Pag-IBIG Housing Loan Guide 2026
Eligibility, contribution tables, loan calculators & application steps
Gabay sa Pag-IBIG Housing Loan 2026
Eligibility
- Active Pag-IBIG member with at least 24 monthly contributions
- At least 18 years old and not over 65 at loan maturity
- Must have legal capacity to acquire and encumber real property
- If OFW: active membership and meet contribution requirement
Loan amount
- Minimum loan: ₱150,000
- Maximum: up to ₱6 million (depending on repayment capacity)
- Loan-to-value: up to 100% for socialized, 95% for low-cost, 90% for others
Interest rates (2026)
- First 3 years: 6.5% p.a. (fixed)
- Next 5 years: market rate (prevailing at repricing)
- Max term: up to 30 years
Monthly contribution table (2026)
Based on monthly compensation. Employer share not shown. Updated as per Pag-IBIG Fund circulars.
| Monthly compensation (₱) | Employee contribution (₱) | Total monthly savings (₱) |
|---|---|---|
| 1,500 – 1,999 | 2% of salary | 4% (max 80) |
| 2,000 – 2,499 | 2% (min 40) | 4% (max 100) |
| 2,500 – 3,499 | 2% (min 50) | 4% (max 140) |
| 3,500 – 4,999 | 2% (min 70) | 4% (max 200) |
| 5,000 and above | 100 (max) | 200 (max) |
| OFW / self-employed: fixed ₱100 monthly (employee share) if income ≥1,500 | ||
Sample monthly amortization (₱)
Assumes 6.5% fixed rate for first 3 years, 20-year term. Actual rates may vary.
| Loan amount (₱) | Monthly amortization (₱) | Total interest (₱) first 3 yrs |
|---|---|---|
| 500,000 | 3,726 | 63,590 |
| 1,000,000 | 7,452 | 127,180 |
| 1,500,000 | 11,178 | 190,770 |
| 2,000,000 | 14,904 | 254,360 |
| 3,000,000 | 22,356 | 381,540 |
Application process (step-by-step)
1
Check eligibility
Verify at least 24 monthly contributions via Virtual Pag-IBIG.
2
Secure documents
Valid ID, proof of income, TCT, tax declaration (for house & lot).
3
File application
Submit forms (HGF-6, HQP-LOF) to any Pag-IBIG branch or online.
4
Wait for evaluation
Loan approval usually takes 7–15 working days.
📄 Documentary requirements
- Completed application form (HGL-100)
- Proof of income (latest ITR, payslip, COE, bank statements)
- Transfer Certificate of Title (TCT) / Condo CCT
- Tax Declaration and latest tax receipt
- Government-issued ID (2 valid IDs)
- Marriage contract (if applicable)
For OFWs: additional proof of remittance and POEA contract.
Updated for 2026
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