The Pag-IBIG Calamity Loan 101

The recent typhoons that hit the Philippines have really done so much damage to a lot of families and establishments. As with all types of calamities, those were unexpected and they caught the residents unprepared. A report said, typhoons Pedring and Quiel have rendered five provinces, eight cities, and five municipalities under the State of Calamity. In times like these, being a member of the Pag-IBIG Fund could somehow ease the burden knowing that Pag-IBIG can extend a helping hand.

This article discusses some of the most important things you should know about the Pag-IBIG Calamity Loan. Obviously, being a victim of a calamity, Heaven forbid, is something you want to delete from your wish list.

Note: This is an old article, but this is popular again due to the recent calamity that hit the country. However, the basic idea of the Pag-IBIG Calamity Loan remain the same, so read further and don’t forget to share this to your friends.

Pag-IBIG Calamity Loan vs Pag-IBIG Multi-Purpose Loan

Remember the three prime benefits available to Pag-IBIG Members? They are the following:

  • Short Term Loan Multi-Purpose
    Loan, Calamity Loan, Personal Loan, etc
  • Housing Loan — House and Lot Purchase, Home Construction, Home Improvement, etc
  • Provident Savings — Money which you can claim when the right time comes.

This is very important: The Pag-IBIG Calamity Loan is really just a special type of Multi-Purpose Loan. That means, when you apply for a Calamity Loan, you are bound by the same rules and guidelines set by Pag-IBIG when availing of a Multi-Purpose Loan. Some of these are as follows:

  • Member Qualification — The member must have contributed at least 24 months and must be active at the loan application.
  • Loan Amount – A maximum of 80% of the member’s Total Accumulated Value or TAV (personal contributions, employer’s contribution, and dividend)
  • Interest Rate – This is currently set at 10.75% per annum
  • Loan Term – The loan is payable in 24 months.

Plus, specifically for the Calamity Loan, the following also applies:

  • Grace Period – 5 months.
  • Member Residence – The member must be a resident of the affected area.

( See also: This article and this for a detailed discussion of the Pag-IBIG Multi-Purpose Loan.)

Question: What if I still have an outstanding Multi-Purpose Loan, can I still avail of the Calamity Loan?

Answer: Yes, sure, but the outstanding balance of your current MPL Loan will be deducted from the proceeds of the Calamity Loan.

Calamity Loan Requirements and Application Process

Calamity Loan Applications are accepted in Pag-IBIG branches or centers where the calamity areas belong. To facilitate the process, Pag-IBIG staff are deployed in the affected areas as well.

Members are advised to prepare the following documents when applying:

  • Certificate of net pay
  • Two valid identification cards
  • For government employees, a photocopy of Land Bank ATM Card

Normally, applicants will also be required to have a copy of the Certification from their Barangay Captains. But in the case of Pedring and Quiel victims, there is no need to do so since the Office of the President has already issued a statement declaring those areas under the State of Calamity.

Some Facts On Calamity Loan Related to Typhoons Pedring and Quiel

  • The Pag-IBIG Fund has recently approved the release PhP 601 M calamity loan intended for use by about 37,000 members affected by typhoons Pedring and Quiel.
  • Affected Members-Borrowes may also avail of the three-month moratorium on housing loan payments.
  • Loan Application is only accepted up to 90 days from the day the State of Calamity was declared.

August 2012 Update

For those who are affected by the recent typhoon Gener and the heavy monsoon rains, please check this link at the website.


“The Pag-IBIG Calamity Loan 101” is written by Carlos Velasco.

  • Antara L. Zacaria

    ask ko lang po, admin aide IV lang po position ko sa government at pag-ibig member din ako then nag pa farmer po ako at my business po ay pwed po ba ako maka avail ng cash loan na nagkakahalaga po ng 3 million? para makabili ng comercial lot worth 3million.?

  • Celso Castro Ramos JR.

    nag file po ako ng calamity loan last october 18,2011 3x na po akong pinabalik balik pero hanggang ngayon po wla pa daw po.pero dati naman po akong nakakaloan ano po kaya ang problema,yun pong mga kasabay ko nakakuha na pero ako wla pa pamasahe lang po mapupunta yung maloloan ko ang tagal ng pag proses nyo.

  • admin

    Only residential properties are allowed by the Housing LOan Program.

    Did you ask the staff why your check is not yet given?

  • norlyn lego

    hi! ask ko lang po!member po ako ng pag ibig and as of now nagrerent lang po kami ng house gusto ko po snang mag loan ng pera kasi sanla po ng auncle ko house nya pede po ba un?


    hi pag ibig member po ako alomst 11 months na,gusto ko po sana magloan ng pera PARA SA BAHAY.ask ko lang kung ilang buwang hulog ang kailangan b4 mkapagloan?thanks..hoping for a reply.

  • cheryl abada dela cruz

    goodmorning po!isa po aq s nag apply ng calamity loan due to pedring typhoon last september 2011. nasa mgkano po kya yong makukuha ko since 36mos.n ako nghuhulog yon nga lang po first loan q po ito? bale taga dito po ako s Olongapo City.tnx

  • G

    Ask ko lng. Nagfile ako nag calamity loan nung dec 8 pero nadecline kc wla daw ako hulog fr0m april to august 2011. Db sbi dpat 24m0ns c0ntributi0n and active employee?

  • G

    And until when pde mag file calamity loan? Wt do u mean active c0ntributi0n? Dapat po b 6m0ns and ab0ve active contributi0n? And may 24m0ns total c0ntri?

  • Aldwin Q. Policarpio

    I’m a regular employee and I would like to apply for a personal loan, can you assess my account if I am eligible for this particular loan? My PAGIBIG # 000129880910 where can I get the application? Thanks!!

  • armida Cocal

    pwede po ba akong makaavail ng loan kahit na di pa po ako kinakaltasan ng calamity loan ?

  • armida Cocal

    sa mga branches lang po ba ako makakuha ng updates ko ng contributions sa pag-ibig?wala po ba online?

  • admin

    Yes, only at the branches this time. There is no centralized database system for the entire Pag-IBIG Offices where the records of the members are kept electronically.

    Pleas apply directly at the branch.

  • merlita dizon

    gud day po…pwede po bang ichek nyo ang mga employers na hindi up-to-date ang payment sa pag-ibig samantalang agad nmang kinakaltas ang mga employee share sa aming sahod? nadidisapprove po kasi kami sa mga loans namin lalo ngayon na nid po naming mga employees dahil sa mga kalamidad….region 3, tarlac…ty po! sana mabigyan ng pansin ang aming hinaing…

    • admin


      Please file your complaints at the branch.

      • merlita dizon

        ayoko nga pong mabulgar kung sino ako… mhirap po kasi… baka iterminate pa ko…di po ba pwdeng kayo ang magpagawa nun sa branch?

        • admin


          Pag-IBIG can only act if you let them be aware of the case.

  • arjay placides

    member po q ng pagibig matagal n start ng 2008 kailangan ko po ng calamity loan taga pasig po ako. isa po kami sa naapektuhan. kaso hindi ko po makita ung pagibig number ko. ung last employer ko ay primoris agency dyn s sucat paraniaque city at winpex company dyn din sa sucat. sana matulungan nio ko salamat.

    • admin


      Please coordinate that one with the staff at the branch. They are the ones keeping your records.

  • Pia

    hello po,

    nagfile po kami ng calamity loan nitong nagdaang monsoon flooding. alam po namin na para sa multi-purpose loan ay 5 working days ang pagprocess. ilang days po bago narerelease ang calamity loan?

    salamat po!

    • admin


      Sorry for the late reply. But the calamity loan is faster than the regular MPL Loan.

  • ruby ann oraliza

    kasali po b ang parañaque sa calamity loan ??nid po kc ng confirmation bgo payagan mg loan asawa ko ng calamity ..

  • B Chan

    hi po.. i filed CLAMITY LOAN at pagibig and received P1,700 only is it possible na ganung amount lang ang makuha? anong mangyayare sa P1,700?? member since 2007 .. pls advice

    • admin

      B Chan,

      Yes, since the loan amount is actually dependent on your TAV.

  • eric

    kasali po ba ang imus cavite sa clamity loan?

    • admin


      Please check with that Pag-IBIG Branch in that area.

  • angelito gura

    ask q lng po,nag file po aq ng calamity loan e2ng araw sept.12 2012 ok na po requirements po pero pgdating sa print ng statement of accumulated value till may palng po ang nsali pero continiuos nman po work q.1st tym q pong loan e2 my 38 na po aqng contribution.bakit po ndi me nkakuha eh 24 mos,lng pde na po…anu po dapat gawin.?

    • admin


      Please ask them for an explanation. They are the ones who can explain it best since they have your data.