Pagibig Housing Loan Application Requirements Processing and Procedures

168 thoughts on “Pagibig Housing Loan Application Requirements Processing and Procedures”

1. hi, 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?! thank you…makakatulong tlga reply mo samen

2. hi ms fehl.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?thanks.

3. hello po. ask 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?
   please advice po,
   thanks po,

4. hi ,
   thank you sa mga information it helps a lot..
   tanong ko na din po gaano po katagal kung complete na ang requirements sa housing loan?

5. Gud pm 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 gwin tnx po

6. Hi 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? Thank you.

7. Hi Ms Fehl,

   good morning po. 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.

   thanks po.

8. hindi po downloadable ung Authorization to Conduct Credit/Background Investigation

9. ask po ako ofw me tapos mag housing loan po ako sa pag ibig,eh may colateral po ba yun?..salamat !

10. Hi..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? Thanks!

11. hi…ask q lng ganu b katagal hhntyin q pra matakeout ko ung bhay? housing loan sa pag ibig? oct27 kmi natapos sa requirements na hinihingi ng developer nmin. nov.24 pinapunta aq sa pagi ibig for validation. ganu katagal maapproved un? at ung NoA kelan aa mkktanggp? thanks..

12. 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 .. Please reply asap .. Approved na pero not yet turned over pa ung bhay, salamat

13. good day po. balak ko po kasing bumili ng lupa pero hindi ko pa balak patayuan ng bahay, pwede ko po bang ipasok sa pag ibig yun? thanks in advance.

14. hi po..gud day..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?

15. ask ko lang po kung pwede ba mag loan for house renovation? kung owede anu anu po ba yung requirements? thanks a lot.

16. Hi. 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. Please advise.

    • That’s just one of the factors they mentioned in the seminar. Apply po to get assessed na and completely know how much you can get

17. gud pm po.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? hoping to hear back from you miss.thank you

18. hi po.ask ko lng po sana,,kc gusto 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???

19. Mam Fehl gud nun ask ko lang po kung may repricing poba ngaun ang pagibig at ano po ang requirments or paano po magavail para sa repricing?tanx,have a nice day & God bless po…

20. hi po!
    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..
    salamat po..

21. HI, 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.

    Thanks in advance!

    • You mean continue renovation?

      • no, not continue renovation
        instead, i loloan ko yung nagastos ko nung nag parenovate ako ng bahay.

22. Hi ms. Fehl,
    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? Tnx

    • Go to the Pagibig Housing Loan and apply cancellation asap

23. Hellow,
    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?
    Tnx

    • I suggest you go to the Pagibig branch that handles your membership right since your account is based there. It’s good to take loans only if you have stable and regular income. If you don’t have stable income, the interests of your loan balances will multiply.

24. hi po!
    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..
    salamat po sa advise..

25. Kung sakali po maaprub at mairelease na ang cheque, yung attorney in fact e matapat na out of the country..pwede po ba yung anak ang mg receive?

26. Ble naappraise n po sng haus na nailoan ko, ibig sabhin po ba nun approve na? Ganu po ktgal mkkarisib ng noa after appraisal.. (appraise:nov.6)

27. Hi thanks for the reply.. another question po, 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?thanks

    • You decide which you want – house construction or house renovation. They assess the approval based from your contributions, construction budget and requirements

28. Thanks alot, if isa kang Ofw and earning over 20k salary roughly mga magkanu kaya maloloan mo.. my contribution is 900/month

    • It depends upon the housing project and your contributions.

29. Hi Po i came across with this very informative topic..thanks kc some of my inquery answered through reading the comments above..
    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. Thanks alot po Ma’am.

    • Yes, you can give authorization to your family or relative

30. I want to avail po a Pagibig loan for house improvement. I am an active member of Pagibig. What are the steps po?

31. hello po.. 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… pls reply po.. salamat

    • They get photocopy of it but you need to show the original copy as proof

32. Hi! I would like to ask if I can avail a Fully Furnished House & Lot finance by Pag-Ibig?

33. Hello. 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? Thanks.

    • It’s allowed even though the land title is under your mother

34. Hi! Thanks for your blog, very informative..=)

    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?

    • If you will apply for total renovation, apply for total renovation. Pagibig is very strict. They assess everything before they approve the housing loan and before they issue the checks.

      • ask lang po ako kung pwede po ba ako makag avail ng housing loan sa pag-ibig kahit walang collateral?meron po akong lote pero rights lang, yong lot own by local government unit..gov’t. employee po ako and i have already 40months contribution..

35. Gud day! 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. Thanks and God bless you!

    • Yes, submit your application and requirements to know if you will be approved 🙂

36. Ask ko lng yung contract to sell ba need na notarized?yung isubmit.?mgkno b yun tlaga ?

37. Tanong ko lang po. 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. Slamat po.

    • It depends upon your contributions and the cost of the construction

38. Hi!

    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? Thanks!

39. Hi ask lang po ako mga ilang months po need iwait ang approval sa housing loan ng pag ibig. Tapos na po yung equity, last august ko pa na submit ang application thru developer.

40. Hello po,

    yung sa home reconstruction required po ba talaga na may architect plan?pwede po ba mag apply ng certain amount lang for housing loan…kunwari po 50k?

    • Yes, they need professional plans signed by architects and engineers because they will base the budget or cost of the construction there.

41. Hi,

    I want to transfer my housing loan from my employer to PAGIBIG. Is this possible? What’s the procedure?

    Thanks,
    Roland

42. Hi po,
    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.

    sana matulungan niyo ako.

    salamat.

    • You are required to be an active member first before you can avail benefits in Pagibig like housing loans

43. hi po kung magloan buh ako ng bahay magkano yung monthly ko?
    or gaano buh kalaki yung bahay I mean ang sukat nya..?

    thank po

44. please advise us..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..please advice

45. Thank you for this informative blog, Ms. fhel tanong ko lang po allowed na po ba kong maghousing loan kahit hindi ko pa kompleto yung 2yrs since last salary loan ko

    • One of the requirements is to have at least 2 years of contribution. However, Pagibig allow members to complete the 24 months if you have missed payments

46. Hello po gud pm po, 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 thanks in advance po ma’am!

47. hi ms fhel,

    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?

    thanks,
    mai

48. Dear Ma’am,

    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?

    Please help me.

    Flora

49. Is it advisable to avail the repricing option ng pag ibig?

50. good morning po maam, 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? OFW po kami pareho

51. 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?

    maramjing salamat po!!

    • They base it on your contributions. If you’re contributing 200/month, you can apply for 500,000 housing loan, that’s what they mentioned in the seminar

      • Hi po gusto ko lang malamn anu po ba talaga ang exactly requirements para sa ofw na makapag avail nang house loan sa pag ibig

52. good day po ms.fehl, 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?
    thank you po ng marami pasensya na po sa npaka haba at maraming tanung…GODBLESS.

    • Hi Julie! It’s up to you how much you wish to apply, Pagibig will be the one to approve it anyway. They would grant you loan based on your contributions and your housing project. They will assess everything before they release the approval. It is applied in person as of now coz you have to submit complete papers and requirements, attend seminar. The cheque is issued every completion of work of the project, not only once. You can pay your loan after it was created and it has been active. They will discuss more in the seminar. God bless!

53. Hi Ms. Fehl,,,,

    Pwd po humingi ng advice, 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…..

    Thank you po in advance…God bless you po and more power!

    • Hi there. I suggest you pay and settle your account in full so that it won’t grow more interests and wala kana masyado inissip. Then apply for housing loan to know if you’re eligible. If you have been contributing for many years, I’m sure you will have more chance of getting approved

      • Thank po for the advice Ms. Fehl….God Bless you and more power

54. ask ko lng 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 ?

    • application as of now is done personally because the applicants will need to attend seminar to clear all questions and discuss everything about the Housing Loan. Housing Loan is a very serious matter so every detail must be discussed

55. and how much ang makukuha kong amount for the 3-year loan? and when will my monthly repayment starts?

56. Hi Fehl,

    Thanks for this very informative post.

    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?Hope you can give me advise.

    Thank you in advance.

    • Housing Loan is for housing projects such as construction or renovation and the house building related projects listed in the form . Other than that, it wont allow you for a loan. Yes, the applicant needs architecture design, planning, layout, building permit etc. See the requirements mentioned above.

57. Hi fehl,

    Will the pag-ibig give you the amount that you ask for? Lets just say the house is worth 2million, will they allow you to loan the same amount?
    Thanks,
    Nosaj

    • They will approve your loan amount if you meet their requirements otherwise they will approve lower amount they think you can afford to pay or suitable to the project and your contributions

58. hi…ask ko lng po kung paano ilipat sa pagibig housing loan ung bnbyaran ng mama kong bhay sa realstate..d po nmen kung panu ang proseso ei.thanks po godbless

    • Please go to the Housing Loan Department of HDMF near you so they can assist you better with that case

59. im planning to apply a loan for renovation but the property is under the name of my mother can I avail a loan for this cases?

    • According to the seminar I attended, yes you can apply for housing loan even if the property is under the name of your dad or mom.

      • Hi Fehl,

        I have the same situation with Elai, but I am wondering if Pag-ibig Fund needs to have supporting documents that my parents is allowing me to use their Land Title for the Home Improvement loan.

        Thank you and I am looking forward to here from you soon.

        Kathleen

        • From the seminar, if the land is under your parent’s name, you need to submit Agreement for Accommodation with Special Power of Attormney

      • Hi Fehl,

        Good morning!I just want to commend you for your blogs!Very informative!I love reading blogs and yours is one of my favorites.Galing! Kudos!!!

        Do you know if pwede akong mag file ng loan kahit na under ung bahay at lupa ko sa bayaw ko?
        Nung time na kumuha kasi kami ng bahay sa Montalban e bago pa kami sa trabaho kaya ipinangalan muna namin sa kanya pero kami ang nagbabayad.

        • According to the seminar, they allow clean title with no case and the title is registered under the name up to 2nd degree affinity (sis, bro, grandma) or 1st degree parents

          • gandang araw po mam,ask ko lang po san kung mga magkano po kaya ang maloan ng isang employer,,halimbawa po natuturo po sya sa university at sumagsahod ng 30k isang buawan at regulara po sya?

60. Good day po..ask ko lng po kng magpa cancel po ako ng housing loan e ma black listed na po ba ako sa pag-ibig? Thanks po

    • Do you mean cancel of application of housing loan?

      • Ahmm..opo…

61. Nice post 🙂 Super informative.
    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?

    thanks

62. Good evening, 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.Maraming salamat po at more power..

    • If he meets the requirement, yes he can apply. The member must have contributed at least 24 months. The loan value will be based on Pagibig approval

63. Good day, na-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?

    • Any change in the plan and construction must be known by Pagibig housing loan department coz they based the loan approval on the original plan. You must tell and report them any update or change

64. Hi Fehl,

    Good day !!!

    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. many thanks

    • Yes I suggest you go directly to Pagibig to check and verify your housing loan application even if you use a developer. You are the member and you always have the right to check anything involving your account. Have a great day!

    • Hi Fehl,

      Im glad na nakita ko yung site mo, maraming akong natutunan based sa mga inputs.salamat kasi my mga ganitong site. Ask ko lang kasi balak ko sanang mag loan ng House Construction sa pag ibig.Pero wala akong pampatayo ng 30% house stracture, ma consider kaya yun ng pag ibig?Ma approve kaya pag ng loan ako?

      thanks.

      • If you meet the requirements listed above, let your application be assessed, only them knows if you’ll get approved. I think though as long as you’re active member with enough contributions and bad records, you will be approved even if not the total loan.

65. Thank you Ms. Fehl, the requirements for the housing loan is very informative. Thank you for creating this site.
    Just want to ask is there a schedule for their seminars and where do they usually conduct the housing loan seminars?
    Again thank you and more power to you.

    • Hi Meann! Yes they always conduct Housing loan seminars coz it’s now required. It depends upon the Pagibig branch. In the branch near us, they conduct every Friday. Go to the Housing Loan department and ask for Housing Loan application form. They will give you then the forms for requirements too and the date of your seminar

66. Thank you F

67. Very informative post! Just a question, for house construction loan application, is it true that there is a certain % of house construction completion before the loan is approved or the loan is released?

    • The loan is not given in a lump sum. They will issue checks (cheque) based on the completion of the construction. In the example discussed from the seminar I attended, for example your loan is 1 million, checks will be issued:

      1st check 300,000
      2nd check 300,000
      3rd check 300,000
      4th check 100,000

      • Hi ms fhel. With regards to the staggered release of loan in pag ibig, do They release the 1st check before the start up of the house improvement? thanks a lot. Hoping for your prompt reply. Kind Regards..

        • Yes, that’s what they mentioned from the seminar 🙂

68. Avail houses in edgewood antipolo city, you can avail it thru pag ibig. 100% walang baha!!! Text or call

69. Good day…mam 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.

    • Please attend personally sa Pagibig Housing Seminar to know if the exact loan will suit your needs.

70. 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. Tnx in advance.

    • Verify it at Pagibig. They won’t approve a loan unless their name would be in jeopardy too. I think they have learned their lesson 🙂

71. Hi Fehl,,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?

72. 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?

    • NOA is Notice of Approval. Means, your housing loan has been approved. Consider the past Holy Week so add few days to the estimated 3 months they told you. If you want, you can also contact the branch housing loan department to make a follow up.

73. HI Fehl, Ask ko lang kung pwede ang proxy sa seminar kasi di ako pwede mag leave during weekdays. thanks

    • I think yes since I was actually a proxy when I attended the seminar. The applicant for housing loan was really my sister

      • kasi nag-aapply ako online eh kelangan magpasched for seminar, sasabihin lang ba ng representative ko na nirerepresent nya ko? and certified true copy lang ba ng title kasi, nagdeclare ako ng lost title pero samen nakaregister at kame nagbabayad ng amilyar. thanks

        • I think yes. In my situation, I asked the Pagibig employee in person kasi.

      • i thought wala na pong seminar.. if thru developer anu po ung mga basic requirements?

        • We were not applying housing loan via Developer. If you are with a Developer, the requirements are kinda different. Usually, our Developer will be the one who will tell you the requirements and timeframe of construction.

74. Hi Fehl
    Quick question. 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?

    Please advise and thanks.

    • Yes that’s pretty much the time they discussed in the housing seminar from Pagibig. If you must, make a follow up because it’s almost Holy Week

    • Hi, sang developer po kayo? anu ung mga requirements na sinubmit nyo?

      • Note that I didn’t apply with a Developer. I applied directly as a Pagibig member. If you own the lot already, you can just apply yourself without using a third party. 🙂

75. 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. thanks po

    • They already told you no more additional documents needed so you don’t need to worry. Pagibig is very helpful and considerate. They base the loan according to your capacity to pay and contributions

76. Hello andito po ako sa taiwan ngayon magkano ang lumpsum na bayaran ko para mka avail po ako ng housing load this year thanks alot

    • You must be an active member and have contributed 24 months…If you’re currently not active, I suggest you resume your membership and pay the necessary contributions to meet the requirements in housing loan. Just go to the Pagibig branch near you when you got home..or ask your family in the Philippines.

77. Ilan buwan po ba nag hihinatyin namin para ma release ang loan, iyong notice of approval po?

    If you file the application now, how long would you wait?

    Thanks po!

    • Assuming your documents are all complete and Pagibig approve everything, then it’s within the days when the NOA was released. From the seminar, they said about 3 weeks from the date of application

78. IS IT TRUE NA MABABA NA ANG APRAISAL SA PAG-IBIG HOUSING LOAN NGAYON, CONFUSED PO AKO NGAYON SA SINABI NG DEVELOPER NAMUN KASI DAW DAPAT 750K ANG LOANABLE AMOUNT NG AKING KINUHANG BAHAY PERO BAKA DAW 400K-500K LANG ANG MA AAPROVE NG PAG-IBIG, ANG EQUITY KO AY 230K SO KUNG NASA 400K-500K LANG ANG MAAAPROVE SA LOAN KO, AUTOMATIC DAW NA YUNG BALANCE SA LOANABLE KO EH IDADAGDAG NA SA EQUITY KO AT AABOT NA ETO HANGGANG 500K…SOBRA NAMAN PO YUN,,HINDI NAMIN YUN KAKAYANIN..

    SANA MO MABIGYAN MO KAMI NG ADVICE TUNGKOL DITO. THANKS!!!

    • It depends upon your contributions. They base the loanable amount from your capacity to pay and your contributions. All loan providers are basing from that anyway

79. hello po…paano po icheck ang contribution ko?

80. Ms marifel ask ko lng po ung requirements po n bldg plans, specification n galing s licenced cvl engr. Ir architect…db po b mahal un..wla n pu bng ibang way…need po b tlg un…12k per sq.mtr daw po ang paggawa ng bldg plan eh

    • Yes so we must look for kakilala na licensed din na ok yung fees. We have to pay fees talaga because those plans and blueprints are not easy to make and we are using their expert service. If you need an architect, I can refer you one. He’s licensed and has been doing great projects. Mabilis pa kasi Autocad. He’s not charging that expensive fees. He’s on per project basis, not per SQM 🙂

    • Hi, the standard rate of an architect for the plan is 10% of the total construction cost. It depends also on the complexity of the design and other circumstance. Thanks.

      • it is for residential.

81. gud pm!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…pls..tnx

82. gaanu po ba katagal yung pag process ng housing loan????kasi po almost two months na po hindi pa din naaprubahan ng pag ibig yung housing loan namin…..

83. 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….. contact E-Mail me

84. Im thankful nkita ko yung blog na to, 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? Thanks so much!

    • Hi ms. len,
      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). Thanks in advance!

85. Hi, this article is the most complete and most helpful I have encountered. 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? Thanks in advance.

    • Hi there. Thanks for the great comment. Looking at the Housing Loan Application Form, there are too many loan particulars listed including Purchase of House and Lot. I think you can find that option you are looking for at the list. There is no specifications for developers. You can download the Form via the link I included in the article. It’s free. 🙂

    • D po b s bnabyaranG OEC ng mga ofw ksama n po duon ang pag ibig

      • Yup and SSS and Philhealth

86. 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..thank you so much and god bless you.

    • The best thing to do is verify your Pagibig account status so you’ll know what to do and what to submit before you apply for housing loan again. Magagamit naman yung SPA sa pagverify. Make sure your sibling has valid IDs or proof he/she is really your sibling. Pagibig will surely be glad to assist your housing loan queries 🙂

      • Wala p po ako asawa at anak. Dalaga pa po ako sister ko po ang pinag aasikaso ko ng lahat ng mga kailangan sa bahay ko..kaya lang kailangan ko daw bayaran ang niloan ko na pera sa pag ibig..pwde ko ba bayaran ng cash ang kinuha ko n pera..

87. Hello, I hopped over to your blog page via Pinterest. Not some thing I normally read, but I really enjoy your thoughts nevertheless. Thank you very much for generating some thing worthy of reading!

    • thank you and so glad of reading your kind words about my site. God bless!

88. Hello,
    I’m 27 yrs. old,Ofw in Malaysia,
    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,
    Please help me how to apply this,
    Thank you,,

    • You need to be an active member of Pagibig and have contributed at least 24 months of contributions in order to be eligible to apply for housing loan. If you’re not active anymore or have not yet completed the 24 months requirements, you may resume your active status and pay lump sum to complete the required 24 months. I suggest you go to Pagibig branch when you went home in the Philippines if you wanna file your application for housing loan

      • Thank you very much,,

      • ang ibig sabihin po pwedi po kami mka load pag mabayaran nmen ang 24month member po aq kaso hndi kuna nabayaran d2 ako sa saidi

        • Yes that’s an option for those who don’t meet the required 24 months. And that is just one of the requirements for housing loan. You still need to submit and comply with the other requirements before your HL will be approved.

      • Good day po.seaman po ako.i work as a sailor for 20 years pero ang company namin nag start mag hulog 2008 pwede ba ako maka avail ng housing loan meron bang area kayo part ng makilala n. Cotabato

        • If you meet the requirements mentioned above, you can apply po at the Pagibig branch near you. Good day!

89. how to use the sss loan program

    • You must be eligible and an active member to apply for a loan

      • Hi 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?

        • Go to the nearest Pagibig branch po and go to the Housing Loan department and schedule for the seminar. They will give you forms and list of requirements.

      • Hi po,ask q lng po ofw po aq dito sa italy,pagibig member po aq at gsto q po mgavail ng housing loan,possible po b n mgavail ng 2housing loan at once not exceeded po sa 1.5 million ang tcp ng house pero 2 po cxa house..thanks po

        • You can apply po to know if you’ll get approved, since you’re an active member and assuming you meet the requirements, you have more chance

Comments are closed.