List of Pag-IBIG Housing Loan Requirements 2025 for Application
PAG-IBIG HOUSING LOAN REQUIREMENTS 2025 – For the purpose of house construction, here are the documents you must submit to apply for the loan.
Nowadays, there are housing loan offers that are ready not just to finance the acquisition of a residential property but a house construction. One of the said offers is the Pag-IBIG Housing Loan which is one of the most popular housing loans in the country.
While the Fund also offers a Pag-IBIG cash loan now, the Multi-Purpose Loan (MPL), its Housing Loan offer is still the most prominent loan offer of the Fund. It is open for several purposes including house construction.
Truth be told that the costs of materials in building a house has greatly increased through the years. Thus, when you are on a tight budget, it is better to look for financial remedies ahead of time to avoid compromising your house construction.
Thus, members of the Pag-IBIG Fund who want to secure their finances in building a house turn to the Pag-IBIG Housing Loan offer. Before checking on the Pag-IBIG Housing Loan requirements for application, here are the eligibility requirements under the 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 Fund has set different lists of Pag-IBIG Housing Loan requirements depending on the loan purpose. In the case of applying for a loan to finance a house construction, here are the documents required by the Fund:
- 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
- Certificate of Employment and Compensation (CEC)
- 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
- Employment Contract
- If employed, prepare any the following documents:
- 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
Make sure to prepare and bring with you the original copies of the Pag-IBIG Housing Loan requirements when you submit them to a Pag-IBIG Fund branch. While the Fund may request for a photocopy of some documents, they would check the original copies for verification. The Pag-IBIG Fund has several other loans for members.