Pag-IBIG

Housing loan

Choose your situation to see the documents, cost and steps that apply to you.

Your situation

This covers a retail housing-loan application. Developer-assisted and subsidized projects have their own processing and eligibility rules.

Cost / amount:: Budget separately for application / appraisal, mortgage registration, insurance and any equity / transfer costs
Obtain the itemized Pag-IBIG assessment for this loan program before paying; an agent’s package is not the official fee schedule
Monthly amortization depends on the approved loan, term and repricing period
Current announced program ceiling: ₱10 million; your approved amount depends on income, appraisal and eligibility
Processing time:: Application, appraisal, approval and post-approval release are separate stages
A Notice of Approval is not yet loan release; title / mortgage and other release conditions must be completed
How to start:: Check eligibility and download the checklist for the exact loan purpose

Where to apply

The Pag-IBIG housing / mortgage-loan office handling the property, or its accepted online / developer-assisted channel. Confirm property jurisdiction before submission.

Find an office

Open the official housing-loan checklist

What to bring

Membership, age and repayment eligibility
Prepare the MID and savings record; the regular housing-loan program generally requires at least 24 monthly savings and checks age, income and other Pag-IBIG loan obligations.
Housing Loan Application, identity and income evidence
Prepare the current application, accepted IDs and the income documents for employment, self-employment or overseas work listed in the checklist. Include spouse / co-borrower documents where applicable.
Property title and tax records
TCT means Transfer Certificate of Title; CCT means Condominium Certificate of Title. Prepare the certified title, tax declaration and real-property-tax records specified for the property.
Contract to Sell / sale documents and property details
Prepare the signed sale agreement and the seller / developer documents required by the purchase checklist. Check title ownership, liens and available equity before committing payment.

How to apply

1
Confirm eligibility and the correct application route
Check the regular housing program versus developer-assisted / subsidized options; select the right purpose-specific checklist.
Open the official service
2
Submit the borrower and property documents
Submit through the housing office’s accepted channel and retain the acknowledgment and itemized assessment.
3
Complete appraisal and review the approval terms
Check the approved amount, interest / repricing period, term, insurance and required equity. The advertised maximum is not your approved loan.
4
Complete mortgage / release conditions and check repayments
Follow the Notice of Approval and release checklist. Keep title / mortgage registration evidence and obtain the first payment due date.

Sources for this situation

Help & contacts

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

Agency phone:: (02) 8724-4244
Email:: [email protected]

Find an office for this service Official office directory Official contacts

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

Pag-IBIG housing loan — official requirements

What to bring

Membership, age and repayment eligibility

Prepare the MID and savings record; the regular housing-loan program generally requires at least 24 monthly savings and checks age, income and other Pag-IBIG loan obligations.

Housing Loan Application, identity and income evidence

Prepare the current application, accepted IDs and the income documents for employment, self-employment or overseas work listed in the checklist. Include spouse / co-borrower documents where applicable.

Property title and tax records

TCT means Transfer Certificate of Title; CCT means Condominium Certificate of Title. Prepare the certified title, tax declaration and real-property-tax records specified for the property.

Contract to Sell / sale documents and property details

Prepare the signed sale agreement and the seller / developer documents required by the purchase checklist. Check title ownership, liens and available equity before committing payment.

How to apply

Confirm eligibility and the correct application route

Check the regular housing program versus developer-assisted / subsidized options; select the right purpose-specific checklist.

Open the official service

Submit the borrower and property documents

Submit through the housing office’s accepted channel and retain the acknowledgment and itemized assessment.

Complete appraisal and review the approval terms

Check the approved amount, interest / repricing period, term, insurance and required equity. The advertised maximum is not your approved loan.

Complete mortgage / release conditions and check repayments

Follow the Notice of Approval and release checklist. Keep title / mortgage registration evidence and obtain the first payment due date.