Apply for a Pag-IBIG Housing Loan Now! Here’s How

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The highlight of an individual’s adult life is when he begins acquiring assets out of the money he earned from his employment or business. Our foremost dream is to be able to purchase our own home where our family can reside safely and peacefully.

With Pag-IBIG’s housing loan, buying a house has become easier and more affordable for the Filipino. So if you are planning on buying a house, a condominium or townhouse unit, and thinking of getting it through a Pag-IBIG Housing loan, here are the requirements and processes you need to undergo. It may look like a long list but believe me, it is a lot easier than most of us think.

This was lifted from the Pag-IBIG website: www.pagibigfund.gov.ph

  1. Get your checklist of requirements, Housing Loan (HL) application form and other related forms at:
    • For NCR Accounts: Servicing Department, 2nd floor JELP Business Solutions Building, 409 Shaw Boulevard, Mandaluyong City
    • For Provincial Accounts: Any provincial Pag-IBIG branch office.
    • You may also access the form at www.pagibigfund.gov.ph, click on “Forms”
    • Accomplish the following forms prior to filing:
      • Health Statement form (Medical Questionnaire)
        • For OFW members over 60 years old
        • For Loans over P2M to P6M and for borrowers aged up to 60 years old.
      • Health Statement Form (Medical Questionnaire) and Full Medical Examination
        • Borrowers over 60 years old
  2. Submit your Housing Loan Application to the Pag-IBIG Fund with complete requirements. Pay partial processing fee of P1,000 (non refundable).
    • For NCR Properties, file at any of the following:
      • JELP Business Solutions Building: 409 Shaw Blvd., Mandaluyong City
      • Kamias Branch: 795 Anchor Center EDSA, Quezon City
      • Imus Branch: Olma Bldg., Emilio Aguinaldo Highway, Imus, Cavite
      • Provincial Properties: To be filed at the Pag-IBIG office nearest the subject property
      • Processing period: 20 working days (inclusive of Credit Investigation and Property Valuation)
      • You may also file your HL application online via www.pagibigfund.gov.ph, click “E-Services”.
  3. Receive your Notice of Approval (NOA)/Letter of Guaranty (LOG) and sign your loan documents.
    • NOA will be released ONLY to the borrower or to the Attorney-In-Fact for OFW borrowers, provided with SPA.
  4. Accomplish your NOA requirements for check release
    • You are given 90 calendar days to do the following:
      • For purchase of House and Lot/Purchase of Condominium Unit/Purchase of Lot
        • Give LOG to the seller
        • Proceed to the BIR for payment of Capital Gains Tax and Documentary Stamp Tax. The BIR will issue Certificate Authorizing Registration.
        • Proceed to the Local Government Unit (LGU) for payment of Transfer Tax
        • Proceed to the Registry of Deeds (RD) for the transfer of the title and annotation of mortgage
        • Proceed to the LGU for the transfer of Tax Declaration
        • Submit complete requirements to Pag-IBIG Fund.
      • For purchase of House and Lot mortgaged with Pag-IBIG Fund
        • Proceed to the BIR for payment of Capital Gains Tax and Documentary Stamp Tax. The BIR will issue Certificate Authorizing Registration
        • Proceed to the Local Government Unit (LGU) for payment of Transfer Tax
        • Go to the Pag-IBIG office to schedule trip to the Registry of Deeds (RD) for transfer of title and annotation of mortgage
        • Proceed to the LGU for transfer of Tax Declaration
        • Submit complete requirements to Pag-IBIG Fund
      • For construction of House/Home Improvement
        • Proceed to the BIR for payment of Documentary Stamp Tax
        • Proceed to the Registry of Deeds (RD) for annotation of mortgage.
        • Submit complete requirements to Pag-IBIG Fund.
      • For refinancing
        • Proceed to the bank/financing institution to give the Letter of Guaranty (LOG) and Loan and Mortgage Agreement (LMA).
        • Proceed to the Registry of Deeds (RD) for annotation of mortgage.
        • Submit complete requirements to Pag-IBIG Fund.
  5. Receive loan proceeds at the Pag-IBIG Fund
    • Payee to bring two (2) valid IDs. (Payee is either the borrower, the seller, or a third party to which the loan proceeds is assigned to be released). Borrower to bring 12 PDCs (if payment is not thru Salary Deduction).
    • Loan proceeds will be released to the person/institution assigned by the borrower/buyer.
  6. Start paying your monthly amortization.
    • One month from the DV/Check Date
    • For house construction/home improvement, one month from DV Check Date of the final loan release.
      • For house construction or home improvement, the loan release shall be staggered on progress of construction.

The list of requirements can be accessed here. The list includes the PSA Birth Certificate of the borrower and co-borrowers included in the computation of the aggregate income. If you are married, you would also need to submit your PSA Marriage Certificate.

Published by MasterCitizen

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31 thoughts on “Apply for a Pag-IBIG Housing Loan Now! Here’s How

  1. Hi, ma’am pwede ba akong mag loan sa pag ibig. house improvement loan kasi di pa tapos yung bahay ng tatay ko pang biki ng materials.

  2. Good evening po,nakuha kna ung contributions ko sa pag ibig,pero alam ko me dividend pala dw po un?

  3. Good day Sir/Maam pwede po ba magavail ng house construction loan worth 450k ang isang Senor Citizen living alone 60 yrs old with 14k pension monthly with Collateral subd lot of 295 sq meters worth abt 1M .

  4. Hi mam,

    Nag.apply po aq s pag-ibig HL foreclosed. I have already confirmation of sale how many days po b processing days nun kx nakalagay dun sa akin follow up ko daw after 2 months and my bago silang program n cutting process in 17 working days lang.

  5. good pm po… puede po bang magloan ng building materials lang ,kase po magpapagawa ako ng bahay 2 yrs n po ako member ng pag ibig…kung puede, paano po

      1. Gud pm poh pwd poh kya kmi mgloan pra mgpgawa ng bahay.. 2yrs mahigit na kmi sa pag ibig ..d lng poh sure kng nahuhulugan ng company. Paano poh mlalaman na kng pwd kmi magloan..tnx

  6. Hi ma ‘am as k lng po gusto kng magloan kc ngpapagawa kmi ng bahay how much po pwede kng mailoan

  7. Can i still avail of the house and lot loan even i’m 56 years old now and still working as seaman?

  8. Mam ask.ko lng po i have afriend whos housing loan was approved but unluckily payment was stopped because of health reason from 400k he almost payed 100k the pagibig sent herletter for paymnts of his backlog can she reinstate this or will pag ibig allow him to pay it partially tnx

  9. Pwede pa rin po ba akong mag apply ng housing loan kahit na ka kastop ko.lang sa work 2 months ago at ngayon nagbukas ako ng sariling business?

  10. How about sa mga members na kumuha ng bahay noon pero hindi natuloy for some reasons. D naba mabigyan ng chance makakuha ulit ng housing loan?

  11. Ang hirap po kumuha ng housing loan sa mga developer ..pwd po kaya direct sa pag Ibig..basic salary kc lam nman nlang mbaba un minimum..kakaiyak LNG.

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