How to avail a Pag-ibig Housing Loan?


Availing a housing loan thru Pag-ibig is made even simpler, there are two (2) modes in availing it.  First, the developer-assisted program, the real estate developer will be the one to assist and process the member’s loan application and the second one is the retail, the member applies directly to the government’s Home Development Mutual Fund.

To qualify for a Pag-IBIG housing loan, a member shall satisfy the following requirements:

  1. On Pag-IBIG Membership:
    • Must be a member for at least twenty-four (24) months at the time of loan application.
    • A member with less than the required number of contributions, shall be allowed to make a lump sum payment to satisfy the required two (2) years contribution.
  1. Not more than sixty-five (65) years old at the date of loan application and must be insurable; provided further that he is not more than seventy (70) years old at loan maturity;
  2. Has the legal capacity to acquire and encumber real property;
  3. Has passed satisfactory background/credit and employment/business checks of the Pag-IBIG Fund;
  4. Has no outstanding Pag-IBIG housing loan, either as a principal borrower or co-borrower;
  5. Had no Pag-IBIG housing loan that was foreclosed, cancelled, bought back due to default, or surrendered.
  6. Has no outstanding Pag-IBIG multi-purpose loan in arrears at the time of loan application.

Please also take not of the following processing fees:

  • P1,000.00 – upon filing of the housing loan application with required documents (non-refundable)
  • P2,000.00 – appraisal fee, also upon filing of the loan application (non-refundable)
  • P2,000.00 – upon take-out (deducted from the loan proceeds)


You ought to know the requirements needed in applying for a housing loan, you may take a look at this list:

  1. Housing Loan Application with recent ID photo of the borrower/ co-borrower;
  2. Proof of income;
  3. One (1) valid ID of the principal borrower and spouse, co borrower and spouse;
  4. Transfer Certificate of Title (TCT), it must be the latest title and be a certified true copy.  For condominium unit, TCT of the land and Condominium Certificate of Title (CCT), both certified true copies;
  5. Updated Tax Declaration (House and Lot) and Updated Real Estate Tax Receipt;
  6. Contract to Sell or similar agreement between the buyer and seller.
  7. Vicinity Map/Sketch of the Property.

Even if you are outside the country, you can now apply a housing loan by visiting the link below:

We at Gabriel Realty & Brokerage are hoping that this little information may guide you in availing a housing loan at pag-ibig and have the opportunity to own the house or condo of your dream!

Decided to buy a property? Contact us at (+63) 943.312.5445 and let’s discuss how can we help you on your real estate needs.


Licensed Real Estate Broker
PRC Lic. No. 0020332

Licensed Real Estate Broker
PRC Lic. No. 0020331




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