Guide on Pag-IBIG Monthly Contribution 2026 & the Qualification for the Loan Offers
PAG-IBIG MONTHLY CONTRIBUTION 2026 – For members who earn less than P10,000.00 monthly, here is a guide on the rate of premium.
In the Philippines, a huge part of the Filipino populace is composed of individuals who are members of the Pag-IBIG Fund. While the Government Service Insurance System (GSIS) is solely for government employees and the rest is catered by the Social Security System (SSS), the Fund’s membership is open for both government and private sector employees as well as self-employed individuals and overseas Filipino workers.
Most workplaces in the country mandates a Pag-IBIG Fund membership to widen the resources of their employees most especially in times of need. The Fund has several loan offers that members may turn to for different situations. However, it is important to know that an updated account is important to qualify for its offers and you might like to check on the Pag-IBIG Monthly Contribution 2026 ahead to ensure it.
According to the Fund, with regards to the Pag-IBIG Monthly Contribution 2026, it depends if the member’s monthly salary is below or Php 10,000 and above. With regards to the contribution rate, it will remain at 2% next year and you can check a detailed example below.
In the case of Pag-IBIG members who earn below P10,000 every month, 2% of the contribution will be shouldered by the member-employee while the other 2% will be paid by the employer. For example, if you are earning P8,000 monthly, here is a guide on your Pag-IBIG Monthly Contribution 2026:
- Employee’s Contribution: 2% of Php 8,000 = Php 160
- Employer’s Contribution: 2% of Php 8,000 = Php 160
- Total Contribution = Php 320
Members with updated Pag-IBIG Fund accounts may qualify to the loans offered by the state-run entity. Here is a guide on the offers, their purposes for application, and their qualifications for application:
Pag-IBIG Housing Loan
The Pag-IBIG Housing Loan is the most popular among the loan offers of the Fund. It is ready to finance the purchase of a real estate property, a house construction, a home renovation, and the take-out of an existing home loan provided that a member meets the following criteria for application:
- active member with least 24 months savings
- not more than 65 years old at the date of loan application
- not more than 70 years old at the date of loan maturity
- Legal capacity to acquire and encumber real property
- No Pag-IBIG housing loan foreclosed, cancelled, bought back, or voluntarily surrendered
- If with existing Pag-IBIG Housing account or Short Term Loan (STL), payments must be updated
To know more about this offer, you may visit the Pag-IBIG Housing Loan feature.
Pag-IBIG Multi-Purpose Loan
The Fund also has a cash loan offer, the Pag-IBIG Multi-Purpose Loan, that members may apply for to fund various purposes. Here are the qualifications under the offer:
- 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
- at least twenty-four (24) monthly membership savings under the Pag-IBIG Regular Savings program
- has no Pag-IBIG Housing Loan, MPL and/or Calamity Loan in default
- reliable source of income
To know more about this offer, you may visit the Pag-IBIG Multi-Purpose Loan feature.
Pag-IBIG Calamity Loan
In times of natural disaster, the members of the Fund who are living in areas declared under a State of Calamity may apply for the Pag-IBIG Calamity Loan. It was designed to help the members affected by calamities in recovering from the impacts of the natural disaster.
Pag-IBIG HEAL Loan
The Fund also has the Pag-IBIG Home Equity Loan. It was designed to help the members with existing Housing Loan accounts achieve their other goals like the purchase of a car. It is open for members who meet the following qualifications:
- 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.
To know more about this offer, you may visit the Pag-IBIG HEAL Loan feature.
Pag-IBIG HELP Loan
The Pag-IBIG Fund loan offers also includes the Health and Education loan programs. Under it, qualified members may obtain an option for the financing of their health and education needs. Here are the qualifications under the offer:
- an active Pag-IBIG member with at least one (1) monthly contribution posted within the last six (6) months
- with at least 24 monthly membership savings under the Pag-IBIG Regular Savings
- avail the loan from Pag-IBIG HELPs partner schools and/or hospitals
To know more about this offer, you may visit the Pag-IBIG HELPs 2025.