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Showing posts sorted by relevance for query PAG-IBIG. Sort by date Show all posts

Do you want to register as a Pag-IBIG member? Here's the easiest way to do it.



With today's technology, you can now easily finish most government transactions, like Pag-IBIG fund membership registration, online. That means there’s no need to travel to the nearest Pag-IBIG office and wait in line to register as a member.

Pag-IBIG Online Registration

It takes only a few minutes and several clicks to enroll as a Pag-IBIG member—a lot faster and more convenient than manual registration which you will learn in this guide.

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What is Pag-IBIG Online Registration?

Pag-IBIG online registration refers to the process of enrolling yourself as a Pag-IBIG Fund member through the Pag-IBIG website. It involves submitting your information, generating your Member’s Data Form (MDF), and getting your Pag-IBIG Membership ID (MID) Number through its Online Membership Registration facility.

Note that the Pag-IBIG online registration system is intended only for those enrolling as new members.



Who Should Register for Pag-IBIG Membership?


Mandatory Pag-IBIG Membership
Mandatory coverage under the Pag-IBIG Fund means membership is required for the following people:
  • Employees in the private sector (permanent, temporary, or provisional status) up to 60 years old
  • Government employees with GSIS coverage, regardless of appointment status
  • Self-employed individuals up to 60 years old earning at least ₱1,000 a month
  • Kasambahays (e.g., household helpers, cooks, drivers, gardeners, etc.) with a monthly salary of at least ₱1,000
  • Land-based and sea-based OFWs
  • Filipinos employed by foreign-based employers, whether deployed locally or abroad
  • Uniformed personnel (Philippine National Police, Armed Forces of the Philippines, Bureau of Fire Protection, etc.)
  • Expats up to 60 years old who are compulsorily covered by the SSS

If you don't belong to any groups that qualify for mandatory Pag-IBIG membership, you can still apply as a voluntary member.


Voluntary Pag-IBIG Membership
Registration with the Pag-IBIG Fund is optional for the following individuals aged 18 to 65:
  • Non-working spouse of registered Pag-IBIG members
  • Filipino employees of a foreign government or international organization
  • Employees of employers with a waiver or suspension of coverage by the Pag-IBIG Fund
  • Religious group leaders and members
  • Pensioners, investors, and other individuals with passive income or allowances
  • Public officials and employees without GSIS coverage (e.g., barangay officials, Sangguniang Kabataan members, etc.)



Pag-IBIG Membership Benefits

When you become a Pag-IBIG member, you can do the following:
  • Regularly save money for retirement and other financial goals through the Pag-IBIG Regular Savings Program and MP2 Program
  • Borrow funds for different purposes through its loans (Pag-IBIG housing loan, multi-purpose loan, and calamity loan) with low interest rates and long repayment terms
  • Enjoy discounts, rewards, and other perks at partner establishments through the Pag-IBIG Loyalty Card Plus



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Pag-IBIG Online Registration: How to Register Through Virtual Pag-IBIG

Pag-IBIG online registration is a quick and straightforward process. Here’s how you can access the Pag-IBIG online registration website on your smartphone, laptop, computer, or tablet.

  1. Go to the Pag-IBIG Fund website, hover your mouse over the E-Services tab on the menu, and click on Membership Registration. It will take you to the Online Membership Registration page.
  2. Alternatively, you can access the Pag-IBIG online registration website by going to the Virtual Pag-IBIG site and clicking Be a Member. Click Continue to proceed to the Online Membership Registration page.
  3. You can also proceed directly to the page at www.pagibigfundservices.com/PubReg/Starter_Page.aspx.


If you don’t have a Pag-IBIG membership yet, just follow these Pag-IBIG online application steps: 
  1. Fill out the online form by entering your last name, first name, middle name (tick the box if there’s no middle name), and date of birth (following the mm/dd/yy format).
  2. Input the CAPTCHA code and click the Submit button.
  3. Complete the online membership registration form by supplying your personal details, address, and contact information. You’ll also need to provide your list of heirs (optional), member category, and employment history (if applicable).
  4. After completing the Pag-IBIG membership online form, click the Submit Registration button.
  5. The Successful Registration page will appear. Take note of your Registration Tracking Number. Click the Print MDF button to print or save your enrollment form.
  6. After two working days, you can verify your permanent Pag-IBIG ID number by visiting the Pag-IBIG Membership ID (MID) Number Inquiry page. After which, employed members should submit it to their employer as part of the Pag-IBIG online registration for new employees.


ACTIVITIES AND TOURS IN MANILA


Pag-IBIG Online Registration FAQs


What are the Pag-IBIG online application requirements?
There’s no need to submit anything to the Pag-IBIG Fund for your online membership application. The Pag-IBIG Fund doesn't require documents for those who use the Pag-IBIG online registration system.

However, you should have a copy of your birth certificate on hand. You'll refer to this document when filling out the Pag-IBIG membership form online. The personal information (such as birth date, mother's maiden name, etc.) you provide for your Pag-IBIG online registration should match the data on your birth certificate.


How can I get my Pag-IBIG registration number online?
Your Pag-IBIG Registration Tracking Number (RTN) will be generated when you complete your Pag-IBIG online registration form. It will be displayed after you click the Submit button. Take a screenshot or print and download the page for your reference.


How to verify my Pag-IBIG MID Number
You can verify your Pag-IBIG number by going to the Virtual Pag-IBIG website. Click on Be a Member and then Verify MID No. Enter your Registration Tracking Number, last name, and date of birth, and then click Submit. It will display your Pag-IBIG MID number.



How to create and log in to Pag-IBIG online account?
If you need to avail of a Pag-IBIG service online, like checking your loan or savings records or contributing to MP2, use the Virtual Pag-IBIG portal.

Virtual Pag-IBIG offers three options for creating an online account: through the member's Pag-IBIG Loyalty Card Plus, account activation at the nearest Pag-IBIG branch, and a separate account creation method for OFWs.


Pag-IBIG Online Registration: Step-by-step Guide for Employed and Voluntary Memberships


Maybe you have already heard about Pag-IBIG MP2 Savings but you are still unsure if you wanted to enroll for it. No worries, in this guide, you will learn about PAG-IBIG Fund's MP2, how it works and how to apply for it.



Similar to investing in mutual funds, Modified Pag-IBIG II famously known as MP2, allows members to save money and earn high dividends in addition to their regular savings. Compared to the regular PAG-IBIG savings, the MP2 program lets members have access to funds for as early as five years.

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What is PAG-IBIG MP2?

The Modified Pag-IBIG II (Pag-IBIG MP2) Savings Program is a special voluntary savings facility with a 5-year maturity, designed for active Pag-IBIG Fund members who wish to save more and earn higher dividends, in addition to their Pag-IBIG Regular Savings.


Pag-IBIG MP2 Savings Benefits

The MP2 program makes saving and investing money easy, affordable, and profitable for Filipinos. If you're not sure whether to open an MP2 account, check out some basic information about the savings program:

  • Budget-friendly investment - For as low as ₱500 monthly, you can invest in MP2. No penalties if you miss a contribution for certain months (though it's best to regularly remit your MP2 contributions).

  • Government-guaranteed savings - You won't lose your principal since the Philippine government guarantees it.

  • Tax-free dividends - Receive your MP2 dividends without tax deductions either every year or in five years.

  • Up to 6% annual dividend rate - The Pag-IBIG MP2 interest rate is higher than the regular Pag-IBIG savings program and even those of bank accounts, time deposits, and other investment vehicles.

  • No limit to the amount you can save - Remit as much money into your MP2 account as your budget allows. For one-time payments exceeding ₱500,000, a personal/manager's check is required.

  • Multiple MP2 savings accounts - You can open as many MP2 accounts as you'd like. This is ideal if you're saving money for different goals, like emergencies, tuition, travel, retirement, etc.

  • Five-year maturity period - Your MP2 savings will mature in five years, after which you can withdraw your money. This makes the MP2 savings program ideal for medium-term investment goals.





PAG-IBIG MP2 Computation

Since dividend earnings under PAG-IBIG's MP2 program are free, members will receive the full amount without paying the final 20% withholding tax. To compute your MP2 dividend, just multiply the dividend rate for the year by your monthly balance.

Here’s the formula: Dividend = Dividend rate x Average monthly balance. Note that PAG-IBIG usually announces the dividend rate during the first or second quarter of the following year through its official website.



Who Can Invest Under PAG-IBIG MP2?


You qualify for the MP2 savings program if you belong to any of the following groups:

  • Active Pag-IBIG Fund members with at least one monthly Pag-IBIG contribution within the last six months

  • Former Pag-IBIG members with other sources of monthly income and at least 24 monthly Pag-IBIG contributions

  • Pensioners, regardless of age, with at least 24 monthly Pag-IBIG contributions before retirement

  • Natural-born Filipinos who reacquired their Filipino citizenship, with at least 24 monthly Pag-IBIG contributions

  • Inactive members who have stopped paying Pag-IBIG contributions may enroll in MP2 by resuming their payments until they reach the minimum 24-monthly contribution requirement.

Not registered with the Pag-IBIG Fund yet? You can register online as a Pag-IBIG member and pay contributions for at least 24 months before opening an MP2 savings account.



How to Apply for Pag-IBIG MP2

You can apply for the MP2 savings program online or in person at a Pag-IBIG Fund office.


MP2 Online Enrollment Procedure


Here are the steps to applying for the MP2 savings program online:

  1. Visit the Modified Pag-IBIG II Enrollment page at www.pagibigfundservices.com/MP2Enrollment.

  2. Enter your Pag-IBIG Membership ID (MID) number, last name, first name, and birthdate (MM/DD/YYYY).

  3. Type the CAPTCHA code.

  4. Click the Submit button.

  5. In the Desired Monthly Contribution field, enter the amount you wish to remit every month for your MP2 savings.

  6. Select your preferred option from the following dropdown menus:

    • Preferred Dividend Payout: Whether you'd like to receive your MP2 dividends every year or by the end of the five-year term

    • Mode of Payment: Whether you prefer to pay your MP2 contributions through salary deduction, over-the-counter at any Pag-IBIG branch, or through any Pag-IBIG Fund-accredited collecting partners

    • Source of Funds: Your main income source where your MP2 payments will come from

  7. Click the Submit button.

  8. Your completed Modified Pag-IBIG II Enrollment Form will be displayed, which contains your 12-digit MP2 savings account number. You may save this form as a PDF file or print it.



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MP2 Manual Enrollment Procedure

If you have other transactions you need to complete at the nearest Pag-IBIG office, then you might as well open your MP2 savings account there. Make sure to check the Pag-IBIG office's operating hours as they can change anytime.


Pag-IBIG MP2 Requirements

Simply submit the following documents for your MP2 application:

  1. Valid ID
  2. Accomplished Modified Pag-IBIG II Enrollment Form
  3. ATM card or passbook of your bank account where you'd like to receive your MP2 savings and dividends



How to Invest in the MP2 Program

As soon as you're done with your MP2 enrollment, you can start saving under the investment program. You can either make a one-time lump sum payment or a monthly contribution of smaller amounts to your MP2 savings account.


Modes of Payment

There are three major ways to pay your MP2 contribution:

  • Salary deduction by your employer
  • Personally at any Pag-IBIG branch
  • Or through any accredited collection partner

For employees, the best Pag-IBIG MP2 mode of payment is through salary deduction, as MP2 savings are automatically deducted from the salary and remitted to the MP2 account.

For freelancers, entrepreneurs, and unemployed Pag-IBIG members, the most convenient payment mode is through third-party payment channels, especially online facilities.



ACTIVITIES AND TOURS IN MANILA


Where to Pay Your MP2 Contributions

Over-the-Counter Payment Centers:

  • Bayad Center
  • ECPay
  • M. Lhuillier
  • SM Business Centers, including Savemore and SM Hypermarket bills payment counters

Online Payment Channels:


Whatever online payment facility you use, choose Modified Pag-IBIG 2 as your payment type and provide your MP2 account number.


How Can I Check My MP2 Online?

You may monitor your posted MP2 contributions through Virtual Pag-IBIG. But before you can do that, you have to create a Virtual Pag-IBIG account first.

Virtual Pag-IBIG

After your Virtual Pag-IBIG account is activated, you can already verify your MP2 savings online. Here's how:

  1. Log in to your Virtual Pag-IBIG account.

  2. On the left menu, select MP2 Savings under the Products tab.

  3. View your MP2 contribution payments on the screen.


MP2 Savings Program FAQs


1. How much is the Pag-IBIG MP2 contribution?
The minimum amount you can save in your MP2 account is ₱500 per month. This makes Pag-IBIG's savings program one of the most affordable for Filipinos who want to start investing small.


2. Where are contributions invested?
MP2 contributions paid by Pag-IBIG members are invested in Pag-IBIG housing loans (which earn interest paid by member-borrowers), government securities, and corporate bonds. Investing money in fixed securities makes the MP2 a less risky investment compared to stocks and other high-risk instruments.


3. How much dividends will I earn from my MP2 savings?
The annual MP2 dividends you'll receive will depend on the dividend rate set by Pag-IBIG for a particular year during your investment term. The annual rates vary depending on Pag-IBIG Fund’s financial performance and other factors.

According to a sample MP2 computation at the Pag-IBIG website, if you've been saving ₱500 from 2020 to 2024, you're likely to receive a total dividend of ₱5,718.75 (if you chose to get your dividends annually). Your total dividend will be higher (₱6,266.14) if you opt to get paid the lump sum after your MP2 account's five-year term.


4. What is the interest rate of MP2 in Pag-IBIG for 2022?
The final MP2 dividend rate for 2022 hasn't been announced yet as of this writing. But for 2021, it was 6%.


5. How will I receive my MP2 dividends?
You can claim your MP2 Savings after its five-year maturity through the Virtual Pag-IBIG facility. You can also claim it in person. Fill out the Application for Provident Benefits form[8] and submit it to the nearest Pag-IBIG Fund branch.


6. Can I withdraw my MP2 savings before its maturity?
Ideally, like in other investments, it's best to just let the funds in your MP2 account grow until your account matures. This way, you get to maximize your profits.

However, an unfortunate life situation might make withdrawing your MP2 savings necessary. The Pag-IBIG Fund allows early withdrawal under any of the following scenarios:

  • Total disability or insanity
  • Termination from employment due to health reasons
  • Death/critical illness of the MP2 account holder or an immediate family member
  • Retirement
  • Migration to another country
  • Unemployment due to layoff or company closure
  • OFW repatriation from the host country

You may withdraw your savings for a reason other than those allowed by Pag-IBIG. But you'll only receive half of the total dividend earned (if you chose to receive dividends after five years) or only your contributions (if you chose the annual dividend payout option).


7. Can I enroll a new MP2 savings account after maturity?
Yes, you can open new MP2 savings accounts once your existing account matures. This is a good strategy if you wish to invest your money in the long term, like for retirement.


8. What will happen if I don't claim my dividends?
Unclaimed MP2 savings after the five-year maturity will keep on earning dividends (based on the dividend rates of the Pag-IBIG Regular Savings Program). After two years, it will no longer earn dividends. You should just withdraw your contributions.


Pag-IBIG MP2 Guide: How to Apply and Invest in MP2 Savings Program


Here's all you need to know about Pag-IBIG Salary Loan.



Good news! Pag-IBIG Fund extended its loan term from two to three years, so borrowers can take advantage of this Pag-IBIG loan to cover financial emergencies and other urgent expenses. 

Interested in applying? Here’s what you need to know about the Pag-IBIG Multi-Purpose Loan, also known as the Pag-IBIG Salary Loan.



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HELPFUL ITEMS YOU CAN USE TO SAVE MONEY!

Here's my list of useful items for you to save or earn money wisely:

Shopee is my go-to app for things I needed like the ones above. If you'd like discounts and vouchers, you may get the best offers here:

What is a Pag-IBIG Multi-Purpose Loan?


The Pag-IBIG Multi-Purpose Loan is a cash assistance program every Pag-IBIG member can avail of. If you’re a qualified member, you can borrow up to 80% of your Pag-IBIG regular savings and have your loan processed in as fast as two days.

Since this is a multi-purpose loan, you can use it to pay for the following:

  • Home improvement
  • Business capital
  • Medical expenses
  • Education-related expenses like tuition and miscellaneous fees
  • Home appliances and furniture
  • Utility bills
  • Credit card balances
  • Travel
  • Special events




How to Compute Pag-IBIG Multi-Purpose Loan Amount


How much is the first salary loan in Pag-IBIG? Calculations for the Pag-IBIG Multi-Purpose Loan amount are made according to the individual's membership term, multiplied by their monthly contribution. From there, a 60% loan factor is applied.

For example, an individual who has been a Pag-IBIG member for 24 months can only loan ₱2,880. The computation is as follows:

24 months (total Pag-IBIG membership contribution) x ₱200 (monthly contribution) x .60

The amount you can loan increases as your monthly contributions increase, and so does the loan factor. An employee who has made contributions for 120 months or more can take out a loan at an 80% factor.




Pag-IBIG Multi-Purpose Loan Eligibility


To qualify for a Pag-IBIG Multi-Purpose Loan, Pag-IBIG Fund members need to meet the following requirements:

  • Have a total Pag-IBIG Fund savings of ₱4,800 or at least 24 monthly Membership Savings (MS)
  • Have made at least one Membership Savings within the last six months, as of the month prior to the date of loan application
  • With sufficient proof of income
  • Account must not be in default if with an existing Pag-IBIG Housing Loan, Multi-Purpose Loan and/or Calamity Loan


Pag-IBIG Multi-Purpose Loan Requirements


  • Photocopies of two valid photos and two signature-bearing IDs
  • Latest payslips equivalent to a month’s wage
  • An accomplished Pag-IBIG Multi-Purpose Loan Application form



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How to Apply for a Multi-Purpose Loan in Pag-IBIG


If you’re eligible and with complete loan requirements, submit your documents to your HR department and coordinate your application with them. 

For self-employed members, visit a Pag-IBIG branch near you and have your documents processed for approval.

You can also apply for loan renewal later, though it will require six months’ worth of payments toward your existing loan plus the outstanding balance with accumulated interest. Penalties and charges will be deducted from the new amount you take out.



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How Can I Apply for a Pag-IBIG Multi-Purpose Loan Online? 


You can apply for a Pag-IBIG Multi-Purpose Loan and other short-term loans using the Virtual Pag-IBIG platform. Take note that getting a Virtual Pag-IBIG Multi-Purpose Loan is available only to members who meet the following conditions:

  • Have a Pag-IBIG Loyalty Card Plus or;

  • Have a Cash Card issued by Pag-IBIG Fund partner banks

  • Works for an employer with a Virtual Pag-IBIG for Employers Account


Can I Apply for a Pag-IBIG Salary Loan Online If I’m Self-Employed? 


Yes, self-employed members with a Pag-IBIG Loyalty Card Plus card or Cash Card can also apply online by uploading the completed loan application form and other requirements.


Pag-IBIG Multi-Purpose Loan Term and Modes of Release


When you receive approval for your Pag-IBIG Multi-Purpose Loan application, you may choose from any of the following modes of loan release:

  • Crediting to your disbursement card
  • Check issuance
  • Bank transfer through Land Bank, DBP, or UCPB cash card
  • Loan issuance to your Pag-IBIG Loyalty Card Plus


Where to Pay Your Pag-IBIG Multi-Purpose Loan


You should pay your loan on time to avoid debt and high interest rates. Borrowers can now pay their Pag-IBIG Multi-Purpose Loan over an extended payment term of three years. They now have more time to pay off their loans and make their monthly payments lower. 

Employed members can pay for their loan through salary deduction, while individual payers or voluntary members can pay their voluntary contributions through a Pag-IBIG office or these payment channels:

  • Bayad Center
  • AUB (over-the-counter)
  • Debit and credit cards (Visa, Mastercard, and JCB)
  • Maya
  • Coins.ph
  • AUB Online Banking / Mobile Banking
  • Hello Money / Hello Pag-IBIG Mobile App



How can I check the status of my loan application?


You can check your Multi-Purpose Loan application status via the Virtual Pag-IBIG Loan Status Verification page. Choose Multi-Purpose Loan from the dropdown box and enter your Pag-IBIG MID number and last name. You'll see the Short-Term Loan Status Tracker. View whether your application has already been received, reviewed, and approved.



When can I renew my Pag-IBIG Multi-Purpose Loan?


You can renew your multi-purpose loan after paying an amount equivalent to six monthly installments. However, you may also need to check if you’re eligible for renewal. But once your renewal application is approved, your remaining balance from your existing loan will be deducted from your new loan. 

If you are looking for low-interest loans, here's my list of Personal Loans With the Lowest Interest Rates in the Philippines.



Other Pag-IBIG Fund Members Benefits


Pag-IBIG Multi-Purpose Loan: Application, Requirements, Eligibility & Computation


Here's are the benefits you can get from being a Pag-IBIG member.



The Pag-IBIG fund is known for its affordable housing loans. It allows members to get their dream house without having to pay hefty interest rates. However, did you know that there are other Pag-IBIG benefits you can claim? Here are the 7 Pag-IBIG Membership Benefits you should know, too!

RELATED: You Can Now Register as a Pag-IBIG Member Online!

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Shopee is my go-to app for things I needed like the ones above. If you'd like discounts and vouchers, you may get the best offers here:

1. Pag-IBIG Savings Program

One of the many Pag-IBIG benefits you can get is a savings facility that serves as Pag-IBIG contribution benefits. This is where your monthly contributions go. If you’re an employed Pag-IBIG member, your monthly savings is immediately doubled. It will also grow with more dividends annually. You can earn more dividends by increasing your monthly Pag-IBIG contribution.


How to Claim Pag-IBIG Savings
You can withdraw your Pag-IBIG regular savings if any of the following occurs:
  • Membership maturity after 20 years or 240 months of contribution
  • Retirement at 60 years old (optional) or 65 years old (mandatory)
  • Separation from service due to health reasons
  • Total disability or insanity
  • Permanent departure from the country
  • Upon death, with legal heirs receiving the savings in addition to death benefit
  • Critical illness of the member or their immediate family member



2. Pag-IBIG MP2 Program

The Pag-IBIG MP2 program is a voluntary savings facility for active or former Pag-IBIG members who wish to earn even higher annual dividends. You can enroll in this Pag-IBIG savings program even if you already have a regular Pag-IBIG savings membership. MP2 has a minimum savings amount of PHP 500.

Your Pag-IBIG mutual fund investment earns tax-free dividends at a rate higher than the dividend rate of the regular programs. These dividends are from 70% of the Pag-IBIG Fund’s annual net income.


How to Claim Pag-IBIG MP2 Earnings
You can receive Pag-IBIG MP2 earnings by:
  • After its five-year maturity period with MP2 dividends compounded annually
  • Through annual pay-out. Your dividends are credited to your savings or checking account enrolled in a Pag-IBIG accredited banks



3. Pag-IBIG Loyalty Card Plus

One of the many Pag-IBIG benefits you should know is the Pag-IBIG Loyalty Card Plus. Launched in 2014, the Pag-IBIG Loyalty Card program provides additional services and perks to its members. You can enjoy discounts and rewards in more than 300 Pag-IBIG partner establishments.


How to Apply for Pag-IBIG Loyalty Card Plus
Here are the steps to apply for a Pag-IBIG Loyalty Card Plus:
  1. Visit the nearest Pag-IBIG branch.
  2. Provide your membership number to be validated by a Pag-IBIG personnel.
  3. Fill out the application form and pay PHP 125 for the card fee.
  4. Have your picture taken and fingerprints scanned.
  5. Once all information is validated, you may claim your Loyalty Card Plus and PIN Mailer.


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4. Pag-IBIG Housing Loans

The agency is known to offer housing loans to its contributing members. Pag-IBIG, however, offers two housing loan programs—the Affordable Housing Loan (AHP) for Minimum Wage Earners and the End-User Home Financing Program (EUF).


Affordable Housing Loan (AHP)
  • Loan amount: Up to PHP 750,000
  • Interest rate: 3% per annum

End-User Home Financing Program (EUF)
  • Loan amount: Up to PHP 6 million
  • Interest rate: 5.5% per annum

Learn more about Pag-IBIG Housing Loans.


5. Pag-IBIG Salary Loan

Do you know that Pag-IBIG also offers a salary loan? Also known as the Pag-IBIG multi-purpose loan, this Pag-IBIG benefit is a short-term loan you can use to fund a home renovation, bills payments, tuition and many other loan purposes. You can borrow up to 80% of your total Pag-IBIG Savings, payable in 24 months.


Salary Loan Requirements:
  • Must be an active member with at least 24 months of contribution
  • Multi-Purpose Loan application form
  • Two valid IDs



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6. Pag-IBIG Provident Benefits

As a contributing member, you can get your Pag-IBIG savings upon retirement at age 60 (optional) or 65 (mandatory). You can also claim for provident benefits if you’re at least 45 years old. However, your contributions must be equal to 20 years or 240 months to be eligible.


Provident Benefits Requirements:
  • Must be between 45 to 65 years old
  • At least 20 years or 240 months of contribution
  • Provident Benefits (APB) Claim form
  • Two valid IDs
  • PSA birth certificate
  • SSS or GSIS retirement voucher
  • Notarized Certificate of Early Retirement (for private employees aged 45 to 65)
  • Order of Retirement, Updated Statement of Service, and State of Last Payment (for Navy, Army, and AFP members)


7. Pag-IBIG Death Benefits

If you are a legal heir or beneficiary of a deceased Pag-IBIG member, you can claim for death benefits if the member did not claim their savings benefits when they were still alive. Pag-IBIG doesn’t offer funeral or burial benefits, unlike SSS, where death benefits and retirement benefits are separate.


Death Benefits Requirements:
  • Death Certificate of member issued by PSA
  • Notarized Proof of Surviving Legal Heirs
  • Certificate of No Marriage (CENOMAR), if applicable
  • Marriage Contract, if applicable
  • Notarized Affidavit of Guardianship
  • Other documents that may be required


Knowing about Pag-IBIG benefits can help you maximize your membership. Aside from a mortgage, you can get a calamity or multi-purpose loan from the agency. You may also get provident or retirement benefits if you’re at least 45 years old.

7 Pag-IBIG Benefits You Should Know!


Here's your complete guide for Pag-IBIG Loyalty Card application.



What is Pag-IBIG Loyalty Card

The Pag-IBIG Loyalty Card, officially known as the "Pag-IBIG Fund Loyalty Card Plus," is a special card offered by the Pag-IBIG Fund (Home Development Mutual Fund) in the Philippines. The Pag-IBIG Fund is a government agency that provides various benefits and services related to housing, savings, and short-term loans for Filipino workers.

Sample of Pag-IBIG Loyalty Card Plus

The Loyalty Card is designed to offer additional benefits and privileges to Pag-IBIG members, enhancing their overall welfare and financial well-being.

Learn more Pag-IBIG Members Benefits.


Pag-IBIG Loyalty Card Application

Applying for a Pag-IBIG Loyalty Card involves several steps, and the process may vary depending on the specific requirements and procedures of your local Pag-IBIG branch.

Here's a general guide on how to apply for a Pag-IBIG Loyalty Card:

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HELPFUL ITEMS YOU CAN USE TO SAVE MONEY!

Here's my list of useful items for you to save or earn money wisely:

Shopee is my go-to app for things I needed like the ones above. If you'd like discounts and vouchers, you may get the best offers here:

1. Check Eligibility

Ensure that you are eligible to apply for a Pag-IBIG Loyalty Card. Generally, active Pag-IBIG Fund members who have made at least 24 monthly contributions are eligible to apply.


2. Gather Required Documents

Prepare the necessary documents, which may include your valid government-issued ID (e.g., passport, driver's license, or any government ID with photo and signature) and your Pag-IBIG MID (Membership Identification) Number. Some branches might require additional documents, so it's best to check with your local Pag-IBIG office for specific requirements.



3. Visit Your Local Pag-IBIG Branch

Go to your nearest Pag-IBIG branch. You can find the list of branches and their contact information on the Pag-IBIG Fund website. Inform the staff that you're applying for a Pag-IBIG Loyalty Card.


4. Fill Out Application Form

Fill out the Pag-IBIG Loyalty Card application form provided by the branch. Provide accurate and complete information as required.



5. Submit Required Documents

Present your valid government-issued ID and your Pag-IBIG MID Number. The staff will verify your membership and process your application.


6. Pay the Fee (if applicable)

Some branches may require a fee for the Loyalty Card. If there's a fee, pay it at the designated payment counter of the branch. Keep the payment receipt.


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7. Biometrics and Photo Capture

After submitting your application and paying the fee (if applicable), you may need to undergo biometrics data capture, including your photo and fingerprints. This step is to ensure that the card is securely linked to your identity.


8. Receive Your Pag-IBIG Loyalty Card

Once your application is processed and approved, you will receive your Pag-IBIG Loyalty Card. The time it takes to receive the card may vary, so ask the branch for an estimated timeframe.


Remember that specific procedures, requirements, and fees can differ from branch to branch. It's a good idea to contact your local Pag-IBIG office or visit their official website to get the most accurate and up-to-date information on how to apply for the Pag-IBIG Loyalty Card in your area.

If you are looking for low-interest loans, here's my list of Personal Loans With the Lowest Interest Rates in the Philippines.



ACTIVITIES AND TOURS IN MANILA


Other Pag-IBIG Fund Members Benefits

Pag-IBIG Loyalty Card Application Guide (Requirements & Benefits)


Need to process or pay for your HDMF? Here's a list of Pag-IBIG branches for you.



Many Filipinos long to have their own home. Fortunately, for most of us, we can turn this dream into a reality with the help of the Home Development Mutual Fund (HDMF), commonly known as the Pag-IBIG fund. It's nice that there's a Pag-IBIG branch near me!

In this guide, I list all PAG-IBIG Fund Branches in Metro Manila.

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Here are all PAG-IBIG branches in Metro Manila (in alphabetical order):


Pag-IBIG Fund - Ali Mall MSO

Address: 3rd Floor Ali Mall, Araneta Center, Cubao, Quezon City
(02) 8-422-3000
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - Binondo Branch

Address: 3rd flr. Lucky China Town, annex B (City Place Square) Calle Felipe cor. LaChambre, Brgy. 293 Zone 28 Binondo Manila
Landline Number: 8422-3000 loc 6024
Email Address: binondo@pagibigfund.gov.ph


Pag-IBIG Fund - EDSA Caloocan Branch

Address: Puritan Philippines, Inc. (PPI) Building 355 EDSA cor Gen. Tirona Street, Bagong Bario, Caloocan City
Landline Number: (02) 8-422-3000
Email Address: caloocan@pagibigfund.gov.ph


Pag-IBIG Fund - Commonwealth Ave. Branch

LGF Diliman Commercial Center, Commonwealth Ave.,Batasan Hills, Quezon City
Landline Number: (02) 8-422-3000
Email Address: commonwealth@pagibigfund.gov.ph


Pag-IBIG Fund - Cubao Branch

Address: 2nd Level Spark Place Building P. Tuazon corner 10th Avenue Brgy. Socorro, Cubao, Quezon City
Landline Number: (02) 8-422-3000
Email Address: cubao@pagibigfund.gov.ph


Pag-IBIG Fund - Cubao Technical and Administrative Support

Address: 145 Union Square Condominium Carpark Building 15th Avenue, Cubao Quezon City 1109
Landline Numbers: (02) 8-422-3000 local 3372
Email Address: ncrnorth.tas@pagibigfund.gov.ph; ncreast.tas@pagibigfund.gov.ph




Pag-IBIG Fund - Duty Free MSO

Address: NAIA Terminal 1, Paranaque City
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - GMA Kamuning Branch

Address: 795, Anchor Center EDSA, Quezon City
Landline Number: (02) 8-422-3000
Email Address: kamias@pagibigfund.gov.ph


Pag-IBIG Fund - Guadalupe - EDSA Branch

Address: 2nd Flr. Guadalupe Commercial Complex No. 9, EDSA-Guadalupe, Makati City
Landline Numbers: (02) 8-422-3000 local 5860
Email Address: guadalupe@pagibigfund.gov.ph


Pag-IBIG Fund - Intramuros Branch

Address: Palacio del Gobernador Condominium, A. Soriano Ave., cor. General Luna St., Intramuros, Manila
Landline Numbers: 8422-3000 loc 6025
Email Address: manila@pagibigfund.gov.ph


Pag-IBIG Fund - Las Piñas - Robinsons Place Branch

Address: Robinsons Place Las Piñas, 345 Alabang-Zapote Road, Brgy. Talon Uno, Las Piñas City
Landline Numbers: (02) 8-422-3000 local 5972
Email Address: laspinas@pagibigfund.gov.ph


Pag-IBIG Fund - Paseo de Roxas Branch

Address: 10th Flr. Sycip Law Office Bldg., #105 Paseo De Roxas, Makati City
Landline Numbers: (02) 8-422-3000 local 5800
Email Address: paseoderoxas@pagibigfund.gov.ph


Pag-IBIG Fund - Makati-Jupiter Branch

Address: 3rd Flr., Metro House Bldg., #345 Sen. Gil Puyat Avenue, Makati City
Landline Number: (02) 8-422-3000 local 5850
Email Address: jupiter.ms@pagibigfund.gov.ph



Pag-IBIG Fund - Makati Central Business District

Address: 27th Floor The World Centre Building, # 330 Sen. Gil J. Puyat Avenue, Makati City
Landline Numbers: (02) 8-422-3000 local 3278
Email Address: makati1@pagibigfund.gov.ph, makati2@pagibigfund.gov.ph, makati3@pagibigfund.gov.ph



Pag-IBIG Fund - Makati - JP Rizal Branch

Address: 4th Flr. KBC Bldg., 353 J. P. Rizal St. Brgy. Olympia, Makati City
Landline Numbers: (02) 8-422-3000 local 5826
Email Address: jprizal@pagibigfund.gov.ph


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Pag-IBIG Fund - Magallanes – Southgate Mall

Address: 2nd Floor, Alphaland Southgate Mall Chino Roces Avenue Makati City
Landline Numbers: (02) 8-422-3000 local 5822
Email Address: magallanessouthgate.pacd@pagibigfund.gov.ph



Pag-IBIG Fund - Malabon Branch

Address: 4F, Malabon Citisquare Mall, C3 Road cor. Dagat-dagatan Ave., Longos, Malabon City
Landline Number: (02) 8-422-3000
Email Address: contactus@pagibigfund.gov.ph



Pag-IBIG Fund - Mandaluyong - Shaw Zentrum Branch

Address: 500 Shaw Zentrum, Shaw Boulevard, Mandaluyong City
Landline Number: (02) 8-422-3000
Email Address: mandaluyong_branch@pagibigfund.gov.ph


Pag-IBIG Fund - Marikina Branch

Address: 2/F, Graceland Plaza, Sta. Teresita Village, J.P. Rizal St., Malanday, Marikina
Landline Number: (02) 8-422-3000
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - Muntinlupa Branch

Address: 3rd Floor, ARCS1 Sycamore Building, Buencamino St. cor Alabang-Zapote Road, Alabang, Muntinlupa City
Landline Numbers: (02) 8-422-3000 local 5909; (02) 8556-5169
Email Address: muntinlupa@pagibigfund.gov.ph


Pag-IBIG Fund - Muntinlupa - Putatan Service Desk

Address: BPLO City Service National Road Putatan Muntinlupa
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - Novaliches - Susano Complex MSO

Address: 2nd Floor Susana Complex, No. 1 Dumalay St. cor Quirino Highway Brgy. Sta. Monica, Novaliches, Quezon City
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - Outside Makati Central Business District

Address: 27th Floor The World Centre Building, # 330 Sen. Gil J. Puyat Avenue, Makati City
Landline Numbers: (02) 8-422-3000 local 3343
Email Address: makati1@pagibigfund.gov.ph, makati2@pagibigfund.gov.ph, makati3@pagibigfund.gov.ph




Pag-IBIG Fund - Petron Mega Plaza Branch

Address: Showroom B Ground Flr., # 358 Sen. Gil J. Puyat Avenue, Makati City Petron Mega Plaza Building
Landline Numbers: (02) 8-422-3000 local 5867
Email Address: petronmegaplaza@pagibigfund.gov.ph



Pag-IBIG Fund - Paranaque Branch

Address: Lot 2-1-C-A Dr. Arcadio Santos Ave Brgy BF Homes Parañaque City NCR
Landline Numbers: 8422-3000 loc. 5919
Email Address: paranaque@pagibigfund.gov.ph



Pag-IBIG Fund - Pasay Branch

Address: Ground Flr. Roxas Strip Building Libertad cor. Roxas Boulevard, Pasay City
Landline Numbers: 8422-3000 loc. 5769, (02) 8-552-1162-63, (02) 8-552-1165
Email Address: pasay@pagibigfund.gov.ph


Pag-IBIG Fund - Pasig Branch

Address: 611 Westar Building Shaw Boulevard, Pasig City
Landline Numbers: (02) 8-422-3000 local 5524
Email Address: ortigas@pagibigfund.gov.ph


Pag-IBIG Fund - PIOG-POEA Satellite Office

Address: OFW Center II-POEA Satellite Office, POEA-Building Lobby, Blas F. Ople Building, Ortigas Avenue cor. EDSA, Mandaluyong City
Landline Number: (02) 8-422-3000
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - Quezon Avenue Branch

Address: 1184 Ben-Lor Buliding, Quezon Avenue, Quezon City
Landline Number: (02) 8-708-5615
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - Robinsons Galleria MSO

Address: Level 1 West Lane Robinsons Galleria EDSA cor. Ortigas Avenue, Quezon City
Landline Number: (02) 8-422-3000
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - Robinsons Metro East Service desk

Address: 4th floor Robinsons Mall Metro East Marcos Highway, Brgy. Dela Paz, Pasig City
Landline Numbers: (02) 422-3000 local 5556
Email Address: antipolo@pagibigfund.gov.ph


Pag-IBIG Fund - Robinsons Novaliches MSO

Address: 3rd Floor Robinsons Land Corp. Quirino Highway Brgy. Pasong Putik, Novaliches, Quezon City
Landline Number: (02) 8-921-7659
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - Robinsons Place Manila MSO

Address: Government Office Basement Robinsons Place, Pedro Gil St, Malate, Manila
Landline Number: (02) 8-422-3000 local 6048
Email Address: manila@pagibigfund.gov.ph


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Pag-IBIG Fund - Robinsons Town Mall MSO

Address: 2nd Floor Robinsons Town Mall Malabon Working Area No. 5 Gov. Pascual Avenue corner Crispin Street, Tinajeros, Malabon City
Landline Number: (02) 8-364-8287
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - San Juan Branch

Address: 338 City Center Bldg., Ortigas Ave., Greenhills, San Juan City
Landline Number: (02) 8-422-3000
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - SM Aura Branch

Address: 7/F SM Aura, Tower Bldg, 26th St. Cor. Mckinley Parkway, Fort Bonifacio Global City, Taguig
Landline Numbers: (02) 8-422-3000 local 5913
Email Address: smaura@pagibigfund.gov.ph


Pag-IBIG Fund - SM Mall of Asia MSO

Address: SM Mall of Asia Pasay City NCR
Landline Numbers: (02) 422-3000 local 5770
Email Address: pasay@pagibigfund.gov.ph


Pag-IBIG Fund - SM Manila MSO

Address: 5th Floor SM City Manila, Ermita Manila
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - SM North EDSA MSO

Address: Government Services Center Annex Lower Ground EDSA cor North Ave Misamis st. Bago Bantay Quezon City
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - Sta. Mesa Branch

Address: G/F J & T Building, 3894 Ramon Magsaysay Boulevard, Sta. Mesa, Manila City
Landline Numbers: (02) 8-422-3000 loc 6021, (02)8775-7538, (02)8775-7479,
PLDT telefax: (02)8253-2231
Email Address: stamesa@pagibigfund.gov.ph


Pag-IBIG Fund - Taguig - Gate 3 Plaza Branch

Address: 3rd Flr. Gate 3 Plaza Lawton Ave., Juliano Ave., Phase III, AFPOVAI, Western Bicutan, Taguig City
Landline Number: (02) 8-422-3000 local 5823
Email Address: taguiggate3@pagibigfund.gov.ph


Pag-IBIG Fund - Trinoma MSO

Address: Ayala Malls TriNoma, North Avenue, Quezon City
Email Address: contactus@pagibigfund.gov.ph


Pag-IBIG Fund - Valenzuela Branch

Address: 286 ARCA North Center, McArthur Highway, Brgy. Karuhatan, Valenzuela City
Landline Number: (02) 8-422-3000
Email Address: contactus@pagibigfund.gov.ph


ACTIVITIES AND TOURS IN MANILA


About Pag-IBIG Fund

The Home Development Mutual Fund (HDMF), commonly known as the Pag-IBIG ( Pagtutulungan sa Kinabukasan, Ikaw, Bangko, Industriya at Gobyerno) Fund, is a government-owned and controlled corporation under the Department of Human Settlements and Urban Development of the Philippines responsible for the administration of the national savings program and affordable shelter financing for Filipinos.


Pag-IBIG Fund Office Hours & Schedule

Most of the Pag-IBIG Fund branches (if not all) operates between 8am to 5pm from Monday-Friday.

When you’re visiting a for a Pag-IBIG Fund Office, casual attire is usually appropriate. It is always important to be tidy when you visit to process your Pag-IBIG Fund transaction.


Know more About Pag-IBIG Fund

List of PAG-IBIG Fund Branches in Metro Manila (Location, Hours and Contact Details)

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