9 Pag-IBIG Benefits – What They Are And How To Benefit from Each

Pag-IBIG Benefits. The Pag-IBIG Fund is widely known for offering affordable housing loans, helping millions of Filipinos turn their dream homes into reality without the burden of high interest rates.
But did you know that there’s more to Pag-IBIG than just home financing? You can take advantage of several Pag-IBIG benefits designed to support members during various life events. Let’s explore what they are and how you can access them.
What is the Pag-IBIG Fund (HDMF)?
The Home Development Mutual Fund (HDMF), more commonly referred to as Pag-IBIG Fund, was established in 1978. It is a government-owned and controlled corporation operating under the Department of Human Settlements and Urban Development.
Its primary goal is to provide accessible and low-cost housing for every Filipino. Over the years, however, Pag-IBIG has expanded its services beyond housing. Today, members can enjoy a wide range of Pag-IBIG benefits such as:
- Multi-purpose loans
- Calamity loans
- Provident savings benefits
- Death benefits for beneficiaries
Stay with us as we break down each of these benefits and explain how you can apply for them.
How Much is the Pag-IBIG Contribution in 2025?
Your Pag-IBIG contribution depends on your job status whether you’re employed, self-employed, or a kasambahay. Here’s a simple breakdown of the contribution rates to help you understand how much you or your employer need to pay.
Pag-IBIG Contributions for Employees and Employers
If you work in the private or public sector, both you and your employer are required to contribute. Here’s how it works:
Membership Type | Employee’s Share | Employer’s Share |
---|---|---|
Private sector employee | ₱200 | ₱200 |
Government employee | ₱200 | ₱200 |
Pag-IBIG Contributions for Self-Employed Members
Self-employed individuals have flexible contribution options based on their income and occupation. Here are the contribution guidelines:
Membership Type | Contribution |
---|---|
Business owners and professionals (engineers, doctors, lawyers, etc.) | ₱400 monthly (they shoulder both employee and employer shares) |
Informal workers (vendors, drivers, tourism workers, etc.) | 1% of income if earning between ₱1,000–₱1,500/month |
2% of income if earning over ₱1,500/month |
Pag-IBIG Contributions for Kasambahays (Household Helpers)
Even domestic helpers or kasambahays are entitled to Pag-IBIG benefits. The contribution depends on their monthly earnings:
Monthly Salary | Employee’s Share | Employer’s Share |
---|---|---|
₱5,000 and above | ₱200 | None |
Below ₱5,000 | None | 3% of income (₱1,000–₱1,500) |
4% of income (₱1,500–₱5,000) |
Note: You and your employer can choose to contribute more than the minimum to increase your savings, dividends, and loanable amount. A higher contribution boosts your Pag-IBIG benefits over time.
9 Pag-IBIG Benefits for Contributing Members
Are you a contributing member of Pag-IBIG? Whether you’re employed, self-employed, or a voluntary member, Pag-IBIG Fund offers multiple benefits that help secure your financial future. From savings growth to housing and even death benefits, here’s a detailed look at what you can enjoy as a Pag-IBIG member:
1) Pag-IBIG Regular Savings Program
This is the core benefit where your monthly Pag-IBIG contributions are deposited. For employed members, your monthly savings are matched by your employer, effectively doubling your contribution each month.
On top of that, your savings earn dividends annually, allowing your money to grow over time. If you want to increase your returns, you can voluntarily increase your contribution.
For Employed Members
Your contributions are automatically deducted from your salary by your employer.
For Self-Employed or Voluntary Members:
You can pay your contributions manually. Here are two easy ways:
How to Pay Over-the-Counter
To pay your Pag-IBIG contribution in person, follow these steps:
- Prepare your Pag-IBIG account number and the amount you wish to contribute.
- Visit any accredited payment centers such as Bayad Center, SM Business Centers, M. Lhuillier, ECPay, or AUB.
- Fill out the payment form, wait for your turn, and submit both your form and payment to the cashier.
How to Pay Online via GCash
You can also pay your contributions easily using GCash:
- Open your GCash app.
- Tap Bills > Government > Pag-IBIG.
- Input all required details, including your Pag-IBIG account number, contribution amount, and type.
- Tap Next, review your details, then tap Confirm.
- Follow the on-screen instructions to complete the payment.
2) Pag-IBIG MP2 Program
Looking to grow your savings with pag-ibig benefits – MP2? The Pag-IBIG MP2 Savings Program is a voluntary savings scheme ideal for active members or even former Pag-IBIG contributors who want to earn more than the standard savings rate. Even if you’re already saving under the Regular Pag-IBIG program, you can still open an MP2 account. The minimum contribution is just ₱500.
This program offers tax-free dividends, which are usually higher than those from the regular Pag-IBIG savings. The earnings are sourced from 70% of the Pag-IBIG Fund’s annual net income, making it a smart choice for medium- to long-term savers.
Benefits of the Pag-IBIG MP2 Program
- Higher annual, tax-free dividends
- Open to current and former Pag-IBIG members
- Flexible contributions (minimum ₱500)
- Secure government-backed investment
- Multiple account ownership allowed
Requirements to Open a Pag-IBIG MP2 Account
To get started, prepare the following:
- A valid government-issued ID
- Completed MP2 Enrollment Form
- Bank details (ATM card or passbook) for dividend payouts
How to Open a Pag-IBIG MP2 Account Online
- Go to the Pag-IBIG MP2 Enrollment Page.
- Fill in your Pag-IBIG Membership ID (MID) number, name, and birthdate.
- Enter the CAPTCHA code and click Submit.
- Set your desired monthly contribution.
- Choose your dividend payout option and payment method.
- Indicate your source of funds.
- Click Submit to complete your enrollment.
How to Open a Pag-IBIG MP2 Account Offline
Prefer in-person setup? Follow these steps:
- Download and fill out the MP2 Enrollment Form from the official Pag-IBIG website.
- Visit any Pag-IBIG branch near you.
- Submit the completed form along with your ID and bank details.
3) Pag-IBIG Loyalty Card Plus
Introduced in 2014, the Pag-IBIG Loyalty Card Plus offers more than just an ID—it comes with a wide range of Pag-IBIG benefits for members. This upgraded loyalty card allows you to enjoy exclusive discounts, rewards, and rebates at over 300 partner stores and service providers across the Philippines.
Benefits of the Pag-IBIG Loyalty Card Plus
- Enjoy discounts on groceries, tuition, fuel, medicine, and more.
- Access loyalty rewards from partner hotels, restaurants, and clinics.
- Use the card as a valid government-issued ID.
- Receive your Pag-IBIG loan proceeds and savings directly through the card.
How to Apply for Pag-IBIG Loyalty Card Plus
Follow these simple steps to get your card:
- Download and complete the Pag-IBIG Loyalty Card Plus application form.
- Visit your nearest Pag-IBIG Fund branch.
- Submit the form and wait for your name to be called.
- Pay ₱125 as the card issuance fee.
- Get your photo and fingerprints taken on-site.
- Once your details are verified, you’ll receive your Loyalty Card Plus and PIN Mailer.
4) Pag-IBIG Benefits
One of the most sought-after Pag-IBIG benefits is the Pag-IBIG housing loan, designed to help members achieve their dream of homeownership. Whether you’re buying, building, or renovating a house, Pag-IBIG offers up to ₱6 million in affordable financing with low interest rates and flexible payment terms.
What Can You Use the Pag-IBIG Housing Loan For?
With a Pag-IBIG housing loan, you can finance any of the following:
- Purchase of a residential lot
- Buy a house and lot, townhouse, or condo unit (brand new, pre-owned, or under mortgage with the Fund), including parking slots
- Construction of a new house on an owned or acquired lot
- Renovation or improvement of an existing residential property
- Refinancing an existing housing loan from a bank or other lender
- Combine any of the above purposes under one loan
Eligibility Requirements for a Pag-IBIG Housing Loan
To qualify for this benefit, you must meet the following criteria:
- Be an active Pag-IBIG member with at least 24 months of contributions
- Be under 65 years old at the time of loan application, and not older than 70 years at the loan’s maturity
- Have the legal capacity to acquire or mortgage real estate property
- Have no existing Pag-IBIG housing loan that was foreclosed, canceled, bought back, or voluntarily surrendered
- If you already have a Pag-IBIG housing loan or Short-Term Loan (STL), your payments must be up to date
Required Documents for a Pag-IBIG Housing Loan
Before you apply, make sure to prepare the following documents:
- Accomplished housing loan application form with recent ID photos of the borrower and co-borrower
- Proof of income (e.g., payslips, employment certificate, ITR, or financial statements)
- Valid government-issued ID (photocopy back-to-back)
- Transfer Certificate of Title (TCT) – if applicable
- Tax declaration or real estate tax receipt – if applicable
- Vicinity map or sketch map of the property – if applicable
How to Apply for a Pag-IBIG Housing Loan
Here’s a step-by-step guide to help you apply:
- Submit your documents at the nearest Pag-IBIG Fund branch or via Virtual Pag-IBIG for online convenience.
- Wait for your Notice of Approval (NOA) and Letter of Guaranty (LOG).
- Complete the requirements listed in your NOA within 90 calendar days.
- Once all conditions are fulfilled, loan proceeds will be released within 10 working days.
5) Pag-IBIG Home Equity Appreciation Loan (HEAL)
The Pag-IBIG Home Equity Appreciation Loan (HEAL) is designed to help qualified members borrow money based on the net value of their property. Whether you need funds for home renovations, launching a business, paying for tuition, traveling, or other personal needs, HEAL offers a practical solution backed by your existing home equity.
Who Can Apply for Pag-IBIG HEAL?
To qualify for the Pag-IBIG HEAL program, applicants must meet the following criteria:
- Must be an active Pag-IBIG member or have at least one monthly membership saving within the last 6 months
- Age must not exceed 65 years at the time of application and must be below 70 years old upon loan maturity
- Must have the legal capacity to acquire and mortgage a real estate property
- Should have an existing Pag-IBIG housing loan that was approved at least 5 years prior to the new HEAL application
- Existing loan must have consistent and on-time payments over the past 12 months
- Must pass Pag-IBIG’s background check
- No unsettled Short-Term Loan (STL) arrears at the time of applying
Required Documents for HEAL Application
Prepare the following documents to apply for the HEAL program:
- Duly accomplished Pag-IBIG HEAL Application Form
- Proof of income (e.g., payslip, income tax return, or Certificate of Employment and Compensation)
- One government-issued valid ID
- Real property tax receipts updated to the quarter just before the application date
- Completed Health Statement Forms
- Signed Conformity Form for New/Subsequent Housing Loan Availment
How to Apply for Pag-IBIG HEAL Loan
You can apply for the Pag-IBIG HEAL conveniently online or by visiting a Pag-IBIG branch. Here’s a simple step-by-step process:
- Log in to your Virtual Pag-IBIG account.
- Go to the “Apply for and Manage Loans” section.
- Input your Pag-IBIG Housing Account Number (HAN) and fill in the required fields.
- Upload all required documents online. Alternatively, you may personally submit them to your nearest Pag-IBIG office.
- Pay the processing fee through Virtual Pag-IBIG or any Pag-IBIG-accredited payment partners.
- Wait for the Notice of Approval (NOA) and other documents, which will be sent to your Virtual Pag-IBIG account.
- After approval, submit the required post-approval documents either at a Pag-IBIG branch or send them via courier.
6) Pag-IBIG Calamity Loan
If you’re living in an area recently hit by a natural disaster—such as a flood, fire, or earthquake—you may qualify for the Pag-IBIG Calamity Loan. This is one of the many Pag-IBIG Fund benefits available to active members, designed to help ease financial burdens during tough times.
With this loan, qualified members can borrow up to 80% of their total Pag-IBIG savings, offering much-needed financial relief when it’s needed most.
Who Can Apply? (Eligibility Criteria)
To qualify for the Pag-IBIG Calamity Loan, make sure you meet the following conditions:
- You are an active Pag-IBIG member with at least 24 monthly contributions
- You don’t have any existing Pag-IBIG loan in default
- You can provide the necessary documents (see below)
Required Documents
Here’s what you need to prepare before applying:
- Completed Calamity Loan Application Form
- Proof of Income (e.g., payslip, certificate of employment)
- Any other documents required by Pag-IBIG for verification
How to Apply for the Pag-IBIG Calamity Loan
There are two ways to apply—choose the method that works best for you:
1. Online Application
- Visit the Virtual Pag-IBIG portal.
- Log in to your account.
- Upload the filled-out application form and supporting documents.
2. Over-the-Counter Application
- Go to your nearest Pag-IBIG branch.
- Submit the completed form along with the required documents in person.
7) Pag-IBIG Multi-Purpose Loan (MPL)
Looking for instant financial support? The Pag-IBIG Multi-Purpose Loan (MPL) is designed to help members manage urgent expenses. Whether it’s for medical bills, school tuition, small business capital, minor home repairs, utility payments, or even a vacation, the MPL has you covered.
With the Pag-IBIG MPL, you can borrow up to 80% of your total Pag-IBIG Regular Savings, giving you flexible access to your funds when you need them most.
pag-ibig benefits – mpl
- Borrow up to 80% of your total savings
- Quick access to funds for emergencies
- Flexible repayment options
- Available for various personal needs
Who Can Apply for the Pag-IBIG MPL?
To qualify, you need to meet the following criteria:
- Be an active Pag-IBIG Fund member with at least 24 monthly contributions
- No default on existing Pag-IBIG loans
- Submit a filled-out MPL application form
- Provide valid proof of income
How to Apply for a Pag-IBIG MPL
Applying is easy and can be done through any of the following:
1. Online via Virtual Pag-IBIG
- Log in to your Virtual Pag-IBIG account
- Upload your completed application form and all required documents
2. Over the Counter
- Visit your nearest Pag-IBIG branch
- Submit your documents and completed application in person
8) Pag-IBIG Provident Benefits for Senior Citizens and Retirees
Are there Pag-IBIG benefits for senior citizens after retirement? Yes! If you’re a Pag-IBIG member, you can claim your Pag-IBIG savings when you reach the retirement age 60 years (optional) or 65 years (mandatory).
Members as young as 45 years old may also apply for provident claims, provided they have completed at least 240 monthly contributions (20 years).
Who Is Eligible for Pag-IBIG Provident Benefits?
To apply for Pag-IBIG Provident Benefits, make sure you meet the following conditions:
- Aged between 45 and 65 years
- Must have at least 20 years or 240 months of total contributions
- Submit the following documents:
- Application for Provident Benefits (APB) form
- Order of Retirement, Statement of Service, and Service Record (if applicable)
- GSIS retirement voucher (if applicable)
- SSS employment history (if applicable)
- Valid ID or your Pag-IBIG Loyalty Card / Loyalty Plus Card
How to Claim Your Pag-IBIG Retirement Benefits
Follow these easy steps to apply for your benefits:
- Visit the nearest Pag-IBIG branch.
- Bring your accomplished APB form and all the required documents.
- Submit your application to the assigned officer.
- Wait for your benefit release processing usually takes up to 20 working days.
9) Pag-IBIG Death Benefits Explained
If you are a legal heir or listed beneficiary of a deceased Pag-IBIG Fund member, you may be eligible to claim Pag-IBIG death benefits as long as the member did not receive their savings (Provident Benefits) while alive.
Unlike SSS, which provides both retirement and death benefits separately, Pag-IBIG does not offer funeral or burial assistance. The focus is solely on unclaimed savings under the Provident Fund.
Requirements for Claiming Pag-IBIG Death Benefits
To file a death benefit claim, you’ll need to submit the following documents:
- Original Death Certificate issued by the Philippine Statistics Authority (PSA)
- Accomplished Provident Benefits Claim (APB) Form
- Pag-IBIG Loyalty Card / Loyalty Plus Card, or any valid government-issued ID of the claimant
- SSS Employment History (for verification purposes)
- Proof of Surviving Legal Heirs (e.g., Birth Certificate or Affidavit of Legal Heirship)
- Marriage Certificate (if the claimant is the spouse)
- Certificate of No Marriage (CENOMAR) if applicable
- Birth Certificate of the claimant or deceased member (if applicable)
- Declaration of Guardianship (if the claimant is a legal guardian of minor heirs)
- Any other supporting documents as may be requested by Pag-IBIG
How to Claim Pag-IBIG Death Benefits
- Visit the nearest Pag-IBIG Fund branch.
- Submit your completed APB claim form along with all required documents.
- Once the claim is accepted, the processing period usually takes up to 20 working days.
- After evaluation, you will be informed when and how the claim will be released.
FAQs About Pag-IBIG Benefits
Can I apply for both Pag-IBIG housing and multi-purpose loans at the same time?
Ans: No, Pag-IBIG members are allowed to maintain only one active short-term loan (like MPL or calamity loan) at a time. However, you can apply for a housing loan separately, provided you meet the eligibility and repayment requirements.
How do I increase my Pag-IBIG savings?
Ans: To grow your Pag-IBIG savings, consider voluntarily increasing your monthly contributions. You can do this through your employer or manually via online platforms like Virtual Pag-IBIG or GCash. Higher contributions mean bigger dividends and loan amounts.
Is Pag-IBIG MP2 better than regular savings?
Ans: Yes. While both earn dividends, MP2 typically offers higher, tax-free returns and is ideal for medium- to long-term savers. It’s voluntary, flexible, and available even to former members who wish to continue saving.
Conclusion
Pag-IBIG Fund goes beyond just housing assistance it provides financial solutions for every stage of life. From savings and loans to special support during emergencies, Pag-IBIG benefits empower members with security and flexibility. Whether employed, self-employed, or retired, being a Pag-IBIG member is a smart step toward building a better financial future.