04/05/2026
APPLY FOR HOME LOAN๐
Thru Pag-IBIG Financing in partnership with APEC Homes๐ก
If youโre a member of the Philippine government agency Pag-IBIG Fund (also known as the Home Development Mutual Fund or HDMF), you may be eligible for a housing loan. Here are the steps to obtain a housing loan from Pag-IBIG Fund:
1. Ensure that you are eligible for a housing loan. To be eligible, you must:
-Be an active Pag-IBIG Fund member with at least 24 monthly contributions
-Have a legal capacity to acquire and encumber real property
-Not be more than 65 years old at the time of loan application and not more than 70 years old at loan maturity
-Have no outstanding Pag-IBIG Fund housing loan, either as a principal borrower or co-borrower
-Have no Pag-IBIG Fund housing loan that was foreclosed, cancelled, or bought back due to default
2. Attend a loan counseling session at a Pag-IBIG Fund branch. This session will help you understand the loan process, the loan products available, and the requirements needed for the loan application.
3. Submit the following requirements:
-Accomplished Pag-IBIG Fund Housing Loan Application form
-Membership Status Verification Slip (MSVS) obtained from Pag-IBIG Fund branch
-Proof of income (such as payslips, income tax returns, or a -Certificate of Employment and Compensation)
-Proof of identity (such as a valid government ID)
-Proof of billing (such as utility bills)
-Other documents, such as marriage certificate (if applicable) and special power of attorney (if applicable)
4. Wait for the loan approval. The Pag-IBIG Fund will evaluate your loan application and inform you of the result. If approved, you will be notified of the loan amount, interest rate, and loan terms.
5. Sign the loan documents. If you agree with the loan terms, you will need to sign the loan documents and pay the processing fee, documentary stamp tax, and other fees.
6. Claim the loan proceeds. Once the loan documents are processed, the loan proceeds will be released to you or your developer.
Remember that the housing loan process can take time, and the amount of the loan will depend on your income, loan purpose, and capacity to pay. Itโs important to consider these factors before applying for a housing loan to ensure that you can repay the loan on time.
