What is Pag-IBIG Fund?

savings program with tax-free dividend earnings

An opportunity to save for the future An opportunity to be a future homeowner

Who are mandatorily covered? (R.A. 9679)

All gainfully employed Filipino (all SSS and GSIS members) Household helpers Overseas Filipino Workers

Uniformed Personnel

Self-employed individuals which includes:

Practicing professionals
Businessmen and Entrepreneurs

Job Order (Piecemeal) workers

Farmers and Fisherfolks

Workers in the Informal Sector

And other individuals earning at least P1,000 a month whether from trade, business or profession

CONTRIBUTION RATE
Monthly Contribution Rate Compensation EE share ER share P 1,500 and below 1% 2% Over P 1,500 2%
Self-employed members shall cover both the employee and employer share or P200/month

When can I enjoy my savings?

Maturity - 20 YEARS
- 10 YEARS (optional)RA7742 - 15 YEARS (optional)RA9679

Retirement
-60 yrs of age (optional) -65 yrs of age (mandatory) -45 yrs of age w/ company ERP

When can I enjoy my savings?

Total Disability/ Insanity Separation from service due to health reason Permanent departure from the country Death

LOAN PRIVILEGES
Short Term Loan (Multi - Purpose Loan and Calamity Loan) Expanded Housing Loan Program

MULTI PURPOSE LOAN

Loan amount up to 80% of TAV
FAST and EASY! 1-3 days releasing

Low interest rate at less than 1%/month

MULTI PURPOSE LOAN

Payable within 2 years
Reloan period of after 6 months only Earn rebates on advanced payments

EXPANDED HOUSING LOAN PROGRAM

Pag-IBIG

offers the Best Housing Loan packages

Lowest Interest Rate at 6% per annum
Highest Loan to Collateral Ratio at 100% Longest Loan Term at 30 years Loan Amount of up to P3 Million

LOAN PURPOSES:
Lot Purchase

Purchase of Residential Unit

House Construction or

Completion
Lot Purchase with House Construction Home Improvement Refinancing

LOAN PURPOSES:
Lot Purchase

Purchase of Residential Unit

House Construction or

Completion
Lot Purchase with House Construction Home Improvement Refinancing

Eligibility
An active member with 24 monthly contributions Not more than 65 years old Filipino citizen and of legal age Must pass background/credit

investigation
Updated MPL payments No existing HL (either as principal or
co-borrower)

MODIFIED Pag-IBIG Fund II (MP2) Membership Program

Voluntary upon all Pag-IBIG I members whose

gross monthly income exceeds five thousand pesos (Php 5,000.00)

Contribution

is minimum of five hundred pesos (Php 500.00) per month

Five (05) years membership term

Solely a savings scheme

- THANK YOU -