Since the introduction of the Pag-IBIG Fund Law of 2009 (Republic Act 9679), everyone, including overseas Filipino workers, are entitled by law to be members of the government housing fund. The main objective of the Pag-IBIG Fund is to provide affordable home options to Filipinos via a savings initiative.

How much should I pay for my Pag-IBIG Monthly Savings?

The answer to this question depends on your current employment status. The maximum compensation that is being used by both Home Development Mutual Fund (HDMF) and your company (if currently employed) is set at P5,000. This means that at a 2% employee share rate, the minimum amount you can pay per month is P100.

Pag-IBIG members are always encouraged to pay more than what is required. For those who are eyeing to buy a home in the near future, the value of the payments you have made for 24 months will be used as a basis for HDMF to determine whether to grant you a higher loan amount. Members can avail a maximum amount of P6 million for a home loan through Pag-IBIG.

To service the needs of its 13.8 million members, HDMF has increased the number of ways to pay your Pag-IBIG monthly savings or your amortization payments for an existing home or multi-purpose loan.

1. Through your company

A Philippine-registered company by law is required to remit the Pag-IBIG contribution of an employee. Your Pag-IBIG monthly savings will be deducted along with other government contributions from your gross basic salary. If you wish to increase your monthly savings, you will need to fill out a form one-time only for your human resources or payroll department to process your request.

If you are self-employed, or if there’s any reason that your employer has failed to pay your monthly savings, you may opt for the following payment options:

2. Through a Pag-IBIG branch

Pag-IBIG members can pay their monthly contributions via a nearby HDMF branch. There are three HDMF offices in Makati. The Housing Loans department is located at HDMF’s Ortigas branch, while Pag-IBIG claims department has an office at the 7th floor of SM Aura Office Tower.

3. Bayad Center

There are hundreds of Bayad Centers in Metro Manila that accept Pag-IBIG and other government contributions. For monthly contributions, your membership identification number (MID) / registration tracking number (RTN) will serve as your account number.

If you will be paying for your housing amortization, you will need to have your housing loan monthly billing statement or the SMS reminder to fill out the payment details. Keep the receipt issued by the Bayad Center outlet, as it will serve as your Pag-IBIG fund receipt (PFR).

4. SM Business Center

The SM Business Center is the bills and customer service arm of SM Supermalls. These are usually found on the same floor where the SM Supermarket is located. This is convenient for customers who needs to pay bills and shop for groceries all in one go.

5. Credit Card

You can make payments using your Visa or Mastercard via HDMF’s online payment facility. This can also work with debit cards as long as there are sufficient funds to make the payment. A minimum convenience fee of P7.20 will be charged for the monthly payment.

6. Globe G-Cash

Globe is the first company in the Philippines that offers Pag-IBIG members a way to pay their monthly contributions or housing loan amortizations just about anywhere in the country. By dialing *143# on your mobile phone, select Pay Bills, and then the Government option to enter your MID number to make your payments. Make sure that the details on your G-Cash account is the same as on the information registered on your MID number. You will receive an SMS notification from Globe once the transaction went through.

7. Banks

Metrobank only accepts payments for your home loan amortization with Pag-IBIG. For monthly contributions and loan amortizations on your short-term loans, Pag-IBIG members can make payments via Union Bank, BPI and Land Bank’s Internet banking facilities: Union Bank One Hub, BPI ExpressLink, and Land Bank wePayAccess.

8. Overseas Remittances

Recently, HDMF saw the need to address the concerns of overseas Filipinos workers (OFWs) who are unable to make periodic monthly payments. OFWs are now given the option to make annual payments of P1,200 to cover the 12 months in advance, in place of making monthly contributions. According to the overseas accounts department of HDMF-POEA (Philippine Overseas Employment Administration), family members and loved ones of OFWs can also pay for the latter’s contributions on their behalf.

Should OFWs prefer to make the contributions themselves, they can do so via the following payment channels:

  • Banks
OFWs can now make payments via Philippine National Bank (PNB), Metrobank, or Asia United Bankvia their online bill payments systems. PNB can also accept payments at their New York and Hong Kong branches. OFWs in London can also make their payments at Allied Bank at Rochester Row.

  • Money Remittance Services
HDMF accepts monthly contributions via I-Remit and Ventaja. i-Remit has 1,400 offices and has more countries covered in the Asia-Pacific and Middle East regions. Ventaja can be a preference for OFWs who are working in the US, Canada, and Australia.

Due Diligence

After making payments to third-party services, you are encouraged to check your remittances online. You can check your updated contributions via HDMF’s E-Services portal. OFWs have a special verification tab where you can key in your your MID number, along your first and last name to check your updated contributions.

HDMF said that the posting of the payments are usually dependent on when third-party services will submit payments to the agency. You may want to wait for at least 2-3 business days for the payment to be reflected on your Pag-IBIG account. For instances that there is a discrepancy with your actual payments to your updated contributions, it is best to raise this issue with the third party service first before HDMF. You can also call the Overseas Accounts department based in Makati at landline numbers 892-0643, 723-7599 or trunkline 812-4731.

Do you have questions about paying your Pag-IBIG contributions that we have left unanswered? Please let us know by leaving a comment below.

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  • cristina emmer roa

    pwede bang family member ng isang ofw ang maghulog ng contribution nya in his behalf?

    • Rizza Estoconing Sta Ana

      Hi @cristinaemmerroa:disqus! Pwedeng-pwede naman! Basta you have the Pag-IBIG number of the OFW husband/brother/sister/mother/father/child to deposit the contributions to. Make sure that you keep the receipts :D You can deposit the contributions to any of the following abovementioned.

    • Hi @cristinaemmerroa:disqus. Hope we were able to help you. May iba pa po ba kayong tanong or concern na gustong malaman tungkol sa pagbili ng real estate property?

  • mylz

    Pwede po ba magbayad ng contribution for 2yrs in advance.. as individual payor po..tnx

    • Rizza Estoconing Sta Ana

      I believe ok lang naman po sya mylz as long as hindi po kayo magmimiss ng payments after the period is up. Icrecredit po nila yun as advance payment. Mas maigi po na makipagugnayan sa pinakamalapit na Pag-IBIG office malapit po sa inyo or tawag po muna kayo.

  • Chrizalee Joy Remilla

    Mam panu po kung hindi nya alam ung pag ibig number niya. San po ba pede un malaman. Well ung tao po is ofw, pinapakiusap lang po niya sakin na ausin ko daw po
    pag ibig niya. Last march 2015 lng po sya nagresign sa st lukes.

    • Zipporah Antonio

      Hi @chrizaleejoyremilla:disqus. Ito po ang mga numero ng Overseas Accounts department ng Pag-IBIG na maari ninyong tawagan 892-0643, 723-7599 o sumangguni sa Pag-IBIG trunkline 812-4731. Maari din pong bumisita kayo ng personal sa pinakamalapit na Pag-IBIG office. Para sa karagdagang impormasyon tungkol sa OFW at Pag-IBIG Fund, maari ninyong basahin ang article na ito:

  • mel

    pano po magbayad kung cheque ang issue ko? payable to:?

    • Zipporah Antonio

      Hi @disqus_72CNEWLxiA:disqus. Maigi pong iverify ninyo sa Pag-IBIG ang proseso sa pagbabayad gamit ang cheque. Maari po kayong tumawag sa Pag-IBIG 724-4244 o magemail sa

      • Melissa Alcebar

        nagbayad po ako dito sa dubai Al Ansari Exchange ng aking housing loan contribution for April and May 2015 ..gusto po sana malan na received na ba ang payments ko..para updated na ako sa payments next months.Good Morning ..

        • Zipporah Antonio

          Good morning, @Melissa Alcebar. Maari ninyo pong i-check ang inyong remittances online via HDMF’s E-Services portal. Ito po ang link:

          Ayon po sa Pag-IBIG, mga 2-3 business days bago ito magreflect sa inyong account. Hope this helps. God bless po! :)

          • Melissa Alcebar

            hoping po ako,main office pa pala sya tapos davao city branch wlang outlook email na received na pala ng Manila,sabi ng davao kc wala daw silang na received na payments.Sorry sa disturbo po kc confusion po ako,dhil delayed po kc ako sa payments..thank you so much..Godbless

          • Hi @melissaalcebar:disqus. Naremit daw po ba siya?

          • Melissa Alcebar

            ito po ang resibo ko sa accredited sa Pag ibig ..Al Ansari Exchange..May 29 pa sent ko..

          • Hi @melissaalcebar:disqus. Kung hindi pa po nagrereflect ang inyong contribution, maari po kayong magpadala ng e-mail sa Pag-IBIG. I-send ninyo po ang concern sa Sana po makatulong ito.

  • Melissa Alcebar

    Hello! po Good Morning, Liz, hingi po ako nagtulong saan po ako pweding magbyad ng aking housing loan, alin pong credited na bank ng Pag ibig, nasa dubai po kc ako, gusto ko po kc magbayad na dito para direct sa pag ibig ang payments. Land bank at Metrobank accredited sa Pag ibig..
    bagong release po ng bhay ko at di ko alam na release na pala ang bhay ko noon April 30,2015 ngayon ko lng sya nalaman,kaya po may penalty na daw ako, at sent sila ng acct. name at number sa landbank -HDMF HL 0162-0251-63,itong acct. ay sa Pag ibig account ko mapupunta ang binayaran ko, sana matulungan nyo po ako sa aking problema
    Salamat po

  • Chona Austria

    panu po mag loan at panu ang computation for monthly amortization?

  • Chona Austria

    panu ko po ma check ung monthly contibution ko kung na hinihulog ng employer ko?

    • Zipporah Antonio

      Ang ginawa ko po noon ay tumawag ako sa Pag-IBIG Hotline 724-4244. Maari ka ding pumunta sa pinakamalapit na branch para iverify kung magkano na ang naihulog ng employer.

  • Ramie Abetong

    Puede po ba ung monthly contribution ko bayad muna sa housing loan ko? Pero delayed nang two mos. 2k ang housing loan ko every mos.

    • Rizza Estoconing Sta Ana

      Hi @ramieabetong:disqus! Magkaiba po kase sila. Yung monthly contribution nyo po ay napupunta po sa Pag-IBIG para manatili po kayong mag-enjoy ng benepisyo bilang miyembro. Ang isa sa benepisyo ay ang kakayahan ng magutang o loan ng malaking halaga para pambili ng bahay. Pwede na natin mahalintulad sya sa membership fee ng isang club o association.

      Pero yung amortization payment nyo po sa housing loan ay iba dahil napupunta po yun sa pagbayad ng loan o utang nyo po sa pagbili ng bahay.

      Pwede naman po kayong magbayad ng contribution in advance. Kunyari, pwede kayo magbayad ng quarterly para yung the rest of the months po ay pwede kayong magtabi ng pera pambayad ng housing loan payments.

      • Ramie Abetong

        Salamat po…

  • Cass Tolentino

    Paano po magbago ng membership status??

    • Hi Cass Tolentino. Ano pong babaguhin ninyo sa membership status ninyo? Maari kayong mag-update ng inyong Pag-IBIG information online. Bisitahin ang kanilang website at pumunta sa E-Members Services section. Sundin lang po ang process na nirerequire. Maari din po kayong pumunta sa pinakamalapit na Pag-IBIG office at personal na i-update ang inyong information. Hope this helps!

  • rode

    Ask ko lng po kc may utang po ako sa housing loan bale 500k php n lng po gusto ko sna mag bayad kahit 100K php pag may pera sa principal po ba mapupunta ung 100k php na ibabayad ko pero tuloy tuloy p rin nmn ang hulog ko sa monthly amorztion ko. Tnx.

    • Rizza Estoconing Sta Ana

      Hi @rode! Sorry ngayon ko lang to nakita. Ganito po kase yung computation ng Pag-IBIG:

      Monthly Amortization Payment = (Loanable Amount) x (Factor Rate)

      Yung Factor rate po is base po sa number of years ng loan nyo at Pag-IBIG interest rate.

      Dinidetermine po yung monthly amortization rate nyo po at the onset ng loan. So any excess payments po ay napupunta sa future amortizations ninyo. I don’t think po na iaadjust ni Pag-IBIG yung gusto nyo po unless magkakaroon po kayo ng panibagong debt arrangement with them (debt restructuring).

      Ideally, the quicker you make your payments, the faster matatapos nyo pong mababayaran yung Pag-IBIG loan.

  • Robert de Guzman

    Good morning po mam/sir tnong ko lng po kung pwede png ituloy ang hulog sa pagibig khit 2yrs mhigit nki hindi nghuhulog…

    • Hi @robert_de_guzman:disqus. Maari pa din po as long as eligible pa kayo. Para po maisaayos ninyo ang inyong information at previous contributions, maari kayong pumunta sa pinakamalapit na Pag-IBIG office o tumawag sa kanilang hotline number (724-4244) para sa proper assistance. Sana po makatulong ito.

      • Robert de Guzman

        Ok po..ang pagibig no. Po ba un ung ns member data form ung pagibig mid no.???

        • Yes po. Para ma-verify ito, tumawag lang po kayo sa Pag-IBIG office.

  • Rizza Estoconing Sta Ana

    Hi Ross Bantug!

    1. You can go to the online services site of HDMF ( and enroll to the Paperless Housing Loan Billing Services. You will receive the billing statement via email.

    2. Your son would need to have remitted 24 monthly contributions in order to be eligible to apply for a housing loan. I have written a quick guide earlier, and he can check the rest of the requirements :D

    3. I have sent this response equally to as well. God bless you too!

  • mingocarlo

    Hi,,,my pagibig payment is for 30 years,,but i was promoted and i can pay the remaining within 10years only….and i want to pay in advance,, sa halip na 4k lang monthly ko gagawin ko na syang 20k…

    • Rizza Estoconing Sta Ana

      Congrats @mingocarlo:disqus! I assume your question is about paying off your home loan in advance, no? As I have told @disqus_NFIHeDyJd0:disqus, any excess payments will be made towards sa future amortization payments nyo po. It’s a good idea po na you will pay your pagibig loan early. What I missed discussing with rode is that when you pay off your loan early, you end up saving interest payments. This is because everytime nagbabayad po kayo ng amortization, yung excess amount po nun ay napupunta sa principal :D

      • mingocarlo

        thank you po….so halimbawa yung monthly ko is 5k and i pay 10k…5k will go to principal..

        • Rizza Estoconing Sta Ana

          Yes that is correct @mingocarlo:disqus

          • mingocarlo

            thank you po…

  • Rizza Estoconing Sta Ana

    Hi Cecil Bernabe you need to advise your HR department that you will no longer pay your housing loan payments via salary deduction. If you wish for your bill to be mailed to your home address, you can contact Pag-IBIG directly to set up this kind of payment and bill issue arrangement. You can call the Billing and Collections department at these numbers:

    (02)654-7241 ; (02)654-9189

    You can also get your bill electronically at

    Hope this helps!

  • Lani

    Hi, Good morning! name is Lani. I am trying to pay my monthly contribution online using my debit card but it is rejected. Is there any way that I can pay online?Thank you

    • Rizza Estoconing Sta Ana

      HI @disqus_cXWI4nGyW5:disqus! Is it possible that your interbank network is down at the moment? It could be one of the reasons why your debit card may have not gone through. Another possibility is that the name under your debit card account is not the same as with the name under your Pag-IBIG membership.

      However, you can try contacting your bank and sign up for an auto-debit service. This way, your bank automatically deducts your Pag-IBIG payment periodically without you needing to do extra work online. If you are a Globe user, another option is to use the company’s mobile payments feature. Please check G-Cash above for more details.

      Good luck!

  • Lani

    Good Afternoon! I just wanna ask po,ofw po ako at bago ako umalis ng bansa dati meron akong loan sa pag ibig back in 2008.Tas hindi po ako nakapaghulog then noon ngbakasyon ako in 2012 bago kami makauwi kailangn muna namin kumuha ng OEC and one of the requirement kailangn mghulog s pag ibig. Parang binigyan ulit nila ako ng bagong number tas yon na yong hinuhulugan ko until now. Eh kukuha po ako ng bahay sa Cavite through pag ibig housing loan. D ba maapektuhan yon kasi meron pa akong utang dati?Please advice.Thank you

    • Rizza Estoconing Sta Ana

      Hi @disqus_cXWI4nGyW5:disqus ! You may want to verify with Pag-IBIG Fund po kung iisa lang po ang inyong number. You can update your existing membership para po maiwasan naten yung complications pag magapply po kau ng housing loan. You Pag-IBIG’s hotline number at 724-4244 to get phone assistance from a friendly agent. Good luck!

  • Leonida Reyes

    Gud day po mam! Ask kolang po. Nag apply kami ng housing loan throu ofw. Housing loan pag -ibig. Pero sa pamamagitan sya ng CenQhomes development corportion. Ang sabi po in house muna. Pagkatapos mabuo ang bahay saka lang nila ipapasok sa pag ibig fund para sa acriditation ng pag ibig housing loan. Totoo po kaya ito. Kc nakapag down na po kami. Salamat po!

    • Rizza Estoconing Sta Ana

      Hi @leonidareyes:disqus ! Ngayon lang po ako nakarinig ng ganitong arrangement ng isang developer sa Pag-IBIG. Hindi po kase dapat ang developer magdecide kung anong financing option po ang inyong kukunin.

      Maari pong magsecure kayo ng karagdagang dokumento gaya ng Reservation Agreement and Contract to Sell na magsasaad na ganito ang inyong arrangement with the developer. Kaya po naten irerequest ito ay para maproteksyunan po kayo sa possibility na magbabago ang inyong mortgage payment scheme o yung kabuwanang bayad nyo po sa loan at karagdagang expenses pag nagswitch po kayo from in-house to Pag-IBIG.

      Kung gusto nyo rin pong maisiguro ang inyong investment, maari rin po kayong magconsulta sa Pag-IBIG sa 724-4244.

      Good luck po!

  • Allan Requintel Villalva

    Good day.ako po ay isang ofw.ask ko lng po kng papano pagbayad ng housing loan here in abroad?

  • Eric Laberinto

    Good day! pede po bang magbayad sa Bank na accredited ng PAG – IBIG kung delayed payment na or pupunta na talga sa nearest PAg – ibig office?? like yung sa akin 2months babayaran ko..

    • Hi @ericlaberinto:disqus. Pwede po kayong maghulog ng contribution kahit hindi naman monthly as long as mafulfill mo yung required na contributions. Wala pong penalty yun. As far as I know, nagkakaroon lang po ng penalty kapag may binabayaran kayong loan, at hindi kayo nakapagbayad on time. Hope this helps!

  • Eric Laberinto

    Good Day! tanong ko lang kung pede ako magbayad sa accredited bank kahit delayed payment na or pupunta na talga ako sa Branck ng Pag-ibig.tnx

  • apulo meneses

    pede pa poba magbayad ng hdmf hl sa bayad center or sm bussiness center kahit 2 months na yung due ko? tnx po

    • Rizza Estoconing Sta Ana

      Pwede naman po. Pero meron na po syang penalty. Kung nareceive nyo na po ang latest bill, ganito po yung computation:

      1/20 of 1% of the amount due for every day of the delay

      Kahit maliit po sya, pag namiss po kayo ng 3 consecutive payments, baka madefault po kayo sa housing loan nyo. Kaya mas maigi po kung magbayad po tau ng on time, or makipagcoordinate sa Pag-IBIG pag may problema po kayo sa pagbayad ng amortizations.

      Salamat po!

  • Sheila Ofrecio De Vera

    Hello po.. may loan ako sa Pag Ibig and then umalis po ako ng bansa. gusto ko na sana bayaran ung loan ko. anu po ba hihingin sa payment center para mkabayad if bayad ako dito from abu dhabi?

    • Rizza Estoconing Sta Ana

      Hi Sheila Ofrecio De Vera! Kailangan nyo pong ipresenta ang inyong current loan billing statement na pinadala ng Pag-IBIG Fund sa inyo. Kung wala po kayong kopya at ang loan nyo po ay housing loan, pwede po kayo kumuha ng kopya online dito:

      Kung ito po ay short-term loan, maari po kayong magverify muna sa Pag-IBIG Fund kung magkano ang inyong due at magbayad gamit ng mga impormasyong ito sa inyong payment form:

      >Membership Identification (MID) Number or Registration Tracking Number (RTN)
      >Account Name (Member’s Name)
      >Period Covered
      >Contact No.
      >E-mail Address
      >Check No. and Amount of Payment (if thru Check payment)

      Hope this helps po :D Have a good day!

  • Christie Mapa

    Tanong ko lang po, Gusto naming bayaran lahat nang loan namin sa Pag-ibig. May balance pa kami na P900,000.00 na 10 yrs to pay. May makuha po ba kaming rebates/refund dito? Magkano naman po if meron? salamat

    • Rizza Estoconing Sta Ana

      Hi @christiemapa:disqus ! Ang pagkakaalam ko po is kung magbabayad po kayo ng remaining balance ahead ng inyong loan term ay makakasave po kayo ng interest payments. So wala naman po talagang cash refund or rebate in essence.

      Meron po akong ipupublish na articles soon about this, will update you po. Maraming salamat!

  • April Padilla Colanggo

    tanong ko lang po pwede ba hindi fill upan ang pag ibig employer ID number pag mag bayad nang remittance?

    • Rizza Estoconing Sta Ana

      Hi @aprilpadillacolanggo:disqus! I don’t think this is required po, unless sila po yung nagreremit sa inyo :D

  • clarisa

    ask qlang puh panu malalaman ung MID/TRN ng pag ibig… bgo kc pmunta ng abroad boyfriend q nag apply xa ng pag ibig tpox nag byad xa go0d for 6 months… ngaun ba2yaran q sana ung mga su2nod na buwan kso ndi ko alm ilalagay na number… pa help naman puh… kailangan q mbyaran bgo mtapos 2ng buwan…

    • Rizza Estoconing Sta Ana

      Hi @disqus_pQSGMLcoNx:disqus! Pwede po kayo sumangguni sa Pag-IBIG Fund hotline 7244244. Make sure po na meron kayong personal information ng inyong boyfriend tulad ng middle name, date of birth etc.

      • clarisa

        Opo alam quh naman lahat ng detail… sana maaux quh… tnxt puh…

        • Rizza Estoconing Sta Ana

          You’re welcome @disqus_pQSGMLcoNx:disqus! Let me know if there’s anything I can help.

  • Rizza Estoconing Sta Ana

    Hi norili ricafrente! Sorry for the late response. Either naman po pwede, pero I would suggest na magregister po kayo online sa Pag-IBIG para mamonitor nyo po ang inyong hulog.

    Eto po yung mga links:


  • Cecille Tabuena

    Good day po Ms.Rizza ! I’ve been a member of Pag-ibig since late 80’s – 2009 pa po as “employed”. Then I decided na mag voluntary member (pop) since 2013. Ask ko lang po, counted din po ba yung previous payment ko as an employed member if in case kailanganin ko siya for benefits issue? Mag reflect po ba ung payment ko nun kahit po wala pang MID number during that time? I also checked on the links you posted here to verify my contribution. However, wala po yung 2013 payment ko? 6 months pa po palagi ang payment ko! Hope for your reply. Thank you and God bless!

    • Rizza Estoconing Sta Ana

      Hi Cecille Tabuena! Interesting. Vinerify nyo na po ito sa Pag-IBIG Fund mismo about your updated member contributions? Ang alam ko po dapat macarry over lang yung mga contributions, ang magiiba po ang inyong status, fee and payment schedule.

      Pwede nyo po sya itawag at 724-4244, or
      text at 0917-8884363/0918-8984363, or email at Pero I suggest mas maigi po itawag nyo para meron pong tao na makakasagot sa iba nyo pa pong katanungan or requests tungkol sa contribution nyo.

      • Cecille Tabuena

        Thank you so much, Ms. Rizza for clarifying both my concerns. I will surely call on Pag-ibig office to verify. Have a great day and God bless! =)

        • Rizza Estoconing Sta Ana

          Yes you too @cecilletabuena:disqus!

  • Rizza Estoconing Sta Ana

    Hi clarisa! Pwede naman po kayo mag advance payments anytime, pero meron pong due dates ang member contributions.

    pag quarterly payments: pay until the last working day of the quarter being paid for

    ex: january to march period, deadline is march 31

    pag semi-annual payments: pay until the last working day of the first quarter of the semester being paid for.

    ex: january to june period, deadline is march 31

    pag annual payments po: pay until the last working day of the first quarter of the year being paid for.

    ex: january to december period, deadline is march 31

    • clarisa

      Goodm0rning ate Rizza…

      Panu po kung na-delay ako ng bayad sa Pag-ibig? Tsaka yung bnayaran ko po for September c0nt. sa SM CENTER pasok na po b yun?

      • Rizza Estoconing Sta Ana

        Hi clarisa! Pag nadelay po kau ng bayad sa Pag-IBIG, meron po syang penalty. Ang alam ko po pag per day of missed payment, may penalty po na 1/10 of 1% ng inyong due.

        Pwede nyo po icheck online kung pumasok po yung bayad nyo for September. Enroll po kayo dito to check your updated payments:

        Pag meron po kayong penalties, mas maigi po sa isang Pag-IBIG Fund branch po kayo pumunta kase hindi po iaaccept ng mga alternative branches like SM Business Center or banks yung payment sa penalty pag hindi po sya signed ng SSS officer.

  • Rizza Estoconing Sta Ana

    Hi Cecille Tabuena! Yes you’re absolutely right. I-crecredit po sya dun sa inyong principal. Naidiscuss ko po ito sa isang article ko on how lenders like Pag-IBIG Fund compute mortgage amortizations here:

    Hope this helps!

    • Cecille Tabuena

      Again, Thank you so much Ms. Rizza. This article is really of big help regarding my concerns. Have a great day and God bless! =)

      • Rizza Estoconing Sta Ana

        Awesome @cecilletabuena:disqus!That’s very heartwarming of you :)

  • khaye

    good day po, may housing loan po ako and 1 year na po ako nagbabayad ng monthly amortization through PDCs na ipinasa ko po sa developer, nag text po ulit ang PAG- IBIG this august 2015 na mag provide po ulit ako ng PDCs, sa PAG- IBIG office na po ba ako pupunta or sa developer pa rin po?

    • Rizza Estoconing Sta Ana

      Hi khaye! Good question. Pwede nyo po iclarify for what purpose po ung pagprovide ng PDCs sa Pag-IBIG? If ever rin po, can you also check kung updated po ang inyong payments na binibigay sa developer?

      Pwede po kayo sumangguni sa Pag-IBIG Fund hotline at 7244244. Maraming salamat!

  • Angelo Taladtad

    Magandang araw po sa lahat kailangan ko po ng tulong impormasyon sa pag aaplay ng housing loan thru pag ibig..requirments as ofw ay meron po aq lahat,mga form ng pag-ibig ay idadownload q po then filled up taz punta sa embassy for their stamp,authentication,notary,etc.
    Ang mga sumusunod na bilang sa ibaba ay mga documento na kaya ko iprepara dito sa Saudi Arabia:
    1.Housing Loan Form Filled up(Download)
    2.Employment Contract with English translation.
    3.Certificate of Income which i can certified by HDMF Officer here
    at Saudi Arabia.
    4.Special Power of Attorney(Download from Pag-Ibig website)
    which i certified and authenticated by the embassy or consulate
    5.Copy of Recent passport
    6.NSO Birth Certificate.
    Note that im not married.
    Ang MSVS po ba ay pwede po bang ang gumanap ay ang aking Attorney-In Fact na nag lalaan ng Special Power of Attorney na Selyado ng Embahada ng Pilipinas o Konsalada ng Saudi Arabia.

    Bukod po sa mga Documents na nabangit,meron pa po ba na kailangang documento galing dito sa Saudi Arabia puntang Pilipinas o di kaya eh documento na galing Pilipinas puntang Saudi Arabia?

    Ang punto ko po kasi eh para mabawasan ang pagpapadala ng mag documento sa pabalik balik sa kadahilanang kailangan pala ng iba pa.

    • Rizza Estoconing Sta Ana

      Hi Angelo Taladtad! Galing naman, naiprepare nyo po lahat yan. Hindi po ba kayo kumonsulta sa HDMF officer jan sa Saudi Arabia regarding your question po? Kase ang pagkakalam ko po, after nyo maipasa ang inyong requirements sa Pag-IBIG Fund and pay the processing fee, makakareceive po kayo ng Notice of Approval or Letter of Guarantee, at magsisign po kayo ng documents.

      Hindi ko rin po alam if may special circumstance binibigay sa mga OFW applicants katulad nyo po, pero since meron po dyan HDMF satellite office, I’m sure pwede rin nyo po maprocess yung application nyo dyan.

      As for claiming of the check, hindi rin po ako sure kung allowed ng Pag-IBIG Fund na magissue ng cheque through your Attorney-in-Fact. Pero I do think po na kung para sa purchase ng inyong bahay ang housing loan, pwede po kayong magtanong kung ifoforward na lang yung cheque sa mismong developer.

      Here’s a housing loan application guide for your reference po:

      Hope this helps po. Maraming salamat!

  • mae

    good day po…ma’am ask ko lng po kc ung friend ko nasa abroad po sya sa italy po ngyn meron po sya housing loan sa pag-ibig, ngayon po gusto nyang magbayad kaya lng nasa abroad po sya ang question po nya pano daw sya magbabayad sa pag-ibig kahit nandun sya abroad pano po ang proseso?thanks po

    • Rizza Estoconing Sta Ana

      Please see above po for my response. Thanks!

  • mae

    good day po ask ko lng po kc ung friend ko po nasa italy po sya gusto nyang magbayad ng monthly amortization pero nd po nya alam ang gagawin kung paano po sya mag pay…thanks po

    • Rizza Estoconing Sta Ana

      Hi @disqus_l6B1M8UdNh:disqus! Pwede po sya magbayad through any accredited bank ng Pag-IBIG Fund. You can check the accredited banks in this article po. Dapat rin po alam ng kaibigan nyo yung kanyang Pag-IBIG Fund Membership Number.

      • mae

        ok po mam rizza thanks po

        • Rizza Estoconing Sta Ana

          You’re welcome @disqus_l6B1M8UdNh:disqus!

  • Lot

    good day po i would like to ask po . kasi 7 months pa po ako na regular na nag papay ng pag-ibig . regular na po ako ngayon sa work ko. and i am planning to apply for pag -ibig loan kaso sabi po ng mga colleagues ko na need daw po atleast 2 yrs then narining ko po sa iba na its ok po na mag advance pay para maging pang 2 yrs na po contribution ko is it ok lang po ba? paano po process?

    • Rizza Estoconing Sta Ana

      Hi Lot! You need to be at least a member of Pag-IBIG for the last 12 months po before kayo pwede mag lump sum payment ng balance ng contribution amount required in order to make a loan. Ibig sabihin dapat 12 months ka ng member sa Pag-IBIG, tapos paassess ka sa Pag-IBIG Fund kung magkano yung babayaran mo na advance contributions para makapagloan ka po.

      Here’s the housing loan application guide for your reference po:

      Thank you!

  • Rizza Estoconing Sta Ana

    Hi @rose_mina:disqus! Congrats! Ibig bang sabihin galing sya sa Acquired Assets ng Pag-IBIG? Or direct transaction with the buyer?

    Kung yung pangalawa po, ang alam ko po ay kailangan magdraft ng assignment of contract and panibagong contract to sell na dapat din ata may acknowledgement document from Pag-IBIG Fund to recognize na kayo yung new owner.

  • Dawn Evasco

    Hi good day! I am working here in Dubai. Meron po akong housing loan at gusto ko po sanang magbayad na deduct sa principal. Saan po ba ko pwedeng mgbayad? Monthly amortization lang po ata kc ang tinatanggap ng mga money changer dito. Thanks po.

  • ramon del rosario jr

    ofw po ako for 18 years pero wla pong naihulog ang agency ko sa contribution ko as member eh required sa amin ang kaltasan for the whole year for pag-ibig contribution pero ngaun na di na ako nag-aabroad tinignan ko kung magkano na ang contribution ko eh wala akong makita…ano pong gagawin ko?

    • Rizza Estoconing Sta Ana

      Hi @ramondelrosariojr:disqus! Nakakalungkot naman po yung balita. Mas maigi po na ireport nyo yan sa Pag-IBIG branch na nasa consulado para maimbestigahan yung agency. Mas mabuti po kaseng idunong nyo personally yung problem nyo para makaprovide po kayo ng salaysay at proof of document na kinakaltasan po kayo ng agency for the last 18 years.

      Sana po maresolba po yung isyu.

  • Ferrer Maryanne

    good pm po,itatanong ko lang po,kasi nag loan po ako last 2013,sabi po ng accounting namin last payment ko for loan will end po this june 15,2015.nagtaka po ako bakit nagbabayad pa din ako until aug,15,2015.sinabi ko sa accountant namin regarding sa overpayment ko sa loan sa pag ibig.sabi niya ibabalik naman daw ng Pag ibig iyon sa po,nagpunta ko sa Pag ibig para mag renew ng loan,nakapag loan naman po ako kaya lang sabi ng officer ng pag ibig,di pa ko complete sa payment,no.of payments made is 22 lang,samantalang alam ko is overpayment pa na gawa ko.ano po ang gagawin ko kasi pag nagcomplaint ako sa accounting namin siya pa galit?may penalty po ba iyon sa pag ibig?ano po ba ang meaning ng TAV-OFFSET?sana po matulungan ninyo ako.salamat po.

    • Rizza Estoconing Sta Ana

      Hello Ferrer Maryanne! I am sorry to hear about this. Let’s answer muna what TAV OFFSET is. Total Accumulated Value offsetting po is a process where your Pag-IBIG accumulated savings has been deducted and paid over your outstanding loan balance.

      Ngayon, your next step is to collect all of your payslips that shows the payments that you have made towards your loan. You can request this easily with your HR pata mareconcile naten yung balance mo dun sa records ng Pag-IBIG Fund. After nakuha nyo na po yung documentation, saka po kayo sumangguni sa Pag-IBIG at ipakita yung payslips as evidence na completed na po ang inyong payments. You also need to ask how much nagamit sa savings nyo yung pinagbayad sa loan. This way, may basehan na si Pag-IBIG Fund to update your records and to work with your HR.

      Here’s PAG-IBIG Fud contact numbers:

      Billing and Collection
      (02)654-7241 ; (02)654-9189

      Hope this helps. Good luck!

      • Ferrer Maryanne

        salamat po…sabi nila yung overpayment ko i-advance payment sa new loan ko,dissappointed po ako kasi sa part ng company pinagtatrabahuhan ko di nila alam,i hope mam,ma inform lahat ng member ng pag ibig na ganito pala ang rules.thank you po.

        • Rizza Estoconing Sta Ana

          You’re welcome. Yes I agree, @ferrermaryanne:disqus. I hope maresolve po yung case ninyo. Let us know if may update po.

  • Cherry s. abul

    hi po,
    ask ko lang po kc 7 mos. na akong di nakakabayad sa monthly amortization ko pwede po ba magbayad kahit half lang muna.

    • Hi Cherry s. abul! Katulad po ng nabanggit ko kay Catherine Andal, tandaan po natin na may penalty pag late ang payment, at everyday ay na-aaccumulate ito, kaya as much as possible dapat bayaran ninyo kaagad ang inyong monthly amortization. I think tatanggapin naman po ng Pag-IBIG kahit half muna, yun nga lang po, nadadagdagan din yung penalty fee na dapat ninyong bayaran dahil delayed ang payment ninyo.

      Mainam pong makipagugnayan na din kayo sa Pag-IBIG para alam ninyo kung ano ang mas mainam na hakbang na dapat ninyong gawin kung sakaling nahihirapan kayong magbayad every month.

      Hope this helps!

  • Nadia Castillo

    Ilang percent po ang interest pag 1 month akong past due sa monthly amortization? Ano po ang consequences, thanks!

  • Catherine Andal

    Ask ko lang po if kelangan pang hintayin yung latest bill ko sa housing loan,bale delay po ako ng one month..pwede ko na po ba sya bayaran kahit di pa nadating yung latest bill?

    • Hi Catherine Andal. Sa pagkakaalam ko po, you don’t need to wait for the latest bill para magbayad. Isa pa po, nabanggit ninyo na delayed na din kayo ng one month. Tandaan po natin na may penalty pag late ang payment, at everyday ay na-aaccumulate ito, kaya as much as possible dapat bayaran siya kaagad.

      You can also read this article on why it helps to pay the mortgage payment in advance

      Hope this helps!

      • Catherine Andal

        I mean pwede po sya sa mga bayad center kahit delay yung payments ko.

        • Mas maigi po kung sa mismong Pag-IBIG branch na kayo magbayad dahil may penalty po kayo. May mga payment centers po kasi na hindi tatanggapin yung payment sa penalty unless signed by a Pag-IBIG officer na talagang may babayaran kayong penalty.

  • Jocelyn Deyparine

    Hi po ask ko lang po nag check po aq sa online service ng pag ibig if magkanu nlng ang available bal. Ko and nagulat po aq na tiningnan ko yung menu ng payments and 4 payments lng nkalagay dun nag start sya ng april den hanggang june lang… wala ung payment ko ng july-sept.. sadya po ba yun or delay lng po ang system.

    • Rizza Estoconing Sta Ana

      Hi Jocelyn Deyparine! There is a possibility po na hindi pa naiinput yung inyong payments sa system. San po ba kayo usually nagbabayad?Pag sa mga payment centers, baka hindi pa po siguro nagsync.

      Nonetheless, make sure po to keep the receipts and you provide the correct Pag-IBIG Fund account details. If you have any concerns, you can call the Pag-IBIG Fund Hotline at 7244244.

  • Joanna Laang

    Hi po, ask lang kung pano ma register at magkaron nung SMS reminder sa text para makapag bayad sa mga Bayad Center. Thank you. Ano ano po need? Email ba? saang site pupunta. yung step by step po. Thank you so much.

    • Rizza Estoconing Sta Ana

      HI Joanna Laang! You can check out this website to register and get updates about your member contribution. I am not sure though if their SMS service would serve your need, but go ahead and explore this site:

  • jhoy

    Hi po, inquire lang po ako, ofw po kasi ako last april 2014 dun pa lang po ako nakapag register sa pag ibig kc required sa OEC ko, then after that nag stop payment po ako kasi binayad ko april-june 2014. Then this month we are planning po na kumuha ng house at ipapasok nga po sa pag ibig, pumunta po ako sa exchange to pay the existing amount kaso yung previous year ng 2014 dina tinanggap, so pinabayad lang sakin yung 2015 until dec. Ok lang po ba na babayaran ko din yung 2016 to complete yung 24 months na required sa pag ibig housing loan? thanks and Godbless

  • arianne pamaran

    Hello po ask q lang po if need pa magbayad ng monthly contribution if may binabayaran ka na housing loan,
    Saka ok lang po ba na 4800 ang i lump sum q if ever may balak aq na mag housing loan na nagkakahalaga ng 840k..
    Thank u po..

    • Rizza Estoconing Sta Ana

      Hi arianne pamaran! Yes po, kailangan pa rin po kase eto po yung isa sa mga duties nyo as a contributing member. Yung binabayaran nyo po sa housing loan ay monthly payments po to pay back the amount you borrowed para po pambili ng bahay.

      As for the contribution requirement to get a housing loan po, alam ko po pwede pero dapat po kayo contributing member for the last 12 months.

      eto po yung guide on how to apply for a Pag-IBIG Fund loan:

  • Joy Macabenta-Bongato

    Good morning po..ask ko lnh po..may nkapost kc pong mga nagpa assume ng bahay sa davao area.namura lng if gusto ko pong kunin tapos idaan ko sa pag ibig loan po ok lng po ba?

    • Rizza Estoconing Sta Ana

      Hi @joymacabentabongato:disqus! Pwede naman po pero I would assume na idouble-check nyo with Pag-IBIG if they are willing to work with you on this.

  • tin

    good day! question po mam. kumuha po kami ng house and lot preselling wherein klngan pa po matapos muna ang bahay for appraisal bago kami mkpagloan thru pag.ibig. the construction of the house will start after full payment of dp and will take 6 mos. now, sabi po ng developer pwede na daw po kami mgstart mgbayad sa kanila ng pag.ibig monthly amortization while the construction is ongoing and till mprocess na namin ang loan. posible po ba un?

  • dave marthin sayo

    Good Day po, pwede ko po ba ipambayad yung frend ko ng contribution sa bayad center? then gaano po katagal makuha ung official receipt nun? thank you

  • Jose Baje

    Bakit po pag nagbabayad ako sa monthly amortization ng kapatid at bayaw ko thru metrobank online services e, invalid reference no. lagi ang sinasabi? Nag inquire ako sa metrobank pero ang sabi ng customer service ok ang kanilang system… Problema po ba ang system ng pag ibig? Paki guide po kami madam kung paano mag bayad online thu metrobank…. Meron bang kailangan i approve ba muna ng pag ibig bago pwede makapag bayad? Please guide us. thanks.

  • Mrvhin Gonzales Babelonia

    good day sir/maam, ask ko lang po pano magbayad ng HL amortization thru remmitance dito s UAE, gusto ko rin po sana mabayaran yun penalty ko, ano po yun mga dapat kong isulat or ipresent sa remmitance center na pgbabayaran ko, hope you can help me..

  • Catherine Andal

    Sir/Ma’am what if delayed po ko ng two months sa pagibig housing loan, pwede po bang one month lang muna bayaran..thanks

  • bibi

    kapag nagbayad po ba ng mas mataas sa monthly amortization mo mas bababa po ba ang years of payment at interest at monthly payment mo din

  • limaecho

    hallo po, ask ko lang po pano mag apply ng pag ibig if nasa ibang bansa kana nakatira. nagwowork po ako dito sa germany pero dito narin po ako nakatira kasi german ang aking napangasawa, nais ko po kasi mag apply ng pag ibig pag bakasyon ko this year.. pano po ba ang process at anong papers ang kelangan kong i-prepare. maraming salamat po advance sa inyong magiging kasagutan.

  • Jinell Dimple Sarimos

    Hello po.. ask lang po kung paano mag salary loan pag sundalo yung mag salary loan.. pinpatanung lang po. at paano po ang bawas nun sa sahod nila.. ty

  • roland cruz

    good day ask ko lang po kung pwede ko po renew sa pagibig yung loan ko kaso mga 1 year ko po sya di nabayaran pero may mga nahulog na rin po ako pwede po ba pakaltas na lang sa loan yung balance