Details under the Pag-IBIG Calamity Loan 2026 & the Application
PAG-IBIG CALAMITY LOAN 2026 – The Fund made it sure that its members have something to turn to when natural disasters take place.
The Philippines is one of the countries usually hit by natural calamities. In fact, every year, several storms hit the country and the history of the country holds records about several typhoons leaving some areas in the country devastated.
The Philippines experiences several earthquakes on a daily basis, each varying in intensity. In addition to these frequent tremors, the country also faces the rare but potentially dangerous occurrence of volcanic activity, which poses risks to the safety of residents living nearby.
Since the Philippines is among the countries frequently struck by calamities, being eligible for calamity loan programs can be a real advantage. While no one wishes to experience a natural disaster, it is often unavoidable—and having access to financial assistance provides a safety net when such events occur unexpectedly.
In the Philippines, calamity loans are offered by state-run institutions such as the Pag-IBIG Fund, the Government Service Insurance System (GSIS), and the Social Security System (SSS). If you are a member of any of these institutions, you may be eligible to apply for financial assistance during times of disaster.
The Pag-IBIG Calamity Loan 2025 is available not only to salaried members but also to non‑salaried members of the Fund. This program is designed to provide financial assistance to members residing in areas officially declared under a State of Calamity.
The Pag-IBIG Calamity Loan is available to members who have posted at least twenty‑four (24) monthly membership savings under the Pag‑IBIG Regular Savings program. To qualify, the account must be active, with at least one (1) monthly contribution made within the six (6) months prior to the loan application date.
In addition, the member-borrower must reside in an area declared under a State of Calamity by either the Office of the President or the Local Sangguniang. Applicants are also required to present sufficient proof of income to qualify for the loan.
The loanable amount under the Pag‑IBIG Calamity Loan depends on the member’s total savings. Borrowers may repay the loan over a period of three (3) years, or up to 36 monthly installments, with an interest rate of 5.95% per annum.
To apply for the Pag‑IBIG Calamity Loan, members must prepare and submit the following documents to the nearest Pag-IBIG Fund branch: