Guide on the Pag-IBIG Monthly Contribution 2025 for Employed Members
PAG-IBIG MONTHLY CONTRIBUTION 2025 – For the employed members in the private sector, here is the rate set as monthly premium.
Most of the Filipinos who are working are members of the Pag-IBIG Fund. The membership to the state-run institution which is operating in the country for decades already is mandated in government offices and institutions as well as in most private companies across the nation.
In fact, the Pag-IBIG Fund membership is also open for Filipinos who are working abroad. A membership to the state entity can widen the options of the member most especially in times of financial needs. However, it is important to maintain an updated account, too, by regularly posting a contribution to be eligible to the state-entity’s offers.
From time to time there are changes in the monthly contributions set by the Pag-IBIG Fund among its members. Are you excited to check on the Pag-IBIG monthly contribution 2025?
It is important to check on the monthly premium from time to time to make sure that you are posting the right monthly premium. For the employed members in the private sector, here is the Pag-IBIG Monthly Contribution 2025:
| Type of Membership | Employee’s Share | Employer’s Share |
| Employed Member in Private Sector | Php 200 | Php 200 |
The Pag-IBIG Monthly Contribution 2025 for the employed members in the private sector is due on the 10th day of the month after the period covered. For example, for the month of March, the monthly contribution must be remitted by April 10.
Maintaining an updated account can qualify a member to the different loan offers of the state entity. Here are the main loan offers of the Pag-IBIG Fund:
Pag-IBIG Housing Loan
The Housing Loan is undeniably the most popular among the Pag-IBIG Housing Loan offers. It can finance several purposes related to residential property acquisition. The loanable amounts under the Pag-IBIG Housing Loan varies. Here are the 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
Pag-IBIG Multi-Purpose Loan
The Fund also has a cash loan offer which is the Pag-IBIG Multi-Purpose Loan or also called the Pag-IBIG MPL. The loanable amounts under the Pag-IBIG cash loan offer also varies based on the total contribution posted by the member-borrower. To be eligible to apply for the loan offer, the member-borrower must meet the following qualifications:
- has posted at least twenty-four (24) monthly membership savings under the Pag-IBIG Regular Savings program
- with active membership, by having at least one (1) monthly membership savings within the last six (6) months prior to the date of loan application
- if with an existing Pag-IBIG Housing Loan, MPL and/or Calamity Loan, the account/s must not be in default
- has a source of income
Pag-IBIG Calamity Loan
The Pag-IBIG Fund also has a Calamity Loan offer intended as an option that members can turn when natural disasters hit their place. The Pag-IBIG Calamity Loan loanable amount also depends on the contributions posted by the member-borrower. Here are the qualifications for application:
- a minimum of twenty-four (24) monthly membership savings under the Pag-IBIG Regular Savings
- 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
- has proof of income
- If with an existing Pag-IBIG Housing Loan, Multi-Purpose Loan and/or Calamity Loan, the account/s must not be in default