Pag-IBIG Housing Loan Requirements 2025 for Lot Purchase — A GUIDE

List of Pag-IBIG Housing Loan Requirements 2025 for Application

PAG-IBIG HOUSING LOAN REQUIREMENTS 2025 – For the purpose of lot purchase, here are the documents you must submit to apply for the loan.

The Pag-IBIG Fund is one of the most popular providers of housing loan in the Philippines. Fortunately, with a multi-million member populace of the Fund, a huge part of the Filipino people has access to its offers.

The Fund also has the Pag-IBIG Cash Loan offer but its Housing Loan offer undeniably remains the most popular among its loans. Through it, countless Filipino families were able to acquire a residential property of their own under low monthly installments.

The Pag-IBIG Fund undeniably stands out for the low monthly installments that its Housing Loan offer makes possible. It is because the loan term can be extended to as much as 30 years and it can definitely stretch the payments to avoid them from getting a huge slice from the monthly income.

The loan offer is ready to finance the purchase of a residential lot. There are quite a number of things to remember with regards to the Pag-IBIG Housing Loan requirements. First is the set of qualifications.

Under the Housing Loan offer of the Pag-IBIG Fund, here are the eligibility requirements that a member must meet to qualify for the loan offer:

• active member with least 24 months savings
• not more than 65 years old at the date of loan application
• not more than 70 years old at the date of loan maturity
• Legal capacity to acquire and encumber real property
• No Pag-IBIG housing loan foreclosed, cancelled, bought back, or voluntarily surrendered
• If with existing Pag-IBIG Housing account or Short Term Loan (STL), payments must be updated

The Housing Loan offer of the Pag-IBIG Fund is open for several purposes. Thus, if you wish to apply for it for the financing of a vacant lot purchase, you must have the right documents set as Pag-IBIG Housing Loan requirements for lot purchase.

Here are the Pag-IBIG Housing Loan requirements this 2025 for the purpose of financing a lot purchase:

• two (2) copies of the Pag-IBIG Housing Loan Application Form (HQP-HLF- 068/HQP-HLF- 069) with recent ID photo of borrower/co-borrower (if applicable)
• one (1) valid ID of the applicable parties
  • Principal Borrower
  • Co-borrower
  • Seller
  • Developer’s Authorized Representative and Attorney-in-Fact
  • Spouses of the parties involved, if applicable
• proof of Income
  • If employed, prepare any the following documents:
    • Certificate of Employment and Compensation (CEC)
      • indicating the gross monthly income and monthly allowances or monthly monetary benefits received by employee
      • duly signed by the authorized signatory of the employer
    • Latest Income Tax Return (ITR) for the year immediately preceding the date of loan application
    • one (1) month payslip, within the last three (3) months prior to date of loan application
  • If self-employed, prepare any of the following documents:
    • Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months)
    • ITR, Audited Financial Statements, and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit
    • Copy of Lease Contract and Tax Declaration (if income is derived from rental payments)
    • Bank Statements or passbook for the last 12 months
    • 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
  • If overseas Filipino worker (OFW), prepare any of the following:
    • Employment Contract
      • Employment Contract between employee and employer or POEA Standard Contract
    • Notarized Certificate of Employment and Compensation (CEC)
      • CEC written on the Employer/Company’s official letterhead or CEC signed by employer
• Transfer Certificate of Title (TCT)
• Updated Tax Declaration (House and Lot)
• Updated Real Estate Tax Receipt
• Contract-to-Sell or smiliar agreement between buyer and seller
• Vicinity Map/Sketch Map

Make sure to prepare the original copies of the documents. The Pag-IBIG Fund requires the presentation of the documents despite those that will be asked to be submitted in the form of photocopy.

Aside from the cash loan and the housing loan, there are other There are other Pag-IBIG Fund loans that you might like to check out.