OFW’s Guide on How to Get a Housing Loan from PAG-IBIG

There are many reasons why you work abroad. At the end of the day, it’s about providing a better and secure life and future for your family. To achieve this, you have to put your money in the right investments, including a home you can call your own.

If OWWA has an OWWA Loan to help all Overseas Filipino Workers to put up their own business, PAG-IBIG has a Housing Loan designed specifically for every bagong bayani. 

Here’s what you should know about PAG-IBIG Home Loan eligibility, requirements, and everything in between:

Get to Know PAG-IBIG Home Loan for OFW

The Home Development Mutual Fund (HDMF) is a program of the government established to provide affordable housing loan schemes for OFWs. As a member of PAG-IBIG, you can borrow as much as P6 million, depending on your housing needs and your capacity to pay.

  • Keep in mind that the PAG-IBIG home loan is obtained for the purpose of acquiring a housing property, improving an existing unit, or refinancing an existing loan. The property can be a residential area, condominium unit, or unit that calls for further construction. Consequently, you can use the funds to pay for brand-new, previously mortgaged with HDMF, or under a rent-to-own program.

OFW as an Eligible Borrower

In case you want to avail of the Home Loan of PAG-IBIG, you should be able to present the following:

  • Employment Contract, with English translation if the contract is written in foreign language
  • Original Employer’s Certificate of Income. In case you don’t have the original, photocopy is acceptable provided it is duly validated and certified by HDMF Information Officer assigned in the country where you work.

PAG-IBIG Home Loan Requirements

Make sure you have the following documents when applying for a Home Loan:

  • PAG-IBIG Home Loan Form or Application with attached recent ID picture
  • Membership Status Verification Slip (must have remitted at least 24 months contribution or pay in lumpsum if you are a new member who wants to avail of housing loan)
  • Proof of Income such as employment contract, original employer’s certificate, or any other documents to prove such income as long as duly validated and certified by HDMF Information Officer assigned in the country where you work
  • Photocopy of one valid ID of the borrower. A photocopy of one valid ID is likewise required on spouse, co-borrower, or Attorney-in-Fact, whichever is applicable
  • Duly signed Authorization to Conduct Credit Background Investigation
  • If abroad, Special Power of Attorney notarized before the date of departure or duly certified and authenticated by the Philippine Embassy or Consulate in the country where you are working
  • Health Statement Form and Full Medical Examination for borrowers above 60 years old or loan amount of more than P2 million – This form is available at any PAG-IBIG Regional Branch, Members Services Support Division – Servicing Department if you are from Metro Manila, or downloadable online
  • Marriage Contract, if borrower is married
  • Certificate of No Marriage (CENOMAR), if you are single
  • Birth Certificate or any proof of relationship if you have co-borrowers

Apart from the documentary requirements, you also have to prepare the following technical requirements:

  • Certified true copy of the latest TCT/CCT by the Registry of Deeds
  • Location Plan and Vicinity Map of the property
  • Photocopy of Tax Declaration and latest Real Estate Tax Receipts

Depending on your loan purpose, you must also present the following requirements:

  • Purchase of Lot / Residential Unit – Contract to Sell or similar agreement between the buyer and seller
  • Construction of House / Home Improvement – Building plan and Specification and Bill of Materials signed by licensed architect or civil engineer
  • Refinancing – Statement of Account on outstanding loan balance and indicating loan purpose, and any of the following: official receipt for the last 12 months, valid proof of payment for the last 12 months, or subsidiary ledger

PAG-IBIG Home Loan Process

Here is a step-by-step procedure on how to apply for PAG-IBIG Home Loan:

1. Attend a Loan Counselling with a PAG-IBIG Information Officer in the PAG-IBIG Office near you.

2. Fill up application forms like Housing Loan Application (HLA) and Preliminary Loan Counseling Questionnaire (PLCQ). You will also be asked to fill up a medical questionnaire if you are above 60 years old or applying for a loan amounting to P2 million above.

3. Submit the required documents and pay the non-refundable fee of P1,000

4. PAG-IBIG will review your loan application within 20 days. This period will also cover property valuation and credit investigation.

5. If approved, you will received a Notice of Approval or Letter of Guaranty. You must give any of the documents to the property seller and pay the Capital Gains Tax (CGT) at the BIR within 90 days. A Certificate of Authorizing Registration (CAR) will be released upon payment of CGT.

6. Pay for the Transfer Tax in the local government where the property is located.

7. Proceed to the Registry of Deeds (RD) to transfer the title. An updated tax declaration and Occupancy Permit will be given by the Assessor’s Office and Engineering Office, respectively. In case you are using the funds for refinancing, present the Letter of Guaranty and Loan and Mortgage Agreement to the bank where the loan was initially coursed through before going to the Registry of Deeds for annotation on the title.

8. Submit the following documents to PAG-IBIG: Original TCT in the name of the borrower and with mortgage annotation on it, Deed of Absolute Sale with stamp from RD, new tax declaration in the name of the owner, updated Real Estate Tax receipts for land and improvement, Occupancy Permit, and Assignment of Loan Proceeds (will come from PAG-IBIG).

Now that you survived the documentation and loan process, make sure you pay the monthly amortization on time. Congratulations!

288 Replies to “OFW’s Guide on How to Get a Housing Loan from PAG-IBIG”

    1. Hi Niedy, you need to go directly to PAG-IBIG to avail of their Housing Loan. The procedure is stated at the end of the post 🙂 Thanks!

      1. •If abroad, Special Power of Attorney notarized before the date of departure or duly certified and authenticated by the Philippine Embassy or Consulate in the country where you are working

        Hello po.. pwde po paki elaborate. If nasa taiwan po panu at saan po ako pwde kumuha nito?

        1. Hi MG! The SPA must be notarized by a notary public IF the document was executed while you are still in the Philippines. Since you are in Taiwan, then the SPA must be notarized AND consularized with the Philippine Embassy to make the document valid and binding in the Philippines. You can get a copy of SPA online and edit it po according to your purpose 🙂 Hope we cleared this up 🙂

          1. hi po, ask lng, if ofw dito pa din po sa pilipinas mag aapply ng housing loan? or meron po pwedeng applyan sa ibang bansa?

          2. Hello! Dapat po nasa Pilipinas kasi mayroon mga documents na kailangan po ninyo pirmahan 🙂

          3. Im OFW SAN MAS maganda AT nakakatipid ,bumili ng bahay first or mag rent ng shop ?I plan to open small business but at the same time mag rent poh aq sa Manila

          4. Hi ALbie. That depends on your priority po. Whats important is that you prioritize something that you could consider yours 🙂

      2. Hello po good day! Ofw po ako,gusto ko po sana maghousing loan.kaso po matagal pa ang uwe ko.pwede po bang ang wife ko jan sa pilipinas ang magprocess ng housing loan ko kahit wala ako?salamat po

        1. Hi Albert! Yes po, that is possible. Please execute a Special Power of Attorney indicating that your wife will process loan application on your behalf. Since nasa abroad po kayo, dapat po ay consularized din sa Philippine Embassy ang SPA para maging valid dito sa Pilipinas. Salamat po!

          1. Hi Winston! Red ribbon from the Philippine Embassy. All documents na ginawa sa ibang bansa gaya ng SPA na gagamitin dito sa Pilipinas, dapat authenticated ng Philippine Embassy.

          1. Hi Alvin! You can execute a Special Power of Attorney assigning someone to act on your behalf. This will be easier para no need for consularization 🙂

      3. Hi po.I’m Pearl May tanong lang po. Ako,

        Kung halimbawa nakuha ko na contract ko sa agency, pde na ba ako mag apply ng housing loan?

        At In case na wla po akong makitang co borrower, ano po Kaya ung ibang requirements na pede ko ibgay in case na wla akong co borrower? Tnx po

        1. Hi Pearl! As long as complete na po ang requirements, you can apply for a Housing Loan with PAG-IBIG. You can present other assets like bank statements or investment if meron to help in the approval of your loan application 🙂

          1. Good afternoon Ms. Lara. Ask ko lng po when is the best time to apply for loan. Do we need to wait for the advise of the turn-over (in case of condo)? May validity ba ang mga required documents in case we will start processing them?

          2. Hi Nina. You can get a PAG-IBIG Housing Loan to finance the purchase of a condo unit. You just need to present Deed of Sale and other pertinent documents showing your capacity to loan.

      4. Hello, ask k lng po kung anu. ano po kailangan requirements sa housing loan pag ibig .balak Sana po ng aswa ko mg loan ng house thru pag ibig .paano po ba ang processo although nsa ibang bansa po si Mr k po. Puede po ba ang aswa maglakad sa process…

    2. Hi Ma’am, ofw po kami prehas ng mrs ko, umaabot po ng 26k ang monthly salary nmin so bali nsa 50k po. Posible po ba mkpgloan kami ng aabot na 800k something kht n ang value ng property nmin e halos 500k lang? Balak po kc nmin iparenovate ang bahay. Tnx po

      1. Hi Froilan,

        Hindi po kayo makakapagloan ng higit sa P500k dahil yun ang value ng property. Kadalasan, ang allowed loan value ay 60% to 80% ng assessed value ng property. Tinitignan din po ang capacity to pay ng borrower since magagamit din yun na basehan kung hanggang magkano lang ang mapapahiram.

        1. Hi good day,im also a seaman plano ko po mag loan sa pag ibig housing loan.yong lupa nkapangalan sa amin ng asawa ko pang collateral namin.umaabot sa 2.5 million ang materials ng bahay tapos sahod ko nasa 90k/month.magkano po ma avail ko na loan at ilang taon babayaran ang loan?pwedi din po ba asawa ko ang mag process habang nandito ako sa barko n ilang buwan bago ma approve n release yong loan?

          1. Hello Joseph. Apologies but we are not in a better position to make an estimate since we are not PAG-IBIG. Please contact them directly so they can give you a proper estimate. Thanks!

          2. Hellow po ask ko lang mam hal po naendo po sa work si borower ni pag ibig tas meron namn po cia remitance monthly and may extra income din po like direct selling bayad na po ang equity nia and inaantay nalang po na maipasok nila kay pag ibig ang loan ask ko lang po kung maaaprove po kaya ni pag ibig yun tnx po

          3. Hello Maria Lyn. If wala na po existing loan kay PAG-IBIG, maaari naman ma-aprubahan ang loan. Gayunpaman, hindi po kami affiliated with PAG-IBIG at baka may iba silang sagot sa tanong na ito. We recommend po na tumawag na lamang sa kanilang hotline at 724-4244 para mas mabigyan ng linaw ito. Salamat.

          4. Good day po.mais kopo sanang bumili pag lupa n tatayuan ng bahay Ung lupa po kc ay nagkakahalaga ng 1.6m. Naisip q kc kung s city aq bibili ng lupa ay maliit lang n lupa ung mabibili ng 1.6m. E pwede nmang aq kumuha. Ng 1 ha s halagang 1.6. Pwede q po bang i loan ito s pag ibig.pag ibig member din po aq 8 yrs pa lang po. Asa saudi po aq now. Salamat po

          5. Hello Gilbert. Yes, possible naman po yun. Pls take note of the requirements and process na kailangan gawin kapag kayo po ay maga-apply ng housing loan sa PAG-IBIG. Salamat.

    3. hi po, may bf ako seaman. gusto nya sana kumuha ng bahay at lupa thru pagibig para sa future namin. im not currently employed. may plans dn naman kmi magpakasal di lang masabi kelan pa. pwde ba ako mgprocess in his behalf? thanks.

      1. Hi Joy. Ideally, it should be the wife or any family member. Your boyfriend may execute a Special Power of Attorney, authorizing you to process the loan application in his behalf. Please confirm this with PAG-IBIG instead to be sure since we can’t speak on their behalf. Thanks!

        1. hello mam /sir ayi tanong ko lang po kung narelease na sa pag ibig ay mag hubulog na din po ba ako? housing at pag ibig po ba ang sabay na huhulugan ko?

          1. Hi April! Iba po ang hulog sa PAG-IBIG membership at iba din ang hulog sa Housing Loan 🙂 So yes, two separate payments po 🙂

    4. Paano mag aacquire ng housing loan o aattend sa counselling kung ofw nasa ibang bansa? Pwede po bang parents ang magasikaso?

      1. Hello TJ. As much as possible, it should be you, the principal borrower, who will attend counselling/seminar. We’re not sure if PAG-IBIG requires physical and personal appearance because surely, there will be documents needed for your signature.

    5. Hi,im currently working abroad and planning to take vacation next year.possible ba ko makapag apply ng housing loan para pang renovate ng bahay..pero yung lot sa father ko nakapangalan.. thanks

      1. Hi Maica! Yes, you can apply for a Housing Loan as long as you submit all documents. We’re just not sure if PAG-IBIG will require your father to be a signatory of the loan as well since sakanya nakapangalan ang property.

  1. Good day po.

    Seaman po ako. posible po bang i-loan ang buong selling price ng house and lot kung ang assessed na pwede kong i-loan ay mas mataas sa value ng property?

    Salamat po

    1. Hi Lemuel,

      As a rule, ang amount na pwede mo mai-loan ay hindi tataas sa value ng property. Karamihan ng lenders ay nagpapautang lang ng certain percentage ng property mo. Halimbawa, ang value ng property ay P100,000, ang loanable value ay 60% lamang nito.

  2. hi, ofw po ang mr q…at gusto nya po mgavail ng housing loan through pagibig…pero currently employed po xa…pwede po b n ako ang mgprocess ng application nya…

    1. Hi Jhade, pwede po ikaw ang mag-process as long as mayroon Special Power of Attorney authorizing you to transact on his behalf.

        1. Hi May! PAG-IBIG can be strict when it comes to requirements, so we highly suggest po that you accomplish all of the requirements before application. Otherwise, baka hindi din po nila tanggapin ang loan application ninyo. Salamat!

  3. Hi i’m currently working abroad, kumuha na misis ko ng property and currently paying on equity. gusto ko sana wife ko nlng magasikaso ng papers sa pinas para sa PAG-IBIG. May mga dapat din ba ko lakarin dito sa abroad? Regarding papers for pag ibig?

    1. Hi Ken,

      A Special Power of Attorney is required so that your wife can process the loan application on your behalf. Since you are abroad, it must be certified and authenticated by the Philippine Embassy.

  4. Hi, may on going po akong housing loan sa SSS at gusto ko po sanang maipaayos ito at makapagloan ng “Construction of House/Home Improvement” posible po ba? May isa pa akong bahay at pwede ko po naman i-collateral ang title non.

    1. Hi Louis,

      That could be possible. To verify, you may inquire directly from PAG-IBIG to check your membership status and whether you can avail of another loan despite the existing SSS Loan. Thanks!

  5. hi ofw po aq pano po kung ang price ng bahay ay 1 million at yun result ng appraise ng pag ibig ay mas mababa ,80 % only ng 1 million,me iba p bng paraan?ang plano q kase ay home improvement n din ang application ko s pag ibig,ang capacity to pay ko po ay mas malaki dahil po above 50k ang salary q monthly,,,possible po ba na khit mas mbaba ang appraise sa bahay e makakatulong yun capacity to pay ko?

    1. Hi Gener.

      Yung appraised value is just one factor para malaman ng lender kung hanggang magkano lang ang pwedeng ipahiram sayo. Kung maipapakita mo naman na may kapasidad ka na magbayad, maaaring bigyan ka ng mas mataas na loan amount.

  6. Hi my husband is ofw gusto sana namin mgloan sa pagibig ng pandagdag sana sa pangpagawa ng bahay . possible po kaya makapagloan kami . may lupa na bigay si father pagtatayuan ng house pero wala sa name namin since buhay pa si father . please help if possible?’o may way ba makapagloan ang ofw ng walang titulo ng lupa .. thank you

  7. Hi Maam Ayi. Ofw din po ako nakakabayad palang ako ng 6 months as ofw. Pero nagwork ako sa pinas less than 3 yrs ang nakakabyad nmn po ng contri every month ang comp.pwede po kayo ako makpagloan? And tanung pa po kung tataasan ko ang contri ko.mgiging benefits nia lng ba eh tataas lng ang maloloan ko?or depende p din sa month salry.salamat po maam sa reply.

    1. Hi Josua. We are not affiliated with PAG-IBIG so we are not in a position to answer anything. As to basis ng loan amount, tinitignan nila ang monthly salary at appraised value din ng property.

  8. Hi 15,000-20,000 lng poh monthly q…hanggang mga mgkano po b ang house n pwedeng iloan q..?
    Thanks po

    1. Hi Susana. It would depend sa lender since there are other factors to consider like credit rating or appraised value ng property.

  9. Good day po,
    Kumuha po ako ng condo unit. 2years napo ako nagbabayad sa inhouse financing nila. 2times na ako ngsubmit ng requirements sa kanila para maprocess na condo ko for pag.ibig. pero lagi sila may dahilan. Una nawala daw yung papers ko na binigay ko sa kanila. Pangalawa, kailangan daw nandito ako sa pinas kasi dami daw pipirmahan. Ngayon naman na nauwi na ako. Nagsubmit ulit ako ng papers at nung ngfollow.up ako nawala na naman yung papers daw namin. Kaya nagwala na asawa ko sa pagtawag sa kanila. B4 the day ends. Tumawag sila na nakita daw nila papers ko. Nd ngayon rason naman nila na hindi na naman daw maiprocess kasi kailangan daw recent contract nd wages ko. Di daw po pwede yung last na sakay ko. Seaferer po ako. Ano po pwede ko gawin para mailipat ko condo ko sa pag ibig b4 ako sasampa ulit?

    1. Hi Darwin. Latest employment contract ang kailangan ng PAG-IBIG para ma-grant ang Housing Loan since kailangan nila masiguro na makakapag-bayad kayo. Gayunpaman, we suggest na kumunsulta po sa PAG-IBIG mismo since sila po ang mas makakaalam at para mabigyan nila kayo ng kumpletong requirements na kailangan i-submit sakanila. Salamat.

  10. Hello po, ask ko po ofw po aq dto sa KSA .. pwd po ba ako mka pag loan ng 200k .. pra lng po sa house construction,. my lot n po aq kso po ung lot ko wala po syang title.. hnd po kc nasa subdivision ung lot .

  11. Hi ma’am, Ako po si Roger Maco (OFW) gusto ko pong magloan ng housing thrue pag ibig, ano po ba unang step na gagawin ko andito kasi ako sa Saudi, pwede po ba yung asawa ko ang magaayos ng mga ducument na kakailanganin na requirment. At hanggang magkano ba ang pede maloan sa pagibig housing loan.

    1. Hi Roger. Kinakailangan ng SPA na consularized ng Philippine Embassy kung nais mo na ang asawa mo ang mag-process ng loan application. Gayunpaman, maaaring tumawag sa PAG-IBIG upang matiyak kung papayagan nila ang SPA para maka-avail kayo ng loan. Dun naman sa magkano ang pwedeng mai-loan, depende po yan sa inyong monthly salary at assessed value ng property. Salamat.

    2. Good day po, mam I’m 8month ofw here in sg. Pero bgo ako umalis NG pilipinas kumuha po ako NG bahay under pagibig at nkpagpsa NG requirements. Now I’m her in sg as helper, nag hiningian po ako ulit NG requirements NG pag ibig? Anu po b ang dpat Kong gwin? At anu ung mga requirements pra po ang father ko ang mag asikaso? At pwd rin po b n father ko ang mag update NG contribution ko s pag ibig??

      1. Hi Melissa. Mag-execute po kayo ng Special Power of Attorney, authorizing ang father ninyo to transact on your behalf. Baka po kaya hiningan kayo ng requirements is because nag-aaply kayo ng housing loan as OFW na po.

  12. Ofw po aq gosto ko po magloan para po sa lupa ko ang halaga po ng lupa ko ay 360k po tapos po gosto ko po pagawaan ng bahay ung hanggng magaknu po kaya ang pede kong i loan hindi parin po aq nkakapaghulog sa pag ibig hindi pa aq member..at panu ko po malalakad narito po aq sa ibang bansa..ang asawa ko po papunta rin ng ibang bansa..anu po ang pwede kong gawin..

    1. Hi Joselyn. Ang halaga na maaari mong ma-loan ay depende sa iyong monthly income at ang value ng lupa. Required po na active member ka ng PAG-IBIG kung nais mo mag-apply sakanila ng Housing Loan. Gayunpaman, Balikbayad ay maaaring makatulong sayo dito, ngunit kinakailangan namin ng personal appearance sapagkat mayroong mga dokumento na dapat kang pirmahan.

  13. hello po, kung married po ba kaylangan pareho pipirma and both side for housing loan, (wife and husband) kasi po hiwalay po kami ng asawa for almost 11 yrs na pero wala po kaming papel ng legal separation, gusto ko po kasi mg loan ng bahay para sa anak ko,thank you po

    1. It depends kung kanino nakapangalan ang property. If sa husband and wife or nakalagay na “married to,” both must sign. If sayo lang nakapangalan, no need for the husband to sign.

  14. Hello po miss Ayi ask ko lang po 3yrs na pong seaman husband ko gusto po nya mag housing loan. Meron po kaming 600sqmeter land. And gusto po nmin malaman kung dun po ba sa collateral ibased ang amount ng loan nya or pwedi din po sa salary? And second option po is bumili ng house and lot pano po ang process ? Thankyou po Godbless

    1. Hi Prency. The loanable amount will depend on the assessed value ng property, credit score ng borrower, and monthly income.

  15. Hi?

    My mom is currently an ofw in singapore and she wants to make house loan in pag ibig in my behalf as her son. Could that be possible?

    Thank you

    1. Hi Ana. We are not sure since the loanable amount will depend on several factors (assessed value of asset, credit score, etc.)

  16. hi seaman po ako, may ibibigay pong lupa sa kin ang mother ko kaso hndi po sa kin nakapangalan pa ung lupa. plano ko sana magloan for construction /ofw loan. possible ba ko maapprobahan kahit hnd sa kin nakapangalan ung lupa?

    1. Hi Liam. Ideally, dapat sayo nakapangalan ang lupa. Otherwise, your mother has to sign collateral documents too since under her name ang guarantee.

  17. Hi mam. My husband is an ofw. Automatic member na po ba siya? He’s in saudi right now. Saan po sia pwede mag pa-member doon. Thanks po

    1. Hi. Not exactly. You need to pay for membership fees sa OWWA to be a member. He can check with the Philippine Embassy if may OWWA in-charged.

  18. Hi maam ayl, ofw po ako dito sa maldives single next month uwi po ako pinas process ng Pag Ibig loan ano po dapat kylangan kong kunin sa employer dto sa maldives para ma grant yung loan ko.? 25k po salary ko dto nasa 3M po halaga ng lupa ng papa ko. at ano katagal po ang processing? since one moth vacation lng ako .

    1. Hi Sheiryln. Please prepare yung Contract of Employment mo. Processing will depend on PAG-IBIG, pero maigi nalang na pag-uwi mo, maiprocess na ang loan application then you can assign someone to transact on your behalf through Special Power of Attorney.

  19. Wala din nmang kwenta ang OWWA,kaya nga magloloan para magkaproperty eh kung anu anung mga requirements na kailangan,sinung tao ang magpapahiram ng titulo ng lupa as collateral sa iloloan mo sa OWWA,kung wala kang titulo na isusubmit sa knila hindi karin pagbibigyan ng OWWA.

    1. Hi Beng. We understand your frustration against OWWA. Unfortunately, that’s their requirements. Even banks will require the land as a collateral if you plan to get a loan from them. If you want a lender with less stringent requirements, you can consider private lenders like us. We’re here to help!

  20. hi, im ofw here in qatar,, i just started contributing last march 2017. it is possible if i pay the 2 years on lump sum and can i avail the housing loan? and im married but im separated already with my husband but not legally. do i still need to give a marriage certificate? and how about for the co-borrower? thanks hoping for your reply/

    1. Hi, you can avail of the housing loan as long as you meet the requirements enumerated by PAG-IBIG. If the property is registered under your name and husband, you will still need his permission every time you apply for a loan. There must be a judicial decree of separation before they consider you legally separated. Yung co-borrower, it will help in the approval of your loan.

  21. Hi Ms. Ayl. To avail a pagibig housing loan mandatory ba na ang lupa ay nakapangalan na sa borrower? Paid completely na kasi yung lot pero till now hindi pa transfer sa pangalan ko at under process pa sa developer yung transfer of title.

    At regarding sa balikbayad, questions po as follows:
    1. 18months lang ba talaga ang max term?
    2. How competitive po ang rates ninyo compare sa pag-ibig at banks?

    Thanks in advance Ayl. More power

  22. Ofw ang asawa ko.. mag loan sana kmi. Ung SPA ba need ko munang pirmahan d2 bago ko ipadala sa kanya. O pwede bang ipanotario nya n un sa phil embassy na wala kong pirma.

    1. Kailangan po napirmahan niyo na. Hindi po ino-notaryo ang dokumento kung kulang ang signatures na kailangan sa dokumento.

  23. Hi pwede ko po ba iloan ung bahay namin na nakapangalan sa mother ko pero di na nya nababayaran na halos 1 0yrs na…plan ko sana kami ng sister ko parehas ofw magloan sa pagibig dun sa bahay…parehas kami single ng kapatid ko…sya bali gagawin ko coborrower..para samin pa din mapunta bahay..

  24. Hello po,,, I am ofw here in Taiwan,, ilang taon ba makapag contribute, na pwede ng mag load ng pabahay? Kasi ofw may contract cya 3years at renew lang kung gusto pa.

  25. Hello po Ma’am Ayl. I’m an ofw currently working. Tanong ko lang pwede po bang maka avail ng housing loan for home improvement, kaso ung bahay at lupa ay naka pangalan sa parents ko at buhay pa sila. Gusto ko sana ipa renovate. Thanks po.

    1. Hi Claire. PAG-IBIG will require the consent and signature of your parents since they are the registered owners of the property.

  26. hi, we’re going to apply po sana for a house contruction sa pag ibig. just want to know if you have any idea if yung check na approved loan amount is irerelease in full one time or installment din? thanksye

  27. Pareho po kaming ofw ng mister ko pwede po ba kami mag loan ng house and lot sa pag ibig kahit nasa ibang bansa po kami? Member po ako ang pag ibig at nabayaran napo yung down payment sa lupa. Pwede po ba ung parents ko lang ang mag ayos dyan gamit ang SPA galing sa phil consul dto? Thanks po

    1. You can apply as long as you meet all the requirements, especially the Membership Verification Status. SPA is also required if you cannot personally appear.

  28. Good evening po, maginquired po sana q nsa korea po asawa q ngaun kakaAtend nya lng po s seminar ng pag ibig with owwa s jeju, dun nya po nlaman n od magloan kaso dnya po amsyado naintindihan ung process at qualification,1yr. N po xa s korea 60k-up po monthly income nya, makakapagloan po ba xa ,.500-600k po amount estimated sa paapgawa nmn bahay,ang prob po wala po title ung land nmn declaration of partition lng ng land,s parents q po ung land s tabi ng house nila kmi papagawa bahay,pd po b un s required n magloloan..thanks po

    1. If member siya sa PAGIBIG and all the requirements are complied with, pwede naman po mag-apply. But PAGIBIG might require na yung property is under your name. Also, there is no assurance na pwede ma-grant ang 500 to 600K loan since depende po yan sa capacity to pay ng borrower.

  29. Good day mam. Ofw po aq. May binabayaran po aqng housing loan thru inhouse finansing (10 years to pay) im on my 6years na po na nagbabayad. Pwede po ba aq mag pagibig housing loan to finance my current housing loan.
    Thank you

  30. Hi Mam,

    Me and my hubby are both OFW working overseas right now..we plan to apply for a housing loan since may property kami na binili before..we paid full na po sa dp and partial equity kaso may remaining pa na more than a million peso na need ifinance.. how can we apply po when we’re both overseas?

    Appreaciate your response…

    Thank you

    1. PAG-IBIG might require physical presence to be able to process your loan. We suggest that you take advantage of your vacation in the Philippines by applying for a loan hen execute SPA to assign someone to transact on your behalf.

  31. Pwede po ba magloan na iba ang purpose, ofw po ako 49months active member of pag-ibig and an ofw nurse. Gusto ko po sana magloan and paano kung ang husband ko ang maglakad. thank you

  32. Hi Ma’am OFW po ako, may i ask,what if my salary is 30,000 pesos and the amount of the house is 800,000 pesos thru pagibig acquired assets.
    Magkano po ang pwede ko ma-loan sa pagibig?
    Thanks po.
    God Bless

    1. We can’t give you an estimate since we are not PAG-IBIG. Also, there are several factors that PAG-IBIG considers to determine the loanable value. We suggest po that you contact the agency directly since they are in a better position to make an estimate.

  33. Good day sir/maam..i’m an ofw est.salary is 70k.i want to buy a pre-owned house n lot est 80sqm worth 2.2m..can i loan exactly 2.2m?hoping 4 ir reply..thanks

    1. Hi, there is no assurance that the bank can extend credit at P2.2Mn. Marami po kasi dapat i-consider gaya ng credit history, capacity to pay, assessed value ng propert among others.

    1. Hi, PAG-IBIG follow certain rules and requirements when it comes to their Housing Loan facility. We suggest that you consult directly with PAG-IBIG employees since they are more familiar with their procedure and process. Thanks!

        1. Hello Ega. We’re sorry, but proper documentation is needed to be able to avail of loan facilities not just from the government but lenders in general. You will be asked to submit documents like Overseas Employment Contract and passport with working visa to ensure your OFW status.

  34. Hi,my husband is an OFW.balak po namin magloan para makapagpatayo ng bahay.our situation is,yung lupa is sa mom ko and nakamortgage pa rin po sa pag ibig currently pero updated ang bayad monthly,possible po kaya na mpatayuan po namin ng bahay yun yung lupa?

    Thank you po😊

    1. Hi, this concern can be directly addressed by PAG-IBIG. We don’t want to give out any information that we’re not sure of, which is why we highly suggest to raise this concern with any PAG-IBIG employees who handle Housing Loan.You may call them at (02)-4223000. Thanks!

  35. Gud day! Ask ko lng if pwede mag housing loan sister ko na ofw kahit sa tatay namin nakapangalan ang titulo ng lupa at ako magiging co borrower niya? Thanks

    1. Hi Merissa. That is allowed, although from what we know, your father will always be asked to sign the collateral documents since sa kanya nakapangalan ang lupa. Please confirm this directly with PAG-IBIG, since they might have guidelines on their Housing Loan, which are not included in the post. Thanks!

  36. Hi po ask ko lang pwde po ba iloan ko din yung 20% deposit pag nag housing loan ako? Ofw po ako. Kasi kuha kami ng housing loan combine salary po kami ng asawa ko so kung pwde yung 20% deposit pede din iloan. Thank you po

    1. Hi Aloy. The purpose of PAG-IBIG Housing Loan for OFWs is to finance the acquisition of property or home renovation. We’re not sure if papayagan ng PAG-IBIG ang purpose na i-finance ang pang-deposit. It is best to confirm this with PAG-IBIG para makasigurado. Thanks!

  37. Hi good afternoon my father is a ofw ..we plan to get housing loan may pagibig sya but may pending pa sya n loan ..possible ba n pag ibig ko yung gagamitin but im not currentl employed .?

    1. Hi Kristine. That would be up to PAG-IBIG since they will be the one assessing your loan application. Nonetheless, take note that employment is essential para ma-approve ang loan since lenders need “assurance” that they will be paid. We cannot specifically answer if papayagan ni PAG-IBIG na gamitin ang iyong account on behalf of your father, so we suggest that you call them directly regarding this matter at (02) 724-4244.

  38. Ask ko lng po,,gusto ko kumuha ng house nd lot s acquired asset s pag ibig, makakakuha pa din po ba ko khit d me nakakapag hulog na pero member po ko nung nsa pinas pa ko ng work,, gusto ko kc icash??

    1. Hello Welmer. From what we know, may required number of contributions sa PAG-IBIG (24 months, if we’re not mistaken) that will allow you to get a Housing Loan. You can update your contributions first para ma-process and iyong housing loan application. Salamat.

  39. Hello.. May plan po kame kumuha sa rent to own then thru pag ibig po, kaso ung husband q ung magaaply ng loan sa pag ibig and wala po xa now sa pinas, seaman po kac xa.. Pano po un? Tia..

    1. Hello Bhevz. Required po ang husband ninyo na mag-sign ng loan documents since he will be the borrower. You can prepare the necessary documents and process it once nandito na ang asawa mo or if may pagkakataon na makakauwi siya. Otherwise, you have to execute a Special Power of Attorney (must be notarized and consularized) so that you can process the loan application on your husband’s behalf. However, we are not sure if PAG-IBIG will allow this so it’s best to contact them directly. Thanks!

  40. Tanong ko lang po kung pwede ba ako mag housing loan kahit hiwalay na kami ng asawa ko at di ko na sya gagawing co borrower? Pwede ba sister? At kung halimbawa po kaya meron previous housing loan sa pagibig pero dina nabayaran 15yrs ago paano kaya ang gagawin pra makapagloan ulit? Advance Thanks po sa sagot .

    1. Hello Luz. In case mayroon kayong existing loan, PAG-IBIG will require you to settle this first bago po kayo makapag-apply ulit ng panibagong housing loan. Otherwise, baka po hindi ma-process ang inyong application. Regarding sister as co-borrower, pwede naman po.

  41. Hi po member n po ako ng pagibig 6 years kaso n stop kasi ng resign ako s work tapos ngayon po ng abroad ako ang concern ko po need ko po ba I update yun contribution ko para mkpg avail ako ng bhy.

    1. Hello Joy. Yes, required po na updated ang contributions sa PAG-IBIG upang ma-enjoy ninyo ang mga benepisyo na hatid para sainyo. We’re just not sure as to the computation, so we suggest you go directly to them to check the status of your membership. Thanks!

  42. ask ko po kung pwde po ako makapag loan ng construction loan? two years pa lang po kmi nakakapag hulog ng monthly mortgage, in house po sya 10 years to pay po.

  43. May mpl loan ako 12 thousands, at hindi Rin ako naka contribute mg 20months, pero babayaran ko ng buo pati contribution, makaka loan Po ba ako?

  44. Good day!

    More than 8 years na akong member ng PAG-IBIG, until now continues ang payment ko. Ang salary ko umaabot ng PHP110,000, nagpapagawa ako ng bahay almost 50% na ung nagagawa. I am planning na magloan ng magamit ko naman ung pagiging myembro ko. Kaya lang ang pag-aayos ng papers ang di kakayanin ng oras almost 2 weeks lang kasi ako lagi sa pilipinas. May iba bang option sa dami ng requirements. At gaano kalaki ang pwde kong maloan.?

    1. Hi Jerome. These requirements were set forth by PAG-IBIG, which means required po talaga siya i-submit. What you can do po is to prepare all of the documents para isang puntahan na lang sa PAG-IBIG office. You can also assign someone to act on your behalf by executing a Special Power of Attorney (mas maganda kapag dito na nagawa at na-notaryo ang SPA). Ngunit, kailangan parin ang physical presence mo since kayo ang principal borrower. As to the amount of loan, maximum of P6 million, but this will depend on your credit history and capacity to pay. Hope this helps!

  45. Good morning! Asq ko lang po member po ako ng pag ibig,ngaun po 4 years na po ako dito sa maldives,kumuha po ako ng bahay at gusto ko ipasok sa pag ibig ,pero bago ako umalis ng bansa hindi ako naka pag change status n ofw,ngaun Po mama ko ung Inutusan ko magpa change ng status ko,ok naman po nk change status na po ako as POP OFW,ngaun Po sabi sa office n kinuhaan ko Ng bahay kailangan ko dw po I transfer ung mga hulog ko dati sa mga company n pinasukan ko para maging qualified ako maka loan sa pag ibig, kailangan ko dw po mag hintay ng 4 months para m transfer po lahat,,ngaun po tanong ko lang Kung pwede n bayaran ko nalang ung 24 months n payment para m avail ko ung housing loan at hindi kona hintayin m transfer ung mga dati kong hulog,pwede po b un?ano po ba ang dapat kong gawin ?ano po b Ang dapat ko bayaran para maipasok ko ung bahay ko sa pag ibig, San po b ako pwede mag bayad para hindi matagalan,tapos n Po kc ung bahay ko un nalang kailangan ko,,Sana po masagot mga tanong ko..,,thanks .

    1. Hello Elen Joy, as much as gusto namin makatulong, hindi po namin kaya sagutin ito bilang hindi po kami PAG-IBIG. Mahirap din po na magbigay kami ng advice dahil hindi din po kami sigurado dito. You can call at (02) 724-4244 or (02) 422-3000

  46. hi. dalawa po ang tanong ko.
    1. nandito po ako sa abroad ngayon at gusto ko po mag-loan pwede po ba ang mother ko ang mag-process?
    2. purpose po ng loan ko ay para sa lote at patayo ng bahay. Pwede po kaya yun?

    1. Hi Eva! That is possible naman po as long as complete ang requirements and you will submit a notarized and consularized SPA (with the help of Philippine Embassy). However, some lenders require physical appearance since you will sign documents and we’re not sure if PAG-IBIG will require physical appearance as well. To be sure, you can call them at (02)724-4244 or email them at contactus@pagibigfund.gov.ph

    1. Hello Rodlin. PAG-IBIG is more equipped in handling matters such as this since this is their forte. As much as we want to help, we are only here to provide information that could be helpful for OFWs as well as offer business loans. You may contact PAG-IBIG through their direct line at (02)724-4244. Thanks!

  47. Magandang araw po.. Ask lang po kung may change po ba na bahay na for closed na almost a year gusto sana ipatuloy sana matulong po nyo ako ofw na po ako ngayon… Ano po gagawin ko di ko kaya ang spot cash na more than 1 million.. Sana po my advice kayu sa akin bako poyde po ako maka avail sa program nyo ngayon.. Maraming salamat.. God bless po.

    1. Maam! Gud day Po. Puede po makapagtanong?kasi Kay problema ako, Member Po ako ng Pag ibig Mula pa ng 2009 at nakapag Seminar na dati.sabi nila After 2 years puede ng mag loan.pero bakit nong magloloan na ako ng house & lot ay hinde daw puede dahil wala akong trabaho.sabi ko dati may trabaho ako pero nag stop ako .self employed po nakalagay .pero bakit naman ganon dapat nong nag apply ako sinabi na nila .dapat yon kasi nakalagay naman po Doon na Housewife.at dapat hinde nila tinanggap ang application ko Diba Po?kasi nakalagay DIN german citizen ang passport ko pero tinanggap nila.ano ang dapat ko pong gawin,kc ngayon may loan ako sa pag ibig na house and lot pero nakapangalan po ito sa pamangkin ko,at gusto ko nang mailipat po ito sa name ko dahil ang gulo .sa ngayon po tuloy tuloy ang monthly ko sa pagbayad ng 500peso.sana po matulungan nyo po ako please Maam.na how come mailipat ko sa name ang bahay,yon po maraming salamat aasahan ko po soon ang response nyo thank you Po.

      1. Hi! Isa po sa mga requirements na tinitignan ni PAG-IBIG ay ang capacity to pay. Kung nilagay ninyo na self-employed, dapat po ay may pruweba kayo na maipapakita na kumikita kayo ng ganitong amount buwan-buwan. Nais nila masigurado na mababayaran kaya kailangan mo maipakita ninyo na mayroon kayong pinagkakakitaan.

  48. Hello,

    Ask lang po. kakatapos ko lang po mag process ng mga requirements para sa housing loan ko thru Pag-IBIG. Bale kumuha ako ng isang house and lot sa town namin through an agent. Pumunta po kami sa Pag-IBIG para ipaverify lahat ng requirements at okay naman na. Gumawa din ako ng SPA for my father para sya na ang pipirma pag wala ako. Now im back here in abroad, ang tanong ko lang po, gaano katagal ako maghahantay para malaman ko kung pwede na tirhan yung bahay? Kasi ang sabi ng agent ko depende daw sa Pag-IBIG which is based sa mga nabasa ko parang 17 days lang ang processing. Pero when I ask my agent, sabi nya hindi naman daw ganun talaga ang nangyayari, kaya naguguluhan daw yung mga ibang borrower. Please advise po kung paano ko malalaman.
    Thanks in advance.

    1. Hello Albert. There should be a proper turnover of the property para matirhan na ng bagong owner. The best person who can answer this is your agent since siya po ang nag-process ng mga requirements for the sale of the property. We have no way of knowing since we are not PAG-IBIG as well 🙂 Thanks!

  49. Hi, tanong ko lang po may lupa po kmi pero subject pa sya for title I mean on process ang title dahil award sya ng govt for us. Gusto ko po sya patayuan ng bahay at nung nag estimate kmi nasa 2M daw. Panu po kayo makakatulong at magkano po ang professional fee nyo? Im OFW in Qatar… We have condo units po na pwd icollateral…

    1. Hi Leah! Apparently, we are not PAG-IBIG. We merely wrote this post to share info for OFWs like you 🙂 If gusto niyo po ipasok sa PAG-IBIG Housing Loan, then you can submit all the requirements as stated in this post para ma-process ang inyong application 🙂

  50. Hello po good isa po akong seaman 33yrs old ngsimula na po ako magbayad ng equity q good for 24months bali 20percent po sya sa price ng bahay yung 80percent ba nun pwd q ma apply sa pag ibig ng housing loan,bali nasa 2.4m pa xa salamat po and god bless.

    1. Hi Michael! Are you a member of PAG-IBIG with at least 24 months-worth of contribution? If yes, you could qualify for this kind of Housing Loan as long as you meet all the requirements enumerated in this post. God bless you too!

  51. Hi po..magtatanong sana ako kung pwede magloan ng pandagdag gastos para sa pagpapatayo ng bahay pero ung property po nmin is affidavit of consent lng ng nagmamay ari….ofw po ung husband ko

    1. Hello Janet! Hindi po kami sigurado kung papayagan po ito ng PAG_IBIG bilang hindi po sainyo nakapangalan ang titulo ng property.

    1. Hello Sha! To avail of a Housing Loan sa PAG-IBIG, dapat po ang borrower ay member din po ng PAG-IBIG with at least 24 months contribution. Maaari parin makapag-loan sa PAG-IBIG, kung magme-member ang inyong tita at babayaran in full ang equivalent na 24 months contribution. Salamat!

  52. Hi I’m currently working in Qatar as a nurse and my salary is around 50k. Gusto ko po sana magapply ng loan para iparenovate un house namin sa pasig city na ang titulo nakapangalan sa nanay ko. Is there a way na makapagprocess ng Loan dito po sa Qatar?

    1. Hi Joyce! PAG-IBIG might require personal appearance since you will be asked to sign documents as a principal borrower. Kung hindi naman maaari, your mother can apply for a HOusing Loan with PAG-IBIG since sakanya din po nakapangalan ang titulo and then ikaw nalang maghuhulog every month 🙂 You can confirm also yung tamang proseso with PAG-IBIG by sending them an email at contactus@pagibigfund.gov.ph 🙂

  53. im OFW po currently paying monthly sa house po located tanza cavite wellington residence medyo mabigat po kasi bank to bank ang payment procedure gusto ko poh sanang mag loan sa pag ibig for assistance mga 2 years mahigit na poh akong naghuhulog gusto koh poh sanang magdagdag ng another 5 years for payment contract through pag ibig loan sana po mabigyan nyo po ako ng or even 10 years if possible.

    Best Regards,

  54. Mam gud pm po…tanong ko lang pagnagfile ba ang isang developer sa pag ibig kailangan ba ang contract to sell para maifile ito sa pag ibig…….kasi po yong nangyari sa unit k ay bininta sa akin ang unit kinansel po yong Notice of approval nya at magfile ng panibagong loan ang ang developer under sa pangalan ko……hanggan ngayon la.pa ako napirmahan na contract to sell….pwd ba mag file ang developer na walang contract t sell na pinirmahan ang isang buyer? Tnx po sa sagot

    1. Hi Glenn! Maaaring ang nangyari dito is umutang si developer kay PAG-IBIG upang maipatayo ang units. Contract to Sell ang kadalasan na ginagamit na dokumento hanggat hindi pa nababayaran ng buo ang unit. Once nagkaroon ng kaliwaan kung saan nakapagbayad na kayo, Contract of Sale or Deed of Absolute Sale ang dapat ninyong mapirmahan. Makipag-ugnayan din po kayo sa inyong developer for follow-up ng status ng inyong ownership over the unit. Salamat.

  55. Hi. Meron kami kinuha na CondoHomes sa Camella tinanong ko kung meron pag-ibig loan sabi nila wala daw bank financing lang at in-house. If ever, pwede po ba kami mag-loan ng cash para pambayad sa condo? Magkano po ang cash na pwedeng ma-loan? Thanks!

    1. Hi Eeyah. You want to apply for a Housing Loan with PAG-IBIG? That’s possible naman po as long as you submit all of the requirements. Regarding the amount na maipapahiram sainyo, that depends po on your presented proof of income, value of the property, etc.

  56. good day po. pina assume kase ng tatay ko yung housing loan nya, ngayun me balance pa atang 200K. Balak ko sanang kumuha ng bahay sa tanza Istana or Amaya para sa aking sariling pamilya, maari po ba akong maaprubahan? please advise..50K up po monthly salary ko, OFW po.

    1. Hi Christian! This is up to PAG-IBIG already since sila po ang mag-a-assess ng inyong loan application. Siguraduhin po lamang na kumpleto ang requirements na isu-submit para po mas mapabilis ang pag-proseso sa inyong application. Salamat po!

  57. Hello po . Im currently working po here in vietnam and im a member of pag ibig.. pwedi po ba ako makapagloan pag uwi ko ng pinas at tapos na kontrata ko dito sa vietnam? Almost 2 yrs na po ako nagbabayad ng contribution ko sa pag ibig. Pwedi pa rin po ba ako makapag loan if ex-abroad na po. And regards po sa requirements . Maiiba na po ba requirements nyan if ex abroad na? Plano ko po kasi magloan pagkauwi ko ..

    1. Hi Caselyn! Yes, you can apply for a Home Loan from PAG-IBIG since continuous naman po ang inyong contribution. Siguraduhin po lamang na kumpleto ang requirements para mas mapabilis ang pag-proseso ng inyong loan application. Salamat!

  58. 21 years na po ang mother ko abroad ang salary niya nag rarange sa 70k – 80k. Gusto po nmin irenovate ang bahay in makati. Ang title po nakapngalan sa father ko whos already deceased. Pwede po ba yun? And estimated time ng process po para ma ka alot ng time ang mother ko dito sa pinas. Thank you.

    1. Hi Blake! Aside from the requirements indicated in this post, you can present a copy of the marriage certificate ng iyong magulang and death certificate ng iyong father. Maaari naman po isa sa anak ang mag-process ng housing loan application as long as may SPA na inexecute ang iyong mother bago po siya bumalik sa trabaho niya abroad.

  59. What is the computation for monthly ammortization of the housing loan amounting Php3,500,000 within 30 years contract?

    1. Hi Reynaldo! We don’t know the interest rate charged by PAG-IBIG; hence we cannot give you a definite answer. Our apologies.


      1. Hi Leonida. Yes you can. Please prepare all the requirements enumerated in this post to facilitate your loan application with PAG-IBIG. Thanks and good luck!

    1. Hi Leonida! Yes you can, but who will process the loan application? We suggest that when you go back to the Philippines, assign someone, by virtue of SPA, to process the home loan application on your behalf.

  61. Hi may question po ako my husband is an ofw at gusto po namin kumuha ng rent to own thru pagibig. pareho po kami member ng pagibig Pwede po ba na ako ang maglakad dito sa Philippines habang wala siya? Thank you and godbless

    1. Hi Mhatz! Yes, as long as may SPA signed by your husband that allows you to process the home loan application on his behalf 🙂

  62. Puede ba mag loan ng 5-6m para magpa gawa ng House ? Ang lote namin is a farm lot.
    Nag wowork ang anak ko sa abroad , then ako mother nya dito sa US at ang sister nya dito din sa US. Puede pa kaming 3 ang borrowers .
    Kaming 3 ang mag ba bayad .
    US citizen ang anak ko.
    Permanent resident ako.
    Bunso ko anak ang mag loan
    Nakapangalan sa kanya ang Farm land.

    1. Hi Anabel! The amount will depend po on the documents you will submit. The more you can prove your capacity to pay, then the higher the chances of not just getting approved but also getting a higher amount. Please submit the requirements indicated in this post to PAG-IBIG office 🙂

    1. Hi Nesty! Ideally, mas mababa dapat ang interest ng PAG-IBIG since this is specialized housing facility for OFWs 🙂

  63. Hi good afternoon po. I’m Flordeliza Dageno member dn po ako ng pag-ibig fund since 2011….tanong lg po kng pwdeng mk loan ng housing loan… Tnx po.

    1. Hi Flordeliza! Yes you can as long as you have continuous contributions with PAG-IBIG. Take note of the requirements listed in the post para mapabilis ang pag-process ng inyong application.

  64. Good day,
    Ano po ba ang possible reasons kung bakit hindi naapprove ang housing ng pagibig member even if 200 thousand pesos ang monthly salary ng member?

    1. Hi Sweet! There are variety of reasons. Maaaring kulang ang na-submit na requirements, or the borrower has no sufficient credit history, or may mga existing na past due loans/accounts, which is a big consideration. Still, don’t stop this from applying again 🙂

  65. Hi. I’m a member of Pag-ibig for many year now. As an OFW gusto ko kumuha ng housing loan. Separated all sa hubby mo and no communication at all. Hindi ko na alam kung nasan sya. We dont have have any contact for 10yrs now. And I think one of the requirements is Co borrower daw ang husband ko. If someone can help me with my query pls. What will be the solution for this kind of situation?

    1. Hi Joy! Co-borrower is required but not necessarily your husband. It could be your mother or sibling basta in good financial standing 🙂

  66. Hello po, I’m currently residing here at Dubai. 25 years old na po ako. Before po nung nasa PH pa po nakapagpamember na po ako sa Pag Ibig. Pero po after so many years hindi ko na po nahulugan, and right now. I’m so desperate to have my own house thru pag ibig housing loan. Ang question ko po sana, pwede ko po ba i lump sum ang 2 years requirement para makaavail ako ng housing loan? Or do I need to pay for two years then tskaa lang ako pwede magavail ng housing loan. I’m really confused po kasi esp. marami nagsasabi na hindi na daw pwede maglump sum ng pagbabayad. Please reply po. Thank you

    1. pwde po ba ako kumuha ng pagibig ofw po ako .. pwde ko po ba gawing spa ang partner ko hndi po kmi kasal . ty

  67. 7 yrs na poh akong nag work aboad, may kinuha poh akong combine unit, puwede poh bah ako makapag apply sa pag ibig housing loan, kahit bayaran ko nlng ng buo yung 24 months, and seperated poh ako, may seperated papers poh kmi na nka notary, mkkpag apply poh bah ako ng loan.

    1. Hi Jeff! PAG-IBIG discourages this since mayroon na po existing loan, especially po if same property lang. What you can do po siguro is to refinance the mortgage, so ang mangyayari is parang iaabsorb ng bagong loan yung existing loan. We’re not sure lang po if PAG-IBIG will agree on this arrangement so it is best to consult with them directly. Salamat!

  68. PAG IBIG member po ako for 4 years sa Pilipinas and currently an OFW here in the UK foe 6 months now. Entitled na po ba ako sa housing loan? Or kailangan ko maging OFW for 2 years muna?

  69. Hi,

    OFW po ako gusto ko maghousing loan for existing residential house hindi pa tapos. Meron po kaming Deed of Sale ng lot and ongoing po yung processing/approval of lot plan and land title transfer at yung mga taxes. Pwede po ba i-process ng Pag-Ibig housing loan pag ganyan po ang situation?

    Maraming salamat po

    1. Hi Aladin! PAG-IBIG might not allow this kind of arrangement since strictly speaking, wala pa sa pangalan ng principal borrower ang lupa na gagamitin for mortgage. We suggest po that you finish the entire process of transferring the title under your name para po maka-apply na kayo ng housing loan. Salamat!

  70. hello po..im an OFW..magaapply po ng housing loan yung husband ko..alam ko po na need ng photocopy ng valid ID ko as a spouse..ask ko lng po need ko den po ba mgbgay ng SPA ko sa husband ko kht ang husband ko lng ang mag aapply for loan?and kng kelangan..san po ko makakapagdownload ng format ng SPA na base sa requirement ng pagibig?

    1. Hi! If your husband will be the principal borrower, no need na po ng SPA from you. Kailangan lang po ng SPA IF kayo po ang magiging principal borrower and si husband po ang magpa-process ng loan on your behalf. Hope this cleared things up 🙂

  71. Hi balak ko po maki pag bid sa forclosed property pero yong gamit nong dating may ari dpa inaalis sa doon sa bahay na forclosed na. Hindi ba problema yon kc nasa kanya pa ang isang susi baka pag nanalo kmi sa bid ayaw niya umalis?

    1. Hi Ric! Please coordinate with the bank regarding this since we are not in a position to give legal advice regarding this. Hindi din po kami familiar sa mga ganitong proseso. Salamat po.

  72. Ofw po b automatic member Ng pag ibig?? Second timer n po aq pwd Bo b mg avail ng housing loan? Flight q n po tomorrow

  73. hi po, ofw po ako at plano ko mag loan thru pag ibig isa po sa requirements ang marriage certificate more than 10 years na ako hiwalay kailangan pa po ba yung marriage contract thanks po,

  74. Goodmorning,
    Plan po nmen bumili ng same residential lot from same seller.
    (buuan po ung lot at hahatiin nlng nmen after matransfer sa isa samen ang title) Gusto nmen magloan PAGIBIG housing loan. Pareho po kme OFW. Pano po b tamang gawin? Salamat

  75. hi po..mag aavail po ako ng rent to own house married po akobpero hiwalay na 15 yrs at japanese husband ko wala na kmjng vommunicayion for 15 yrs . isa po sa req.e marriage contract and id’s of husband and need daw ang pirma nya so how po e di ko po alam asan na xa at nasa japan xa…if makapag apply ako sa pag ibig maaaprubahan kyo o ma denied? the rest do uments e meron po ako…reply pls.i need an advice

    1. Hi Charina. We’re not sure about this since this concerns legal concerns narin. Please call PAG-IBIG at 724-4244 para po mas sigurado since sila po ang mas nakakaalam. Salamat.

  76. Ofw po ang husband ko and gusto po namin mag housing loan, pwede po ba ana ako asawa ang magasikaso nun lahat and what if meron po sya hulog sa pagibig before nun nagwowork pa po sya dito sa pilipinas

  77. sir tanong ko lng po if pede po ba mag avail ng housing loan kahit na
    rights lng po,wala po kami TCT/CCT ,dito po kami sa pasig under ng home owners association,kung pede po ano po ung other technical requirements instead po ng TCT/CCT??maraming salamat po

    1. Hello Meriniza. Hindi po papayagan ito. Kinakailangan po ang TCT/CCT under your name para po makapag-avail kayo ng housing loan. Salamat po.

  78. Hi! Nasa Bangkok po ako and nakakuha po ako ng house and lot nagstart palang po ako maghulog ng equity plano ko sana magloan sa pag ibig para mabayaran ko ng buo ang property earlier… since ako po ang mag aaply in person do i still need the SPA from phil embassy here in thailand or you want all my documents to be notarized or certified by the phil embassy here?

    1. Hi Chona! No need for SPA since kayo naman personally maga-apply. Please make sure that all the documents are submitted and you complied with all the requirements para mapabilis ang pag-proseso ng inyong application.

  79. Hello po Ofw po aq Single may kta po House and lot sabi sa pag ibg bali 2.2m pwd dw aq mag una ng 1.3 then pwd hulugan cntnue so panu po mag loan ng house and lot sa pag ibg?
    May Contract po aq at letter Com with Certificate lahat andun naka attanced sahud ko per mnth at Medical Insurance regarding dun anu pa po kulang sngle nman po aq.. Salamat po

    1. Hello. The post indicates the requirements and process kung paano po mag-apply ng housing loan sa PAG-IBIG. If hindi po ninyo maasikaso, you can execute SPA assigning someone you trust to act on your behalf. Salamat.

  80. Hi husband ko po is OFW and im also locally employed pareho din po kami pagibig member. My 90k po income ng husband ko at 23k nmn po income ko. Yung title po namin ay nka married to ang nkalagay… Ako po yung mglalakad ng papers since ako po yung nandito sa pinas. Nalilito po kasi ako kung sino ang gagamitin kong principal borrower na mas mabilis. We are planning to loan worth 1.25m. Kung ako po ba ang mgihing principal borrower at mgiging co borrower ko si husband possible po ba na maapprove yung 1.25m? Kung Oo kailangan pa rin po ba ng SPA ni husband? O mas ok po ba na si husband na lang ang principal borrower? Tanong ko din po kung mgkano ang magpa SPA sa embassy ng singapore? Matagal o mahirap po ba yun process ng SPA?

    1. Hi Donna. Pwede naman po na ikaw ang principal borrower tapos co-borrower or guarantor mo si husband. Mas madali ang proseso since nandito na po kayo sa Pilipinas. Ipakita po ninyo ang income documents ng inyong asawa para po makatulong sa inyong housing loan application.

  81. Hi po.. Pde po ba na ilipat ang housing loan sa bank sa pagibig? or Pde kaya na magloan sa Pagibig ng halimbawa 1M para i cash sa plano na bblhin na bahay? Kumbaga, cash po ang loan sa pagibig? OFW po ako at annual contribution ko sa Pagibig ay P6,000.
    Kindly advise.

  82. Hello we already have a land pero nakapangalan sya sa mom ko so ako yung may pag ibig membership im an ofw is it possible that i can borrow money sa pag papatayo ng bahay every month naman ksi ako ng babayad so ill process it personally??thankyou in advance

    1. Hi Andrea. That would be possible, although baka po papirmahin din ang inyong mom sa loan contract since sakanya po nakapangalan ang lupa.

  83. Hi,for purchase of acquired assets of pag-ibig?anu po ung rate for approval of housing loan?im ofw,my salary is within po sa need po nila(120k per month),my question are need ko b na co-borrower ung husband ko po? 2nd i dont have any existing loan or any credit history s pinas,is possible n madisapprove po ako?thanks

    1. Hi Alex. We dont know the rate of approval since this is up to Alex. Still, we suggest that you present all the required documents and prove that you have a capacity to pay para ma-approve ang inyong loan application. Salamat.

  84. Hi good morning! Pinapunta po ako ng PAGIBIG Imus branch sa BUENDIA branch for MSVS APPROVAL dahil ang kapatid ko ay OFW and I have the SPA to request for it. Magkiba po ba ang PAGIBIG Buendia branch sa LIBERTAD branch for OFW? Paki advise naman po. Thank you.


    1. Hi Anthony. Same PAG-IBIG branches naman, but it’s possible na mas extensive ang system sa Buendia branch. Posible din po magkaiba din ang Buendia at Libertad.

  85. Hello po,

    I am OFW now for 6years then matagal na dn ako hindi nka contribute pero dati sa Pinas pa ako nag work nka contribute naman ako pero hindi ko alam ilang years yung contribution ko at may taon dn nag contribute ako yung dito ako sa abroad pero na stop ko din. Pana ko po to malaman kasi I am planning to have a housing loan.

    Sana matulongan nyo po ako sa tanong ko.

    Looking forward.

    Best regards.


    1. Hi Ronald. You may coordinate with PAG-IBIG po para macheck din nila ang inyong account at kung magkano na ang inyong naging contribution. From there, makikita na po kung updated ang inyong contribution or if not, kung magkano ang hahabulin para maging up to date ang inyong contribution.

  86. hi ask ko lang po, if halimbawa merong lote yung parents ko then nag wowork po ako abroad, then I want po sana na patayuan sya ng apartment possible po ba ko na makapag loan thru PAG IBIG? If yes, ano2x po yung mga requirements?

  87. Hi. I’ve been living and working in the UK for the past 15 years now wonder if I’m still eligible to borrow money for a house I’m planning to build for my mum and for myself eventually when I retire? I’m a British citizen now but I own 2 parcels of land in the Philippines, one of which is where I’m planning to build the said house. As much as possible I don’t really want to sell the other property to finance the building of the house hence I’m enquiring whether im still eligible to avail of service please. Many thanks.

    1. Hi Armand. Are you a PAG-IBIG member? We’re not sure if former Filipino citizens will be allowed by PAG-IBIG since per their website, it said “PAG-IBIG members, including OFWs.” You may send them an email at contactus@pagibigfund.gov.ph to clarify on this matter. Thanks.

  88. Inasume ng agent ko po yung bahay na kinuha ko panu po ba ang paraan na Legal na paraan para ma transfer sa kanila ang name ng pag kuha ko ng housing loan isa po akong OFW seaman.. Sabi nila sakin bayaran nlng daw nila ang na bayad ko dati pag naka luwang na sila ano ba dapat kong gawin na paraan pls advice po para di ako naisahan ano po ba aksyun na kailangan ko gawin para saegal N paraan…

    1. Hi Ryan. It is best to consult a lawyer regarding this since this is not a simple loan issue po. We can’t give an advice since we’re not that familiar pagdating sa legalities. Salamat.

  89. Hi! Approved bang maging co-borrower ang non relative like friends? Ano ano mga requirements ng co-borrower?Thank you sa pagsagot in advance.Godbless po.

    1. Hi Lalaine. Yes, anyone can be your co-borrower as long as s/he is someone you can trust and maganda ang credit score 🙂

  90. Hello po, ofw po from dubai and pag pagibig member na din po ako nung nasa pilipinas pa ako. But the status is employed local. ipapachange ko po sana yun to ofw. Plano ko po kasi mag house loan and mother ko po ang magprocess. Magapagawa po ako ng SPA at ipaparedribbon sa embassy. Nagrerent po sila ng house at sabi ng may ari instead na upahan nila yung bahay ay ipasok nalang daw sa pagibig para mabili namin. Pede po ba un? aside from that. Meron na rin naman po ako copy ng employment contract ko at indicated na rin ang salary. kailangan ko parin po ba ng certificate of salary? Thankyou

    1. Hi Anne. Yes, that’s possible naman po. You may also present an authenticated copy of your working visa, OEC, and passport as proof that you are an OFW. Wala naman po naka-indicate na certificate of salary, although if you could get one, then kumuha narin po kayo as supporting documents.

  91. Thank you po for answering. Follow-up question po sana, ano po requirements ng co-borrower?Thank you. Godbless.

    1. Hello Lalaine. This will depend on the bank or lender po. To be sure, documents that will show proof of income like employment certificate or payslip. Submitting bank statements po will also help.

  92. Good am. Pano pag ofw ka po, at gusto ko pong bumili ng lupa. Pano po magavail sa housing loan. Estimated 1.5 million po yung lot. Ang sahod ko po ay 60k per month.

  93. hi po… ofw here and pag ibig member…may nabili po kameng bahay sa tita ko at nalipat po sa pangalan ng nanay ko kahit hindi pa bayad… ako po naghuhulog monthly.. pede po ba ako maka avail ng pag ibig housing loan para po mabayaran na namin ung bahay at sa pag ibig nlng ako maghuhulog monthly. ang halaga po ng bahay ay 1.5M… pede po ba mag housing loan sa pag ibig at pano po ang process? Thank you po

    1. Hi Loudette. Yes, you can apply. Just make sure your contributions are up-to-date and complete ang requirements. As to the process, please refer to the post. We already enumerated the requirements and steps on how to apply. Thanks!

  94. Good pm , pwede din po bang itanong dito , kami po ang seller ng property , nagbenta kaming property dahil kailangan namin ng pera , ngayon july 15,2019 dumating yong approval ng Pag ibig at letter of guaranty sabi by 1st or 2nd wk ng oktober makukuha na yong tseke, pagdating doon , hindi pa daw kasi daw po nag expired yong certificate of emplyoyment noon borrower . Seaman yong borrower . Kailangan na yong pera , posible po bang o pwede po bang umayaw na yong seller sa pagbenta ng property nya? Maraming Salamat.
    Ofw po husband ko sa Saudi

    1. Hi Nenita. Kung wala pa naman napipirmahan ang potential buyer na dokumento stating na nabili na niya ang property sa inyo or wala naman naibigay na earnest money, then maaari po kayo maghanap ng ibang buyer.

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