Are You Qualified for a Pag-IBIG Housing Loan?


Wondering if you are already qualified to apply for a housing loan with Pag-IBIG?  Here’s how you can run a quick assessment based on the requirements published by Pag-IBIG.

There are four key considerations you need to take note of when applying for a housing loan:

  1. Your Pag-IBIG Membership
  2. Your Age
  3. Your Capacity to Pay
  4. Other Pag-IBIG loans you may have

What do you need to check before you submit your housing loan application?

  1. Your membership status.
    • Your membership must be tagged as active and you must have made a minimum of 24 monthly contributions at the time of your loan application.
    • If you have not made consecutive monthly contributions within the last 24 months, you may make a one-time payment to update your account. However, you need to wait for another 24 months before you can apply for a housing loan (some branches allow 12 months).
    • If there are more than one member who will be applying a loan for the same property, all of them must meet the membership status requirement.
    • Pag-IBIG allows up to three members to avail of a single housing loan provided that they are related with the second civil degree of consanguinity.
  2. Your age.
    • The borrower member must not be more than 65 years old at the time of the loan application.
    • The borrower member must not be more than 70 years old at the date of maturity.
    • The borrower member must be insurable.
  3. Your capacity to pay.
    • Your monthly amortization should not be more than 40% of your Net Disposable Income. You may request for a Monthly Amortization and Net Disposable table from Pag-IBIG; you may use this as a reference of monthly amortization rates based on the total loanable amount.
    • You must be prepared with the funds for down payment or equity.
    • You must also have an updated file of your proof of income such as your Pay Slips, Income Statements, Employment Contract where your salary is indicated.
  4. Other Pag-IBIG Loans.
    • You may only apply for and be granted one housing loan at a time.
    • Any previous housing loans with Pag-IBIG must not have been foreclosed, cancelled, or bought back.
    • Payments for outstanding Multi-Purpose Loan must be updated and must not be in arrears at the time of application.

The best time to apply for a housing loan is while you’re in your 30s and early 40s.  Should you get disqualified on your first application, you can always try again after a year or two.

The secret is in keeping your Pag-IBIG contributions updated all the time and maintaining a good credit score.

Good luck on your housing loan application!


How To Check If You Are Qualified For A Pag-IBIG Housing Loan


Published by MasterCitizen

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18 thoughts on “Are You Qualified for a Pag-IBIG Housing Loan?

      1. Paano kapag ofw at d nahulugan ng ilang taon yung Pag ibig..pwd po bang kumpletuhin yung 24 months na contribution may chance po kayang maapprove?thanks

    1. Hi Marife,

      Yes, as long as you are a bona fide member of PagIBIG at ma-meet nyo po ang required number of contributions and other requirements for housing loan.


  1. Nag buy out po ba kayo ng ibang loan kasi plano ko mag housing loan pero Nsa 10k nlang sinasahod ko monthly gawa ng deduction ko sa ibang loan. PNP po ako 12yrs napo sa serbisyo. Tnx n godbless

  2. Paano ko po ma transfer ng pag ibigay housing loan namin? Balak po kasi ng asawa ko na e transfer po ito sa pag ibigay. ..ano po mga kailangan gawin. At ano mga requirements PO? 3 years n po kami nakapagbayad sa bank…sa bank finance po kasi kami..

  3. 2013 po ako ng nag start ako s company n pinapasukan ko, nung nag check po ako sa pagibig 6 months lang daw po ang nahulog ko peri sure naman ako na nag huhulog ang company n pinapasukan ko ano po ba dpat kong gwin

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