Guide on Pag-IBIG Loans 2025 for Qualified Members
PAG-IBIG LOANS 2025 – Here are the loan offers that members of the Fund may apply for and the purposes and features under each.
One of the loan-providing state entities in the Philippines is the Pag-IBIG Fund. It is in the service of millions of Filipino people for decades now since 1530. Its membership is open not only for the salaried individuals but as well as non-salaried ones.
The Pag-IBIG Fund has several loan offers. Truth be told that among the state entities in the country that provides loans, the Fund is one of those that implement the lowest monthly contribution, thus, a membership to it is easier to maintain.
If you are an active member of the Pag-IBIG Fund, you have something to turn to in times of financial needs for a real estate property acquisition, calamity, education, or any other purpose. You can check the list of the Pag-IBIG loans 2025 below.
Here are the different Pag-IBIG loans 2025 that you may apply for as well as the eligibility requirements in applying for each offer:
Pag-IBIG Housing Loan
The Pag-IBIG Fund is undeniably most popular for a record of helping countless Filipino families acquire a house of their own. Through its Housing Loan offer, it provides members an access to the financing of a real estate property purchase, house construction, home renovation, the take-out of an existing housing loan, or combined purposes. It is open for members who meet the following qualifications:
- 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
There are a whole lot of interesting features under the Pag-IBIG Housing Loan offer that you may check on.
Pag-IBIG Multi-Purpose Loan
Are you in need of cash for multiple purposes? One of the Pag-IBIG loans 2025 is the Pag-IBIG Multi-Purpose Loan or also called the MPL. It is also called the Pag-IBIG cash loan offer and it’s open for members who meet the following qualifications:
- 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
There is also a unique set of details for the Pag-IBIG cash loan offer for qualified members that you may check on.
Pag-IBIG HEAL
You might have yet to heard about the Pag-IBIG Home Equity Loan or more popularly called the Pag-IBIG HEAL. It is one of the Pag-IBIG loans 2025 that many members of the Fund are undeniably unaware that it exists. It is designed to help members who have existing Pag-IBIG Housing Loan accounts achieve their other goals in life like buying a car, traveling, enrolling for another course, etc.
- an active member, or with at least one (1) monthly membership savings within the last six (6) months
- not more than sixty-five (65) years old at the date of application and not more than seventy (70) years old at loan maturity
- having the legal capacity to acquire and encumber real property, whenever applicable
- having an existing Pag-IBIG Housing Loan that has been approved or taken out for at least five (5) years as of date of application
- The existing housing loan/installment account/s must have been paid regularly and on time, within the last twelve (12) months immediately prior to the date of application. This applies whether the borrower is a principal borrower/buyer or co-borrower of the loan.
- have passed the satisfactory background/credit and employment/business check of the Pag-IBIG Fund
- have no outstanding Pag-IBIG Short-Term Loan (STL) in arrears at the time of application. If STL is in arrears, it must be updated first.
The Pag-IBIG HEAL is a loan offer with its own unique set of features that you may check on.
Pag-IBIG Calamity Loan
The Fund made sure that its members have something to turn to in times of natural disasters by crafting the Pag-IBIG Fund Calamity Loan. It aims to helps its qualified members in recovering from the impacts of a natural calamity. Here are the eligibility requirements for application:
- 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
You might like to check on the features of the Pag-IBIG Fund Calamity Loan. It has its own set of requirements for application.
Pag-IBIG HELPs
Also one of the Pag-IBIG loans 2025 is the Pag-IBIG Health and Education loan programs or also called the Pag-IBIG HELPs. It was crafted to help provide for qualified members of the Fund in their health and education needs. It is open for members who meet the following eligibility criteria:
- member must have posted at least 12 monthly contribution under an active account, one of the premiums must have been posted within six (6) months prior to the loan application
Do you want to know more about the Pag-IBIG HELPs 2025?