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 house construction, here are the documents you need.
Many Filipinos have their so-called “dream home”. The plan for it is usually the purchasing of a lot and constructing the home based on the desired design. However, not everyone is ready for the financial challenge of building a house — but the Pag-IBIG Fund members have something to turn to.
The Fund has several loan offers. Aside from the Pag-IBIG Multi-Purpose Loan (MPL) or also called the Pag-IBIG cash loan, the state-run entity also has the Housing Loan offer. Undeniably, it is its most popular offer which has helped countless people obtain a house.
The Pag-IBIG Housing Loan offer is not only open to finance the purchase of a vacant lot or a house and lot. It can also fund a house construction. Are you ready to build your dream home?
The loan offer is open for both salaried and non-salaried members of the Fund. However, the Pag-IBIG Housing Loan requirements vary and it is important to check the qualifications first. In the case of financing a house construction, here are the eligibility criteria that a member should meet to qualify for the 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 financing of a house construction, here are the Pag-IBIG Housing Loan requirements 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
- 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
It is important to ensure that you have all the Pag-IBIG Housing Loan requirements already when you will decide to visit a branch of the Pag-IBIG Fund to begin the process right away. Aside from the Housing Loan offer, there are several other Pag-IBIG loans that are up for the members of the Fund.