Pagibig Housing Loan Application Requirements Processing and Procedures

How to apply housing loan in Pagibig Fund (a.k.a. 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?

In this post, I’m gonna share about the process and steps in application of housing loan thru Pagibig Fund. I have attended a seminar in Pagibig recently as it one of the requirements before filing application.

I’m not affiliated with Pagibig but I am recommending it than availing housing loans on banks because the interest rates are lower.

pagibig housing loan application requirements procedures

One of the awesome benefits of being a Pagibig member is the Housing Loan. Everyone needs their own house sooner or later. Pagibig’s interest rates for this kind of loan are lower and cheaper compared to other housing loans and financing options offered usually by banks.

I’ve summed up the reasons why should you apply in Pagibig than any other housing loan provider. By the way, their online calculator is useful. I’ve shared the list of Pagibig housing loan application requirements here too.

Why You should Get Pagibig Housing Loan?

The benefits and advantages of choosing Pagibig housing loan than any other loan provider are as follows:

  • Interest rate in Pagibig is lower and cheaper. Right now it starts with 7.785% per annum. Banks usually offer 10% and higher.
  • Re-pricing of interest rates is lower too. It won’t go up or above 2% in case of inflation and other economic factors.
  • It is easy and simple to apply provided you are eligible
  • Approval process is fast and quick

Pagibig 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:

Pagibig Housing Loan Application Requirements

1. Housing Loan Application Form – paste your recent 1X1 photo

2. Membership Status Verification Slip – 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%

*source: HDMF* (Interest rates can change after the publication of this post)

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%.

Tips in availing Pagibig housing loan:

Whatever loan you are availing, I advise you to borrow only the amount you are comfortable and affordable to pay. Consider your financial status and capacity to pay before you apply for a loan. If you can pay the loan in 3 years, choose 3 years. Otherwise choose the longer term.

Never underestimate interest rates. It is advisable to ponder on what you are dealing with. Use your calculator many times and verify your resources and assets. The best person who knows his eligibility to loan and to pay is himself.

About Fehl Dungo

Licensed Career Service Professional, tech investor, founder of Philpad, and published author of a poetry book at Barnes&Noble.

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

  1. Hi. Ask ko lang sana if my idea kayo if may mga processing fees ang pag-resume ng pag-ibig housing loan and kung paano at gaano katagal ang proseso.

    Maraming salamat po!

    Reply
  2. …good day po Ms. Fhel
    Gusto ko po sanang mgloan s Pag-ibig,small amount lng po pngsimula ng house nmn OFW po ang asawa ko.Pde po b khit s parents ña nkpangalan ung title ng lupa both parents po ña ay buhay p at they allow him to use his part of the land,kulang lng po kmi s budget kya naisip nmn n mgtry s pag-ibig since maliit lng po ang interest…At willing ko pong bayaran ung first 24 months in lump sum to avail..medyo kabado lng po kasi ako dahil nagun lng po kami kukuha tru Pag-ibig..
    Maraming salamat po.

    Reply
  3. Hi. I am planning to apply for housing loan sa Pag-ibig. Pwede po ba na maging co-borrower ko ang aking friend kasi plan po namin na i half yung lot na ipu purchase.

    Reply
  4. Hello po,gusto ko lng po malaman kng ano pueding gawin kapg fully paid ka na sa equity and move in fee ng housing loan sa pagibig kaya lng wala parin pong natatayong unit c developer.since sept 9,2016 pa po un.ofw po ako.
    Thank u.

    Reply
  5. Hi. May I please ask..I have lived in NZ since 1987, acquired a Kiwi citizenship, don’t hold a Philippine passport no more but from time to time, I go home to visit my family. I would have loved to buy my sister and brother a small house each, I can afford a deposit but not the upfront whole price of a house. Can I avail a Pag-ibig or a bank loan? What about an In-house financing?

    Reply
    • you can if you are a member of pag ibig or better yet you can do is to avail a pasalo house like ours we are under pag ibig and you will just pay us 600k and the rest is payable

      Reply
  6. tanong ko lang po balak ko po sana magloan sa pag-ibig wala po kase ako masyadong alam sa ganyan. balak ko po sana magtayo ng paupahan ano po ba tawag sa loan na ganun at covered ba ng pag.ibig yung magkasama ang housing loan at pagpapatayo ng paupahan.

    Reply
  7. gudpm. ask ko lang po ako yung seller ng house and lot. yung buyer seaman po asawa ng ate ko gusto i loan sa pag ibig 1.3 m. ok at malinis po ang title ko. gaano po katagal process nyan? pagkaka alam ko 3 months pa bago ma transfer name sa buyer balak ko na po kc umalis ng march. bka pwede maka pag loan na agad sila maski di pa na transfer sa name ng buyer and title.
    or bka pede nila gamitin yung isang title na nakapangalan sa kanila as collateral? madam pls reply po salamat

    Reply
  8. Good day po
    We need assistance for Pag ibig loan . We have our Lot member po ako na Pag ibig and with permanent income . Problem is I assign in mindanaw and the Head office is in Makati.
    Sana po reply po kau.

    Reply
  9. Hi Mam,

    Mag inquire lang po – Maghousing loan sana kami ng kapatid ko, sa kanya naka name ang contract to sell. Pero pwede po kaya na ako ang Prinicpal borrower? at siya ang co-borrower? 30% na din kasi ang naibayad namin sa Downpayment sa developer.

    Thanks

    Reply
  10. Hi Fhel,

    need help po. i am a PAGIBIG member and fully qualified to do Housing Loan kaso lang po i have issues with my status. I got married 2009. however naghiwalay na kami ng ex wife ko for 8 years pero di pa legally annulled. di ko na po sya nakakausap or nakikita since then. i have legal documentation of abandonment of our child and a SOLO parent to proved that i am single parent. pano po ba gagawin ko para maaproved ako sa loan ko kung di ko na kaya papirmahin yun ex wife ko.

    hope you can help me.

    Reply
  11. Hi Ms. Fhel,

    Ask ko lang po, sa housing loan po ba sa PAGIBIG need ng downpayment? Kasi sa processs po pag binabasa ko, wala naman naka include pero may other articles lang po na parang nababanggit yung downpayment. So I confused po kung need nga ba talaga ng downpayment with a certain percentage ng kabuuang worth ng bahay. Kasi po kung ganun hindi din ako magkakaron ng bahay dahil need din ng cash.

    Thanks po sa sagot niyo.

    Reply
  12. I read your article for home loan in lowest interest and how to procedure, but i had about for home, construction, property, housing, montgage all kinds of loans provider more information Get Easy Bank Loan

    Reply
  13. Hi po good day we have the same problem sana po magreply kau. Naapproved na rin po ako sa pag ibig loan ko ang kaso di pa natatake out dahil masyadong mabagal si developer 2014 ko pa na avail at mag2 years ng bayad ang equity until now 67% pa lang ang house ko ang kaso nagresign na po ako. Pano po un wala pa akong balak mag apply eh kaso can afford nman po bayaran ng partner ko. Help me pls. Need your response

    Reply
  14. hello fehl,

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

    thanks
    donn

    Reply
  15. Hi Ms. Fhel, 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?

    Reply
  16. 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!

    Reply
  17. HI Ma’am Fhel .. 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? pls advice. thanks

    Reply
    • 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.

      Thanks.

      Ren

      Reply
  18. 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?

    Reply
  19. 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. Thank you

    Reply
  20. @fehl

    Greetings!

    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 ?

    Reply
  21. 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?,

    Reply
  22. @Fehl, 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?

    maraming salamat sa iyong blog, natulungan po nyo akong masagot ang ibang tanong ko. God Bless and Merry Christmas!

    Reply
  23. 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?Thanks po.

    Reply
  24. 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…thanks

    Reply
  25. 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..

    Reply
    • Hello. Yes you can use your parents title as collateral for your loan. May mga added requirements lang. An example is our loan. The title of the lot was under my name but my husband applied for the loan.

      Reply
      • Dun sa TCT both parents and grandparents ko ung naka pangalan sa title. What if kung wala na yung grandparents ko? Ano ung mga kelangan gawin?

        Reply
        • Hi.. Almost same tayo ng situation pero yung sa case ko, the lot belongs to my deceased father. Pagibig required me to transfer the lot first under my name before I could be able to use it as collateral. They dont accept titles kasi na under sa name ng taong patay na. Clean title ang kelangan nila which is dapat nakapangalan sa buhay. Yun nga ang inaasikaso ko ngayon, bukod sa magastos magpatransfer eh time-consuming pa.

          Reply
  26. Hi Ms. Fehl,

    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.
    Julee

    Reply
      • hi ,sharon,gusto ko mag apply ng housing loan somewhere in kidapawan or makilala,OFW ako sa Canada,do you know someone na makatulong ng processing?
        Balak kong umuwi next month sana matulungan nyo po ako.thanks.

        Reply
      • ms. sharon 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 tnx

        Reply
  27. hi Ms.Fehl ,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 ..thank you

    Reply
    • Hello. If you want the title to be transferred to your name, the best place to start is at the Land Registration Authority.

      Reply
  28. Good day po. 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…salamat po

    Reply
    • Equity collateral means you have to use your own money first to start building your house about 17% of your loan amount then Pag-ibig will assess the structure then will release the first check.

      Reply
  29. hi,

    gusto ko po mag inquire, pwede po ba ako mag apply, gusto ko po kasi bumili, andito po ako sa US, maari po ba akong mag apply? at pwede ko po ba agad bayaran ung 24 months para makapag loan agad ako, para mabili agad ung bahay at lupa?

    Reply
    • Hello good evening po. 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. Salamat po and GOD bless.
      I

      Reply
  30. Hi,

    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? thanks!

    Reply
  31. For Construction of House and Home Improvement Loan
    Paano po kung walang;
    Building Plans, Specification and Bill of Materials duly signed by the Licensed Civil Engineer or Architect, Building Permit

    Reply
      • Hi..may tanong lang po ako. I am selling my house at gusto ng buyer ko ippasok nya daw sa pag ibig. Wala pong title ung lupa..rights lang. Wala din po plano ung house kse ako lang nang design. Is iy possible po na ipasok sa pag ibi? Thanx in advance..

        Reply
  32. Hi,

    Combined salary and contribution ng spouses po ba ang titingnan ng Pagibig o ng principal borrower lang?

    Thank you po.

    Reply
  33. Hi Ms. Fehl,

    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? thanks!

    Reply
    • Hi,

      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 kahit may existing salary loan ako sa pagibig? Thanks in advance!

      Reply
      • Hi ms fhel. Pwede ko ba makuha contact number mo. May mga question kasi ako regarding pag ibig housing loan. heres mine. 09265906753/ please do contact me if you have time. thanks!

        Reply
  34. Hi ms. Fhel

    ask ko lng po, pwede po b n ang co borrower ang mgapply ng hoising loan? Done n ung house but being financed by a bank. Itransfer sna sya pag ibig pero ang pgaaply loloan is the borrower and not the person n nsa titolo. Thanks

    .

    Reply
  35. Hello po. 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. salamat po sa lahat.

    Reply
    • Hi. I suggest you bring the letter at Pagibig so they can explain the details about it. You need it to make sure all is accounted for

      Reply
      • Hi! Mam mayroon ba na 1year payment para mabili ko ang lot sa pag ibig? Kasi wala akong work or business bale yung husband ko ang may Pension (retired US Army). Kasi kung bibilhin na man namin ng cash in 30days process di na kami kakain ng 4months kung 1M ang halaga. Hehe!

        Reply
  36. Maam,

    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….Salamat

    Reply
    • You can make a follow up about your application by going to Pagibig Housing loan section. Do it personally not on phone 🙂

      Reply
  37. Hi Ms. Fehl, 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? Maraming salamat. God Bless!!!

    Reply
    • Hi. I suggest you resume your active status, pasok ka naman sa minimum requirement but you need to check your account to update it for the loan balance you still have to pay. God bless!

      Reply
  38. Hi po…ask ko Lang po sana Kung pwede po b mag apply loan through online?ano po b kailangan ?ofw po ako ditto s Canada…tnx

    Reply
  39. …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?

    Reply
  40. 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.

    Reply
  41. good morning mam tanong ko lng po kung pwede ko po ba ma avail ung benibenta na bahay ng kasamahan ko s trabaho? 1.8m kc yung price naya yung salary ko po per month, (9K)

    Reply
  42. Hi po! 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? Thanks po!

    Reply
    • I suggest you transfer the title in your name so everything will be legal since your granny is not here anymore, everything she left is under in her estate

      Reply
  43. Good morning,ask ko lng what if less than a year pa lang yung nacontribute ko sa pag-ibig fund pero gusto ko n mg avail ng housing loan,anu kaya ang pwde k0ng gawin?.

    Reply
  44. Hi Mam Fehl,

    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. I will wait for your reply. God Bless..

    Reply
  45. hello po, 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?

    Reply
  46. Hi mam,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.

    Reply
  47. For OFW:
    •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.

    Hi Ms. Fehl!

    Di magbibigay employer ko ng certificate of income. Meron bang ibang altrenative?

    Neil

    Reply
    • Try submitting your recent payslips or have an Affidavit indicating your work on that company, year of service and salary then have it notarized. I think that would help 🙂

      Reply
  48. Ms. Fehl, 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? 🙂 tnx

    Reply
    • hi, meron sila online calculator if you want to use your estimated loan application. I recommend Housing loan to BPI and PNB, too because they offer lower rates compared to other banks.

      Reply
      • 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?

        Reply
  49. Hi Ms. Fehl,

    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. Thanks!

    Reply
  50. Hello Fehl,
    Kumosta po kayo. 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.

    Magkano po ba ang monthly minimum na kailangan hulugan ang account. I hope to hear from you when you get a chance. Thank you and ha a Nice Day.

    Maricar

    Reply
  51. Hi Fehl,

    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?

    Salamat!

    Reply
  52. nice blog!! 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?? tnx

    Reply
  53. 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? Thanks po.

    Reply
    • I suggest you apply to know the real result because only them has the final say. They will check all your requirements and credit status and capacity to pay.

      Reply
  54. Pls answer me…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 p….thanks need ur answer asap

    Reply
  55. Hi good evening 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 thanks for your rep and godbless

    Reply
  56. 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

    Reply
  57. 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.

    Reply
  58. 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,

    Reply
  59. 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?

    Reply
  60. 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

    Reply
  61. 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.

    Reply
  62. 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.

    Reply
  63. 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!

    Reply
  64. 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..

    Reply
  65. 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

    Reply
  66. 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.

    Reply
  67. 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?

    Reply
  68. 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.

    Reply
  69. 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

    Reply
  70. 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???

    Reply
  71. 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…

    Reply
  72. 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..

    Reply
  73. 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!

    Reply
  74. 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

    Reply
  75. 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

    Reply
    • 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.

      Reply
  76. 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..

    Reply
  77. 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?

    Reply
  78. 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)

    Reply
  79. 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

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

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

    Reply
  81. 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.

    Reply
  82. 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

    Reply
  83. 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.

    Reply
  84. 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?

    Reply
    • 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.

      Reply
      • 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..

        Reply
  85. 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!

    Reply
  86. 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.

    Reply
  87. 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!

    Reply
  88. 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.

    Reply
  89. 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?

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

      Reply
  90. 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.

    Reply
  91. 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

    Reply
  92. 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

    Reply
    • 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

      Reply
  93. 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!

    Reply
  94. 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

    Reply
  95. 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

    Reply
  96. 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

    Reply
  97. 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!!

    Reply
    • 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

      Reply
      • 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

        Reply
  98. 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.

    Reply
    • 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!

      Reply
  99. 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!

    Reply
    • 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

      Reply
  100. 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 ?

    Reply
    • 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

      Reply
  101. 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.

    Reply
    • 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.

      Reply
  102. 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

    Reply
    • 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

      Reply
  103. 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

    Reply
  104. 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?

    Reply
    • 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.

      Reply
      • 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

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

          Reply
      • 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.

        Reply
        • 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

          Reply
          • 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?

  105. 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

    Reply
  106. 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

    Reply
  107. 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..

    Reply
    • 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

      Reply
  108. 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?

    Reply
    • 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

      Reply
  109. 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

    Reply
    • 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!

      Reply
    • 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.

      Reply
      • 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.

        Reply
  110. 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.

    Reply
    • 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

      Reply
  111. 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?

    Reply
    • 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

      Reply
      • 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..

        Reply
  112. 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.

    Reply
  113. 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.

    Reply
    • 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 🙂

      Reply
  114. 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?

    Reply
  115. 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?

    Reply
    • 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.

      Reply
      • c genevie po of cdo..can i ask po pwd po ba mg avail ng housing loan direct s pagibig??kC sbi po nla mas makakamura dw po pag s pag ibig ng apply??

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

      Reply
      • 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

        Reply
        • 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.

          Reply
  116. 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.

    Reply
    • 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

      Reply
      • 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. 🙂

        Reply
  117. 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

    Reply
    • 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

      Reply
  118. 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

    Reply
    • 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.

      Reply
  119. 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!

    Reply
  120. 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!!!

    Reply
    • 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

      Reply
  121. 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

    Reply
    • 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 🙂

      Reply
    • 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.

      Reply
  122. 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

    Reply
  123. 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…..

    Reply
  124. 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

    Reply
  125. 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!

    Reply
    • 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!

      Reply
  126. 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.

    Reply
    • 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. 🙂

      Reply
  127. 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.

    Reply
    • 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 🙂

      Reply
      • 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..

        Reply
  128. 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!

    Reply
  129. 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,,

    Reply
    • 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

      Reply
        • 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.

          Reply
      • 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

        Reply
      • 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?

        Reply
        • 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.

          Reply
      • 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

        Reply
        • 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

          Reply
          • can i ask po..pg kukuha s acquured assets ng pag ibig…pwd po long terms like 30years???ung appraisal price po ba nya tataas din po ba o ganun pa din po???baka po kasi ung appraisal price nya ay for cash lng po

        • 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 .. ,
          19 year old ako mgsimula mghulog at ngaun 21 n ako.. Kya SNA mtulongan nyo ako

          Reply
      • Hi 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?

        Reply

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