Pag-IBIG Housing Loan Default and Foreclosure

Most real estate purchases and investments are made with the use of borrowed money; that is by mortgage loans.

In an ideal world, these mortgages are paid on time and are eventually fully paid including all the interest incurred by borrowing the money. But unforeseen circumstances do sometimes happen, which lead to loan defaults and, worst of all, mortgages being foreclosed.

Foreclosures are often painful on the part of the borrower and a hassle on the part of the lender. This is the reason why lenders are very strict in evaluating loan applications. It is not uncommon for lenders to ask for very detailed personal and financial information from their clients.

Why Loan Defaults Happen?

Given the fact that Housing Loan Default is something to be avoided, there are some reasons why they happen. Here are some common ones:

  • Personal and Financial Problems — the loss of a job, emergencies, calamities, or being assigned to another city.
  • Physical Flaws Of the Property — weak structure, dilapidated roads, flood-prone area, etc.
  • Legal Problems — land title disputes, marital problems

Loan Default Leads To Foreclosure

For regular Pag-IBIG Housing Loans, loan default happens when the borrower or any of his co-borrowers…

  • fails to pay three consecutive monthly amortizations
  • fails to pay monthly membership contributions
  • fails to comply other obligations of the loan

In the case of Pag-IBIG Rent-to-Own units, a default happens if you fail to pay three consecutive monthly rentals.

If the borrower defaults on a loan, the outstanding loan, accrued interest, penalties, fees and other charges become immediately due and demandable. Aside from that, Pag-IBIG also imposes that the “unpaid monthly payments shall continue to be charged with a penalty equivalent to 1/20 of 1% of the amount due for every day of delay.

What To Do If Foreclosure Is Underway?

A foreclosure is a very stressful situation. Once you are at a point near that, knowing the options to take can greatly help.

If you find yourself unable to continue to make the scheduled payments on a mortgage loan, consider the following alternatives before it’s too late:

1. Sell the property and repay the loan. If you are lucky to have a friend or relative who has ready cash to pay for the property, this is the way to go.

2. Have someone assume the loan. Announcing to the whole world that you are in financial distress may help after all. Who knows, someone down there might be a good candidate and he could be interested in assuming your loan.

3. Restructure the loan. Discuss this with the lender; the Pag-IBIG Fund, in this context. A Loan Restructure might help reduce the payments temporarily.

4. Just let it be. That is, just allow the lender to continue with the foreclosure. Some properties really deserved to be foreclosed, most especially those that are really giving you a lot of headache instead of a roof over your head.

Prevent Foreclosure By Avoiding Loan Defaults

As a member of Pag-IBIG Fund, loan defaults and foreclosures are things to be avoided like a dreaded virus. Remember that once you have faced a foreclosure in your Pag-IBIG Housing Loan, you may be denied housing loans in the future.

One of the ways of preventing loan default is by first being honest with your finances. Before deciding to use a housing loan, consider your monthly expenses, you may have to do away some if your house is on top of your priority list. This requires a lot of discipline.

It is also very important that you know how to buy the right property that fits your needs. Don’t even consider buying in depressed areas and unsecure or unsafe neighborhood.

Note From The Website Administrator :

This website is not just about giving you inside information on Pag-IBIG Financing. We also intended to help everyone who is facing a foreclosure. If you know someone who has a property financed by Pag-IBIG and is on the verge of a foreclosure, please refer him / her to this website. The property can be listed here FREE of charge for every web visitor to see.

Again, that’s a FREE listing offered to distressed Pag-IBIG Members.

To avail of the FREE service, please send the details or leave us a message using the contact form provided on this website.


This article on Pag-IBIG Housing Loan Default and Foreclosure is written by Carlos Velasco.

  • louie n martinez

    pls verify the status of blk 9 lot 39 of tiera nova royal 3 located at bagumbong caloocan city

  • moises beronilla

    i just want to proof this subdivision tiera nova royal at the novalinches quezon city.palmera is the developer.ask q lng poh kung forclosure na poh ba ito..thans

  • rizalde mateo

    pls verify the status of blk 22 lot 22 ph 2 cartagena st lapoblacion muzon san jose del monte bulacan. kung available po ito,puede ko na po b ito aplayan anytime? paano po at saan. tnx…

    • admin


      Sorry, we can’t answer that one. Please approach the Pag-IBIG Office in that place.

  • andres t. yu

    i applied for pag ibig housing loan july of 2007 and was fortunate enough to have been awarded the the loan. however something happened with my finances and i failed to pay my monthly amortizations and the house and lot were foreclosed.
    my question is, will i still be illegible for another housing loan if ever my finances get better?

    • admin

      Hi Andres,

      It’s good that you ask this question.

      Pag-IBIG is very strict when it comes to missed payments. I don’t know if this was explained to you during the orientation, but having a record of foreclosure on your account will not allow you anymore to another housing loan.

  • Rommel T Furigay

    i just want to ask why until now o deductions were made on my multi purpose loan on november last year.I presented my ledger a month after the start of my deduction (june 2010) from my salary to your regional office here in tuguegarao,cagayan and no actions are made by your loan section personnel(to think that your office is just a phone call away) ang sa akin lang po gusto ko magbayad sa takdang araw at ayaw ko lang na madagdagan ang aking babayaran sa ganitong kasimpleng dahilan coz untik now wla pa po deduction na nkita ko sa pAYSLIP ko..sna po maaksyonan ito!!! thank you and godbless!!!

    • admin

      Hi Rommel,

      It’s best if you can visit the Pag-IBIG office and ask for a document that allows your employer to deduct from your payroll your monthly dues for that loan. Your employer may never know that you had a loan from Pag-IBIG and that document will help them, and you too.

  • joel c. torreda

    my gusto akong i-rent na bahay na foreclosed sa Silvertowne II, Malagasang I, Imus, Cavite. Mahigit isang taon na yon pero hanggang nagayon wala pa resulta. Nag apply ako sa foreclosure section ng pag-ibig sa Atrium Makati mga June, 2009 pa. Kukumustahin ko sana, mahiya naman sana ang Account Officer na may hawak ng account na yun sineswelduhan wala yata ginagawa puro overtime pa. Oscar Paparon ang previous owner ng property.

  • Luz

    Hi Admin,
    Nag-housing loan po me tapos sabi ng mga real state agent na after one year matirhan ang house kasi daw po marami requirments. Totoo po ba un? tapos kailangan ko pa daw ipa-red ribon ko ang papers na galing sa mama ko na permahan ko daw? Dito po me sa Dubai ng work.

    • admin

      Hi Luz,

      Sorry, but that is already between you and the developer and Pag-IBIG is out of that.

  • Irene E.

    Hello po,

    May letter of foreclosure na po ako na received, di ko naman kaya bayaran ung ganong kalaking halaga.Pwede po bang i transfer ko sa name ng husband ko then re contract po ba un?

    • admin

      Hi Irene,

      Why would you go to such a complicated option? Can’t you ask your husband help you in paying it instead of transferring it in his account?

  • Lucina T.

    hi admin,

    how can we own the foreclosure house?
    nakatira n kc kmi mag-asawa sa foreclosure n house for 5 yrs.
    actually nag apply n ang asawa ko s Pag-ibig housing loan nkpag down n sya
    tpos inatras nya kc inalok ng dati nyang boss s trabaho ang bahay n ito reservation fee lang daw muna ang babayaran s agent n 80k tpos pina ayos nmin ng kunti ang bahay para matirhan kc sira sira ang bahay ng makuha nmin kaya gumastos din kmi. indi nmin talaga kilala personally ang may may ari nitong bahay.s agent lang nkipag usap ang asawa ko tpos po ngayon nasa abroad na ang dating boss ng asawa ko hindi n nmin mahagilap pati yung agent. nkatangap n po kmi ng letter notice from pag-ibig n foreclose n nga po ito. ano po b at pano po b ang dapat gawin nmin?… please help us andGOD BLESS.

    • admin

      Hi Lucina,

      So technically, you don’t really own the house where you are living yet? And what did you get from that 80k?

      From what I have gathered on your comment, I’m sorry to inform you that Pag-IBIG Fund has nothing to do with the transaction between you and the agent/broker or even the original buyer. There are steps to take when you assume a loan and you need to know this before even paying that 80k.

  • Lucina T.

    thanks admin for immediate response, we just have here the acknowledgement letter from the agent that they received from my husband the said amount as reservation fee for the house.

    we are planning to go to Pag-ibig office in Makati
    but still I want to learn first from you if what shall we do or what will be our status to own the house and loan it from Pag-ibig, if its possible.
    actually we are very ashamed to go there ‘coz we know that we are a victim of a bogus agent and we don’t know what dept. to go and whom should we talk to. and i just wondering that why is it the agent that we have talk to informed about the status of this house even the name of the owner. thank you and more power.

    • admin

      Hi Lucina,

      Thanks and I’m hoping the best for you.

  • Sara


    I’d like get some info on PAG-IBIG foreclosed house & lots in Valenzuela City. Do you have a list available or can I get it from PAG-IBIG website?

    Thanks. God bless.

    • admin

      Hi Sara,

      We don’t have that feature yet on this website, though that’s on the plan.

      As of now, you can go check it at the Pag-IBIG Website or keep up here for some updates by subscribing to the List. Subscribers will get notified when such properties become available.

  • armand liberato

    Dear Admin

    I applied for a housing loan, approved and paid my monthly amortization for more than 2 years, after that, i failed to do so…due to some financial problem as a result FORECLOSURE. Nanyari po ang lahat sa taong 2004

    Tanong ko lang po…maari ko pa bang isa ayos ang pag babayad? Ano po ang mga dapat gawin?

    Thanks and best regards,


  • Anna

    3 months na po ako di nakakabayad sa pag-ibig housing loan ko. automatically foreclosed na po ba agad yon? medyo malayo po kasi sakin yung pag-ibig branch na under yung property na nabili ko. di ko po agad mapuntahan kasi di ako makapag-leave sa work. But then plan ko po magbayad next month and mag-advance pa ng 2 months. makakaapekto po ba yung ganitong record ng payment ko in availing a housing loan in the future? thanks po

  • rebecca saliganan


    I would like to ask if there were still available foreclosed unit in Kingstown1 Subd., Bagumbong Caloocan City?Can you help me to have a list?

    Thank you and hoping for your response.


  • admin

    Hi Anna,

    This is something you should seriously consider because it will definitely affect your standing on Pag-IBIG. Pag-IBIG might give you a chance. Just because the property is far from your place of work doesn’t give you an excuse not to pay your obligations.

  • admin


    That feature will be available soon. Stay in touch.

  • melanie anada

    hi admin,

    almost 2 years ng in default ang payment ng housing loan ng husband ko. hindi kasi kami nakatira dun but napagawa na namin yung house (bare unit siya nung na-acquire namin). gusto ko lang sana malaman: kung ibebenta namin yung property sa ibang buyer since hindi na kami interested tumira dun para ma-cover ang mga arrears namin, is it still possible na makakuha ako ng housing loan under my name this time (since yung first loan is sa husband ko nka-pangalan).

    Sana mabigyan ng linaw ang question ko. Thank you.

  • joanacel dating

    hi good day gusto ko lang po sana ask if may for close po sa part ng kingstown 1 bagumbong calooocan city thanks and more power.

  • ma teresa catajoy


    kindly inform me if there is any foreclosed property located at ayala, zamboanga city.


  • Arnold Garcia

    Hi admin,

    If I will avail a Pag-ibig housing loan for 30 years, then after a few years of regular contributions, I decide to shorten the term to 15 years because I get a better financial condition, would they allow me to do so and restructure my loan? Thanks.

    • admin

      Hi Arnold,

      Yes and in fact that is highly encouraged.

  • Carlthel

    I have a Housing Loan, but we would not be able to live in it. There is an interested buyer who is also a Pag-Ibig Member. My question is, is it possible to transfer the housing loan to them? They will pay me what I have paid to date and they will continue? I asked, because what if I decide to purchase a new house? I would not be able to do so if I have an existing housing loan that they are continuing to pay but still under my name.


  • admin

    Hi Carthel,

    Yes it is possible.

  • beverly

    hi admin,

    when can a loan be considered as default and subject to foreclosure?

  • Marites

    Bev, a loan can be considered in default in a Pag-IBIG loan usually if you haven’t paid your loan amortization and/or your membership contribution in at least three consecutive months. Subsequently, the loan shall be considered due and demandable. Foreclosure proceedings start after failure of update by the borrower after demands by the Fund.

    • admin

      Hi Marites,

      Thanks for the help.

  • julz

    hi admin,

    I have a friend’s unit that is due for foreclosure and i want to assume the loan. I’d like to inquire about the process on below item..e.g requirement, documentation, etc.

    2. Have someone assume the loan. Announcing to the whole world that you are in financial distress may help after all. Who knows, someone down there might be a good candidate and he could be interested in assuming your loan.

    Thanks and more power

  • bernard

    hi! pwede ko ba i apply ng loan ang forclosure na? thanks!

  • anajean pascual

    hi admin,pls gusto ko pong magtanong.may bianbayaran po kming house sa pnb.pwede po ba namin ipasok ito sa pag-ibig para sa pag-ibig nkmi maghulog sir?instead na pnb di sa pag-ibig na para mas maluwag sa amin.tnx

  • dante

    gd day po, i just want to ask if i am still qualified to buy a foreclosed house and lot in pag-ibig? i previoudsly have a housing loan but it was foreclosed 3 years now.ty po..

  • http://Pag-IBIGloandefaultsandforclosure victoria

    pwede po bang ang foreclose na house and lot ko,since hindi na pwede ang restructure as amended lately,na ako rin mismo ang bibili nito?Of course cash na ito.kasi balak ko na restructure ko ito.Ang halaga ba nito sa cash same as the price ng kinuha ko ito like 395th plus equity na 8th something or tumaas na ito ng kunti?

  • gemma

    hi mam good day!
    mam ask ko lang po kasi po naka recieved po ako ng letter 2 days ago ng forclosure. Ang tanung ko po mam panu ba ang dapat ko gawin masyado pong malaki yun kung babayadan ko agad. pwede po ba mam na magbigay muna ko ng half kasi wala naman po kaming mahihiraman ng ganun kalaki, mapagbibigyan nyo po kaya kami, pls mam i want to save my house pwede po bang gumawa kami ng promissory letter, kasi po nawalan ng work ang asawa ko kaya di kami nakabayad nun, ngayon lang po uli naging maayos.
    pls mam/sir sana po mapagbigyan kami mga nahingi ng palugit sa inyo. plss.
    thank you!!! godbless.


    hi can i ask if there is available forclosed house and lot in sta. rosa laguna? tnx

  • http://facebook ricky

    gud pm po, ask ko lng kng may available forclosed house and lot in sta rosa city, laguna? salamat po.

  • admin


    The first requirement is you must also be a member of Pag-IBIG. Get pre-qualified first if you have enough income to pay for the monthly dues. It’s better if you and your friend can go to the Pag-IBIG office to discuss it in details.

  • admin


    Yes, that’s possible. You have to check with PNB on how to go about it because part of the documents are held at the bank.

  • Maji


    Just want to ask kung gano katagal ang validity ng MSVS. I attended the seminar last april 2010, can I still use it this November or December in applying for housing loan or do I have to attend again the seminar. Thank you!

    • admin


      That’s valid for six months only.

  • Noel

    Hi. May I know what does Buy-Buy guarantee means? May makukuha ba ang member dito?

  • Noel

    oops I meant buy back guarantee.
    will the developer return some money to the buyer incase the buyer opts to back-out assuming the buyer on lived on the unit for less than a year.
    the reason is because the developer did not followed its marketing pitch like flood-free??

  • Tina


    My mom loaned the construction of our house through PAG-IBIG back in 2005. She is not telling me, but i believed she is not paying the monthly amortization anymore. Maybe for more than a year now. She is not telling me if there is already a foreclosure notice or any details either.

    Do you think our house is already foreclosed? If so, do you think we are eligible for restructuring? Is there a lower interest rate for OFW? I am an OFW, do you think they can transfer it to my name to avail a lower amortization?

    Btw, the land where we build the house is ours. The land value as of now is definitely higher than our loan amount. Is it some sort of collateral that’s why there is no foreclosure until now?

    I want to assume some responsibility cause I don’t want them to be kicked out of the house.

    Hope you can help me!

  • karen

    gud pm po, ask ko lang po, pndalan po kmi condonation letter automatic po b acquired n ung unit, nkapangalan po ung unit s tita ng husband ko, pero kmi po ung ngoccupy eversince nkuha nmin to, pde po ba nmin itransfer n lng smin tong unit ok nmn po s tita nmin. thanks po.

  • Cielo

    i just would like to ask what are the requirements if i plan to buy a house that is for foreclose through pag-ibig? Can the loan assist from the payment of the foreclosure to downpayment and monthly amortization? please advise. For your assistance please

  • gemma pumaren

    ask kolang po kung meron sa peace village antipolo city ang pwedeng makuha as rent to owned na house and lot?

  • maycel

    hello admin.
    kpg po b foreclosed n ang bhay at un po ang napili qng kunin tru pagibig, mtitirhan n po b agad?
    kung hindi po, ganu katagal sng process bgo mtirhan?

    sa qc q po kc gustong mghanap ng bhay, foreclosed lng daw po ang mura, more than 2 years plng po kc aq ngwowork.
    thanks po more power

  • maycel

    hello admin.
    kpg po b foreclosed n ang bhay at un po ang napili qng kunin tru pagibig, mtitirhan n po b agad?
    kung hindi po, ganu katagal sng process bgo mtirhan?

    sa qc q po kc gustong mghanap ng bhay, foreclosed lng daw po ang mura, more than 2 years plng po kc aq ngwowork.
    thanks po more power

  • http://Afternotpayingthreeconsecutivemonthsofthemonthlyamortization,howmanydayswillbeprovidedtoalenderifduesarestillunpaidbeforetheywillbekickedoutfromthehouse,thabks cef majuelo

    What will happen if you have not paid your monthly dues for three consectuve months, how many days will be given to the borrower before he will be kicked out from the at house



  • marlene

    Good day! i am an ofw i want to avail the housing loan but kulang ng 5 months ang required 1 year na membership to avail the loan. gusto ko sanang bayaran yung kulang na contribution na 5 mos. para makapag-avail ako at makalipat sa bahay bago ako mag-overseas next year. thanks,

  • Ahrson V. Rebate

    dear Mam/Sir,
    Maytonong lang po sana ako, mayron po akong housing loan at nahinto po ang pag hulog ko ng mawalan ako ng trabaho. sa ngayon po ay nandito ako sa K.S.A nag tatrabaho, gusto kopo sanang ipag patuloy ang hulog ko. sana po ay malaman ko kong papaano at kong puedi kopong ipa re stracture. san po ang ofc ng pag-ibig dito sa Jubail City K.S.A. sana po ay matulongan nyo ako sa problema kong ito.

    Lubos na nag papasalamat at gumgalang
    Ahrson V. Rebate

  • Sherly

    Good day!I want to get a house & lot foreclose from pagibig financing here in Phase 4A Tieerra Monte Subd. Silangan, San Mateo, Rizal. Where I can get the list?Pls. send me coz im very much interested.

  • julie

    hello po,
    sa ngayon ay nsa ibang bansa po ako. bago po ako umalis, ngbayad po ako ng monthly due ko sa pagibig office before my duedate. ang alm ko po, 2years o 24 months nko ng babayad sa bank account ko sa 24check na na-issue ko sa inyo. kya sa ika 25 months ko, dumiretso ako sa pagibig office para magbayad. kaso after 10days after my due date, my dumating n notice ng pagibig n tumalbog daw checke ko, bk daw mging cause pa ng filling of foreclosure ng housing loan ko. masasabi ko pong good payer ako, kaya ngayon ay namublema po ako sa nangyari. ano po b posibleng naging dahilan nito at ano ang posibleng solusyon?
    umaasa po ako na mtulungan nyo ako.
    maraming salamat po.

  • julie

    hello po,
    ofw po ako ngayon. kakaalis ko lng po. bago ako umalis ngbayad po ako ng monthly due ko sa pag-ibig office. ang alm ko po kc, natapos ko n yung pagbabayad sa na-issue ko n 24cheke sa inyo. bale ang binayaran kong monthly due ay pang 25th month ko sa pagbabayad sa inyo.
    ngayon po, after 10 days of my due date. my dumting daw pong notice galing sa pag-ibig n nagsasabing tumalbog daw po cheke ko. nagulat po ako sa nangyari dahil ang alm ko ay nagbayad nko ng due ko at tapos n ang cheke ko sa inyo. ano po b ang posibleng maging dahilan nito at ano po ang gagawin kong sulosyon. dahil nkasaad po sa notice na baka mging sanhi daw ito ng filling of foreclosure ng housing loan ko. nakakalungkot isipin dahil masasabi ko po na isa akong good payer. sobra po ako nabahala sa nangyari.
    sana po ay matulungan nyo ako sa nsabi kong problema.

    • admin

      Hi Julie,

      Please check with your bank where you got the check. Did you deposit on that account before the due date?

  • Ariane

    V0luntary member po ak0.San p0 ba pwede mgbayad nang c0ntributi0n buk0d s pag-ibig 0ffices?hndi po kasi ntanggap ang landbank eh.

  • Rodel


    i would like to ask your advise. i owned already a certain lot. we have the title. i am planning right now to avail a construction loan. for more reference i am member of pag ibig for more than 10 years. i do not have any outstanding loa. i am no working abroad. sir. please advise me on how i can avail the said loan. what are the requirements.


  • julie

    hindi napo ako ngdeposit s bank, dhil ang alm ko po tapos n ang pagbabayad ko sa checks na issue ko sa inyo. kaya sa office nko ngbayad, dhil ang alm ko, wala ng i-incash n check dhil nka-24 months n ako. ano po b nxt move para ma-clear ko ang record ko?

  • marcelo on December 5th ,2010 5:00pm

    Sir/mam member po ako dati pero 5 years na po ang nakalipas hindi ko po ako nakapag hulog ng monthly contribution.pwedi po ba ako mag loan kung sakaling magmember ako ulit at bayaran ko na po yong kumpletong contribution sa loob ng 12 months.tapos magloan ako agad.

  • merle

    hello po,
    due date me po ng housing loan every 29 of the month. simula po ng oct 2010 until now d p po me nakabayad s pag ibig. may dumating po letter of cancellation kc daw po d p me bayad ng hanggang december at yung leeter po is from the developer. takeout date po ng housing loan me aug of 2006 p po. d p po natransfer title s pangalan ko more than 2 yrs n? ano po b dapat kung gawin? mabayaran ko din po ito lahat this december. makipag usap p po b me developer. s pag ibig n din po me nagbabayad matagal n. tulong po pls.

    • admin

      Hi Merle,

      I don’t get the whole story of this, but I think, you should discuss it with the developer.

  • Rebecca De veyra

    gud pm. ngayon na foreclose na ang unit namin, maka avail kaya kami ng MPL? at ang maturity claim dahil nag mature naman ang contribution?.

  • Christopher

    hi admin,
    I am Pag-ibig contribution member more than three years.
    I have housing amortization in bulacan two years ago.continues to pay monthly.No bank financing.Banks are decline.still developer taking the interest amortization.How can you help the pag ibig fund?
    I would like to request to apply in pag-ibig fund instead of bank financing loan? Thank you very much.

    • admin

      Christoper: Yes, sure, you can use Pag-IBIG for that. Go ask an assistance from your developer/agent.

  • zaldy

    gud am po. gusto ko po na makakuha ng rent to own na foreclose property ng pag-ibig sa intertown homes o peninsula o crdc dito sa pagbilao quezon sana matuluingan ninyo ako. salamat po

  • bochi

    question lang po.
    naaproved yung loan ko which is payable in 25 yrs, 2 yrs na kaming nagbabayad pero dahil sa trabaho ay kailangang lumipat ng tirahan. may taong interesado na mag assume nung loan pero gusto nya since sya yung magtutuloy ng pagbabayad eh mailipat sa kanya yung pangalan.
    pwede po ba yun?

  • jhayvee

    Good day, meron po akong existing pag-ibig housing loan, ang problema ko po since september hindi ko na po sya nabayaran. Ngayon po may dumating na demand letter na kailangan ko n pong magbayad dahil kung hindi maclolose na po ung bahay. Ano po ang pede kong gawin sa ngayon po hindi ko sya kayang bayaran may financial crisis po ako eh. Please give me some advise. thanks in advance

  • Eugene

    Hi Admin,

    Need help po kc for forclosure na ung property na inutang ng parents ko sa pag-ibig. I volunteered to assume paying for it pero nalula ako sa pinakitang figures sakin. umabot ng 1.2+ milyon ang inutang na 383k nanlumo ako. kung babase lang sa estado ng property at iaassess, ndi na akma sa sinisingil ng pag-ibig. pumunta na ako sa main office ng pag-ibig pero pansin ko na walang willing na tumulong at parang nagbabasa lang ng script ang mga assessors. Gusto kong sumunod sa tamang proseso pero kung susundin ko ito, ibabaon ko lang ang sarili ko sa utang na sa una pa lang ay kwestyunable na dahil inapprove ng pag-ibig ang loan ng magulang ko kahit ndi akma sa working age nila. Pareho na silang lagpas 60 years old pero kung susumahin 16 yrs pa lang ang loan period. Please advise. I feel na ndi ako tinutulungan ng pag-ibig. regards, Eugene

  • Adzmeer

    Sir, may unit po ako at awarded na sa akin, kaso lang may kulang pa po ako ng equity sa developer, ang nangyari kasi sir, elevated area po ang hausing namin sa cahaya timur subd.caragasan,brgy maasin, zamboanga city,nasa low pressure ang tubig, ayon sa plano ng developer mag lalagay sila ng malaking water tank para masupplyan ng tubig ang hausing na yon,pero hanggang ngayon wala pa, ano po ba ang magawa ng pag ibg sa kaso na to?

  • m.cinco

    good day po!i have a friend na na-foreclose ung property na ini avail nila tru i want to apply it uli sa pag ibig under my name anu po ba tamang procedure sa pag apply ng housing loan dun sa mga foreclose property na ng pag-ibig?please help..thank you.

    • admin

      m.cinco: Please ask your friend about the real status of that property. They may be given the chance to redeem it. Or else, you have to wait till Pag-IBIG releases the property for public auction or for sale.

  • michael manapat

    goodday po,ask ko lang po if there a foreclose house in GOLDEN CITY Sta.rosa,LAGUNA?

  • admin

    Hi Eugene,

    That figure is not surprising at all if the property has not be paid for a long time already. Think about the compounding effect of interest due and you know what I mean. That’s the reason most buyers will simply opt for foreclosure than save the long overdue property.

    Please have someone from Pag-IBIG explain it to you. There is usually someone in-charge on cases like that.

  • Ricardo

    good day pagibig staff,
    i have a problem regarding housing loan.i apply past 2yrs and then we receive a letter from pagibig since december 2010 and filinvest developer said that after 2 months i can avail the house but this month no result. my question is how or who will be the person in charge on that case.I am worry because it’s wasting time and money,although there is a letter but i am not sure when my family stay.Actually i’m a member of pagibig since 10 yrs..up to present but i hope that you helping me…….
    thanks and more power
    Respectfully yours,

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  • mika

    ask ko lng po kung makapagavail pa a me ng housing loan after ko i pa assume sa friend ko ang existing housing loan ko.medyo namamahalan na po kasi ako gusto ko kumuha ng mas mura ng kalahi sa loan ko now.di naman po sya foreclosure situation.

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    • marilou

      good a.m!si marilou teocson po ito isa sa nabili ng house and lot sa asiatic group and company. Ang bahay po ay nasa Dasmarinas ,Cavite.Di ko po na nababayaran ito for almost 5 yrs na,at two months na lang para mabyaran ko ang two yrs availment..Pwede ko pa po ba itong i recover?Gusto ko pong malaman ang new status nitong bahay…Need your reply soon thank you..!

      • admin


        Please coordinate with your developer and the Pag-IBIG Office in charge at that place.

  • Alex


    Please englighten. I applied for a housing loan before when i was still single, but decided to not continue and have not paid i think for 3-4 years already the amortization. I have not received any foreclosure letter though.

    I was actually paying the monthly amortization before with dissatisfaction because of the poor quality of the house and and i was waiting for someone to assume the place to no avail.

    Now, i am married and my husband wish to purchase a house and lot for our family, will my bad standing with Pag-ibig affect the approval of his loan application?


    • admin


      Just a quick reply only for you at the moment.

      No, it won’t affect HIS record unless you tack-in (meaning combine) your salaries to qualify for a bigger loan.

  • Odri

    Ask ko lang po, kung pwede ko pang makuha yung naihulog kong monthly amortization sa housing loan ko, kasi almost 3 years nang natigil ako sa pagbabayad. possible pa po ba yun? hindi na din po kasi ako interested na ituloy pa. thanks

  • http://na Dhon

    Ask ko lang po kung pwede ba ibayad ang credit card sa housing loan debt. kasi mukhang forclosure na kami.. kakaumpisa ko pa lang makaipon ng pera.. mukhang di aabot… pero may credit card ako.. thanks po.. more power

  • madz

    Good day! I just want to verify How long under the seller’s name yung title bago pwede maloan sa pagibig? im planning kasi to buy a lot sa cavite. But i was just informed na on process pa lang ang pag transfer ng title from the bank to the name of the seller. I heared po na it has to be 2 yrs under the name of the seller bago mailoan sa pag ibig.

    thank you.

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  • Manuel

    I applied for housing loan was granted way back 1995.Since I can afford to pay monthly amortization.Again,problem occurs monthly amortization was not able to continue.The actual amount of my housing loan was raised up to 300%.Again,re-apply and giving a chance for re-structure of monthly amortization.At this point i was able to met my target because i got a good opportunity of bigger income monthly amortization continue paying back 2007 up to 2009. Now, i cannot continue paying because my contract has completed.At my age at present I’m 63y.o.My question is this, is there any benefits as an OFW since my property forclose?

  • salvy arnaiz

    can the house of my relative loan throgh PAGIBIG be transfered to us if he is just paying it for 5 years

  • http://yahoo teresa

    gud pm po, my concern is that pwede po ba icontinue ng pag-ibig housing loan ang to be foreclose na gsis housing loan.

  • Abel

    Hi i am interested with Pagibig acquired asset but its status is occupied. how would be the process in acquiring such property.

  • Yolanda P.

    bakit po hindi nyo na tinatanggap ang payment kahit 2 months pa lng mahigit. kaya tuloy umabot na s 5 months ung unpaid bill ko. tapos gusto p ng developer ng subdivision na magopen ng bank account plus ung buong bayad kung ilang buwan hindi nakapaghulog? hindi ba panggigipit ang ginagawa ninyo? kasi imbes na makabayad na para sa bahay, kailangan pa ng additional na pera para sa bank account.

  • cyrus


    im from cebu and i would like to ask if kung na foreclose na yung property ko, di ko na kasi nababayaran ang mga dues ko sa pag-ibig. what will happen to me? mabla-blacklisted po ba ako sa pag-ibig? will i get sued or something? if meron ng naka kuha ng property ko, will i get something from it or what will happen to my currently status in pag-ibig? this might be some silly questions but i would appreciate an answer….

  • jepot

    Hi, gusto ko lang itanong if paano na fforeclose ang isang property?

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  • nina olea

    hi admin i would like to ask i would like assume a house and lot that is 7 months delay what is the requiremnts?

  • Ronald

    good day,

    member po ako sa pagibig for almost 5years updated po ang record ko kasi auto deduct po sa payroll ko. my monthly income is around 15k amount and my wife is a foreigner she get 20k in peso, 200 in dollar and 80k in yen. but she is not member in pagibig because she is a foreigner. we work in a the same company her in cebu. ang question ko lang po ganito. im i qualified to loan a house amounting 2.9 million pesos? and can i maximize my loanable amounting in 2million plus. granting that my monthly salary in our company is only 15k? but im sure to my self that i can pay it monthly due to me and my wife’s salary will be joined. please advice. thanx.

  • admin

    @Dhon: In most branches of Pag-IBiG, that’s not accepted at all.

    @madz: Have you tried to use the same bank used by the seller? It should be easier that way.

    @Manuel: I’m sorry to hear that. Unfortunately, there’s no special favors given to OFWs.

    @Salvy: By that do you mean you want to assume it? Definitely yes!

    @teresa: that’s quite complicated, but please check with Pag-IBIG and your elligibility.

    @Abel: Again, it’s one of those complicated issues of Pag-IBIG and in one article, I suggested that buyes should avoid buying those properties.

    @Yolanda: YOu have to coordinate this with your developer. I’m sorry, I can’t give an opinion based on incomplete data.

    @Cyrus: Yes, you are definitely correct in saying that you will be barred from getting another loan from Pag-IBIG. The property will now be owned by Pag-IBIG and suing you is not necessary anymore. Plus you need to give way if someone will buy it from Pag-IBIG because you are not the owner of that anymore.

    @Jepot: I will write an article about that one, but the it all starts with unpaid dues.

    @nina: First, you need to make sure that you can get a waiver of rights so that you will be recognized by Pag-IBIG.

    @Ronald: Please refer to this table shown here to determine your loan entitlement. Unfortunately, you can’t get a loan by saying to the lender that “you are sure you can pay for the loan” — they need some proof to back-up your claim.

  • mae

    Is Pag-ibig ID transaction card and NBI clearance valid for Multi-purpose loan application? thanks

  • Jec

    hi po

    what happens sa collateral namin sa pagibig na 400sqm lot now that the property was forclosed na? we are still staying in the property coz we have nowhere to go po.

  • che

    i just rent a house and would like to have my own in the future but i dont have cash to pay for the said down payment, instead of paying rent i’d rather get a housing loan coming from pag-ibig, is that possible? so dat we can move within this year?

  • admin

    @Mae: Please check this link for the requirements of MPL.

    @Jec: The purpose of the collateral is that it serves as a security to the lender in case you fail to pay for the loan. Unfortunately, in your case, Pag-IBIG may now be the owner of that property.

    @Che: Please be patient… you can have your own house in the future. At this stage, it’s better if you save enough money for the down payment and make sure that you have your finances in order so that when you apply for the loan, your chances of being approved will be high.

  • nard

    member po ako ng pag ibig for almost 5yrs.yung house po na gusto kong bilhin ay worth 1.2m ishoulder ba lahat yun ng pagibig.salamat po

  • Mark Emmanuel Vecina

    Kindly checked the status of lot 5 and 6, block 9. Phase 1, Section 6 at Belvedere Towne, Tanza Cavite, Are those land area already foreclosed? My father has already need payment amounted to 285,000.00 last CY 2006. however, due to financial crisis at that time, the monthly payment was stopped for more than 4 years. We did not receive any “notice of closure”. Are those aforementioned land area are still ours? Can we still avail of housing loan restructuring program?

  • admin

    You need to understand this article thoroughly: “Equity, Appraisal And Loan Amount – What You Should Know About These”.

    Please check it at the Pag-IBIG Office that handles that account.

  • Jec

    follow up question po..i just got a letter from BIR asking me to pay the taxes since 2009 up to this year for the collateral na lot wondering what happened coz as u said, it’s already PAGIBIG’s property now. any advice what to do po?

  • zarah

    hello admin..
    nagloan po yung sister ng husband ko.. nasa singapore po sila and ok naman po yung payment nila until nung bumagyo ng ondoy nasira yung bubong ng house and di na sila nag babayad ng monthly amortization. ang tanong ko po is magkakaron po ba sila ng bad reputation sa bank .. imean magiging positive po ba sila sa bankers association?

  • admin

    I can’t remember your case anymore. But you can check this one with Pag-IBIG. That letter may be sent automatically without them checking the real status.

    This is very big chance that their reputation with the bank (and other banks) will be tarnished. However, please check also what the insurance company (if they have one) is saying on this matter.

  • mr. alexis f. caballes

    To whom it may concern,

    Good day! Would like to ask your good company to know if there’s still available lots for sale preferably Morning Sun/Sunrise Location at Phase 3, Tierra Nova Royale, Bo. Bagumbong, Caloocan City, or any other properties with the same location which were left unpaid/unsettled/abondoned and yours truly is very much willing to continue it for housing loan…
    Your prompt response would be highly appreciated.
    Many thanks and best regards…
    alexis f. caballes

  • ettenyl

    i am paying the house for almost nine years under forclosure program…until now im still on this level..i am asking you, until when i should pay with this foreclosure program? this is so much…anybody can help us so we can start paying the regular monthly amortization….please…

  • ann

    Hi! Is it possible to apply for a housing loan if the lot is not under my name? It’s actually a 1 big lot divided to siblings and part of it was given to us. I was informed that if a lot has one title and was divided, you cant be have that part transferred under your name since it’s considered as 1 lot only. My question is, is it possible for me to apply for a housing loan if i only have an SPA or authority to build house from the lot owner?

  • Irwin

    good day sir! Meron po nagbebenta sakin na lote at gusto ko po ito i-loan sa pag-ibig. posible po ba na pati pampatayo ng bahay ay ma grant ako ng loan? salamat na marami!

  • vicvic

    dear admin:
    good day po! Meron na po akong hinuhulugang lupa sa isang developer. Almost 100k n po ang naihulog ko, kapag ipinasok ko po ba sa pagibig yung lupa ko para mapatayuan ng bahay maibabawas po ba ung amount nung property ung nahulog ko na 100k.

  • Gennie Reginaldo

    Good Day me and my husband would like to ask kung totoo po ba yung balita na yung mga foreclose na bahay ay ibebenta ng mura then mababa na yung monthly. Gusto po kasi namin sana kumuha ng husband ko.Member naman po ang husband ko sa pag-ibig for 8 years.and if ever po gusto po sana namin sa Golden City Sta. Rosa kami makakakuha. Salamat po!

  • Timothy

    HI admin..

    Ask ko lang po regarding sa Housing Loan… Im currently working in Saudi Arabia but im here already in pinas for my yearly vacation. Nag pareserved me ng Bahay sa agent ko sa may Lancaster Alapan Cavite ang name ng real states is PROFRIENDS… sabi ng agent ko mas magadan daw I-LOAN ko tru bank not in PAG-IBIG… actually 4 yrs na me my hulog sa PAG–IBIG. sabi sa akin kasi ng agent ko matgal daw ang pag pprocess ng PAG-IBIG in terms on Title dahil wala daw pondo ang PAG-BIG then same lang daw ung interest ng PAG-IBIG at BANK….

    Please help me…

  • Jhun

    Dear Admin:
    Dati po ako myembro ng pag ibig since 1992, na stop lang ako ng 2002 kasi po nag abroad na ako hanngang sa kasalukuyan. gusto ko lang po malaman kung valid po yon o kailangan ko pa mag hulog ng 24 monnth para makautang sa Pag Ibig ng housing loan.

  • admin

    It’s sad to say, but your agent is right about the processing time in Pag-IBIG and the comparable interest rate of the bank.

    Please refer your case to the branch where you are currently sending your payments.

    Unfortunately, that’s really not possible.

    Your past contributions are still valid, but please remember you need to be an active member to avail of the loan.

    It depends on many factors. Please refer that one to the Pag-IBIG Branch near you.

    It depends on Pag-IBIG’s appraisal of the property.

    You may want to read this article first about Buying Foreclosures.

  • Ahrson V. Rebate

    Dear pag-Ibig,,
    Mam/Sir Follow up of my letter last Nov, 2010 Regarding in my housing loan.

    Thank you Very much.
    Ahrson V. Rebate

  • jerime molina

    Good day,
    Sir/Ma’am,maginquire lang po ako about sa mga housing loan na hindi na po nababayaran yung mareremata na po.Para kame na po sana magpapatuloy

  • kris

    ilang years po bago totally maforeclosed ang housing loan? magpapadala pa po ba kayo ng notice or automatic?

  • Mon

    Good day po,Is it possible if I’ll let my sister assume my Pag-ibig housing loan for more than 2years and it is located at Bacolod City?She is also a Pag-ibig member for more than 5years up to present and she is working as an engineer in one of the stable electronics company in Manila.She is very willing to assume my house under her name in Pag-ibig.What are the requirements?In the future,I’m again planning to apply again for another Pag-ibig housing loan in Gen.Trias Cavite in order to transfer my residency there.Will this be possible and would not create any problem in my Pag-ibig status as a member?Thank’s and More Power to Pag-ibig Admin.

  • admin

    Yes, you can let her assume on that loan. Unfortunately, that could affect on future eligibility for a housing loan under the Pag-IBIG program.

    You will be sent a notification on the address you indicated on your loan application.

  • Noemi

    Hi admin,
    Under buyback period pa po ako, unfortunately di ako nakabayad at gusto ng Pag ibig i one time payment ko ung unpaid months, buyback penalty, at 6 months advance payment.. almost 100,000.. di ko talaga kaya..
    Pwede ko ba transfer sa ibang tao para bitawan ko nalang kasi masakit sa ulo di na po talaga mapakiusapan ang pag ibig…?

  • Shaina

    Good Am!I would like to sell the house & lot I bought in Bulacan thru pag-ibig loan. I’m a good payer for more than 2 1/2 years pero indi pa po kami nag-move sa house at wala pa rin sa pangalan ko! What will I do? (1) Do I have to coordinate first with Pag-ibig bago ko ibenta or (2) do I ask my developer or I must have a buyer first before i approach pag-ibig or my developer?

  • dang

    i haven’t paid my amortization for 4 months already. i’m planning to pay only 1 month of my dues. is it possible?

    please advise

  • desa


    i have seen this property and i really like it. But the owner told me that the property is for foreclosure and he has the right to redeem the property within a year. foreclosure amount is at 1.3. Im willing to shell out the 300k and have the balance financed by pag-ibig. can i apply for a loan for this? can you please send your response in my email ad ?

    thank you.

  • gerard

    If the property is already agreed to be foreclose, will the owner still have some rebates or a specific amount to receive from this arrangement?

  • admin

    Short answer is “No.” If the property is foreclosed, it means the buyer has been deliquent with the payments already.

    Let him redeem it first.

    Please consult with the branch near you. To be strict, all unpaid amounts are already due and should be paid at once.

    It’s best to coordinate with Pag-IBIG and yes, having a buyer already will speed up the process.

    Yes you can sell it, but you take note it’s not easy finding a buyer.

  • Aita V. Dumdum

    hi, gud day.
    pwede pa po ba akong mag apply ng housing loan? kasi po in way back 2005 nag- apply po ako but di po ntuloy ksi nag move kami ng, i assume na ok na kasi reservation pa lang naman ang naibigay ko worth 3,000.But when i check to PAG-IBIG, they are telling that i have an outstanding housing loan, so,nagulat ako kasi paano nangyari yun.Kaya ang tanong ko na lang ngayon ay: kung pwede pa ako mag apply ng panibagong housing loan? although na settle na naman po yun bi buyback ng developer,yan ang problema kasi bakit nakakalusot yan mga ganyan na kahit di pa kumpleto ang requirements na a approved.

  • tin-tin

    hi poh, ask lng po ako… kasi po i have a house loaned through pag-ibig,, hindi pa po ako tapos magbayad pero now po pinaparent ko sa presyong mas mababa sa monthly payment ko sa pag-ibig.. okay lng po ba yun? na i’m renting out my house though di ko pa tapos yung 25yrs payment ko?

  • admin

    Renting it out is a wise move on your part. Basically, you are already the rightful owner of that property even if you are still paying on your amortization.

    You are correct. Make sure that you account is clear on that issue and you should not encounter any problem with your loan in relation to that event.

  • Miles

    hi there!

    mam papno naman po kung naka in house financing ako ngaun tas gusto ko po i transfer sa pag ibig financing, pero hindi pa na aappraise ung bahay na nakuha ko. maaapprove po kaya yun?

  • irene tejares

    hi ask lng po paano ba mag apply ng housing loan sa pag ibig ofw po ako sa kuwait ano po ba ang requierments pls help me tnx.

    • trinidad baylon rico

      pipili ka muna ng properties na mgugustuhan mo, isend mo sa akin ang pangalan at # kung sino ang pwde mo i authorize dito sa pinas na pipili ng properties…kung magustuhan na nia ang property isend mo sa akin ang job contract,visa,proof of billing ng relatives mo dito sa pilipinas,,FOR MORE DETAILS PLS. CONTACT MRS. TRINIDAD B. RICO ON THIS # —number deleted by admin—.

  • Henry

    Gud day po tanong ko lang po kung meron nang housing loan restucturing program ang PAGIBIG gusto ko pa po kasi ituloy na hulugan yung bahay ko
    nahinto po kasi ako 2 years ago.


  • lowie

    Hi admin,

    Ask ko lang po, mag 1 1/2 years na po di nababayaran yung housing loan ko, ask ko lang po if gaano katagal bago makareceived ng foreclosure na sya? As of now kasi don pa rin kami nakatira at gusto ko lang lubusin yung pagtira don habang hindi pa sya naforclose, Tinatry namin ibenta pero walang gustong bumili almost 1 1/2 ko na rin yun pinopost sa internet. If ever na dumating yung letter na foreclose na sya, need na ba na umalis kami sa unit?

  • Lalaine

    hello, good day!

    May I ask a few questions:

    1. Would you know if a particular place is already foreclosed? what are the terms if I ever I decide to acquire a PAGIBIG housing loan for a foreclosed property?

    2. Can I apply for a loan to buy a house and lot in which, the loan would also cover the improvement of the house?Do I still need to have a collateral?

    Thanks in advance.

  • Joann Ignacio

    Hi! Thanks for providing useful informations.

    I just have a few questions ragarding housing loan:
    – Would you know what documents do I need to prepare in case I would like to sell/transfer my existing Pagibig Housing loan?
    – Would Pag-ibig assist me in securing/preparing these documents?

  • ricky

    hi good day ask ko lang po kung meron pong available sa st, joseph 6 butong cabuyao laguna na foreclosed na kase po ung kinuha kung bahay sa celestine homes five years na wala paring nangyayari nag bayad na ko ng equity down payment oldo nakatira na ko doon kaya lang walang kasiguruhan dahil nawawala daw ang titulo or binentahan ako ng meron na palang may ari tnx to your advise god bless po


    tanong ko lang po kung ilang buwan hindi nakakabayad bago ma foreclose ang bahay….

    and pwede ba mag pa recontruct ng loan kahit 2yrs palang nakakahulog?


  • admin

    That’s three months of consecutive missed payments. Please verify that status of your property first before asking for a loan re-structure.

    Please check those properties by asking some real estate agents in that place.

    It depends on many things. But most likely, you need to execute a Waiver of Rights. Yes you are right about getting an assistance from a Pag-IBIG personnel. As a matter of fact, both you and the buyer should go there to do this transaction.


    1. Pag-IBIG has a database of foreclosed properties. Go check it out at the branch.

    2. The Land Title itself is already the collateral, plus the house of course. The Home Improvement is just another loan on top of the regular housing loan.

    Actually, only 3 missed payments are needed for it to become a candidate for foreclosure. Sorry to say, but it should be under that status right now. But usually you will still be given the chance
    to redeem it. Please be informed also that once your unit is already foreclosed, you don’t own it anymore. SO please check it out at the office.

    Please check that one at the branch.

    Here are the documents required for the Housing Loan:

    YOu can always try.

  • querobin angeles

    tnx po..
    ano nman po requirements for reconstruction of housing loan… and ano po ba maganda gawin? ang contract ko kc is 20yrs gagawin kong 30yrs it is posible po ba?

  • querobin angeles

    may nalimutan po ako itanong, pwede rin po ba sa pagibig housing loan na quaterly ang payment? with interest na rin

  • cath

    Magandang umaga po.

    I received a foreclosure notice from Pag-Ibig for missing almost two years of payments on my amortization. I’ve had major health issues so I prioritized spending to keep myself alive first. Now I am back on my feet and would like to continue paying back my loan.
    However, when I spoke to a Pag-Ibig officer on the main branch, he is quoting me an exorbitant downpayment and six-month amortization just to allow me to continue paying for the rest of my 20-year loan. Lampas na yung interest and penalties na hinihingi nya sa original amount ng loan. Parang ayaw talagang magpabayad, he’s quoting half a million as one-time initial payment and almost 100k monthly for six months para lang umandar ang transaction, he keeps saying that’s the law, “wala na ibang options”, no one I can talk to, etc.
    I have valid reasons for defaulting, and I am now willing to pay back. I just want reasonable terms. Is there anybody else where I can appeal my case (please, not the same people in the foreclosure section) that would listen to reason and uphold the humanitarian cause of Pag-Ibig?
    Thank you.

  • admin

    First, I’d like to let you know that I feel for you. That was indeed a vrey difficult situation. However, the Pag-IBIG Guy that you talked to
    was just doing the job in his best capacity. They have to observe some guidelines and be very strict with it. I’m not sure who else you can talk to in this case. Maybe if you can find someone who is willing to buy your unit, and catch on the Pag-IBIG penalties, that would at least ease up the problem.

    Please check this link for the requirements:

    As to the quaterly payment, I don’t think Pag-IBIG allows that.

  • lara borlado

    good morniNg poh..
    tanong koh lng poh sana f kung my foreclose pa ba po bang unit d2 xa peace village phase 3 at antipoLo??may balak po xana kc kme maG loan ng husband koh….pls reply thank u!!
    have a nice day…GOD BLESS US

  • lara dollesin

    ask ko lNg po f kung my available unit pah po bang foreclosed here at peace village phase3 at antipolo????plz reply tnx!!!! admin

  • cath

    Dear admin,

    Thank you for the kind reply. Having someone assume the loan was one of the options I considered. However, the final price of the unit after computing in the penalties makes it more than twice the price of it’s original value. A bank wouldn’t touch it. The option of turning the loan over to a kin who is a pag-ibig member is not available to me since I don’t have siblings and my children are too young.

    I am be willing to pay the penalties, if there is no way they can be condoned. However, I cannot afford to pay the whole thing in cash in one fell swoop. I just wish for a restructure of the loan, with penalties and amortization spread out in manageable chunks. Even the strictest of banks have officials that hear you out and bargain for a win-win situation.

    There must be a mechanism, a forum, or a body where pag-ibig members can bargain or plead for consideration if they have justifiable reasons. I know that big developers and foreclosure speculators can get an audience all the way up to the pag-ibig board. Why is there no such mechanism for us, the common members of pag-ibig?

    I really need this info. Thanks again.

  • Robert

    Dear admin

    Meron akong nakita na nakalagay sa website ng pag-ibig na downloadable form:

    “Affidavit for Non-Payment of Monthly Amortization / Non- Availment of Any Previous Penalty Condonation/ Inability to Meet the Monthly Housing Loan Amortization – (FLH560)”

    Para saan po iyon, wala naman nakalagay? Hindi ba iyan yung hinahanap ni @cath?

    Halos pareho kami ng problema ni cath. Hindi ko rin mabayaran yung hininging one-time-payment halos isang taon na since foreclosure notice. Gusto ko sanang ituloy na lang muna ang pagbabayad buwan-buwan para hindi lumaki ang interest and penalties, ayaw naman tanggapin. Hindi yata interesado ang Pag-Ibig na bigyan ng pagkakataon ang members na makabayad pag nag-default, ang nasa guidelines eh bayaran upfront or surrender mo all rights (dacion en pago) kaagad. Bakit ganyan ang guidelines, diba dapat socially-responsible ang Pag-Ibig at hindi pera lang ang pinag-iinteresan?

    Interested ako sa kaso ni @cath, I hope bigyan mo kami ng update dito.

  • admin

    @robert and @cath:

    Actually, there is also a so called condonation program which allows you to restructure your loan. But ideally, restructuring should be
    done at the earliest sign of a financial distress. We hope to write an article about that one soon. Meanwhile, please visit your respective
    branch to appeal your case.

    Please check that one at the branch. They should be able to give you a list of foreclosed properties.

  • loaner

    Hi Admin,

    May nakuha kasi akong row house sa Sta Rosa last 2009 thru a developer with equity na hinulugan ko ng 1 year(2010). Natapos lang ang construction ng unit this year 2011 at na-release ang Pag-ibig Housing Loan ko last June 2011. Three Months na rin akong naghuhulog thru PDCs na sinubmit ko sa developer. Di ko pa natitirhan ang bahay at di ko pa rin naaaccept. Sa ngayon nagdadalawang isip na akong tirahan ang bahay at nagiisip na i-withdraw na lang. Di rin ako nagandahan sa pagkakagawa ng bahay. Ano kaya ang magandang gawin? Ano ang maipapayo mo sa sitwasyon ko. Maraming salamat sa pag-sagot.

  • lameseta

    Hi! I’m planning on selling my house and I have a few questions that I’m hoping you can answer for me:
    1. How do I go about listing my house for sale particularly getting an MLS #? Is there a fee for this? And is this the most advisable way to attract buyers?
    2. Aside from property taxes and capital gains, are there any major closing costs required from the seller? Do I only pay for capital gains if I sold the property at a gain? Is it true that transaction costs can be around 10% to the seller?
    3. I’m still paying the loan with Pag-ibig, can I sell/transfer this loan to the buyer?
    4. If I don’t find the buyer and I decide that the best way for me is just to let the foreclosure proceedings take place, how long does it usually take until we get booted out of the house?
    Thanks very much.

  • lowie

    hi, may housing loan ako pero account closed na sya..gusto ko sana mag MPL, ano ba pwede kong gawin? mag request ng certificate of Account Closed? Madali lang ba ung pag hingi ng certificate para makapag loan ako ng MPL?

  • anne


    i am an employed pag ibig member ask ko lang when we say “net disposable income ” paano ba ang computation ng pag ibig dun : gross + allowances + OT less deduction (like w/tax , sss contribution ,etc ).

    may other allowances din ako nakukuha aside from being employed .pwede rin ba yun isama sa computation ?

    i also have 2 active credit cards pero only one lang ang nagagamit ko. kailangan ko rin ba i declare yun ? kasama din ba sa computaion un ? or base lang talaga sa payslip ang ” net disposable income ” ?

  • admin

    The main point you want to raise here is that you don’t like the property that’s why you are discouraged from continuing the loan payments. Well, I hope you will not make the wrong move of abandoning your loan obligation at Pag-IBIG. YOu may do any of the following:

    1. Sell it.
    2. Improve the house to suit your taste.

    1. We are offering a FREE Listing Service here through our Pag-IBIG Marketplace Section. Please check the link:

    2. YOu can negotiate that one with the buyer.

    3. Yes

    4. Well, it depends. You will be notified, though.

    It’s based on the pay slip, but you can also bring your other proof of income if you needed a bigger loan amount.

    Yes, please request that one at the Pag-IBIG Office.

  • laine

    hi meron po akong nagustuhang unit house and lot but my problem is thru bank financing and in house lang ang payment nila..may question is pwede ko po bang i-apply housing loan thru pag ibig…thanks

  • lourdes rombawa

    hi , just heard from the radio this am, regarding properties foreclose, didnt get the website ..need to know the scheme of buying foreclose properties from pagibig interested ..need to know the lists of the properties..thank you so much.

  • rosalie marzan

    hi i have this housing loan last 2007 when i’m still single and after paying for two months through pag ibig i already sell this to my broker’s neice my question is what am i going to do to transfer the title to her name so i could apply for another housing loan in the near regards..

  • rosa

    hello how would i know if my buyer is still paying my monthly amortization since i haven’t yet inquire my status in pag ibig housing loan..and i lost contact w/ my buyer would it possible for me to pay the loan again or could u provide me a site to where i can inquire with regards to this..thanx po.

  • leamarie

    Hi, good day, pwede ko ba malaman kung ano-ano yung mga for clocure ng sss or pagibig in laguna area? esp in calamba or sta rosa? thanks a lot!

  • admin

    You have to check that one at their respective offices.

    Your buyer? I don’t get it.

    The broker should be able to assist you on that.

    The official website of the Pag-IBIG Fund is at Indeed, they have a list of
    foreclosed units there.

    Please ask them why they won’t accept Pag-IBIG Financing.

  • Maricel Villavelez

    Mam, ask ko lang ko since nahihirapan ako sa monthly amortization at nawalan ako ng work puede ko po ba idowngrade ang model house into much affordable unit. Monthly amortization ko po is almost 14k per month possible po ba isurrender ko ang unit at kumuha na lang ng panibagong unit na mas mura. At possible po ba na itransfer lahat ng naihulog ko if in case magrant sakin.

  • admin

    If you are still paying to the developer’s account, that may be possible. Please consult your agent/broker/developer.

  • http://google angelyn

    hello po ,pag-ibig borrower po ako ask ko lang po sana 7 months napo akong di nakakabayad at until 11-11-2011 e e-po foreclose nadaw po account ko kaso di ko kaya bayaran pa sa kataposan pa ng buwan ko kayang bayaran ano po gagawin ko para di ma foreclose account ko, ayaw ko naman mapa-alis sa bahay na tinitirhan namin ngayon..thanks a lot po.

  • belle

    Hi. I just want to verify if you have list of foreclosed houses in angono or antipolo area.? thanks!

  • dennis

    Hi Admin,

    Am planning to get a foreclosed property in the province, and the status is occupied. if ever makuha ko yung porperty, madali lang po ba paalisin ang kasulukuyang nakatira? anu po ba ang mga kaylangan gawin pra mabilis sila mapaalis?

  • dominic oxales

    hi..kindly send me a forclosed house and lot in calamba or cabuyao laguna..just send it to my FB account please..thank you..

  • Peter

    Question lang po, balak kong ipaassume yung housing loan ko. Incase makahanap ako ng magaassume at nagkapirmahan na, do I still need to worry if the buyer will really be paying the remaing balance or not?

  • admin

    You have to make sure that you get off the hook when you find a new buyer. Please ask the assistance of the Pag-IBIG Staff that handles your account. You should worry, because if he is delinquent with the payment,
    that means you will risk not getting another loan or even your savings with the Fund.

    Well, that depends if the occupant will cooperate with you. In most cases, they won’t.

    I’m sorry to hear that. If you said, it’s already foreclosed, then you can’t do anything about it anymore other than recover the property
    by paying the whole amount plus interests.

  • SJV7marinig

    Dear Admin,
    Maglilimang taon napo akong nakabayad ng housing loan ko pero natigil ang pagbabayad ko dahil humina ang kita ko. Sa ngayon umabot na ng 2 taon na hindi ako nakakabayad. Kukunin napo ba ito ng Pag-ibig? At ililipat sa iba? Ano po ang pwede kong gawin?
    SJV7 marinig

  • admin

    Most probably that property is already a candidate for foreclosure. Normally, you will be notified of your missed payments and what actions you can take to avoid losing the property. Please visit the office of the Pag-IBIG Fund that handles that account.

  • rizza pablo

    hi! may nirerentahan kaming bahay pero ang bayad napupunta sa developer at hindi don sa nakapangalan sa pag ibig..nagtanong na kami dati sa pag ibig kung ano ang status nito dahil gusto na din sana naming aplayan, ang sabi ng pag ibig antayin na lang daw naming maging acquired asset siya..iba ba yung process ng acquired asset sa foreclosure? kasi gusto talaga namin tong bahay at nagpasa na din kami ng letter of intent sa pag ibig na kami sana ang iprioritize kung sakali mang ma acquire na to ng pag ibig, how long does it take for it to be an acquired asset of pag ibig. can you give me at least the number of months of the processing time? thanks in advance

  • Maris Perez

    I received the take out letter from HDMF Sept 30, 2011. I’ve been paying my housing bill for the past months now and I can say of course that I am a good payor… My concern is for almost 3 months now, I am still waiting for the so-called “move-in”. It’s very frustrating on my part since I already waited more than 2 years to process the “take-out”. And now that I granted “take-out”, am still waiting again for “move-in….
    I’ve read HDMF Circular No. 259 Article 5 on Warranties and Section I. Delivery of Accounts and Occupancy of Units. It clearly states that:

    The developer shall turn-over the properties to the member-borrower upon release of the take-out at proceeds and the member-borrower can occupy these properties IMMEDIATELY!

    How immediate is this IMMEDIATELY?…..Don’t you have sanction for this kind of developer?…

    Hope you could help!

  • miralyn morandante

    i want to avail housing loan, but i dont have yet a job..but im searching and i’m entering a networking business. beside of that my boyfriend in abroad who support with me. i had more than a year contribution.what should i do to avail the housing loan and what are those requirement i need to comply.thank you. i live in davao del norte

  • jen

    hi i just want to ask kung pwede macheck online if a property is already foreclosed or a candidate for foreclosure?? thanks..

  • admin

    That’s not possible yet.

    It’s very important that you can prove the Fund that you have the means of paying the loan. And that means, enough income.

    YOu may want to bring this matter to the branch that has the jurisdiction of the project.

    There is no exact time frame when it comes to the foreclosure process. All you can do it follow it up at the Pag-IBIG or if it is under the Back-back guarantee program, you need to check it with the developer.

  • rey

    Hi Admin,

    Inquire ko lang kasi I just received a letter from pagibig na for forclosure na yung property na ni-lend ko sa kanila so from what I understand, di pa sya na-forclosed (correct me if im wrong though). theyre now giving us 15 days to pay. ask ko lang kung is it possible or kung icoconsider pa ba nila kung mag pay ako ng kahit 50% dun sa kakulangan ko? Almost 2yrs na din kasi ako di nakakabayad ng amortization due to financial crisis so medjo malaki na sya at di ko kaya mabayaran in full. Just noticed sa ibang comments kasi na di na nila tinatanggap yung mga gusto magbayad (forclosed properties) kahit willing to pay pa sila.

    And matanong ko nalang din, applicable pa kaya yung account ko for restructuring? Di kasi talaga ganun kadali bayaran lalo na kung full payment ang gusto nila. Im looking forward for your advice admin and I thank you in advance.

  • anzwer dela cruz

    hello. i would like to inquire how to avail of your housing loan restructuring package. my wife’s housing loan is 8 months past due. is it possible to negotiate for a restucturing program wherein we pay the the 8 months past due on a staggered basis say 6 mos and at the same time pay the current monthly ammortization? thank you…

  • Pingback: Pagibig Financing » Home Loan Restructuring Program()


    hi admin ask kolang po kung nasa acquired asset napo at foreclose ng yong blk.7B LOT 20 SA KINGSTOWN 1 KC GUSTO PO SANA NAMING KUNIN DAHIL KAMI PO ANG NAGTATANIM DITO.

  • Jhame

    i need some advice, here’s the situation.
    yun developer ng binili kong property is kumuha sa akin ng 27 checks, the 3 checks is pag nagkamali daw sila ng sulat or something. nawala sa isip ko na 24 lang pala. ang nangyari tuloy-tuloy lang ako nagbabayad. hindi na pala nagwiwithdraw sila. dapat after ng 24 checks is sa pag-ibig na, so dahil endi ko naasikaso, i think nag-lapse na ako ng hulog sa pag-ibig ng 3 months. ma-po-foreclose na po ba yun?

  • admin

    Yes you can restructure that loan. So please visit the office as soon as you can.

    I hope you were able to read this article on home loan restructuring program:

    Please check it with your developer first and then to the Pag-IBIG Office.

    Only the Pag-IBIG Office at the branch can answer that one.

  • marissa u.

    ask ko lang po kung may mga foreclose property po kayo na for sale sa camella sorrento bacoor cavite. thanks po!

  • Josephine

    Good morning ADMIN: Josephine from Cebu City
    – Two years ago I applied through a Developer (Window 1) of a Housing Loan and PAG-IBIG Fund Approved and it was TAKE-OUT.
    -The unit was RFO so after 2 months of reservation and paid all the necessary misc, I was granted with Occupancy Permit and occupied the house.
    -2 months after: need to PAY both Monthly Equity and Monthly Amortization.
    -It was actually OK but I went to Manila to grab the oppurtunity that was being offered and my husband currently working abroad.
    -We decided to let the agent of my developer to find someone to ASSUME the house and FORTUNATELY found the SAVIOR.
    —-Please we need your advises, do I need to go to my DEVELOPER to request the TRANSFER to the person who assumed to clean my name in your office and once again can still avail housing loan? If so, how will I know if it was successfully transfer, do we both need to come to your office (me and the person who assume)?

  • Pia

    nagre-rent kami sa house na sabi ng mga kapitbahay ko eh hindi naman binabayaran sa pag-ibig ng may-ari. So they advised me na applyan na lang yung bahay as “rent-to-own” pero nun nag inquire yung tatay ko sabi wala na daw rent to own ngayon. im not sure pero i think sabi nila eh aapplayan mo ng panibago yung bahay. what would be the scenarion then? interested kasi ako kasi sobrang mababa lang ang monthly amortization ng bahat na yun, maliit lang naman kasi pero yun lang kasi ang sure ako na kaya kong mabayaran kasi single mom ako… kung sakali ba na maapplayan ko yun (as new), same monthly amortization yung ibibigay nila saken? first owner yung may ari ng bahay. they’ve had it for about 8-10 years now at sabi ng kapit bahay ko hindi pa lalagpas ng 1 taon na binayaran yun pero nun pinuntahan ng tatay ko ang pagibig sabi nila di pa daw foreclosed yung property? bakit po kaya ganun?

  • Jethro

    Magandang umaga po sa lahat. may bahay po ako sa san pedro laguna na hinde ko n itutuloy. sept 2011 ko lng sha di na nabayaran. kung may gusto po magtuloy. mngyaring sabihan nyo lng po ako. kahit ibalik nyo n lng ung naihulog ko. 2009 ko sha sinimulang bayaran. 5500a/mo lng. up and down na.maraming salamat po.

  • Angela

    Good day! I have a housing loan that ive been paying for 3years. Next year, my company will offer a housing program for us which i want to avail bec it is located in qc unlike the first one in rizal. I cannot pay for 2 housing loans. Can i stop paying for my current loan without bad records? And have a new housing loan for a new property? Pls advise. Thanks.

  • sarla cua

    Hello po..
    I am interested sa house & lot located at B42 L22 Ph2 SJV6 butong cabuyao laguna with HLID# 315009101018.
    I am a pag -ibig member and I would like to know how much would be this house and lot cost if applied to my pag-ibig… how much would be the downpayment? my monthly fees etc…
    thank you

  • shalice E.Aguillion

    gudpm po ask ko ung bahay ng mama ko kc mag dalawa taon n sya patay kaso dp kmi nagpapasa ng MIR hanggang ngaun panu b ung monthly bill nun tuloy tuloy b un at kylan isasakop ng insurance ang bhay cmula b nung date n nmatay mother ko khit d agad naipasa ang papers ng MIR?

  • Jethro

    Ano po mga kailangan kong gawin kung sakaling di ko n itutuloy ung bahay na hinuhulugan ko? 3 years ko n din sha binabayaran. para ma clear name ko sa pag ibig. Thanks in advance.

  • frankie trinianes

    gud pm po ask me lng po kng foreclosure n po tong unit n ms. rosita cardinoza s block 28 lot 34 sarmiento homes muzon, san jose del monte bulacan. gusto ko po kasing kunin.. salamat po.

  • mauwi

    Upon having someone interested in assuming my pag-ibig housing loan, what are the legal processes/ step of selling the property? What are the documents that we need to complete and who should be responsible for it?
    What about the loan, would it still be reflected in my account? What will be my assurance that this will no longer be used financially against me, say upon my retirement, what will happen to my retirement benefits?

    Please do send me a reply, you will be a very big help. Thank you very much in advance!

  • Cez Baleña

    I’m 14yrs member of pag-ibig even up to now…. but I did had a case where I had an approved housing loan where I failed to pay amortization nor even take out the property for almost 10 months now……I know I’m already have delinquent record in pag-ibig,is it forever record of mine?……. another question was will there be other ways to clear my records? what if I’m no longer interested on the said property, were there any way for me to have approval once a file for another housing loan? Please Help!

  • mauwi

    anybody interested to buy (assume bal.) a house and lot in ph6, mabuhay homes, mamatid, cabuyao, laguna. 25 yrs to pay naka 6 yrs na nagbabayad, 55 sqm, 40 flr. area. pls contact me 0933-3434577.

  • don & karen

    I would like to ask what is the process and document in assuming a housing loan. My wife and I are both Pag-ibig members and wish to purchased a house and lot that is being sold and we are considering this as an option

    any help would be greatly appreciated

  • tess algaba

    my husband has a loan mortgage that payable within 15 years..we decided to make it longer up to 30 can we make it to 30 yrs?..we already paying our loan for almost a year..what will happened to the payments that we’ve made?pls give us info about this.thnx

  • admin

    That falls under the restructuring program. Please follow the link below to know more:

    First, you need to be a member for at least 24 months. It would help ifyou have enough income to cover the monthly amortizations. It would also
    help if you are aware of the process. Here’s a link:

    Once you attend a loan counseling seminar, I would suggest that you ask about the other details from there.

    Yes, it’s forver until you surrender the property to them. Please visit the branch for details.

    Please visit the branch that has jurisdiction of your property. Together with your buyer, you should discuss the details there.

    Eventually, it will be foreclosed. You can surrender it back to the Pag-IBIG or you can take advantage of the restructuring program.

    That link should be of help to you.

    Sorry to hear about that. But, I can’t comment on that since I don’t have the full details. Please refer it to the branch.

  • Darren

    Hi,, i’m from Angeles CIty.
    Can i avail housing loan for purchase of lot and construction of house under these provisions:
    > Lot is under the name of my uncle
    > The house is already under construction, my uncle finances it.
    > The permits for the construction of house are named under my uncle.
    > My uncle is not a developer.

  • Jethro

    Thank you for the information Admin. What will happen if I surrender it to pagibig? Will I get anything back? May makukuha po b akong pera? thanks in advance

  • juan atienza

    I have a housing loan that was foreclosed in late 90’s when i was still working as a government employee. Now, I am working overseas for 10 years now. Can I register again with Pag-ibig, this time as OFW, pay the monthly contributions so that I can apply for another housing loan?

  • Gail

    May problem po ako bale hinabilin skin ng mama ko at sa tita ko yung payment or monthly amort ng bahay nya sa cavite.ang nangyari hindi nakakabayad ang tiyahin ko.Bale last november 2010 pa po ung huling payment.Nasa 36000 po yung utang namin n s monthly amortization at may notice for forclosure narin po kami.Masusurvive po kaya un?At paano po? Maraming Salamat po s sasagot.And full payment po ba dapat required s amort?

  • help…

    Good am.
    may problema po ako sa housing loan ko, 18 mos. na po di nakakabayad dahil sa financial problem, kaya po nagdecide po kami mag-asawa na mag saudi as housekeeper, ang problema po, gusto namin ng bayaran ng bahay sa pag ibig pa unti-unti. Wala po kami kamag anak na pwede ko pagkatiwalaan na bigyan ng pera at ibayad sa pag ibig. Pwede po ba na bank to bank ang mode of payment..pls. lang po, ayoko mawala ang bahay na pinagsikapan ko na makuha. Anu po dapat namin gawin

  • Hatse

    Good day po.. yesterday I received a letter from PAGIBIG office. Indicated in the letter my house mortgage bill which I haven”t paid from Feb 2011 to March 2012 na po. The letter says it’s a FINAL/LAST DEMAND or else they will foreclose our house and take legal actions as stated. I am only given 10 days to pay my balance. Help po if may pwede pang gawin about this… I can’t really pay it in full and I don’t want to loose the house. By the way, we assumed the house from someone po before. The last time I paid for the house was last Jan 2012 I paid partial only. That was for Oct.- Dec 2010 payment they said. And now another 1 year and a month na po na di ko nababayaran uli. Can I still do pay in partial for our house not to be forclosed?

  • admin

    The last resort you can take is to restructure your housing loan. Please refer to the link below.

    Yes, it’s possible to pay to the bank or arrange an auto-debit program. Here are other ways to pay the Pag-IBIG Fund:

    I think you have a similar problem with @Hatse above. Make sure you visit the office as soon as you can and the avail of the
    Home Loan Restructuring.

    Yes, that’s possible. And make sure that you simply continue with your regular Pag-IBIG membership and not the Pag-IBIG OVerseas Program.

    What happens is that you will be cleared from the loan, but you can’t get any refund whatsoever.

    Why not just wait till the house is finished and then buy it from your uncle? That would be easier.

  • ace

    Hi Admin,gud eve.may nais po sana akong malaman at naway matulungan po ninyo ako. Mayron po kasi akong kaibigan na kumuha ng housing sa pag-ibig,matagal na daw po nila itong hindi nahuhulugan. kaya inofer nila ito sa amin,at nakapagbayad nadin po kami sa kanila ng malaking daw pong ibinayad namin sa kanila ay para sa nagastos nila don sa bahay, kung baga ibabalik lang namin sa kanila lahat ng nagastos nila sa bahay.ang sabi po kasi nila ay kami daw po ang siguradong sususnod na makakakuha ng bahay kapag sinamahan nila kami sa mismong OFFICE NG CARISSA at ipaalam doon na kami na ang susunod na kukuha ng bahay. saka mas mura na daw po itong makukuha. totoo po bang lahat ng mga yon?

  • clicks

    Magandang gabi. tanong ko lang po , once na ang isang bahay po ba ay naipasok na sa pag-ibig, may karapatan pa po ba ang office ng carissa na ireserve o ibigay ito sa susunod na gustong kumuha ng bahay dahil sa hindi na ito mahulugan ng naunang may-ari sa pag-ibig? o wala ng karapatan dahil pag-ibig na ang magdidisisyon nito?
    sana po ay masagot nyo kagad ang katanungan ko.may suliranin po kasi ako patungkol sa bahay na kinuha ko at gusto ko pong makasiguro sa ibinayad ko.nagbayad napo kasi ako ng malaking halaga sa nagastos ng unang kumuha ng bahay,gusto ko po kc yung bahay at skin daw yun irereserve ng office ng carissa pagpunta nmin don.nawa’y masagot nyo kagad ako at maraming salamat.

  • clicks

    gud am.bkit po yung naipost kung question kgabi
    ay nwala? hindi pa po nasasagotyung tanong ko.kailangan ko po yung sagot.pls..

  • clicks

    ay akala q nwla, d ko kasi makita kanina,sana po masagot nyo agad.maraming salamat po

  • Mael

    Good day po. I called PAGIBIG office yesterday. I have a defaulted amortization of 13 months. From Feb 2011- March 2012. The attendant asked me to pay atleast 11 months of my account to update so they can not endorse my account by June for foreclosure. I was aware of the 1 year redemption period they give to the borrowers. I told her that I can only give atleast 3 months payment before June this year. She told me that there was no assurance for that, and if it will be endorse for foreclosure, I can still redeem the house and pay for my defaulted amortization plus the litigation fee. By the way, I talk about this to my husband, we agreed to continue paying every month.. Prioritize the monthly payment kahit endorse na for forclosure but within that 1 year given period for redemption we promise to redeem the house sooner. Is this okay po bah? Ang sabi kasi nang office I will not be granted restructuring kasi di naman ako yung orginal borrower. I just assume the house.

    My question is how much po bah usually is the litigation fee?

  • admin

    First things first: Why would you pay for it since technically it is not yet yours?

    Sorry, but I think there are some information that you may not have mentioned relating to your transaction. Please coordinate with Pag-IBIG and the developer.

    If you have some doubts, listen to your feelings and keep your money in your pocket.

  • Jen

    Good day! Ano po bang mangyayari once na foreclosed na yung house? Diba po bah may 1 year pa pong chance na ma-redeem yung house? Ano po ba yung processes to redeem the house?

  • admin

    You may still have a chance to redeem it if it was not yet awarded to a winning bidder. Please read this article about housing loan restructuring and condonation program:

  • Ma. Juliane Quijon

    Gud pm po! Gusto ko pong makakuha ng foreclosed unit sa may Santa rosa languna or puting kahoy cavite. San po ba ako dapat pumunta or mag inquire at gaano kabilis ang pagproseso ng papers. Malilipat napo ba agad sa akin ang pangalan at titolo just in case e cash po ung unit? Salamat po.

  • admin

    In case you’ll pay in spot cash, the title should be released in no longer than two months. And if you want those kinds of properties,
    please inquire at the respective branch that has jurisdiction in those areas.

  • Juliane

    Magandang gabi po. Naghahanap po ako ng unit sa may sta rosa along San Lorenzo. Foreclosure unit po.
    Salamat po. Pwede pa text na Lang po ako. # 974-77972755 salamat po.

  • jen

    Good day! Would like to inquire what are the step by step procedures in a foreclosure, like what happens after the receipt of the notice of foreclosure up to the evacuation of the unit – the timelines.


  • admin

    You are still given the chance to redeem the property. Otherwise, it will be subject for bidding. Once there is a winning bidder, it goes to him, you may be asked to vacate the property. If no winning bidder, the Pag-IBIG take possession of the unit.

  • Celes Payopas


    I would like to ask if there are foreclosure in St. Joseph, Langgam, San Pedro, Laguna. Thanks!

  • Corin

    Hi Good day! Magtatanong lang po sana ako regarding po sa loan ko po. na take out loan na po kame this may of 2012 and till now hindi pa rin po kame nakakalipat kasi nga po may complain po ako sa house. the problem now is possible po ba na magpa transfer po kame sa ibang place po? kasi po nag wowork po ako sa makati then yung house po na nakuha namin is sa naic cavite po and then I realize na sobrang layo po sa work ko po. baka po kasi sa expenses ko pa lang po sa transportation is not enough po para makabayad sa amortization po namin at yung asawa ko po kasi is mag resign na po sya sa work niya sa abroad po this year po. baka po kasi hindi namin kayanin ang pagbayad ng buwan buwan na amortization dahil po yung sweldo namis is kulang pa po sa sweldo po namin. gusto ko po sana magpa transfer near in my work po sana. please help me po regarding this matter po. thank you so much po admin.

    • admin


      You should have considered the distance before you bought the property. Anyways, you can still sell it to someone.

      • corin

        Good Morning Admin,
        I considered naman po the distance. kasi po biglaan po kasi yung pag resign ng asawa ko po sa work niya po sa abroad and wala pa po kame masyado ipon. baka po kasi yung salary ko is kulang pa sa pang araw araw ko po. possible po ba na magpa transfer po ako sa ibang location po? may concern pa po ulet ako admin, nag start po ako magbayad ng monthly ammortization nung november 2010 sa developer po ako nagbabayad po. paano po yun? mapapasok po ba yun sa HDMF po? this June of 2012 lang po nag start yung payment namin thru PDC check po. paano po yung binayad namin sa developer po? please help me po admin. thank you po.

        • admin

          Hi Corin,

          The first thing you should check is whether or not your developer can help you with Pag-IBIG Financing. Some agents/developers do it as an extended assistance to their buyers. You can transfer anytime, but I guess, the best way to approach your problem is to just sell the property.

  • Cathycute

    Hi good day!we are about to request a housing loan s pagibig. just want to ask, how much ung maibibigay samin na amount, for construction of a 2 storey house dun s 100 sq. Meter lot under my husband’s name. He has more than 48months of contribution. Salamat po and more power

    • admin


      There are a number of factors that affect the loan amount that will be granted. The most important of this is your income. And by the way, the maximum loan amount is now raised to P6M.

  • Christy

    Dear Sir/madam,

    i would like to ask, regarding the monthly contribubutions , do i need to pay my monthly contribution as a membe, even im paying monthly for my amortization for my Housing loan?

  • jane

    hello po,
    tanong ko lang po kung may foreclosure dito sa phase 2 ext.mabuhay city mamatid cabuyao laguna.ano po bang website para sa mga list ng mga open houses ngayon?

    thanks and more power!

  • emily

    Hi Admin, i am 3months (june-aug 2012) behind for my monthly amortization due to unexpected events. but i can pay now for the full 3months by 1st week of sept and the monthly amortizations moving forward. My questions are:
    1. can i pay for the full 3months in arrears instead of applying for the loan restructuring?
    2. when i pay for the 3months, will my loan still be in default?
    Thanks in advance!

    • admin


      It’s already in default, but you can negotiate that one at the branch. With so many problems they are attending to, they should consider your case.

  • carol

    tanong lang po 4 years na di ko nababayaran ang property ko di na rin ako nakatanggap ng mga notices ibig bang sabihin foreclosed na property ko…sabi kasi nila di na daw tatanggapin kahit i update ko to

    • admin

      That’s already a very long time. It should be foreclosed by now. But you can go and try to negotiate with them.

  • Nina

    Hello po…naipahiram po ng mr. ko ang pagibig loan sa sister ko…kaso po nagkaproblema hindi napo nahulugan ng sister ko…pano po ba yun? 5 years na po un..gusto po kasi sana naming magloan para po samin..wala naman pong nadating na sulat mula sa pag ibigna kung ano ng nangyari dun sa lupa…ano pong dapat gawin namin..?

    • admin


      Sorry, but I don’t understand your question.

  • http://yahoo joel pablo

    gud day po! kumuha po asawa ko sa pag-ibig hdmf na fore closed napo…ngayon po ako naman po ang kukuha sa hdmf pewede papo ba ako mag avail? natatakot po ako na hindi ako maka-avail dati po kasi kinuhaan ako ng itr/payslip para combined income namin mag-asawa para maapproved yung hdmf loan nya dati na ngayon ay foreclosed napo. salamat pa

    • admin


      In that case, you are not allowed to get a home loan anymore.

  • paul

    Could you please help me, if there is foreclosed available lot or house and lot near to our town
    balungao pangasinan or rosales pangasinan

    thanks, hoping your response

  • Frederick Ricafrente

    may housing loan po ako sa tahanang yaman, gen.trias, arrears pong 46,000.00+.pnagamit ko lng po ang pangalan ko sa isang kaibigan para maka-avail ng housing loan dito, kaya po sa tuwing mgloloan ako ay di ako maapproved dahil d ito nkakabayad.puede po ba kayang i-cancel na ang housing loan na ito dahil ako din ang apektado sa d paghuhulog dito.ok lng po ba na hayaan ko na lng maforeclosed ito.salamat po.

  • miriam r. de vera

    gud day po.myhousing loan po ako at foreclosed n at dko nrin po kyang byaran dhil sobrang laki n nagkaroon po kc kmi ng financial problem.npamahal npo sa amin ito ay ng my nagpunta d2 pag-ibig isang option eh isurender ko nlng kung tlgang dko n ung asawa ko mag file ng loan.ano po b mga gnun..salamat po pls. reply..God bless..

  • kenny unay

    Gud pm sir, pwede po bang mag ask kung anu ang rights ko pumasok sa bahay na naforeclosed? kasi po yung bahay is nakapadlock siya at pinuntahan ko n ang place na sabi dun sya nakatira,subalit itoy wala n at nasa cagayan de oro na sila. Ang ginawa ko minessage ko sa facebook pero hindi sumagot. Nagsama kami ng witnesses sa pag open ng bahay para ma inventory ang mga gamit nila dun at pinanotaryohan namin sa abugado, pinasok po namin dahil matgal n daw walang nakatira dun at posibleng marami ng sira, kaya nilinis namin ang bahay pati pinalitan namin ang bubong na nasira at tinanggal namin yung lagayan ng cabinet sa taas ng kusina na bumagsak na dahil sira na kaya tinapon n rin namin. Lately lang tumawag ang may ari n s akin galit n galit bakit ko daw binuksan ang bahay at pinapabalik sa dating ayos ang mga gamit nila pati na rin ang padlock. anu po ba ang dapat?

    • kenny unay

      tapos po yung bahay kasi na naforeclose na binayaran ko kulang pa po ako ng 33k para makompleto ko syang bayaran pero this month bago magkatapusan babayran ko n ang kulang ko

  • kenny unay

    Anu po macocomment nyo tungkol dito?ang alam ko po sabi nila hindi sila aware n foreclose n bahay nila dahil walang notice na pinadala sa kanila,anu po masusuggest nyo?

  • kenny unay

    Gud pm sir, pwede po bang mag ask kung anu ang rights ko pumasok sa bahay na naforeclosed? kasi po yung bahay is nakapadlock siya at pinuntahan ko n ang place na sabi dun sya nakatira,subalit itoy wala n at nasa cagayan de oro na sila. Ang ginawa ko minessage ko sa facebook pero hindi sumagot. Nagsama kami ng witnesses sa pag open ng bahay para ma inventory ang mga gamit nila dun at pinanotaryohan namin sa abugado, pinasok po namin dahil matgal n daw walang nakatira dun at posibleng marami ng sira, kaya nilinis namin ang bahay pati pinalitan namin ang bubong na nasira at tinanggal namin yung lagayan ng cabinet sa taas ng kusina na bumagsak na dahil sira na kaya tinapon n rin namin. Lately lang tumawag ang may ari n s akin galit n galit bakit ko daw binuksan ang bahay at pinapabalik sa dating ayos ang mga gamit nila pati na rin ang padlock. anu po ba ang dapat?tapos po yung bahay kasi na naforeclose na binayaran ko kulang pa po ako ng 33k para makompleto ko syang bayaran pero this month bago magkatapusan babayran ko n ang kulang ko

  • http://yahoo Allan Modino

    naghahanap ako ng foreclosed na bahay dito sa Santa barbara villas 2 brgy silangan san mateo rizal. gusto ko kasing kumuha ng bahay. at kung meron ano ung gagawin ko para makuha ko. maraming salamat.

  • Marilyn Reasonda

    Good evening po admin tanong ko lang po yun housing loan namin 5 mos. na kami hindi nakabayad tapos may natanggap ako letter na ipinasa na raw nila sa Collecting agency eto at kailangan may PDC na . Halimbawa po etong susunod na buwan mababayaran ko lang ay mga 2 mos. then sa susunod ganun po ulit pwede po ba yun bakit po kailangan sa Collecting agency na agad wala ba kami amnesty man lang?

  • beth g. owit

    Good morning po,

    A friend of mine emailed me that she received a notice of foreclosure regarding her house and lot. She’s so worried that there’s nobody to attend to her problem since she is on scholarship abroad. She requested me if I could help in transacting business on her behalf. I know very well that doing so would require a special power of attorney (spa).

    In the absence of spa, i-honor po ba ng Pag-ibig ang mga transactions ko on behalf of my friend?


    good day !naguguluhan pa rin po po ako doon sa processo ng pag bili ko ng bahay dito sa dasma,5 yrs na ang nakaraan. si
    guro po ay foreclose na ito.Baka po pwede na i refund ko na lang equity i paid as down payment for 1 yr.I need more information from you ..Thank you…!