In this guide
- Eligibility requirements
- Loan amounts and rates
- Required documents
- Application process
Eligibility requirements
You must be an active Pag-IBIG member with at least 24 monthly contributions, not more than 65 years old at the date of application, with the legal capacity to acquire property, and have no outstanding Pag-IBIG housing loan in default.
Loan amounts and rates
Pag-IBIG offers loans up to ₱6 million depending on income. Interest rates start at 6.25% (subsidized for low-income borrowers) and can go up to 10.25% for higher loan brackets. Loan terms range from 1 to 30 years.
Required documents
Prepare: Pag-IBIG MID number, valid IDs, latest payslips or ITR, certificate of employment with compensation, marriage contract (if applicable), and complete property documents (TCT, tax declaration, vicinity map).
Application process
Submit your application at any Pag-IBIG branch. Approval typically takes 17–25 working days. Once approved, you'll receive a Notice of Approval and proceed to loan documentation, then loan release directly to the seller or developer.
Quick Tips
- ★ Maintain regular contributions for at least 2 years to qualify.
- ★ Lower-income borrowers get the lowest interest rates — up to ₱750K at 6.25%.
- ★ You can combine Pag-IBIG and bank financing for higher property values.
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