Pag-IBIG Fund Philippines

For Filipino workers including government employees and OFWs, it’s a continuous quest for greener pastures to fight inflation. Owning a home and securing a stable financial future in the Philippines can be a challenging feat. This is where the Home Development Mutual Fund, more commonly known as Pag-IBIG, comes in.

Also Read: Social Security System (SSS) Philippines

In this guide, we’ll explore the different Pag-IBIG programs, services, and benefits that Filipinos can take advantage of, so they can make informed decisions and turn their dreams into reality. Whether you’re dreaming of owning your own home or simply looking for ways to secure your financial future, this guide will give you an idea on how to make the most out of your Pag-IBIG contributions.

pagibig agency philippines

What Is Pag-IBIG?

Pag-IBIG is a government agency that aims to provide Filipinos with access to affordable housing loans, savings programs, and other financial assistance. The main goal is to help them achieve their dreams of homeownership and financial stability. With Pag-IBIG’s various programs and benefits, you can finally take the first step towards securing your future and providing a better life for your family.

Whether you’re looking to save money, invest in your future, or own a home, this government agency can provide you with financial assistance in order to succeed in your goals. In fact, it was established as a response to the growing need for affordable housing loans and savings programs for Filipinos.

List of Benefits, Programs, and Services

As a Pag-IBIG member, there are plenty of benefits you can enjoy such as the following:

  • Savings. Pag-IBIG allows members to save money through regular contributions, which earn dividends and can be withdrawn after a certain period.
  • Home financing. Members can apply for home financing programs to purchase a house and lot, townhouse, or condominium unit, or even renovate an existing property.
  • Multi-purpose loans. Pag-IBIG offers short-term loans that can be used for a variety of purposes, such as tuition fees, medical expenses, or business capital.
  • Retirement benefits. Members who have reached retirement age can claim their total savings or contributions plus dividends in a lump sum or opt to receive a monthly pension.
  • Provident benefits. In case of involuntary separation, members may be eligible for provident benefits, which are cash payments to help tide them over until they find new employment.
  • Insurance coverage. Pag-IBIG provides life and accidental death and dismemberment insurance coverage to members, offering financial protection for their families in case of unforeseen circumstances.

Pag-IBIG offers a range of programs and benefits for its members, including the Pag-IBIG Fund Savings Program, Pag-IBIG Housing Loan, and the Modified Pag-IBIG 2 Savings Program. The Pag-IBIG Fund Savings is a mandatory savings program for all members, which serves as a savings fund that can be used for future housing loans, provident claims, and retirement benefits.

The Pag-IBIG Housing Loan, on the other hand, allows members to borrow money to purchase a home, construct a new home, or renovate an existing one. It offers flexible repayment terms of up to 30 years and low-interest rates, making it an attractive option for Filipinos looking to achieve their dream of owning their own home.

The Modified Pag-IBIG 2 Savings is another optional savings program for Pag-IBIG members who wish to save more for their future. It offers higher interest rates than the regular Pag-IBIG Fund Savings and allows members to save up to Php 500,000.

Virtual Pag-IBIG Services

Virtual Pag-IBIG services are online platforms and tools that allow members of the Pag-IBIG Fund to access various services and information related to their membership, savings, loans, and other benefits. These services are accessible through the Pag-IBIG Fund’s official website or mobile app and can be accessed by members with an active Pag-IBIG membership.

Some of the virtual services offered by Pag-IBIG Fund include:

Online Membership Registration

New members can register and apply for a Pag-IBIG membership online. This online registration process is designed to make it easier for members to manage their accounts without having to visit a physical branch.

Just go to and look for the E-Services tab on the homepage. Click on Online Membership Registration. On the next page, read and accept the Terms and Conditions by clicking the checkbox and then click the Proceed button. Fill out the online registration form with your personal information, employment details, and other required information.

Upload a scanned copy of your valid ID, which can be a passport, driver’s license, SSS ID, or any other government-issued ID. Review the information you provided, and then click the Submit Registration button. You will receive a confirmation message with your Registration Tracking Number, which you will use to track the status of your registration.

Online Contribution Verification

Members can view and verify their contributions online.

  • Online Loan Application. Members can apply for a loan online, track the status of their loan application, and receive updates on their loan payments.
  • Virtual Pag-IBIG Loyalty Card Plus. Members can apply for and use their Virtual Pag-IBIG Loyalty Card Plus to access discounts and other benefits from partner establishments.
  • Online Payment Facilities. Members can pay their contributions, loans, and other fees online through various payment facilities like online banking, credit/debit cards, and mobile payment apps.

Online Account Management

  • Members can manage their Pag-IBIG account, update their personal information, and monitor their transactions online.

These services provide members with a more convenient, efficient, and accessible way of taking advantage of Pag-IBIG services, programs, and benefits. They make things easier for members to manage their savings, loans, and other transactions with the Fund.

Video: How to Create a Virtual Pag-IBIG Account? (2023)

In this video, you will understand how to access Pag-IBIG’s online services through the virtual Pag-IBIG site. There are helpful tips on how you can use the services conveniently and safely without leaving your home. From the introduction, you will learn about the exact meaning of virtual Pag-IBIG account, how to use the Loyalty Card Plus feature, and some practical tips for OFWs who are also Pag-IBIG members.

If you’re using the Virtual Pag-IBIG Account without the Loyalty Card Plus, there are also some tips provided in the video. Overall, this tutorial focuses on how to register with Pag-IBIG online and take advantage of its digital services as a member and account holder.

Frequently Asked Questions

1. Who can become a member of Pag-IBIG Fund?

Any person who is at least 18 years old and has stable source of income can become a member of Pag-IBIG Fund. This includes Filipino employees, self-employed individuals, and voluntary members.

2. What are the benefits of becoming a Pag-IBIG Fund member?

Pag-IBIG Fund members can enjoy various benefits, including saving and investment programs, home financing programs, rental housing, multi-purpose loans, provident benefits, loyalty benefits, and insurance coverage.

3. How can I become a member of Pag-IBIG Fund?

You can become a member of Pag-IBIG Fund by registering online through the Pag-IBIG Fund website or by visiting any Pag-IBIG branch office.

4. What are the requirements for availing of a Pag-IBIG home loan?

The requirements for availing of a Pag-IBIG home loan vary depending on the type of loan and the borrower’s eligibility. Generally, borrowers need to submit documents like proof of income, valid identification, and proof of residency.

5. Can I withdraw my contributions from Pag-IBIG Fund?

Yes, members can withdraw their contributions from Pag-IBIG Fund, provided that they meet certain conditions. This includes being an active member for at least 24 months, having no outstanding loans, and being at least 65 years old or permanently retired.

6. How can I access Pag-IBIG Fund’s virtual services?

Pag-IBIG Fund’s virtual services can be accessed through the official Pag-IBIG Fund website or mobile app. Members need to register and create an account to access the various services available online.


Pag-IBIG Fund is a valuable resource for Filipinos seeking affordable housing financing, short-term loans, and savings programs. This government agency offers a variety of programs and services that cater to the needs of different individuals, including first-time homebuyers, self-employed individuals, and government employees.

By providing comprehensive information about Pag-IBIG Fund’s benefits, programs, services, and some FAQs, this short guide aims to help you make informed decisions about your financial future. Whether you’re looking to buy a house, start a business, or save up for your future, Pag-IBIG Fund is a reliable partner that can help you achieve your goals.

With its commitment to promoting financial inclusion and providing accessible financial services, Pag-IBIG is a testament to the Philippine government’s dedication to improving the lives of Filipinos.

Contact Information

To inquir about Pag-IBIG Fund Philippines services or benefits you may contact their hotline number 724-4244, send an email to, or chat with them at for more details or if you have any questions or concerns regarding your Pag-IBIG account membership.

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