Pag-IBIG Housing Loan Requirements 2025 for Home Renovation — A GUIDE

List of Pag-IBIG Housing Loan Requirements 2025 for Application

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

Are you one of the members of the Pag-IBIG Fund? You might be planning to make some home renovations but you are worried about the finances. Actually, you do not have to be burdened by it. The financing of a home renovation is part of the Fund’s most popular offer.

With the popularity of the Pag-IBIG Housing Loan not only among the Filipinos residing in the country but as well as the overseas Filipino workers (OFWs), you are surely aware of the said offer of the Fund. The good thing is that millions of people have access to it as millions of Filipinos are members of the Fund.

The membership of the Fund is not solely open for the locally-employed individuals but as well as the self-employed ones. In fact, even OFWs may apply for membership to the Fund as well as the voluntary members.

The Pag-IBIG Housing Loan offer of the Fund has helped countless Filipinos get a house of their own. However, the benefits under the offer does not stop in getting your own proof. You may actually turn to the loan offer for the financing of home renovations if you are planning to make some repairs or improvements.

To apply for the loan offer, you just have to prepare the complete set of the Pag-IBIG Housing Loan requirements to boost your chances of a loan approval. But, first, before checking on the documents you will need, it is important to take a look of the eligibility criteria set by the Fund which are as follows:

• 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 Fund has set varying requirements in applying for its Housing Loan offer depending on the purpose of the loan application. In the case of financing a home renovation, here are the Pag-IBIG Housing Loan requirements that a member-borrower should prepare and submit:

• 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
  • 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
• Updated Tax Declaration (House and Lot)
• Updated Real Estate Tax Receipt (photocopy)
• Building Plans, Specification with Bill of Metrials duly signed by the Licensed Civil Engineer or Architect
• Vicinity Map/Sketch of the Property

The Pag-IBIG Fund checks the original copies of its required documents for loan application. Thus, it is important to bring all the original copies of the requirements mentioned above. You might also like to check on the other loans that the Pag-IBIG Fund offers.