Pag-IBIG guides
Home Development Mutual Fund
Savings, housing loans, MP2 and multi-purpose loans for Filipino members. Official site: www.pagibigfund.gov.ph
Showing 16 of 16 guides
contributionsHow to Pay Pag-IBIG Contributions Online₱400 a month employed, ₱200 for OFWs, from ₱500 a remittance for MP2. Pay through Virtual Pag-IBIG or over the counter.savingsMP2 Enrollment: Open an Account and Save OnlineYou need one contribution in the last 6 months to count as active. Saving starts at ₱500 a remittance, and 2025 returned 7.12%.savingsMP2 Withdrawal: Claiming at Maturity and BeforeMaturity is 5 years of membership savings. Bring the APB form, your Loyalty Card and one valid ID. Death and departure claims differ.loansPag-IBIG Calamity Loan: 5.95% Rate and PaymentsThe Pag-IBIG Calamity Loan charges 5.95% a year, lends up to 90% of your Regular Savings, and must be applied for within 90 days of the declaration.savingsPag-IBIG Contribution Table: ₱400 a Month ExplainedWhat you pay Pag-IBIG each month by member type since February 2024, how the ₱10,000 Maximum Fund Salary sets it, and where to pay.membershipPag-IBIG for OFWs: ₱200 a Month and What It BuysOFW members pay ₱200 a month, matched at ₱200 by a Philippine employer. MP2 adds a tax-free layer that returned 7.12% in 2025.loansPag-IBIG Home Improvement Loan: ₱300,000 at 3%Borrow up to ₱300,000 for repairs needing no building permit, over up to 5 years. The first 10,000 borrowers get a subsidised 3% rate.online servicesPag-IBIG Hotline 8-724-4244 and Branch FinderOne hotline spelled 8-Pag-IBIG, a per-branch email network, and a locator with a 5 to 100 km radius. Plus what Virtual Pag-IBIG replaces.loansPag-IBIG Housing Loan: Rates and Monthly PaymentsPag-IBIG regular housing loan rates by repricing period, the 4.5% and 5.75% promo rates, the ₱10 million ceiling, and monthly payments by term.loansPag-IBIG Loan Status: Where to Check and PayVirtual Pag-IBIG carries apply, manage and pay in one place, 24/7. What each loan costs while you wait on a decision.membershipPag-IBIG Loyalty Card Plus: ₱125 Fee and DiscountsThe Pag-IBIG Loyalty Card Plus costs ₱125 at a branch and carries partner discounts of 5% to 30%. What each published offer is worth, and how to get one.membershipPag-IBIG MID Number: Verify It or Get It BackTurn your RTN into a permanent Pag-IBIG MID Number in 2 to 3 working days, and the three published routes to retrieve one you have forgotten.savingsPag-IBIG MP2 Savings: Rates and ReturnsPag-IBIG MP2 declared dividend rates from 2021 to 2025, the ₱500 minimum, the 5-year term, and what ₱500 to ₱10,000 a month adds up to.loansPag-IBIG Multi-Purpose Loan: Rate, Amount, PaymentsThe Pag-IBIG MPL runs at 1.4583% a month over 12, 24 or 36 months, and lends up to 90% of your Regular Savings. Requirements, payments and renewal.membershipPag-IBIG Registration Online: Steps and What FollowsRegister through Virtual Pag-IBIG, get your RTN, and turn it into a permanent MID Number in 2 to 3 working days. Plus updating and merging records.savingsPag-IBIG Regular Savings: Rates, Claims and ValuePag-IBIG Regular Savings paid 6.62% for 2025. What the ₱400 monthly contribution builds, when you can claim it, and how it differs from MP2.
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Pag-IBIG calculators
None carry an agency rate. You enter the current rate and confirm it.
Pag-IBIG Housing Loan CalculatorWork out a Pag-IBIG housing loan amount, monthly amortisation and total interest from a property price, down payment and rate you enter.Pag-IBIG MP2 Savings CalculatorProject your Pag-IBIG MP2 maturity value from monthly savings and the dividend rate.Pag-IBIG MPL CalculatorWork out a Pag-IBIG Multi-Purpose Loan amount and its monthly amortisation from your Regular Savings balance and a rate you enter.