Guide on Pag-IBIG HEAL Requirements 2025 for Application
PAG-IBIG HEAL REQUIREMENTS 2026 – Locally-employed members of the Pag-IBIG Fund who want to apply for the loan need to submit these documents.
Millions of Filipinos are members of the Pag-IBIG Fund. These including individuals who are government employees as well as those who are working in the private sector. Many overseas Filipino workers are also members of the Fund.
The Pag-IBIG Fund has been serving Filipinos since its establishment in 1978. Over the decades, it has introduced various loan programs, but the most sought-after remains the Pag-IBIG Housing Loan. This program can be used to finance the purchase of a residential property, fund home renovations, support house construction, refinance an existing mortgage, or even cover multiple housing-related needs in one loan.
Aside from the Housing Loan, the Pag-IBIG Fund also offers other popular programs such as the Calamity Loan and the Multi-Purpose Loan (MPL). Over the years, the agency has continued to expand its loan portfolio for members, introducing the Home Equity Appreciation Loan—better known as the Pag-IBIG HEAL.
Many Pag-IBIG Fund members remain unaware of this loan program. Its purpose is to help qualified borrowers pursue other personal goals while continuing to pay off an existing housing loan with the Fund.
Pag-IBIG members can apply for the Home Equity Appreciation Loan to finance a wide range of needs—whether it’s buying a car, funding travel, or boosting business capital. This program is available to both salaried and self-employed members of the Fund.
When it comes to the Pag-IBIG HEAL, the requirements cover both eligibility criteria and documentary submissions, which differ for employed and self-employed members. For locally employed members, the following qualifications must be met to be considered for the loan:
- duly-accomplished Pag-IBIG Home Equity Appreciation Loan (HQP-HLF-858)_V01
- duly-accomplished Pag-IBIG Home Equity Appreciation Loan, for co-borrower/s (HQP-HLF-868)_V01
- Proof of Income (any of the following):
- Certificate of Employment and Compensation (CEC), indicating the gross monthly income and monthly allowances or monthly monetary benefits received by the employee (1 original copy) duly signed by the authorized signatory of the employer
- atest Income Tax Return (ITR) for the year immediately preceding the date of loan application, with attached BIR Form No. 2316, duly acknowledged by the BIR or authorized representative of employer
- one (1) Month Payslip, within the last three (3) months prior to date of loan application with name and signature of the authorized signatory of employer
- one (1) valid I.D.
- updated Real Estate Tax Receipt/s as of the quarter immediately preceding the date of application
- Health Statement Forms
- Conformity Form for New/Subsequent Housing Availment (HLF409_V03), for co-borrowers who need to express their consent to the new HEAL application
As part of the Pag-IBIG HEAL application requirements, you’ll need to present a valid ID. Any of the following identification cards may be submitted to the Pag-IBIG Fund:
- Philippine Identification (PhilID) Card
- Passportincluding those issued by foreign governments
- Driver’s License
- Professional Regulation Commission (PRC) ID
- National Bureau of Investigation (NBI) Clearance
- Police Clearance
- Postal ID
- Voter’s ID
- Tax Identification Number (TIN) ID
- Barangay Certificationor Barangay IDs or similar documents bearing picture of the Member
- Government Service Insurance System (GSIS) e-Card
- Social Security System (SSS) Card
- Senior Citizen Card
- Overseas Workers Welfare Administration(OWWA) ID
- Overseas Filipino WorkerID
- Seaman’s Book or Seafarer’s Identification and Record Book (SIRB)
- Alien Certification of Registration/Immigrant Certificate of Registration
- Government Office and GOCC ID, e.g. AFP ID, Pag-IBIG Fund Loyalty Card
- ID issued by the National Council on Disability Affairs (NCDA)
- Department of Social Welfare and Development (DSWD) Certification
- Integrated Bar of the Philippines ID
- Company ID issued by Private Entities or Institutions Registered with or supervised or regulated either by the BSP, SEC or IC
- PhilHealth Health Insurance Card ng Bayan.
The Pag-IBIG Fund has several other loans that you might also like to check out.