Pag-ibig Membership — Voluntary or Individual Payor

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


Add a Comment
  1. Hi Kate, if your office is just a place to do your work, and does not have business permit and DTI or SEC registration, then that means you’ll have to register with Pag-ibig as self-employed. First, you get your Pag-ibig MID no. , then go to the nearest Pag-ibig branch with your ID and recent remittance receipts and/or any proof of your job, confirm your registration and make your first payment there. You can pay your next payments at Bayad Center or SM Business Center.

  2. Hi miss Nora i just want to ask something. I wish to pay to complete the required no. of months for loan application. For example po, 22 months so it means I need to pay 2 more months. I wish to pay as voluntary for these 2 moths so I can apply for a loan. Is that possible?

  3. Hi Joan, it’s best that you wait for your employer’s remittances to Pag-ibig. I think you cannot be Employed and Voluntary at the same time. Even if you’re allowed to pay as Voluntary, Pag-ibig will wait for those 2 months to pass in real time before you can apply for a loan. For example, you pay in advance for April and May (you can’t pay for past months), you can apply for a loan only in June.

  4. Hi Ms. Nora. I would just want to know your opinion. I contribute 3,000php to PAGIBIG monthly. I am just annoyed that everytime I make my transaction at this remittance center they always mumble that the amount is too much. it is only my 2nd month of contribution tho. Do u think it is really to big for a PAGIBIG contribution? TY for letting me know ur opinion, mam. Hoping to hear from you.

  5. Hi Ms. Nora. I would like to clarify which PAGIBIG membership should I tick given that I am working in Macau although unofficial OFW because I was hired directly here. I registered online and ticked OFW but am really unsure. Should it be individual payor, ofw, etc. It kind of worries me esp. that Iam contributing quite high amount and might have some problems in the future. Your response is greatly appreciated, mam. Thank you.

  6. Hi kaye, do they comment in an envious way? Or saying something like “wow, she’s saving a lot!” Or do they’re just puzzled you’re remitting such a big amount to Pag-ibig? Whichever, I think you can save monthly any amount you like, as I have not read any maximum limit. Their Pag-ibig savings example has 2k as the highest. The Pag-ibig housing loan chart has 2,950 as the highest contribution (eligibility for the 6-million loan). If those in the remittance firm ask, try telling them “I plan to buy a Bayad Center franchise or a Generics Pharmacy in 5 years, or buy a Pag-ibig foreclosed home in cash in 5 years and turn it into a rental property.”
    If you like, you can consider contributing more to the Pag-ibig MP2 program — you can get your savings after 5 years, or you can renew it for another 5 years. For Pag-ibig 1, you can claim this at age 45 if you’ve accumulated at least 240 monthly contributions. If less, you can claim it at age 60. If you like MP2, apply for your MP2 account no. at

  7. Hi kaye, you can tick OFW, as you’re sending your payments from abroad. One advantage of paying as OFW is you can check your payments at Don’t worry about the high amounts — instead, be proud silently and happy you’re able to save a lot. I’m so glad you’re saving — we’ve heard a lot of Pinoys overseas whose salaries were spent just for shopping. Keep your receipts, and check online from time to time. :)

  8. hi… i would like to ask.. i already been approved in housing loan should i need to pay realty tax after paying my first amortization?

  9. Inquire lang po. Panu po if gusto ko magloan.gusto ko kasi kumuha ng housing loan after ng contrata ko dto.ofw po ako. Pag uwi ko wala ako existing contract and most probably nde ako agad makakahanap ng trabaho maaprove pa din ba ung pag ibig loan ko? Ano pwede substitute for a contract?

  10. Hello poh ask q lng kung poh kung pwede q ilipat ung contribution q s pag ibig s single name ko kc poh married ang gamit q nung ng apply aq pro matagal n kmi hiwalay ng ex q kya ayw q n poh gamitin ung married s pg loan q ng bahay. pwede poh b un mg p register po aq ulit single name gagamitin ko.

  11. I’m mr joselito rodriguez, basak, pardo, cebu city, i’m pag-ibig member. for 4 months I’ve paid 1,000.00 monthly. I wish to lower my monthly contributions. How do I apply again? Thanks.

  12. Hi Joselito, you don’t apply again. Use the same Pag-ibig MID no. You can lower your payment to any amount between 200 to 1,000. For your first payment of this new amount, pay at your branch in cebu. Ask for a payment order first. Then later on, you can pay at Bayad Center.

  13. Hello po mrs nora. Thank you for responding to a lot of questions. I registered online feb 17 2015. It’s only now I checked and got my pagibig MID no. If I contribute 240 monthly, should I pay for the months I missed — feb to may? One thing, I haven’t gone to a Pag-ibig branch. Do I need to go there?

  14. Hello, i am currently employed but due to my sensitive pregnancy i was forced to have rest and take on LOA few months before my due(total of 5mos incl maternity leave). I have an existing salary loan and i am concerned on how will this be paid if im on leave since my i will be on leave without being paid. Our HR advised me to pay it directly to pag ibig. What info will i be needing in order to pay it directly, and where to pay and when? Thank you.

  15. Hi Warner, Pag-ibig does not accept payments for past months from individual payors. You can pay for May and months onwards. Are you near the Pag-ibig branch where your former employer remitted your contributions? It’s there where your records are. You can choose to go there and make your first payment as individual payor, so your records are in one place. Bring your IDs. You can make your subsequent payments at Bayad Center or SM Business Center.

  16. Hi I have a concern about paying my pagibig contribution, my last employment was march this year, I want to continue paying my contribution but under voluntary category, what will be the requirements? or can I directly pay my contribution over the counter or I have to fill out some form from pagibig? thanks

  17. Hi Edna, yes, you can continue paying as Voluntary. But it’s good to make your first Voluntary contribution at the branch where your former employer remitted your contributions so that your records will be in one branch. Bring your IDs and your Pag-ibig MID no. You can later make your second and subsequent payments at Bayad Center or SM Business Center.

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