Академический Документы
Профессиональный Документы
Культура Документы
VISION
To be the premier and globally competitive provident financial institution.
MISSION
To uplift the quality of life of the members through savings.
GOALS
1. To motivate the employed and other earning groups to save, with
contributory support of the employers, through an integrated
nationwide provident savings system.
2. To provide affordable housing finance to the Funds members to
enable them to meet their housing needs.
3.
4.
5.
6.
There are two (2) modes of applying for a Pag-IBIG housing loan:
a) Developer-Assisted - the developer assists the member in his/her housing
loan application.
b) Retail - the member applies directly to the Fund.
4
ELIGIBILITY REQUIREMENTS
To qualify for a Pag-IBIG housing loan, a member shall satisfy the following
requirements:
1. On Pag-IBIG Membership
A member who has contributed for at least two (2) years shall be
required to pay the upgraded monthly savings rates upon housing loan
takeout and onwards.
A new member who wishes to apply for a housing loan and remit his
monthly savings in lump sum shall be required to pay monthly savings
that correspond to the loan amount applied for to cover the 24 months
membership requirement. Lump sum payment of savings shall be
considered a single monthly savings for the applicable month as of the
payment date.
Similarly, a member who has existing monthly savings that are still
short of the 24 monthly membership requirement may pay his monthly
savings for the succeeding months in lump sum based on the monthly
savings that correspond to the loan amount applied for.
After filing the housing loan application, the borrower shall pay his
monthly savings based on the mandatory rate until loan approval.
2. Not more than sixty-five (65) years old at the date of loan application and
must be insurable; provided further that he is not more than seventy (70)
years old at loan maturity;
3. Has the legal capacity to acquire and encumber real property;
4. Has passed satisfactory background/credit and employment/business
checks of the Pag-IBIG Fund;
5. Has no outstanding Pag-IBIG housing loan, either as a principal borrower
or co-borrower;
However, should a co-borrower in a tacked loan signify an intention to
avail of a Pag-IBIG housing loan himself, he shall be allowed to do so
provided the tacked loan, as a whole, is updated and the amount
proportionate to his loan entitlement has been fully paid. Hence, the coborrower shall be released from the original obligation with the consent of
the principal and the other co-borrowers, and shall be allowed to avail of
his own Pag-IBIG housing loan subject to standard evaluation procedures.
6. Has no outstanding Pag-IBIG multi-purpose loan in arrears at the time of
loan application. A member whose multi-purpose loan is in arrears shall
be required to pay his arrearages over the counter to update his account.
Procedure
Stage 1: Secure Checklist of Requirement
STEP 1
3 minutes
Person Responsible
Mortgage Loans
Specialist
Submit MSVS.
Get the following documents:
* MSVS
* Housing Loan Application (HLA)
* Checklist of Requirements
Stage 2: File Housing Loan Application with required documents
STEP 1
12 minutes
Mortgage Loans
Specialist
STEP 2
2 minutes
Cashier II
Mortgage Loans
Specialist
Notes:
1. The Mortgage Loans Specialist of the Members Services Support DivisionServicing Department/Housing Loans Division shall inform you through
telephone/cellphone/notice of any findings regarding the Credit Investigation and
Property Appraisal within 10 working days.
2. The Data Encoder III of the Members Services Support Division-Servicing
Department/Housing
Loans
Division
shall
inform
you
through
telephone/cellphone call on the approval/disapproval of housing loan application.
Person Responsible
Public
for
Mortgage Loans
Specialist
Person Responsible
Mortgage Loans
Specialist
Check Release
Controller
Notes:
1. The Loans Evaluation Division-Evaluation Department/Housing Loans Division shall
evaluate the documents submitted.
2. The Cash Division-Loans Origination Group/Cash and Administrative Services
Division shall process the Check.
11
STEP 2
5 minutes
Person Responsible
thru
12
Check Release
Controller
5 minutes
Person Responsible
Notice
Check Release
Controller
of
END OF TRANSACTION
For House Construction or Home Improvement with Staggered Releases
STEP 1
Person Responsible
Property Appraiser
II
Note:
The Property Valuation Division-Appraisal
Department/Housing Loans Division shall
conduct inspection of the property within 5
working days from receipt of the request.
STEP 2
STEP 3
Check Release
Controller
13
7. Insurance Coverage
a. Health Statement Form (Medical Questionnaire)
OFW members over 60 years old
Loans over P2.0 M to P6.0 M and for borrowers aged up to 60 years old
b. Health Statement Form (Medical Questionnaire) and Full Medical Examination
Borrowers over 60 years old
8. Marriage Contract (For all married borrower/s and co-borrower/s)
9. Birth Certificate or any proof of relationship, if with co-borrower/s
10. Certified true copy of Transfer Certificate of Title (TCT) (latest title)
11. For Condominium Unit, Certified True Copy of present TCT and CCT
12. Photocopy of Updated Tax Declaration and Updated Real Estate Tax Receipt
13. Location Plan and Vicinity Map
14. For new member or member with less than the required number of monthly
savings, photocopy of Pag-IBIG Fund Receipt (PFR) representing lump sum
payment of monthly savings.
15. Approved letter request to re-avail of a Pag-IBIG housing loan (for member/s with
housing loan that was foreclosed, cancelled, bought back due to default or
subjected to dacion en pago).
The Pro-forma Health Statement Form (Medical Questionnaire) is available at the
Members Services Support Division-Servicing Department for NCR or at any Pag-IBIG
Regional Branch or downloadable from the Pag-IBIG website, www.pagibigfund.gov.ph.
Additional Requirements Depending on the Loan Purpose
For Purchase of Residential House and Lot, Townhouse or Condominium Unit,
Purchase of Lot and Construction of House, Purchase of a Fully Developed
Lot/Adjoining Lot
1. Contract to Sell or similar agreement between the buyer and the seller. If the
Seller is a Developer, submits the following documents:
a. Certificate of Registration, License to Sell, Development Permit, and
Secretarys Certificate
b. Photocopy of back to back valid primary ID from Corporate Secretary
For Purchase of Lot and Construction of House, Construction of House, Home
Improvement
Building Plans, Specification and Bill of Materials duly signed by the Licensed Civil
Engineer or Architect, Building Permit
For Refinancing
1. Statement of Account on outstanding loan balance, indicating loan purpose
2. Any of the following documents:
Official Receipt for the past 12 months
Subsidiary Ledger
Any valid proof of payment for the past 12 months
15
16
17
1.
2.
3.
4.
5.
6.
7.
18
Company ID
Passport, issued by Philippine or
Foreign Government
Drivers License
Professional Regulation
Commission (PRC) ID
Social Security System (SSS) Card
Government Service Insurance
System (GSIS) e-Card
Government Office and GOCC ID,
e.g. Armed Forces of the
Philippines (AFP) ID
8.
9.
10.
11.
12.
13.
14.
19
Pag-IBIG Hotline
For your immediate concerns, you may also reach us at 724-4244 (Pag-IBIG), from
Monday to Friday between 8:00 am and 5:00 pm. However, you may also call the
Marketing and Enforcement Division of the concerned branch at telephone numbers
indicated under List of Branches.
Rest assured that we shall carefully evaluate your concerns and shall respond to you
immediately. Likewise, we shall give your complaints considerable attention
according to the following:
Duration
3 working days
Nature of Concern
Simple queries (General Information)
Complaints
10 working days
1 hour
Thank you for your continued support to the Fund. We look forward to bringing you
and all our members a more responsive service.
20
NORTHERN LUZON
SOUTHERN LUZON
La Union
Abra, Ilocos Sur, Ilocos Norte, La
Union,
Baguio
Baguio, Benguet, Mt. Province
Dagupan
Pangasinan
Malolos
Malolos City, San Jose Del Monte
City
San Fernando
Pampanga, Angeles City, Tarlac,
Nueva Ecija, Cabanatuan City,
Palayan City, San Jose City,
Aurora
Dinalupihan
Western Pampanga, Bataan,
Balanga City, Zambales, Olongapo
City
Tuguegarao
Batanes, Cagayan, Tuguegarao
City, Ifugao, Isabela, Cauayan
City, Santiago City, Kalinga
Apayao, Nueva Vizcaya, Quirino
Calamba
Laguna (except: Cabuyao, Bian,
Sta. Rosa, San Pedro)
Lucena
Quezon
Batangas
Batangas
Calapan
Occidental Mindoro, Oriental
Mindoro, Marinduque, Romblon,
Palawan
Legazpi
Albay, Legazpi City, Catanduanes,
Mascate, Sorsogon
Naga
Camarines Norte, Camarines Sur,
Iriga City, Naga City
VISAYAS
NORTHERN MINDANAO
SOUTHERN MINDANAO
Iloilo
Iloilo, Iloilo City, Passi City,
Antique, Aklan, Capiz, Roxas City,
Guimaras
Cebu South
Cebu City, Toledo City, Negros
Oriental, Bais City, Canlaon City,
Dumaguete City, Tanjay City
Cebu North
Mandaue, Danao City, Lapu-Lapu
City, Mandaue City, Bohol, Danao
City
Bacolod
San Carlos City, Escalante City,
Sagay City, Cadiz City, Victorias
City, Silay City, Talisay City,
Bacolod City, Bago City, La
Carlota City, Himamaylan City,
Kabankalan City, Sipalay City
Tacloban
Leyte, Southern Leyte, Western
Samar, Biliran, Northern Samar,
Eastern Samar
Zamboanga City
Zamboanga del Norte, Basilan,
Tawi-tawi, Sulu
Pagadian
Zamboanga del Sur, Zamboanga
Sibugay, Misamis Occidental
Iligan
Lanao del Norte, Lanao del Sur
Butuan
Agusan del Norte, Agusan del Sur,
Surigao del Norte, Surigao del Sur
Cagayan de Oro
Misamis Oriental, Bukidnon,
Camiguin
Davao City
Davao City, Island Garden City of
Samal, Digos City, Davao del Sur
Tagum
Tagum City, Panabo City, Davao
del Norte, Compostella Valley,
Davao Oriental
General Santos
South Cotabato, Koronadal City,
Sarangani
Kidapawan City
North Cotabato, Maguindanao,
Sultan Kudarat
21
NORTHERN LUZON
LA UNION
Pag-IBIG Fund Bldg. Government
Center. Brgy.Sevilla,
San Fernando City La Union
072-2425588 to 89 loc. 202
Vigan Extension Office
Ground Floor, CAP Bldg.
Florentino St., Vigan City
072-6321118
Ilocos Norte Extension Office
WC Bldg., Brgy. #10
D. Samonte St., Laoag City
077-7704699/7705216
BAGUIO
G/F Insular Life Bldg. Abanao Ext. cor.
Legarda Road, Baguio City
074-6191330/2710 local 202
DAGUPAN
Rudel Building, Perez Boulevard
cor. Guilig Street, Dagupan City,
Pangasinan
075-5223865/3266 loc 200
MALOLOS
2nd Floor, North Centrum Bldg.
Tabang, Guiguinto, Bulacan
044-7940549 loc. 208
044-7944309
Cabanatuan Extension Office
Duran Building, Quezon District
Maharlika Highway,
Cabanatuan City
044-6001225/463-1692
Baler Service Desk
Baler Municipal Building
Poblacion, Baler, Aurora
042-722-0000
SAN FERNANDO
Suburbia Commercial Center
Maimpis, City of San Fernando,
Pampanga
045-8604490 loc. 118 /
045-8612686
Tarlac Extension Office
Benin Bldg. Zamora Street
San Roque, Tarlac City
045-6286025 to 26
DINALUPIHAN
NEJ Bldg. San Ramon Highway
Dinalupihan, Bataan
047-4811181
TUGUEGARAO
Ong Chong Bldg.
88 Del Rosario St.
Tuguegarao City, Cagayan
078-8441448/2285 loc. 111/113
Isabela Extension Office
2nd Floor, Bucag Bldg.
cor. Faustino L. Dy & Canciller
Sts. Cauayan City Isabela
078- 634-5156/ 652-2883
Nueva Vizcaya Extension
Office
BAJ Bldg., Mabini St. Solano,
Nueva Vizcaya
078-3266113/3267811
SOUTHERN LUZON
CALAMBA
High Rise Business Center National
Highway, Brgy. Halang,
Calamba City, Laguna
049-5451278/5451232/
5451236 loc. 201/205/206
LUCENA
G/F & 2/F Lucena Grand Central
Terminal Bldg., Ilayang Dupay,
Lucena City
042-3736727
22
BATANGAS
Caedo Commercial Center
National Highway Bo. Calicanto,
Batangas City
043-7236578
CALAPAN
Unit 11 Filipiniana Commercial
Complex Brgy. Sto. Nino Calapan
City, Oriental Mindoro
043-2867455/288-1597
Puerto Princesa Extension
Office
Lustre Building, Rizal Avenue,
Puerto Princesa City, Palawan
048-4335024
LEGAZPI
Hi-Tone Construction &
Development Corp. Bldg.
B. Imperial St. Bitano,
Legazpi City
052-4808867/4808539
Loc. 207-209
Masbate Extension Office
Espinosa Apartment, Mabini St.,
Masbate City
056-3333678
NAGA
Bldg. 1, ALDP Plaza Mall,
Roxas Avenue (Diversion
Road) Naga City
054-4735232 to 34 /4738098
to 99 loc. 314/333
Daet Field Service Center
Rafer Bldg. Magallanes, Iraya,
Daet, Camarines Norte
054-4401640
VISAYAS
ILOILO CITY
F & E Bldg., Emmanuel Business
Center, Benigno Aquino Avenue, Molo
Iloilo City
033-3367435
Kalibo Extension Office
3rd Floor Garcia Bldg., C. La Cerna St.
Kalibo, Aklan
036-2689335
Capiz Extension Office
Acevedo Building, Mckinley Street
Roxas City
036-6214165
CEBU SOUTH
G/F, 2/F & 5/F Pag-IBIG Fund
WT Corporate Tower, Mindanao
Avenue, Cebu Business Park,
Cebu City
032-415-5008 (direct line)
Talisay Service Center
G/F Talisay City Hall, Lawa-an II,
Talisay City, Cebu
Dumaguete Extension Office
Philippine National Red Cross
Bldg. Legaspi St.,
Dumaguete City
035-4228199/2257713
CEBU NORTH
3/F & 4/F Pag-IBIG Fun d WT
Corporate Tower, Mindanao
Avenue, Cebu Business Park,
Cebu City
032-4122175 loc. 4502
Tagbilaran Extension Office
Maria Clara St. Tagbilaran City
038-4125977/5018455
BACOLOD
St. Francis Center, Araneta St.
Singcang Bacolod City
034-4351149 loc. 104/114/115
TACLOBAN
Pag-IBIG Fund Bldg. Lopez
Jaena St. cor. Del Pilar
Extensions Tacloban City
053-3259098/3259089
Ormoc Service Center
Rm 208, 2nd Floor, Superdome
San Pedro Street, Ormoc City
053-2555089
NORTHERN MINDANAO
ZAMBOANGA CITY
Pag-IBIG Fund Bldg. San Jose Road
Baliwasan, Zamboanga City
062-9920805
Dipolog Extension Office
3rd Floor Ello Building, corner Arellano
and Echavez Sts. Dipolog City
065-908-1178/2124542
PAGADIAN
2nd Floor DBP Building, Rizal
Avenue, Balangasan District
Pagadian City
062-2141695/2152716/2144959
ILIGAN
Ground Floor and 2nd Floor,
Gonzales-Gimeno Bldg. IV,
Tubod Highway, Iligan City
063-2213378
BUTUAN
ARUJ Building, T. Calo Street
Extension, Butuan City
085-3423183/2252341
loc. 20/21
Surigao Extension Office
Ground Floor, Lorna Laurente
Bldg.,Rizal St.,Surigao City
086-8266212
CAGAYAN DE ORO
Pag-IBIG Fund Building, J.R.
Borja-Mortola St.,
Cagayan de Oro City
08822-714616
Malaybalay Extension Office
Tubeo Bldg., Damasco St.,
Malaybalay City, Bukidnon
088-2214155
SOUTHERN MINDANAO
DAVAO CITY
Pryce Tower Condominium
Pryce Business Park, Bajada
8000, Davao City
082-2241793
TAGUM
Nicoles 22 Building, Assessors
Village, Apokon, Tagum City
084-2161182
KIDAPAWAN
3rd Floor Evas Mall Bldg.
Quezon Blvd., Kidapawan City
064-5210253
Cotabato Extension Office
6th Floor, Cotabato Yu Ekey
Marketing Bldg., Don Rufino
Alonzo St., Cotabato City
064-4213120/4213332
Disclaimer
The provisions in this Charter may be revised or modified in accordance with new as well as amended guidelines and procedures any time
without prior notice to the members. In such cases, the updated versions of the Citizens Charter may be accessed through the Pag-IBIG Fund
website at www.pagibigfund.gov.ph.
23