Pag-IBIG

Multi-purpose loan

Documents, costs and steps for this service.

Check contribution history, outstanding loans and repayment capacity with Pag-IBIG.

Cost / amount:: Enhanced short-term loan ceiling: up to 90% of regular savings, less relevant outstanding loans and subject to repayment capacity
Published MPL form: 10.5% yearly add-on, stated as equivalent to 17.5% on diminishing balance; compare the current disclosure before accepting
The amount is limited by regular savings, existing short-term loan balances and capacity to pay
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.

MPL form HQP-SLF-065
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
Complete form and income proof
Use the specific loan form; secure employer net-pay certification if employed.
3
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.
4
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 Older downloaded forms may contain superseded limits.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.

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.