Pag-IBIG — loans online in Philippines

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Virtual Pag-IBIG - Loan Service

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Pag-IBIG

36 months

10.5% per annum

18+ years

Address and contacts

Pag-IBIG Fund

Phone: (02)8724-4244

Website: https://www.pagibigfundservices.com/


How much money do you need? {{Number(sliderCurrentValue).toLocaleString()}} 500 ₱ 50000 ₱

The Virtual Pag-IBIG is Pag-IBIG Funds online service facility that allows you to safely and conveniently access Pag-IBIG Funds services anytime, anywhere using just your smartphone or computer with internet connection.

What services does the Virtual Pag-IBIG provide?

  • Register as a Pag-IBIG Fund member and get Membership ID (MID) Number
  • Open a MP2 Savings Account
  • Pag-IBIG Multi-Purpose Loan (MPL)
  • Pag-IBIG Calamity Loan
  • Take the first step in applying for a Pag-IBIG Housing Loan
  • Pag-IBIG Home Equity Appreciation Loan (HEAL)
  • View the status of the Housing Loan, Multi-Purpose Loan, Calamity Loan or Home Equity Appreciation Loan
  • Top-Up Pag-IBIG Regular Savings
  • Save in the Pag-IBIG MP2 Savings
  • Pay Pag-IBIG Housing Loan, Multi-Purpose Loan, Calamity Loan or Home Equity Appreciation Loan
  • Interest-Rate Repricing on your Housing Loan
  • Claim your Pag-IBIG Savings
  • Chat with a Lingkod Pag-IBIG, 24/7

Apply for and Manage Loans on pagibigfundservices website. Choose one of these types of loans:

  • Short-Term Pag IBIG Loan
  • Pag IBIG Housing Loan
  • Home Equity Appreciation Loan

What is a Pag-IBIG Multi-Purpose Salary Loan (MPL)?

  • A cash loan that is open to all members of Pag-IBIG
  • Contributing members of Pag-IBIG can borrow as much as 80% of their Pag-IBIG regular savings
  • The MPL comes at a low interest rate of 10.5 percent per annum
  • The loan is payable within 36 months
  • Members may opt to pay their loans in 24 months

How to create Virtual Pag-IBIG account?

  1. Visit Virtual Pag-IBIG at the Pag-IBIG Fund website
  2. Click the “Create Account” button
  3. Choose how to create your account: via your Pag-IBIG Loyalty Card Plus, via Online Activation or via Account Creation for Overseas Filipino Workers (OFWs)

How to apply Pag-IBIG Loan?

Create your Virtual Pag-IBIG account to apply and get a Pag-IBIG Multi-Purpose Loan

There are two methods to request a Pag-IBIG Multi-Purpose Loan: through online or Over-The-Counter (OTC).

For the digital or online application process:

1. Upload the accomplished MPL form and all the necessary requirements.
2. Fill out the Pag-IBIG MPL application online form, which is exclusively for members whose employers are registered under Virtual Pag-IBIG for Employers. Please note that this is only available for Pag-IBIG Loyalty Card Plus members.

For the OTC application process:

1. Submit the MPL application form and the complete set of requirements to the nearest Pag-IBIG branch.
2. Ensure that you receive your receipt.
3. Collect your loan amount on the scheduled date.

When you receive approval, you may choose one of the 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

Requirements to apply for the Pag-IBIG MPL

  • A total Pag-IBIG Fund savings of PHP 4,800 or at least 24 monthly Membership Savings (MS)
  • Made at least one Membership Savings within the last 6 months
  • Submit sufficient proof of income
  • Photocopies of 2 valid photos and 2 signature-bearing IDs
  • Latest payslips equivalent to a month’s wage
  • A completed Pag-IBIG Multi-Purpose Loan Application form
  • Signature of Office Head/ or Authorized Representative
  • Employer/Company Name
  • SSS/GSIS No.
  • Agency Code and Branch Code

Frequently Asked Questions (FAQs) about Pag-IBIG

How can I access the Virtual Pag-IBIG?

You can easily access Virtual Pag-IBIG using your smartphone or computer with an internet connection by visiting www.pagibigfund.gov.ph and clicking on the Virtual Pag-IBIG For Members link on the main menu. Alternatively, you may directly access it via www.pagibigfundservices.com/virtualpagibig/.[6]​

Can I use Virtual Pag-IBIG services, if I don’t have an account?

Yes, many Pag-IBIG Fund services can be accessed without a Virtual Pag-IBIG account. However, for premium services like viewing savings and loan records, you need to create an account to keep your records secure.​

How can I create my Virtual Pag-IBIG account?

Setting up a Virtual Pag-IBIG account is straightforward, much like registering an email address or social media profile. Begin by visiting the Virtual Pag-IBIG section on the official Pag-IBIG Fund website and clicking "Create Account." Then, proceed according to one of several provided methods: through your Pag-IBIG Loyalty Card Plus, online activation, or specifically designed registration for overseas Filipino workers (OFWs).

How do I create a Virtual Pag-IBIG account using my Loyalty Card Plus?

For those who already possess a Pag-IBIG Loyalty Card Plus, the setup becomes especially effortless. Enter your Pag-IBIG membership identification number (MID), specify the issuing bank, input the last four digits printed on the backside of your card, verify with a one-time pin (OTP) received via text message, submit your email address along with answers to three security questions intended for password retrieval purposes. Upon verification, you'll receive an email containing both a confirmation notice and a temporary password which should be changed during first login.

How do I create a Virtual Pag-IBIG account online without the Loyalty Card Plus?

In case you don't own a Pag-IBIG Loyalty Card Plus, another option exists: activate your account entirely online. This entails providing your MID, complete legal name, birthday, and contact information such as your cellphone number. Once verified through the receipt of an OTP code, additional steps include entering your email address, answering three security-related queries, stating your mother's maiden name, and indicating your place of birth. To finalize the process, upload a high-quality photograph of either your passport or two government-issued identifications, alongside a selfie showing yourself holding them. After submitting this documentation, expect a confirmation SMS notifying you about the success of your application. At that point, change your initial temporary password promptly for enhanced security measures.

How do I create a Virtual Pag-IBIG account as an Overseas Filipino Worker (OFW)?

Overseas Filipino Workers (OFWs) also benefit from a dedicated registration procedure tailored explicitly towards their unique circumstances. Input fields will prompt for data including your MID, full name, date of birth, and local Philippines-based mobile number. Verification occurs similarly via OTP. Additionally, indicate your current work location abroad, enter an active email address, respond to three security prompts, supply your mother's maiden name, and mention where you were born. Conclude by uploading photos of either your passport or other authorized documents together with a selfie featuring said identification materials clearly visible. Following submission, await notification via SMS regarding finalization of your request before altering the default password assigned initially.

Pros

  • Low mortgage interest rates: Up to ₱6 million at just 3% annually for up to 30 years
  • High-yielding savings: Tax-free annual returns of 6-8%
  • Easy-access multipurpose loans: Up to 80% of your savings at 10.5% APR
  • Government-backed security: Guaranteed funds and tax deductibility
  • Flexible contributions: Minimum ₱200 monthly contribution doubled by employer

Cons

  • Mandatory deductions: Employees must contribute ₱200 every month
  • Long waiting periods: Withdrawals available only upon retirement
  • Bureaucratic delays: Lengthy approval process requiring branch visits
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Pag-IBIG address and contacts

Company name: Pag-IBIG Fund
Address: 15th Floor, JELP Business Solutions Center 409 Shaw Blvd., Mandaluyong City

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Example of loan calculating

TERM 10 days 20 days 30 days 60 days 180 days
LOAN AMOUNT ₱25000 ₱25000 ₱25000 ₱25000 ₱25000
APR 10% 10% 10% 10% 10%
INTEREST AMOUNT ₱58.87 ₱126.99 ₱195.5 ₱400.96 ₱1222.88
TOTAL REPAYMENT ₱25058.87 ₱25126.99 ₱25195.5 ₱25400.96 ₱26222.88