Pag-IBIG

Calamity loan

Documents, costs and steps for this service.

Check whether your area and application fall within the applicable declaration and filing period.

Cost / amount:: Enhanced short-term loan ceiling: up to 90% of regular savings, less relevant outstanding loans and subject to repayment capacity
Published calamity-loan rate: 5.95% per year, including the applicable grace period
The approved limit uses savings, existing loan balances and capacity to pay; review the current offer before accepting
Processing time:: Processing begins with complete documents
release time depends on approval and disbursement.
Can start online:: Start on the official portal

Where to apply

Use Virtual Pag-IBIG when your account supports the transaction, or submit the complete application to a Pag-IBIG branch.

Calamity loan form HQP-SLF-066
Prepare one completed original and a photocopy of an accepted ID.
Proof of income and receiving account
Employee: employer-certified net pay or authenticated latest payslip. Self-employed/OFW: the relevant income proof and an accepted disbursement account.

1
Check savings and existing loans
Check 24 monthly savings or the permitted equivalent, a recent contribution and non-defaulting existing loans.
2
Check the declared calamity and deadline
Your area and filing date must be covered by an applicable declaration; an MPL does not require the same calamity qualification.
3
Complete form and income proof
Use the specific loan form; secure employer net-pay certification if employed.
4
Submit through an available channel
File at a Pag-IBIG branch, or use Virtual Pag-IBIG if your account supports the loan route; keep the reference.
5
Review approval, net proceeds and due dates
Read the current interest, deductions, repayment term and release account before accepting. Older downloaded forms may contain superseded limits.

These are agency support contacts. Your appointment confirmation identifies your receiving office.

National member helpdesk; confirm the designated receiving branch.

Official sources & guide details

Checking off a task does not submit an application. The listed scope and special cases determine which documents you need.

Guide reviewed: 2026-10-05

How to apply

Check savings and existing loans

Check 24 monthly savings or the permitted equivalent, a recent contribution and non-defaulting existing loans.

Check the declared calamity and deadline

Your area and filing date must be covered by an applicable declaration; an MPL does not require the same calamity qualification.

Complete form and income proof

Use the specific loan form; secure employer net-pay certification if employed.

Submit through an available channel

File at a Pag-IBIG branch, or use Virtual Pag-IBIG if your account supports the loan route; keep the reference.

Review approval, net proceeds and due dates

Read the current interest, deductions, repayment term and release account before accepting. Older downloaded forms may contain superseded limits.