Guide on Pag-IBIG Calamity Loan Amount 2026 Allowed for Member Borrowing
PAG-IBIG CALAMITY LOAN AMOUNT 2026 – Here is a guide on the borrowing amounts under the Fund’s loan offer in times of natural disasters.
Are you one of the members of the Pag-IBIG Fund? The state-run entity is one of the entities that you may turn to in times of unwanted but inevitable situations like natural calamities in which Filipinos are prone to.
Millions of Filipinos are members of the Pag-IBIG Fund. Unlike the Government Service Insurance System (GSIS) and the Social Security System (SSS), Pag-IBIG membership is open not only to salaried workers in both the private and public sectors, but also to individuals without regular employment.
The Pag-IBIG Fund provides its members with a variety of loan options designed to meet different needs. Beyond the Pag-IBIG HEAL Loan, the agency also extends assistance through its Calamity Loan program. This loan is available to qualified members who may be affected by natural disasters such as typhoons, floods, earthquakes, volcanic eruptions, and other similar emergencies.
- Typhoon
- Earthquake
- Storm surge
- Volcanic eruption
- Landslide
- Tornado
- El Niño and La Niña phenomena
- Tsunami
The Philippines is highly vulnerable to natural disasters, particularly earthquakes and typhoons. Tremors are recorded in different parts of the country almost daily, while an average of at least 10 storms strike each year. Although both the government and citizens can prepare for these events, their true impact can only be known once they occur.
Being eligible for a calamity loan is a significant advantage. Under the Pag-IBIG Calamity Loan program, qualified members may borrow up to 80% of their total Pag-IBIG Regular Savings. This savings includes their monthly contributions, their employer’s share, and the dividends accumulated over time.
If you already have an outstanding Multi-Purpose Loan and/or Calamity Loan with Pag-IBIG, the amount you can borrow under the Calamity Loan program will be reduced. Specifically, the loanable amount is computed by taking 80% of your total Pag-IBIG Regular Savings—made up of your monthly contributions, your employer’s share, and accumulated dividends—and deducting the balance of your existing loan(s).
Simply put, the larger your Pag-IBIG savings, the bigger the calamity loan you can qualify for. The program carries an annual interest rate of 5.95%, making it a relatively affordable option for members in need of financial assistance during disasters.
The loan is payable over three years, or up to 36 monthly installments. To qualify for the Pag-IBIG Calamity Loan, members must meet the following conditions:
- at least twenty-four (24) monthly membership savings under the Pag-IBIG Regular Savings
- 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
- resident of an area declared by the Office of the President or the Local Sangguniang under a State of Calamity
- has sufficient proof of income
According to Pag-IBIG Fund, members with an existing Housing Loan, Calamity Loan, or Multi-Purpose Loan must ensure that their accounts are not in default before applying. The documents required for a Calamity Loan application vary depending on the member’s employment status. Here’s a quick guide: