New Pag-ibig Contribution Table 2023

Here is the latest Pag-ibig Contribution Table or HDMF Contribution Table in 2023. The Home Development Mutual Fund helps Pag-ibig members generate savings, earn dividends, avail housing loans and other loans offered by Pag-ibig.

While the SSS increased their monthly contributions requirements effective January 2023, the Home Development Mutual Fund (Pag-ibig Fund) also planned to increase their new contribution requirements.

In consideration with the economic crisis caused by the covid19 pandemic, HDMF scheduled the plan to increase contributions by 2023. The contributions will now follow the new rates unless the HDMF postponed the hike again.

All employees, employers, OFWs, non-working spouses, and kasambahay members must know their updated Pag-ibig monthly contribution to ensure income growth.

Pag-ibig Contribution Table 2023 for Employed Members and Employers

pag-ibig contribution table 2023

It is mandatory for employees to pay Pag-ibig Fund contributions every payroll or whenever they receive their monthly salaries. This is automatic and done by the employer on every payroll.

It is also essential for employers to remit and submit reports to Pag-ibig regarding their employees’ contributions.

Pag-ibig Contribution Table for Self-employed Members

hdmf contributions table 2023

HDMF monthly contributions of professionals, entrepreneurs, freelancers, and other individuals considered as self-employed members must apply the contribution rates shown on the table above.

Pag-ibig Contributions Payment for OFW Members in 2023 is Now Mandatory

HDMF monthly contribution for OFW Members is now subject to mandatory coverage. The POEA would not issue the OEC (Overseas Employment Certificate) if the OFW member did not pay their HDMF contributions for the year.

All OFWs registered through the POEA e-Registration facility can fill out their Pag-ibig MID Number online on their OFW Information Sheet.

1. HDMF Monthly Contributions for OFW Members whose employers are subject to mandatory coverage

pag-ibig contributions for ofw members 2023

An OFW whose employer abroad is required pay a share of his Pag-ibig monthly contributions following the rates above.

2. HDMF Monthly Contributions for OFW Members whose employers are exempted to mandatory coverage

pag-ibig monthly payments ofw 2023

An OFW whose employer is not subject to mandatory coverage shall contribute an amount equivalent to 2% of his or her monthly salary. The said employee may opt to pay the employer counterpart according to HDMF circular 391.

Pag-ibig Contributions Monthly Payment for Non-Working Spouse

hdmf contributions for non working spouse member

Non-working spouses including full-time housewives can also save through the Pag-ibig Fund. To compute your monthly contributions, take half the amount of your working spouse then apply the corresponding rates above.

Pag-ibig Contribution Rates for Household Employers and Kasambahay Members

pagibig contribution rates 2023

Kasambahay members will pay no share of their monthly HDMF contributions if their monthly salary falls below 5,000 because household employers must shoulder their full contributions. Otherwise, the kasambahay, will pay a 3% share (when earning 5,000 above).

How to compute Pag-ibig Contributions?

The maximum monthly compensation allowed to compute each employee’s Pag-ibig contribution is currently set at P5,000. It means that the maximum contribution a member can pay per month is currently P150 and the employer’s share applied to that maximum contribution is also P150.

If you are employed and receiving more than 5,000 every month, you will be deducted 150 every month to cover your employee share. Your employer will also pay 150 to your Home Development Mutual Fund (employer share).

How Pagibig Fund earns money?

Pagibig (HDMF) is a mutual fund. All the money you will contribute to the HDMF will be pooled and invested in different financial instruments, usually government funds or money markets. These Mutual funds then will earn income from those investments. As a member of the Home Development Mutual Fund, you are entitled to that income.

Learn more about Mutual Funds and earn more money by going to this page: Mutual Funds Guides

How to increase your Pagibig Contributions?

Pag-ibig, a.k.a. HDMF, allows members the opportunity to earn more income and dividends from the Fund by increasing their Pag-ibig savings. You can check out this post to learn how to do that: “How to increase your Pag-ibig Savings.”

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Fehl is the founder of Philpad and has been writing online for 12 years. She has a bachelor's degree in Accountancy and a background in Finance. She is a licensed Career Service Professional and author of a poetry book at Barnes & Noble. In her spare time, she likes to travel and discover new places.

47 thoughts on “New Pag-ibig Contribution Table 2023”

  1. hi do you allowed to contribute mp1 for more than 200 pesos a month, like example to pay for 500pesos monthly in regular savings?

  2. hi, what if i want to increase my contribution? does it mean 2% of my salary? and the employer will just share 100?

  3. Hello good day ask ko lang po paano po kung gusto ko po every year po ako maghuhulog ng pag ibig contribution ko voluntary member po ako. gusto ko lang yearly para hindi hassle sa pagpunta monthly sa mga center para lang makapaghulog pwede po ba yun ? saan ako pwede magbayad kapag 1 year sa mismong branch po ba ? paano at ano ang dapat dalhin? salamat po sa mga sasagot. wala po akong intention magloan gusto ko lang mag yearly. thank you

    • Just try to ask Pag ibig staff they can help you properly regarding to your concern. Just call them or go to the nearest branch for your inquiries

    • Hi there…. Yes, pwede kang mag bayad ng 1 year contribution mo just like Phil Health…. sabiin mo lang sa mag aasses sa iyo na gusto mong annual ang bayad mo…. You can pay sa branch kung saan ka na belong…

  4. Hello po mag inquire lang po ako regarding sa kapatid ko merun po siya na 15 mos contribution dati, if mag pay po ba siya ngaun ng 2yrs. Lump sum payment ng contributions nya pede napo ba siya maka avail ng loan ng land sa pag ibig at yun e purchase ko nya na lot eh kin ko na kapatid nya? Thanks

  5. hello, i am currently employed, and ang salary ko monthly is 7500 and ang ikinakaltas sa akin is 150 pesos na base sa salary multiplied by 2%. ganun din ang situation sa iba kong co-employee. ang nireremit sa pag-ibig is yung actual na kinakaltas akin na 2% of my salary and 2% na employer share. lahat naman kami nireremit ng tama ng employer namin. so is there any problem on pag-ibig side? maiipon ba lahat ng naihulog namin?

  6. Hi. Im a housing loaner and Im currently payinğ my monthly amortization dues worth 4.8k/mo. Then i recognized from the statement of acount they sending every month, that they deducting only 600+ pesos from my outstanding balance. So where does my 3.2k goes.. no dont see any computation on the document. Can anyone answer this… ?

    • based on my observation if you’re a voluntary member then want to pay your contribution it was 200 monthly you can pay quarterly or semi annual or annual. if you can afford to pay annual it will cost 2,400 per annual.

  7. Sorry just to confirm if you’re basic salary is 44K monthly you’ll be deducted 408.57 monthly pag-ibig contribution? Thank you.

  8. hello po,
    hindi po lingid sa ating lahat na maraming may negosyo o nag umpisa sa negosyo na wla naman background sa negosyo.. gaya ko po.. ang tanong ko lang po.. KANINO PO DAPAT MALAMAN NA OBLIGASYON KO MAGBAYAD NG PAG-IBIG FUND?
    maraming salamat po.

  9. Di ko po ma check kung ilang na contributions ko..exact na 10 years pi ba hhintayin bago makuha ang maturity???na appont po ako January dapat mkuha ko na sa jan. 2018..kaso ang sabi bbilangan ung month kung kailan ka ngsweldo…tagal naman ng months kung ganon..kasi ngsweldo ako ng ano ba dapat

  10. hi mam / sir’ tanong lang po ung ESAV po ba saan pwede kumuha non. kung ofw. pa help nman po need ko po kc… dhil sa housing loan…..kung sino po my alam pls. comment nman po…. thank you… God bless

  11. Hi! Pwede pong humingi ng computation kung magkano contribution sa pag ibig..para makapagbayad ako ng 24 months..gusto ko po kasi kumuha ng housing loan.

  12. Good day! I would like to ask if there might be an instance where the monthly contribution (employee share only) would reach to Php 400?Thank you so much in advance for your response.

  13. Hi good day..

    What benifits can I get when I enroll in this program aside from loans. What if I don’t want to avail loan.. What could I get in return from deducting my salary for this? Thank you

  14. Good day Ms. Fehl!

    Meron po akong katanungan na baka pero meron kayong idea. Kapag po ba si buyer ay fully paid na ang equity kay developer nagkakaroon pa po ba ng additional payment sa equity after the appraisal ni pag-ibig? Sabi po ni developer kaya nagkaroon ng additional sa equity dahil mataas ang appraisal ni pag-big sa corner lot. TIA.

  15. Good evening po tanong ko po kung naitransfer n ung 2 naunang work ko s ngayong pinagtatrabaho ko now, and how many months my contribution?

      • Hi ma’am question lng md2 po b pwedeng isang bagsakan ng pera o need tlga every month mgbayad and kng every month mgbayad until when nmn po??

      • Hello po mam! Ng mature ako sa aking 20yrs po last may 2014..D’s month pumunta Ako sa branch dito sa akin mg aply ng salary loan..But sad to say ni record found dw po.monthly nman po Ako deducted sa 100 in my paylip.e reconcile dw nila sa deped 7mos processing..Ano po ang nangyari? Sino my pgkukulang? DepEd o ang Pag ibig personal? Tnx sa pagtugon

  16. Magandang umaga po. Sir maam. Tanong ko po kong gagawin ko po sa unit ko dina po ako maka hulog ng pitong buwan po,pero gagawan kunaman po ng paraan kaya lang sa ngayon po ay wala pa po akong tawag sa abroad ini intay ku pa ko ang opis na matawagan ako,isang alis kulang po ay bayag nayan,sana naman po ma una waan nio ako wala po talaga kamin malipatan at sayang naman po ang hinulog,salamat po


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