Guide on the Pag-IBIG Monthly Contribution 2025 for Self-Employed Members
PAG-IBIG MONTHLY CONTRIBUTION 2025 – For the self-employed members of the Fund, here is the rate set as monthly premium.
In the Philippines, one of the biggest state entities is the Pag-IBIG Fund which has been helping millions of Filipinos for decades now. Its loan offers are only open for its members but it is very easy to apply for a Pag-IBIG membership.
The Pag-IBIG membership is open not only for the employed individuals but as well as the self-employed individuals, the overseas Filipino workers, and the household helpers or kasambahays. Both the local employees of the private sector and the government may apply for a membership to the Fund.
A membership to the Fund may qualify you to several loan offers that can be the excellent financial solutions in several circumstances. To be eligible to these loans, it is important to maintain an active account by posting the right monthly contributions regularly. Have you checked the Pag-IBIG Monthly Contribution 2025?
For the self-employed members of the Fund, here is the a guide on the Pag-IBIG Monthly Contribution 2025:
| Type of Membership | Employee’s Share |
| Self-Employed Members such as business owners and professionals like lawyers, doctors, architects, etc. | Php 400.00 |
| Self-Employed Members that belong to other earning groups like the transport sector workers, market vendors, service providers, etc. | 1% of the earnings if the income is between Php 1,000 to Php 1,500 monthly 2% of the earnings if the monthly income is above Php 1,500 |
With regards to the loan offers, the Pag-IBIG Fund offers a Housing Loan, a Multi-Purpose Loan, and a Calamity Loan. Here are their main features and eligibility requirements:
Pag-IBIG Housing Loan
You can obtain a financing solution in buying a house or construction one through the Pag-IBIG Housing Loan offer. The loanable amounts under the Pag-IBIG Housing Loan may vary depending on certain factors like the income of the member-borrower, the value of the residential property, and the amount needed by the borrower.
Here are the qualifications in applying for the Housing Loan offer:
- active Pag-IBIG Fund member with least 24 months savings
- not more than 65 years old at the date of loan application and is not more than 70 years old at the date of loan maturity
- no Pag-IBIG housing loan foreclosed, cancelled, bought back, or voluntarily surrendered
- legal capacity to acquire and encumber real property
- If with existing Pag-IBIG Housing account or Short Term Loan (STL), payments must be updated
Pag-IBIG Multi-Purpose Loan
If you need a short-term cash loan, you may turn to the Pag-IBIG Multi-Purpose Loan offer. The loanable amounts under the Pag-IBIG cash loan is dependent on the total contributions that you have posted. Here are the qualifications for application:
- has posted at least twenty-four (24) monthly membership savings under the Pag-IBIG Regular Savings program
- with active membership, by having at least one (1) monthly membership savings within the last six (6) months prior to the date of loan application
- if with an existing Pag-IBIG Housing Loan, MPL and/or Calamity Loan, the account/s must not be in default
- has a source of income
Pag-IBIG Calamity Loan
In times of calamities like typhoons and earthquakes, the Pag-IBIG Fund has also crafted a loan offer that the member-borrowers may turn to in case the natural calamity left their area under a state of calamity. You may check on the Pag-IBIG Calamity Loan loanable amount and the qualifications:
- a minimum of twenty-four (24) monthly membership savings under the Pag-IBIG Regular Savings
- in active membership, by having at least one (1) monthly membership savings within the last six (6) months prior to the date of loan application
- has proof of income
- If with an existing Pag-IBIG Housing Loan, Multi-Purpose Loan and/or Calamity Loan, the account/s must not be in default