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9 Pag-IBIG Benefits You Probably Didn’t Know Yet

Venus Zoleta

Venus Zoleta

Last updated June 01, 2022

The Pag-IBIG fund is known for its affordable housing loans. It allows members to get their dream house without having to pay hefty interest rates. However, did you know that there are other Pag-IBIG benefits you can claim? Keep on reading to learn about these benefits and how you can avail them.

What is Pag-IBIG Fund?

Established in 1978, the Home Development Fund (HDMF) is a government-owned and controlled corporation under the Department of Human Settlement and Urban Development. 

Popularly known as the Pag-IBIG Fund, the agency addresses affordable home financing for Filipinos. Apart from housing loans, members can also enjoy numerous Pag-IBIG benefits such as calamity and multi-purpose loans, provident benefits, and death benefits.

How to Become a Pag-IBIG Member Online

  1. To register for membership, go to the Pag-IBIG website at www.pagibigfund.gov.ph.
  2. Click “E-services”. On the next page, select “Membership Registration”
  3. Type in your name and birthdate. This lets Pag-IBIG check their database and ensure you don’t have an existing membership with the agency.
  4. Enter the code at the bottom to avoid spamming. Tap “Proceed” after the code.
  5. Accomplish and submit the application form.

How Much is the Pag-IBIG Contribution?

Your Pag-IBIG contribution depends on your employment status and whether you’re an OFW or. Here’s a quick overview:

Pag-IBIG Contribution for Employees and Employers


Monthly SalaryRate for EmployeesRate for EmployersTotal
At least PHP 1,000 to PHP 1,5001%2%3%
Above PHP 1,5002%2%4%


Pag-IBIG Contribution for Self-Employed


Monthly IncomeRate
At least PHP 1,000 to PHP 1,5001%
Above PHP 1,5002%


Pag-IBIG Contribution for OFWs

This is for OFWs with employers subject to mandatory Pag-IBIG coverage.


Monthly IncomeOFW RateForeign Employer RateTotal
PHP 1,500 and under1%2%3%
Above PHP 1,5002%2%4%


And for OFWs whose employers are exempted from Pag-IBIG coverage.


Monthly IncomeRate
Over PHP 1,5002%


Read more: How to Make Voluntary Contributions to Pag-IBIG, PhilHealth, and SSS

Pag-IBIG Benefits Summary for Contributing Members

1. Pag-IBIG Savings Program

One of the many Pag-IBIG benefits you can get is a savings facility that serves as Pag-IBIG contribution benefits. This is where your monthly contributions go. If you’re an employed Pag-IBIG member, your monthly savings is immediately doubled. It will also grow with more dividends annually. You can earn more dividends by increasing your monthly Pag-IBIG contribution.

You can withdraw your Pag-IBIG regular savings if any of the following occurs:

  • Membership maturity after 20 years or 240 months of contribution
  • Retirement at 60 years old (optional) or 65 years old (mandatory)
  • Separation from service due to health reasons
  • Total disability or insanity
  • Permanent departure from the country
  • Upon death, with legal heirs receiving the savings in addition to death benefit
  • Critical illness of the member or their immediate family member

2. Pag-IBIG MP2 Program

pag-ibig benefits - pag-ibig mp2 savings
Photo from Pag-IBIG Fund website

The Pag-IBIG MP2 program is a voluntary savings facility for active or former Pag-IBIG members who wish to earn even higher annual dividends[1]. You can enroll in this Pag-IBIG savings program even if you already have a regular Pag-IBIG savings membership. MP2 has a minimum savings amount of PHP 500.

Your Pag-IBIG mutual fund investment earns tax-free dividends at a rate higher than the dividend rate of the regular programs. These dividends are from 70% of the Pag-IBIG Fund’s annual net income.

You can receive Pag-IBIG MP2 earnings by:

  • After its five-year maturity period with MP2 dividends compounded annually
  • Through annual pay-out. Your dividends are credited to your savings or checking account enrolled in a Pag-IBIG accredited banks

3. Pag-IBIG Loyalty Card Plus

pag-ibig benefits - pag-ibig loyalty card

One of the many Pag-IBIG benefits you should know is the Pag-IBIG Loyalty Card Plus. Launched in 2014, the Pag-IBIG Loyalty Card program provides additional services and perks to its members. You can enjoy discounts and rewards in more than 300 Pag-IBIG partner establishments.

Here are the steps to apply for a Pag-IBIG Loyalty Card Plus:

  1. Visit the nearest Pag-IBIG branch.
  2. Provide your membership number to be validated by a Pag-IBIG personnel.
  3. Fill out the application form[2] and pay PHP 125 for the card fee.
  4. Have your picture taken and fingerprints scanned.
  5. Once all information is validated, you may claim your Loyalty Card Plus and PIN Mailer.

Read more: Simple Steps to Applying for a Pag-IBIG Loyalty Card

4. Pag-IBIG Housing Loans

The agency is known to offer housing loans to its contributing members. Pag-IBIG, however, offers two housing loan programs—the Affordable Housing Loan (AHP) for Minimum Wage Earners and the End-User Home Financing Program (EUF).

Affordable Housing Loan (AHP)

  • Loan amount: Up to PHP 750,000
  • Interest rate: 3% per annum

End-User Home Financing Program (EUF)

  • Loan amount: Up to PHP 6 million
  • Interest rate: 5.5% per annum

Housing Loan Requirements:

  • Must be an active member with at least 24 months of contribution
  • Not more than 65 years old
  • Housing Loan Application (HLA) form[3]
  • With gross monthly income of at least PHP 14,000 (for AHP Program)
  • Proof of income
  • Two valid IDs
  • Tax declaration
  • Vicinity map

Read more: How to Apply for a Pag-IBIG Housing Loan

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5. Pag-IBIG Mortgage Redemption Insurance

When you get a Pag-IBIG housing loan, you’re required to get Mortgage Redemption Insurance (MRI). This non-life insurance from Pag-IBIG ensures that your mortgage is covered in the event of death or critical illness. However, you need to pay for the MRI premiums yourself.

6. Pag-IBIG Calamity Loan


If you live in an area affected by a calamity, you can apply for a Pag-IBIG calamity loan. This is one of the many Pag-IBIG benefits you can enjoy as a member. It aims to aid members in calamity-stricken areas in case of flood, fire, or any other disaster. You can borrow up to 80% of your total Pag-IBIG savings, consisting of your monthly contributions

Take note that your area must be declared under a state of calamity by the Office of the President or your Local Sanggunian. You should also file for a calamity loan within 90 days of the declaration of a state of calamity. However, if you have an existing Pag-IBIG loan, your payments must be updated to take this Pag-IBIG benefit.

Calamity Loan Requirements:

  • Must be an active member with at least 24 months of contribution
  • Area must be declared under state of calamity
  • Calamity Loan application form[4]
  • Two valid IDs

Read more: Handy Guide to Pag-IBIG Calamity Loan Online Application

7. Pag-IBIG Salary Loan

Do you know that Pag-IBIG also offers a salary loan? Also known as the Pag-IBIG multi-purpose loan, this Pag-IBIG benefit is a short-term loan you can use to fund a home renovation, bills payments, tuition and many other loan purposes. You can borrow up to 80% of your total Pag-IBIG Savings, payable in 24 months.

Salary Loan Requirements:

  • Must be an active member with at least 24 months of contribution
  • Multi-Purpose Loan application form[5]
  • Two valid IDs

Read more: Pag-IBIG Salary Loan Application Guide for Filipino Borrowers

8. Pag-IBIG Provident Benefits

As a contributing member, you can get your Pag-IBIG savings upon retirement at age 60 (optional) or 65 (mandatory). You can also claim for provident benefits if you’re at least 45 years old. However, your contributions must be equal to 20 years or 240 months to be eligible.

Provident Benefits Requirements:

  • Must be between 45 to 65 years old
  • At least 20 years or 240 months of contribution
  • Provident Benefits (APB) Claim form[6]
  • Two valid IDs
  • PSA birth certificate
  • SSS or GSIS retirement voucher
  • Notarized Certificate of Early Retirement (for private employees aged 45 to 65)
  • Order of Retirement, Updated Statement of Service, and State of Last Payment (for Navy, Army, and AFP members)

9. Pag-IBIG Death Benefits

If you are a legal heir or beneficiary of a deceased Pag-IBIG member, you can claim for death benefits if the member did not claim their savings benefits when they were still alive. Pag-IBIG doesn’t offer funeral or burial benefits, unlike SSS, where death benefits and retirement benefits are separate.

Death Benefits Requirements:

  • Death Certificate of member issued by PSA
  • Notarized Proof of Surviving Legal Heirs
  • Certificate of No Marriage (CENOMAR), if applicable
  • Marriage Contract, if applicable
  • Notarized Affidavit of Guardianship
  • Other documents that may be required

Pag-IBIG Benefits Application

How to Apply for Pag-IBIG Housing Loan

  1. Prepare all necessary documents for the loan application
  2. Go to the nearest Pag-IBIG branch and submit your documents and accomplished HLA form.
  3. Pay the PHP 1,000 processing fee
  4. Wait for your Notice of Approval or Letter of Guarantee
  5. Then, get your loan proceeds

How to Apply for Pag-IBIG Calamity or Multi-Purpose Loan

  1. Complete the forms available in the Pag-IBIG fund website.
  2. You can print the form, sign it, and scan it. However, you can leave the signature part if you wish.
  3. Send the accomplished form and a copy of your valid ID to the nearest Pag-IBIG branch or your to your company’s HR representative.

How to Claim Pag-IBIG Provident or Death Benefits

  1. Go the nearest Pag-IBIG branch and submit your accomplished Application for APB form
  2. You must also bring the required documents to be submitted
  3. Wait for your claims to be released
  4. Application is typically processed in eight to 20 working days

What is the Pag-IBIG Fund Hotline?

If you have immediate concerns and inquiries, you may reach Pag-IBIG at 724-4244 (Pag-IBIG). Pag-IBIG will give your complaints/inquiries considerable attention according to the following:

DurationNature of Concern
1 HourPag-IBIG Hotline Queries
3 Working DaysSimple queries (general information)
10 Working DaysPolicy and Loan Queries (Queries that require coordination with other Pag-IBIG Offices)

Final Thoughts

Knowing about Pag-IBIG benefits can help you maximize your membership. Aside from a mortgage, you can get a calamity or multi-purpose loan from the agency. You may also get provident or retirement benefits if you’re at least 45 years old. The agency’s regular and MP2 savings programs can also help you earn high dividends annually.

Personal loan in the Philippines


Venus leads the blog content strategy and optimization at Moneymax as the Head of Editorial Content. She has 15+ years of experience in content marketing, corporate communications, and public relations. Venus graduated cum laude with a Journalism degree from the University of the Philippines Diliman. Before joining Moneymax, Venus had written informative guides and articles, specializing in personal finance and digital marketing. She also invests in stocks, mutual funds, VUL, and Pag-IBIG MP2. A hardcore Hallyu Tita, she enjoys bingeing K-dramas on Netflix while bonding with her rescued cats. Follow Venus on LinkedIn.


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