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Career Advice

How to Join Pag-Ibig

Date Posted: Jan 20, 2009

Stop Renting, join Pag-IBIG


In the kind of economy we have, purchasing a property or house costs a million pesos that is quite impossible to achieve. This is the main reason why most employee, particularly who came from different provinces, are just renting a room or house. Pag-IBIG aims to change the lives of all Filipino employees by helping them to have their own houses by becoming their member. Just like what Vice President Noli De Castro says “Bakit ka mangungupahan pa? Kung kaya mo namang magka-bahay na.”


How can I become a member?


All private and government employee who earns PhP4, 000 a month are entitled to become a member of Pag-IBIG. Those who are earning below PhP4, 000 are also welcome to apply as long as he/she passed the screening process. Overseas Contractual Workers (OCW), residents of and US and self-employed people can also be a member of Pag-IBIG.


What are my benefits as a Pag-IBIG member?


All PAG-IBIG members can apply for loans. One can apply for saving loans, short term loans and the housing loan. Housing Loan is advisable to all employees who are tired of renting a house. Pag-IBIG offers affordable houses or their new project called Rent-to-Own. Rent-to-Own houses are just like renting a house but you are definitely sure that the house will be yours after you completed the payment.


How much will be deducted?


If you are receiving P1, 500 or less, 1% of that amount will be deducted. For employees who are earning above P1, 500, the 2% of your salary will be deducted.


Am I eligible to borrow?


Everyone is eligible to borrow as long as you have obtained 24 months of contributing to Pag-IBIG. Must be not more that 64 years old and must be capable on paying the property. Pag-Ibig does background check to see if one is really capable of paying and if he/she does not have failure payments. One should also be a member of Pag-IBIG I and II program to be qualified. OCW’s should be Pag-IBIG Overseas program to qualify.


One of the worst effects of poverty is the increasing number of squatters in the city, which is also caused by the high cost of property. That is why, the government are building and developing housing programs to diminish the squatter area and to give all Filipino a decent yet affordable homes. For more information about the Pag-IBIG funds, kindly visit their site: www.pagibigfunds.gov.ph

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