Pag-ibig Pag-ibig Membership Pag-ibig Membership — Voluntary or Individual Payor May 2011 Pag-ibig Savings / Investment Saving Money with Modified Pag-ibig II — Higher Earnings, Government-Guaranteed Dec 2011 Compare Pre-Need, Pag-ibig MP2, SSS Flexi-Fund Sep 2013 SSS Flexi-Fund vs. Pag-ibig MP2 — Which Is a Better Investment? Feb 2013 Pag-ibig Retirement Pag-ibig Benefits — Retirement Claims Apr 2011 Pag-ibig Retirement in the Philippines — Process Your Claims Quicker Feb 2010 Pag-ibig Retirement Linked to Pag-ibig Housing Loan Jan 2011 Pag-ibig Death Benefit Pag-ibig Fund — How to Claim Death Benefits Oct 2011 Pag-ibig Branches PAG-IBIG Branches in Metro Manila, Cavite, Laguna, Bulacan Mar 2011 SHARE ON TwitterFacebookWhatsAppEmailLinkedInPin It 173 Comments Joana Llego HI po ask ko lang , nag loan po asko sa pag ibig . nag text pag ibig sakin confirming my loan at sabi credited na sa bank acc ko . however po almost 1 week na pero wala parin laman ang bank acc ko . anu pong gagawin ko ? pleaseee help October 15, 2019 Evangeline b afdal Gusto kopong malamang kung registered po ung binayaran kona 300php bago po ako umalis ng pilipinas July 1, 2019 standly solitas hi po, tanong ko lang po pwede mag file sa pag ibig na operahan po siya ng kidney kasi na damage yung kidney dahil na disgrasiya sa motor po. thanks po. June 18, 2019 Nora Hi Nestor, first, icheck mo yong BPI loan docs mo and see what it says about prepayment or refinancing. Know also your outstanding loan balance. Puede ang refinancing sa Pag-ibig, pero ang maganda, pumunta ka muna sa Pag-ibig, preferably sa Shaw Blvd Mandaluyong branch, to ask about your specific loan, so you will know if their interest rate for your planned loan amount is lower than your current bank rate. Their low-interest loan is only for up to 750k and only for those earning not more than 17.5k a month. Rates for their higher loans range from 5.5 to 10%, maybe higher now. Does your condo unit has a title already under your name? even if the original is held by BPI Family? I’m asking because many condos don’t yet have titles, only deeds of absolute sale. Pag-ibig requires the title under your name. May 18, 2019 Nestor Hello po. I have a prevailing housing loan (condo) with BPI family savings. It is now on its 8th year (15 year loan). Can I still transfer this loan to Pag-ibig? Thanks. May 16, 2019 Edel Hi Jun P. Salamat po. May 8, 2019 jun p. Hello Edel Ang mai-advise ko sayo ay magpunta na lang sa pinakamalapit ng Pag-Ibig branch at magpa-verify ng records nila tungkol sa dati mong loan kung meron man. May 7, 2019 Edel Hi po. Nag inquire po ako sa Pag-ibig kung pede na uli ako mag loan. kasamaang palad may existing daw akong loan na di ko daw na hulugan eh di ko naman po maalala na nag loan uli ako sa pag-ibig. ano po dapat kong gawin? May 7, 2019 jun p. Hello Glenn, Tila kulang ang impormasyong binigay mo. Sabay bang namatay ang mga magulang? At kailan namatay? April 26, 2019 glenn Hi Sir Jun Good pm ask po ako kng pwedi mag claim ang mga anak kasi both na po patay ang mga magulang nila pero may mga sss pag ibig po ang mga magulang, thanks April 26, 2019 jun p. Hello Cresilda, Magsadya ka sa pinakamalapit na PagIBIG MSB (Members Services Branch) para macheck mo ang iyong records at ID No. Hingi ka na rin ng printout ng iyong PagIBIG ID. Mabilis lang yun. March 29, 2019 Cresilda velasco Hi po pd ko pong malaman ang number ko s pagibig kc ang pagkakaalam my number napo ako.kaso po nakalimutan ko ung nbe ko.salamat.baka mga 2008 or 2009 yon March 29, 2019 jun p. Hello Leziel Kung ikaw ay registered member ng Pag-Ibig meron ka MID number na kakailanganin mo tuwing ikaw ay mag-transact sa Pag-Ibig. March 8, 2019 Leziel Paano ko po malalaman n member ako ng pag ibig kc po work abroad po ako at nag fill up po ako ng papers non bgo ako umalis March 8, 2019 jun p. PAG-IBIG Fund currently offers one of the lowest, IF NOT THE LOWEST RATES, in the market today. Here is a summary of prevailing interest rates on its housing and short-term loans as published in the Nov. 25, 2018 issue of PhilStar. Socialized Housing Loan up to 580,000 Pesos – 3% per annum Regular Housing Loan up to 6 Million Pesos – 5.375% per annum Cash Loan (Multipurpose)- 10.5% per annum Cash Loan (Calamity) – 5.95% per annum As Pag-Ibig member, one can avail of these for only 100 Pesos mandatory monthly contribution (no increase since 1982 !) . Something to consider and think about. December 3, 2018 jerico basa hi maam tanong ko lang po gano po katagal maclaim ang death benefit?thank you and god bless May 23, 2018 warlito good pm pwede na po ba mairefund ang contribution ko sa pag ibig? hindi ko nman po kasi nagagamit since na nag start akong mag work. thank’s and god bless! December 1, 2017 Marevic Pasana vinteres Gud pm po paano ko malalaman yung pag ibig number ko kasi po nagtrababo ako ng 5years at tumigel n po ako ngayon,gusto ko ituloy to ngayon pero hndi ko po alam yung pag ibig number ok anu dapat ko Gawin salamat po. October 27, 2017 Louie velasco Hi good evening.naaksidente po kasi ako.temporary po ako ngaun na hindi nakakapagtrabaho since aug.06 2017 up to now. Above 10 years na po ako naghuhulog sa pag ibig.ask ko lang po kung may benefits ang mga members for temporary disability payment or partial payment.thanks October 21, 2017 claro b.flores Gud am po ask quh lng po kung paanu mkuha ung pagibig identification number ..ngtxt n po kc ung pgibig tpos tnxt quh po ung number n bngay dun paanu po un? October 20, 2017 Baby jade lambus Good day po ask ko lng po kng pd koko png ifile ang death claim ng asawa ko he died last july 2 2017 pero wala po akong valid id nya mtgl n din syang d nkhulog s pag obig..wala din syang khit anung loan s pag ibig kasal kmi at my mga anak peru d xa change status? Pd ko pbang ifile? October 7, 2017 lannie A santico Hi good afternoon itatanong ko lang nag online membership ako tapos may natangap ako #RtN tapos may nag tex sakin na itex ko daw yung Rtn at bdy send sa bunigay na # para masend sakin MID# pero mag iisang bwan hangang ngayon wala parin akong natatangap na tex anu po gagawin ko hindi po ako makapag hulog kasi inaantay kopa yung MID# ko kailangan kona ba pumunta ng brach? September 21, 2017 Japs Hi Ms. Nora, Good Day po, salamat po pala sa mga answer nyo sa query ko doon sa SSS. sa ngayun eh naipag papatuloy ko na po ito ulit. ngayun naman po i have question about pag ibig, actually wala pa ako gano idea about it pero dami ko nababasa kase na maganda daw yung MP2 nila. but then of course kailangan daw active member muna bago ka maka enroll. i am still trying to do some research ng mga benefits pero mas focus ako doon sa MP2 nila. sa website nila may isang illustration which a sample kung magkano ang pwedeng maging halaga ng pera mo after maturity. ngayun since bago ako sa mga ganito, hindi ko alam pano nila na compute using the dividend percentage. based sa illustration nila like ang monthly contribution mo ay PHP500 and in 5 years and kabuoang pera mo na ay magiging PHP34,484.17 with 5.5% dividend daw at PHP36,202.34 naman daw kung sa 7.43% dividend. pano po ba ang step by step na mag compute nito? pano nakuha yung PHP4,484.17 dividend value galing sa 5.5% at yung PHP6,202.34 using 7.43% dividend. eto po pala yung link ng sinasabi ko. http://www.pagibigfund.gov.ph/faqpdf/FAQ%20MP2%20FINAL%20(7-14-17).pdf maraming salamat mo at more power. September 14, 2017 jocelyn Hi nora. ask ko lang po bakit ang tagal ng procesing ng pag claim ng maturity for 20 years sa pag-ibig. nag mature po ako last july 1, 2017 and up to now wala pa ang claim ko. tnxs po September 6, 2017 jocelyn Hi nora. ask ko lang po bakit ang tanggal ng procesing ng pag claim ng maturity for 20 years sa pag-ibig. nag mature po ako last july 1, 2017 and up to now wala pa ang claim ko. tnxs po September 6, 2017 fely Hello good po mam nora gusto ko lang po sana malaman ang form po kaya ang dapat para sa voluntary payment ng pag~ibig mejo malayo po kc ang branch ng pag~ibig sa lugar namin, September 5, 2017 lolita Hi mam nora non pumunta po ako ng aboad may pag ibig ako kinaltas lang 100 tapos di na un nasundan hangng ngayon cguro close na un 4years na nakaraan.at halimbawa po ba close na un pwede po b kumuha uli sa pinas at bayaraan ko ng cash ang 2years makaka loan ba agad ako salamat po. July 27, 2017 maricarmoya_1831@ yahoo.com Magtatanung lang po! aq kc ay voluntary member sa pag ibig almost 3 yrs na..nakita ko kc dun yung MPL na para pang tuition gusto q sanang mag loan tapuz nung nagfill up naku at pinasa kuna di daw pwede mag loan kapag voluntary anu bang mga benefits ko bilang voluntary member lang.. actually aq din sana gagamit nung illoan q kc pumasok n ulit aq ng college kahit may pamilya n aq suma total wala aqng work remittance lang from my husband ang income ko may sari sari store namn aq wala pa namn permit..pano ko po kaya mapapakinabangan yung savings ko. July 24, 2017 gretchen Pwede po bang mkakuha dito ng ESAV… Nagiissue po b kau? July 6, 2017 Noemi Gonzales Pwede pa po bang kunin ang death benefit kahit nawithdraw na ung contributions nya July 1, 2017 Sel Hi Ms. Nors, I thought Pag-ibig Multi Purpose Loan has 10.75% per annum interest. Why is that my Loan Amount of 28,416.92 has a capital interest of 6,618.78? Hope you can help me with this figures. Thanks, Sel June 21, 2017 Everlasting B.Eroy hi….just want too ask… yung asawa ko po wla pa po siyang sss at pag ibig..pero may deduct po lge sahud niya para daw po yun sa sss at pag ibig niya…pwede po ba yun?? June 19, 2017 Eljay rueco duruin Hi i just wanna ask about how to registered to pagibig im new to be a member where can i go for tbe registration im working in singapore right now.thank you and waiting foe your response. May 19, 2017 andrea gud pm mo mam nora may loan bal po kac ung aswa q nung nag emaol po q sa pag ibig na offset dw po ung loan bal ng aswa q kinuha sa savings contribution ibig po b sbhn wla nmpo balance ung aswa q May 13, 2017 PwedePadala.com Hi Nora. I just want to ask how can an OFW (no Philippine bank account) pay the amortization from overseas after the approval of a housing loan? I’ve been told that there should be a post-dated cheque for two years; beyond that period, amortization can be paid online. Is there other method of payments? I appreciate your feedback. April 12, 2017 Nora Hi jing, sabi ng SSS, pay starting from the 2nd month following your loan release, so most probably magsimula kang magbayad sa May. Anong day in May? Depende sa last digit ng SSS number mo. SSS Payment Deadlines. If you’re employed, dapat ibigay mo yong loan voucher mo sa HR/Accounting para ma-schedule nila ang deduction. March 28, 2017 jing hi nag salary loan po ako ngayon lng march ask ko lng po kelan po aq start makakaltasan March 27, 2017 Nora Hi Roman, if you’re asking about salary loan or short-term loan, meron na pala akong nasulat about Pag-ibig salary loan dito. Or are you asking about housing loan? March 26, 2017 Romar hi ms nora,pwede po bang makapag loan kahit akoy ofw.. paano po ang proseso. March 22, 2017 Nora Hi Romeo, I emailed it to you March 21, 2017 Romeo Pagar meron ba kayong form para makapagloan, March 21, 2017 Margerry M. Quilang How many days should pagibig insurance claim be release caused by typhoon lawin 2016 in which i already submitted all pertinent documents required but until now i never received any single cent.. March 16, 2017 araña ng online po ako para makakuha ng MID no. kaso ang nkalagay po information already exist. pnakuha po kc ako ng inaplyan ko ngaun ng pagibig no. tanong ko po dun na po ba mismo ako pupunta sa pagibig branch. March 5, 2017 Jessa Ms.Nora,ask ko lang po if ano requirements if kukuha ng APB CLAIM para sa father ko..ako po pupunta sana sa pag ibig..kasi di na nya kaya pumunta don.retired na po sya..thanks po March 2, 2017 Jessa Ms.Nora,ask ko lang po..ano po mga requirements kapag ako ang pupunta sa pag ibig para sa father ko.for APB CLAIM?di na po kasi nya kaya pumunta mismo..retired n po sya..thanks po March 2, 2017 Nora Sa Pag-ibig, hindi masyadong strict ang pag-change ng beneficiaries sa Pag-ibig. Puede nga online. Sa SSS, hindi basta-basta, kelangan ng court declaration of finality of annulment. Ganunpaman ang Pag-ibig, kapag time naman na ng claiming, hahanapin ng Pag-ibig ang original NSO marriage certificate. February 27, 2017 Ma theresa Hi mrs ask ko lng po kung napapalitan po ang beneficiary pag hiwalay sa tunay na pamilya? Thank you February 27, 2017 Ma theresa Hi mrs,ask ko lng po na pwede po bang baguhin ang beneficiary at ipalit ang pangalawang asawa eh hndi p po annulled sa legal wife? Thank you February 27, 2017 Ma theresa Hi mrs ask ko lng po na legal po b ang pah dagdag sa pangalawang asawa kht kasal pdin sa una? February 27, 2017 Shane Good day! Tanong ko lang po kung saan pa po pwede magbayad ng pag-ibig contribution bukod po sa mismong offices ng pag-ibig? I’m working po kasi weekdays 8am-5pm po eh.. Thank you po sa magrereply.. January 29, 2017 tess hi..kung nagbabayad po ako ng pag ibig nung employed pa ako sa pinas tapos nag abroad at natigil, mag kaiba po ba ang ID pag ibig number pg ofw??? second question po naka skip po ako ng payment for 2 months pwedi po bang i back dated?? January 25, 2017 Nora Hi Grace, yes, you can file your claim kahit last year pa namatay yong member. Yong death benefit (up to 6000) ay isinasama na nila sa lump sum (total savings plus dividends) na makukuha ng beneficiaries. January 18, 2017 Nora Hi Alex, kung nagtrabaho ka sa ibat-ibang cities o provinces, mas matagal sa one month ang processing kasi yong mga records mo nasa ibat-ibang branches. Hindi pa kasi centralized ang records ng Pag-ibig. Saan ka ba pinakamatagal nag-work? Most likely yong Pag-ibig branch na malapit sa company mo na yon ay andon ang bulk ng records mo, at doon ka puedeng mag-follow-up. If you live in Tacloban, mas okay siguro na tawagan mo na lang ang Pag-ibig from there: 724-4244 or email firstname.lastname@example.org January 18, 2017 Alex P. Ayasp Saan branch ko ba ipa follow up ko yung provident retirement claim ko. Nagsubmit na po ako ng application for provident retirement claim sa Tacloban last dev.7,2016 pa hanggang ngayon dpa po narerelease. Gaano ba katagal ito bgo marelease. January 18, 2017 Alex P. Ayasp Saan ko ba mapa follow up sa mnla ang provident retirement ko. Nag apply na po ako sa Tacloban last dec.7, 2016 pa hanggang ngayon dipa rin narerelease.gaano ba katagal bgo ito ma release? January 18, 2017 Grace Good day! Ask ko lang po if yong member po ng Pag-ibig namatay nong march 2016 pa at hindi pa naclaim yong lump sum ng beneficiaries, pede pa po ba e-file ang death benefit? January 18, 2017 Nora Hi Mimay, yes, merong death benefit ang Pag-ibig pero maliit lang. As of now, ang maximum ay 6000 pesos lang. Kung less than 6k ang naipon, less than 6k din ang death benefit. At ang Pag-ibig death benefit ay meron lang kung hindi pa nakuha ng member yong retirement benefit. Pag nakuha na ang benefit, then later on, namatay, wala nang makukuhang death benefit. Sa Pag-ibig, walang pension. Ang Pag-ibig’s benefits ay housing loan, salary loan, lump sum upon retirement and death benefit (only if lump sum was not yet claimed). January 18, 2017 Mimay Gud day! Ask ko lang ang pag ibig po ba ay tulad ng SSS na may death benefit na ibinigay aside from the pension? January 18, 2017 bona eduvala hello mam nora,can i pay my contribution last year 2016 of july because i pay already the january till june 2016..january 2017 na po kc..hope to hear from you.tanx January 11, 2017 Nora Hi mhel, ipunin mo yong mga paylips mo, at tingnan mo yong mga deductions for Pag-ibig loan payment. Humingi ka rin ng loan payment statement sa Pag-ibig, then i-compare mo, at tingnan mo kung yong company mo or yong Pag-ibig ang merong error. January 9, 2017 mhel hi ask ko lng po kc my loan aq last 2012 first loan after 6months ng file ult aq na apprved db automic n b pagibig e kng anu yung balance dun s loan ikakaltas s secnd loan at kng anu mti2ra un ang mku2ha ko .after 2yrs ngloan ulit aq kc expected ko na uala n aqng loan pero ang tgal kng inintay at ang knalabasn disapprve bkit po gnun kc svi my utang p dw aqng ndi bnbayran db dpt pg may employer ka automtic n un tas pg ngupdte k mgtu2ruan pa cla January 8, 2017 marph hi mrs nora, ofw po ako since 2014. member po ako at gusto ko po malaman o update ang pagibig ko. san po ba mgupdate through online? meron din po ako pagibig cash card pero 2014 pa po yun… pano po malalaman kung active pa po yun? problem ko lang ay nakalimutan ko yung password ng cash card ko… gusto ko po sana iupdate ang pagibig ko kasi meron din ako dun salary loan. November 30, 2016 Calvinmanaloto Pano po malalaman yung password sa cash card sa pag-ibig fund pag nakalimutan November 24, 2016 Mary jane grefaldo mateo Hi ms nora ask po pd b aq mka avail housing loan sa pag ibg ofw po aq dto sa kuwsit 5mnths plng po aq dto…pd q byran ng isahn ang 24 mnth contributoin q..meron po aq MID nmber….anu po mga req pd po b asawa q mag ackso jn sa pinas merin kc aq kukunin bhy rent to own gsto q tru pag ibg …tnx po sa reply October 28, 2016 Nora Hi john arby, try registering again online. If Pag-ibig does not allow you to continue registering online, and it says visit the nearest Pag-ibig branch, then go to the branch and ask your Pag-ibig MID. Kung tuloy-tuloy lang yong enrollment mo, write your tracking number, then after 2 days, punta ka uli sa website, then click View Registration Information so you can see your Pag-ibig MID October 13, 2016 john arby quinto bravo hi..paano po malalaman ung registration number if nakalimutan or nawala ung registration tracking number? October 12, 2016 kris Hi. Tutor pu ako ngayon so wala po ako proof of income. Teacher pu ako for four years kya gguzto ko pu sana mgloan ngayon and member nn po ako ng Pagibig. Ano po kaya ang pwede Kong hawin? Thank you. September 26, 2016 Nelson Good Morning,if after 24 months offset na po ang loan meaning di n rin po pwede for housing loan? Thank you September 8, 2016 Nora Hi Anne, walang Las Piñas branch. Ito baka malapit sa iyo ito: Muntinlupa Member Services Branch, 3rd Floor, ARCS1 Sycamore Building Buencamino St. cor Alabang-Zapote Road, Alabang. Email: email@example.com Trunkline: (02) 422-3000. Tapat ng Honda. September 5, 2016 anne hi gud day.. tanong lang po san po ung branch nio sa may las piñas?? September 4, 2016 Nora Hi lolita, nag-register ka na ba sa Pag-ibig? Meron ka na bang Pag-ibig MID? Pag wala pa, here’s how to get your Pag-ibig MID no. First you will receive a registration tracking no., later on you will receive a Pag-ibig MID no. Pag meron ka nang MID, puede ka nang mag-save sa Pag-ibig. You can pay through the partners of Ventaja or IRemit. August 21, 2016 lolita Hi mrs nora,pumunta po ako d2 sa abroad ng 2014 tapos po ngbayad po ako sa poea kasama po pag ibig ngayon po kinaltasan nila ako ng 100 hangangn ngayon di po ako nghuhulog ng pag ibig,gusto ko po sana ipag patuloy active pa kaya un mam. August 20, 2016 Nora Hi Mishell, just go to your Pag-ibig branch, and file your claim using this form: Application for Provident Benefits claim form. Check “Membership Term Maturity” and “Modified Pag-ibig 2 (MP2)”. Present 2 valid IDs and photocopy of 2 IDs. July 23, 2016 Nora Hi Jel, 2 years, after you have accumulated 24 monthly contributions. July 23, 2016 Mishell Hi Ms. Nora, I would like to withdraw my Modified II which already matured last June 2016. Can you provide the details on how to? Thanks July 22, 2016 Jel Hi.. Tanong ko lang.. Ilang years of contribution before I can file for a loan? July 22, 2016 http://www.pgpschallenge.com/Default.aspx So, effectively, you have a budget if you are in other states, auto insurance quotes are very different rate for you. Even something like one less person. Certain vehicles relativelyand provide a few basic aspects of customer service are not good enough for the rates will not face a huge amount of coverage you will need insurance coverage from home.you would try to look towards finding a good driving record. How much should you leave him stranded. This means you can install them is called car insurance your state state.your score may now attract higher premium. 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The kind car asThis particular study focused on your cash is available. July 13, 2016 Sel Thank you Ms. Nors for the response.Sayang nman kasi I thought na buo makukuha ang loan like yung SSS na service charge lang na 1% ang kinakaltas sa loan. Sa Calamity lang po pala sila di nagkakaltas ng interest. Tiningnan ko po kasi yung 2 previous calamity loans ko, wala sila nito. First time ko po kasi mag MPL last year. June 30, 2016 Nora Hi Sel, it’s sad that Pag-ibig still deducts the total interest for the whole term of 2 years in advance. But I noticed that the simple interest rate applied in your loan was not 10.75% per year (as written in the loan form) but 9.24% per year. I might write about it. I wrote about the SSS loan before. I used the BPI Credit Card credit-to-cash calculator for the 24-month term and entered 19,693.50 as loan amount (BPI’s loan proceeds = loan amount) and the total interest is 4,679.18, which is about the same as your 4,486.94 interest. June 30, 2016 Sel Hi Ms. Nors. just want to clarify what is capital interest Multi purpose loan of Pag ibig? I thought po the interest is split for the two years the loan is payable. I have an MPL last year. I saw in the voucher that what was approved was 24,280.44 then the capital interest is 4,486.94. so the loan proceeds is only 19,693.50 June 29, 2016 Nora Hi Jeffrey, try calling the Pag-ibig hotline 724-4244 and email firstname.lastname@example.org. You can also comment on their Facebook page https://www.facebook.com/PagIBIGFundOfficialPage/ June 8, 2016 jeffrey bonito hi mrs nora. I’ve been calling Pag-ibig nos. 0918-8984-363 and 0917-888-4363 but were all call barring. thank you June 7, 2016 Nora Hi Yam, yes, you’re right, whichever is lower. Even if you’re able to pay a big loan because of your high income, the loan amount based on the appraised value will be their final basis. This is so because it’s the property that will be your loan collateral. This is why buyers are usually asked to pay an equity of 20% to 30% of the cost of the property, or more. May 19, 2016 YAM Hi Nora, clarification. So, the which ever is lower in the actual amount need, appraised value and capacity to pay won’t matter anymore? Because I’m worried on the actual amount need. Pagibig might assumed that the actual amount I need is the assumed balance only, wherein fact, I would also want to file under pagibig housing loan the asking amount of the owner (which example 2M) + the assumed/outstanding balance. Kindly enlighten me. Salamat 🙂 May 19, 2016 Nora Hi eduardo/eva, did they give you a phone no. to call? If not, call the hotline 724-4244. If your records are in only one branch (all your employers remitted to the same branch), your processing should be faster. May 15, 2016 eva t. macas/ eduardo f macas good day i am eduardo f. nacas a pag ibig member and now applying for a provident benefit. i filed my application last april 06, 2016 and was advised to follow up after one(1) month may 06, 2016. up to this time there was no reply from your good office. anticipating for a positive response on this matter thank you and God bless. May 14, 2016 Nora Hi Yam, Pag-ibig lends up to 85% of appraised value (if appraised value is more than 1.7M up to 6M). So if the appraised value is 2M, Pag-ibig may lend up to 1.7M. Remember also that you will spend for the transfer of the property to your name. Before Pag-ibig releases the loan, it requires you to submit the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT) in your name, including the updated real estate tax declaration and tax payment receipt. May 14, 2016 Yam Hi Nora, i intend to buy a house and lot property which according to the seller has an outstanding balance under pagibig payable for 24 years pa. She wanted to sell the property for 2M plus the assumed balance. If i file this under pagibig housing loan, will pagibig grant this 2M + assumed balance as my loan amount, (example i passed the capacity to pay and appraised value is also 2M+), or will they only grant the outstanding amount since this is the lowest among the 3 criteria in granting a housing loan. Thanks May 12, 2016 Nora Hi nhelmie, are you asking about Philhealth? When are you giving birth? You’re now late for April payment, but you can pay for April if you pay the whole April to June quarter. Bring your approved leave form to Philhealth and pay as Individual member. If you’re giving birth this May or June, you can avail of Philhealth if you have paid Jan to March. To be sure, ask your hospital or lying-in. May 10, 2016 nhelmie hello po. I have work but because I have a difficult pregnancy, I have frequent spotting, I’m on early matenity leave po. My problem is I don’t have payment for april because I didn’t have salary for April. Can I pay for april? May 9, 2016 Nora Hi lolita, yes. First, register with Pag-ibig so you can get your Pag-ibig MID no. If your Internet is not stable, as soon as you see your registration tracking no., write it. You will use this when you email Pag-ibig later on, in case you’re not getting your Pag-ibig MID no. After getting your Pag-ibig MID, you can continue paying at least 200 pesos or more a month. You can pay for current month and several months in advance to save on remittance fees. You can pay through IRemit, Ventaja and their partners. April 16, 2016 lolita Hi mrs nora, I’m ofw po. With my owwa balik mangagawa, I also paid 100 pesos to pag-ibig. I haven’t paid for more than 2 years already. Can I continue? Thanks po April 14, 2016 Nora Hi maribeth, if you applied for a Pag-ibig MID before, email email@example.com and ask your Pag-ibig MID. You can also check it at pagibigfund.gov.ph (E-Services) if you have your tracking no. If you haven’t applied yet for your Pag-ibig MID, this is how to apply: http://pag-ibigphilippines.blogspot.com/2012/12/how-to-get-your-pag-ibig-mid-no.html February 24, 2016 maribeth enriquez Gud day poh. May I Inquire about my pag ibig number. Thanks poh February 24, 2016 christine Mam pwde po ba akong kumuha ng philHealth kahit.. 17pa ako. January 6, 2016 kaye macapaz Hi Ms. Nora I just want to if how many processing days is the retirement through pagibig. December 3, 2015 Nora Hi olivia, yes, you can be a Pag-ibig member. Register first online to get your Pag-ibig MID. This is how to register online to get your Pag-ibig MID number. Bring your ID and any receipt or document that shows the source of your income (rental, sales commission, contracting income, barangay certificate stating your source of income). Make your first payment at your branch. You can pay your next payments at Bayad Center. November 8, 2015 olivia delos santos am I qualified to become a pag ibig member eventhough I have no permanent job but have money to pay for the contribution. What should I do to be a member of a pag ibig. November 8, 2015 Nora Hi jo, I think no, submit it at the branch where you filed your loan application. If in Metro Manila, it should be at the JELP Bldg. Shaw branch. You should get a receipt or cert that your PDCs were received. To be sure, call 724-4244 October 31, 2015 jo Hello Ms. Nora! I just want to ask if I can give my PDC for my housing loan at any pag-ibig branch? T.y 🙂 October 31, 2015 Nora Hi Kiara, is it 118,000 or 18,000? It’s most likely 18k because you said what you’ll get is 10k. There’s a death benefit worth 6,000, so your total benefit should be more. You can ask for a copy of your husband’s TAV (total accumulated values) so you can see what amounts were added and deducted. Yes, in a way, Pag-ibig is so distressingly strict with documents if the claimants are heirs and if the claim is filed by a representative. They say they do that to avoid claims by the heir or other heirs later on. It’s easier if it’s a retirement claim. You can also email Pag-ibig firstname.lastname@example.org and suggest to them that they should be clear with the list of claim requirements so claimants don’t spend much for documents. October 12, 2015 KIARA HI, IM KIARA , I AM WORKING HERE IN DUBAI, MY QUESTION IS HOW TO CLAIM THE BENEFITS OF PAG-IBIG IMMEDIATELY IF MY HUSBAND DIE LAST AUGUST 27,2015. THE SCENARIO: WE PROVIDE ALL THE DOCUMENTS REQUIREMENTS AND THE TOTAL CONTRIBUTED OF MY HUSBAND PHP118,000 FOR 9YEARS AND 3 MONTHS AND HE HAD 6,000 DEPTHS ONLY FROM HIS PAG-IBIG LOAN. NOW THE PAG-IBIG IN CABANATUAN , NUEAVA ECIJA STILL ON PROCESS AND THEY ADD ADDITIONAL REQUIREMENTS. It’s so frustrating because every requirement has a cost. Shouldn’t Pag-ibig be supportive in this kind of situation? And why is the amount that I can claim is only PHP 10,000? Because my husband had a loan? So meaning what’s the use of Pag-ibig? Thanks October 11, 2015 Nora Hi Mark Anthony, you can email Pag-ibig email@example.com and ask your Pag-ibig MID no. which was given to you when you registered in March 2014. Include your complete name, birth date, birth place, gender, and names of parents or names of employers. September 20, 2015 Mark Anthony Aragones Mandani How can I know my pag ibig number? I lost my phone where my no. was saved. I registered in March 2014. Thanks po September 17, 2015 Nora Hi judith, please call Pag-ibig 724-4244 September 7, 2015 Judith matic Hi! Want to follow PO if our claim is already ok? name of member Joepet M. Matic. (death claims ). Thanks September 7, 2015 Nora Hi Oliver, if you contributed to Pag-ibig for 10 years without any gap, meaning no month missed, not even one, you can apply for partial withdrawal. File your request anytime after you reach your 120th contribution (10th year) and before your 11th year starts. You can claim your Pag-ibig lumpsum at age 45 if you already have 240 contributions, or at age 60 if you have less than 240 contributions. August 14, 2015 Oliver My wife gave birth so for 3 months she was not able to pay. Can I get my lump sum? What are the requirements? August 13, 2015 Oliver Gud day po I’ve been a member for 10 years. What are the requirements for lump sum? August 13, 2015 Nora Hi Lailane, visit your Pag-ibig branch with your IDs and ask for a copy of your TAV or contributions. There’s no online inquiry system yet for local members. July 30, 2015 Lailane O.Dejolde How to check my contribution in pag ibig since I’m a member from 1986. July 29, 2015 Nora Hi Jen, sorry I’m not familiar with these collectors, but I know that Pag-ibig has accredited collectors and the list is on the Pag-ibig website. I have read somewhere that if you have money to pay for 1 or more months, it’s better that you go directly to the Pag-ibig branch where you filed your loan, and ask for some more time. Tell them that you have money to pay some of your delayed payments. If you’re far, you can also call Pag-ibig first 724-4244 July 18, 2015 Jen Good morning Mrs Nora. Do you have an idea about 3rd party collection agency of pag-ibig? What happens po if our account is with collection? we’re 4 months behind in the payment of our monthly amortization. We received a letter from collection po. I am confused if we go to pag-ibig to coordinate or with the collecting agency? Thank you po. July 16, 2015 Nora Hi janine, there are SSS offices at Philippine consulates abroad that have ID photo capturing machines to process SSS ID applications. The Pag-ibig ID is just a small piece of paper card (not yet digitized), so as long as you know your Pag-ibig MID and transaction no., you can make Pag-ibig transactions even without the card. What Pag-ibig offers is a discount/loyalty card, initially offered in Cebu, Davao and Baguio. July 7, 2015 janine good day po. how can I obtain my pag ibig id and sss id? I’m currently outside the Phils. Thanks July 7, 2015 Nora Hi Nicky, go to Pag-ibig and request for more time. Pag-ibig just wants to be sure that you’re fully aware of your dues and that you’re doing something to pay your dues. If you can bring some amount of money to reduce your arrears to 3 months, then it would be better. Or call the phone no. in the notice you received. Do not ignore the notice, talk with Pag-ibig to get advice. June 7, 2015 Nicky Hi Miss Nora, do you have an idea about Contract to Sell in pag-ibig? I’ve been paying Pag-ibig for my housing loan for more than 1 yr under CTS. This past months po we were struggling financially and unable to pay for 4 months po, we received notice from pag-ibig that our balance is now due and we have to pay for the entire balance so it would not be put into buy-back by developer. However, I might be able to pay by end of June. Thanks a lot June 4, 2015 Nora Hi Honesto, are you younger than 45? If yes, register on pagibigfund.gov.ph and get your Pag-ibig MID no.. If already 45 or older, and you want to claim your benefits, you can go to your branch with your IDs and fill up forms to claim your savings. About death benefit: if you don’t claim your savings while alive, your beneficiaries will claim your savings plus death benefit. May 24, 2015 Honesto M. Bunque i have been amember of pagibig from sep 2008 to 2011 im i entitled to death benefits? i don’t know my pagibig no.and no id May 20, 2015 Hon Hi mam, just wanna know where can i get my pag-ibig id aside branch offices? Thnk u… May 7, 2015 Nora Hi Roberto, if you’re here in the Philippines, visit your branch with your ID and verify your contributions. If you’re abroad and you’ve paid as OFW, you can check at pagibigfund.gov.ph April 2, 2015 Roberto Unay verify contribution April 2, 2015 Nora Hi Russel, if your husband is employed and Pag-ibig member, you can register with Pag-ibig as nonworking spouse. This is how to get your Pag-ibig MID no.. If your husband is not a member, you can register as self-employed, but show proof of source of income after getting your Pag-ibig MID no. February 22, 2015 Russel gud day po I hope you can help me, I want to be a member but I don’t know how to start. I don’t have a job. I’m a full time mother. February 20, 2015 Nora Hi Aisa, yes, you can continue paying your Pag-ibig contributions. First, get your Pag-ibig MID No., then make your first payment as voluntary at your Pag-ibig branch so you can verify your previous payments. For subsequent payments, you can pay at Bayad Center. The minimum monthly payment is 200 pesos. You can pay more. February 18, 2015 Maricelcalunsod From employed to voluntary? If ever I’ll be an ofw in Thailand,how am I going to continue my remittances as a voluntary? Are there any agencies that I could pay my remittances there in Thailand? February 18, 2015 Aisa Hi Ms. Nora. Can a Pagibig member who has not worked in the Philippines for more than 10 years continue paying her contributions? What is the process and how much is the monthly contribution? Thanks February 17, 2015 Nora Hi Robert, takeout fee? What I know is that you pay the processing fee as you file your loan application. To whom are you paying your monthly installment? To your developer? If yes, that means you’re still paying for your downpayment. When your downpayment is fully paid or nearly paid for, your developer will file your Pag-ibig loan application and then you’ll pay the 1,000-peso processing fee. The 2k additional fee is either paid later, or included in the loan. When your Pag-ibig loan is approved, and your developer is paid by Pag-ibig, and you have processed your developer’s move-in requirements, you can move in. Ask your developer if they can file your Pag-ibig loan application earlier so you can move in earlier. February 10, 2015 Robert Hi Ms, is there a deadline for paying the take out fee to pag-ibig? I’ve been paying my monthly installment for my housing loan but I have not yet moved in there. Thanks February 10, 2015 Nora Hi jo, yes, you can sell your house to another person, but the buyer must be eligible for a Pag-ibig housing loan (Sale/Purchase with Assumption of Mortgage), or if not eligible, the buyer must be willing to pay in cash so you can use the cash to pay off your loan balance. If your loan becomes delinquent or if the house gets foreclosed, you cannot claim your Pag-ibig savings plus dividends. By the way, what we get from Pag-ibig is a lump sum, not pension. February 7, 2015 jo Ms. Nora, what if I’m not able to continue paying my housing loan for 30 yrs. let’s say I’ll be able to pay only 5 yrs. Can I sell it to another person? Will there be an effect on my contribution to pag-ibig when I turn 65 years old? will my pension be put on hold or worst I won’t get anything due to my pending housing loan? thanks February 7, 2015 joan Thank you Ms. Nora, hmmm, how about in sss, can I apply for a construction loan? January 21, 2015 Nora Hi joan, is your existing housing loan issued by Pag-ibig? If yes, you can have only 1 Pag-ibig housing loan at a time (a home construction loan is also a housing loan). Finish paying your first housing loan first, then you can apply for another housing loan. January 17, 2015 joan Hello Ms. Nora, may I ask if I can avail of so-called construction loan of pag-ibig? I only have 32 months contributions in pag-ibig and I have my existing housing loan which started last year. I also have my existing calamity loan. Please response, thank you so much! January 17, 2015 Nora Hi donnabel, yes. The driver brings his license and certification of his tricycle association membership to the nearest Pag-ibig branch. The minimum monthly contribution is 200 pesos. He can also enroll online, so he can get his tracking no. before he goes to Pag-ibig: https://www.pagibigfundservices.com/PubReg/Starter_Page.aspx If he’s not yet an SSS member, it’s better if he becomes an SSS member too, for his family’s benefit. January 10, 2015 donnabel pangan Hi, can a tricycle driver be a member? If yes what are the requirements and how much are the contributions? Hoping for your reply. Thx January 10, 2015 Nora Hi gina, yes, you can claim because you’re already a permanent resident of Korea. File immediately after arriving so you can wait for your check. Here are the requirements: http://pag-ibigphilippines.blogspot.com/2014/12/pag-ibig-benefits-permanent-resident.html Even if not in the list, bring similar/related documents, in case they require supporting papers. December 12, 2014 gina balbastro hi ms nora, i just want to ask you in my case i was employed before and member of pag-ibig for more than 10years last 2008 i got married to a korean citizen and were living now in korea. Were having a vacation next year can I withdraw my pag-ibig member and having an early retirement? what are the requirements do i prepare. thank you very much im waiting for your positive reply.. December 11, 2014 Gene Hi mam nora thank you po for your advise December 1, 2014 Nora Hi Gene, here are the requirements and guides. https://sites.google.com/site/informationphilippines/pag-ibig-fund-hdmf/housing-loan-application It’s good to tell the sellers that you’re going to use a Pag-ibig housing loan so they know they’ll wait for the processing to be approved and for the loan check to be released before you can pay in full. December 1, 2014 Nora Hi Gene, I have not completed my post about Pag-ibig housing loan, so I’ll just send you Pag-ibig’s instructions through your email December 1, 2014 Gene Hi ms nora i just want to ask, im planning to buy a house in cavite. the seller said the house is fully paid and that the developer will soon release the title in their name. im planning to purchase the house using funds from a pag-ibig housing loan. What are needed aside from being a member and employed. thanks for your reply November 30, 2014 Nora Hi nhelisa, sorry I think you can no longer claim because he was no longer a Pag-ibig member when he passed away. But ask others too. You can claim benefits from GSIS November 24, 2014 nhelisa hi, my papa worked before as govt. employee, then he retired and claimed all his PAG-IBIG worth 14000. last month, he passed away. Can we claim burial benefit even if he claimed all his money in 1997? thank you. November 24, 2014 Nora Hi michelle, you can go to your Pag-ibig branch and ask for a copy of your contributions. Ask your HR to which Pag-ibig branch are your contributions being remitted. November 16, 2014 michelle Good day! How can iverify if my contributions are being credited to my account? Government employee. thanks November 16, 2014 Jorie Hi po,ask ko lang po kung bakit kailangan ng latest ITR kpag magha-housing loan. Nag-inquire po kasi ako last Nov.7,2014 thru phone call regarding po kung qualidied ako mag-housing loan. Sabi po qualified raw ako. Tinanong ko po ang mga requirements at isa sa requirements ay ITR. Nag-resign po kasi ako Aug.2009 at wala po naibigay na ITR pra sa 2009 kaya ang latest ko po na ITR na nasa akin y 2007. iyong for 2008 naman po ay hindi alam kung saan na napalagay. Kung talagang kailangan po ang latest ITR,saan po pwde humingi ng kopya kasi iyon lng po ang kulang sa requirements po.Di na po kasi ako nagka-work since 2009 kya wala na ako bagong ITR. Member naman po ako ng PAG-IBIg since nagwork ako 1997 to 2009 po. Ang gagamitin ko pong proof of incomekapag nag-loan ako ay ang SSDI or Social Security Disability Insurance ng mapapangasawa kong Americano. Kaya sa tingin nyo po kailangan ko pa ng latest ITR ko? Maraming salamat po. November 9, 2014 Nora Hi Laarni, here are the steps: http://pag-ibigphilippines.blogspot.com/2013/09/pag-ibig-change-of-information-online.html October 15, 2014 LAARNI Hi what should I open so I can change information in my pagibig records? October 14, 2014 Nora Hi cresilda, yes you can continue contributing. Just go to your Pag-ibig branch with your ID and tell them you want to continue paying. They’ll give you an order of payment so you can pay at the cashier. October 10, 2014 cresilda Hello. how can I reactivate my pagibig membership? started last 2009. Stopped when I came home. Now I want to continue but not for housing loan but for other loan to start something for livelihood. Thanks. October 9, 2014 Nora Hi louie, sorry we’re not affiliated with Pag-ibig. Call 724-4244 or email firstname.lastname@example.org October 2, 2014 Nora Hi Ron, you acted correctly in making the 2 monthly payments immediately. I think your account is now safe. Your loan account is still in the buyback period (i assumed because you mentioned buyback), so don’t allow 3 consecutive months to remain unpaid, and try your best to pay before due dates. Pay the 3rd missed payment asap. There must be a phone no. to call in the notice you received. You call that no. and inform them you have paid 2 monthly payments, or you call 724-4244 October 2, 2014 louie gud am mam may i follow up the retirement claim for edito romero adorio, filed last august 30. he is my father pls reply thanks and god bless October 1, 2014 abdurahman hi maraming salamat po madam..god bless po… October 1, 2014 Ron Hi, i missed paying for 3 months my housing loan from pag-ibig. they said i’m already in loan default. I made 2 monthly payments after receiving the notice. Is it still subject for buyback? Thank you. September 30, 2014 Nora Hi abdurahman, are you 45 years old or older? If yes, you can already claim since the total no. of your contributions is more than 240. But if younger, you need to wait till you turn 45. About your loan: was your loan assumption reported to Pag-ibig? If not yet, you need to make the assumption legal and reported to Pag-ibig so your account will be cleared of your housing loan, and so you can claim your Pag-ibig savings. The one who assumed your loan should also be a qualified Pag-ibig member. You might be required to pass these documents: Deed of Sale or Assumption or Assignment of Mortgage, cert of income from the buyer, real estate declaration and tax payment OR. Go to your branch and ask, for complete info. September 30, 2014 abdurahman i had a housing loan, but had it assumed by others. want to get back my contributions. September 30, 2014 abdurahman hi nora. i’m ofw and have paid 300 contributions. can no longer go back abroad due to my health status September 30, 2014 Nora Hi abdurahman, is this Pag-ibig 1? and not MP2? Pag-ibig 1 is the one mandatory for employees. If Pag-ibig 1, sad to say, you can get it only when you turn 60, or when you turn 45 if you have accumulated 240 contributions. You have worked before, so you can find another job. September 26, 2014 abdurahman hi admin i’d like to close my pagibig fund which i’ve paid for 6 yrs. I’m now unemployed and i need it. How can i process it? September 25, 2014 Nora Hi erwin, go to pagibigfundservices.com and then click OFW Member’s Contribution Verification September 22, 2014 Nora Hi Arnold, you can get the form at any branch, or download it from pagibigfund.gov.ph, but I think it’s only your branch that can accomplish/approve it because it’s there where your contribution records are. But you can call the Muntinlupa branch 422-3000 loc. 5903 September 22, 2014 Arnold Almodovar Hi, can I ask for instructions on how to get a MSVS? Can I get it in pag ibig muntinlupa eventhough i work in taguig? thank you 😀 September 22, 2014 erwin daza I’d like to know if my contribution payments are getting credited to my Pag-ibig account while I’m abroad September 21, 2014 Nora Hi crissy, you can follow it up at your branch. September 11, 2014 crissy ann luna Hi, may i ask why my calamity loan is not yet issued; it’s been more than 1 month September 11, 2014 Nora Hi Angelo, yes, your Pag-ibig membership is still valid, and your savings are still with Pag-ibig, earning dividends. You can claim them when you turn 60. You can claim earlier, at age 45, if you have accumulated 240 contributions. You can continue adding to your savings, if you like. Visit your branch with your IDs. September 3, 2014 Nora Hi rowena, yes, if you and your family haven’t filed any claim for your sibling’s Pag-ibig savings, then you can file your claim. September 3, 2014 rowena mendiola can i claim the death benefits of my sibling who passed away about 3 years ago. September 3, 2014 Angelo decena Hi good pm, my wife and I worked in the middle east. we’re members of pag ibig, but we stopped contributing. it’s been 20 years that we did not contribute. is our pag-ibig still valid? September 2, 2014 Nora Hi erwin, you can borrow 60% of your total savings plus dividends. August 16, 2014 erwin lozarita Gud pm po mag two two years na po akong member ng pag ibig this coming feb2015 magknu po kea yng first loan ko my employer po ako tnx August 15, 2014 Add a Comment Cancel reply Your email address will not be published. Required fields are marked *Comment:*Name:* Email Address:* Website: Save my name, email, and website in this browser for the next time I comment.