Guide on Pag-IBIG Housing Loan Amount 2025 for Members
PAG-IBIG HOUSING LOAN AMOUNT 2025 – Here’s a guide on the loanable amounts under this most popular offer of the Pag-IBIG Fund.
Countless Filipinos are members of the Pag-IBIG Fund. This state entity that is operating in the country for decades now got its membership widely open — for locally-employed individuals in both the government and private sectors, for self-employed individuals, for overseas Filipino workers (OFWs), for non-working spouses, and voluntary members.
The Pag-IBIG Fund has several offers for its members. To maintain a qualification to these offers, it is important to regularly post your Pag-IBIG monthly contribution to maintain an active account.
The Fund has several loan offers. Among its loans for the members, the most popular is the Pag-IBIG Housing Loan which is open for several purposes. It can finance the acquisition of a vacant lot and a residential unit, the construction of a residential property, home renovation, and home loan take-out. A member may also opt for combined loan purposes.
There are only a few qualifications under the Housing Loan offer of the Pag-IBIG Fund. Here is the eligibility criteria that a member should meet to qualify for the 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
The Pag-IBIG Fund accepts the financing of properties with clean Certificate of Title (TCT), Original Certificate of Title (OCT), and Condominium Certificate of Title (CCT). The following grounds are not accepted under the offer:
- Less than 28 sq. m. lot area
- Less than 18 sq. m. condominium floor area
- Properties with road right of way less than 1.5 meters
- Land types classified other than residential use
- Residential buildings must be compliant to the National Building Code, PD958 or BP220 as the case may be
With regards to the Pag-IBIG Housing Loan amount for borrowing, according to the Fund, a member may borrow up to P6 million. The loan is payable for up to 30 years.
In paying for the Pag-IBIG Housing Loan amount due every month, there are several options for the members. It can be done through any of the following:
- Salary deduction through Employer Collection Servicing Agreement (CSA)
- Post-dated checks
- Auto debit arrangement with banks
- Accredited collection partners
- Asia United Bank (AUB)
- Landbank of the Philippines
- Globe GCash
- CashPinas
- SM Bills Pay
- Bayad Center
- UCPB
- Maya
- Metrobank
- ECPay
- Metrobank
- ECPay
- M Lhuillier
- Accredited Collection Partners
- iRemit
- Asia United Bank (AUB)
- Ventaja PayRemit
- CashPinas
- Philippine National Bank (PNB)
Paying for your Pag-IBIG Housing Loan amount due on time keeps you away from the late payment penalties set by the Fund. The late payment fee is at 1% of your loan on a daily basis. In applying for the loan offer, there are documents that you need to submit: