Pag-IBIG Housing Loan Requirements 2025 for Purchase of Lot with House Construction — A GUIDE

List of Pag-IBIG Housing Loan Requirements 2025 for Application

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

Nowadays, it is a lot easier for most Filipinos to acquire a residential property without shelving out a huge amount or emptying their bank accounts for it. It is because of the presence of the Pag-IBIG Fund and its offers.

Millions of Filipinos are members of the Pag-IBIG Fund. Its membership is open not only for either government employees or private sector employees but both. Self-employed individuals, overseas Filipino workers (OFWs), and voluntary members may also apply for a membership to the Fund.

Members of the Fund has an access to several loan offers that attend to different situations. Aside from the Pag-IBIG cash loan, the Fund also has a Housing Loan offer. Undeniably, it is its most popular loan among its offers.

What sets an edge for the Pag-IBIG Housing Loan is that it caters combined loan purposes. Do you want to purchase a lot and build your own house under a loan offer? This is the answer for you.

The Pag-IBIG Housing Loan is known for its light monthly amortizations. The loan term can be extended to up to 30 years and the loanable amount can be as much as P6 million.

Before checking on the Pag-IBIG Housing Loan requirements, it is best to first check on the qualifications set by the Fund under the offer. To be eligible to apply for the loan offer, here are the qualifying criteria that the member-borrower must meet:

• 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

In applying for the loan offer, there is a specific list of Pag-IBIG Housing Loan requirements that a member-borrower must prepare and submit to the Fund. Here is a guide on the documents that you need to prepare for application:

• 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
• Transfer Certificate of Title
• Updated Tax Declaration of 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 has several loans that its members may apply for. To note, the state entity has a very low monthly premium but has big offers.