Pag-IBIG Housing Loan Requirements 2026 for Refinancing — A GUIDE

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List of Pag-IBIG Housing Loan Requirements 2026 for Application Process

PAG-IBIG HOUSING LOAN REQUIREMENTS 2026 – You can check here the documents required by the Fund in applying for the loan offer.

Many Filipinos are members of the Pag-IBIG Fund. Thus, millions of people not only in the Philippines but as well as from across the globe who are members of the Fund have an access to excellent loan options.

Pag-IBIG Fund

Aside from the Pag-IBIG HEAL offer, the Fund also has the Pag-IBIG Housing Loan that is open to finance several purposes including the refinancing of an existing loan. Under the loan, you may repay the loan for up to 30 years.

Pag-IBIG Housing Loan Requirements

To qualify for the loan offer, the Pag-IBIG Fund has set some eligibility requirements. Here are the criteria that must be meet to qualify for the Pag-IBIG Housing Loan 2023 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

There are documents needed in applying for the loan offer for the purpose of refinancing. Here are the Pag-IBIG Housing Loan 2023 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
    • 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
  • Updated Real Estate Tax Receipt (photocopy)
  • Latest Statement of Account on Outstanding Loan Balance duly signed by the Manager or the account officer, together with any of the following:
    • Official receipt (or any valid proof of payment) for the past 6 months
    • Subsidiary Ledger
  • Vicinity Map/Sketch of the Property

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