Guide on Pag-IBIG Housing Loan 2026 Application Process
PAG-IBIG HOUSING LOAN 2026 – You can check here the features under the Fund’s loan offer and a guide on how to apply for it.
Are you one of the members of the Pag-IBIG Fund? You might like to start the journey towards your dream house very soon. It is best to know the excellent loan offer of the Fund that can help you with it.
There are several loans that members of the Pag-IBIG Fund may apply for. Aside from the Pag-IBIG Calamity Loan offer, members of the Fund may also apply for the Pag-IBIG Housing Loan offer that has helped countless members of the state-run entity achieve their dream house. You can check on its excellent features below.
The Pag-IBIG Housing Loan offer is open for several purposes. It can finance any of the following purposes:
- purchase of residential lot or adjoining residential lots with a maximum of 1,000 sq.m. plus cost of transfer
- purchase of residential house & lot, townhouse or condominium unit plus cost of transfer
- house construction
- home renovation
- refinancing of an existing housing loan
- combined loan purposes
With regards to how much you may borrow under the offer, the loanable amount under the Pag-IBIG Housing Loan offer may vary. The actual need of the member-borrower as well as his/her capacity to pay for the loan are two (2) of the factors considered by the Fund. The state entity also checks on the value of the property involved in the loan.
Under the loan offer, the loan repayment can be stretched to up to 30 years. Thus, you can really have low monthly amortizations. With regards to the Pag-IBIG Housing Loan interest rates, they may vary as well.
How to apply for the Pag-IBIG Housing Loan offer? Here are the steps that a member may take to ensure a smooth application process:
Step 1 — Check the Qualifications.
The Pag-IBIG Fund has set eligibility requirements under the Pag-IBIG Housing Loan offer. To qualify for the loan, a member-borrower must meet the following qualifications for application:
- 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
Step 2 — Prepare the Requirements.
There are documents that a member-borrower should prepare and submit to the Fund to apply for the loan offer. The requirements depend on the loan purpose and here’s a guide:
Step 3 — Go to Pag-IBIG Fund.
Head to a branch of the Pag-IBIG Fund nearest to you and submit your documentary requirements. Wait for a notice or update from the Fund regarding the status of your loan application. The result may take from three (3) weeks up to a month.