Features of Pag-IBIG Housing Loan Amount 2026 for Qualified Members
PAG-IBIG HOUSING LOAN AMOUNT 2026 – You can check here a guide on the loanable amounts under the Fund’s offer.
In the Philippines, millions of Filipinos are members of the Pag-IBIG Fund, a loan-providing institution under the state. Its member populace is composed of people who are coming from different walks of life — locally-employed individuals, self-employed individuals, overseas Filipino workers (OFWs), and even Filipinos who want a voluntary membership to the Fund.
The Fund has several loan offers for its members. Thus, it is really an advantage to maintain an active and updated account with the loan-providing entity. Aside from the Pag-IBIG Calamity Loan offer, the state-run entity also has the Housing Loan offer which it is most popular of.
The Pag-IBIG Fund’s Housing Loan offer is ready to finance several loan application purposes with regards to real estate properties. In fact, it has helped countless Filipinos already most especially those who are low-income and average earners. You may apply for it for the purchase of a real estate property, house construction, home renovation, refinancing of an existing loan, or combined loan purposes.
How much is the Pag-IBIG Housing Loan amount that members may borrow under the offer? The loanable amount might actually vary but, according to the Fund, the maximum borrowing amount is P6 million.
The Fund considers the salary of the member-borrower and the value of the collateral in determining the Pag-IBIG Housing Loan amount that a member may borrow. Here are the qualifications under the loan offer:
- active Pag-IBIG Fund member with least 24 months savings
- not more than 65 years old at the date of loan application and is not more than 70 years old at the date of loan maturity
- no Pag-IBIG housing loan foreclosed, cancelled, bought back, or voluntarily surrendered
- legal capacity to acquire and encumber real property
- If with existing Pag-IBIG Housing account or Short Term Loan (STL), payments must be updated
It is important to know that the following grounds are not acceptable under the Pag-IBIG loan offer:
- Less than 28 sq. m. lot area
- Less than 18 sq. m. condominium floor area
- Properties with road right of way less than 1.5 meters
- Land types classified other than residential use
- Residential buildings must be compliant to the National Building Code, PD958 or BP220 as the case may be
Before applying for the loan offer, you might like to check the Pag-IBIG Housing Loan interest rate under it. The repayment may be done through any of the following:
- Salary deduction through Employer Collection Servicing Agreement (CSA)
- Post-dated checks
- Auto debit arrangement with banks
- Accredited collection partners
- Asia United Bank (AUB)
- Landbank of the Philippines
- Globe GCash
- CashPinas
- SM Bills Pay
- Bayad Center
- UCPB
- Maya
- Metrobank
- ECPay
- Metrobank
- ECPay
- M Lhuillier
- Accredited Collection Partners
- iRemit
- Asia United Bank (AUB)
- Ventaja PayRemit
- CashPinas
- Philippine National Bank (PNB)
If you wish to proceed to the loan application process, it is best to check on the documents that you should prepare and submit to the Pag-IBIG Fund. The requirements vary and here’s a guide: