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Pag-ibig Calamity Loan Online Application Guide 2022

10 August 2022
Pag ibig Calamity Loan Online Application Guide 2022

The Philippines is susceptible to natural disasters. These include volcanic eruptions, storm surges, floods, and landslides, among others.

 

As a result, Filipinos are vulnerable to devastating accidents and extreme suffering and losses, particularly in the impacted regions. Because of this, the Pag-IBIG Fund, aside from its Multi-Purpose Loan, also offers Calamity Loan for its qualified members (whether you are self-employed or not) affected by natural disasters with prompt financial aid. Let's take a closer look at the loan program, the requirements, and the process of applying online.

 

What is Pag-IBIG Fund Calamity Loan?

 

In addition to Pag-IBIG MPL, there is a Calamity Loan available to members of the Pag-IBIG Fund who are in areas declared by the Office of the President or the Sangguniang Bayan that need financial aid due to a calamity or natural disaster.

 

The Pag-lBIG Fund's Calamity Loan Program is confined to man-made events and any of the following naturally occurring disasters and hazards that include the following:

 

• Earthquake

• El Nino and La Nina Phenomena

• Landslide

• Storm Surge

• Tornado

• Tsunami

• Typhoon

• Volcanic Eruption

 

To determine whether the Fund will open the program to cover the calamity in the event that it is not caused by natural disasters or geological processes, an internal evaluation will be conducted upon Board permission.

 

In addition, the Pag-IBIG Calamity Loan must be availed by eligible members within ninety (90) days after the proclamation of a state of calamity by the Office of the President or the Sangguniang Bayan for their area of residence.

 

How to be eligible for a Pag-IBIG Fund Calamity Loan?

 

In order to be eligible for the loan, you must have the following:

  •  At least 24 months of membership savings in Pag-IBIG Regular Savings
  • Active member with at least one (1) monthly contributions with the last six (6) months prior to the date of loan application
  • Account must not be in default if there is a current PagIBIG Housing or Multi-Purpose loan MPL and/or a Calamity Loan
  • Proof of income

 

On top of this, the borrower must also be a Filipino national and must reside in an area that has been designated a State of Calamity by the President's Office or the Local Sangunian authority.

 

How much Pag-IBIG Calamity Loan amount can I borrow?

 

Pag-IBIG members may borrow up to 80% of their total regular savings, which includes their monthly payments, their employer's contributions, and cumulative profits earned.

 

Your entire Pag-IBIG Regular Savings less your outstanding Multi-Purpose and/or Calamity Loan balance will be used to calculate the amount of loan you will get if you have any outstanding balance for Pag-IBIG Fund MPL and/or Calamity Loan.

 

Keep in mind that the Pag-IBIG Calamity Loan has an annual interest rate of 5.95% per annum.

 

How to get a Pag-IBIG Calamity Loan Online

 

You can now conveniently apply for a Pag-IBIG Calamity Loan online with your Pag-IBIG Regular Savings. Check these guidelines to know how:

 

Requirements

 

When you apply for a calamity loan from Pag-IBIG, you must provide the following documents:

 

• Accomplished Calamity Loan Application Form

• At least two (2) valid IDs

• Declaration of being affected by calamities for employed members

• Proof of income

• Selfie showing your cash card and ID card

 

Steps for Online Loan Application

 

To apply for a Pag-IBIG Calamity Loan, just choose one of the following methods of online application:

 

Via Virtual Pag-IBIG

 

Step 1. Visit www.pagibigfundservices.com/virtualpagibig

 

Step 2. Select "Apply or Manage Loans" and select "Apply for a Short-term Loan" to begin the application process.

 

Step 3. Verify that you have all the required documentation then click "Proceed."

 

Step 4. Select "Calamity Loan" from the Select Loan Type drop-down menu.

 

Step 5. Input your Pag-IBIG membership ID number or MID.

 

Step 6. To verify, click "Validate your MID number."

 

Step 7. Complete your contact information after your MID number has been verified.

 

Step 8. You will get an OTP on your mobile phone.

 

Step 9. Click "Proceed" once you've read the Data Privacy agreement.

 

Step 10. Enter your OTP and click "Proceed."

 

Step 11. Once you've completely reviewed your Calamity Loan application form, click "Next."

 

Step 12. Select whether you have a Cash Card or a Loyalty Plus Card.

 

Step 13. Provide your card number then click “Check cash card status.”

 

Step 14. Continue with the following step if your credit card is valid.

 

Step 15. Upload your Calamity Loan Application (both front and back), a scanned valid ID, and a selfie.

 

Step 16. Send in your application.

 

Step 17. Your reference number will be given to your registered mobile phone number.

 

Via E-MAIL filing

 

The online application for the Pag-IBIG Calamity Loan may also be submitted by e-mail. In the event of this COVID-19 pandemic, submitting loan applications through email is the safest option, according to Pag-IBIG. Here's how to do it:

 

Step 1. Fill up and sign the online calamity loan application form. There should be two witnesses who sign the document as well.

 

Step 2. After signing the Application Agreement part, scan or take a picture of the application form and email it to your company's HR, Fund coordinator, or authorized representative who will print the paperwork. The form will be scanned or photographed and returned to you by the company's HR department, an authorized representative, or the Fund Coordinator.

 

Step 3. Take a picture or scan your valid government-issued ID, Landbank, DBP cashcard, UCPB, or Loyalty Card Plus.

 

Step 4. Submit the completed application form, with your signature and the signature of your employer, as well as a valid photo ID and a cash card, to the Pag-IBIG email address associated with the main office of your company. Depending on your HR agreement, you or your employer may submit the application form and other documentation through email.

 

It's good to know that Filipinos have immediate financial assistance that they can use in the face of natural disasters through Pag-IBIG Fund. But, it is always best if you will choose to invest in a property that is flood-free and safe like the house and lot packages that we have in Lumina Homes!

 

Through this, our residents and future homeowners will have the peace of mind that their home investment can last any natural disaster as every home model units is built through Cast-In Place and Industrialized Building System or IBS.

 

So, avail now your investment of a lifetime with us and be practical through Lumina Homes communities!

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