Pagibig Financing

Pag-IBIG Fund, Housing Loans, Mortgage, Membership, Foreclosures, etc

Pag-IBIG Overseas Program

Online Concerns: Housing Loan Applications, Membership Status And Contributions Inquiry, Etc.

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Most visitors coming to this website are Overseas Filipino Workers based from different places abroad. And many of them are asking about the online facilities of the Pag-IBIG Fund (the official website is at http://www.pagibigfund.gov.ph) so they can do some transactions anywhere they are comfortable. Some of the most common questions we encounter are listed below.

  1. I want to become a member of the Pag-IBIG Fund. Can I do it online? Do you have an online form that I can fill up and send back to you?
  2. Can I apply for A Housing Loan Online?
  3. May I request for my Pag-IBIG ID Number? Please send it through email.
  4. How will I know about my past contributions?
  5. Can I send my payments (contributions/amortizations) online?

Of course these are valid concerns as legitimate members of the Pag-IBIG Fund.

In this article, we’ll address each of these questions.

#1. Membership Application: I want to become a member of the Pag-IBIG Fund. Can I do it online? Do you have an online form that I can fill up and send back to you?

Yes, this is possible. Simply download Member’s Data Form. Print two copies and send back to the Pag-IBIG Fund.

While doing that is very convenient, the good ole way of actually handing it to the office is still best way to do it. That way, you get someone to give you an acknowledgment that your form has been received.

The most ideal way of doing it should be to just fill-up and online form — as opposed to downloading it — and waiting for a verification via email. Unfortunately, this one doesn’t exist yet. So, let’s make the best use of this one.

See also:

#2. Online Loan Application: Can I apply for A Housing Loan Online?

Just like the new member’s concern stated in #1, applying for a housing loan online still involves downloading an application form. Actually, there are other forms available on the website that are related to Pag-IBIG Loans. Here is one that you can use for the Housing Loan

The best way you can do with that form is to first study it. That should give you an idea of the documents and financial information required of you. Of course, the application will only be honored once submit it together with your signature.

Related Links:

#3. About Pag-IBIG ID: May I request for my Pag-IBIG ID Number? Please send it through email.

Sorry, but you have to personally go to the office and request for your Pag-IBIG ID Number. Please refer to #4 on how to best approach this concern.

#4. Contributions: How will I know about my past contributions?

You may want to proceed to the nearest Pag-IBIG Office and approach the staff that you want to consolidate all your contributions. You will then be given a form that you need to fill up.

The result of this might take some time especially for those who are transferring from one employer to another or those who have changed their memberships, say from employee to self-employed.
Please be patient and follow-up your inquiry at the concerned Department from time to time.

Once you get the result, you should be able to view a list of your contributions and that of your past employers. Plus, take note, the document should bear your Pag-IBIG ID Number.

See also: Your Money In Pag-IBIG Fund.

#5. Online Payment: Can I send my payments (contributions/amortizations) online?

Unfortunately, this is not possible yet. The closest way to accomplish this is to open an account with a Philippine Bank that accepts Pag-IBIG Payments. You can then arrange with the bank to execute an auto-debit setup from your account to Pag-IBIG Fund to pay for your contributions or obligations.

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This article is written by Carlos Velasco.

Pag-IBIG Overseas Program: International Directory

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An Overseas Filipino Worker who visited this website once dropped a message asking about the office of Pag-IBIG Fund in his host country.

Definitely, there are a lot of OFW’s like him who are in the same situation. Their common questions include:

  1. Is there a Pag-IBIG Fund Office in [name of the country]
  2. I am based in [host country], how can I send my payment
  3. I want to be a member of Pag-IBIG, but I am still abroad. Can I send a representative?

It is true that there are many Filipino Workers and Immigrants scattered all around the globe. Many of them are dreaming of owning a home in the Philippines. And still many of them would want to contribute to Pag-IBIG to take advantage of Pag-IBIG Housing Loan Program For the Overseas Filipinos.

Here is a short directory of Pag-IBIG Offices / Representatives present in different parts of the world. Most of them are in the Middle East where majority of the Filipino Workers are based.

But before checking them, it helps if you can get in touch with the representatives of Pag-IBIG Overseas Program in Manila. Here it is:

PAG-IBIG OVERSEAS PROGRAM
317 Justin Building Sen. Gil Puyat Ave., Makati City
Fax No. (632) 812-8971

Pag-IBIG Fund Contact In USA and North America

Love Fund USA, INC.
Suite A, 1680 Civic Center Drive
Sta. Clara, CA, USA 95050

E-mail Address : lovefundusa@sbcglobal.net
Phone : (00408) 8934210
Fax : (00408) 2461099

Pag-IBIG Fund Contact in Europe

Rome, Italy:
c/o PHILIPPINE EMBASSY
Vialle delle Medaglie d’Oro 112/114 00136
Rome, Italy

E-mail : poprome@pagibigfund.gov.ph
Phone: (003906) 39740853
Fax : (003906) 39740853

Milan , Italy:
c/o PHILIPPINE CONSULATE GENERAL
Via Stromboli 1, 20144
Milan, Italy

E-mail : popmilan@pagibigfund.gov.ph
Phone : (003902) 43510205
Fax : (003902) 43510205

Athens, Greece:
c/o Embassy of the Philippines
No. 158 Sevastepoleous St.
Ambelokipi, Athens 11526
Greece

E-mail : popathens@pagibigfund.gov.ph
Phone : +30210-6983265
Fax : +30210-6983265

Madrid, Spain:
C/O PHILIPPINE EMBASSY
Calle Eresma 2/ Calle Guadalquivir 6
28002 Madrid, Spain

E-mail : popmadrid@pagibigfund.gov.ph
Phone : +3491-7550117
Fax : +3491-4116606 (Phil. Embassy)

London, United Kingdom:
6 Suffolk St.,
London, SW1Y 4HG United Kingdom
E-mail : poplondon@pagibigfund.gov.ph
Phone : (004420) 8854-0197

Pag-IBIG Fund Contacts In The Middle East

Riyadh, KSA:
c/o PHILIPPINE EMBASSY
Site D4, Collector Rd.,
C Diplomatic Quarters
P.O. Box 94366,
Riyadh, KSA 11693

E-Mail : popriyadh@pagibigfund.gov.ph
Phone: (009661) 482-3615; 482-1577; 482-0507; 482-1802; 482-0474; 482-3559; 488-0835; 480-1918; 480-3662; 480-3688
Fax: (009661) 488-3945

Alkhobar, KSA
c/o SKYFREIGHT FORWARDERS
1st St. cor. King Fahad St.,
P.O. Box 2539,
Alkhobar, KSA
E-mail : popalkhobar@pagibigfund.gov.ph
Phone : (009663) 898-6500
Fax : (009663) 865-4482

Jeddah:
c/o PHILIPPINE CONSULATE
UMM Al-Qura Street
Rehab District
PO Box 4794 Jeddah 21412

E-mail : popjeddah@pagibigfund.gov.ph
Phone : ( +9662) 667-0925; 669-6303
Fax : (009662) 669-679

Kuwait:
c/o PHILIPPINE EMBASSY
Block 7 St. 103 Bldg.,
503 Jabriya,
Safat, 13123 Kuwait

E-mail : popkuwait@pagibigfund.gov.ph
Phone : (00965) 532-0224
Fax : (00965) 532-9319

Bahrain:

c/o PHILIPPINE EMBASSY
Villa No. 992 Road
No. 3119 Area 331,
Manama, Bahrain,
P.O. Box 26681

Email : popbahrain@pagibigfund.gov.ph
Phone : (00973)17246-300
Fax : (00973) 17676161

Qatar

c/o PHILIPPINE OVERSEAS LABOR OFFICE
Al Abraj St.,
Fariq Bin Omran
P.O. BOX 24900,
Doha Qatar

E-mail : popdoha@pagibigfund.gov.ph
Phone : 00974-4866236/ 486-1220/ 486-8001
Fax : 00974-4878599

Dubai (Consular Office)
c/o PHILIPPINE CONSULATE GENERAL
PHIL. OVERSEAS LABOR OFFICE
Villa No.2 Community 132,
3 Street, Al Wuheida Area
P.O. BOX 4960,
Deira, Dubai,UAE

E-mail : popdubai@pagibifund.gov.ph
Phone : 009714-2667745
Fax : 009714-2688050

Dubai

c/o Al Rostamani Exchange Co.
4th Floor, Al Rostamani
Group HQ Building,
P.O.BOX 10072,
Dubai Sharjah Road,
Dubai, UAE

E-mail : popdubai@pagibigfund.gov.ph
Phone : 009714-2141431
Fax : 009714-2949971

Abu Dhabi

c/o Philippine Overseas Labor Office
Villa No. 194,
Al Nahyan Camp Defense Road
Abu Dhabi, UAE

E-mail : popabudhabi@pagibigfund.gov.ph
Phone : 009712-6422489
Fax : 009712-6413415

Pag-IBIG Fund Contacts in South Asia and The Pacific

Bandar Seri Begawan,Brunei Darussalam

c/o PHILIPPINE EMBASSY
House No. 17, Km @, SPG. 126,
Jalan Tutong
Bandar Seri Begawan, Brunei Darussalam

E-mail : popbrunei@pagibigfund.gov.ph
Phone : (006732) 222916
Fax : (006732) 222917

Hong Kong:

c/o PHILIPPINE CONSULATE
GENERAL 14th Floor,
United Center Building,
95 Queensway, Hong Kong SAR

E-Mail : pophongkong@pagibigfund.gov.ph
Phone : (00852) 2823-8561; 00852-67130147
Fax : (00852)2865-3423

Singapore:

304 Orchard Road, No. 02 – 45,
Lucky Plaza,
Singapore 238863

E-mail : popsingapore@pagibigfund.gov.ph
Phone : (0065) 6737-0307 / 94236535
Fax : +65-67338048

Important Links Related to Pag-IBIG Overseas Program

The Pag-IBIG Overseas Program

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For many Filipinos, times seem so hard these days in their homeland. That is why more and more Pinoys try their luck abroad, where the grass is perceived to be greener. They work in foreign lands that promise them the financial freedom that their native country cannot seem to give them.

For those who are lucky enough to return to their native land with sufficient money they have accumulated abroad, the first sound investment that would come to mind is an investment in real property. Home ownership is in every responsible Filipino’s wish list.

Overseas Investment

But waiting for a good sum of money to pay Spot Cash for a property in the Philippines is not only a good idea, but would also take a long time for most Overseas Filipinos. After all, there are other expenses, family remittances and obligations to take care of also.

Wouldn’t it be nice if they can start building their home in the Philippines while they are building their nest of cash overseas? In other words, building a house in the Philippines, without requiring too much upfront cash and pay for it in installments (mortgage amortizations).

Enter: The Pag-IBIG Overseas Program

To help the Overseas Filipino Workers, along with immigrants and naturalized citizens realize their dream home, the Pag–IBIG Overseas Program (POP) was created.

The Pag–IBIG Overseas Program is a voluntary Savings Program, wherein members are given a chance to set aside money for their future housing investments. With the program, members may avail of a housing loan of as much as Php 3,000,000 (at the time of this writing).

The Pag-IBIG Overseas Program is open to the following:

  1. All Overseas Filipino Workers (OFWs) with valid Visas or Employment Contracts
  2. Filipino immigrants and naturalized citizens

Money Talk – Member Contributions

Members of the program are to contribute monthly an amount equal to $US 5, at a minimum.

An upgraded membership is required for members, who would like to avail of a higher loan amount.For instance, if a member wishes to avail of a housing loan ranging from P1,500,000 to P1,600,000, he or she will have to contribute monthly an amount equal to the US dollar equivalent of PhP 750 at the point of availing the loan.

The upgraded membership contribution will form part of the housing loan monthly amortization.

POP As Savings / Investment

The Pag–IBIG Overseas Program not only serves as the OFW’s aid in fulfilling his dreams of owing a home. It also serves as a savings investment in the mutual fund company, that promises positive gains on the investment money. Note: The Pag-IBIG is a government controlled Mutual Fund corporation.

As a Pag – IBIG Overseas Program member, one is entitled to variable dividends from the excess earnings of the Fund. These dividends are distributed annually to the members and are credited to their Total Accumulated Values (TAV).

Members of the program have the option to withdraw their accumulated savings at the end of five (5), ten (10), fifteen (15), or twenty (20) years upon membership.

Foreign denomination contributions shall be converted to the Philippine Peso based on the prevailing US dollar exchange rate. As such, withdrawals of savings shall be made in Philippine Peso.

Member Benefits

Members of the Pag-IBIG Overseas programs are illegible to the following benefits:

  1. Housing Loan
  2. Multi-Purpose Loan
  3. Dividends

It is good to know that the Pag–IBIG Overseas Program is there to reward the efforts of OFWs through an effective savings and home financing scheme. Somehow, through POP, the OFW’s return to their native land will grant them the freedom that was somewhat denied them in the first place.

Indeed, perhaps one’s best investment in life is one’s own home. It reflects one’s status and achievement in life. This is especially true for Overseas Filipino Workers, who take chances and make sacrifices abroad for their future and that of their families.

Related Links

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The Pag-IBIG Overseas Program is written by Kyro Jo.