In 1978, the PAG-IBIG, which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industria at Gobyerno, fund was established by virtue of Presidential Decree No. 1530. Now known as Home Development Mutual Fund or HDMF, the agency aims to address the need for national savings program and affordable shelter financing for Filipinos, including Overseas Filipino Workers, both land-based and seafarers.
PAG-IBIG offers several benefits to all its members. This includes:
- Savings through PAG-IBIG Savings I and Modified PAG-IBIG II Savings
- Short-Term Loan through its Multi-Purpose Loan
- Housing Loan, which has lower interest rates compared to banks and with more flexible payment terms of up to 30 years
Before you can enjoy these benefits, you need to be a member first. Once you become a member, contributions must be made religiously to be able to avail of any of these.
The good news is you can be a PAG-IBIG member easily. Here is a step-by-step procedure on how you can enroll as a new member with NO issued PAG-IBIG Membership ID or MID number:
Step 1: Visit the PAG-IBIG Fund Online Registration System
First things first. Make sure that your browser, Safari, Internet Explorer, Mozilla Firefox, and Google Chrome has the latest version. Otherwise, the system won’t work.
Once you ensured that your browser is up-to-date, go to PAG-IBIG’s Online Registration System website. You can visit it by clicking this link.
Step 2: Fill Out The Pre-Registration Form
Supply the information being asked. Make sure that your name is according to what was written in your birth certificate. Then, click Proceed.
At this point, the system will check if you already have an existing online account with PAG-IBIG. If there is no duplicate account, then you can proceed to the next step.
Step 3: Complete the PAG-IBIG Membership Form
This can be quite extensive. On this step, you will be asked to supply information such as:
- Name as how it appears in your birth certificate
- Mother’s maiden name, which you can see in your birth certificate
- Birthday and place of birth
- Government-issued ID numbers like TIN or SSS
- Spouse’s information
- Complete address
- Contact information like email address and mobile number
- Heirs, who will become your beneficiaries in case of death
- Employment information such as employer, employment status, and employment history
Before you click Submit Registration, make sure all of the information is correct and complete. You can click the Back button to go back to the previous tabs to make the necessary changes in your application form.
As soon as you’re done, click Submit Registration.
Step 4: Print The Member’s Data Form or MDF
Once you submit your online application form, it will display the Successful Registration Page. This informs you that you successfully registered with the HDMF Online System. Read the instructions carefully and take note of what you need to do to get your RTN.
RTN is important since you will use this as your reference when paying your contributions in lieu of your permanent PAG-IBIG number. Make sure to take note of this otherwise, contributions might not be credited to your name.
Then, click Print MDF. This will serve as proof that you registered with the PAG-IBIG system.
Step 5: Verify PAG-IBIG Number
After two working days, you can finally request for a permanent PAG-IBIG number. All you have to do is to send a text message in this format:
IDSTAT RTN BIRTHDATE in mm/dd/yyyy format
You can send it to 0917-8884363 for Globe and TM and 0918-8984363 for Smart, TNT, and Sun subscribers.
You may also call the PAG-IBIG hotline at 8-724-4244 to inquire regarding your PAG-IBIG number.
Tips To Remember When Registering Online:
- Make sure to provide correct and complete information when filling out the online application form. Incorrect information will lead to delay, which means you won’t be able to avail of the benefits.
- Take note of your RTN and PAG-IBIG ID number. This way, you are sure that the contributions you made will be credited to your name.
- Payment is not necessary. In fact, registering as a new member is for free.
- Don’t worry about documents. All you need is to fill out the application form to register as a new member.
The best part is OFWs can become PAG-IBIG members even if you are miles away. Convenient, don’t you think?