Guide on Pag-IBIG Monthly Contribution 2026 & the Qualification for the Loan Offers
PAG-IBIG MONTHLY CONTRIBUTION 2026 – For members who earn P10,000.00 monthly and more, here is a guide on the rate of premium.
In the Philippines, one of the state entities with a multi-million member populace is the Pag-IBIG Fund. Its members include government employees, workers in the private sector, self-employed individuals, overseas Filipino workers (OFWs), and voluntary members.
Most employers and companies require a Pag-IBIG Fund membership to widen the options of their employees in different situations. However, to qualify for its offers, it is important to maintain an update account by regularly posting monthly premiums. How much is the Pag-IBIG monthly contribution 2026? That you can check below.
With regards to the Pag-IBIG monthly contribution 2026, the rate maintains the 2% cap. The monthly premium is divided between the employee and the employer. The maximum contribution rate is P400 — P200 from the employee and P200 from the employer.
With an updated account by regularly posting Pag-IBIG monthly contribution 2026, there are loans that a member may turn to in different situations. Here is a guide on the loan offers as well as the qualifications under each of the offer:
Pag-IBIG Housing Loan
The most popular offer of the Fund is the Pag-IBIG Housing Loan that can finance the purchase of a real estate property, a house construction, a home renovation, a home loan take-out, or even multiple purposes. It is open for the following:
- 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
Do you want to know more about the Pag-IBIG Housing Loan offer?
Pag-IBIG Multi-Purpose Loan
The state entity also offers the Pag-IBIG Multi-Purpose Loan, a cash loan offer that qualified members may apply for to finance different purposes. To qualify, a member should meet the following eligibility criteria:
- 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
Do you want to know more about the Pag-IBIG Multi-Purpose Loan offer?
Pag-IBIG Calamity Loan
The Pag-IBIG Fund has also designed a loan offer that members can turn to in times of natural disaster, the Pag-IBIG Calamity Loan. It is important to regularly post the exact Pag-IBIG monthly contribution 2026 to keep your account updated as a safety net against the unforeseen calamities.
Pag-IBIG HEAL Loan
Members of the Fund with existing Housing Loan accounts may qualify to the Pag-IBIG Home Equity Loan which was designed to finance the other goals of the members who currently pay for a housing loan at the time of the loan application. You may apply for it to buy a car, expand your business’ working capital, travel, 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.
Do you want to know more about the Pag-IBIG HEAL Loan offer?
Pag-IBIG HELP Loan
The Pag-IBIG Fund also offers Health and Education loan programs known as the Pag-IBIG HELPs. These programs aim to help in the health and education needs of the members who qualify to the following criteria:
- 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
Do you want to know more about the Pag-IBIG HELPs offer?