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?
- Visit Virtual Pag-IBIG at the Pag-IBIG Fund website
- Click the “Create Account” button
- 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 (FAQ) about Virtual 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?
Creating a Virtual Pag-IBIG account is simple, similar to creating an email address or Facebook profile. Visit the Virtual Pag-IBIG page on the Pag-IBIG Fund website, click "Create Account," and select among these options:
- Via your Pag-IBIG Loyalty Card Plus
- Via Online Activation
- Via Account Creation for Overseas Filipino Workers (OFWs).
How do I create a Virtual Pag-IBIG account using my Loyalty Card Plus?
If you have a Pag-IBIG Loyalty Card Plus, use it to create your account:
- Enter your Pag-IBIG Membership ID (MID) number.
- Provide the bank that issued your Loyalty Card Plus.
- Enter the last four digits of your card number found on the reverse side.
- Confirm with the One-Time Pin (OTP) sent to your mobile.
- Provide your email address and answer three security questions for password recovery.
- Receive confirmation and a temporary password via email.
- Set a new password and log in to enjoy full services.
How do I create a Virtual Pag-IBIG account online without the Loyalty Card Plus?
If you don’t have a Loyalty Card Plus, choose the “Create and Activate your account online” option:
- Enter your Pag-IBIG MID, full name, date of birth, and mobile number.
- Input the OTP sent to your phone.
- Provide email, three security questions, mother’s maiden name, and place of birth.
- Upload a clear photo of your passport or two valid primary IDs.
- Upload a selfie holding your ID(s).
- Receive SMS confirmation of successful account creation and activation details.
- Change your temporary password immediately for security.
How do I create a Virtual Pag-IBIG account as an Overseas Filipino Worker (OFW)?
OFWs can register using the “Account Creation for OFWs” option:
- Enter Pag-IBIG MID, full name, date of birth, and Philippine mobile phone number.
- Verify with OTP sent to mobile.
- Provide country of assignment, email address, three security questions, mother’s maiden name, and place of birth.
- Upload passport photo or two valid IDs, and a selfie holding the IDs.
- Receive SMS confirming creation and eventual activation of the account.
- Change your temporary password immediately.
