Guide on Pag-IBIG HEAL Requirements 2025 for Application
PAG-IBIG HEAL REQUIREMENTS 2025 – If you are a self-employed member who wants to apply for the loan, you need to prepare these documents.
One of the state entities with a multi-million member populace is the Pag-IBIG Fund. Are you one of the members of the government institution? You may have an existing Housing Loan account and it is best to know this another excellent loan offer of the state entity.
Undeniably, the Fund is most popular for its Pag-IBIG Housing Loan. The said offer has helped a huge part of its member populace obtain residential properties. Its offer is ready to finance the purchase of a real estate property, a house construction, a home renovation, a home loan take-out, or combined purposes.
However, truth be told that when you start paying for a housing loan, it could be more challenging to reach your other goals in life — like acquiring a car, getting on that dream international trip, expanding your business, etc. Meanwhile, for members of the Fund with existing Pag-IBIG Housing Loan accounts in good standing, you may turn to the Pag-IBIG Home Equity Appreciation Loan or HEAL for your other targets.
The Pag-IBIG Home Equity Appreciation Loan or HEAL is designed to help members of the Fund with existing Housing Loan accounts have an access to funds for their other targets. It is open for members who have paid at least five (5) years of their monthly amortizations for an existing Housing Loan account.
The offer is open for both salaried and non-salaried members of the Fund but the Pag-IBIG HEAL Requirements may vary. It is important to get the documents complete to ensure a smooth flow of the application process.
For self-employed members of the Fund, here are the Pag-IBIG HEAL requirements for application:
- duly-accomplished Pag-IBIG Home Equity Appreciation Loan (HQP-HLF-858)_V01
- duly-accomplished Pag-IBIG Home Equity Appreciation Loan, for co-borrower/s (HQP-HLF-868)_V01
- Proof of Income:
- ITR, Audited Financial Statements, and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit
- Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months)
- Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances, pensions, etc.)
- Copy of Lease Contract and Tax Declaration (if income is derived from rental payments)
- Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for other PUVs)
- Certificate of Engagement issued by owner of business
- Other document that would validate source of income
- one (1) valid I.D.
- updated Real Estate Tax Receipt/s as of the quarter immediately preceding the date of application
- Health Statement Forms
- Conformity Form for New/Subsequent Housing Availment (HLF409_V03), for co-borrowers who need to express their consent to the new HEAL application
In applying for the loan offer, part of the Pag-IBIG HEAL Requirements for application is a valid ID which will serve as a proof of identity. You may choose from the following with regards to the ID that you may present to the Fund in applying for the offer:
- Philippine Identification (PhilID) Card
- Passportincluding those issued by foreign governments
- Driver’s License
- Professional Regulation Commission (PRC) ID
- National Bureau of Investigation (NBI) Clearance
- Police Clearance
- Postal ID
- Voter’s ID
- Tax Identification Number (TIN) ID
- Barangay Certificationor Barangay IDs or similar documents bearing picture of the Member
- Government Service Insurance System (GSIS) e-Card
- Social Security System (SSS) Card
- Senior Citizen Card
- Overseas Workers Welfare Administration(OWWA) ID
- Overseas Filipino WorkerID
- Seaman’s Book or Seafarer’s Identification and Record Book (SIRB)
- Alien Certification of Registration/Immigrant Certificate of Registration
- Government Office and GOCC ID, e.g. AFP ID, Pag-IBIG Fund Loyalty Card
- ID issued by the National Council on Disability Affairs (NCDA)
- Department of Social Welfare and Development (DSWD) Certification
- Integrated Bar of the Philippines ID
- Company ID issued by Private Entities or Institutions Registered with or supervised or regulated either by the BSP, SEC or IC
- PhilHealth Health Insurance Card ng Bayan
The Pag-IBIG Fund has other loans that members may apply for in different situations or to fund different purposes.