Pag-IBIG Online Registration Process & Contribution – 2019

Pag-IBIG Online Membership Registration 2019

Table of Contents

What does Pag-IBIG stand for?

Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industria at Gobyerno. To avoid confusion, Pag-IBIG is actually one and the same with the Home Development Mutual Fund or HDMF in short, which is corporation-owned and also controlled by the Philippine government.

Pag-IBIG Fund Benefits & Programs

Many people are in doubt about PAG-IBIG fund program. But what’s really inside of PAG-IBIG that makes it worthy for all Filipinos? Well, this program is divided into three categories:

  • Housing Loan
  • Short Term Loan
  • Provident Savings

All Filipinos are eligible to enjoy PAG-IBIG fund benefits & programs.

Housing Loan

PAG-IBIG is best known for its housing loan category. They provide affordable financing to Filipinos who dream to have a decent place to live. PAG-IBIG is have a partnership with local Real Estate Developers in the Philippines, making it possible for Filipinos to avail a house through their loan program.

Short Term Loan

PAG-IBIG also provide short-term cash loan for its members, which is classified in two types. 

Calamity Loan

This type of loan caters people who experienced casualties due to calamity or disaster (flood, fire, etc.) This serves as a financial aid after the occurrence of a calamity or disaster.

Multi-purpose Loan

Everyone has needs to cover, and sometimes a monthly paycheck isn’t enough. This type of loan is for people who want to borrow money for all sorts of reasons, it can be a personal purchase or a capital for business. Related: Virtual Call Center Jobs in the Philippines

Provident Savings

PAG-IBIG also provides savings program, which is known as provident savings. The employee’s monthly savings which includes employer’s share and total annual dividend earnings make up the TAV or Total Accumulated Savings. 

The member will be able to claim the provident savings after 20 years (membership maturity) with 240 monthly contributions, event disability, retirement, and termination from work due to health reasons, a departure from the country, or even death.


  • Tax-free earnings from annual dividends
  • Savings are guaranteed safe by the government
  • Portability of savings- if the member is transferring from government to private sector, they can easily continue their savings/contribution

Pag-IBIG Contribution Table
[Updated December 2019]

Here’s how your contributions to Pag-IBIG are calculated.

Monthly Contribution (%) of Monthly Compensation
Employee Share Employer Share
P1,500 or less 1%
Over P1,500 2%

How much housing loan can a member acquire from PAG-IBIG based on their contributions?

Monthly Contribution Loan Amount
P200 Up to P500,000
P250 P500,000 – P600,000
P300 P600,000 – P700,000
P350 P700,000 – P750,000
P400 P800,000 – P900,000
P450 P900,000 – P1,000,000
P500 P1,000,000 – P1,100,000
P550 P1,100,000 – P1,200,000
P600 P1,200,000 – P1,300,000
P650 P1,300,000 – P1,400,000
P700 P1,400,000 – P1,500,000
P750 P1,500,000 – P1,600,000
P800 P1,600,000 – P1,700,000
P850 P1,700,000 – P1,800,000
P900 P1,800,000 – P1,900,000
P950 P1,900,000 – P2,000,000
P1,000 P2,000,000 – 2,100,000
P1,500 P3,000,000 – P3,100,000
P2,000 P4,000,000 – P4,100,000
P2,500 P5,000,000 – P5,100,000
P2,950 P5,900,000 – P6,000,000

How much is the minimum contribution?
The minimum monthly contribution for Pag-IBIG is Php200 and the maximum will be Php2,950.

How many years of contributions to qualify for Pag-IBIG Loans?
In order to be qualified for Pag-IBIG loan, the member must have accomplished at least 24 months of contributions.

How to compute Pag-IBIG contributions?
An employee earning Php 5,000 or higher per month will have a deduction of 2%. The deduction will be shared by both employee and employer. The combined amount will be your total monthly contribution to Pag-IBIG.

Note: Employer and employee will share top at Php 100 each.

How does Pag-IBIG earn money?
The Home Development Mutual Fund or Pag-IBIG is like the usual Mutual Fund, which gets invest contributions from its members in variety of financial platforms. Their goal is to grow and earn with the said capital.

How to increase Pag-IBIG contributions?
If you are an employed member, reach out to your company’s HR department and that you would like to contribute more than the minimum monthly contribution of Php100.

The process will be simple as you only need to sign a form for an increase contribution request. OFW and self-employed members don’t need to complete this paperwork, they can just simply increase their monthly contributions. 

Pag-IBIG Fund Requirements

In order to be a member of Pag-IBIG, you need to submit the following requirements:


(Professionals, Freelancers, Small Business Owners, Consultants)

  • Two (2) 1×1 ID picture
  • Latest Income Tax Return with CPA-certified Financial Statement from the previous year
  • Certificate of remittance or ESAV (for old members)
  • DTI or SEC Registration (Under your name)
  • Mayor’s Permit or Business Permit

Self-Paying Employees

(for individuals who opt to pay their contributions on their own)

  • Company ID
  • Certificate of Employment and Compensation
  • Latest Pay Slip

Self-Employed Professionals

(for professionals with government-issued licenses practicing their expertise) 

  • PRC or BAR License
  • Latest ITR from the previous year
  • Certificate of Remittance or ESAV (this is for old members)
  • Two (2) 1×1 ID photos

Franchise Owners

(for individuals who own franchises of businesses)

  • Latest ITR from the previous year
  • Franchise Permit (under the person’s name)
  • Official Receipt or Car Registration (under yourname)
  • Certificate of Remittance or ESAV
  • Two (2) 1×1 ID photos

Read more: NBI Clearance Online Application & Registration Guide 2019

Member-Spouse with Business

(for unemployed individuals but married to someone who owns a business)

  • DTI or SEC Registration
  • Mayor’s Permit or Business Permit
  • Affidavit of Unemployment
  • Latest ITR (from the previous year)
  • Certificate of Employment
  • Compensation of the member-spouse (notarized)
  • Written consent from the member-spouse
  • Two (2) 1×1 ID photos

Unemployed Spouse

(for individuals who are currently unemployed but married to an active member through his/her employer)

  • Affidavit of Unemployment
  • Certificate of Employment and Compensation of the member-spouse
  • Written consent from the member-spouse

Overseas Filipino Workers (OFWs)

(Filipinos who work abroad or reactivating members)

  • Latest Contract of Employment with POEA stamp
  • POEA License, passport, or any valid ID
  • Certificate of Remittance or ESAV
  • Two (2) 1×1 ID photos
  • Special Power of Attorney – for authorizing a representative to submit the requirements and pay the contributions.


(for individuals who are currently unemployed but want to continue their contribution)

  • Affidavit of Unemployment

Pag-IBIG Online Registration


Visit Pag-IBIG Fund’s Website

Using your phone or computer, go to and click the “Online Services” tab.

Go to the Membership Registration Page

Click on “Membership Registration” and you will be redirected to a form.

Pag-IBIG Online Registration

Enter your Personal Details 

Fill up the form with your name and date of birth. Then the system will check if you already have an existing account. They will provide a code which you can use to proceed on the next page.

Pag-IBIG Online Membership Registration

Complete the Application Form 

Now you must complete your Pag-IBIG online application form. Make sure that you will complete this thoroughly and accurately.

Complete the Pag-IBIG Membership Registration

Submit your Details

Once you’ve completed all the required fields, check the details for errors, then submit your online registration form. After this, you will be redirected to a new page confirming your successful registration. As soon as the confirmation page flashes on your screen, a SMS confirmation will be sent to you.

You will get a Pag-IBIG RTN (Registration Tracking Number), which can help you track the progress of your registration. The RTN can also serve as your temporary Pag-IBIG ID number).

Note: It usually takes 2 working days before you get verified, then you can have your permanent Pag-IBIG MID Number.

How to Get your Pag-IBIG MID Number:

Follow these easy steps on how to get Pag-IBIG Number. Send SMS using this format:

IDSTAT<space>[Your RTN Number]<space>[Birthdate MM/DD/YYYY]
Example: IDSTAT 123456789101 08/28/1990

And send it to:

  • 0917 888 4363 [Globe & TM]
  • 0918 898 4363 [Smart & Talk N Text]

How to pay for Pag-IBIG contributions:

  • Over-the-counter at the nearest Pag-IBIG branch office.
  • Banks (for Overseas remittance: PNB and AUB)
  • Automated billing through VISA or MasterCard credit cards
  • Cashless payment systems like Coins.PH and Globe GCash
  • SM Business Centers, Save More and SM Hypermart
  • Bayad Center outlets

How to check Pag-IBIG Contribution Online


Go to Pag-IBIG Funds website

Type, then click the tab for “OFW Member’s verification”

Enter the details.

Pin your MID number. 

Click on “View Membership Savings”.

If you get an error message, try using another internet browser version. 

After that, you will be redirected to another page showing your contribution report.


6 Tips to Maximize your Pag-IBIG Benefits:

1. Treat your Pag-IBIG contributions as Assets, not “just” a mandatory deduction from your monthly salary.

2. PAg-IBIG contributions must be up to date

3. Get Pag-IBIG Savings Program 

Monthly Contribution Return in 5 YRs Return in 10 YRs
P500 P34,921.79 P81,655.02
P1,000 P69,843.58 P163,310.05
P1,500 P104,765.37 P244,965.07
P2,000 P139,687.16 P326,620.10
P5,000 P349,217.90 P816,550.25
*If dividend is set to 6% by Pag-IBIG

4. Higher Contributions = Higher dividends from savings and higher approval rates for qualifying for bigger loans 

If you are contributing more than the minimum amount, it will increase your chance of getting approved for bigger loan amounts. And also, the more amount you put in your savings, the higher dividends you get in the future.

5. Grab a Pag-IBIG Loyalty Card 

Yes, Pag-IBIG does have loyalty card. You can fill out this form and submit to the nearest Pag-IBIG branch in your area.

  • 5% to 50% discount on medicine
  • 10% to 20% tuition fee discount
  • 10 pesos off your LPG purchase

6. Contribute in lump sum to quickly become eligible for their loan program 

Here’s another tip most members are not aware of. You can actually pay for the full 24-month contribution upfront, enabling you to become a member and be eligible for loans, without the need to wait for 2 years! Cool, huh?

Step-by-step guide to getting a Pag-IBIG housing loan


How to get a Pag-IBIG Housing Loan

1. Determine the purpose of your loan

Pag-IBIG housing loan can help you in buying a residential house and lot or condominium, and even doing major home renovations. Choose the option that will fit your needs.

2. Choose the Pag IBIG housing loan program that matches your current income level.

You may choose between two payment programs: affordable housing loan program and the regular housing loan program.

 Keep in mind that though that the loanable amount will depend on Pag-IBIG’s assessment of your application.

So while there is a Pag-IBIG Fund Housing Loan Affordability Calculator available online, it can only give you a rough estimate of what you can get and not the exact amount.

3. Confirm your eligibility

See to it that you are actually eligible for the loan. There are certain requirements you have to meet such as:

  • Pag-IBIG fund members should have at least 24 months at the time of the application
  • Pag-IBIG fund members must have regular contributions for at least 12 months and should be able to complete the rest of the contributions needed via lump sum payment
  • Not being older than 65 years of age during application and not older than 70, at the time of loan maturity
  • Must have legal capacity to acquire property
  • No pending Pag-IBIG calamity or multi-purpose loan.
  • Must pass the background check by Pag-IBIG
  • No previous Pag-IBIG housing loan under your name (default, foreclosed, surrendered, or canceled.)
  • Having an up-to-date existing Pag-IBIG housing loan, if one intends to apply for an additional loan.

4. Make sure to meet all the requirements.

Apart from seeing to it that you’re eligible, you have to submit the fees and documents needed for the application process, and upon the loan’s release.

Pag-IBIG Housing Loan Requirements
  • Fees: Php1,000 (for processing)  

Php2,000 (for appraisal)

Php1,000 for re-filing or reevaluation (if applicable).

  • Completed housing loan application form 
  • Proof of income
  • Photocopy of one valid ID of the following parties involved (front and back):
    • principal borrower and spouse
    • co-borrower and spouse
    • seller and spouse
    • developer’s authorized representative/Attorney-in-Fact
    • owner of the title (for accommodation mortgage)
    • Updated certified true copy of the transfer certificate of title (TCT)
    • Current tax declaration of house and lot and real estate tax receipt. (Photocopy)
    • Property sketch or map
Additional Pag-IBIG Housing Loan Requirements for Employees
  • One-month payslip from the last three months before the date of applying.
  • Income Tax Return plus BIR Form No. 2316 stamped by the BIR.
  • Notarized Certificate of Employment and Compensation 
Additional Pag-IBIG Housing Loan Requirements for Employees
  • Official receipt of tax payment issued by the bank, audited financial statements, income tax return. All these must be submitted in concurrence with your business permit or mayor’s permit, and your DTI Registration.
  • For earnings coming from foreign remittances and pensions, a copy of passbook or bank statements containing transactions for the last 12 months.
  • Commission vouchers from the past 12 months bearing the issuer’s name and contact details.
  • Certified True Copy of Transport Franchise from an authorized government agency
  • For earnings coming from rental payments, a copy of the lease contract and tax declaration.
  • Certificate of Engagement from the business owner.
  • Other pertinent documents as proof of where your income comes from
Additional Requirements for Overseas Filipino Workers (OFW):
  • Certificate of Employment and Compensation (CEC)
  • Employment Contract (between you and the employer or you and the POEA).
  • Income Tax Return registered with the OFW’s host government

If you want to see the complete list of requirements for a housing loan with Pag-IBIG, click here.

5. Submit your requirements to Pag-IBIG

You can set an appointment online or walk in the branch nearest you. Those who have an appointment can take advantage of a priority lane wherein they can process their documents faster.

How to Apply for Pag-IBIG Housing Loan Online

  1. Click the E-Services button and choose Housing Loan Application.Pag-IBIG Fund Services
  2. You will be redirected to a page briefly describing how the process will work. Read and click “Continue”.Pag-IBIG Online Housing Application Form
  3. Choose “Apply for Housing Loan” from the options on your screen.Apply for a Housing Loan with Pag-IBIG
  4. Complete all the information required.Submit Online Housing Loan Application
  5. Select which Pag-IBIG branch office to submit your documents and other requirements.
  6. Hit the “Submit” button.

Wait for the Housing Loan Application Tracking Number and the appointment schedule that you will receive via text and via email respectively.

How to apply for Pag-IBIG Housing Loan Over-the-Counter

  1. Present two copies of the application form and the other requirements.
  2. Prepare the processing and appraisal fees.
  3. Present your receipt to the Members Services Support Division-Servicing Department or submit at the Loans Origination-Housing Business Center/Members Services Branch counter.
  4. Wait for your Housing Loan Application Acknowledgment Receipt 
  5. Wait for your Pag-IBIG housing loan approval. If approved, you will receive a call letting you know your pick-up schedule. If Pag-IBIG fund send back the documents you’ve submitted with a notice of disapproval, your request was denied.

After Your Pag-IBIG Housing Loan Gets Approved

  1. Once your Pag-IBIG housing loan is granted, go to the designated office for pickup of your Notice of Approval and Letter of Guaranty (if applicable).
  2. Receive and sign your loan documents.
  3. Submit your notarized NOA requirements within 90 days and wait for the check to be released.
  4. Pay your monthly amortization in coming months.

What to do if you have missed payments in your Pag-IBIG housing loan?

Missed payments or arrears in your PAG- IBIG housing loan can give you sorts of problems in the future. And if your arrears accumulate, it can even result to cancellation and foreclosure of your property.

  1. Request for your statement of account and take note of everything you need to pay and when.
  2. Decide if you want to retain ownership of your property, apply for loan restructuring which will give you a new arrangement that can retain your property.

Step-by-step guide to getting a short-term loan

  • Download and fill out the Pag-IBIG Multi-Purpose Loan Application Form (MPLAF). 
  • Present two valid IDs and proof of income.
  • If you’re employed, have your employer complete the certificate of monthly net income provided at the back of your MPLAF. Likewise, you can provide a photocopy of your payslip for a month. Make sure to get it authenticated. You’ll also need an authorized representative from your company to sign your MPLAF. And provide your SSS or GSIS Number, Pag-IBIG Employer ID Number, and agency code and branch code of the Pag-IBIG branch you prefer.
  • If self-employed, submit business mayor’s permit, commission vouchers and other documents relevant to proving your income.
  • Submit your accomplished application form and other requirements. This takes 1-2 weeks.

Step-by-step guide to enrolling in Modified Pag-IBIG II

  • Register online through MP2 Enrollment System.
  • Remember your MP2 account number, print your registration form, then submit to the designated Pag-IBIG branch.
  • OFWs will also do the same process, though they can assign a relative to pay for them. They may also pay overseas through authorized Pag-IBIG remittance partners.
  • Wait for five years to withdraw your savings and every two years to get the dividends.

How to update your Pag-IBIG registration information:

Pag-IBIG registration information online is not available at this moment. However, you can still be able to update your records by going to any Pag-IBIG branch near you. 

Here’s how:

  • Download the Member’s Change of Information form or MCIF under the website’s Downloadable Forms.
  • Fill up all the necessary fields.
  • Bring supporting documents and two valid IDs. 
  • Submit your accomplished MCIF to the branch near you. Office hours are from 8:00 AM to 5:00 PM, Monday to Friday.

All About Pag-IBIG acquired assets

Everyone knows about Pag-IBIG loans and saving programs, but only few are talks about how they enable prospective homeowners to buy properties at a cheaper price, which is by auctioning Pag-IBIG acquired assets.

It is typically auctioned to the public at a way more affordable price in an effort to get back the defaulted home loan. Though they are not new, these make good investments since acquired assets are being sold for a cheaper price.

Tips for Buying a Pag-IBIG Acquired Property


Know everything you can about the property.
Gather information from neighbors, meet up with former owners, and seek help from legal experts. This will clear up your mind about the real condition of the property or area.

Be mindful of the expense.
Check possible hidden cost.

Do an ocular.
You need to see the property in flesh to inspect the house or unit, as well as the area surrounding it.

Have an expert look at it.
Bring a real estate expert upon visiting.

Final Thoughts

Prepare for the future, give your family a comfortable life and a decent house to live in. Pag-IBIG Fund can help you to have affordable housing and short-term loans, which comes with a secure form of saving money.

0/5 (0 Reviews)