How to Apply for a Multi-Purpose Loan in Pag-IBIG

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 To apply for a Pag-IBIG loan, follow these steps:

  1. Submit a duly accomplished loan application form and requirements at any Pag-IBIG Fund branch or through an accredited partner-developer if you're purchasing a property. 
    pagibigfund.gov.ph
  2. Complete the forms provided on the Pag-IBIG website with necessary information, save it as a PDF, and send it directly to Pag-IBIG or your company representative handling loan applications.
  3. For members whose employers are enrolled under Virtual Pag-IBIG for Employers, complete the Pag-IBIG MPL application online form. 
    pagibigfund.gov.ph
  4. Submit the Multi-Purpose Loan Application Form and other requirements to the nearest PAG-IBIG branch for over-the-counter applications. 

How to Apply for a Multi-Purpose Loan in Pag-IBIG

If you’re eligible and with complete loan requirements, submit your documents to your HR department and coordinate your application with them. 

For self-employed members, visit a Pag-IBIG branch near you and have your documents processed for approval.

You can also apply for loan renewal later, though it will require six months’ worth of payments toward your existing loan plus the outstanding balance with accumulated interest. Penalties and charges will be deducted from the new amount you take out.

The borrower’s penalty will be charged 1% of the unpaid amount for each day of non-payment.

How Can I Apply for a Pag-IBIG Multi-Purpose Loan Online? 

You can apply for a Pag-IBIG Multi-Purpose Loan and other short-term loans using the Virtual Pag-IBIG platform. Take note that getting a Virtual Pag-IBIG Multi-Purpose Loan is available only to members who meet the following conditions: 

  • Have a Pag-IBIG Loyalty Card Plus or;
  • Have a Cash Card issued by Pag-IBIG Fund partner banks 
  • Works for an employer with a Virtual Pag-IBIG for Employers Account

Before applying for a Pag-IBIG Salary Loan online, make sure to prepare the following requirements: 

  1. Scanned copy or photo of the accomplished Multi-Purpose Loan Application Form (MPLAF), duly signed by your employer (if you’re employed), and bearing your signature and your two witnesses
  2. Scanned or photocopy of one valid ID card 
  3. Cash Card (which can be your Loyalty Card Plus issued by UnionBank of the Philippines, Asia United Bank, UCPB, or LANDBANK of the Philippines 
  4. A selfie photo showing your valid ID and Cash Card 

Here’s how to apply for a Pag-IBIG Multi-Purpose Loan online: 

multi-purpose loan pag-ibig - virtual pag-ibig

  1. Register for a Virtual Pag-IBIG account to apply for a Multi-Purpose Loan. 
  2. Log in to your Virtual Pag-IBIG account and choose Multi-Purpose Loan from the menu on the right panel. 
  3. Select Apply.
  4. Upload your accomplished loan application form and requirements, or complete the Pag-IBIG Multi-Purpose Loan application form online if your employer is enrolled in Virtual Pag-IBIG for Employers. 

Can I Apply for a Pag-IBIG Salary Loan Online If I’m Self-Employed? 

Yes, self-employed members with a Pag-IBIG Loyalty Card Plus card or Cash Card can also apply online by uploading the completed loan application form and other requirements. 

Another option is via email filing. Fill up the loan application form and save it as a PDF file. Attach a copy of your valid ID (front and back) with three signatures and the Declaration of Income.[3]Send them to the following Pag-IBIG email addresses:

Pag-IBIG EmailAreas Being Served
ncrnorth@pagibigfund.gov.phGMA Kamuning, Quezon Avenue, Commonwealth Avenue, Cubao, Marikina, Caloocan – EDSA, Valenzuela, Pasig, Mandaluyong - Shaw Zentrum and Antipolo branches
ncrsouth@pagibigfund.gov.phMakati-Buendia I, Binan, Makati-Ayala Avenue, Makati-Buendia II, Makati-JP Rizal, Taguig - Gate 3 Plaza, Guadalupe-EDSA, Muntinlupa, SM Aura, Intramuros, Sta. Mesa, Binondo, Pasay, Las Pinas-Robinsons Place, Paranaque, Imus, Rosario, and Dasmarinas branches
Ilocos@pagibigfund.gov.phLa Union, Laoag, Vigan, Dagupan, Urdaneta, and Baguio branches
cagayanvalley@pagibigfund.gov.phTuguegarao, Solano, and Cauayan branches
centralluzon@pagibigfund.gov.phSan Fernando, Tarlac, Angeles, SBMA, Balanga, Malolos, Baliwag, Cabanatuan, and Meycauayan branches
southerntagalog@pagibigfund.gov.phLucena, Batangas, Lipa, Calamba, San Pablo, Sta. Rosa, Calapan, and Palawan branches
bicol@pagibigfund.gov.phLegazpi and Naga branches
centraleastvisayas@pagibigfund.gov.phCebu-Ayala, Dumaguete, Talisay, Toledo, Cebu-Colon, Mandaue, Danao, Mactan, Tagbilaran, Tacloban, Calbayog, and Ormoc branches
westvisayas@pagibigfund.gov.phIloilo-Manduriao, Iloillo-Molo, Kalibo, San Jose de Buenavista, Roxas, Bacolod, Kabankalan, and Sagay branches
northmindanao@pagibigfund.gov.phCDO-Lapasan, CDO-Carmen, Valencia, Butuan, San Francisco, Surigao, and Iligan branches
westmindanao@pagibigfund.gov.phZamboanga, Dipolog, and Pagadian branches
southwestmindanao@pagibigfund.gov.phDavao-Bajada, Davao-Matina, Davao-Lanang, Digos, Tagum, Panabo, General Santos, Polomolok, Koronadal, Kidapawan, and Cotabato branches

Pag-IBIG Multi-Purpose Loan Term and Modes of Release

When you receive approval for your Pag-IBIG Multi-Purpose Loan application, you may choose from any of the following modes of loan release:

  • Crediting to your disbursement card
  • Check issuance
  • Bank transfer through Land Bank, DBP, or UCPB cash card
  • Loan issuance to your Pag-IBIG Loyalty Card Plus

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