Pag-IBIG Housing Loan
Updated: August 15, 2025 · Government Services
Pag-IBIG Housing Loan Application Guide 2025 — Step-by-Step How to Apply
A complete guide to applying for a Pag-IBIG housing loan: eligibility, required documents, step-by-step application process, tips, warnings, and FAQs for 2025.
Eligibility Requirements
- Active Pag-IBIG membership for at least 24 months
- Age 18–65 years old at time of application
- Sufficient income to cover monthly amortization
- No outstanding Pag-IBIG obligations
Required Documents
Personal Documents
- Valid government-issued ID
- Marriage certificate (if married)
- Birth certificate (for single applicants)
- Proof of income (salary slips or ITR)
Property Documents
- Contract to sell or reservation agreement
- Updated property tax declaration
- Approved building plans (if applicable)
Loan Computation
- Maximum loan: ₱6 million for members earning up to ₱50,000/month
- Loan term: Up to 30 years (age-dependent)
- Interest rate: 6.125%–8.5% annually
Tip: Use the Pag-IBIG loan calculator.
Application Process
- Fill out the Housing Loan Application Form (HLAF)
- Attach all supporting documents
- Submit at nearest Pag-IBIG branch or via e-Services
Verification & Appraisal
- Credit and contribution history verification
- Property appraisal to determine market value
- Loan approval notice after verification
Common Mistake: Pre-approval does not guarantee disbursement.
Loan Agreement & Fund Release
- Receive Letter of Conditional Approval (LCA)
- Sign Promissory Note and other loan documents
- Funds released to seller or developer
Monthly Amortization
Pay monthly amortization on time via Pag-IBIG branches, online portals, or authorized banks.
Warning: Late payments may incur penalties or affect credit rating.
Tips & Common Mistakes
- Maintain active contributions to improve eligibility
- Prepare complete documents to avoid delays
- Check credit history before applying
- Choose a property with proper legal documentation
- Avoid submitting outdated or incorrect IDs
FAQs
Who can apply for a Pag-IBIG housing loan?
Any Filipino citizen aged 18–65 with at least 24 months of Pag-IBIG contributions and sufficient income can apply.
How long does the loan approval process take?
Loan approval typically takes 2–4 weeks, depending on document completeness and property appraisal.
Can I refinance my existing Pag-IBIG housing loan?
Yes, Pag-IBIG allows refinancing for outstanding housing loans under specific conditions.
What is the maximum loanable amount?
For most members, the maximum loanable amount is ₱6 million, depending on income and contributions.
Can self-employed individuals apply?
Yes. Self-employed applicants must provide proof of income such as ITR or financial statements for at least 2 years.
Find Pag-IBIG Branches Near You
LocalFindPH lists nearby Pag-IBIG branches for your convenience.
Disclaimer: Pag-IBIG policies and rates may change. Verify directly with the official website.