When disaster strikes, financial support can make all the difference. The Pag-IBIG Calamity Loan offers a lifeline for Filipinos affected by calamities, providing quick access to funds at an affordable 5.95% annual interest rate. Whether you’re rebuilding after a typhoon or facing unexpected expenses, this loan is designed to help you recover with ease. In this guide, we’ll walk you through the loan’s benefits, eligibility criteria, requirements, and application process to ensure you can access the support you need.
Why Choose the Pag-IBIG Calamity Loan?
The Pag-IBIG Calamity Loan is tailored to provide financial relief during tough times. Here’s why it stands out:
- Low Interest Rate: Borrow at only 5.95% per year, making it one of the most affordable loan options available.
- High Loan Amount: Access up to 90% of your Pag-IBIG Regular Savings, ensuring you have sufficient funds to cover emergency needs.
- Fast Processing: Get your loan approved and released in as little as 3 days.
- Flexible Repayment Terms: Choose to repay over 12, 24, or 36 months, with a 3-month grace period to ease your financial burden.
- Convenient Application: Apply in person at a Pag-IBIG branch or online via the Virtual Pag-IBIG platform.
Eligibility Criteria
To qualify for the Pag-IBIG Calamity Loan, you must meet the following requirements:
- Be an active Pag-IBIG member with at least one (1) monthly contribution in the last six months.
- Have at least twelve (12) monthly membership savings under the Pag-IBIG Regular Savings program.
- If you have an existing Pag-IBIG Multi-Purpose Loan, Calamity Loan, or HELPs, these accounts must not be in default.
- Reside or work in an area declared under a State of Calamity by the Local Government Unit (LGU) or the national government.
- Apply within 90 days from the official declaration of the State of Calamity in your area.
Required Documents
To apply for the Pag-IBIG Calamity Loan, prepare the following documents:
1. Application Form
Accomplished Pag-IBIG Calamity Loan Application Form
Download from: Pag-IBIG Calamity Loan Application Form
2. Valid ID (One of the following)
- Philippine Identification (PhilID) Card
- Passport (including foreign-issued)
- Driver’s License
- Professional Regulation Commission (PRC) ID
- National Bureau of Investigation (NBI) Clearance
- Police Clearance
- Postal ID
- Voter’s ID
- Tax Identification Number (TIN) ID
- Government Service Insurance System (GSIS) e-Card
- Social Security System (SSS) Card
- Senior Citizen Card
- Overseas Workers Welfare Administration (OWWA) ID
- Overseas Filipino Worker ID
- Seaman’s Book or Seafarer’s Identification and Record Book (SIRB)
- Alien Certification of Registration/Immigrant Certificate of Registration
- Government Office and GOCC ID (e.g., AFP ID, Pag-IBIG Fund Loyalty Card)
- ID issued by the National Council on Disability Affairs (NCDA)
- Department of Social Welfare and Development (DSWD) Certification
- Integrated Bar of the Philippines ID
- PhilHealth Health Insurance Card ng Bayan
Note: For housing-related transactions, Barangay Certification/IDs and Company IDs issued by private entities registered with BSP, SEC, or IC are not accepted.
3. Proof of Income
For Locally Employed Individuals
Certificate of Net Pay (back of the application form, completed by the employer) OR One (1) month latest payslip (photocopy, authenticated by the company’s authorized signatory)
For Self-Employed Individuals
- Income Tax Return (ITR), Audited Financial Statements, and Official Receipt of tax payment with DTI Registration and Mayor’s Permit/Business Permit (1 photocopy)
- Commission Vouchers for the last 12 months (1 original)
- Bank Statements or passbook for the last 12 months (1 original, for income from foreign remittances, pensions, etc.)
- Transport Franchise issued by LGU or LTFRB (1 certified true copy)
- Certificate of Engagement issued by the business owner (1 original)
- Declaration of Income (HQP-SLF-136) (1 original)
For Overseas Filipino Workers (OFWs)
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Employment Contract certified by POEA or Philippine Consular Office (within the past 12 months, 1 photocopy) OR
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POEA Standard Contract (1 photocopy) OR
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Certificate of Employment and Compensation (CEC) (within the past 12 months):
- Written on the employer’s/company’s official letterhead (1 original) OR
- Signed by the employer (for household staff, supported by a photocopy of the employer’s ID or passport, 1 original)
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Income Tax Return (ITR) filed with the host country/government (1 original)
Note: Documents in foreign languages require an English translation.
4. Cash Card
Submit a photocopy of your Payroll Account (Land Bank of the Philippines) or Disbursement Card (Land Bank, Development Bank of the Philippines, or United Coconut Planters Bank).
- For applications through an employer, the photocopy must be certified by the employer.
- For individual applications, present the card for authentication.
Refer to the Cash Card Guide for details.
5. For Online Applications (Virtual Pag-IBIG)
Selfie Photo showing your Valid ID and Cash Card.
See sample: Sample Selfie with Valid ID and Cash Card
How to Apply
Applying for the Pag-IBIG Calamity Loan is simple and convenient. Choose one of the following methods:
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Over-the-Counter
Visit any Pag-IBIG branch to submit your application. Find a branch near you: Pag-IBIG Branch Directory.
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Online via Virtual Pag-IBIG
Submit your application online through the Virtual Pag-IBIG website. Ensure you upload the required selfie with your valid ID and cash card.
Tips for a Smooth Application
- Double-Check Your Documents: Ensure all required documents are complete and accurate to avoid delays.
- Apply Promptly: You must apply within 90 days of the State of Calamity declaration in your area.
- Verify Your Savings: Confirm you have at least 12 monthly membership savings to determine your loanable amount.
- Choose the Right Repayment Term: Select a repayment period (12, 24, or 36 months) that fits your financial situation, and take advantage of the 3-month grace period.
The Pag-IBIG Calamity Loan is a reliable and affordable solution for Filipinos facing financial challenges due to calamities. With its low interest rate, flexible repayment options, and fast processing, it’s designed to help you recover quickly and efficiently. Whether you apply in person or online, the process is straightforward, ensuring you get the funds you need when you need them most.
Don’t wait—check your eligibility and apply today to secure the financial assistance you deserve!
Visit the Official Pag-IBIG Fund Website for more information .