Pag-IBIG Fund Housing Loan Primer
A Pag-IBIG member may avail of a Housing Loan to finance any of the following types of project:
1. Contruction of Residential Unit (CRU)- construction or completion of residential unit on a lot owned by the member.
2. Lot Purchase (LP) - purchase of a fully developed residential lot not exceeding 1,000 sq m in area.
3. Purchase of Residential Unit (PRU)
- old or brand new
- properties mortgaged with Pag-IBIG Fund
- acquired assets disposed of through sealed public bidding or negotiated sale
4. Lot Purchase and House Construction
5. Home Improvement (HI) - any alteration in an existing unit intended by a homeowner to be a permanent integral part thereof which will enhance its durability and material value.
6. Refinancing of Existing Mortgage Loan (RF) -
- current and updated at the time of application
- perfect repayment history for at least 2 years
7. Combination of Loan Types - PRU + HI or RF + HI or RF(lot) + CRU
To avail any of these loans, the following requirements must be satisfied of a Pag-IBIG member:
1. Must be a member of good standingn wit the Pag-IBIG Fund. You must be a Pag-IBIG member for at least 24 months and has remitted at least 24 monthly contributions.
2. Not more than 70 years old at the loan maturity and must be insurable.
3. Has no outstanding Pag-IBIG housing loan either as principal or as a co-borrower.
4. Has the legal capacity to acquire and encumber real property.
5. Has passed satisfactory background / credit and employment / business check.
6. Has no outstanding Pag-IBIG multi-purpose loan in arrears at the time of application.
7. Had no Pag-IBIG housing loan that was foreclosed, cancelled, bough back or subjected to dacion en pago.
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how to know that my remittance is still updated
Comment by cresente dayaganon — September 1, 2007 @ 12:22 am
Hi,
You can check it at any office of Pag-IBIG Fund.
Comment by Carlos — September 4, 2007 @ 7:27 pm
may i know any acquired houses in transville subdivison located at Quezon, bukidnon..thanks.
Comment by HILARION M. CAGOT JR. — December 20, 2007 @ 5:04 am
hi, do you have a list of houses for sale here in davai city? tnx.
Comment by Pike Arceo — January 6, 2008 @ 6:03 am
Very good Blog.
Comment by Kredyt Mieszkaniowy — February 1, 2008 @ 4:32 am
what is RFI?
Comment by kredyt — April 5, 2008 @ 5:57 pm
good work, will back soon, great site congratulation!!
Comment by visit now — November 26, 2009 @ 4:56 am
Waow loved reading this article. I submitted your rss to my google reader.
Comment by LoroarricaRak — December 11, 2009 @ 3:10 pm
do you have house and lot for sale in san juan subdivision sasa davao city?
Comment by dessy cortez — January 5, 2010 @ 5:13 am
i think i hace registered to pag-ibig before i leave phillipines,but i dont know if its still active?
Comment by dessy cortez — January 5, 2010 @ 5:16 am
hi how to avail house loan that can pay monthly around 2k,3k,4k,5k a month
Comment by pj — February 8, 2010 @ 4:19 am
gud am..how can we avail the Pag-ibig housing loan if the member will be retire.he was 61 years old..we want to know!!! and the office we can contact to us the processing..or to assume house..
Comment by annielyn urata — April 14, 2010 @ 7:58 pm
we live here in davao city..
Comment by annielyn urata — April 14, 2010 @ 7:59 pm