Guide on Pag-IBIG Multi-Purpose Loan Requirements 2026 for Members Who Want To Apply
PAG-IBIG MULTI-PURPOSE LOAN REQUIREMENTS 2026 – For self-employed members of the Fund, here are the documents that are required for the loan application.
Many self-employed individuals in the Philippines see to it that they have active membership to several state-run entities. One of them is the Pag-IBIG Fund which has a multi-million member populace.
Today, there are many different ways that you can actually do to prepare more effectively for the future. One smart step you can make is to maintain an active membership with financial entities that provide loan programs, giving you support whenever an unwanted but unexpected and inevitable needs arise.
In the Philippines, aside from the Government Service Insurance System (GSIS) and the Social Security System (SSS) which are the two social insurance giants, another state‑run entity that members can rely on is the Pag‑IBIG Fund. Operating for several decades, it has provided services to countless Filipinos through its wide range of loan programs.
The Fund offers several loan programs. It is most popular for its Pag‑IBIG Housing Loan but it also provides the Pag‑IBIG Multi‑Purpose Loan. Also called the MPL, it is designed to help members meet their short‑term financial needs.
Having access to a Multi‑Purpose Loan gives you a reliable option in case an unexpected need for cash arise. The loan proceeds can be used for a variety of purposes—such as car repairs, travel, hosting special events, or even boosting business capital.
Furthermore, to apply for the Pag‑IBIG Multi‑Purpose Loan, it’s important to prepare the required documents and meet the eligibility criteria.
One good news is that the Pag‑IBIG Multi‑Purpose Loan is available not only to salaried members but also to self‑employed individuals. To qualify for this program, applicants must meet the following requirements:
- in active membership by having at least one (1) monthly membership savings within the last six (6) months prior to the date of loan application
- at least twenty-four (24) monthly membership savings under the Pag-IBIG Regular Savings program
- has no Pag-IBIG Housing Loan, MPL and/or Calamity Loan in default
- reliable source of income
If you are applying for the Pag‑IBIG Multi‑Purpose Loan, you should submit certain documents required by the Fund. Below are the specific application requirements
- duly-accomplished and signed Pag-IBIG Multi-Purpose Loan Application Form
- photocopy of one (1) valid ID such as the following:
- passport
- Driver’s License
- National Bureau of Investigation (NBI) Clearance
- Professional Regulation Commission (PRC) ID
- Police Clearance
- Voter’s ID
- Postal ID
- Government Service Insurance System (GSIS) e-Card
- Senior Citizen Card
- Barangay Certification or Barangay IDs
- Social Security System (SSS) Card
- Overseas Filipino Worker ID
- Overseas Workers Welfare Administration (OWWA) ID
- Alien Certification of Registration/Immigrant Certificate of Registration
- Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
- Seaman’s Book or Seafarer’s Identification and Record Book (SIRB)
- Department of Social Welfare and Development (DSWD) Certification
- Government Office and GOCC ID
- Integrated Bar of the Philippines ID
- Company ID
- Philippine Identification (PhilID) Card
The Fund requires loan applicants to present proof of income. For self‑employed members applying for the pffer, any of the following documents may be submitted:
- photocopy of Income Tax Return (ITR) and Official Receipt of tax payment from bank supported with DTI Registrant and Mayor’s Permit or Business Permit
- original copy of bank statements or passbook for the last 12 months
- original copy of Commission Vouchers indicating the name and contact details of the issuer
- original copy of Certified True Copy of Transport Franchise
- original copy of the Notarized Affidavit of Income
- original copy of the Certificate of Engagement issued by the business owner
Aside from the MPL, the Pag-IBIG Fund also has many other loans that attends to different purposes.