Guide on Pag-IBIG HEAL Requirements 2025 for Application
PAG-IBIG HEAL REQUIREMENTS 2025 – If you are an overseas Filipino worker (OFW) member who wants to apply for the loan, you need to prepare these documents.
Many overseas Filipino workers (OFWs) are not only in the pursuit of working abroad to give their families in the Philippines a comfortable life but also to ensure the future through maintaining memberships to valuable state entities. One of these government agencies is the Pag-IBIG Fund.
The Pag-IBIG Fund is operating in the Philippines for several decades now. Undeniably, it is most popular for its Pag-IBIG Housing Loan offers that has helped many of its members achieve their dream home.
The Housing Loan offer of the Fund is ready to finance the purchase of a real estate property, a house construction, a home renovation, the take-out of an existing home loan, or even combined loan purposes.
Members of the Fund with an existing Pag-IBIG Housing Loan account may also qualify to the Pag-IBIG Home Equity Appreciation Loan or more popularly known as the Pag-IBIG HEAL. Undeniably, not a lot of members know about the offer.
The Pag-IBIG Home Equity Appreciation Loan was crafted by the Fund to help the members who have existing housing loan accounts achieve their other goals. A qualified member may apply for it to buy a car, expand a business, or travel among others.
Truth be told that paying for an existing Housing Loan may make it more challenging to achieve other goals that require huge financial readiness — but it is not the same case for everyone as the Pag-IBIG Fund members have the Pag-IBIG HEAL to turn to.
The Fund is not only open for locally-employed and self-employed members of the Fund but as well as OFW members. There are varying Pag-IBIG HEAL requirements for application. A qualification that applies for all is that the existing Housing Loan should have been paid for at least (5) years already at the time of the loan application.
If you are an OFW member of the Fund who want apply for the loan offer, here are the Pag-IBIG HEAL requirements for application:
- duly-accomplished Pag-IBIG Home Equity Appreciation Loan (HQP-HLF-858)_V01
- duly-accomplished Pag-IBIG Home Equity Appreciation Loan, for co-borrower/s (HQP-HLF-868)_V01
- Proof of Income:
- 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 (for household staff and similarly situated employees) supported by a photocopy of the employer’s ID or passport
- Employment Contract:
- one (1) valid I.D.
- updated Real Estate Tax Receipt/s as of the quarter immediately preceding the date of application
- Health Statement Forms
- Conformity Form for New/Subsequent Housing Availment (HLF409_V03), for co-borrowers who need to express their consent to the new HEAL application
The Pag-IBIG HEAL requirements include a valid ID. Here is a guide on the IDs that you may choose from as a proof of identity in applying for the offer of the Pag-IBIG Fund:
- Philippine Identification (PhilID) Card
- Passportincluding those issued by foreign governments
- Driver’s License
- Professional Regulation Commission (PRC) ID
- National Bureau of Investigation (NBI) Clearance
- Police Clearance
- Postal ID
- Voter’s ID
- Tax Identification Number (TIN) ID
- Barangay Certificationor Barangay IDs or similar documents bearing picture of the Member
- Government Service Insurance System (GSIS) e-Card
- Social Security System (SSS) Card
- Senior Citizen Card
- Overseas Workers Welfare Administration(OWWA) ID
- Overseas Filipino WorkerID
- Seaman’s Book or Seafarer’s Identification and Record Book (SIRB)
- Alien Certification of Registration/Immigrant Certificate of Registration
- Government Office and GOCC ID, e.g. AFP ID, Pag-IBIG Fund Loyalty Card
- ID issued by the National Council on Disability Affairs (NCDA)
- Department of Social Welfare and Development (DSWD) Certification
- Integrated Bar of the Philippines ID
- Company ID issued by Private Entities or Institutions Registered with or supervised or regulated either by the BSP, SEC or IC
- PhilHealth Health Insurance Card ng Bayan.
Aside from the Housing Loan and the HEAL, the state entity also has the Pag-IBIG Calamity Loan offer.