Pag-IBIG Housing Loans Guide
The Pag-IBIG Fund remains one of the most accessible financing options for Filipino homebuyers.
Eligibility Requirements
- Active Pag-IBIG member with at least 24 monthly contributions
- Not more than 65 years old at loan maturity
- No outstanding Pag-IBIG housing loan
- Must have legal capacity to acquire property
Loan Terms
| Loan Amount | Interest Rate | Max Term |
|---|---|---|
| Up to ₱750K | 5.375% | 30 years |
| ₱750K - ₱6M | 6.375% | 30 years |
| ₱6M - ₱9M | 8.375% | 25 years |
Required Documents
- Pag-IBIG Housing Loan Application Form
- Valid IDs (2 government-issued)
- Proof of income (COE, ITR, payslips)
- TCT/CCT copy
- Tax Declaration
- Vicinity map
Application Process
- Submit requirements at any Pag-IBIG branch
- Property appraisal (7-14 business days)
- Loan approval (varies)
- Loan release upon signing of documents
