Pag-IBIG Loan Status: Where to Check and Pay
Home Development Mutual Fund · loans
Quick answer
Pag-IBIG loan applications and status live in Virtual Pag-IBIG, which lists Apply for and Manage Loans as one of its five service groups and runs 24/7. Loan payments go through the same portal or Pag-IBIG's over-the-counter payment channels.
Last verified
Where these figures come from
About these figures: the numbers below come from Pag-IBIG's official published sources: Virtual Pag-IBIG (https://www.pagibigfundservices.com/virtualpagibig/, retrieved 2026-08-31); Pag-IBIG Fund | Payments (https://www.pagibigfund.gov.ph/member_payments.html, retrieved 2026-08-31); Pag-IBIG Fund | Branches (https://www.pagibigfund.gov.ph/branches.html, retrieved 2026-08-31). Agencies change fees and rates without notice, so confirm with Pag-IBIG before you rely on them. Last verified: 2026-08-31.
Pag-IBIG puts applications, status, records and payments in one place: Virtual Pag-IBIG, which it describes as Lingkod Pag-IBIG 24/7.
The five service groups
| # | Group | What it covers |
|---|---|---|
| 1 | Be a Member | Registration |
| 2 | Pay Online | Contributions, MP2 savings and loan payments |
| 3 | Apply for and Manage Loans | Applications and status |
| 4 | View Records | Contribution and loan records |
| 5 | Claim Pag-IBIG Savings | MP2 and Regular Savings claims |
Group 3 is the one this page is about; group 4 is where the numbers behind a loan decision live.
What each loan costs
| Loan | Rate | Term | Amount |
|---|---|---|---|
| Multi-Purpose Loan | 1.4583% a month | 12, 24 or 36 months | Up to 90% of Regular Savings |
| Calamity Loan | 5.95% a year | 12, 24 or 36 months | Up to 90% of Regular Savings |
| Housing Loan | Covered in its own guide | Covered in its own guide | Covered in its own guide |
| Home Improvement Loan | Covered in its own guide | Covered in its own guide | Covered in its own guide |
The Multi-Purpose Loan may be renewed after 4 amortisations. The Calamity Loan carries a 3-month grace period, runs only where a state of calamity has been declared, and has a 90-day filing window.
The MPL guide, the Calamity Loan guide, the housing loan guide and the home improvement loan guide cover each in full, and the MPL calculator and the housing loan calculator run the amortisation.
What decides the amount
Both cash loans are computed from the same base, so the record is the answer.
| Member type | Monthly Regular Savings | A year | Over 5 years |
|---|---|---|---|
| Employed, both shares | ₱400 | ₱4,800 | ₱24,000 |
| Self-employed | ₱400 | ₱4,800 | ₱24,000 |
| OFW without a Philippine employer | ₱200 | ₱2,400 | ₱12,000 |
| Under ₱10,000 monthly earnings | 2% of actual earnings | Varies | Varies |
At 90%, a member with ₱24,000 of Regular Savings has about ₱21,600 of loanable value, and one with ₱12,000 about ₱10,800. Those are arithmetic on Pag-IBIG’s published percentage, not loan offers.
The Regular Savings guide and the contribution table cover the base.
Paying a loan
| Route | Detail |
|---|---|
| Virtual Pag-IBIG | Pay Online, 24/7 |
| Over the counter | Pag-IBIG’s published payment channels |
| What you can pay for | Housing Loan; Regular Savings; MP2 Savings; Multi-Purpose Loan; payments for OFWs; housing loan processing fee |
The pay contributions guide covers the channels.
If the portal will not let you in
| Channel | Detail |
|---|---|
| Hotline | 8-724-4244, spelled 8-Pag-IBIG |
| contactus@pagibigfund.gov.ph | |
| Branch locator | Search within 5, 10, 25, 50 or 100 kilometres, or unlimited |
| Per-branch email | Published on each locator result, for example calapan@pagibigfund.gov.ph |
The branches and hotline guide lists the office types.
Have these ready
| Item | Why |
|---|---|
| Your Pag-IBIG MID number | It identifies the record; see the MID number guide |
| Your MP2 Account Number | Needed for MP2 payments through Virtual Pag-IBIG |
| Your Loyalty Card or Loyalty Card Plus | Required on claim forms, at ₱125 |
| Your contribution record | The base for the 90% loan computation |
What this page does not cover
Pag-IBIG does not publish, on the pages read for this guide, a processing time for a loan application, a status-update interval, the meaning of individual status labels inside the portal, the release schedule for approved proceeds, or a hotline for loan status specifically. None of those are stated here.
Related
The Multi-Purpose Loan guide and the Calamity Loan guide cover the two cash loans. The pay contributions guide covers paying them back.
Frequently asked questions
- Where do I check my Pag-IBIG loan status?
- Virtual Pag-IBIG at pagibigfundservices.com/virtualpagibig. Apply for and Manage Loans is one of its five published service groups, alongside becoming a member, paying online, viewing records and claiming savings. Pag-IBIG describes it as Lingkod Pag-IBIG 24/7.
- Can I pay a loan through the same portal?
- Yes. Pay Online is a separate service group, and Pag-IBIG's payments page lists the Multi-Purpose Loan, the housing loan and the housing loan processing fee among the six things you can pay for.
- What does a Multi-Purpose Loan cost while I repay it?
- 1.4583% a month, over a term of 12, 24 or 36 months, for up to 90% of your Regular Savings. Renewal is allowed after 4 amortisations.
- What does a Calamity Loan cost?
- 5.95% a year, over 12, 24 or 36 months, for up to 90% of Regular Savings, with a 3-month grace period. It runs only where a state of calamity has been declared, within a 90-day filing window.
- How much can I borrow?
- Both the Multi-Purpose Loan and the Calamity Loan are computed at up to 90% of your Pag-IBIG Regular Savings, so the answer depends on your contribution record rather than a fixed ceiling.
- Can I check my contribution record too?
- Yes. View Records is one of the five Virtual Pag-IBIG service groups, and it is the record both cash loans are computed from.
- What if I cannot get into the portal?
- The hotline is 8-724-4244, spelled 8-Pag-IBIG, with contactus@pagibigfund.gov.ph for email, and the branch locator at pagibigfund.gov.ph/branches.html finds an office within 5, 10, 25, 50 or 100 kilometres.
- Does Pag-IBIG publish a processing time?
- Not on the pages read for this guide. No processing time or status-update interval is stated here, because Pag-IBIG does not publish one on those pages.
More Pag-IBIG guides
Sources
- Virtual Pag-IBIG, retrieved
- Pag-IBIG Fund | Payments, retrieved
- Pag-IBIG Fund | Branches, retrieved