Pag-IBIG Housing Loan Requirements 2026 for Lot Purchase — What Members Should Submit

Guide on Pag-IBIG Housing Loan Requirements 2026 for Application

PAG-IBIG HOUSING LOAN REQUIREMENTS 2026 – If you want to apply for the financing of a lot purchase, here are the documents you need.

Are you excited to take the first step towards your dream house? You don’t actually have to wait for several years so you can begin. Your membership to some state-run entities may help you in journeying towards your dream.

The Pag-IBIG Fund has several loans that members may apply for. One of its loan offers and still the most popular loan is the Pag-IBIG Housing Loan. It is undeniably prominent as well as the housing loan offer with very affordable monthly installments. You can stretch your loan term to up to 30 years depending on your age upon the loan application. Are you ready to buy your target lot?

Truth be told that many people consider renting because of its lower cost. However, what is undeniable in the current realities is that paying for a Pag-IBIG Housing Loan may seem more pocket-friendly now compared to paying for a rent.

Are you ready to live under a roof you can call your own soon? Before checking out the Pag-IBIG Housing Loan requirements for application, it would be better to check the qualifications for application first.

Here are the eligibility requirements in applying for the Pag-IBIG Housing 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

With regards to the Pag-IBIG Housing Loan requirements, there is a unique set of documents required in applying for the financing of a vacant lot acquisition. Here are the documents that you should prepare and submit to 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 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

To ensure a smooth application process and save money, energy, and time, it is important to get all the Pag-IBIG Housing Loan requirements ready before heading to a branch of the Fund. The loan provider will only process the loan application once the documents required are complete.

Aside from the Housing Loan offer, the state-run entity also has the Multi-Purpose Loan (MPL) offer or also called the Pag-IBIG Cash Loan.