How long can I pay my Pag-IBIG housing loan?

Pag-IBIG housing loans can be paid over a maximum term of 30 years. The minimum term is 1 year. Longer terms mean lower monthly payments but higher total interest paid.

What is the maximum Pag-IBIG housing loan amount?

The maximum loanable amount is PHP 6 million for regular housing loans. Under the Affordable Housing Program, members can borrow up to PHP 10 million for properties in designated areas. The actual amount depends on your paying capacity, contribution years, and property appraisal value.

Can I use my Pag-IBIG savings as down payment?

Yes. You can use your Total Accumulated Value (TAV) in your Pag-IBIG savings as part of your equity or down payment for the housing loan. You can request a TAV withdrawal for this purpose.

How do I apply for a Pag-IBIG housing loan?

You can apply online through the Pag-IBIG Fund Virtual Office or in person at any Pag-IBIG branch. Submit the required documents, wait for property appraisal and credit investigation, then sign the loan documents upon approval. The process typically takes 20-30 business days.

What happens if I miss a Pag-IBIG housing loan payment?

Late payments incur a penalty of 1/20 of 1% per day of delay. If you miss three consecutive monthly payments, your loan account is classified as delinquent. After six months of non-payment, foreclosure proceedings may begin. Contact Pag-IBIG immediately if you are having difficulty making payments to explore restructuring options.

Pag-IBIG Housing Loan Guide Philippines

Pag-IBIG housing loans offer interest rates from 5.375% to 10.375% per year depending on loan amount and term. Maximum loanable amount is PHP 6 million (or PHP 10 million under the Affordable Housing Program). You need at least 24 monthly Pag-IBIG contributions to qualify.

Updated March 14, 2026

This page is not affiliated with any Philippine government agency. Information is based on publicly available official sources and may change. Always verify details with the relevant government office.

Pag-IBIG Housing Loan at a Glance

Interest Rates: 5.375% – 10.375% per year (varies by loan amount)

Max Loan Amount: PHP 6,000,000 (regular) / PHP 10,000,000 (affordable housing)

Max Loan Term: 30 years

Min Contributions: 24 monthly Pag-IBIG contributions

Max Age: Not over 65 years old at time of application

Pag-IBIG Housing Loan Interest Rates

Loan Amount	Repricing Period	Interest Rate
PHP 450,000 and below	End of loan term (fixed)	5.375%
PHP 450,001 – PHP 750,000	End of loan term (fixed)	6.375%
PHP 750,001 – PHP 1,500,000	End of loan term (fixed)	6.625%
PHP 1,500,001 – PHP 2,500,000	3 years	7.375%
PHP 2,500,001 – PHP 6,000,000	3 years	8.375%

Rates are subject to change. Loans above PHP 1.5M are subject to repricing after 3 years based on prevailing rates.

Maximum Loanable Amount by Contribution Years

Years of Contribution	Max Loan Amount
2–4 years	PHP 500,000
5–9 years	PHP 1,000,000
10–14 years	PHP 2,000,000
15–19 years	PHP 4,000,000
20 years and above	PHP 6,000,000

Actual loan amount also depends on paying capacity, property appraisal value, and age at maturity.

Eligibility Requirements

Active Pag-IBIG member with at least 24 monthly contributions
Not more than 65 years old at the time of loan application
Must not have an existing Pag-IBIG housing loan or must have fully paid a previous one
Has legal capacity to acquire and encumber real property
Must not have had a Pag-IBIG housing loan that was foreclosed, canceled, or bought back

Document Requirements

Pag-IBIG Housing Loan Application Form (HQP-HLF-068)
Valid government-issued IDs (2 copies)
Proof of income (COE with compensation, ITR, or business permit)
Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT)
Tax Declaration and Tax Clearance
Lot plan and vicinity map
Contract to Sell or Deed of Absolute Sale

How to Apply

Ensure your Pag-IBIG membership is active and you have at least 24 monthly contributions. You can check your status through the Pag-IBIG Virtual Office.

Prepare Your Documents

Gather all required documents including valid IDs, proof of income, property documents, and the housing loan application form.

Submit Your Application

File your application online through the Pag-IBIG Virtual Office or submit in person at any Pag-IBIG branch. Pay the processing fee.

Wait for Appraisal & Credit Check

Pag-IBIG will conduct a property appraisal and credit investigation. This typically takes 20-30 business days.

Sign Loan Documents

Once approved, sign the loan and mortgage documents. The loan proceeds will be released to the seller or developer.

Worked Example

Scenario: You want to buy a PHP 2,000,000 house using a Pag-IBIG housing loan.

Property price: PHP 2,000,000
Down payment (20%): PHP 400,000
Loan amount: PHP 2,000,000 – PHP 400,000 = PHP 1,600,000
Interest rate (for loans up to PHP 1.75M): 5.375% per year
Loan term: 30 years (360 months)
Estimated monthly amortization: approximately PHP 8,963

This estimate uses a fixed 5.375% rate. For loans above PHP 1.5M, the rate is subject to repricing after 3 years based on prevailing Pag-IBIG rates. Use the home loan calculator for a detailed amortization schedule.

Estimate Your Monthly Payment

Use our home loan calculator to estimate monthly amortization for Pag-IBIG rates.

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