Guide on Pag-IBIG Cash Loan Amount Allowed for Member Borrowing
PAG-IBIG CASH LOAN AMOUNT 2026 – Here is a guide for members on how much you may borrow under the Multi-Purpose Loan offer.
In the Philippines, millions of Filipinos are members of the Pag-IBIG Fund. Along with the Government Service Insurance System (GSIS) and the Social Security System (SSS), it is one of the state-run institutions with a multi-million member populace.
In fact, most GSIS and SSS members are also members of the Pag-IBIG Fund. Employees of the government and the private sectors are mandated to maintain a membership to the Fund. It has also opened its doors to overseas Filipino workers (OFWs) and voluntary members.
Members of the Pag-IBIG Fund need to regularly post monthly contributions to keep their accounts updated. It is one of the best ways to ensure one’s eligibility to the offers of the state entity. Are you one of the members of the Fund?
There are several loans that Pag-IBIG Fund members may apply for. They were designed to meet different purposes. If you are in need of cash for multiple purposes, you may turn to the Pag-IBIG Multi-Purpose Loan or also called as the cash loan offer or MPL.
The said cash loan offer may finance any of the following purposes:
- Medical expenses;
- Minor home improvement;
- Capital for a small business;
- Tuition fee and other education-related expenses;
- Purchase of furniture, appliances or electronic gadgets;
- Payment of utility and credit card bills;
- Vacation and travel;
- Special events;
- Car repair; or
- Other needs
The Pag-IBIG Multi-Purpose Loan offer is up for the members of the state-run entity who have active accounts. To keep your account updated, you should have posted at least one (1) monthly membership savings within the last six (6) months prior to the date of loan application and with at least twenty-four (24) monthly membership savings under the Pag-IBIG Regular Savings program. You might like to check for the premiums in 2026:
Furthermore, the member-borrower must not have a Pag-IBIG Housing Loan, MPL, and/or Calamity Loan in default. He/She must also have a realiable source of income.
With regards to the Pag-IBIG cash loan amount allowed for member borrowing, according to the Fund, a member may get an equivalent of up to 80% of their total Pag-IBIG Regular Savings, which consist of their monthly contributions, their employer’s contributions, and accumulated dividends earned.
If you have a total contribution of P20,000, the Pag-IBIG cash loan amount that you may borrow may be up to Php 16,000 — the 80% of your total posted contributions.
Are you interested to apply for the loan offer? The requirements of the Fund varies: