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Friday, September 21, 2012

How to Apply for Pag-ibig Salary Loan

Some companies facilitate Pag-ibig loans for their employees while others don't. So to apply personally for Pag-IBIG Salary Loan, here's the 3 easy steps:

1. Ready all the needed requirements before going to the nearest Pag-IBIG branch.
Xerox copies of 2 Valid ID's, Latest 1-month payslip, and duly accomplished Pag-IBIG Multi-Purpose Loan Application Form are the requirements.


2. Secure Employer's information needed to complete the form. 
Make sure to duly complete the form especially the Employer section -- Signature of Office Head/ or Authorized Representative, Employer, SSS/GSIS No., Agency Code, and Branch Code to avoid returning back.

3. Bring all the requirements together with your original valid IDs to the nearest Pag-IBIG Branch.
If you will apply at their Ortigas Branch in Pasig (just across SSS), application is at the 4th floor of Westar Bldg. Get a number from the guard and wait for your number to flash on the screen.

When called, present your requirements. It will be check by the personnel in-charge. This is to make sure you are qualified for a loan. If there is no problem with your records, a date will given to you for the claiming of your check. (More or less 2 weeks after your application).


FAQ & Tips:
  1. Are they still open after 5PM? Yes. Pag-ibig Branch in Pasig is still open after 5PM. I arrived there around 5:20PM yesterday (Sept 20, 2012) and they do still accept loan applicants.
  2.  Where do they base the loan amount? As far as I know, the amount you can borrow is based on the total number of your contribution. 
So for instance, the borrower has a 30-months contribution, this will be multiplied by 200, then 60% of it would be the loanable amount.

Total no. of Contribution:                          30   (Months)
Borrower's Monthly Contribution:       x 200 (Employee + Employer Contribution)
                                                           --------------
                                                           = 6,000 x 0.60 = P3,600 (est. loanable amount)
    - 24 to 59 months contribution = 60% of the total amount
    - 60 to 119 months contribution = 70% of the total amount
    - at least 120 months contribution = 80% of the total amount (this is the maximum)

    Please also note that if you happen to work in different cities or provinces most probably your monthly contribution record on their system would be insufficient. This is because Pag-IBIG System is not centralized yet. If that's the case, you need to request to consolidate your contribution so that you will not be lacking in your monthly contribution.

    Disclaimer: The steps you’ll read above is a documentation on my experience how I applied for my Pag-ibig Salary Loan. While I appreciate your comments, I can not do anything for any of your complaints nor could I answer any of your questions with regards to your personal Pag-ibig accounts. Thank you.


    66 comments:

    1. thnx for the info..helps a lot..

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    2. NEED pa po ba ng 30 months na contribution to have a salary loan? thanks

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    3. ilang months contribution, para sa second loan. thnks

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      Replies
      1. you can re apply after 6 months, pero kakaltasin ung hindi mo pa nababayaran, so maliit na lang ang ma loan mo.

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    4. Hello my loved one! I wish to say that this post is amazing, great written and include approximately all important infos. I would like to see extra posts like this .

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    5. ask q lang po. pwede ba akong mag avail ng house renovation worth of 100 thousand? member na aq ng pag-ibig 110 months na akong nahulog. my employer po ako. anu po ba ang requirements ??

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    6. pwede n po b aqng mag loan khit 17 months plng contribution q?

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    7. Pde po b mgloan s ibang branch ng pag-ibig?

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    8. PANO KNG OFW D PO BA PWDE MAG LOAN LIKE, SEAMAN...MAGSA2LARY LOAN PNO YNG DEDUCTION NUN!

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    9. mam good dsy po paano ko po malalaman kung talagang nakapg huhulog ung family ko dyan.OFW po aq d2 sa SAUDI

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      Replies
      1. Ang alam ko po sa ganyan kayo po mismo mag flllow up dto kung nkahulog kau pero wala po kasing online inquiry. Try nyo nlng po i check pg nkauwi n kau . :)

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    10. pwede ko po n
      bang malaman kung papanu matetrace sa internet ung hinulog ko at kung tuloy tuloy na nahuhulugan

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    11. ask ko lang last year ako ng jan. nagloan ng salary then august nagloan din po ako ng calamity loan.. ngayun magloloan po sana ako ulit ng salary...pwede na po ba?

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      Replies
      1. pwede na kasi naka 6 months ka na ng hulog, pero ung loanable value mo is limited by your unpaid balance sa multipurpose loan at sa balance ng calamity loan, pero pwede

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    12. Paano kaya kung hindi ako pwede mag-claim ng loan ko personally? Ano kayang req. para mapa-claim ko sa iba, pwede kaya yun? Thanks!

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    13. Ilang months po ba ang minimum no. of contributions req'd para maka pag loan?

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    14. Minimum of 24 Months po dapat para makapag loan kayo sa pag-ibig

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    15. Just to ask where to see updated Pag-ibig contribution?

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    16. alam nyo po ba panu mag pa consolidate? my requirements po ba?
      thanks

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      Replies
      1. I think, you'll just have to go to their office personally :)

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    17. WHERE WE CAN SEE IF OUR CONTRIBUTION WAS UPDATED..

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    18. good day , ask ko lang po kapag po ba may loan ka sa pagibig na calamity pwede parin mag loan ng salary. asap mop thank you more power sa inyo

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      Replies
      1. ang alam ko po, yes. Pwede ka mag salary loan kahit may existing ka na calamity loan sa pagibig. Eto po hotline ng Pag-ibig: 724-4244. Thanks!

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    19. pag may loan kang calamity pwede parin magloan ng salary.

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    20. hello po! kakatransfer ko lang sa new company.... kailangan pa bang mag karoon ako ng 6-month residency baso ako makaloan?

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      Replies
      1. hindi naman po siguro, min. of 24months pede na sila magloan sa Pag-ibig. Not unless my existing loan po sila.

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    21. Gud day po, tanung qlang po maari npo b ako magrenew ng salary loan. Khit 7mnths. Plang po ako nkakaltasan ng latest salary loan ko. Sana po masagot nyo ako asap. Maraming slamat po! GODBLESS po sa inyung lahat jan & more power!

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      Replies
      1. Ang alam ko need mu pa ma-fully paid muna yung existing loan mo. Or babayaran mo yun balance dun sa existing loan mo muna, then pede ma approve un loan mo. Kasi yun saken before, nadeclined un loan application ko since I still have 4k something na balance so sabi sa Pagibig I need to settle daw muna yun balance sa previous personal/salary loan ko.

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    22. Gtjd day po. Tanong ko lang po. Balak kopo sana magrenew ng salary loan. Ang kaso po 7mnths. Plang po ako nkkaltasan s latest ko.

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    23. pano po maka avail kaming mga ofw habang nakabakasyon wala naman po kami payslip

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      Replies
      1. Kindly call Pag-ibig hotline at: 724-4244.

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    24. how could i check for my contributions? I really need some help, info! how am I going to have a loan?

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      Replies
      1. Kindly call Pag-ibig hotline at: 724-4244 or ask your HR po.

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    25. I have a sad story about the Pag-ibig that was last year, for almost 74 months that i am paying with my contribution and some of those employee of Calamba Branch Pag-ibig is not accommodating with regards to the inquiries imagine that, i'm coming from manila just to verify with my contribution but the one who assist me, he told me that i need to visit your website, how come that i need to go the website e, i am personally on his front why did not do any action (tamad na employee)... He's lucky because he did not use his id and i did not write down his name... but anyway, maybe our employer also has negligent regarding my Pag-ibig contribution because i dont have any id card of Pag-ibig i was paying since 2007 with employer Name of NL BERDON INC.- Luisa Ridge Hot Spring Resort located at Km 55 national rd Brgy Bucal Calamba Laguna, my complete name is Divina Asis Elep-Felipe (married name), i was trying to loan this time because we're also affected by typhoon maring... pls help me for my query... It's not easy to connect your hotline it's always busy sometimes the line ringing then after a how many seconds it's automatically off. THANK YOU!

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    26. hi do i still need a community tax cert to file for a loan application?

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    27. Hi i am ofw here in uae, sa oec ko poh it shows na including ung sa pag.ibig ko, pano ko poh ba ma consolidate ung mga previous remitance ko sa mga naging employer ko before, kc nun nag punta ung sis ko sa pag.ibig ormoc city branch sinabihan sya na kelangan ko dalhin ung oec ko dun mismo sa main branch? wla ba kayong centralize system na pwede kahit saang branch ma consolidate un kc ang hirap nmn papuntahin ko pa sila sa maynila din i dnt have assurance kung entertain ba sila doon nang mga employee.

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      1. Hello, saan po sila nagbabayad ng contribution?
        Ang alam ko po kung saan po sila nagbabayad contribution pede po sila magfile na dun na for consolidation.

        Ang alam ko po, ito need nila i-submit dun sa branch na pinaghuhulugan nila ngayon (Requet for Transfer of Member's Record and Loan Details (RTMRLD)) then yung taga pag-ibig na yung magrerequest kung saang branch mangagaling yung record tapos sila na yung mag-coconsolidate.

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    28. Hiya there, can I open an account from overseas or take a loan from overseas as soon as I'm a member already?

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    29. how to avail salary loan if you are a wife of seafarer?

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    30. hello po. tanong ko lang po kung pwede bang makaclaim kung nawala yung paper na may date na nakasulat? thanks po.

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    31. hello good day po, Pag-ibig! gusto ko lamang pong itanong kung pwede po akong makapag-avail ng housing loan. almost 3 years na po akong naghuhulog ng contributions ko.. thanks!

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    32. How much pede iloan pag renewal na. I have an existing loan, and about 9 months pa lang ang nababayaran ko. How much kaya pede igrant, 6 years na akong payer.

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    33. ilang weeks po ang process para makuha ung na loan ko .??

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    34. Hi, nung oct 8 na approved loan ko sa pagibig.. i received a txt that intructed me to claim it sa pagibig center.. but my co employee said na hr nmin ang magbbgay ng check pero until now no news from hr... should i wait for them or go straight to pagibig office...

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    35. kailangan po ba updated ung hulog ko? mag aaply po ako this November..kailangan po ba hanggang November din ang contribution ko? thanks

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    36. Good morning po ask LNG po how to apply for an ofw salary loan

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    37. gudam im primo solis ask ko lan po pano po if kakaendo ko lng last dec. 2013 with my employer panu po yun wala po ako latest payslip na because im applying ulet for a new work pero sabi sakin pwede na daw ako salary loan at nka 25 months contribution na po ako.. paano po am I qualified po ba?

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    38. Goodmorning po maam tanong q lang po ang husband q ngsalaryloan noong last yr,pwd na po ba za mgrenew?

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    39. Hello! Ask ko lng po kung anu pong mangyayari kung almost 2yrs n kong d nkkbyad ng pagibigloan (1stloan) ko.. magkano po kya penalty at interest..

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    40. Ask ko lng po if pwede mgsalary loan kht unemployed kc wala n s work pro ngaaply nko for abroad..3yrs n rn nmn ako ngcocontribute?

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    41. Ask ko lng po if pwede mg salary loan ang currently unemployed pro soon mgkkwork dn..3yrs nkong nghuhulog

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    42. my 32 mo na po ako contribution, pero may ilang taon po ako di nakapagwork, 2014 me panibgo po ako work pde po b ako mag sak loan.

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    43. Thanks for this, do you also have a step be step guide in applying SSS Salary loan? I'm planning to get a loan, my first option is applying at http://www.loansolutions.ph/ and I'm thinking to apply directly.

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    44. ask ko lang po 2 yrs na ko naghuhulog sa pagibig 1 yr sa past company na pinagtrabahuan then 1 yr na po sa present company na pinapasukan ko. qualified na po ba ako mag loan ? thanks po

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    45. Ofw po ako kung my contribution n akong 24 mants pwede na ba ako mag loan ng 200k para pamvli ko lng ng maliit na lote ayoko kc tumira sa subdivision salamat po

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    46. gud day. 19 months na po akong nag contribute sa pag-ibig, 24moths kasi ang kailangan para maka avail ng loan, pwede po bang bayaran ko ang 5months ko at nang ma kompleto ko po ang 24months para po maka avail po ako sa loan? salamat & Godbless

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    47. hello poh pwede poh ba mag emergency loan???kahit 1 1/2 plang poh ako nkacontribute sa pag ibig??? nid ur reply asap.tnx

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    48. gud am......ask q lng po....pnu po kmi mkaka avail ng housing loan......kc db need ng titulo ng lupa? ung haus kc nmin nka tayo sa lupa ng byenan q....d nka title smin ang lpa nka title pa sa tatay ng byenan q.......pnu po kaya yun? pls reply po tnx

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    49. Gud day.. Ask ko lng po Oct.312013 me ng resign at ng last s aking pinapasukan. Pwede po b AQ mag loan? Kht wla n aq s agency ko? Tapos nrn po AQ s last loan ko. Pls reply god bless

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    50. Pakisagot nman po what if OFW po at uuwi na ng pinas dhil nawalan bg trabaho at member po sya ng pagibig for 8 yrars makakapag salry loan ba sya dhil pagdating ng pinas wala pa syang trabaho mkakapag loan po b sya sa pagibig salamt po

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    51. puwede po ako mag avail ng housing loan kahit may salary balance pa po ako

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    52. ask ko lang poh kung pede poh ba mgloan khit wlang employer .. kasi poh 34months na ko nghuhulog .. pede poh ba yun.. paano proseso nun?

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    53. ma credit ba yung pag-ibig contribution sa previous employers O yung bilang lang ng 30 contribution sa present employer?

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    54. hi Good eve . ask ko lang po if pwede po pa rin ba akong magsalary loan kahit 2 months na walang work?,pero nkacontribute na ako ng 24 months. kasi nagresign na ako sa school last may. so hindi na po updated yung pag ibig ko. gusto ko po sana magloan. Thank you po .

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