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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Pag-IBIG Fund's account

Advertiser Disclosure

Pag-IBIG, a government-owned and managed Home Development Mutual Fund (HDMF), assists Filipinos in obtaining affordable home financing through an effective savings system. They may also be eligible for assistance if they cannot make regular mortgage loan payments through the home saver program.

The Pag-IBIG Fund's online service platform, the virtual Pag-IBIG, enables you to access the bank’s services. Any Filipino can open a Pag-IBIG account, regardless of whether they are government employees, overseas Filipino workers (OFWs), or temporary workers. To qualify, you must be at least 18 years old and no older than 65. You must also abide by established rules and regulations, including the contribution threshold and payment schedule. You can use a virtual Pag-IBIG to access the following features:

  • Get your permanent membership ID (MID) number when you sign up to become a Pag-IBIG Fund member.
  • Open and save in an MP2 (Modified Pag-IBIG II) savings account.
  • Claim your Pag-IBIG savings due to membership maturation, optional savings withdrawal, retirement at 65, or MP2 savings maturity.
  • View your savings account records, including the annual dividends earned.
  • View your Loyalty Card Plus account balance and transaction history for Asia United Bank (AUB) cards.
  • Apply for, check the status of, pay for, and examine your loan records for your Multipurpose, Calamity, or Home Equity Appreciation loans.
  • Save in your Pag-IBIG regular savings account.
  • Request an interest rate reduction on your house loan.
  • Chat with a customer care representative anytime to learn more and access the Pag-IBIG Fund features.

How to register a virtual Pag-IBIG account?

To create your virtual Pag-IBIG account using your Pag-IBIG Loyalty Card Plus, follow these steps:

  1. Visit the Pag-IBIG Fund website.
  2. Click on Virtual Pag-IBIG.
  3. Choose on the drop down menu whether you are joining as a member or employer. You must already have a member account if you are an employer.
  4. For members, click on Create Account, then Continue.
  5. Choose which method you want to use Pag-IBIG loyalty card plus, online activation, or account creation for overseas Filipino workers (OFWs).
  6. A new page will open, and enter all the required details.
  7. Click Submit and fill out the online registration form with the necessary information.
  8. Upload a clear photo of your passport or two readable primary identification cards.
  9. Upload your selfie picture while holding your passport showing the two valid identification cards you submitted.
  10. Click Submit.
  11. After successfully creating your Virtual Pag-IBIG account, you will receive an SMS as confirmation.
  12. Wait for a few days, and you will receive another SMS over the next few days informing you that your Virtual Pag-IBIG account has been activated and how you may access it.
  13. Log in and change your temporary password immediately.

How to restore access to virtual Pag-IBIG?

If you have lost access to your Pag-IBIG online banking account, you can reset your password online as follows:

  • Visit the Pag-IBIG website
  • Click on Virtual Pag-IBIG
  • Choose on the drop down menu whether you are joining as a member or employer
  • For members, click on Create Account, then Continue
  • Click on Login, then Continue
  • Click on Forgot password?
  • Enter your email address in the field provided
  • Click Verify
  • Answer the random security question
  • Pag-IBIG will restore your access and send you a temporary password via your registered email
  • Click Login on the Virtual Pag-IBIG Home page
  • Just below the Forget Password? Link, click on First Time Login
  • Click the Verify after entering your email address and the temporary password
  • Enter your new password, which must be at least 8 characters long and a combination of alphabets and numerals, and click Confirm
  • Log in to your virtual account with your new password

How to delete an account on virtual Pag-IBIG?

A Pag-IBIG account can only be deleted at the branch of your choice. A customer care representative will review your account details to ensure there are no outstanding loans and that you are retired. After account verification, you will be notified that your account has been deactivated.

Pag-IBIG Fund account

FAQ

Who can enroll in virtual Pag-IBIG?

You must be 18 years old and no older than 65 to enroll in virtual Pag Ibig. You must also follow the rules, such as the minimum contribution amount and the payment schedule. Furthermore, you can access many of Pag-IBIG Fund's services even if you do not have a Virtual Pag-IBIG account, but you must set up your account to take advantage of premium services and have your Pag-IBIG records saved safely.

How do I enroll in virtual Pag-IBIG?

Enrolling in Pag-IBIG is possible via the website, the mobile app, or by visiting a physical branch.

Is a Pag-IBIG loyalty card considered an ID?

No. Your Pag-IBIG Loyalty Card Plus is not a government-issued ID; it can only be used in Pag-IBIG Fund transactions.

How can I recover my forgotten or lost Pag-IBIG MID number?

You can regain access to your forgotten Pag-IBIG number by using the Virtual Pag-IBIG number verification service, connecting with a Lingkod Pag-IBIG service agent, or sending an email to contactus@pagibigfund.gov.ph. You can also contact the Pag-IBIG hotline at 724-4244 or visit your nearest Pag-IBIG branch from 8 A.M to 5 P.M, Monday through Friday.

Financial products

Pag-IBIG Fund
Calamity Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to 80% of total Pag-IBIG Regular Savings
Rate
i

Effective interest rate on the product

5.95% per year
Term
i

Loan term for the financial product

up to 36 months
Pag-IBIG Fund
Multi-Purpose Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to 80% of total Pag-IBIG Regular Savings
Rate
i

Effective interest rate on the product

10.5% per year
Term
i

Loan term for the financial product

up to 36 months
Pag-IBIG Fund
Pag-IBIG Housing Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to ₱6,000,000
Rate
i

Effective interest rate on the product

5.75% - 10% per year
Term
i

Loan term for the financial product

1 - 30 years
Pag-IBIG Fund
Pag-IBIG Loyalty Card Plus
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to up to ₱500,000

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Pag-IBIG Fund loan calculator

Calculate loan payments at Pag-IBIG Fund. Loans calculator will allow you to calculate an approximate payment schedule for the loan.

Pag-IBIG Fund calculator
Interest rates are given in accordance with the rates of the Pag-IBIG Fund in Manila as of 01.12.2022
Loan amount
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5000 ₱
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Loan term
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36
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What to pay attention to when applying for a loan at Pag-IBIG Fund?

Recommendations

What distinguishes Pag-IBIG Fund from a bank:

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