namin yan?

Pede poh ba gamitin ang pagibig loan sa financing ng house construction kahit walang title ung lot kasi ipinamahagi lng poh ng gobyerno un d o narerelease ung title.

pwede po ba ko makapagloan sa pagibig (house construction/improvement) na nakapangalan sa lola ko na deceased na po? bale 2 po silang anak ng lola ko.. papa ko at tito ko at payag silang ako magpaayos ng bahay.. need pa po kayang matransfer muna ang title saken para makapagloan po ako?

Mam itanong ko lang,OFW ako, nag housing loan ako sa pag-ibig in 5 years to pay, ang monthly ko 21k+, nagka bayad na ako for almost 1 year, ngayon humina ang work namin, di ko na kaya ang 21k per month,pwede ko ko ba e change ang plan ko sa 25 years lang? para makaya ko ang 8k+ lang siguro ang 25 years.

ask lang po ako kung mag housing loan po for lot and construction of house, do i have the choice kung saan ko gusto kumuha ng lote at magpatayo ng bahay?

ask ko lang po anu ang maitutulong ng pag ibig if ang bahay at lupa mo eh nakasangla sa tao, pwede ba itong irefinance ng pag ibig, para sa pag-ibig na lang magbabayad, in a long term period.dating member naka 24 months na , but year 2000 naging in active na.

let say gusto ko pagawa ng haws worth 2.6M….. i think kaya ko sya icash pero ayoko mazero after magawa ang haws kc hndi ko sure if may project/work pa ako soon,, as per suggestion mo, na magloan lng ng kakayanin (tnx for that; really cleared my mind and aggressiveness 🙂 ) balak ko mgloan lng ng 1.5M and shoulder the rest….. 1.5M in 20 yrs kc para kaya ko ung monthly,,, but in God’s will nagdiretso work ko or mtpos man ung work ko makahanap agad ako ng kasunod, let say after 1yr gus2 ko na sya icash or iclose,,magkano sa tingin mo tutubuin all in all ng pagibig sa kin? right decision kaya sa tingin mo moves ko or need may suggestion ka to modify it?

Inquire k lng gsto k sna mgaaply ng home construction loan…pra sa bhay ko.. pra maayos k sya.. anu anu b requirements? Kung ppgawa ako ng worth 1million mppkaloan b k ng ganun kalaki sa oagibig?

Gusto namin mg-avail ng housing loan thru pag-ibig for house construction, pwde po b naming gamitin as collateral ung tct n nkapngalan pa s mother in law ko? Ung wife ko ang mag-aaply for loan.

May itatanung lang po sana ako sa iyo. I’m a former Pilipino citizen, and got my citizenship 8 years ago. Tanung ko po. I heared about this Pag ibig loan plenty of times. As a former Pilipino citizen, pwede po ba ako mag open ng account for Pagibig Loan. You said at least two years na kailangan hulugan iyung pundo, and then you can apply for the Pagibig loan.

Paano naman kung yun house acquired ko sa pag-ibig ay gusto ko naman ibenta sa iba at yun bibili ay gusto thru pag-ibig loan. Anung mga step ang dapat kong initiate as a seller ng house? Fully paid na yun house from pag-ibig. Need pa ba magbayad ng buyer ng equity sa akin?

may housing loan po ako s cavite and takeout na nung jan. 2015., di po natuloy yung paglipat ng work namin s cavite,,, sa caloocan po ako nakatira,,,ipacancel ko po sana,,ano po ang dapat gawin?

Itanong ko lang po, Nagbayad po ako sa pag ibig for 6 months (May-Nov 2014) tapos nag resign ako, hanggang ngayon ay hindi na ako nakapghulog uli, pero may trabaho naman ako. Maging elegible kaya ako sa housing loan kung bayaran ko ng lump sum yung contributions para makumpleto yung para sa 24 months?

need k talaga ng info about this…member ako pagibig kaso d kaya s salary k yung houseloan kaya sabi kailangan ng coborrower…yung mrs k kaso bago p lang yung business permit nya hinahanapan ng itr …hndi b kami makkapgloan ng walang itr?f meron kkha kami bago lang un ma aaprove b kami?ako lang me itr sya wala pa?

ask ko Lang po ofw po aq dito sa Canada,ung Bahay natinitirahan po namin sa Phil for almost 3yrs na gusto pong I benta samin,ng may ari,naka loan po sya sa pag IBIG,pede ko po rin syang ipasok sa pag IBIG parang I cocontinue po namin?

question ko lng poh, ung house kc ng parents ng asawa ko binebenta na nila, this is a privately owned property residential nmn xa.., naka pangalan sa mother in law ko,, pwede ba namin un i purchase tru pag ibig housing loan either ipangalan saken or sa husband ko?

ask ko lng ung husband ko ang member ng pag ibig gusto sana namin mgloan ng house construction.pwede bang ako na ang mgstart mg apply ng loan habang wala p cya since 2 to 3 months lng ang vacation nya.need ko p b ng spa?

sk ko lng po may housing loan po ako sine 2009 bale ung s montly contribution statement ko po konte lng ung pumapasok s housing loan at principal, parang ung iba amout eh napupunta s contribution so at the end (maturity) po b may makukuha akong pera ( lump sum) base s pera n napupunta s pag ibig contribution KO?

tanong ko na din po gaano po katagal kung complete na ang requirements sa housing loan?

pwede po b ako mg avail ng housing loan sa pag ibig 10 yrs po ibig member ng pag ibig na stop po aq ngaun ng 1 yr at my balance popo aq ng salary loan q,anu po dpat qng gwi?

I just want to ask kc yung asawa k ng loan s pagibig last year p then n approve n ng pag ibig yung housing loan nya then nw nsa ibang bansa n sya then sbi ng developer ng bahay n kinuha nmin kylangan dw po ilipat yung loan ng asawa k from local to ofw ano po bng mag requirements s gnon at magkano po b mgagastos dun s pag file and kylangan b tlagang ilipat kung n approve nman n ng pagibig yung loan nya b4 sya umalis ng bansa?

gusto ko po kasi na matapos na ang bahay na ipapatayo ko kaya kailangan ko makaloan ng malaking halaga.

lets say po, na ang net income ko lang po ay 35k (provided na kami ng accommodation, transportation at food ng company), magkano po kaya ang maximum na ma borrow ko?

salamat msh fehl.. hindi po kasi makabisita sa pag-ibig office kasi nasa abroad po ako at malayo pa sa city proper.

ask ko lang po if i can apply for a loan na, kabibili palang po kasi namin ng bahay and fully paid na sa developer pero under loan pa sa bank ang equity. Pwede na po ba ko magloan sa pag ibig para sa home improvement though nde ko pa tapos bayaran sa banko ung equity?

Is it possible to cancel approved housing loan? Or just use it to another real estate property kc sobrang dismayado kami dun sa knuha nameng house and lot, sa rules and turnover sobrang tagal?

i am currently working here in manila and i just want to know if the house that u want to be renovated is located in the province, u do need to process all the requirements in the province as well or u can do that here in manila?

Mejo confusing saken yung monthly contribution na kapag 200 monthly is eligible for 500k lng?Regular employee po ako i believe 200 ang hulog ng company namin sa pagibig and 9 yrs n akong member ng pagibig. Plan ko po magloan ng lot n 1.2M at house construction n 1.5M. Since yung mga requirements e mejo mahal pwede po b magpa assess kung mgkano tlga ang maloloan ko? Wala kasi akong malaking pera kung totoong 20% ang equity.

ask ko lng po kung pwde ba akong mgbayad ng contribution ko simula 6 months ago? at kung halimbawa nkabayad na aq ng contribution ko last month and for this month, pwde ko bang dagdagan contribution ko sa mga buwan na yon?

usto ko po sana kumuha or mag apply ng rent to own na bahay,,sa carissa tanza,cavite.pano po ba?san po ba ako dapat lumapit o kanino po pwdeng magpatulong?
nag start po ko maging pagibig member nung 2012 lng po..@ hnd po tuloy tuloy ang hulog kc contractual lng po ko sa companing napapasukan ko.applicable po ba ko para maka pag avail ng rent to own house?

ofw here.
balak ko sana mag-apply ng housing loan dis coming december pag uwi ko ng pinas…ano po b kelangan ko kuhanin d2 sa embassy ng malaysia para sa housing loan ko?paki-advise nmn po..
gusto ko sana kumuha na agad ng requirements d2 sa embassy para pag-uwi ko ffile ko na lng

ask ko lang po if pwede po ako maka avail pa din ng house renovation loan, kahit few months na po nakakaraan ng matapos yung renovation?

Kumpleto naman po yung mga documents. May Building Permin, Building Plan, at Cost of Materials. Pirmado din ng engineers. Yun nga lang nung nag renovate ng bahay wala pa sakin yung tct. Kaya hindi ko ma loan nung time na nirerenovate yung bahay.

Ask ko lng po kng pnu at pde ba ipa-cancel ang kka appoved lng na housing loan ko? To avoid salary deduction..coz’ im resigning nxt month frm my wrk and also that is the first sked of my deduction?

I’m planning to have a housing loan from a developer . 4 na po yung naging employer ko at mag tatatlog taon na din akung binabawasan ng pag ibig contribution ko kaso lang dun sa 1st employer ko hindi ko po sure kung nahulugan nila aq ng kumpleto, 1 year din aq dun. Hindi pa po aq naka pag pa consolidate, ask ko lang po if ok lang ba magpa consolidate kahit saang Pag-ibig office. And w/ regards po sa plan ko na kukuha ng house sa developer may limit po ba ako kung tig magkano lang na house ang makukuha ko depending on my contribution or ok lang po kahit ano? Hoping for a response, balak ko po kasi magloan kasi nanghihinayang aq sa monthly house rental ko. Ano po dapat ang first step ko?

gusto ko magloan for house construction and may title na ang lot at meron naring pader.. aaprobahan ba bila ung declaration amount ng archetic na ayon sa house plan po?in my case 1m po ung budget sa bahay na ipapatayo ko. And is it through na kailangan 30% na ang natapos ng construction bago nila eaproved?

But my nais lng po akong malaman, ako ay isang OFW here in singapore Nakita kna po ung requirements list for ofw..tanong ko lng once ba macomplete mona all the of them pwede mo ipadala sa family member mo in pinas na magprocess ng papers for your behalf? Kc balak ko po umuwi on May 2015 at hopefully that time maaprove na Ang plan kong house construction loan para andoon ako sa simula ng pag gawa.

im planning to file for house improvement.. for submission of requirements.. kailangan din po ba isubmit ang orig copy of title ng house namen… if ever kelangan isubmit.. kelan po namen mkukuha ulet?

Both of my parents are the land title owner but my father died 3 years ago. I would like to file for a house improvement loan. Is it possible?

Ask ko lang po, need na po ba talaga na initially may umpisa ng construction ng house pag nagloan ng home improvement? kasi ang balak ko po kasi once na ma-approve ung loan ko ay ipapatibag ko po tong house at total renovation ang gawin. possible po ba na i-approve ng pagibig kung ganun ang condition?

Meron po kaming existing housing loan sa PNB,mag-1year na po sa November naming hinuhulugan.Makaka-avail po ba kami ng Pag-ibig loan take out at house completion amounting to 3M? Less than 1M po ung existing loan. Mga anak ko po ang applicants,nsa Singapore po sila kya ako,mother nila ang Atty.in fact.

Bakit po kaya ang hirap mag release ng pag ibig ng loan. Yung bahay ko nag fifinish na kaso wala pang roof. Pero may trusses na. Wala na akong pambili ng yero. Sabi ng pag ibig 400 lang daw maiibigay nila. Bkit ayaw pa nila magbigay ng malaki para matapos na yung house ko.

We are planning to buy my auntie’s property but shes now living in US & one of my mom’s friend told us that my auntie should be here once theres a need to sign kasi the title of the loan should be on the buyers name na daw 4 the approval of the loan with PAG IBIG. If my Auntie will send an SPA, shouldnt it be enough?

Dito po ako sa Australia nakatira, gusto ko sanang mag apply sa Pag-Ibig housing Loan, kaso di po ako member, pano po ba mag apply? pwde ba online? yung house kasi sana na kukunin ko ay para sa mga magulang ko. willing po akong magbayad ng 24 months contributions.

may bagong subdivision na itinayo dito sa amin.. madami ang kumuha,, nag bayad kaming downpayment at nag start n din ng equity.. yung resibo n binibigay ay galing sa t-marketing (broker) di ba dapat nag iisue din and developer ng resibo..pero nakita nmin walang BIR # yung receipt ng developer..under development p yung bahay..tinatayo pa lang..how can we sure na ma aavail nmin yung house and lot.. pwede ko b bawiin ang nabigay ko n pera..paano?

ask ko lng po sana kung ilang months po bago maaprove ung housing loan kc po nag apply po ang mother ko at ako po ang nasa spa nya 3 months nlang po byad na ung equity ng bhay na knuha nmin pero hanggang ngaun wala pa pong aproval ang pag ibig ilang months na din pong nkafile ung mga requirements nmin, sna po matulungan nyo po kmi sa agl heights urdaneta city pangasinan po ung suvdivision?

Plano ko po sana magloan ng house improvement, currently po binabayaran pa po ng asawa ko sa pagibig ang house and lot tapos po ako po yung co borrower. pwede pa po ba ako makaavail ng loan? what is the first step na gagawinif possible po na pwede ako magloan?

Ask ko lang po.
1. 13.5 years na po ako nag huhulog sa Pag-ibig thru my employer
2. First Time ko po mag housing loan
3. Yung may-ari ng inuupahan naming bahay ay inalok kami na bilhin na namin ung bahay at lupa for 900K
4. Mababa daw kasi mag appraise ang pag-ibig.
5. Magkano po kaya nag maaavail kong loan.
6. 150sqm ung lupa at okay pa naman po nag nakatayong bahay although needs a little improvement.
7. Ano po kayang category ang pwede kong iloan, (ex. Purchase of Residential Unit House and Lot)?
8. Yung nasa Form po ng Housing Loan Application na Collateral
9. Kailangan po ba ang collateral ay yung title ng lupat bahay o iba pa po maliban doon?
10. Salary Deduction po ang mode of payment na gusto ko, kailangan ko pa rin po ba ng PDC?

tanung ko ay..panu po kung gusto ko pa house improvement ung house ng Mr. ko na binabayaran pa till now sa pag-ibig pwede po ba ako makaavail ng load member po ako almost 2years na..at magkanu po ang pwedeng maloan ang monthly contribution ko 500-550pesos?

magandang araw po mam,ask ko lang po sana yung tungkol po sa kung magkano po ang mailoan ng isang regular employes kagay po ng misis ko,nagtatrabaho po sya sa UST as intructor,at this yr lang po sya naregular,,mga makano po kaya ang maloan nya kahit estimatede lanbg po?

im currently working here in riyadh,3yrs.na po ang nabayaran ko sa pag ibig which is the minimum rate.planu ko po sana mag housing loan for house extension at renovation bahay po yun ng parents ko.tanung ko lng po
1.magkanu po ang ma aavail ko na loan?
2.pwd po vah mag apply ng online?
if possible, kung my sched na seminar
pwd vah na isa sa parents ko ang mag attend?
3.kailangan ba tlga na may planu at cost ng renivation or extension?
4.ilang weeks or months ang processing?
kc by december ako magbabaksyon for 45 days only pwd vah na ang parents ko nlng ang maglakad lahat?
5.at possible vah na cla nlng mag received ng housing loan instead of me?
6.kung aabot ng 500k ang loan na maaproved,in one cheque lng vah nla ibbgay un?
7.kailangan bang simulan ang extension/renovation ng bahay before ma approved ang loan?
8.if given na approved na at na release na ang loan, kelan ako mag sisimulang magbayad?

ako po ay security guard at almost 9yrs narin member ng Pag,ibig kaso po palipat-lipat ako ng Agency at ung iba ay hindi naghuhulog ng contribution, pero nkapag,loan na po ako ng STL before then Calamity loan 2yrs a go pa ang problima po hindi ko na nabayaran yung Calamity loan ko hanggang ngaun dhil napalipat ulit ako ng ibang agency, napabayaan ko na po ung loan ko dhil hnd nrin po naasikaso ng agency ko ngaun, nais ko po sanang mag,avail ng Housing loan meron po akong nkita sa Website ng Pagibigfund acquired assets na medyo mura na… pwdi nyo po ba ako mabigyan ng adviced kung ano po dapat kong gawin para po mka,avail ng housing loan, nangangamba po ksi ako bka madisapproved lng ang loan ko

ano requirements sa house renovation loan. Under renovation po yong house ko ngayon .Since hindi ako nakatira sa pinas pde ko ba i apply online lang ?Pde ba gamitin ang husband income as other supporting other income kahit di sya memeber para lumaki yong loan ?

Currently i owned house and lot. Then,we need a huge money due to unexpected situation. Would like to avail housing loan in pagibig using my TCT as my collateral. Because housing loan offers long term payment installment.

Would it that possibly fall in construction housing loan maybe? or I dont know. Thus housing construction needs actual reciepts of purchases used in contructions or the abovementioned requirements will be suffice?

Do you know if pwede akong mag file ng loan kahit na under ung bahay at lupa ko sa bayaw ko?

I really don’t have any idea on what will be the process. first time ko kasi magloloan sana.
almost 4yrs nako nagwowork, then may binebenta kasi ung friend ko na hauz worth 1m.
mga ilang months po ung processed nun before ma approve? my chance po ba na madecline?

isang OFW ang husband ko at gusto nming mkpg avail ng housing loan pra s mga OFW.Anu po ba ang mga requirements? Qualified po b cya mg housing loan? Naghuhulog n po aku ng 200 pesos kada buwan n monthly contributions nya simula nung May 2012 to December 2013.Nangunguphan lng po kmi at matagal na po nmin gusto mgkabahay ng sarili habang nsa abroad p mister ku.

a-approved na po house construction loan ko sa pag-ibig at nagstart na yung construction namin, but we’ve changed our mind we decided na magbago sa roofing kasi ang nasa plan namin is cement roofing but maraming nagsasabi ng hindi raw maganda ang ganun so gusto po sana namin na palagyan na lang ng long span roofing, pwede po kaya yung ganun na hindi namin sundin yung orig plan?

Ask q lng sana kumuha aq ng property somewhere in Imus Cavite and the developer is Homemark Inc. nag full payment nq s equity and as per them on process n dw un pag-ibig ko, pano q cia mavverity? Pde bq tumiretso s pag-ibig pra dun itanong un status nun application q o s developer lang talga? actually broker lang kc un kausap q di p un mismong developer? Hoping you can answer my query.

tanong ko lang may bahay po kasi dito na ibenta worth 3.5m., ofw yong asawa ko 5k a month yong contribution mag 3 yrs na po siyang nagbabayad balak niyang umuwi para mag loan po sa Pag.ibig. pwede po ba siya mag loan ng 3.5m para bilhin yong bahay. Sana po masagot nyo po ang tanong ko di ko kasi alam first time din namin mag loan.

Pano ko ba ma vverify na eligible yung developer at agent? Im just aware ksi about dun sa globe asiatech na bogus pla yung developer which is yung unit na kinuha ng mga buyer ay may iba na palang may ari.

Pag Approve na yong Housing loan sa Pag-ibig meron bang 3 months advance?kasi through salary deduction kami yon ang sbi ng developer sa amin…wala bang recibo pag salary deduction,?paano nmin malaman yong na bayad namin ala bng online sa Pag-ibig?

What is NOA? And how long will i wait? February is the date i filed and pay for the processing fee.the pagibig told us to wait for 3mos and its in the signatory now.im jst wondering from the month i filed it that will end this may 12,2014,pls i want to know if how would it realeased?

I received my NOA March 26, 2014, how long is waiting time for the release of loan proceeds. I applied my housing loan through a developer and submitted all the necessary required documents to the developer. According to the developer, it’ll take 4 weeks for the loan takeout and 1 week for document a annotation. Are the timelines correct?

tanong ko lang po kasi 1 month na yesterday ung lot purchase + house construction loan namin. once palang po nagemail sakin ang pag ibig kasi may kailangan na isang document if im not mistaken 2 weeks ago pa un. until now wala parin update from them. sabi naman nung sa pagibig na nakausap ko kung wala ng ibang requirments na kailangan, next na daw yung notice of approval. nattakot lang kasi ako na hindi mapprove ung loan ko. utang lang kasi akonpara makapag start ng construction kasi sabi nila dpat may atleast 20% accomplishment eh.

ask q lng po kung makaka avail kaya kmeng mag asawa ng housing loan thru pag ibig?13yrs na po aq member ng pag ibig at ang asawa ko po ay 9years po…peru gusto po sana namen dito lang kme bibili sa malapit po sa workplace namen?

application for House Renovation Or HL …anong mga requirments pwede malaman… sa lupa ko Nakalagay Mismo… may titulo residencail lot po sya… OFW po ako at Pagibig member 27 months pay na… bigyan mo ako ng idea makilala ko ang DEVELOPER o Agents sa Region-6 esp.in Iloilo or Aklan… pls gusto ko malaman ang requirments..meron ba Online Fill up?

Ask ko lang po, nag apply ako ng Home Improvement sa Pag Ibig and got approve. What if hindi nasunod exactly yung nasa building plan ko. I had a change of mind kasi, at nagbago yung plan ko sa 2nd floor like the number of rooms pati sa baba. Hindi ba marerelease yung 2nd release? kelangan ba tlaga sumakto sa pinasa ko na original building plan? Medyo costly kasi magpagawa ng building plan. will they require another building plan? Ang worry ko kasi baka di irelease yung susunod?

May tanong po ako regarding sa house construction/improvement. Hinihingi ba agad ng pag-ibig yung bldg plan kasama nung ibang reqmnts? Kasi di naman kaagad kami makakakapagpasa ng bldg plan na hindi tinitibag yung bahay namin for the soil test (para malaman kung ilang storey yung kaya nung lupa namin).

I want to buy a private property of a neighbor. Is that allowed? Lahat ng nabasa ko sa internet only talks about buying through a developer or an agent. What if ang bibilhin ko lang is a house and lot na hindi under ng developer or agency? Pwede ko ba yun i- loan sa Pag – ibig? Paano yun?

Ask ko lang po..before po ako pumunta ng taiwan nakakuha po ako ng bahay biglaan lang po ang pagpunta ko ng taiwan kaya marami po ako naiwan ng papers n kailangan ko ng signature..ngayon nag pagawa po ako ng SPA para yung kapatid ko ang bahala sa lahat ng kailangan kung pirmahan..tapos po gusto ng ate ko na ipasok s pag ibig hausing loan kya lang po before ako mag abroad nakapag loan ako sa dati kung company hindi ko po alam kung nbabayaran yun ngayong nasa abroad ako..ano po ang gagawin ko para maipasok ko sa pag ibig hausing loan ang bahay n kinuha ko? At gano po katagal ang pagpaprocess nito? Sana po matulungan nyo ako para hindi masayang ang pera n pinaghirapan ko dito.?

Just want to ask if can take loan in pag ibig,
Next year I’m going back Philippines to have a vacation,
Sorry for asking for help because this is my first time to loan,=ask ko lang gusto ko sana mg apply mismo sa pag ibig,anu ung first step n gagawin ko about housing loan??,san ako pwdeng lumapit about Jan?..actually olmost 9years n po ako nghuhulog ng pag ibig contribution..ask ko din po sana Khit po ba n taumay utang sa pagibig dahil sa loan,d po b maapektuhan ung pagaaply ko ng housing loan?

Tanong ko LNG po.. Pno po b kumuha house loan s pag-ibig.. Member n po ako dun.. Pero ,2 yung MIDNo. Ko s pa-ibig pwede ko b ..e transper ang hulog ko s isa ko.. I’d s pag – ibig at pwede ko b.. IPagpatuloy ang pghuhulog khit NSA Dubai n ako.. First time ko LNG po kc?

I just want to ask what if my waiting po ako ng pag ibig housing loan, then the developer said the the loan application was allready approve ano po un d p sya na take out ng pagibig? The problem is ng resign na po ako maaprove pa po kaya sya ng pagibig?


These questions above may fall under this content PAG-BIG Requirements for Housing Loan Application.

If any missing information, just write your comment below.


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