The Pag-IBIG Multi-Purpose Loan

So far on this website, we have mostly focused on topics related to Pag-IBIG Housing Loan. That is indeed the most popular service or benefit available only to qualified Pag-IBIG Members.

The other popular program is the Multi-Purpose Loan (MPL) or sometimes referred to as Personal Loan. The Pag-IBIG Multi-Purpose Loan is essentially a financial assistance to Pag-IBIG Member that they can use for any of the following purpose:

1. Minor Home Improvement – Take note that this is only for minor home improvements. For renovation works requiring larger amount of money, you may want to avail of the Housing Loan for Home Improvement.

2. Small Business / Livelihood Financing – Good news to those who run small businesses or those planning to have one. You may use the proceeds of this loan to finance your small business venture whether it is for expansion or for initial start-up capitalization.

Pag-IBIG Personal Loan

3. Medical Assistance – If you find yourself in need of money for that medical bill, Pag-IBIG Multi-Purpose be of help.

4. Educational Purpose – You can even use it to finance your education.

5. Purchase of Appliances and Furniture – This refers to those toys that you have been wanting to buy.

6. Others – The list could go on. Actually, there can be many other things you can use that loan for.

Loan Amount, Interest Rate, Loan Term

Your loan entitlement depends on the number of contributions made and the Total Accumulated Value (TAV). Remember that TAV is defined as the member’s personal contributions, the corresponding contributions of his employer and the total dividend earnings.

So, how much can you loan exactly? The list below serves as reference.

  • 24 to 59 months contributions = Up to 60% of TAV
  • 60 to 119 months contributions = Up to 70% of TAV
  • 120 months contributions or more = Up to 80% of TAV

As you can see, the longer you have been contributing to the Fund and the larger the amount contributed, the bigger loan amount is also available to you.

The one nice thing about the Pag-IBIG Multi-Purpose Loan is that the interest rate can be as little as 10.75% per annum. That’s one of the most competitive rates in the market you can find.

The loan is to be amortized over a period of 24 months.

Loan Payments and Penalty

Paying for the loan is easier for those who are employed: payments can be done through salary deduction.

However, if you are voluntarily contributing, the following methods of payments are also available.

  • Over the counter
  • Auto-debit arrangement with accredited banks

A penalty of 0.5% of any unpaid amount shall be collected from the borrower for every month of delay.

How To Apply For Pag-IBIG Muti-Purpose Loan

1. Secure an MPL Application Form and checklist of requirements from any Pag-IBIG Fund Office.

2. Accomplish and submit the Application Form together with the requirements at the servicing branch.

3. Wait for the Loan Approval based on the date reflected on the MPL Acknowledgement Receipt.

4. Claim your check with your valid ID and the MPL Acknowledgment Receipt.

  • Lorna Fulledo

    How can I apply & be a Pag-Ibig member?
    What are the reqiurements & where can I submit the required documents?
    I am currently residing in Al AIn, U.A.E.
    Thank you.

    • tonton cudal jr

      pwde ba ako mag avail ng calamity loan evan may housing loan ako.

      thanks

      • Ronald M. Pagatpatan

        sir,
        good morning!
        Tanong ko lng po sir,.nangyari po s akin ngaun, March 2012 nagpatransfer ako ng record,last week of april 2012 nagpasa ako ng loan application,.may 2012 sbi s akin ng employer ko n hndi p daw natatransfer ng bataan branch sa makati branch ung record ko.,last week of july nagpasa uli ako ng loan applctn ko,.Sept.2012,sbi ng employer ko s status ng loan ko (MPL/renewal loan not earlier than 6mos of payment)DQ(with current loan in)…???? pero wla p nman po akong natatanggap ns loan ko?,.pano po nangyari un?

  • veco

    Hi Admin,

    My sister and I are already working for 2 years. We are planning on getting separate loans. My sister for the lot purchase and me for the house construction. Will this plan be possible through PAG-IBIG?

    Please advise.

    Thanks

  • Albin

    I applied an MPL thru my current employer mid Oct. They said it may take several weeks, maybe months for Pag-OBIG to process. They said Pag-IBIG is consolidating my contributions from my former employers. Can you help me fast track? Need the release very urgently.

    • http://www.pagibigfinancing.com admin

      Albin,

      You may want to follow-up with the Pag-IBIG office where you applied. But, please consider you are not the only one applying.

  • lejani oira-austria

    good day! i had my MPL last august 2010 but i don’t have any deduction yet. its already december and i think need to be deducted since the effectivity of deduction is after 3 months of loan. please advice… thanks

  • esperanza luz dizon

    hi. just want to know the status of my loan.
    its been 3 wks already.

    thanks a lot.

  • MARIO A.SANTOS

    sir/madam

    GREETINGS!!!

    I received my PAG IBIG emergency/salary loan at PAG IBIG Cabanatuan City
    extension office last January 2010. as of this date I don’t have any deduction yet on my pay slip…thanks & more power

    MARIO A.SANTOS

    • http://www.pagibigfinancing.com admin

      Mario,

      You have to notify your employer that you want it deducted from your salary. Otherwise, you have to pay it over the counter at Pag-IBIG.

  • Albin

    Can you help me make a follow-up of my multi-purpose loan? It has been 2 months since I applied.
    Thanks,

  • Kath

    Can I already apply for MPL even if I haven’t fully paid an existing MPL? Like reloan?

    Thanks,
    Kath

  • alyn

    hello po..gusto ko sanang mag loan sa pgibig since 2yrs plus na din akong nag wowork. gusto ko lang sanang malaman kung magkano ang initial na pwede kong ma loan? dn ilang weeks ang processing po?? pls adv po kasi i badly need the money..thanks..

  • Liberty (last name deleted on request)

    Hi Mam:
    I want to pay my multi – purpose loan but I am presently out of the country ( in the USA ). I do not have banks in the Philippines and I am planning to let my sister or mother pay for it. Would it be easy for them to do it? I do not have my pag-ibig details. Thanks!
    Liberty

  • http://www.pagibigfinancing.com admin

    Kath:
    Yes, but you have to have paid at least 6 months already on your first loan.

    Alyn:
    Please read the article on the Multi-Purpose Loan.

    Liberty:
    First thing to do: get an update on your Pag-IBIG membership status.

  • LYNDON

    Good Day, Why it happen na matagal ma i release yung ID ko sa PAG-IBIG, ONE YEAR NA KASI AKONG MEMBER, GIVE JUSTICE PLEASE.

  • LYNDON

    KINDLY GIVE CMMENT TO MY STATUS AS A MEMBER OF THE PAG-IBIG, DO I HAVE REMITTANCE AND OTHERS, I NEED COMPLETE INFORMATION FROM YOU, NOT A CHOPPY BUT COMPLETE. TNX

  • rushel

    dear admin,

    Im already PAG IBIG member for almost 10yrs w/ 108 mos contri. then its stop coz i work here in abroad. Now i found out the that there is an authorize office where i can continue my contri.

    Q1. possible i can upgrade the amount for my contri here in abroad? so that i can avail also high amount during the time when i apply a loan?

    Q2. Wound PAG-IBIG approved me if i avail housing loan even there’s still unpaid balance loan in SSS?

    thanx…

  • Noel

    Hello Admin,

    Balak ko sanang mag apply ng MPL kaya lang meron pa akong active na housing loan na hindi pa na fully paid. Pwede ba akong maka avail ng MPL.

    Thanks,
    Noel

    • http://www.pagibigfinancing.com admin

      Noel: If your current housing loan is not in arrears for nine months, you are certainly allowed to have an MPL.

  • Emman

    Since I have an Existing Housing Loan, and I am paying it for almost 3 years, is it possible to acquire an MPL while there still an existing loan? Thanks po.

    • http://www.pagibigfinancing.com admin

      Emman:

      Yes, as long as you have paid at least 6 monthly amortizations. But your new loan will be deducted with whatever is the outstanding balance (plus interest, penalties, etc) of your previous loan.

  • Pingback: Pagibig Financing » How Your Income And Contributions Affect Your Housing Loan Entitlement()

  • Joy

    Hi Admin,

    I was granted a loan, payments were regularly taken out from my pay; I still have 7 installments remaining, which means that it will take me 7 months until I fully pay my loan. Can I accelerate payment and eventually renew my loan? Please advice. Tnx!

  • http://none ladio

    how to apply multi-purpose loan,i working in canada…

  • pia alimon

    hi admin. can i use a pagibig loan to pay for capital gains tax?

  • pia alimon

    (continued) also, what type of loan will i take out? this will be on top of the housing loan i will take out to have the house&lot renovated. thanks for your reply.

  • http://www.pagibigfinancing.com admin

    Joy:

    Yes, that would be commendable on your part.

    Pia:
    I don’t know if that is the best way of paying for your Capital Gains Tax, but sure you can use the proceeds of the Multi-Purpose Loan for that.

  • pia alimon

    Thanks for the reply! :-) But can I take out a Multi-Purpose Loan AND a housing loan simultaneously?

  • Madz

    good day! Im planning to buy a lot in cavite. Kaso I was just informed na on process pa lang ang pag transfer of title from the bank to the seller’s name. I heared that it has to be two years under the name of the seller bago ko pa mailoan sa pagibig yung lote. pls give me advise.
    thanks!

  • jarwin

    Ive been transferring my payment from company to voluntary,then i was paying 6months contribution to continue my contribution last oct.2010 at davao branch can i file now my salary loan this months?tq

  • teng

    ofw po ako dito sa dubai mag inquire lang sana ako tungkol sa bahay ko po na binabayaran ko sa mortgage mejo malakilaki pa yung balance ko sa kanila.Ang tanong ko po pwde ko bang ilipat sa pag-ibig para mas madali sa akin na babayaran ko dito sa dubai at para mailipat ko sa pangalan ko.Na assume ko lang po itong bahay na binabayran ko sa pinas.

    MAraming salamat po.

    Ps. pwede ba akong maka avail ng MPL.

  • Pingback: Pagibig Financing » Pag-IBIG Housing Loan Alternatives()

  • http://gmail Grace Perez Meneses

    ang comment q lng..last year p aq nag fill up ng 2nd loan q..pero till now wl p. katwiran inaayos p raw… how long b pag nag aayos ng mga remittance at nakaltas n loan ng tao? gang ngaun mabagal p rin ang PAG-IBIG/HDMF ..ka2lad ng SSS. year 2011 n mabagal p rin ang proceso. sn nman mp bilis nyo nman poh..ndi naman kami magloloan kung ndi nmin kailangan db.. konting konsiderasyon nman s tao

  • http://facebook.com michaela b. buenaobra

    ask q lng kung paano malalamn kung may checke na aq sa loan q sa pag ibig?

  • Mary Joy

    Dear Admin,

    Greetings

    I have a big problem about financial support for my family, i want to loan for Multipurpose, i have made at least 1 year contribution but it was with my first employer. I am OFW now here in Abu Dhabi. I wanted to continue my contribution and pay for 6 months. Is it possible that i can loan for Multipurpose then? Kindly advice me. Thanks a lot…

  • http://yahoo.com melody

    hi admin,
    i just want to ask only if i can avail the housing loan even though i still have pending salary loan previously?

  • http://www.pagibigfinancing.com admin

    Pia:
    You seem to be needing a lot of loans… :-) but, well, no… one at a time.

    Madz:
    I’m not sure what advice you want to hear about, but this is not a place to go for advice. Please frame your question based on the topic of the article.

    Jarwin:
    Please try it.

    Teng:
    This is more complicated than you think. And no, MPL is not big enough to be used in buying a property.

    Michaela:
    Follow up. That’s the keyword.

    Mary:
    I’m sorry to inform you that your MPL will be based on your contributions and based on your statement, it will not be that much to solve your big problem.

  • denden

    OFW po ang asawa nasa Saudi po siya.Gusto po sana naming mag business.Pwedi po ba na ako ang mga aaply then para sa kanya?Ano po ang mga requirements?

  • teng

    admin> thank you po sa reply niyo.

    Tanong ko po pwede ba akong maka avail sa MPL kasi base on my contribution halos tatlong taong mahigit na po ako nag babayad ng pag ibig.Para po sa minor renovation ng bahay ko.ano po ba ang mga requirements na dadalhin ko pag nag apply po ako.

    maraming salamat po sa inyo.

  • http://www.pagibigfinancing.com admin

    Denden:

    You may want to become his representative, but he should be the one to apply for the loan. Only members are allowed.

    Teng:
    I re-read the article and I think the answers are already there.

  • Rose

    Gudpm..maitanong ko lang po.,na stop po kasi ang monthly contribution ng father ko.makaka avail pa po ba xa ng calamity loan kasi from davao del norte kami?kailangan ko po ang inyong sagot asap.pki send nlang po ng inyong sagot sa email address ko.maraming salamat and godbless.

  • perlita abellera

    I am a pag ibig member since nov.2006to oct. 2009.and upon verification in ur office thru pon I found out that I have 33months contribution already.but my montlhly Contribution was stop last nov.2009 that was when I resigned from work .because we put up our ownbusiness
    My questions are: A. is it posible to aply personal loan?
    B. Is it posible to aply for housing loan?
    C.is it posible to pay for one time payment those months I missed to paid off for my purposses of availing loans in pag ibig?

    Tnx.
    Hoping for your immidiate responce

  • Bernard Mejia

    I would just like to inquire regarding this MPL Loan, How much was the maximum loan value that I can avail?? and through this how much will be my Contribution Annually.. Incase that my previous contribution is lower from this is it possible if I can upgrade my contribution to attain the required Maximum Loan Value

  • asunta

    good day!!!

    Sir magkano po ang maximum na pwede ma loan for multi-purpose loan..?

  • Pingback: Pagibig Financing » More on Pag-IBIG Multi-Purpose Loan()

  • Mary Joy

    Dear admin,

    Good morning,

    Ask ko lang po sana if after ko magloan for Refinancing, i can have another loan for Home Improvement? kasi po meron po ako existing mortgage loan na 480K, as per my contribution pwde po ako magloan until 900K. Gusto ko po mabayaran yung 480K sa mortgage and yung remaining na 420K is for Home Improvement, possible po ba yun? Your kind response in this request is highly appreciated. Thank you very much…

  • yolanda decena

    hi

    may existing loan ako last yr, more than 10mos na yung hulog ko, pwede na kong makapag loan ulit ngayon month? please advise.

  • Liberty

    hi admin,
    can i ask a favor, i want my comment dated jan19 be removed(#12). my sister have paid for it. i just want to maintain my privacy. don’t want my name be kept posted. thanks!
    liberty

  • Lucky P.Tibayan

    gud afternoon po ako po c Lucky Pardillo Tibayan,pwede ko po b mlaman kung pwde n po ulit ako makapag loan sa multi purpose loan ko,nkpag loan n po ako noong july 2009,kaso po hindi pa po ulit ako nkpag hulog ng bayad sa loan ko,pero tuloy nman po ang contribution ko.ang alam ko po kasi ma off set n daw po yung loan ko.pwde pa rin po ba ako mkpag loan.March 25,1983 ang birthday ko,asia pro cooperative member ako branch ng calamba laguna.

  • lisa

    hi
    gusto ko pong malaman kung pwedeng mag-loan sa pag-ibig for repairs ng bahay pero yung said property/bahay nasa pangalan ng lolo at lola. ang anak ko po and mag-loloan para sa repairs. kailangan ko po ng sagot babagsak na po yung pader ng bhay e. ano po ang gagawin if ever? thanks

    liza

  • jemalene

    hello admin,

    Gusto ko po sanang mg Loan ng MPL at magkano pb ang pinakamataas na loan?Im contributing for 24 months at 40$/month.How much kaya ang ma loan ko? Im using my loan for my business.Im prefer po sana 400k pesos.Pwede po b yun?Im currently working in saudi arabia.
    Pls give me an info regarding about .,.Tnx admin

    • Brando

      Hi whats the answer of admin to your question???because we have same question upon that….thanks

  • franco

    hi ask ko lang po sa may nakakaalam mayroon po akong existing loan sa pag-ibig ung nalaon ko po noon is ung calamity loan ask ko lang po if pupwede ba akong mgloan ulet kahit hindi ko pa natapos bayaran ung existing loan ko?im thinking to loan a salary loan sana……….salamat!

  • Eduardo C. Malana

    Hi!

    Good day.ask ko lang po kung pwede ako makapag loan kahit OFW ako sa Pagibig multi purpose loan.77 months po ang contribution ko.
    ask ko din po instead name ko pwede ko din ba ang Mrs ko nalang ang mag loan kahit wala na syang trabaho?120 months na po sya memeber.

    Ang purpose po kc ng aming utangin ay palakihin ang aming bahay.At present 90k ang salary ko dto sa abroad.

  • Pingback: Pagibig Financing » How To Check If You Are Qualified For A Pag-IBIG Housing Loan()

  • perlita abellera

    Is it posible to avail mpl if I have contributed 36months already,its just hapen to stop my contribution when I resign oct of 2009 but I am now updated it last marc 7,
    Hoping for ur emmidiate responce

  • vangie

    How long will it takes to apply for a multipurpose loan?

  • anilyn

    tanong ko lng po kung hanggang magkano ang pwede i-loan s Multi Purpose Loan para s mga OFW?kund ang monthly ay 1,000 at tapos n ang 24 months hanggang magkano b ang pwede iloan? thanks.

  • Irene Iruma

    hello. pag-ibig members ako since 2000.tanong ko lang po pano magapply ng loan for “2. Small Business / Livelihood Financing”..

    Please reply.

    Best Regards,
    irene

  • joanne

    hi i just want to ask if pwede akong makapagrenew ng mpl kahit na may 2010 ang first payment ko para sa mpl loan last year? above 10 years na akong member.

  • http://www.pagibigfinancing.com admin

    @perlita:
    In general, you need to be actively paying in order to avail of the loan benefits.

    YOu don’t have to pay for your missed payments, you only have to cover the current ones.

    @Bernard:
    Please read again the article. The maximum loan amount is already discussed there.

    @asunta:
    same reply above.

    @Mary:
    What’s the reason you have a refinancing? That’s the very first question the loan officer will address before giving you another loan.

    @yolanda:
    YOu can try. I believe you are re-apply after paying 9 months.

    @Lucky:
    YOu can try. But take note that it be more difficult this time since you have a track record already of non-payments. Take note that the loan amount will be based on your TAV.

    @lisa:
    You can always you an MPL loan for that.

    @jemalene:
    Please read again the article. The loan amount is stated there.

    @franco:
    Please check this at the office. You may or may not be allowed another loan.

    @Eduardo:
    You are certainly eligible for the loan, but your wife is not.

    @perlita:
    Yes

    @vangie:
    you can apply anytime. As for the approval, please follow-up on the branch where you will apply for the loan.

    @anilyn:
    please read again the article.

    @Irene:
    Please proceed to the Pag-IBIG branch near you.

    @joanne:
    Yes, please check your status MPL status now you may be eligible for another one.

  • Rodrigo Jr

    paano ko malalaman iyong Pag-ibig no. ko sa online?
    ano po pala iyong mga requirements sa muti purpose loan?

    Salamat!

  • MALU

    HINDI KO NA MATANDAAN ANG PAG-IBIG NO. KO PWEDE KO BANG MALAMAN THRU MY EMAIL. PWEDE KO RIN IPADALA THRU EMAIL ANG BUO KONG PANGALAN AT BDAY. THANK U.

  • http://www.pagibigfinancing.com admin

    @Rodrigo and @Malu:
    Unfortunately, you have to request it from the branch because the online facility is not yet working this time.

  • Richelle

    hello admin,

    can you provide list of accredited banks or any places that accept loan (MPL) payments. also what form should i bring to pay my loan?
    wala kasi akong tiwala sa HR namin kaya mag personal effort nalang ako kahit employed naman ako.

    thank you

  • Chuchi

    Question po sa computation ng tav. sbi mu TAV is defined as
    the member’s personal contributions, the
    corresponding contributions of his employer and
    the total dividend earnings. so if 100/mon ang contribution k same sa employer tas nka 65contribution nko is my entitlement computed as 200 x 65 = 13000 x 60% = 7800 dk po kc alam bout dividend earning on how to get that..

  • http://www.pagibigfinancing.com admin

    @chuchi:
    That will be your MPL Loan amount, more or less. The dividend has to do with the performance of the Pag-IBIG Fund. There is no exact formula for that, but on the average, it’s 5% “interest rate” per annum. Sadly, the loan amount is not really that much.

    @Richelle:
    That will be subject of another article on this website.

  • John

    Dear admin,

    just want to know the formula used to compute the amount deducted to the principal balance from my montly ammortization. I know this varies every month. Thanks a lot

  • Lye

    hello po,,ask ko lng po if paano po kung nputol po ung pghuhulog ko sa monthly kong 850, last na hulog ko pa po eh nung 2009 4mos. then until now eh di ko pa po ulit nahuhulugan, wla nmn po akong plan mgloan, pag po ba hindi ko na xa nhulugan after 10yrs marerefund ko yung perang naihulog ko kahit kulang kulang ang hulog ko? thank you po and Best Regards

  • tei

    Dear admin,

    makakapagloan pa po ba ko kung nagresign na sa trabaho ko? i still have pending loan pero ang sabi pwede daw ideduct un sa makukuha ko.. ano po ang proseso kung magloloan ako ng wala po akong trabaho?

  • topaz

    hi admin.
    i just like to ask how long is the processing for multi purpose loans?

  • Ma. Lourdes G. Jerusalem

    Good day bakit po kailangan pa pesonal i submit ang MPL form, pwede po ba
    by employer’s representative or relative nalang para di na mag absent sa
    work ang member padala na lang ng authorization letter ty po

  • http://www.pagibigfinancing.com admin

    @MaLourdes:
    Since it is only an application for loan, you may want to have an authorize representative do it.

    @topaz:
    It depends on your branch, but normally it should not be longer than 7 days.

    @tei:
    Sorry, but it will be difficult to get a loan if that’s your case. Besides, you have to show them that you have a source of income
    to pay off your loan.

    @Lye:
    That’s okay. All your contributions will just stay with the Fund will be accumulated to your account.

    @John:
    You may want to use the mortgage calculator provided on this site. Here’s the link:

    http://www.pagibigfinancing.com/articles/2011/mortgage-calculator-and-amortization-schedule-plus-how-to-save-on-your-loan-payments/

  • mitilia

    what if u have existing loan and you are planning to resign from your work? how would be the payment or can it be deducted from your contributions?

  • albie

    Mam gud am. tanong lang po…pwd ba sa pag- ibig MPL mag loan for minor house improvement kahit existing loan po ako sa pag-ibig MPL.? ano po ang requirements? at magkano po ang pwdeng ma loan.

  • Jean

    good morning!
    I would like to inquire about the MPL. I am a member since 2003. The house we’re we live owned by my mother in law and she allowed us to renovate the house. How much can I loan for house improvement? thank you!

  • Pingback: Pagibig Financing » Beyond Loans: The Pag-IBIG II Program As Investment And Tax Shelter()

  • http://yahoo christina montano

    God bless!

    To Admin:

    Ma’am,
    Inquire lng po sana about sa PAG-IBIG ID sa Fabrikmix Inc, located at 297 Sacris Subdivision Bakilid Mandaue City, kelan po talaga ang totoong releasing ng mga ID’s,pinuntahan po namin ang Pag-ibig Mandaue, sinabi po sa amin ihatid dito sa office namin, then until now wala pa rin…………..

    thanks

  • http://yahoo christina montano

    God bless:

    why we need ID’s simply because our employee never believe us that we remit there contribution…………..hopefully you understand our situation……….that’s why one of our employee never contribute PAG-IBIG its because we have no proof that can show them that we remit there money, they will not believe the receipt that came from Pag-ibig…………

    thanks

  • ella

    hi. is it possible for my father to have a loan of 6ook since he was a member of pagibig for 18 -20yirs (i’m not sure) and no record of loans yet. tnx

  • Thelma C. Peronce

    I have been a pag-ibig member since 1991 but terminated when I applied for early retirement (Oct. 2006) at Bureau of Internal Revenue. I went abroad to work and started as voluntary paying member since April, 2010. I want to apply for a multi-purpose loan. How much will be the proceed of the loan? Currently, Im working at Sharjah, United Arab Emirates.

    also I’m planning to apply for house construction, what will be the requirements.

    Anticipating for your early reply on these queries.

  • Thelma C. Peronce

    I’m paying my contributions in the Philippines, can I apply loan here in UAE where I am working?

  • http://pagibigmultiporpuseloan josemari G chavez

    last year po nagloan ako bale 3 days lang ang aking inantay. paid na po ako lahat sa naloan ko last year.ngayun po nagloan uli ako gusto ko po malaman kung ok napo at narealize na aking checke.

  • http://pagibigmultiporpuseloan josemari G chavez

    good day po hindi ko po macontact ang number na binigay ninyo sa akin. josemari G. chavez po ito.please reply po

  • http://www.pagibigfinancing.com admin

    @josemari:
    Yes, I think you can apply for a new loan since you already paid the previous one.

    @Thelma:
    Please, re-read the article above for the MPL Loan amount that you can possibly get.

    As for the house construction loan, the most important thing is you can show is the land title, which serves as the collateral for the loan.

    When it comes to paying your contributions, here are some options:

    http://www.pagibigfinancing.com/articles/2011/5-ways-to-pay-the-pag-ibig-fund/

    @mitilia:
    Yes, the Pag-IBIG Fund will use your TAV to pay off your loan.

  • elsie

    good pm. mag inquire lang. nakapag avail na ako ng 237 contributions noong last yr. makakapag loan po ba ako ng “home improvement “?

  • http://www.pagibigfinancing.com admin

    @elsie:
    Take note that a home improvement loan is an additional loan on top of an existing housing loan. Will you be granted the loan? Well, it depends, but you can definitely apply anytime.

  • Ace

    Hi,

    I want to take advantage of MPL but hindi ko alam yung mga requirements na i need to submit (ex. COE, Birth Certificate, etc.). I’ve been contributing since Dec. 2004. Can you give me a list of requirements na kelangan kong isubmit para macompile ko na please? I’m currently working in Makati and sa Makati din ako nagapply ng Pagibig way back 2004. Thanks.

  • Ace

    This is in connection to my post above. I’ve heard that you don’t accept Certificate of Employment kapag mag apply ng loan? Payslip talaga ang kelangan?

  • jermailen laxa galura

    hi..i just resigned from my work almost one and a half month na..i need financial assistance..can i file for a personal loan?..since then i paid na my past loan from my previous employer

  • catherine d. chiong

    gud day admin, im employed & 9yrs member na of pagibig, gusto ko lang malaman kung ilang taon bayaran ang salary loan bago ulit mgrenew? 2yrs nko ngbbyad ng salary loan, i applied salary loan last week but disapproved,Anu reason bakit disapproved?

  • Nicole

    Hello Admin,

    I’m planning to get MPL…Will it be possible to loan 200k? How much should my monthly contribution? can I pay it over the counter if my contribution is lesser?

    Thanks :)

  • Colleen

    I am a member of pag-ibig since 1993 and I stopped working in 10 months and went back to work March 7 and until today I am working with the company for 5 months and I requested your office to consolidate all the company I worked for,and when i called ypu office today,the girl told me that even if i have 24 months contributions to pag-ibig I cannot loan for a salary loan because one of your requirement is that I should have 6 months updated contributions to the company I work now.Can you clarify this for me? Because i have a job now and I should be entitled for a salary loan.. :) Thanks!

  • http://www.pagibigfinancing.com admin

    @Colleen:
    As she said, you need to be an active member for six months by the time
    you apply for an MPL. Well, six months is not that long, actually.

    @Nicole:
    Please remember that and that the amount you will get from MPL Loan depends on your contributions. Please refer again to
    the article above for the amount that you are entitled to get.

    @Catherine:
    You are right about the 2 years term. But as to the reason why you are denied, please check it at the branch.

    @jermailen:
    Sorry, but you will definitely be denied a loan.

    @Ace:
    Basically, you will be required to submit documents related to your employment status and income.

  • melody

    gud eve po admin,

    medyo confused po kc ako!!
    yr 2009 po nung makapag personal loan aq, so etong 2011 nagexpect ako na tapos na yung loan ko kya nagbalak ako na magloan ulet, kaso nadenied ako dahil wala pa rw po akong hulog kahit isang bwan! hnd pla ako hinulugan ng employer ko! now balak ko na sanang kumuha ng housing loan, pero babayaran ko muna ng buo ung utang ko pati penalties! posible kya na madeny ako sa housing loan ko? pls help me!

  • melody

    follow up lang po s nauna kong post… 7 years na po akong pagibig member (no gap) pangalawang loan ko na po ung last 2009.. yun ang problema ko kc hnd nga po nahulugan ng employer ko at hnd rin nila ako binawasan sa salary ko kya plano ko po na ako na lng ang magbayad para po makapag avail ako ng housing loan! sana maapprove??!!

  • hdmf no. 0401 61413101..

    - hi. i have my mpl granted last march 2011 and my first deduction should be may 2011. i resigned from my previous employer april 1st 2011.. im already here in saudi may first week.. i told my mom to pay for my mpl last may but the pag ibig told my mom i cant pay coz im already seperated from my previous employer.and i should fill up some papers for ofw something pag-ibig membershp like that.. i didnt file one last april coz i did it with my agency before i left phil.. i want to pay it and can i pay it cash.. but hope no penalty coz they were the one who didnt accept the payments before… pls let me know.. tnx hope for immdiate answer.. tnx

  • http://pagibigfinancing.com Jolymer mercado

    To admin,
    Gusto po ipagbenta ng may-ari ng bahay yung property nila samen. Hnd po nmen kaya bayaran nung halos half n ng naibayad nila sa pag-ibig dun sa total amount nung bahay n 650k. Pwede po b i-loan s pag-ibig yung pagbabayad nun? Bale s pag-ibig n lng kami magbabayad at pag-ibig n po bjala magbayad s dating may-ari?
    If pwd po, magkanu kaya per month babayaran nmen f 25 years? 30 years?
    Maraming salamat po!

  • mhel

    hi admin…. saan po namin makukuha ang pagibig ID namin?.. kc hanggang ngaun hindi pa po kami bininigyan ng ID… salamat po..

  • http://www.pagibigfinancing.com admin

    @melody:
    It could be that your employer was not aware that you had an MPL Loan with Pag-IBIG. Having an unpaid MPL Loan will hinder you from getting a Housing Loan. So, please settle it first.

    @hdmf:
    Please pay it over the counter. There’s no reason they won’t accept it.

    @Jolymer:
    Essentially, you will be assuming someone else’s property. Pag-IBIG won’t allow you to loan for the assume price… never. What you should do instead is negotiate that part with the original buyer.

    @mhel:
    Sorry, there is really no ID Card. But you have an ID Number… it’s like your membership Number.

  • mhel

    ah ganun po ba? ok salamat po sa pag sagot nyo agad sa aking mga katanungan..

  • romeo

    I failed to claim my check for MPL loan, when i went to their office they told me at it was already mailed it, but i still haven’t receive it. How can i claim the check? Will it be forfeited? Can i file another MPL loan if its forfeited?

  • http://www.pagibigfinancing.com admin

    @romeo:
    Please wait for it to arrive at your mailing address. A check will become stale 90 days after its indicated date. That should be a long time.

  • lyn

    admin,
    good morning san po natin makita ang website na bayad na po ako ng 24mos para maka pag loan po ako thank you.

  • Dan

    Hi Pag-Ibig,

    Do you have a link or is there a site where I could see the total of my contributions as well as if I have already paid my previous loan?

    The reason I am asking is because I wanted to apply for a new MPL.

    Kind Regards,

    Dan :)

  • cynthia oquiaS

    Hi,
    ask ko lang po, I have an existing MPL na nagrant lang last 7-08-2011, now po nag aaply kami for housing loan ng husband ko, him as the principal borrower. makakaapekto po ba yung MPL ko sa Approval ng housing loan application namin?

    Yung collection period po ng MPL ko sa December 2011 pa, pede ko po ba bayaran ng full amt yun? o meron pa po bang ibang way para mag move yung HL application namin kahit bago lang yung MPL ko.
    thank you po.

    cynthia :)

  • Love Joan

    hello admin…
    i just recently got my ID card number through a Customer Rep who emailed me. You see, I was already contributing to Pag-ibig through my previous jobs back in the Philippines. Now that I am abroad, I will continue my contributions from here.
    My problem is that I cannot access the online system to verify my account and how many contributions I have made or what is my TAV and other details needed. I am planning to apply for a Multi-Purpose Loan for my vacation when I go home this October. My concerns are how long will it take to process my loan as my vacation is only 30 days? I also want to confirm how much I can loan and what are the payment methods.

    Appreciate your assistance on these concerns.
    Thanks so much in advance kabayan for the help.

  • Sheila

    Hi admin,

    I will be resigning from my current employer which I have an existing loan from PAG-IBIG. I just want to know how I can transfer it to my new employer. Do I need to fill-out some paperworks? or Do i need to get a proof of my loan payment from my current employer? Pls help. Thanks!

  • Fritz

    Hi admin,

    Okay lang po ba na mag inquire kami ng bahay then gagawin kung co-borrower ung kapatid ko? at kailangan ba magkasama kami mag aasikaso sa pag ibig o okay lang na isa samin ang mag aayos sa pag ibig.. please help

  • http://www.pagibigfinancing.com admin

    @Fritz:
    Yes, that’s acceptable with the Pag-IBIG Fund. Since a co-borrower will have the same requirement as the principal borrower, it’s best if
    both of you can do the transaction together.

    @Sheila:
    You mean, you are under the salary deduction scheme? If so, just inform your new employer that on have an existing
    Pag-IBIG Loan and that they should make the necessary deduction.

    @Love Joan:
    You are right about not being able to use the online facility of Pag-IBIG at this time. The best way to do it is to transact directly at the branch.

    If your vacation is only 30 days, I’m afraid it could take more than that for the loan to be released, but it depends only on the circumstances.

    @cynthia:
    If you are also applying as a co-borrower, that would definitely affect it. YOu can pay it in full earlier, though. That would save the day. :-)

    @Dan:
    YOu really have to inquire it from the branch.

    @lyn:
    Please check it at the Pag-IBIG Branch where you are remitting your money.

  • frank

    gud am..1 po akong ofw na once a year lang umuwe at every year lang nakapagbabayad ng contribution sa POEA.ask ko lng po if I’m qualified to have a personal loan?or what am I going to do to be qualified for that loan?at sino lang ang pwede mag ayos ng loan ko kasi po I’m here in abroad..many thanks…

  • dj

    hi admin

    may tanong po ako gusto po sana namen ng apply ng housing loan pampagawa ng bahay yung lupa awarded po samen may member din po kame magasawa ng pagibig may chance po ba kame makapagapply? thanks

  • jack

    For example, I have contributed about 50 months and it is for Php200/month.

    Does it means 50*200*.60
    equals to Php6000 loanable amount for the MPL?

  • larry

    dear admin

    what are required documents for MPL application? specific list pls. tnx

  • http://www.pagibigfinancing.com admin

    @larry:
    YOu just have to fill up the loan application and, depending on your case, you may have to submit the following:

    1. Certificate of Remittance (latest 12 months)

    2. Certificate of Loan Amortization, if with previous loan

    @jack:
    Yes, more or less. Remember that your money could also be earning dividend over time.

    @dj:
    Sure.

    @frank:
    You have to be a contributing member for at least 24 months.

  • mhel

    hi, good day po admin…. pwedi po bang maka avail ng loan worth of 1m to 2m to start a business….? i need your reply salamat po and god bless us…

  • http://none grace

    hi! tanong ko lang po kung possible po ba na ma-buyback ang house ko kpag hndi po nakakahulog ng 3mnths amortization sa pag-ibig?pls reply asap salamat po…

  • http://www.pagibigfinancing.com admin

    @Grace:
    Do you know what a buy-back means? It means, the developer either takes over the property or they look for another buyer who can continue on your loan.

    @mhel:
    For MPL Loan, that may not be possible since the MPL Loan amount depend on your contributions.

  • Arianne

    sir:
    i would like to ask kung pwede po ba ako mag-aaply ng MPL kahit kakakuha ko pa lang po ng calamity loan last august 2011?

  • mhel

    hi admin salamat po… sa pag sagot nyo sa tanong ko…. god bless…

  • gracel

    Hi admin,
    pwede ba mka apply ng loan khit nasa abroad pa ako?cash loan po sana ang aaplyan ko?paano po?noun nag work ako sa pinas ung account ko ba noun credited siya sa account ko ngaun bilang ofw?looking forward for your reply..thank you.

  • Lea Guinto

    Hi,

    Ask ko lang how much po makukuha if second loan na?

  • May Hernandez

    dear admin,
    i already contributed 20 months. i am a gov’t employee. i am already entitled for a multi-purpose loan?

  • May Hernandez

    good evening! can i pay the remaining 4 months contributions over the counter instead just to avail the MPL?

  • http://www.pagibigfinancing.com admin

    @May:
    It has to be 24 months. And yes you can do that, but for what reason? Remember that your loan approval will be based on the contributions you have made.

    @Lea:
    It depends on a lot of factors. Please ask the staff to give you an estimate.

    @gracel:
    You have to request the office to consolidate all your contributions.

    @mhel:
    You’re welcome. :-)

    @Arianne:
    Please remember that the Calamity Loan is really just another form of MPL Loan.

  • http://deleted jacqueline

    ask ko lng po kung paano ko malalaman ung pagibig number ko. ask ko din po kung pwede ko mag avail ng housing loan kahit last 2008 ung last contribution ko..nag stop kc q magwork,,gusto ko pagpatuloy contribution ko ,self employed ako ngaun..pls reply ,,tnx

  • Pingback: Pagibig Financing » The Pag-IBIG Calamity Loan 101()

  • jhayr

    hi admin ask q nga puh kung tama ung computation ko,,TAV kng naghuhulog po 500 a month,,compute ko puh ba sya 500x24months=12,000×60%=720.000 yan tama poh ba ung computation ko,,,kng mag loan lang po ako ng 250k,,mag kano po ang per month ko kung babayaran ko lang ng 5years

  • ronald

    hi gud pm po admin..pag ibig member po ako since 2003 and ito ung ID nr ko 1400-0127-5976… ask ko lng po if pwede ako mag avail ng housing loan and mag kanu ang pwede ko makuha para pampatayo ng bahay sa lupa ng asawa ko..pls reply thanks

  • joey alva

    dear admin, ask ko lang po kht d po regular statuus ng work sa agency mka avail po b ng housing loan? kc under agency po ako since 2002,..renew lang po kmi every 6mos.sa agency nmin..pls.answer…thanx po..

  • joey alva

    ask ko lang po,,kc last april 2009 nag salary loan po ako,pero d nakaltasan ng agengy,almost 2years po na d na nabayaran ng agency ko..pero last week po nagpa-print po ako ulit den naka TAV-OOFSET na po un last salary loan ko..tanong ko lang po kung makapag housing loan na po ba ako dis year?..pls reply..thanx po ulit..

  • maria venus ocasion

    gudpm..mam/sir.. ask q lng po if may pagibig contribution po ang mister q c carlos sabado ocasion..nagwork po sya s MEGATON PAPER AND PACKAGING CORP..I NEED UR HEARTLY RESPONCE..THANK YOU.

  • http://www.pagibigfinancing.com admin

    @mariavenus:
    Please inquire about it at the branch.

    @joey:
    Your unpaid MPL Loan can definitely affect your home application. YOu may still be granted a housing loan, but you have to start over with your contributions.

    @ronald:
    Please attend a loan seminar to verify the status of your membership.

    @jhayr:
    YOu are right with your formula, but the result is not consistent. But I think you get it already.

    @jacqueline:
    You have to request it at the office/branch.

  • cresilda

    hi po..member po ako ng pop base in dubai..start po ako last 2009 tapos ko po ung 24 month na monthly cotribution..ggusto kung mag loan ng multiporepuse.pero dto nna ako sa pilipinas ngaun..thanks mabuhay

  • jbaldwin

    Hi, i just finished paying my MPL last July and i wanted to get a loan again. i applied online (http://www.pagibigfund.gov.ph/memserv/) and printed the form but when i brought it to our HR he said i need to get a Cedula. I didnt need a Cedula the first time i got a loan. Is this really a requirement or is he just misinformed?

  • romeo

    i failed to received my check for PAGIBIG loan, it is more than 3 months now from check issuance, will my loan be forfeited? Can i just file another loan if its forfeited?

  • http://google rosalynn p. martinez

    Pwede ko po b malaman s website kng naaprouved n loan ko at kng kelan makukuha?

  • marisel labatete

    morning po,gaano po ba kagatal ang processing ng papers for huosing loan ,kc po 2years na po ang doc.ko until now ala pa rin result,ala n nmn po prob sa doc.ko,,everything is ok.hanggang kelan pb ako mghihintay bago nyo process ang papers ko ,,nid pb lagi follow up paraa ausin nyo agad …

  • marisel labatete

    may tao po na pumunta sa main office sa batangas para ask what problem ng papers ko ,ang problem po ay nasa sa inyo kasi hindi po pinaprocess doc.ko …need po ba talaga always follow up…im very long time waiting …i want to know if 10years contract is aprove and how much monthly.

  • Edelyn Balolong

    I forgot my temporary PAGIBIG number. I received the text probably last 2 weeks and I accidentally deleted it. How would I retrieve my number?

  • Eiffer

    Hi Admin,

    I am planning to make a MPL on Pag-Ibig and this will be my first time doing it. My question is can I loan more than of my contribution, I have working for around 4 years now. I was thinking of 50,000 amount of loan. Is this possible?

  • mhel

    hi good day po admin…ask ko lang po na talaga po bang 20PERCENT pag nag loan?… or dependi sa loan amount…? kailangan ko po ang sagot nyo salamat po…

  • mhel

    hi admin good day po… tanong ko lang po kung pag nag loan ay talaga bang 20 percent ang DOWNPAYMENT? or dependi sa loan amount… kailangan ko po ang iynong sagot salamat po….

  • chen

    i had an MPL balance as of 2008,from then on i did not pay for the balance and my contribution..can i start again by paying monthly contribution as OFWand pay the full balance amount of my MPL? then can i have a loan after paying my balance?or when can i have a loan after paying my full balance MPL?

  • chenry

    HELLO PO!
    before po ako nag abroad nung july2008 may exixting MPL po ako na balance.since then from july2008 until now di po ako nakabayad nang balance sa MPL at yung monthly contribution ko..ngayon po gusto kong mag continue ulit as voluntary/self-employed. kailan po ako makakapag housing loan?if in case this january 2012 babayaran ko yung full amount MPL balance ko,and mag start ulet ako nang bayad sa january2012 as vlountary member…pls answer my queries..thanks a lot!

  • jeanie german desiderio

    ask ko lng po dati akong gov’t employee then i resign after 12 yrs which i gain a savings upon clearing all my loans and advice that upon retirement i can gewt the said savings …now i enrolled in POP here in KSA … is it possible to merge my saving from my previous contribution to my POP contribution….

  • Robina Atienza

    Good Day Admin,

    I am working and residence here in abroad. I am planning to apply for a personal loan for $ 300 to 400 thousand for my family in the Philippines. I am not a member of Pagibig. Can I pay my contrubution for 2 years to be qualified for requested amount? I will be in the philippines 3rd week of this month, December 2011. I have already registered online but i am not sure if is valid also can i pay my registration fee for the whole year or 2 years online. Please take a look if my membership online went through. her is my tracking # 911337002243. Thank you..Ms. Atienza

  • mhel

    Hello good morning may tanong lang po ako ang contribution ko ay 10 dirhams /mo.my salary is 1700 dirhams magkano po ang pwede kong ma loan,or pwede po ba akong mag loan kasi po co borrower po ako ng anak ko may existing loan siya ng house and lot sa laguna.thank you

  • http://www.pagibigfinancing.com admin

    @mhel:
    Since you are already a co-borrower, you can be a principal now until the first loan has been fully paid. As to the amount of loan
    you can get versus your salary, please refer to the link below.

    http://www.pagibigfinancing.com/articles/2011/how-your-income-and-contributions-affect-your-housing-loan-entitlement/

    @Robina:
    I’m sure you already know that loan are only open to members of the Fund. I think it would help if you are re-read the article above for details of the personal loan.

    @jeanie:
    Sorry, but POP is different from the regular membership.
    Please read this article to find out the differences:

    http://www.pagibigfinancing.com/articles/2011/joining-the-pag-ibig-overseas-program-is-it-really-worth-it/

    @chenry:
    You can always re-activate your account anytime. But your past MPL loan may have already been fully paid, the payment of which was taken from your TAV.

    @Eiffer:
    No, you can only loan at most 80% of your TAV.

    @Edelyn:
    Please go to the branch.

    @marisel:
    Sorry, but I don’t understand your question.

    @romeo:
    No, you can claim it at the branch.

  • sheila lascano

    gud pm poh member po ng pag ibig ang mister ko for 6 years pwede poh b kming mag avail ng loan khit ako lng po ang representative nya at magkano poh pwede nming ma avail nming loan ang monthly contribution nya ay 100 per month.tnx poh

  • Chiqui

    Hi,
    I have an existing MPL, granted in 2009 but was not able to make payments because i forgot about it until i saw the voucher the other day. How can i inquire about my outstanding obligations and how can i start paying for it? Also, is there an amnesty program for this year? Thanks!

  • Phyliss

    I just bought a foreclosed property. I want to apply for a loan for home improvement, I am a member since 1994, is this possible? what are the requirements po?

  • http://www.pagibigfinancing.com admin

    @Phyliss:
    Please refer to the link below for the document requirements related to the home loan:

    http://www.pagibigfinancing.com/articles/2010/pag-ibig-housing-loan-requirements/

    @Chiqui:
    It’s possible that they have already used your TAV to pay for that loan.

    @Sheila:
    If you are asking about the MPL Loan, the maximum amount is 80% of the TAV. For the home loan program, the maximum is 3M, but is also
    depends on the member’s income. Please read this article to find out more about the loan amount entitlement:

    http://www.pagibigfinancing.com/articles/2011/how-your-income-and-contributions-affect-your-housing-loan-entitlement/

  • William

    I had an outstanding multi purpose loan and was not paid due to company closure last Sept.2009.I received a letter from Pagibig offseting my loan since i did not pay my loan.I had a new employer now,can i still continue my Pagibig membership?What will happen with my old multi purpose loan

  • http://www.pagibigfinancing.com admin

    @William:
    I think the loan is already paid… Offsetting as you said. Yes, you can still continue with your membership.

  • Pingback: Pagibig Financing » 7 Most Popular How-To’s On Pag-IBIG Fund()

    • Estelita P. Rue

      i want to know the amount i can avail for my renewal of MPL loan.

      • http://www.pagibigfinancing.com admin

        Estelita,

        Please read again the article above.

        • tonton cudal jr

          hi gud pm,

          ask ko lang if pwde ako mag avail calamity loan kahit may housing loan po ako.

          thanks

          • http://www.pagibigfinancing.com admin

            Tonton,

            Yes!

      • http://www.pagibigfinancing.com admin

        Estelita,

        It depends on your TAV. Please ask the branch in charge of your account.

  • michelle

    Hi admin,

    Pwede po ba akong maka avail ng MPL kahit di pa 24 cont nabayaran ko? ano pong requirements? or pwede bang bayaran ko ng one off ung one or 2 year contribution and then mag file ako ng MPL?

  • abdurajak sayf al din

    gud pm… nag processed po ako ng MPL last 6 months ago…puede po ba ako ulit mag loan?????tnx

  • JC

    Tanong ko lang po. I have an existing Calamity Loan. I want to know if i am still entitled with MPL. And if i am entitled, will they deduct the remaining balance unpaid from my calamity loan? Thank you and more power.

  • aljon

    Hi,

    What if I’ll be needing personal loan to pay off my parent’s hospital bill (not me? Can I avail the personal loan if I’ll use it for my mother’s medical needs (for example)

  • http://www.pagibigfinancing.com admin

    @aljon:
    You can use the proceeds of the short-term loan for any kind of expenses that you want.

    @JC:
    That’s right. A Calamity Loan is really just another kind of MPL Loan.

    @abdurajak:
    If you have already paid at least 6 months, you can renew your loan.

    @michelle:
    It may not be wise, but you are allowed to renew your short-term loan upon payment of at least 6 months worth of amortizations.

  • Pingback: Pagibig Financing » Money Matters: Pag-IBIG Fund Provident Savings and Provident Claims()

  • aljon

    Admin,

    Thanks for responding on my previous query. Can I ask one more? I’m planning to take my master’s degree in University of the Philippines next school year. In line with this, Can I be allowed to borrow at least 200k? If they will, what is the longest possible lenght of years am I going to pay? Could it be possible to settle the mode of payment to 15 years of monthly payment?

    Thanks and more poweres!

  • ron

    Admin ,tanong ko lng po f pano po kung wla pong bank account?pwede pa rin po bang mag apply ng MPL?pay slip lng po kasi ang akin hindi po ATM..ano po ang gagawin ko? tanx!!!

  • cora

    hi po, ask ko lang if pwede ko na ma withdraw yong TAV ko i been member 14yrs walang palya until now pano ang proceso san ako lalapit na department ito ba ay posible? please po paliwanagan nyo ako salamat po.

  • rose payumo

    Hi, where can I obtain my loan’s statement of account? I just transferred to a different company and they are requesting for it.

  • http://pagibig Arleen

    Hi,
    Admin, gusto ko pong malaman kung papaano mag apply ng MPL.OFW po ako but 24 months na po akong nagbabayad sa Pag – ibig.Pwede na po ba akong mag LOAN ng MPL at ang amount na apply ko ay 1 Million?Tnx

  • http://pagibig Arleen

    Admin,

    Add ko pa po, ano pong requirements ang need ko iprovide para sa MPL? Need ko pa po bang umuwi sa pinas para sa pag aaply ng MPL o kahit d2 ako Dubai pwede ako mag process? Paki advise naman po ako kase need ko matapos ang bahay ko sa pinas kaya gusto ko mag apply ng MPL….TNx

  • leonard

    ask q lng po,pwd nb ung title ng entire residential as requirement?dun din nman po kc aq mgpapatau ng bahay sa tabi ng bahay ng nanay ko.at kadarating q lng d2 riyadh dec.last year automatic ba pag mgloan aq as pop kc d2 aq abrod?panu yan di pa nman aq member d2? my 24months na rin po aq contr.gus2 q pong mghousing loan.

  • Dhan

    I just wanted to have a print out of my loan status in Pag-IBIG MULTI-PURPOSE LOAN so I could continue the payment through my current employer but I couldnt find the website. My current employer needs the print out so they can deduct the monthly payment including the incurred interest or penalty through salary deduction.

    I processed the Pag-IBIG MULTI-PURPOSE LOAN at Pag-Ibig Buendia, Makati Branch of June last year. Salary deduction through my previous employer started last Aug, 2011. My previous company was able to deduct once last Aug before I resigned.

    I would like to pay the outstanding balance through salary deduction with my present employer. But my current employer needs the print out of the status of Pag-IBIG MULTI-PURPOSE LOAN.

  • Jernie

    Hi Mr. Admin

    Question regarding po sa housing loan, since im 13yrs na nag wowork and active parin ti’ll now sa pag ibig contribution. tanong ko lang po mga magkano po kayo ang mauutang ko sa bangko kung sakali uutang ako? Maraming salamat

  • jun

    Hi admin,

    I am a pag ibig member and I have been paying my monthly contribution regularly for almost four (4) years now..and I have also a housing loan in one of the developers in manila payable for 20 years, I paid already the down payment and I have already been paying the monthly amortization for six (6) months now. I am planning to take or transfer this loan to Pag-ibig this year but prior to this loan can I apply for MPL (Multi Purpose Loan) for the move-in processing of my unit? since the developer issued me a move-in notice to occupy the unit but I need an amount for this activity, is my planned for pag-ibig housing loan application will not be affected or delayed once my MPL will be approved? Thank and more power!

  • Shella may

    My MPL po aq nung nov taz jan po ung unang deduction q.. Pwd po bang hndi q na hihintayin ang pang 6mos q at babayaran q nlng ang para sa 6mos na deduction q para mkapagreloan? Tnx

  • Blake

    Hi admin,

    Nag avail ako ng MPL and 11 months ko na syang binabayaran… Gusto ko sanang mag apply ng housing loan… pwede ba un? Or kelangan ko munang bayaran ung MPL ko?

    Second, Pag binayaran ko ba ung remaining ng MPL ko (Lets say bayaran ko sya next week), pwede na ba ako agad mag apply ng housing loan or do i need to wait for few days/weeks/months before ako makapag apply? I just wanna make sure first na wala magiging problem pag nag apply ako ng housing loan… Thanks..

  • http://Yahoo Ambeth

    Gud day po, gusto ko po sana malaman ang pag compute ng MPL. Kasi po nag reloan po ako nung jan,(cant remember thae exact date) 2012, cash card n po ang binigay sa akin kaya nung try ko gamitin 6,8.. something po ang laman, me dati po akong loan amounting 8thou plus nakaltasan n po ako ng employer ko ng 10mos.( 488monthly) 488×10=4,880, kaya ang alam ko po 4thou n lng ang bal ko sa loan na syang dapat ibawas sa reloan ko, ang pinagtataka ko po 14thou ang total amount nung reloan ko ng jan, bakit po 6,8.. lng ang laman ng cash card ko, ang laki naman po ata ng nabawas gayong alam ko n 4thou n lng ang bal ko sa previous loan ko. Sana po masagot nyo ang katanunga kong ito, hindi po kasi naibigay sa akin ng employer ko ung voucher ng loan ko, kaya medyo duda po ako,
    Salamat po ng marami

  • lilblue

    hi admin! just want to ask if how would I know the status of my loan and how much would it be? It is my second loan already. I had a 4k loan last year, so after 1 year i applied for another, i know the balance would be deducted from the new loan but i want to know how much would the second loan would probably be? is there a link where i could check my status? i applied via my employer but since it is vacation and i am working in manila, i want to check first the status via site or even thru landline. thanks! i hope you would reply. :)

  • http://www.pagibigfinancing.com admin

    @lilblue:
    The only way to find out is to visit the branch where your records are kept.

    @Ambeth:
    It’s best if you can visit the branch and inquire about your loan details there.

    @Blake:
    The two types of loan are different from each other so you can take both at the same time. But there are cases when you will be asked to first setle your MPL before you can have a housing loan. Though you can also have the MPL Loan paid from the proceeds of your housing loan. Please ask the loan officer at the branch to see what they can do with your case.

    @shella:
    You can do that. But why not just use the money that you are about to use in paying instead of getting another loan?

    @jun:
    The question you should ask is, “How much MPL Loan can I get? Will it be enought to cover my move-in expenses?” Please review the article
    above to find out the answer.

    @Jernie:
    Did you mean the housing loan from the bank or from Pag-IBIG Fund? If you mean Pag-IBIG, please read this:

    http://www.pagibigfinancing.com/articles/2011/how-your-income-and-contributions-affect-your-housing-loan-entitlement/

    It discusses the Income, Contributions and the Loan Amount you can possibly get.

    @Dhan:
    Please request it from that branch.

    @leonard:
    I think you are already a member. Please verify your records at the office.

    @Arleen:
    Yes, you have to be here for the MPL Loan.

    @rose:
    You can get it from the branch.

    @cora:
    Please visit the office first and inquire about your membership details. To withdraw your money, please follow this link:

    http://www.pagibigfinancing.com/articles/2012/money-matters-pag-ibig-fund-provident-savings-and-provident-claims/

    @ron:
    not having a bank account is not a hiddrance from getting an MPL Loan.

    @aljon:
    I’m afraid you can get that much loan with MPL.

  • noel garon

    gusto ko mg loan MPL sa itatayong GYM ofw po ako at 1 month lng ang bakasyon ko pwede ko ba malaman gano kabilis ang released ng loan

  • mhel

    hi admin… tanong ko lang po kong magkano po ang mailoan ko sa multi purpose loan? kc ang contribution ko po ay $10 US dollar… so magkano po ang pwedi kong mailoan sa multi purpose?…thanks po..

  • http://www.pagibigfinancing.com admin

    @mhel:
    Please read the article above in order to get an estimate.

    @noel:
    I’m afraid the MPL Loan Amount is not large enough to cover that kind of project.

  • Arvin

    Hi Admin,

    Can i ask a copy of my previous MPL check voucher dated April 2010 if i recall it right, so that i can still continue to pay my monthly payment through salary deduction with my new employer. as per my new employer is concern they cannot file/process my payment mode without that check voucher for there reference. moreover, my orig. check voucher was already submitted to my previous employer when I’m still employed to them. upon follow-up/asking them for a copy there saying that they misplaced it. maybe they’re not interested with that small item because I’m no longer connected to them.

    Thanks for your help.

    Arvin

  • ma. zita s. aligaga

    Dear Sir:

    My property is mortgaged at Home Guaranty Corporation. Can I apply for a
    home improvement loan, using my son’s pag-ibig membership? His wife is also a member.

    Sincerely
    Zita Aligaga

  • SilverMidnight

    What are the requirements for consolidation?
    I’m working in a call center in Teletech Bacolod so the main HR office is in Manila, communication can be really hard and frustrating.

  • http://www.pagibigfinancing.com admin

    @SilverMidnight:
    You have to request it at the branch. There are basically no requirments, but you need to fill up a form there.

    @ma.zita:
    Getting a housing loan from Pag-IBIG will require your land title, but in this case, you can’t use it since it is currently mortgaged.

    @Arvin:
    Please request that one at the branch.

  • Rosanna Marasigan Atchivara

    Dear sir/madam:

    I want to continue my contributions, I’ve got only 25 contributions since Jan 1995 up to May 1997. Can I apply for for MPL anytime or do I need to continue my contributions first before I apply for a loan? I’m working abroad now and its hard to call your office.

    Thank you.

  • http://www.pagibigfinancing.com admin

    @Rosanna:
    You will be required to update your membership by contributing anew for you to be able to apply for a loan.

  • Gilbert Abellar

    Helo Madam/Sir,

    Good afternoon po!

    Magtatanong po sana ako tungkol sa inyong pamamaraan sa pag loan. Ganito po yun,dati po nagtatrabaho po ako sa Pinas for 2^1/2 years sa Cebu at may contribution pa ako sa PAG-IBIG nun pero nong lumipat po ako sa Singapore kung saan nandito pa po ako hanggang ngayon nahinto po 2 years narin po akong hindi nakapag contribute,gusto ko po sanang bumalik sa pag cocontribute, at nag paplano po ako kumuha ng loan by next year. Pwede po bang bayaran ko rin yung mga nakalipias na taon na hindi q nabayaran?Papaano po? Maka ka kuha po ba ako ng loan kahit di ako naka pag contribute noong nakaraang 2 yrs? Ano po ba ang required number of months of contribution para maka loan?
    Hope to hear you from you soon!Maraming Salamat Po….

  • vic

    Sir ask ko po paano po natin taasan ang contribution natin?dati ung kapatid ko empleyado sa mron namn sila Pag-ibig,sa ngayon po kc nas aibang bansa na xa..this year lng nagbayad xa ng voluntary payment which 200 lng,gusto nya taasan wd ba deretso nlng kmi magbayad sa gusto nming amount?or we need to go to the branch office nyo pra ipaalam..tnx..more power..

  • http://yahoo.com NELIA AYSON LIZADAQ

    OFW AKO AT SUBRANG DISAPOINT SA DAHIL NAG APPLY AKO MPL DAHIL GUSTO KUNG MAKITA AT MA SUBUKAN AT ISA PA PURO MAGAGANDA ANG MGA PINAG SASABI NANG PAG-IBIG SA JEDDAH SAUDI ARABIA, 5 MONTHS NA AT HANGANG NGAYON WALANG NANGYARI, DITO AKO NAG APPLY SA GENERAL SANTOS CITY, BNIGYAN AKO NANG MGA TEL #S PARA MATAWAGAN KO RIN ANG MAKATI PERO PINAG PASA-PASAHAN LANG AKO AT GUMASTOS NANG MARAMING LOAD, AT MADALAS PAG TINAWAGAN KO ANG MAKATI LAGI AKUNG PINAGPAHINTAY, TAPOS ITRANSFER LANG PALA TAWAG KO AT PARA AKUNG TANGA NAG HINTAY AT NAKINIG SA WAITING TONE NANG KABILANG LINYA, GANITO BA ASSISTMENT NYO SA OFW!!!!!!!!!!?

  • http://www.pagibigfinancing.com admin

    @Gilbert:
    This is what you should do:

    1. Request for a list of your past contributions from the branch where you used to send your payments.

    2. Pay for your current and future contributions there. This will update your account.

    You may have to wait for 12 months to be able to apply for a home loan.

    @vic:
    Yes, you can simply increase your amount of contribution.

    @Nelia:
    Thanks for sharing your experiences. :-)

  • Ed Gacusan

    mag bibigay ng telephone ang imus branch for salary loan follow up ring lang ring..what a waste of time…nakaka high blood

  • grace

    Hi admin,

    Just want to inquire about my mother’s situation. She has an outstanding MPL with Pagibig but unfortunately she lost her job last year. Can she apply for loan condonement or there are any other options that would work for her? Also, does the table for available loanable amount applies to MPL or only to housing loan???

  • http://www.pagibigfinancing.com admin

    @grace:
    She need not worry about that. Pag-IBIG will simply take the payment from her TAV. That’s why the loan amount is dependent on the member’s TAV.

    The Loan Table is only for Housing Loan. For MPL, please re-read the above article.

  • winston

    to admin
    nagresign po ako sa work ko at nag-abroad.. paano ko po mababayaran yong salary loan ko n hindi ko natapos byaran…salamat po

  • http://Facebook.com mark

    how can i loan for home improvement?

  • http://www.pagibigfinancing.com admin

    @winston:
    Please check this at the branch, but most likely they would use your TAV (your savings) to pay for the loan.

    @mark:
    You have to attend the loan seminar. Please go to the branch.

  • Michael Sta. Rita

    ADMIN,
    Pasensya na po pero di ko po ma gets yung TAV. Balak ko po kasing mag loan gamit yung Multi Purpose Loan. Me contribution na po ako ng 24 months at ang kinakaltas po sa akin ng employer ko ay 50 pesos per month. Sir pwede po ba ako maka pag loan ng 20,000 pesos?
    Thanks po.

  • http://www.pagibigfinancing.com admin

    @Michael:
    Please review the article above. The TAV and loan amount are already discussed in the article.

  • arlene navarro

    nagloan ang husbamd ko ng MPL and im not sure kung nadeduct sya or nakakabayad sya ng loan nya, pano ko malalaman? T kung magkano pa loan nya? any link?

    • http://www.pagibigfinancing.com admin

      Arlene,

      If your husband is not paying it, the Pag-IBIG Fund will get the payment from his TAV, that’s basically his money at the Fund. You can inquire about the details at the branch.

  • nora

    Good day Admin:

    I am active member of POP since i was in Hongkong then I continue here in Canada and I want to apply for Short Term Loan, ano po mga requirements po na kailangan ko submit, at pwede po ba sa branch nyo sa Nueva Vizcaya or dyan lang sa Main Office nyo pwede puntahan kc nag inquire pamangkin ko doon di nila ma access ang POP member number ko. Thank you

    • http://www.pagibigfinancing.com admin

      Hi Nora,

      First, you need to consolidate all your contributions. And remember that Pag-IBIG doesn’t have a central database yet from which they can extract your records electronically. So that means it would take them a longer time to process your loan application.

  • Anne

    Hi,

    ask ko lng po kung need po ng application number sa claim stub to get the cheque for MPL?

    I got my stub po kasi but it has no application number.

    Thanks.

    Anne

    • http://www.pagibigfinancing.com admin

      Anne,

      Your claim stub should be enough.

  • Nelson Ayos

    both po kaming mgasawa eh OFW (seaman) mka-avail po b kmi mg loan about 1Million for expansion ng business…nho po ung 1st step n nggwin, at sn po ung nearest Pag-ibig branch samin kmi po ay taga Amadeo sa Cavite…at long po nmn n m-claim ang loan … tnkz po..

    • http://www.pagibigfinancing.com admin

      Take note that an MPL Loan depends on your contributions. So, 1M for MPL Loan is not likely to be approved.

  • nelsoncapuyan

    tanong po ako kung mag na lang ang balace ko sa salary loan nung sa norkis pa lang ako nag work.

    • http://www.pagibigfinancing.com admin

      Nelson,

      Please check it at the branch where you got the loan.

  • nelsoncapuyan

    tanong po ako kung magkano na lang ang balance ko sa salary loan
    ko nung sa norkis pa lang ako nag work.

    • nelsoncapuyan

      maghintay po ako sa reply nyo?pwide nyo rin po itex sa number ko XXXXX

      Note: Cellphone number is deleted by admin.

      • johnrie m. juban

        gud pm,tanong lang po ako about my salary loan kung magkano na lang ang balance ko nung ngwork pa ako sa cebu east asia services corp.

  • Janice

    kung may outstanding salary loan pwede po b magapply for MPL?

  • http://yahoomail randhall palma

    Gud day! We are in an Island of Marinduque…We have a lot of question on our contributions and loans. Our first branch was Lucena, and it is fine with us to get an inquiry in that location… Now we are move in Calapan, Mindoro Branch…Its too hard for us…Travel time in Lucena makes us by Boat at half day… While Calapan makes us 2 boats and a Bus, for a total of 7 rides….that makes 1 day to travel…. All Marinduqueno’s are awaiting for your support and action….thank you.

    • http://www.pagibigfinancing.com admin

      Randhall,

      I hope someone from the higher ups can read your comment and actually take action.

      Thanks for visiting!

  • Jasper C. Glinofria

    Pwede pa ba akong mag-avail ng MPL kahit yung huling hulog ko ay september 2011 pa? nag resign kasi ako sa company na pinasukan ko, at ngayon gustong malaman kung pwede pa. Thanks.

  • rose ann r. mejia

    good a.m, ask ko lng po pwede po ba akong magloan para sa small business gaya ng store po. kahit na nagresign n ako sa work,.. 3 years po ako sa kfc, 3 years ko din po hinulugan pag ibig ko po. tnx po

  • arnold gerale

    gud evening!
    pwde po ba ako mag file nang educational loan; kahit nakapag loan nako nang short term loan
    thank you!

  • http://www.yahoo.com Glory Sawac

    Hi Admin,
    Member po ako ng Pag Ibig noong nasa Cyprus ako.As of now,andito ako sa Russia. Ngayon gusto ko pong mag loan ng personal loan or Multi Porpuse Loan. Ano po bang requirements ang kailangan. Wala po akong Contract sa employer ko dahil freelancer po akong pumunta dito.
    Sa ganitong sitwasyon,am I still quialified to loan? Thank you very much and Godbless!

  • http://yahoo.com jocel bajao

    gud evening po.. ask lng po sana ako.. ilang cotractual na trabaho na po ang napasukan ko di may mga deductions po ako dun sa pag-ibig but till now wla pa akong natanggap na card id for pag ibig. ask ko rin po rin sana kung paano ko malalaman ilang months na po ang payable ung pag-ibig ko kasi gusto ko na po sanang mag loan for financial… or kung pwde nga para makahanap na ako nang konting bahay na matuluyan namin kasi renters pa rin ako ngayon with my 2 kids.. huhuu… so please help me po kung paano.. thank you po.. and god bless you always..

    by da way taga davao city po ako..

  • jaja

    dati po akong pag ibig member in pinas. ngyon po nasa malaysia aq… may agency fill up new pag ibig membership sabi meron daw kami panu q malalaman kung nahuhulugan… papanu rin aq kakapag apply ng personal loan sa pag ibig..?????? morethan 24 na contribution n aq…

  • jane bonna buhisan

    hi,

    good day. member po ako ng pag ibig cguro mga 4 years na paying the maximum amount contribution ng pag ibig. then i want to avail the multi purpose loan, it is true na 21900 lang ang ma avail ko? kasi ang mom ko lang ang nag inquire since i am not base in the phil. as of now. sana matulungan mo ko masagot yong mga tanong ko. 1) up to how much ba talaga ang pwede ma avail na loan sa multi purpose loan other than 21900? 2) at ano ang process to avail this loan?

    • http://www.pagibigfinancing.com admin

      Jane,

      Please re-read the article above to really understand the MPL Program. You can loan up to 80% of your contributions, max.

  • gladys g. limson

    sir i would like to inquire if i can avail an educational loan if i have still an old account at pagibig?

  • Irene

    Hi admin,

    I have an existing MPL loan last 2010 and have not paid yet. I would like to file for a Calamity Loan sana since our area got really devastated by Habagat. Will it be possible for me to be granted?. And correct me if I am wrong, if ever naman po na magrant ako, i-dededuct naman po ito sa current loan ko di ba?. And lastly, how long po ba is the processing of merging my contributions from previous to current employer?. Ganun po ba palagi everytime na mag loloan ako, dapat ipapa merge ko muna?. thanks much po in advance.

    • http://www.pagibigfinancing.com admin

      Irene,

      You should request for a consolidation or merging of your account if you move from one employer to a new one.

      You can try to file for a Calamity Loan there at the branch and they will take a look at your records. And yes, they will offset your proceeds if you have an existing MPL Loan.

  • mic

    Hi there!
    My previous employer forgot to deduct my Calamity Loan in my salary, so they started late. I moved to a new company informing Pag-Ibig about that and they sent us a letter saying the amount I need to pay and if I don’t pay it, the company would be liable and the one to pay my loan. I continued paying it and even made an advance so I can make a loan someday. I was surprised to find out that they made an offset to my TAV saying that it lapsed the 24 months payment. I already paid 12 months and was surprised to see the amount they deducted from me. They did not inform me or the company about that. Now they asked me to wait for 24 months more or pay full but I already finished paying my loan through salary deduction. What happened with this?

    • http://www.pagibigfinancing.com admin

      Mic,

      Please visit the branch and refer your case with them. If you can bring some proofs of your payment, that would be the best. Sometimes, it’s the delayed posting of transactions that cause the problem.

  • babam

    I just got a multipurpose loan of P82,617.84, how come my capitalized interest is 19,243.03? i have no previous loans. can you help me with how this was computed?

    • http://www.pagibigfinancing.com admin

      babam,

      only they can give you the right answer to your question.

      • babam

        Thanks. I sent pag-ibig an e-mail about the interest rates and was informed that MPL interest is NOT based on diminishing balance. So the rates is actually high!

  • ritzello

    Gud pm.question lng if for example a person has contributed thru pag-ibig 3 years under employed category and he or she wanted to apply for multi purpose loan or short term loan, how much po kaya ang loanable amount na puedeng marelease sa kanya? I’m not asking for an exact amount ,idea po sana more or less please.thanks

    • ritzello

      Answer pls.

  • Nathaniel Ramos GAELA

    Gusto ko po sanang mag loan, kaya lang po di ko alam kung entitled po ako, sa kasalukuyan po nag babayad pa po ako sa housing loan, pero gusto ko png mag loan para maipagawa ko po ang bahay ko, salamat po, need your immediate reply. Thanks, God bless

  • REYMOND

    Hi admin,

    first thanx for this site!! I have question., I hAve my first loan last year pa.. and ,y remaining balance pa ako na PHP2000 plus pa. pwde na ba ako magloan? I will be using the money for house renovation and what would be the process? please help.. how much pala yung second loan?

  • anne

    hi good day! can i ask if how much pwedeng bayaran if may loan pa ako let’s say kunyari na-loan ko before is nasa 11k, i mean para makapagloan ulit ako?ilang months pwedeng bayaran, sample 5 months,6 months po ba? para makapagloan ulit ako, thanks po

    • anne

      i need your answer asap.. ty po

  • anne

    hi good day! can i ask if how much pwedeng bayaran if may loan pa ako let’s say kunyari na-loan ko before is nasa 11k, i mean para makapagloan ulit ako?ilang months pwedeng bayaran, sample 5 months,6 months po ba? para makapagloan ulit ako, thanks po

  • Katherine Montales

    Hi Admin,

    May I know when can I avail of Housing Loan? How Much contribution do i have to make before i avail this loan? I am 6months contributing now, please advise.

  • http://yahoo nex

    how to avail educational loan sir????, wanted to pursue my studies and i am worried if i can cope up with my semestral expences..,, if possible what are the requirements sir????and up to how many percent ang eduactiuonal loan,,, could it be possible to apply for loans,,, educational and salary loan???tnx

  • http://yahoo nex

    could it be possible to apply two loans at a time,, salary and educational loan???

  • Pingback: Your Money in Pag-IBIG Fund — Pagibig Financing()