Pag-IBIG Salary Loan Requirements and How to Apply

30 March 2022
Pag IBIG Salary Loan Requirements and How to Apply

As the COVID-19 epidemic drags on, more and more Filipinos are taking out loans against their future wages to cover personal needs like medical bills, school tuition, utility bills, and other essentials. That is why it's like an answered prayer that Pag IBIG Fund is offering a Salary Loan for its members.


Applying for a Pag IBIG Salary Loan

You may now apply for an MPL or a Pag IBIG Calamity Loan from the comfort of your own home, as a member of Pag- IBIG Fund, without having to go to one of the nearest pag ibig branch to do so. Instead, you may now apply online by visiting the company's website, making the process safer, easier, and more accessible.


How to be eligible for the Salary Loan

In order to be eligible for a Salary Loan, pag ibig members of the fund must satisfy the conditions indicated below:

  • Put up a minimum of PHP 4,800 in Pag IBIG regular savings, or 24 monthly Membership Savings (MS)

  • At least one Membership Savings has been made in the recent six months, as of the month prior to when you applied for the loan.

  • You must provide appropriate evidence of your financial stability.


Interested applicants for the salary loan should also take note that there must not be any default accounts on the Pag-IBIG Housing or Pag-IBIG Calamity Loans at the time of application for new loans.

Once you are qualified for the loan application, you can now prepare the following pag ibig loan requirements:

  • Authenticated copies of a valid picture ID and two signature-bearing IDs.

  • Payslips from the most recent month of employment

  • Multi-Purpose Loan Application form from Pag IBIG


If you want to apply for the loan, you must also be a current Pag-IBIG member who has made at least five monthly payments for at least the previous six months. Also, when filling out a job application, be sure to include this information from your employer:

  • Agency Code and Branch Code

  • Employer/Company Name

  • Signature of Office Head/ or Authorized Representative

  • SSS/GSIS (Government Service Insurance System) No.


Pag IBIG Salary Loan Online Application

As a result of the recently improved community quarantine, Pag-IBIG has simplified the procedure to better serve the pag ibig fund members' urgent financial assistance requirements. The procedure, however, is only relevant to new applicants until the lockdown has been lifted.

1.       Complete the necessary forms that you may download online. The fillable loan form may be obtained online and does not need your signature to be filled out.

2.       Save the completed form as a PDF document.

3.       Send the form.


Including a (1) valid photo ID and front and back photos of your Loyalty Card Plus or Landbank, UCPB or DBP cash card, please send the completed PDF files to your firm's human resources department, authorized corporate representative, or fund coordinator.


You will then get an email from your company's HR, authorized agent, or fund coordinator including the following information:

  • Applicant name appears on the 'Employer Confirmation of STL Application.
  • This fillable form may be downloaded by an authorized corporate representative or fund coordinator who has completed the form to the satisfaction of the firm.

4.       If you'd want to send an MPL or Calamity loan to a Pag-IBIG branch near you, please use the email addresses below:


[email protected] : GMA Kamuning, Quezon Avenue, Commonwealth Avenue, Cubao, Marikina, Caloocan – EDSA, Valenzuela, Pasig, Mandaluyong - Shaw Zentrum and Antipolo branches


[email protected] : Makati-Buendia I, Binan, Makati-Ayala Avenue, Makati-Buendia II, Makati-JP Rizal, Taguig - Gate 3 Plaza, Guadalupe-EDSA, Muntinlupa, SM Aura, Intramuros, Sta. Mesa, Binondo, Pasay, Las Pinas-Robinsons Place, Paranaque, Imus, Rosario, and Dasmarinas branches


[email protected] : La Union, Laoag, Vigan, Dagupan, Urdaneta, and Baguio branches


[email protected] : Tuguegarao, Solano, and Cauayan branches


[email protected] : San Fernando, Tarlac, Angeles, SBMA, Balanga, Malolos, Baliwag, Cabanatuan, and Meycauayan branches


[email protected] : Lucena, Batangas, Lipa, Calamba, San Pablo, Sta. Rosa, Calapan, and Palawan branches


[email protected] : Legazpi and Naga branches


[email protected] : Cebu-Ayala, Dumaguete, Talisay, Toledo, Cebu-Colon, Mandaue, Danao, Mactan, Tagbilaran, Tacloban, Calbayog, and Ormoc branches


[email protected] : Iloilo-Manduriao, Iloillo-Molo, Kalibo, San Jose de Buenavista, Roxas, Bacolod, Kabankalan, and Sagay branches


[email protected] : CDO-Lapasan, CDO-Carmen, Valencia, Butuan, San Francisco, Surigao, and Iligan branches


[email protected] : Zamboanga, Dipolog, and Pagadian branches


[email protected] : Davao-Bajada, Davao-Matina, Davao-Lanang, Digos, Tagum, Panabo, General Santos, Polomolok, Koronadal, Kidapawan, and Cotabato branches


Members with a Pag IBIG Loyalty Card Plus or cash cards may also apply for a Pag IBIG salary loan by submitting the legally completed loan application form and all other prerequisites. Despite that, Pag IBIG Loyalty Cardholders may only apply online if their company is registered in the Virtual Pag IBIG for Employers program.


Pag IBIG Fund Branch Application

Meanwhile, for active pag ibig member who would like to submit their application through pag ibig office, you would need to coordinate your application with your company's HR department by submitting your documentation. Meanwhile, if you're self employed, you must go to a Pag-IBIG branch and get your paperwork processed for approval.


You may also apply for a loan renewal at a later date, but it will need six months' worth of payments toward your current loan and the remaining amount with cumulative interest. The new amount you borrow will be reduced by any fines or fees that have been assessed.


For every day the loan is not paid, the borrower will be charged 1% of the outstanding balance as a penalty.


Apply for pag-ibig salary loan and use it for your downpayment

Apply for pag-ibig salary loan and use it for your downpayment


Getting a pag ibig cash loan can assist you with various things such as for your business capital, credit card balances, education-related expenses like tuition and miscellaneous fees, medical expenses, utility bills, travel, and other special events.


In fact, existing Lumina Homeowners can even use these salary loans for home improvement! On the other hand, home seekers can utilize this short term loan to help them with the reservation or downpayment.


So make sure to start the year right and get your home investment now with Lumina Homes.

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