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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 Expert‑reviewed content 100% Free • Walang bayad

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Datong 2026

Pinakabagong rates at regulasyon.

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