Pag-ibig Membership — Voluntary or Individual Payor

May 15, 2011 · Filed Under investment, Pag-ibig 

Updates as of November 22, 2012:

Before going to the nearest Pag-ibig branch, you must first get your Pag-ibig MID No. online. Sabi ng Pag-ibig, kelangang meron ka nang Pag-ibig MID No. for all transactions sa branch nila.

MID means Member’s Identification No.

Go to
Then click Membership Registration
Choose Register as New Member
Click Continue
Then fill up the online Registration Form. Kung gusto mong tingnan kung anong information ang kelangan sa form, click mo ito: Pag-ibig Online Registration Information

After you click SUBMIT, you will receive your Registration Tracking No. thru text or email. Keep this number.

The next day or on the second day, go again to E-SERVICES, then Member Registration, and then choose View Registration Information. You will use here the registration tracking no. you have received.

You will then see your PAG-IBIG MID No. Copy it, and then bring this to the nearest Pag-ibig branch. Show your IDs and any proof of your source of income, and then pay your first Pag-ibig contributions. Tanungin mo na rin kung saan ka puedeng magbayad bukod sa Pag-ibig branch.


How to be a Voluntary Pag-ibig Member

There are two types of membership:

  • Mandatory
  • Voluntary or Individual Payor.

I’ll be talking about the Voluntary type or Individual Payor type.

Who can apply for Voluntary of Individual Payor membership?

You can be a Voluntary member if:

  • You’re a Filipino aged 18 to 65 years old
  • You can pay the monthly contribution.
  • You’re not working with a company or organization covered by Mandatory coverage.

Examples of individuals who can apply:

  • Former employees or former OFWs who like to continue their Pag-ibig membership
  • Housewives or househusbands
  • Filipino employees of foreign organizations not under mandatory coverage
  • Employees of organizations not under mandatory coverage
  • Members and leaders of religious groups
  • Pensioners or retirees
  • Barangay officials
  • Other public officials not covered by GSIS
  • Other individuals who have money to pay the monthly contribution

How do you apply for membership?

1. Go to a Pag-ibig branch or an extension office. Bring at least one valid ID and a pen.
2. Ask the guard where to apply for Voluntary membership.
3. You will be assisted by a Members Services Officer (MSO).

Note: Merong konting pagkakaiba ang processes among the branches, kasi may branch na maraming tao, merong konti. May branch na online, merong hindi.

4. Puedeng the MSO will first go over your records via the computer, or you will be asked to fill up two copies of the Member’s Data Form (MDF) immediately.

5. You will be given a copy of your accepted MDF and instructions about your monthly payments.

Meron na ring HDMF Online Registration System:

This is still new, so the processing is not yet complete. You still have to complete your application at a branch or extension office.


If you surf the Pag-ibig website, you are asked to bring only a valid ID when you want to enroll.

But when I went recently to the Pag-ibig Fund Buendia Makati branch, I was told to submit the following requirements depending on my employment status. Click here to see the requirements you need to submit to apply as Voluntary member or Individual Payor.

Related Articles:

PAG-IBIG Branches in Metro Manila, Cavite, Laguna, Bulacan

Pag-ibig Benefits — Retirement Claims

Pag-ibig Retirement in the Philippines — Process Your Claims Quicker



144 Responses to “Pag-ibig Membership — Voluntary or Individual Payor”

  1. Nix on February 8th, 2013 6:17 pm

    Hello, ask ko lang. Pinapaenroll ulit ako ng HR namin tru online membership so the tendency I’ll have another Ref tracking nmber and maybe new PAGIBIG #. Maccarryover ba yung previous contributions ko dun from my previous PAGIBIG #? Thanks!

  2. Nors on February 9th, 2013 10:52 pm

    Hi Nix, pag magregister ka uli, the same Pag-ibig MID no. din yong ibibigay sa iyo, as long as the same personal info such as name, birthdate, birthplace, etc. best regards

  3. Mae on February 13th, 2013 10:15 pm

    Hi! I worked before with 2 different companies. not sure if they remitted my contributions. They didn’t give me any no. and I didn’t fill up any form. What documents should I present if I want to pay as voluntary or individual payor? As of now po I’m back to school. Want to save as early as possible. Thanks!

  4. Nors on February 15th, 2013 6:33 am

    Hi Mae, congrats for going back to school and for wanting to save. First, get your Pag-ibig MID no. at If you were given a Pag-ibig MID no. before, it would be the same Pag-ibig MID no that will show up after your registration.
    To continue as voluntary, bring your MID no. and certificate of separation, or any document proving you worked previously (not sure if they’re strict with this…because my husband didn’t bring any document, and he was able to continue paying his contributions), and pay your contributions.

  5. mitch on February 15th, 2013 5:52 pm

    hello po.gud eve, want to ask how I can apply to be a Pag-ibig member so I can save. hoping I can apply as voluntary..thanks ill wait your response thank you..

  6. Nors on February 16th, 2013 10:15 am

    Hi mitch, because this is your first time, you need to show proof of your source of income, such as business permit, DTI registration, receipt of sales commission, direct marketing ID or certificate, or affidavit of source of income. Bring also your IDs. Before you go to Pag-ibig, register online at to get your Pag-ibig MID no.

  7. darwin on February 16th, 2013 4:41 pm

    Ate nors,
    Naguguluhan po kasi ako dito sa pag ibig fund, di po gaya ng SSS madaling intindihin, kasi po kada alis ko ay nag babayd ako ng pag ibig fund sa POEA ang problema di ko naman alam kung narerecord ba o hinde, ni hinde ko alam ang number ko, basta nag babayad lang ako para makuha ko lang yung OEC ko. bayad lang ako ng bayad ng pag ibig kada alis ko, paki explain nga po as akin itong pag ibig na ito


  8. Nors on February 17th, 2013 12:17 am

    Hi james/darwin, you can get your Pag-ibig MID no at Here’s the procedure: After getting your MID no., you can check your contributions at the Pag-ibig website. Saving with Pag-ibig is good. The interest rate is higher than that offered by banks, but you can get your savings only at age 60 or at age 45 if you have accumulated a total of 240 contributions. If you like Pag-ibig 2, you can get your savings after 5 years.

  9. jeniffer on February 21st, 2013 7:12 pm

    hi ate nors how can i pay my pagibig contribution without mid number. i registered in poea san fernando pampanga. i already paid my 6 months contribution binigyan lng nila ko ng receipt of payment. now i want to pay my contribution again hnd ko alam kung paano because i dont have a mid number. thank you in advance

  10. jeniffer on February 21st, 2013 7:20 pm

    i paid my contribution in poea during my registration

  11. Nors on February 22nd, 2013 6:42 am

    Hi jeniffer, register at so you can get your Pag-ibig MID no. This is the process: Then later on, you can click your contributions online and check if your payments via POEA were credited.

  12. JUN FEL E.ABLAZA on February 22nd, 2013 9:46 pm


  13. Nors on February 23rd, 2013 3:31 am

    Hi Jun, do you mean you have registered online and you have obtained your Pag-ibig MID no.? If you have your Pag-ibig MID no., you need to go to the Pag-ibig branch nearest your residence and show your IDs and proof of your source of income. Look at these papers: Some say that a certification from the barangay about your source of income is also accepted.

  14. James on February 23rd, 2013 11:06 pm

    Hi maam. I’ve already registered with the PAG-IBIG fund online. I have an MID number already but I can’t check my contributions at the PAG-IBIG website because I don’t know where to find it. Do you know how to check one’s contributions? Please reply ASAP. Thank you very much.

  15. James on February 23rd, 2013 11:30 pm

    Oh, I forgot to ask another question. Do you know how to determine the PIN when you want to update your registration information in the HDMF Online Registration System once you already have an MID number? (the last option, the 4th one) I never knew my PIN ever since I registered and obtained my MID number. Thanks again.

  16. Nors on February 24th, 2013 7:59 am

    Hi James, sorry, checking of contributions is not yet for all. It’s only for OFWs as of now. If you’re OFW, just go to the Pag-ibig website, then click E-Services then OFW.

  17. Nors on February 24th, 2013 8:10 am

    Hi James, the updating portion of the Pag-ibig system is not yet working. If the change is urgent, update at your branch. The PIN is issued only via the HDMF card, which is usually issued via employers. You can also get yours at the branch where your MID was generated. Or inquire at your branch. Anyway, the important no. is the Pag-ibig MID no.

  18. Piningarci on March 3rd, 2013 3:19 pm

    Maam, if 210 po sa Philhealth, magkano po ang monthly contribution dito sa Pagibig? Base po ba it sa monthly salary ko? Or my fix rate din? Thanks a lot.

  19. Nors on March 4th, 2013 11:34 am

    Hi Piningarci, the contribution amount for employers is 100 pesos per month, for all employees earning at least 1,500 a month; the same deduction for those earning 5k, or 10k or 20k or more. For employees, the contribution is also 100 pesos per month, but employees can ask their HR to increase their deduction for Pag-ibig contributions to 150 pesos or 200 or more, if they plan to save more.

  20. Marifie pregua on March 5th, 2013 8:24 am

    Good morning,ask ko lang po mag kano po ba yung ibabayad ko sa pag ibig fund,nag register po ako sa online.individual payor po ako.

  21. Nors on March 5th, 2013 2:08 pm

    Hi Marifie, you can start with 200 pesos per month. But before you pay, you should go first to the nearest Pag-ibig branch with your IDs, Pag-ibig MID no. and your proof of source of income.

  22. Mary Grace on March 7th, 2013 9:29 pm

    Hello po..ask ko lang po..nagregister po ako online.. Do i really need to go to any branch to show my proof of income before po sa first payment ko?.. and pano po ba ako makakakuha non? because nagwowork lang po ako as a private tutor, d nagpoprovide yung boss ko ng any proof…please respond asap..thanks po!

  23. Nors on March 8th, 2013 9:34 pm

    Hi Mary Grace, yes, you must first go to the nearest Pag-ibig branch, and show your IDs and proof of source of income. You can get a barangay certification certifying that you’re working as a tutor. Include your monthly income (at least 1,000 pesos)

  24. arnagen on March 11th, 2013 9:35 am

    hi good morning!,mag uupdate po sana ako nang mid nunber ku,but actualy meron na po ako nang mid number binigay po nang employer ko and now mag update po sana ako nang registration information using my pag-ibig membership id (mid)number pero hindi po ako makapasok.pano po ba?tnx..

  25. rosiel bongala on March 11th, 2013 10:24 am

    hi.mam. ask kolang kung pwde kopoh mlman pagibig no. ko?

  26. Nors on March 11th, 2013 10:50 am

    Hi rosiel, register at so you can get your Pag-ibig MID no. This is the process: If you already have a Pag-ibig MID no., Pag-ibig will give you the same MID no. through this process.

  27. Nors on March 11th, 2013 10:53 am

    Hi arnagen, the online system is not yet ready with its updating process. So what your do is to register as a New Member, even if you already have a Pag-ibig MID. Anyway, Pag-ibig will give you the same MID no. as long as you enter the same personal data as you have given your employer. This is the registration process:

  28. jam on March 19th, 2013 10:23 pm

    paano po nagregister ako online pero nagkamali pala sa date ng bday ng anak ko.
    Pwede ba ko uli magregister para sa bagong tracking no. o pwede ko po uli iedit.

    Salamat po.

  29. Nors on March 20th, 2013 12:16 pm

    Hi jam, I checked the online correction system for Pag-ibig records and it was not yet working. So you can try what you suggested yourself — registering again, making sure your child’s birthday is correct. You will get another tracking no. but you will get the same Pag-ibig MID no., so registering again is okay.

  30. Vhan on March 25th, 2013 10:48 am

    Hi Good day! Meron na po akong pag-ibig card but our accounting said na kailangan ko daw iupdate ung aking info sa pag-ibig,pero ang ngyari ng registered ulit ako ng panibago.Same info lng din po ung nakalagay first registration and the 2nd registation.Magkakaroon po ba ako ng 2ng # sa pag-ibig..Ano po ang gagawin pra maipaclosed ung pangalawang niregistered ko..Hope you will give me advise po.Salamat.

  31. Vhan on March 25th, 2013 11:03 am

    Hi Nors,I read your responce to Arnagen,so it is okay to apply for a new member as long as I give same info on my first registration?Is this the only way to update my info on my pag-ibig account,to apply for a new member since your system is not yet ready for it’s updating process?Please answer po.Tnx

  32. Nors on March 25th, 2013 10:22 pm

    Hi Vhan, you will get a different transaction no. but you will be given the same Pag-ibig MID no., as long as you entered the same personal data.

  33. Nors on March 25th, 2013 10:25 pm

    Hi Vhan, yes, because I tried it, and I got the same Pag-ibig MID. You’ll be given a different transaction no., but you’ll be given the same Pag-ibig MID. By the way, I’m not employed by Pag-ibig; I only blog about Pag-ibig.

  34. Annie on April 5th, 2013 7:39 pm

    ask ko lang po pano ba malalaman kung registered kana sa pag-ibig since kinakaltasan ka ng company na wala naman akong pag-ibig number? pano ko po mabeverify kung nahuhulugan ako?

  35. Nors on April 6th, 2013 8:45 am

    Hi Annie, I suggest you register online at to get your Pag-ibig MID no. If you already have one, you will know it through registration. Make sure you enter important personal data correctly, because you can correct errors only at the branch; the online correction system is not yet working. How to get your Pag-ibig MID no. After knowing your Pag-ibig MID, you can go to your Pag-ibig branch with your IDs and MID no. and inquire about your contributions.

  36. Joel on April 13th, 2013 4:01 pm

    gd pm po, i am employed w/ ACU trucking Corp. member po ako ng pagibig since 2010 start po nagbabayad po ung company ko pero til now wala pa po akong Pag-IBIG ID para po sana verify ko kun magkano na remittances ko binabayad ng company ko. since weekly po deductions samin. thanks a lot po. pls. give me advice kun paano ko eclaim Pag-IBIG ID ko. thank u po.

  37. Nors on April 13th, 2013 10:40 pm

    Hi Joel, you can verify your contributions at the Pag-ibig branch nearest your company, or ask your company where they’re remitting their payments. But before you go there, get your Pag-ibig MID no. from Here’s how to get it:
    Pag-ibig MID number
    Bring also your IDs when you go to Pag-ibig.

  38. ian on May 20th, 2013 10:26 am

    Hi Nors,

    How can i check my Pag-ibig contributions online? Can you give me the link please..



  39. rhona saynes on May 21st, 2013 12:55 pm

    Hello po!

    Need help po sana..Nag apply po ako ng salary loan sa pag-ibig today at dinala ng messenger namin. Pero ang nareject kasi daw po nag calamity loan daw po ako nung October 2012….e ang alam ko po kasi pwede mag loan every 6 months sa pag-ibig…can you enlighten mo po..hindi po ba talaga ako makapag salary loan ngayon MAY, 2013. I shall wait for your utmost reply. Thank you & More Power!

  40. Nors on May 21st, 2013 5:18 pm

    Hi ian, sorry online checking for local members is not yet available. As of today, it’s only OFWs who have this service.

  41. Nors on May 22nd, 2013 4:04 am

    Hi rhona, based on Circular 315, you can renew your calamity loan if there’s another calamity declaration in your area. If you want to apply for the salary loan or multi-purpose loan, wait for October 2013 (one year after your calamity loan check date) and after paying at least 50% of your calamity loan principal. Yong 6 mos na renewal period, para lang sa MPL renewal.

  42. rhona saynes on May 22nd, 2013 5:33 pm

    Hi Nors,

    Thank you so much for the clarifications.


  43. Weng on May 23rd, 2013 4:06 pm

    Hello po,

    Paano po ba pag existing pag-ibig member na po ako. Meron akong previous remittance from the companies I worked before tapos now that hindi na poa ako office based work, gusto ko po ituloy ang payment ko thru voluntary means. Ano po ba ang gagawin ko? Thank you for the time and response.

  44. Nors on May 24th, 2013 1:24 am

    Hi Weng, you need to visit the branch where your records are and update your membership to Voluntary. Bring your Pag-ibig MID and IDs. If you don’t know your Pag-ibig MID, you can follow this procedure:
    How to get your Pag-ibig MID

  45. rhona saynes on May 28th, 2013 4:57 pm

    Hi nors!

    Badly needed help again, nag apply po ako ng sss id last 2010, ang masaklap po lumipat po kami ng house, kaya nung dineliver ung aking sss digitized id, hindi ko naclaim. Ms. Nors, pumunta ako sa SSS Quezon CIty, at sabi nila, hindi pa daw bumabalik sa kanila ang aking ID. After few months, tumawag naman ako sa SSS main branch, pero lagi busy at hanggang operator lang ako. Ano po ba ang dapat kong gawin. Please reply. Thank you so much

  46. Nors on May 29th, 2013 2:23 pm

    Hi rhona, I’m not sure what else you can do other than to wait, and then go to SSS Main every few months. Puede mo ring habulin sa post office ng dati mong city or town, baka andon pa. Tanungin mo rin sa registered mail section.

  47. beth on June 19th, 2013 7:57 pm

    hi…ask ko lang sna, kc nag register ako knina as new member, employed ako ng department of education..ang nangyare nagkamali ako sa aking birthday…ano ang gagawn ko..please help..thank you very much and GOD BLESS

  48. Nors on June 20th, 2013 12:37 pm

    Hi mikka, pag nakuha mo na ang Pag-ibig MID no. mo, try mong magregister uli and then change your birth date, then check if ma-change siya later on. Not sure kasi kung nase-save. Yong online change ay hindi pa working. You will receive a different transaction no. but you will get the same Pag-ibig MID. The surest way is to go to Pag-ibig and change your birthdate. Bring your Pag-ibig MID no.

  49. joe on June 21st, 2013 2:34 pm

    good pm.ask ko lang po every when po deadline ng payment ng contribution para sa pag-ibig?tulad din po ba sya sa sss na depende sa # ng member? tulad sa asawa ko ofw na po kc sya pwede po ba ako na lang mag bayad para sa kanya?

  50. Jobel on July 20th, 2013 10:48 am

    Good am po! Ask ko lang po kung paano at saan po pwede mgbayad ng calmity loan sa Pagibig kasi po ng stop po ako at ngvoluntary last 2007.. At gusto ko rin po ituloy ang contribution ko.. And I have Tracking numbers paano mkuha ID? May byad po ba yon.

  51. angela on July 20th, 2013 11:48 pm

    good day po.. ask ko lang po dati na po akong member ng pagibig nun akoy nag wwork pa since 2004 pa po then nag resign po ako sa work nun 2006.. ang gusto ko lang po ituloy ang pag ibig member ko.. gusto ko po sanang magvoluntary member na lang.. saan po ako puedeng pumunta dito po ako sa san pedro laguna.. salamat po..

  52. Nors on July 21st, 2013 12:21 am

    Hi Jobel, kung yong loan mo ay noon pang 2007, na-offset na yon with your contributions — meaning naibawas na ang loan from your total contributions. Walang bayad ang ID. To get your Pag-ibig MID, these are the steps: Start ka na sa No. 11 Pag-ibig MID
    Pag alam mo na ang Pag-ibig MID mo, you can go to your Pag-ibig branch with your ID and at least 200 pesos (1 month) for contribution, and ask for your ID card and how to contribute again as Voluntary.

  53. Nors on July 21st, 2013 12:29 am

    Hi angela, bago ka pumunta sa Pag-ibig branch, kumuha ka muna ng Pag-ibig MID no. online. Click this to see instructions on how to get your Pag-ibig MID no. After getting your Pag-ibig MID, go to the branch where your former employer remitted your contributions — usually the branch nearest your former company. Later on, kung gusto mong ipalipat, mag-request ka lang ng transfer of member data. Merong form for this.

  54. Jobel on July 21st, 2013 8:18 am

    Hello ms. Nors, thanks po sa reply ..may isa pa po ako tnong.. Kung na offset po yung loan ko i means din po ba wala na ako contributions last work ko po.. Kc sv nyo nabawas n yung contribution ko.. Bkt po lumaki ang babayaran ko at pwde rin po ba mgbyad sa other branch ng Pagibig kasi po sv skin ng operator ng pag ibig sa main caloocan daw ako mgbayad.. Eh ang layo ko po from cainta to caloocan. At saka pwede po bang istallment po sa loan ko.. At saka po pag nkabayad ako ng installment sa loan ko ng paunti unti pwede po ulit ako mgloan? Thanks po!

  55. Nors on July 21st, 2013 1:35 pm

    Hi Jobel, ang Pag-ibig kasi hindi pa centralized ang records, so ang records mo nasa Caloocan. You can call Pag-ibig again and ask if you can file a Request for Transfer of Member Data from Caloocan to Ortigas branch (ito ba ang nearest sa iyo?) sa Ortigas branch para hindi ka na pupunta sa Caloocan kasi nasa Cainta ka na.
    Or puede ring punta ka na sa Caloocan one time, ayusin mo muna ang pag-Voluntary mo at pa-offset mo na ang loan and contributions mo, then pa-transfer mo na ang records mo to Ortigas.

  56. April on July 22nd, 2013 9:45 am

    Hi. I just want to ask if what is the the best member’s category for me in PAG IBIG Membership. Currently I have my On the job Training here in Ortigas with allowance.(Technically, I am not employed because this is OJT only) My spouse is a government employee. Do I belong in individual Payor? I can’t finish my online membership because of this problem. And what are the requirements I need to be a member of Individual Payor of Pagibig Fund. Thank you so much.

  57. Jeofrey on July 22nd, 2013 12:37 pm

    Good Day po! Isa po akong OFW.. Paano po makita ang total Contributions ko sa Pag Ibig?

  58. Nors on July 23rd, 2013 10:49 am

    Hi April, you can choose Individual Payor if you want to start paying; or Not Yet Employed if you just want to get your Pag-ibig MID. With any of these category, you can skip Employment History. If you choose Individual Payor, visit the nearest Pag-ibig branch with your Pag-ibig MID, IDs and any proof of income or source of income.

  59. Nors on July 23rd, 2013 5:46 pm

    Hi Jeofrey, go to, click E-Services then OFW Member’s Contribution Verification. It’s sad though that the system is down as of this moment that I checked. You can email

  60. alma on July 26th, 2013 11:03 pm

    good day, i just want to ask, my monthly salary is 3,500, how much will i pay my monthly or quarterly contribution? & i entered a wrong email add when i submitted my registration form, how could i change it,
    thank you, & GOD Bless to you

  61. Nors on July 27th, 2013 10:06 am

    Hi alma, the system for online correction is not yet working, so email Pag-ibig and request them to change your email address. But if this is your first time, meaning you were not a paying member before, it’s best to go to the nearest Pag-ibig branch with your Pag-ibig MID no. (get it online), your IDs and proof of source of income to register as self-employed. Ooops, you said “salary”, so you’re employed. It should be your employer registering you. But if for some reason, your employer does not like to register you and you don’t like to complain, find a way to get proof of source of income as self-employed, such as sales commission receipt. God bless too.

  62. anna on July 30th, 2013 3:42 am

    hi. im based here on northern california. I just apply for pag ibig membership and need to wait 2 days for the MID. I applied as individual payor. There is a remittance center PNB na tumatanggap ng pag ibig payment around this area. Is that mean, monthly contribution? And how much per month? basic income let say is 20k pesos? Another thing is, Im on naturalization process, does it matter if US citizen na ako while in my pag ibig form is filipino citizen? Any help would deeply appreciated :)

  63. Nors on July 31st, 2013 10:41 am

    Hi anna, sabi naman sa RA 9225, “former natural-born Filipino citizens who acquired foreign citizenship through naturalization shall be deemed not to have lost their Philippine citizenship”, so oks lang na Filipino citizen ang nasa Pag-ibig mo. Additionally, ongoing pa naman ang naturalization mo, so technically you’re a Filipino citizen when you filled up the form. You can contribute any amount starting from 200 pesos a month. See this recent release from Pag-ibig:

  64. Florence on August 5th, 2013 3:31 pm

    Hi. Thank you so much for this info. I applied membership online. Pag nakuha ko na po ba yung Pag-ibig MID No. ko, pwede na agad ako maghulog ng contribution? O may kailangan pang gawin na iba? I registered as an individual payor.

  65. Nors on August 5th, 2013 4:26 pm

    Hi Florence, you should first visit the nearest Pag-ibig branch with your MID no., your ID, proof of your source of income (receipts, or ID, or certificate or license) and initial payments. Later on, you can pay at other payment centers.

  66. Florence on August 6th, 2013 7:14 am

    Thank you Nors. How much is the initial payments? And is it paid quarterly or monthly? Can I just pay the first month?

  67. Nors on August 6th, 2013 9:52 pm

    Hi Florence, the minimum is 200 pesos per month. You can make it 250 or 300 or higher. You can pay monthly, or quarterly or any number of months in advance. I think you can pay for 1 month. Pero bring na lang for 1 quarter.

  68. lady on August 9th, 2013 10:24 pm

    Goodeve. Im trying to reg online as of this min but the place of birth are not responding so, mliit na problem but I cant fin my reg, can you help me about this? Thanks. :)

  69. lady on August 9th, 2013 10:42 pm

    Btw, im just using my phone for reg online.

  70. Nors on August 10th, 2013 10:37 am

    Hi lady, baka nasa spot ka na weak wifi or the website experienced a glitch. Hope by now, your registration is already complete.

  71. lady on August 10th, 2013 7:34 pm

    Database Error 003: A database error has encountered. Registration can’t proceed for Session Number S13222007146.

    im registering now, eto lumabas after i submit, what now po?

  72. Nors on August 10th, 2013 11:09 pm

    Hi lady, you can try registering again. After submission, you’ll receive your transaction no. through text to your cellphone. You will use this transaction no. to see later on your Pag-ibig MID no.

  73. lady on August 11th, 2013 5:02 am

    Thanks :)

  74. lady on August 11th, 2013 8:37 pm

    Database Error 003: A database error has encountered. Registration can’t proceed for Session Number S13223006595.

    still cant reg :(

  75. kris on August 12th, 2013 1:41 pm

    kakaresign lang po ng asawa ko sa kanyang work,wala po silang pag-ibig kaya ngayon gusto ng asawa ko na mag voluntary payor… sa ngayon po ay wala syang trabaho… anu po iprepresent na mga papeles bago ako makapagsimulang magbayad para sa kanya? ang plano ko po kasi ako muna maghuhulog para sa kanya… salamat po….

  76. Ricardo Aguilar Dichoso on August 16th, 2013 12:43 pm

    Good day po!
    Dati po akong member ng Pagibig at hindi ko na naipagpatuloy ,gusto ko po sanang bayaran yung dating loan paano po ba magbabayad ganung nasa abroad po ako at nagnais din ipagpatuloy ang voluntary membership?
    Maraming salamat! Mabuhay po kayo ..

  77. Nors on August 16th, 2013 8:32 pm

    Hi Ricardo, get first your Pag-big MID no. online. How to get your Pag-ibig MID Then start paying through IRemit, Ventaja, Skyfreight or PNB, or Landbank. You can also join this Pag-ibig promo for OFWs.

  78. Eugene Sumawang on August 17th, 2013 11:28 am

    Good day po.
    may MPL po ako sa pagibig fund, kaso po nawalan po ako ng work, ung loan ko po eh delinquent na for 2 years,ngaun po may trabaho na ulit ako gusto ko po sanang mabayaran din at marestructured kasama ung penalties, puede po ba yun?

  79. Nors on August 17th, 2013 10:43 pm

    Hi Eugene, ang maganda sa Pag-ibig, nag-o-offset sila ng delinquent loan balance sa total savings, so di gaano ang interest/penalties unlike SSS. Ang date of offsetting nila is yong date of default. Dagdagan mo na lang yong monthly contribution mo para mahabol yong nabawas o mababawas. Usually, you can see the result of offsetting when you apply for a new loan, dahil makita mo na konti na lang ang malo-loan mo. Puede ring you visit your branch and ask your savings balance after offsetting.

  80. Sy on August 22nd, 2013 2:32 am

    Tatanong ko about sa POP at Pag ibig 1, last december nagregister po ako online para maging isang member ng Pag ibig, at nabigyan na po ako ng RTN at Pag ibig no. 12101477XXXX pero hindi pa po ako nagsstart ng monthly contribution ko, last week nag register po ako dito sa Israel sa Iremit about sa POP at nabigyan na po ako ng Id no. na T02059XXXX, at nakapaghulog na po ako August 2013-December 2013, ang tanong ko po need ko pa po bang maghulog ng monthly contribution sa Pag ibig no. na to 12101477XXXX, o same lang po ba ang POP at Pag ibig 1, at kung need ko po maghulog sa Pagibig 1 pwede po ba ako maghulog dito sa Iremit Israel o kinakailangan po ba sa branch ng pagibig maghulog ng unang monthly contribution, at magkano po ang monthly contribution at maari ko pa po bang habulin ung January 2013-December 2013 na hulugan.

  81. Nors on August 22nd, 2013 5:45 am

    Hi Sy, ang POP ay closed na for new membership since 2010, kasi naging mandatory na yong Pag-ibig 1 for OFWs. Ang ipinalit sa POP ay ang optional program na MP2 which is available both to OFWs and non-OFWs. To be sure, ask IRemit kung yong na-open ba ay P1 or MP2. Or puede mo ring i-check sa Pag-ibig website yong 02059xxxx sa “View Registration Information” if this no. is a tracking no., and if it is, then you can check if this leads you to the same Pag-ibig MID 12101477xxxx. Pag-ibig MID refers to P1. If you check Pag-ibig online services, there’s also this option: MP2 enrollment.
    P1 is mandatory and MP2 is optional.

  82. Aliyah on September 10th, 2013 6:37 pm

    Dear Tita Noors,
    Gusto ko lang po malaman kung may table ba ng contribution sa pag ibig fund tulad ng sa SSS, kasi kada alis ko ay 200 pesos lang po binabayad ko for 12 months x 200= 2,400 lang po. paano po ba kung gagawin ko na malaki ang contribution ko.

  83. Nors on September 11th, 2013 9:32 am

    Hi Aliyah, puede mong dagdagan ang monthly savings mo to any amount. Since you’re OFW, you don’t need to file a form. Just increase your payments. Ito ang sample table: Pag-ibig monthly contributions
    You can also save with MP2. Ito puede mong kunin after 5 years. Yong P1, kunin mo after 20 years or at retirement. Register in MP2 sa

  84. Aliyah on September 11th, 2013 9:40 am

    Thank you po ate Noors, akala ko po kasi ang pag ibig ay parang SSS, pag dating mo ng 65 years old ay may monthly pension ka na, Lump sum amount po pala ang ibibigay nila after 20 years. Paano ko naman po ba malalaman ang mga nahulog ko ate Noors?

  85. Aliyah on September 11th, 2013 10:03 am

    One more question Ate Noors, sa mga nabasa ko na previous article tungkol sa claims, may mga nagtanong po sa inyo tungkol sa claims nila, nasagot nyo po na kaialangan ipunin ng member lahat ng contribution nila in diffrenet brnch, paano po kami mga ofw kung mag claim na po kami, kasi po minsan sa POEA ako kumukuha ng OEC at dun na rin ako nag babayad ng Pag ibig at minsan sa pampanga naman at later on sa mismong airport na ako kumukuha at nag babayd ng OEC, paano po mangyyari dun? saan ko po i-cocolect ang lahat ng contribution ko?

  86. Nors on September 11th, 2013 5:17 pm

    Hi Aliyah, to know your contributions, when you take your vacation, visit Pag-ibig Buendia or Gil Puyat — this is the branch for OFWs. It’s walking distance from RCBC Plaza. You can check your contributions here. Pero palagay ko ang mag-aapir lang sa branch na ito ay yong mga binayaran mo through POEA. Check from time to time kung okay na yong OFW contributions checking page sa; down kasi up to now. Yong sa payments mo ba sa Pampanga ay through OEC rin? Dapat mag-apir din sa Buendia branch.

  87. Aliyah on September 12th, 2013 11:17 am

    Dear Ate Noors,

    Opo ate noors,sa DFA pampanga din po ako nag babayad ng pag ibig through OEC, marami po ako nabasa na magndang benefits ng pag ibig, maybe i’ll increase my contribution next time.

  88. Aliyah on September 12th, 2013 11:19 am

    sorry po ate noors,I mean POEA Clark pampnga po ako nag babayad through OEC

  89. Nors on September 13th, 2013 9:54 am

    Hi Aliyah, that’s great. Contribute ka sa P1 and MP2 para merong for long-term and for short-term.
    By the way, meron ka nang Pag-ibig MID? How to get your Pag-ibig MID No.

  90. Aliyah on September 14th, 2013 11:17 am

    Dear Ate Noors,
    Saan po at para saan po ba yung MID na yun?

  91. jenny on September 20th, 2013 8:56 pm

    hello po ask lang unemployed po ako and balak magvoluntary member. pwede po b akong mag avail ng housing loan? member po ako since april 2008 to may 2013. tnx po

  92. Nors on September 20th, 2013 9:12 pm

    Hi jenny, yes, you can continue paying as voluntary — just go to your Pag-ibig branch with your ID and Pag-ibig MID no., but if you apply for a housing loan, you need to show proof of income. They need to be sure that you can pay the monthly amortization.

  93. Gab on September 25th, 2013 8:29 am


    Kung mag.rregister online ako as ne member (individual payor), then proceed doon sa malapit na branch at magpresent lang ng valid ID at proof of income source, pwede po ba yun kahit student palang po ako? (age:21) mother(source of income)

    may passbook bank account po ako.

  94. Nors on September 25th, 2013 3:26 pm

    Hi Gab, hindi yata puede na source of income ang allowance. Wala ka bang direct marketing (like avon) or online selling (Paypal payment receipts) para meron kang ma-present na source of income? Great you’re planning to save and invest. Hope you can start something where you can earn your own income.

  95. Florence on October 27th, 2013 10:55 pm

    Hi again. Thank you so much for being of help to a lot of lost Filipinos when it comes to Pag-ibig membership. I hava a question po. I recently started paying contributions to Pag-ibig. How will I be able to check or monitor my contributions po?

  96. Nora on October 28th, 2013 3:42 am

    Hi Florence, thank you very much for appreciating my efforts. Sad to say, as of this date, it’s only OFWs who can check their contributions online. Other member categories need to go to their branch to verify their contributions. I hope in the near future, everyone can check theirs online.

  97. Novie on November 4th, 2013 8:58 pm

    Magkano poh babayaran ko monthly if invidual payor ako tapos yong sahod ko 8500 per month tapos na ako mag register by online my tracking number na ako dalwa pakc teo times paregester saan dito pwd gamitin..yung un or yong pangalawa… tnx po..

  98. Nora on November 7th, 2013 4:38 pm

    Hi Novie, you can use any of the two, kasi you will get the same Pag-ibig MID, basta pareho yong mga basic personal data na isinulat mo such as name, birthdate and mother’s maiden name. The minimum monthly contribution is 200 pesos, but you can increase it to 300 or 400, or more.

  99. ice.alba on November 19th, 2013 1:34 pm

    Hi po.. OFW po ako ask ko lang po ilang days po ba makikita ang contribution nyo kapag sa ventaja kayo nag bayad ng conribution?!

    Thank you

  100. Nora on November 19th, 2013 6:25 pm

    Hi ice.alba, naka-link sa SSS system ang Ventaja, so dapat within 3 days naka-post na. Or puede ring within 1 week.

  101. joann on November 26th, 2013 5:09 pm

    Hi po, Isa po akong ofw since 2008 pano ko mtrack ung contributions ko pra po maituloy ko?

  102. Nora on November 27th, 2013 6:44 am

    Hi joann, register with Pag-ibig so you can get your tracking no. and then later on your Pag-ibig MID. Click mo yong E-SERVICES. Then start paying (minimum for OFWs is 500 pesos). Merong option for checking for OFWs sa website nila; makikita mo rin yan when you register.

  103. Henry on November 28th, 2013 11:19 pm

    Ako po ay isang ofw dito sa doha qatar. Ako po ay member na ng pag ibig bago pa nag abroad. Nais ko po sanang ipagpatuloy ang aking paghuhulog sa pag ibig dahil sa plano ko po na kumuha ng bahay sa pag ibig housing loan. Ano po ang dapat kong gawin? May pag ibig mid na po ako, paano ko po maipagpapatuloy ang aking paghuhulog at saan po pwede magbayad ng contribution dito sa doha qatar. Pwede po ba na ang maghulog ng contribution ko ay aking asawa na nasa pilipinas? Kahit na ako ay dati ng myembro kelangan pa po ba magregister online? Maraming salamat po, kelangan ko po ng advice kung paano ang gagawin.

  104. Dondon on December 4th, 2013 7:24 pm

    Hi Mam, I’m an OFW here in Dubai.. Almost 7 years na sa abroad. ask ko lang po if biglain ko ang bayad for 24 months, totoo po bang makapag loan na ako agad? Ask ko po kung paano ang pag process at gaano katagal bago marelease yung loan?

  105. Nora on December 5th, 2013 9:11 pm

    Hi Dondon, housing loan ang ibig mong sabihin? Yes, 24 contributions ang requirement. Register online at to get your transaction no. and then your Pag-ibig MID, and then start paying through IRemit or Ventaja. Save also for your downpayment. If you work with a Pag-ibig-accredited developer, they will help you process your housing loan. If you build on your own lot, you prepare your own documents. Here are the processes and required documents:

  106. Ericka on December 6th, 2013 12:19 am

    Hello po ask ko lng kung pano po magapply ng housing loan , i, a previos ofw kaso ndi kopo alm kung may pagibig ako banda po kc ako pero last na byahe ko sa jpan may OEC nman kme, as of now unemployed ako ang source of income ko lng po eh remittance through my same sex partner, and is it possible po na biglain ang hulog at magamit agad? Maaapprovebahan po ba ako. Thank u po

  107. Nora on December 8th, 2013 3:20 pm

    Hi Ericka, magregister ka muna sa, so you can get your Pag-ibig MID no. Pag meron ka na dating MID, you will get the same no, so don’t worry na baka maulit. Then visit the nearest Pag-ibig branch with your MID no. and ID, and verify if you have previous contributions, and tell them you want to starting paying so you can apply for a housing loan. Yes, you’re allowed to pay the contributions required for housing loan application. On second thought, baka mas okay na yong partner mo ang mag-member at mag-apply ng loan through you as authorized representative since siya ang merong work. Kelangan din kasi ng income documents.

  108. Dong on January 6th, 2014 6:31 pm

    Hi mam! isa po akong OFW na nagbabayad ng aking Pag-ibig contribution sa Philippine Embassy dito sa abroad for 2 years na but suddenly this year tinigil na nila at ang sabi sa amin pwede na raw kami magbayad sa mga authorized remittance center ng aming Pag-ibig contributions. Ang gusto ko sanang malaman kung paano ko babayaran ang aking Mandatory at Voluntary Contribution??? thru Pag-ibig MID no. ba? or MP2 Accnt no. Please I need your advice asap. Thank you very & God bless.

  109. mj13 on January 23rd, 2014 3:49 pm

    Good day po. Just wanna ask kung ano po gagawin pagkatapos if I registered sa Pagibig under the “Not yet employed” category? pwede na ba maghulog kahit ito po yung working status? kaya ko naman maghulog pero wala po kong maipresent na proof of income. thanks

  110. Nora on January 24th, 2014 4:10 pm

    Hi mj13, pag sa start of membership, kelangan ng source of income na hindi allowance from parents. Later on na lang yong puedeng ituloy ang contributions kahit walang source of income, basta naka-start correctly. Think of something na puedeng pagkakitaan at merong receipt or ID or license or certification.

  111. claire on January 24th, 2014 6:20 pm

    hi.,ask ko lang poh nag register poh ako online din meron na akong MID# need pa ba talaga dalhin yung members data form..o deretso kana ng bayad individual payor poh?

  112. Nora on January 25th, 2014 9:16 am

    Hi claire, kung first time mo pa lang na member, meaning hindi ka employed member before, pumunta ka muna sa nearest Pag-ibig branch to submit your member data form and proof of your source of income and valid ID.

  113. Rose on February 3rd, 2014 9:35 pm

    Hello po… Ask ko lang po if pwede kong ituloy ang contributions ko kahit nagstop napo ako sa work at pwede ko po bang bayaran yung mga previous months ko na hindi na nabayaran ng employer ko kasi nagresign napo ako? Thank you po;)

  114. Nora on February 4th, 2014 9:27 am

    Hi Rose, yes, you can continue as Voluntary. If you don’t know or don’t have yet your Pag-ibig MID no., register at, then use this no. when you pay.

  115. bhe-ann on February 5th, 2014 6:28 pm

    i just want to ask… kasi po kylangan ko na po ng MID number for employment requirements.. anu po ba ang i se’select ko sa MEMBER CATEGORY? ee applicant pa lang po ako

  116. Nora on February 6th, 2014 1:54 pm

    Hi bhe-ann, merong NOT YET EMPLOYED na member category.

  117. Arbisham on February 6th, 2014 7:37 pm

    Hello po,

    Tanong ko lang po kung ano ang deadline for payment ng voluntary members. Di po kasi nakalagay sa website. Same din po ito for Pagibig2 contributions? Thanks in advance.

  118. Nora on February 8th, 2014 10:23 am

    Hi Arbisham, the deadline is the current month. For example, this month is Feb 2014, we can pay for Feb 2014, but we can no longer pay for Jan 2014 and backwards.

  119. warren on February 16th, 2014 4:59 pm

    hi mam ask ko lng po naghousing loan po kc ako sa pagibig bale ang developer po ang nagaayos ng loan documents kaya lng po ngayon nagresign na po ako sa work because of my baby. sabi po ng developer ko iupdate ko daw po ang contribution ko.. pano po ang gagawin ko since im no longer connected na po sa employer ko. nabasa ko po kasi ang voluntary daw hnd pwede sa housing loan? my idea po ba kau man? thank u po!

  120. Nora on February 16th, 2014 9:58 pm

    Hi warren, naa-approve din ang loan application ng Voluntary kung merong mga documents proving that you’re receiving regular remittance or you’re earning regular income from other sources. Naninigurado ang Pag-ibig na you can pay your amortization every month. You can continue paying 200 pesos every month to Pag-ibig (puede sa Bayad Center). Sasabihin din ng Pag-ibig kung magkano dapat ang babayaran mong contribution every month para maka-loan ka ng higher loan amount. Example: Pag 1 million to 1.1 million ang loan amount, dapat 500 pesos ang monthly contribution. Pag 700k to 800k, 350 pesos ang contribution.

  121. may tayone on February 17th, 2014 3:58 pm

    I want to apply for individual payor unemployed po ako but my partner in abroad sends monthly remmitance PRA sa amin ng baby ko. dpa po kc kmi kasal I would like to have my own pag ibig # SNA anu po requirements ddalhin q pg ngpunta AQ s ofis nu ska San branch mlapit as comonwealth . how much nrin po monthly payment.tnx

  122. Nora on February 17th, 2014 6:00 pm

    Hi may, kumuha ka muna ng Pag-ibig MID no. mo sa Click E-Services. Before you go to Pag-ibig, you need your Pag-ibig MID. Sana mag-isip ka ng source of income or self-employment like buy and sell or networking, kasi hindi ko sure kung puede mong gamitin ang remittance as source of income kasi hindi pa kayo married, although puede siguro kung ipakita mo ang birth cert ng bata.

  123. Joey Nyl Florita on February 18th, 2014 9:26 pm

    Hi.. would you know if what pagibig branch is the employer which is located in paseo de roxas corner sedeno street , malati city? and what is the office hours (from-to) of that pagibig branch? do they also have office during lunch? I need to print the mdf from pagibig online, but since old employer pa nakalagay doon, i need to have it updated pa to my new employer, kaso Im encountering system error if I click mcif button to update sana -saying sa local system lang daw available ang pagupdate.. can you help me with the update of my employer in my MDF? thank you in advance

  124. josey miller on February 19th, 2014 6:07 am

    Hi Nors, If I retired from my work at the age 60 and did not use Pagibig for any housing loan, can I get my money from Pagibig? How and how much would I get if in case I would like to withdraw it as lumpsum? do they have such kind-lumpsum.

    thank you for verification.


  125. Nora on February 19th, 2014 2:45 pm

    Hi josey, yes, at age 60, you can claim your Pag-ibig savings. It’s called Provident benefits or TAV (Total Accumulated Values). TAV is equal to the total of all your savings plus the annual dividends added to your savings at the end of every year. Parang nag-ipon sa bank, pero 4% or more ang interest rate. Sa bank, .375 or .5 lang ang interest rate.

  126. Joey Nyl Florita on February 19th, 2014 9:44 pm need to answer my previous concerns..its now okay..i already went to the makati branch earlier..again,thank you and regards! :)

  127. lee on February 23rd, 2014 10:15 pm

    gusto ko mag apply as voluntaqry member pero online job worker po ako,, ano pong requirements dapat ko ipalita sa kanila? wala kasi ako income tax eh. tnx

  128. Nora on February 25th, 2014 10:21 pm

    Hi lee, get your Pag-ibig MID no. first online at Then go to the nearest Pag-ibig branch with your ID and MID no. and present any proof that you’re earning income regularly like receipt of your compensation. If you don’t have receipts, you can present a notarized Affidavit of Source of Income.

  129. nikka on February 26th, 2014 3:26 pm

    Anong kailangan pag magpapa id sa pagibig? Kailangan ba may hulog na bago ka magpa id?

  130. nikka on February 26th, 2014 3:27 pm

    Atsaka may bayad ba pag nag pa id? Salamat.

  131. Nora on February 27th, 2014 7:39 pm

    Hi nikka, ang alam ko hindi na nag-i-issue ng ID ang Pag-ibig, dahil meron ng Unified ID na SSS ang nagbibigay. Ang ini-issue ng Pag-ibig ay transaction card.

  132. ham on March 12th, 2014 3:09 pm

    hi miss nor. dati na po akong member ng Pag-ibig. gusto ko po ipagpatuloy kaso wala po akong work ngayon. ano po magandang gawin? thanks pp

  133. Nora on March 12th, 2014 4:33 pm

    Hi ham, register at to get your Pag-ibig MID no., and then go to your Pag-ibig branch with your ID; verify your status, and then pay your initial Voluntary contributions. For the next payments, puede na sa Bayad Center.

  134. aileen A.penaranda on March 14th, 2014 8:15 pm

    tanong ko lang kung mag kano ang hulog ko sa voluntary member sa pag-ibig..d ko kc alam kung paano ang hulog sa voluntary..2wks palang ako nag registere sa online s pag -ibig..thanks

  135. Nora on March 15th, 2014 8:21 am

    Hi aileen, 200 pesos per month ang minimum contribution for Voluntary members. Pero dahil first-time member ka, you need to go to the Pag-ibig branch nearest your residence with your ID, Pag-ibig MID no. and proof of source of income (receipts or IDs or certification) para doon ka magsimula. Later on, puede ka nang magbayad sa Bayad Center.

  136. GENEL on March 18th, 2014 3:15 pm


  137. Blanchie Joyce C. Galang on April 8th, 2014 8:26 am

    hello po pano ko po ba maitutuluy yung pag ibig as voluntary thanks po..

  138. Nora on April 9th, 2014 9:43 am

    Hi Blanchie, do you already have your Pag-ibig MID no.? If not yet, get it at Employed member ka before? Then you can pay as Voluntary at Bayad Center. Use your Pag-ibig MID. Write Voluntary sa Member Type. Minimum is 200 pesos per month. If you were self-employed before and never employed, it’s better if you go first to Pag-ibig to verify your records and then continue as Voluntary.

  139. joesilyn on April 14th, 2014 10:07 am

    hi te nors gusto q po sana mg request for transfer of members record yung dati q pong branch is makati pwedi po ba sa ibang branch aq magrequest to transfer quezon city area po kc q malayo ung makati for me pwede po kaya yun???

  140. joesilyn on April 14th, 2014 10:39 am

    hi nors ask q nlng po open pa po ba kau this april 15,2014 anu po exact adress ng makati branch???

  141. Nora on April 15th, 2014 12:19 am

    Hi joesilyn, yes, open on Apr 15. Address: 317 Justine Bldg. Sen. Gil Puyat Avenue, Makati. If you’re coming from Taft-Buendia, lagpas lang siya ng RCBC Plaza

  142. Nora on April 15th, 2014 12:25 am

    Hi joesilyn, voluntary ka na ba ngayon? If yes, mag-request ka for transfer sa Makati branch. Merong transfer request form. You will write your name of employers, addresses and employment dates. Have your Pag-ibig MID no. and IDs

  143. Nads on April 15th, 2014 2:17 pm

    Hello! I just want to ask on what to do here. I had my first loan last March 2014… that time, I was still employed. My contract with my previous employer ended last March. Then, I want to continue my contribution sa PAG-IBIG this April (I’m unemployed as of the moment). What shall I do? Can I just go directly to PAG-IBIG and pay my contribution and the loan? Thanks!

  144. Nora on April 15th, 2014 11:29 pm

    Hi Nads, for your first payment as Voluntary, you need to go to Pag-ibig and amend your member category to Voluntary. Bring your ID and Pag-ibig MID no. Bring your cert of employment or contract that shows your date of separation, in case Pag-ibig asks. About your loan: Before you go to the cashier to pay your loan, ask for a loan payment order.

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