Guide on Pag-IBIG Savings Upon Maturity Based on Contributions & Rate
PAG-IBIG SAVINGS UPON MATURITY– Here is a guide on how much you may get upon the maturity based on your years of contribution to the Fund.
Are you one of the millions of members of the Pag-IBIG Fund across the nation? It is one of the longest-servinge state entity in the country and it has helped countless Filipinos obtain their own residential properties.
The Fund is undeniably most popular for the Pag-IBIG Housing Loan offer that can finance residential property acquisition. It is also ready to finance a house construction, home renovation, and home loan take-out.
Furthermore, the Fund is ready to finance both the acquisition of a vacant lot and a house construction on the said property. This is just one of the advantages of maintaing an active account to the Fund.
To maintain an active account to the Fund, it is important to be updated in terms of posting your monthly contributions. A member can withdraw his/her savings upon the Pag-IBIG Savings Upon Maturity.
The total amount that a member can get as Pag-IBIG Savings Upon Maturity depends on the amount of contribution made and the longevity. Here is a table of comparison between how much you may get under the old rate and the new rate:
| Years of Pag-IBIG Fund Savings | New Rate: P200 from Member P200 from Employer | Old Rate: P100 from Member P100 from Employer |
| 2 YEARS | Php 10,157.87 | Php 5,078.93 |
| 5 YEARS | Php 27,587.33 | Php 13,793.67 |
| 10 YEARS | Php 63,642.87 | Php 31,821.44 |
| 15 YEARS | Php 110,766.02 | Php 55,383.01 |
| 20 YEARS | Php 172,354.10 | Php 86,177.05 |
Who are qualified to apply for a Pag-IBIG Fund membership? The membership to the state entity is open for both mandatory and voluntary memberships.
Mandatory Membership
- Employees in the private sector (permanent, temporary, or provisional status) up to 60 years old
- Government employees with GSIS coverage, regardless of appointment status
- Self-employed individuals up to 60 years old earning at least ₱1,000 a month
- Kasambahays (e.g., household helpers, cooks, drivers, gardeners, etc.) with a monthly salary of at least ₱1,000
- Land-based and sea-based OFWs
- Filipinos employed by foreign-based employers, whether deployed locally or abroad
- Uniformed personnel (Philippine National Police, Armed Forces of the Philippines, Bureau of Fire Protection, etc.)
- Expats up to 60 years old who are compulsorily covered by the SSS
Voluntary Membership
- Non-working spouse of registered Pag-IBIG members
- Filipino employees of a foreign government or international organization
- Employees of employers with a waiver or suspension of coverage by the Pag-IBIG Fund
- Religious group leaders and members
- Pensioners, investors, and other individuals with passive income or allowances
- Public officials and employees without GSIS coverage (e.g., barangay officials, Sangguniang Kabataan members, etc.)
To pay for your Pag-IBIG monthly contribution, it can be done over-the-counter at any branch of the Pag-IBIG Fund or any of the following collecting partners of the Fund:
- SM Business Service Centers
- SM Hypermarket
- Savemore
- Bayad Center and its authorized partners
- LANDBANK
- Metrobank
- ECPay (thru 7-Eleven stores and merchant partners)
- M Lhuillier
- CashPinas Moneygment App (Credit to Account, DragonPay, ECPay, PayPal and 7-Eleven stores)
- GCash (mobile payment)
You can check the Pag-IBIG Regular Savings dividend rates to check how much your contributions may have grown.