Professional Documents
Culture Documents
VISION
For every Filipino worker to save with Pag-IBIG Fund and to have a decent shelter.
MISSION
To generate more savings from more Filipino workers, to administer a sustainable Fund with integrity, sound financial principles, and with social responsibility, and to provide accessible funds for housing of every member.
VALUES
The governing values that will steer the Pag-IBIG Fund in pursuit of its vision include Integrity, Excellence, Professionalism, and Service.
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There are two (2) modes of applying for a Pag-IBIG housing loan: a) Developer-Assisted - the developer assists the member in his/her housing loan application. b) Retail - the member applies directly to the Fund.
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ELIGIBILITY REQUIREMENTS
To qualify for a Pag-IBIG housing loan, a member shall satisfy the following requirements: 1. On Pag-IBIG Membership Must be a member under Pag-IBIG I Membership Program for at least twenty-four (24) months, as evidenced by the remittance of at least 24 monthly mandatory savings (MS) at the time of loan application. A new member who wishes to apply for a housing loan shall be required to pay in lump sum the required 24 MS. Similarly, a member with less than 24 MS may pay his MS for the succeeding months in lump sum. For both cases, the lump sum payment shall be based on MS that correspond to the loan amount applied for. Pag-IBIG Overseas Program (POP) monthly mandatory savings (MS) of Overseas Filipino Workers (OFWs) who are Pag-IBIG I members shall be considered in counting the total number of MS for availment of housing loans.
2. Not more than sixty-five (65) years old at the date of loan application and must be insurable; and not more than seventy (70) years old at loan maturity; 3. Has the legal capacity to acquire and encumber real property; 4. Has passed satisfactory background/credit and employment/business checks of Pag-IBIG Fund; 5. Has no outstanding Pag-IBIG housing loan, either as a principal borrower or co-borrower; 6. Has no outstanding Pag-IBIG multi-purpose loan in arrears at the time of loan application. 7. Had no Pag-IBIG housing loan that was foreclosed, cancelled, bought back due to default, or subjected to dacion en pago.
Procedure Stage 1: File Housing Loan Application with required documents STEP 1 15 minutes Go to the Pag-IBIG NCR/Regional Branch with territorial jurisdiction over the property subject of the loan (refer to page 20). For NCR, proceed to the Members Services Support Division-Servicing Department servicing counter. For Regional Branch, proceed to the Housing Loans Division (HLD) servicing counter. Submit HLA (2 copies), MSVS and documents required upon loan application (refer to pages 13 to 14). NOTES: a. The member-applicant may also submit Online Housing Loan Application at www.pagibigfund.gov.ph to select the scheduled date of submission of documentary requirements to the preferred Pag-IBIG Branch. b. Prior to submission of loan application, the member-applicant must be registered on-line and with Pag-IBIG Membership Identification (MID) Number or Registration Tracking Number (RTN). c. The Housing Loan Application (HLA), MSVS and Checklist of Requirements are available at Pag-IBIG Fund website. Get Payment Order Form (POF, 2 copies) for the payment of processing fee and/or lump sum payment of monthly savings, if applicable. Mortgage Loans Specialist Person Responsible
STEP 2 2 minutes
For NCR, proceed to the Cash DivisionLoans Management Group. For Regional Branch, proceed to the Cash and Administrative Services Division. Present POF (2 copies) and pay the P1,000 processing fee and/or lump sum payment of monthly savings, if applicable. Get Pag-IBIG Fund Receipt (PFR, copy 1) and POF (copy 1).
Person Responsible
Cashier II
STEP 3 2 minutes
For NCR, proceed to the Members Services Support Division-Servicing Department servicing counter. For Regional Branch, proceed to the Housing Loans Division (HLD) servicing counter. Submit PFR (photocopy) and get Housing Loan Application Acknowledgement Receipt (HLAAR). Mortgage Loans Specialist
STEP 4 5 minutes
For NCR, proceed to Property Valuation Division-Appraisal Department Data Encoder II/ For Regional Branch, proceed to the Housing Loans Division (HLD) servicing Property Appraiser II counter. Present HLAAR and ask date of inspection and appraisal of residential property.
NOTES: a. The Mortgage Loans Specialist of the Members Services Support DivisionServicing Department/Housing Loans Division shall inform you through telephone/cellphone/notice of any findings regarding the Credit Investigation and Property Appraisal within 10 working days. b. The Data Encoder III of the Members Services Support Division-Servicing Department/Housing Loans Division shall inform you through telephone/cellphone call on the approval/disapproval of housing loan application.
Stage 2: Approval of housing loan application STEP 1 18 minutes Upon receipt of call on the approval of your housing loan application, go to the Pag-IBIG NCR/Regional Branch. For NCR, proceed to the Members Services Support Division-Servicing Department servicing counter. For Regional Branch, proceed to the Housing Loans Division (HLD) servicing counter. Sign and submit the following documents: * Notice of Approval (NOA) * Letter of Guaranty (LOG) (applicable to all loan purposes except for Construction of House and Home Improvement) * Disclosure Statement on Loan Transaction (DSLT) * Loan and Mortgage Agreement (LMA) * Promissory Note (PN) NOTES: a. This shall include discussions on terms and conditions of the loan documents to be signed, as well as loan obligations of the member-borrower. b. Married borrowers/co-borrower/s spouse shall also sign the documents. c. Member-applicant with deficiency/ies on requirements shall be given Notice of Deficiency. d. For disapproved application, get Notice of Disapproval (NOD) and loan documents. Proceed to the Notary notarization of LMA and PN. Public for Person Responsible
NOTES: a. The requirements must be submitted within 90 days from receipt of LOG/NOA. b. The notarization of documents shall be made at the place/city where the documents are executed. c. For registration and transfer of title, please refer to Guide on the Registration and Transfer of Title on pages 16 and 17. Stage 3: Release of Loan Proceeds STEP 1 8 minutes Go to the Pag-IBIG NCR/Regional Branch. For NCR, proceed to the Members Services Support Division-Servicing Department servicing counter. For Regional Branch, proceed to the Housing Loans Division (HLD) servicing counter. Submit complete NOA requirements (depending on loan purpose). (Refer to page 15 Documents Required Prior to Loan Release) Expect telephone/cellphone call on Check availability. Check Release Controller Person Responsible
NOTES: a. The Loans Evaluation Division-Evaluation Department/Housing Loans Division shall evaluate the documents submitted. b. The Cash Division-Loans Origination Group/Cash and Administrative Services Division shall process the Check.
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STEP 2 5 minutes
Upon receipt of call on check availability, go to the Pag-IBIG NCR/Regional Branch. For NCR, proceed to the Cash DivisionLoans Origination Group. For Regional Branch, proceed to the Cash and Administrative Services Division. Present 2 valid IDs (refer to page 17) and get Check. NOTES: a. The Check shall be issued to the Seller for the following loan purposes: Purchase of Residential Unit, Lot Purchase, Purchase of Lot and Construction of House. b. In case Check will be claimed by an authorized representative, submit a notarized Special Power of Attorney (SPA) and 2 valid IDs each of the Principal and Attorney-in-Fact. c. For loans with House Construction or Home Improvement, loan proceeds shall be released on a staggered basis depending on the progress of the construction. (Refer to House Construction or Home Improvement with Staggered Releases).
Person Responsible
30 minutes
thru
NOTES: a. Upon consumption of 10 PDCs, issue 12 new PDCs (exclusive of the remaining 2 PDCs). b. You may claim your Pag-IBIG Fund Receipts at the Pag-IBIG Branch where you issued your PDCs. Get Acknowledgement Receipt (AR) and copy of Notice of Installment/Amortization. 11
5 minutes
For payment of housing loan amortization thru salary deduction Present Authority to Deduct duly received by the Billing and Collection DepartmentNCR/Loans and Contribution Management and Recovery Division. Get copy of Installment/Amortization. Notice of
Person Responsible
END OF TRANSACTION For House Construction or Home Improvement with Staggered Releases STEP 1 Upon utilization of at least 90% of the previous release, coordinate (thru telephone or personal visit) with the Property Appraiser II of the Property Valuation Division-Appraisal Department/ Housing Loans Division for the schedule of inspection. NOTE: The Property Valuation Division-Appraisal Department/Housing Loans Division shall conduct inspection of the property within 5 working days from receipt of the request. STEP 2 Expect telephone/cellphone call on Check availability. Present 2 valid IDs (refer to page 17) and get Check. NOTE: For succeeding releases, repeat Steps 1 and 2. Person Responsible
Property Appraiser II
STEP 3
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7. Insurance Coverage a. Health Statement Form (Medical Questionnaire) OFW members over 60 years old Loans over P2.0 M to P6.0 M and for borrowers aged up to 60 years old b. Health Statement Form (Medical Questionnaire) and Full Medical Examination Borrowers over 60 years old 8. Marriage Contract (For all married borrower/s and co-borrower/s) 9. Birth Certificate or any proof of relationship, if with co-borrower/s 10. Certified true copy of Transfer Certificate of Title (TCT) (latest title) 11. For Condominium Unit, Certified True Copy of present TCT and CCT 12. Photocopy of Updated Tax Declaration and Updated Real Estate Tax Receipt 13. Location Plan and Vicinity Map 14. For new member or member with less than the required number of monthly savings, photocopy of Pag-IBIG Fund Receipt (PFR) representing lump sum payment of monthly savings. 15. Approved letter request to re-avail of a Pag-IBIG housing loan (for member/s with housing loan that was foreclosed, cancelled, bought back due to default or subjected to dacion en pago). The Pro-forma Health Statement Form (Medical Questionnaire) is available at the Members Services Support Division-Servicing Department for NCR or at any Pag-IBIG Regional Branch or downloadable from the Pag-IBIG website, www.pagibigfund.gov.ph. Additional Requirements Depending on the Loan Purpose For Purchase of Residential House and Lot, Townhouse or Condominium Unit, Purchase of Lot and Construction of House, Purchase of a Fully Developed Lot/Adjoining Lot 1. Contract to Sell or similar agreement between the buyer and the seller. If the Seller is a Developer, submits the following documents: a. Certificate of Registration, License to Sell, Development Permit, and Secretarys Certificate b. Photocopy of back to back valid primary ID from Corporate Secretary For Purchase of Lot and Construction of House, Construction of House, Home Improvement Building Plans, Specification and Bill of Materials duly signed by the Licensed Civil Engineer or Architect, Building Permit For Refinancing 1. Statement of Account on outstanding loan balance, indicating loan purpose 2. Any of the following documents: Official Receipt for the past 12 months Subsidiary Ledger Any valid proof of payment for the past 12 months 14
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2. Upon completion of house construction or home improvement, proceed to Local Government Units Engineering Office that has jurisdiction over the property: - Present Certificate of Completion. - Secure Occupancy Permit. C. For Refinancing, 1. Proceed to Originating Institution where the property is mortgaged: - Present Letter of Guaranty (LOG). - Secure TCT/CCT. 2. Proceed to Registry of Deeds (RD) for the cancellation and annotation of mortgage. - Present the following documents: * TCT/CCT * Loan and Mortgage Agreement (LMA) * Release of Real Estate Mortgage (REM) - Pay the appropriate fees. - Request for the following: * Certified true copy of title with mortgage annotation * LMA stamped received
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Company ID Passport, issued by Philippine or Foreign Government Drivers License Professional Regulation Commission (PRC) ID Social Security System (SSS) Card Government Service Insurance System (GSIS) e-Card Government Office and GOCC ID, e.g. Armed Forces of the Philippines (AFP) ID
Integrated Bar of the Philippines (IBP) ID Senior Citizen Card Overseas Workers Welfare Administration (OWWA) ID Overseas Filipino Worker (OFW) ID Seafarers Identification and Record Book (SIRB) Postal ID Voters ID
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Rest assured that we shall carefully evaluate your concerns and shall respond to you immediately. Likewise, we shall give your complaints considerable attention according to the following:
Level 1
Complexity Minor
Detail Complaints on services offered by the branch. Complaints on directional or mistaken information. Complaints on office facilities. Complaints against personnel (misbehavior, misconduct, fixers, etc.) Resolved minor complaint but unsatisfied customer. Grave Complaints Complaints with threat (media/legal/suicide/threat)
Major
Within 3 working days upon receipt of complaint Within 10 working days upon receipt of complaint
Critical
Thank you for your continued support to the Fund. We look forward to bringing you and all our members a more responsive service.
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VISAYAS Iloilo Iloilo, Iloilo City, Passi City, Antique, Aklan, Capiz, Roxas City,
NORTHERN MINDANAO Zamboanga City Zamboanga del Norte, Basilan, Tawi-tawi, Sulu
SOUTHERN MINDANAO Davao City Davao City, Island Garden City of Samal, Digos City, Davao del Sur
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Guimaras Cebu South Cebu City, Toledo City, Negros Oriental, Bais City, Canlaon City, Dumaguete City, Tanjay City Cebu North Mandaue, Danao City, Lapu-Lapu City, Mandaue City, Bohol, Danao City Bacolod San Carlos City, Escalante City, Sagay City, Cadiz City, Victorias City, Silay City, Talisay City, Bacolod City, Bago City, La Carlota City, Himamaylan City, Kabankalan City, Sipalay City Tacloban Leyte, Southern Leyte, Western Samar, Biliran, Northern Samar, Eastern Samar
Pagadian Zamboanga del Sur, Zamboanga Sibugay, Misamis Occidental Iligan Lanao del Norte, Lanao del Sur Butuan Agusan del Norte, Agusan del Sur, Surigao del Norte, Surigao del Sur Cagayan de Oro Misamis Oriental, Bukidnon, Camiguin
Tagum Tagum City, Panabo City, Davao del Norte, Compostella Valley, Davao Oriental General Santos South Cotabato, Koronadal City, Sarangani Kidapawan City North Cotabato, Maguindanao, Sultan Kudarat
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NATIONAL CAPITAL REGION NCR HOUSING SERVICING 2/F, 409 JELP Business Solutions Building, Shaw Boulevard, Mandaluyong City (02)6547230 OFW MEMBERS SERVICES DEPARTMENT 6/F Justine Bldg, Gil Puyat Avenue, Makati City ORTIGAS Westar Bldg., 611 Shaw Blvd., Pasig City (02)6339514; 7468784 KAMIAS #795, Anchor Center, EDSA Diliman, Quezon City (02)9209816 CUBAO G/F & 3F, 145 15 Avenue, Union Square Condominium, Cubao, Quezon City (02)9117262 MANILA Park n Ride Bldg., P. Burgos cor Dr. Basa St., Ermita, Manila (02)5276729 CALOOCAN Puritan Phil., Inc. (PPI) Bldg.,355 EDSA cor Gen. Tirona St., Caloocan City (02) 367-07717 ANTIPOLO Budget Lane, Shopping Center, Circumferrential Rd., San Jose Antipolo City
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NORTHERN LUZON NORTH LUZON HOUSING HUB San Fernando Housing Business Center Suburbia Commercial Center Maimpis, San Fernando City, Pampanga (045) 8604490 La Union Housing Business Center Pag-IBIG Fund Bldg. Govt, Center, Sevilla, San Fernando City, La Union (072) 2435588/89 Tuguegarao Housing Business Center Ong Chong Bldg., 88 del Rosario St., Tuguegarao City, Cagayan (078)8441448; 8442285 LA UNION Pag-IBIG Fund Bldg. Government Center. Brgy.Sevilla, San Fernando City La Union 072-2425588 to 89 loc. 202 Vigan Extension Office Ground Floor, CAP Bldg. Florentino St., Vigan City 072-6321118 Ilocos Norte Extension Office WC Bldg., Brgy. #10 D. Samonte St., Laoag City 077-7704699/7705216 BAGUIO G/F Insular Life Bldg. Abanao Ext. cor. Legarda Road, Baguio City 074-6191330/2710 local 202 DAGUPAN Rudel Building, Perez Boulevard cor. Guilig Street, Dagupan City, Pangasinan 075-5223865/3266 loc 200 MALOLOS 2nd Floor, North Centrum Bldg. Tabang, Guiguinto, Bulacan 044-7940549 loc. 208 044-7944309 Cabanatuan Extension Office Duran Building, Quezon District Maharlika Highway, Cabanatuan City 044-6001225/463-1692 Baler Service Desk Baler Municipal Building Poblacion, Baler, Aurora 042-722-0000 SAN FERNANDO Suburbia Commercial Center Maimpis, City of San Fernando, Pampanga 045-8604490 loc. 118 / 045-8612686 Tarlac Extension Office Benin Bldg. Zamora Street San Roque, Tarlac City 045-6286025 to 26 DINALUPIHAN NEJ Bldg. San Ramon Highway Dinalupihan, Bataan 047-4811181 TUGUEGARAO Ong Chong Bldg. 88 Del Rosario St. Tuguegarao City, Cagayan 078-8441448/2285 loc. 111/113 Isabela Extension Office 2nd Floor, Bucag Bldg. cor. Faustino L. Dy & Canciller Sts. Cauayan City Isabela 078- 634-5156/ 652-2883 Nueva Vizcaya Extension Office BAJ Bldg., Mabini St. Solano, Nueva Vizcaya 078-3266113/3267811
SOUTHERN LUZON CALAMBA High Rise Business Center National Highway, Brgy. Halang, Calamba City, Laguna 049-5451278/5451232/ 5451236 loc. 201/205/206 LUCENA G/F & 2/F Lucena Grand Central Terminal Bldg., Ilayang Dupay, Lucena City 042-3736727 BATANGAS Caedo Commercial Center National Highway Bo. Calicanto, Batangas City 043-7236578 CALAPAN Unit 11 Filipiniana Commercial Complex Brgy. Sto. Nino Calapan City, Oriental Mindoro 043-2867455/288-1597 Puerto Princesa Extension Office Lustre Building, Rizal Avenue, Puerto Princesa City, Palawan 048-4335024 LEGAZPI Hi-Tone Construction & Development Corp. Bldg. B. Imperial St. Bitano, Legazpi City 052-4808867/4808539 Loc. 207-209 Masbate Extension Office Espinosa Apartment, Mabini St., Masbate City 056-3333678 NAGA Bldg. 1, ALDP Plaza Mall, Roxas Avenue (Diversion Road) Naga City 054-4735232 to 34 /4738098 to 99 loc. 314/333 Daet Field Service Center Rafer Bldg. Magallanes, Iraya, Daet, Camarines Norte 054-4401640
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VISAYAS ILOILO CITY F & E Bldg., Emmanuel Business Center, Benigno Aquino Avenue, Molo Iloilo City 033-3367435 Kalibo Extension Office 3rd Floor Garcia Bldg., C. La Cerna St. Kalibo, Aklan 036-2689335 Capiz Extension Office Acevedo Building, Mckinley Street Roxas City 036-6214165 CEBU SOUTH G/F, 2/F & 5/F Pag-IBIG Fund WT Corporate Tower, Mindanao Avenue, Cebu Business Park, Cebu City 032-415-5008 (direct line) Talisay Service Center G/F Talisay City Hall, Lawa-an II, Talisay City, Cebu Dumaguete Extension Office Philippine National Red Cross Bldg. Legaspi St., Dumaguete City 035-4228199/2257713 CEBU NORTH 3/F & 4/F Pag-IBIG Fun d WT Corporate Tower, Mindanao Avenue, Cebu Business Park, Cebu City 032-4122175 loc. 4502 Tagbilaran Extension Office Maria Clara St. Tagbilaran City 038-4125977/5018455 BACOLOD St. Francis Center, Araneta St. Singcang Bacolod City 034-4351149 loc. 104/114/115 TACLOBAN Pag-IBIG Fund Bldg. Lopez Jaena St. cor. Del Pilar Extensions Tacloban City 053-3259098/3259089 Ormoc Service Center Rm 208, 2nd Floor, Superdome San Pedro Street, Ormoc City 053-2555089
NORTHERN MINDANAO ZAMBOANGA CITY Pag-IBIG Fund Bldg. San Jose Road Baliwasan, Zamboanga City 062-9920805 Dipolog Extension Office 3rd Floor Ello Building, corner Arellano and Echavez Sts. Dipolog City 065-908-1178/2124542 PAGADIAN 2nd Floor DBP Building, Rizal Avenue, Balangasan District Pagadian City 062-2141695/2152716/2144959 ILIGAN Ground Floor and 2nd Floor, Gonzales-Gimeno Bldg. IV, Tubod Highway, Iligan City 063-2213378 BUTUAN ARUJ Building, T. Calo Street Extension, Butuan City 085-3423183/2252341 loc. 20/21 Surigao Extension Office Ground Floor, Lorna Laurente Bldg.,Rizal St.,Surigao City 086-8266212 CAGAYAN DE ORO Pag-IBIG Fund Building, J.R. Borja-Mortola St., Cagayan de Oro City 08822-714616 Malaybalay Extension Office Tubeo Bldg., Damasco St., Malaybalay City, Bukidnon 088-2214155
SOUTHERN MINDANAO DAVAO CITY Pryce Tower Condominium Pryce Business Park, Bajada 8000, Davao City 082-2241793 TAGUM Nicoles 22 Building, Assessors Village, Apokon, Tagum City 084-2161182 GENERAL SANTOS CITY 2nd and 3rd Floors, RDRDC Building, Santiago Boulevard, General Santos 083-5541713 Koronadal Extension Office 2nd Level Fitmart Mall of Marvel National Highway, Koronadal City 083-2288125 KIDAPAWAN 3rd Floor Evas Mall Bldg. Quezon Blvd., Kidapawan City 064-5210253 Cotabato Extension Office 6th Floor, Cotabato Yu Ekey Marketing Bldg., Don Rufino Alonzo St., Cotabato City 064-4213120/4213332
Disclaimer
The provisions in this Charter may be revised or modified in accordance with new as well as amended guidelines and procedures any time without prior notice to the members. In such cases, the updated versions of the Citizens Charter may be accessed through the Pag -IBIG Fund website at www.pagibigfund.gov.ph.
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