Feb 13, 2022

Everything You Need To Know About the Pag-IBIG Fund: Benefits and Beyond

This kind of pag-ibig won’t leave you heartbroken. Instead, it will give you a long-term relationship with financial freedom as well as a brighter future. 

Before you enter into any relationship, however, you must first go through the “getting-to-know” stage. And this article will tell you all about Pag-IBIG. 

If you’re not familiar with the term, you’d probably ask, “What’s this Pag-IBIG for anyway? Why do I need it?” and a lot more. 

So, let’s get down to the nitty gritty of this acronym, including its foundations and fundamentals. 

Here’s a quick background: On June 11, 1978, the Pag-IBIG Fund was inaugurated as a national savings program for Filipino workers. Fast forward to more than four decades later, the fund persists through the support of corporations and employees residing in the Philippines. 

Under the program, all Filipino employees are required to register with the Pag-IBIG Fund to enjoy certain benefits. Today, becoming a member and getting your certified Pag-IBIG number are virtually hassle-free. This is made possible through the newly developed online registration option.  

In this article, we are laying out the necessary steps in securing your Pag-IBIG number. But first, it’s better to get familiarized with the basics, especially those who have just become new members.

The Pag-IBIG Fund: What is it exactly? 

The Pag-IBIG acronym stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno. The “IBIG” part holds the essence of its definition: You (I), the Bank, the Industry, and the Government. These sectors all play a role in this program. 

The Pag-IBIG Fund is also known as the Home Development Mutual Fund (HDMF), which is a corporation owned and controlled by the government. 

As stated on its website, the fund was established for the purpose of being “an answer to the need for a national savings program and an affordable shelter financing for the Filipino worker.” 

How To Register and Get Your Pag-IBIG Number Online

Right after undergoing a verification process, every registered individual will be entitled to a unique and permanent 12-digit number. This is known as the Pag-IBIG Membership ID (MID) Number. It can be used for a wide range of purposes such as applying for loans, filing benefits claims, requesting an upgrade on membership savings, and using it as a valid ID number.  

You may begin your registration process by filling out the Membership Data Form (MDF) or registering online. Signing up is also possible via mobile phone. Get your MID number by calling the Pag-IBIG Hotline (tel. no. 8724-4244). For identity-verification purposes, you will be required to answer a few security questions. After this step, you will now receive your Pag-IBIG number.  

You can accomplish your online membership registration via Virtual Pag-IBIG, the fund’s online service facility. After signing up, you can either print your MDF or get a soft copy (this requires the use of your tracking number sent to you through SMS or email). You would no longer need to go to an actual Pag-IBIG office to get a copy. 

The Perks of a Pag-IBIG Fund Membership   

By becoming a Pag-IBIG member, you gain access to a wide range of benefits specifically divided into three programs. Let’s dive deeper into each category. 

Housing Loan 

The first and most recognized program is the Pag-IBIG Housing Loan. This is what Pag-IBIG is mainly known for. It offers affordable interest rates with a term duration of up to 30 years. 

Loan interest rates start at 5.375% for one year and 6.375% for three years minimum. This program is made possible by Pag-IBIG’s partnerships with local real estate developers. It gives financial aid to Filipinos who would like to purchase their own house through a staggered payment approach. This is stretched to the time horizon of their choice. 

Short-Term Loan 

The Pag-IBIG Fund also allows Filipinos to make short-term loans. This type of loan is classified into two: Calamity Loan and Multi-Purpose Loan. 

  • Calamity Loan – From the term itself, the Calamity Loan is for members who need financial assistance after suffering a natural disaster. 
  • Multi-Purpose Loan  – This is for members who need extra cash for a variety of reasons such as personal needs, starting a business through a small capital, or even to cover maternity expenses. 

Provident Savings 

Last but not least, the Provident Savings program pertains to the employee’s monthly savings (with employer share, if applicable) and total annual dividend earnings. They can claim their savings after a while through the following circumstances: 

  • After membership maturity of 20 years with at least 240 monthly contributions 
  • Upon retirement 
  • In the event of disability 
  • Termination from work due to health reasons 
  • Permanent departure from the Philippines 
  • In the event of death (savings will be transferred to a beneficiary or representative) 

Pag-IBIG Fund Membership Requirements 

Whether you are self-employed, employed, or unemployed, you can become a member of Pag-IBIG. Listed in this section are the requirements for each member classification. 

Self-Paying Employee 

This pertains to an individual who prefers to pay contributions on their own (voluntary contribution). 

  • Company identification card (ID) 
  • Certificate of employment and compensation 
  • Latest pay slip 


This applies to a professional, freelancer, consultant, or small business owner. 

  • Most recent income tax return with a CPA-certified financial statement from the previous year 
  • Two (2) 1×1 ID photos 
  • Certificate of remittance or ESAV (for old members) 
  • Mayor’s permit or business permit 
  • Department of Trade and Industry (DTI) or Securities and Exchange Commission (SEC) registration (under the person’s name) 


A formally employed individual is automatically applied for a Pag-IBIG membership, which is administered by their company. The employer will process the necessary documents and will simply ask for personal information and valid IDs. Pag-IBIG contributions by both the employee and employer are mandated by the state. 

Self-Employed Professional 

This is for a professional who has a government-issued license practicing an expertise. 

  • License issued by the Professional Regulation Commission (PRC) or the Integrated Bar of the Philippines (IBP)
  • Latest Income Tax Return (ITR) from the previous year 
  • Certificate of remittance or Contribution Record (Employee Statement of Accumulated Value or ESAV, for old members) 
  • Two 1×1 ID photos 

Overseas Filipino Worker (OFW) 

This applies to a Filipino who is working abroad. 

  • Philippine Overseas Employment Administration (POEA) license, passport, or any valid ID 
  • Valid and latest contract of employment (with original POEA stamp) 
  • Certificate of remittance or ESAV 
  • Two 1×1 ID photos 
  • Special Power of Attorney (authorizing a representative to submit the requirements and pay the contributions) 

Franchise Owner 

This pertains to someone who owns a certain franchise of a business. 

  • Latest ITR from the previous year 
  • Franchise permit (under the person’s name) 
  • Car registration or official receipt (under the person’s name) 
  • Certificate of remittance or ESAV 
  • Two 1×1 ID photos 

Member-Spouse with Business 

This applies to an individual who is not employed but married to a business owner. 

  • DTI or SEC registration 
  • Mayor’s permit or business permit 
  • Affidavit of unemployment 
  • Latest ITR (from the previous year) 
  • Certificate of employment and compensation of the member-spouse (must be notarized) 
  • Written consent from the member-spouse 
  • Two 1×1 ID photos 

Non-Working Spouse 

This is for an unemployed individual who is married to an active Pag-IBIG member with employee status. 

  • Affidavit of unemployment 
  • Certificate of employment and compensation of the member-spouse 
  • Written consent from the member-spouse 


This is for an individual who doesn’t have a job but wants to continue their contributions. 

  • Affidavit of unemployment 

How To Get Your Pag-IBIG MDF Online 

By visiting the Virtual Pag-IBIG page and undergoing the online verification process, you can acquire your Membership Data Form (MDF). You can also get a copy of the application sheet in PDF format. This can be found in the downloadable forms section of the website. 

Simply look for the Membership Data Form, click on the PDF icon, and start filling out the form by using PDF software on your device. After submitting your registration online, your digital MDF is now ready for printing or downloading. All these without the need to physically visit a Pag-IBIG branch to secure your application. 

To make it easier for you, we have linked to the form here: Pag-IBIG Membership Data Form

How To Register Online Using Your RTN 

Introduced officially by the Pag-IBIG housing agency in 2019, the Virtual Pag-IBIG online platform offers a hassle-free registration process to secure your MID number. It has simplified the once tedious process.

Start your online registration with these easy-to-follow steps. Make sure to have your registration tracking number (RTN) ready. 

  1. Visit the Virtual Pag-IBIG page and click the “Be a Member” button. Select “Register.”  
  2. By clicking Register, you’ll be redirected to the Pag-IBIG Fund Online Registration System welcome page. Click Continue.  
  3. Input the required personal details on the form. Make sure you type in your last name, first name, and middle name (unless not applicable) correctly. Select your date of birth in the MM/DD/YY format. Then, key in the captcha code and click Proceed after filling in the necessary fields.  
  4. Accomplish the online registration form by providing all the needed information and clicking Next to continue. Here are the seven tabs you need to complete: 
  • Member Info
  • Other Info 
  • Address 
  • Contacts 
  • Heirs 
  • Member Category 
  • Employment History  
  1. Double-check that all necessary fields are filled out before clicking on the Submit Registration button. A confirmation page will appear to inform you that your application is successful. A confirmation message will also be sent via SMS. 
  2. Print your accomplished Member’s Data Form (MDF). For emergency purposes, you can also save it on your preferred device or digital storage. Secure and take note of your Registration Tracking Number (RTN) given to you via SMS and the MDF. This is how you’ll receive your assigned Pag-IBIG registration number. 

Through these simple steps, your Pag-IBIG number online registration process should be a breeze. Take note that this online verification method would only be successful if you have a Pag-IBIG registration tracking number (RTN). This is the reason why it is crucial to save both your RTN and your membership ID (MID) number. 

How To Recover a Lost or Forgotten Pag-IBIG Number 

If you already have your Pag-IBIG number, here are the things you need to know just in case you lose or forget it. The following are the verification methods that you can apply: 

  • Make use of the Virtual Pag-IBIG number inquiry service (Registration Tracking Number / RTN needed). 
  • Send your inquiry or message to this email address: contactus@pagibigfund.gov.ph  
  • Visit the official Pag-IBIG Fund Facebook page and send a private message. Be sure to include your full name (with middle name, if applicable), date of birth, and mother’s maiden name. 
  • Contact the Pag-IBIG hotline (8724-4244) to raise your concerns with a customer service representative. 
  • Head to the nearest Pag-IBIG branch (open from Monday to Friday). Click here to see the complete list of Pag-IBIG branches. 

How To Recover a Lost or Forgotten Pag-IBIG RTN 

You can apply these methods when you need to recover your Registration Tracking Number (RTN). Also, be prepared to take note of your registered Pag-IBIG MID number and RTN. Make sure to have at least one valid ID ready for identity-verification purposes. 

  • Contact the Pag-IBIG hotline (8724-4244). Be ready to provide the following personal information: 
    • Full name (with middle name) 
    • Mother’s maiden name 
    • Date of birth 
    • Employment status 
  • Visit the official Pag-IBIG Fund Facebook page and send a private message. State your request including the following personal information: 
    • Full name (with middle name) 
    • Mother’s maiden name 
    • Date of birth 
    • Employment status 
  • Send your inquiry or message to this email address: contactus@pagibigfund.gov.ph or you can fill out the Email Us form that can be found on the official website. 
  • Go to the nearest Pag-IBIG branch to recover your RTN. Click here to view the complete list of Pag-IBIG branches. 

How To Verify Your Pag-IBIG Fund Membership ID Number 

Here are the methods you can use to verify your MID number: 

  • Visit the Virtual Pag-IBIG MID Number Inquiry page and provide the necessary details to undergo online number verification. Have the following information ready: 
    • Registration tracking number (RTN) 
    • Last name 
    • Date of birth (using DD/MM/YYYY format) 

Your RTN can be found on your Member’s Data Form (MDF) generated after you accomplished your online registration. After clicking on the Submit button, your Pag-IBIG MID number should appear. You can keep a copy of it by taking a screenshot or writing it down. 

  • Send an email inquiring about your MID number via contactus@pagibigfund.gov.ph and be ready to provide all the needed information such as your full name, date of birth, address, as well as mother’s maiden name. 
  • Visit the official Pag-IBIG Fund Facebook page and send a private message. As mentioned earlier, give the necessary information for verification purposes. 
  • Send a text message using this template: IDSTAT <your RTN> <your date of birth in MM/DD/YYYY format> (Example: ID STAT 123456789321 01/02/1997) 

For Globe and Touch Mobile subscribers, send to 09178884363. For Smart and Talk N’ Text subscribers, send to 09188984363. 

  • Contact the Pag-IBIG hotline (8724-4244). Be ready to provide all the required personal information. 

How To Verify Your Pag-IBIG Fund Application 

The verification process generally takes about two working days. If you want to check the status of your permanent Pag-IBIG MID number, you may send a text message using this template: 

IDSTAT <your RTN> <your date of birth in MM/DD/YYYY format> 

(Example: ID STAT 123456789321 01/02/1997) 

For Globe and Touch Mobile subscribers, send to 09178884363. 

For Smart and Talk N’ Text subscribers, send to 09188984363. 

If you are a self-employed individual, your Registration Tracking Number (RTN) can already be used to pay for Pag-IBIG contributions. 

Pag-IBIG Fund Contribution Tables (2022) 

At this point, you’re probably wondering how your contributions are computed. Here are the specific tables per category showing the corresponding rates and distributions of shares. 

For Employees and Employers 

Monthly Salary Employee’s Share Employer’s Share Total Contributions 
₱1,500 and below 1% 2% 3% 
Over ₱1,500 2% 2% 4% 

Employees are required to pay the contributions for Pag-IBIG every month from their salaries. This is done and administered by the employer or authorized personnel. It is also advised for employers to record and submit reports to Pag-IBIG regarding their employee contributions. 

For Self-Employed Members  

Monthly Salary Contribution Rate 
At least ₱1,000 to ₱1,500 1% 
Over ₱1,500 2% 

Based on the table shown above, members who are considered professionals, small business owners, freelancers, and consultants must apply the given contribution rates. 

For OFWs (with employers subject to mandatory HDMF coverage) 

Monthly Salary OFW’s Share Foreign Employer’s Share Total Contributions 
₱1,500 and below 1% 2% 3% 
Over ₱1,500 2% 2% 4% 

An Overseas Filipino Worker whose foreign employer is subject to mandatory coverage must pay the given rates above. 

For OFWs (with employers not subject to HDMF coverage)  

Monthly Salary Contribution Rate 
Over ₱1,500 2% 

An Overseas Filipino Worker whose foreign employer is not subject to mandatory coverage must pay a contribution amounting to 2% of their monthly salary. According to the HDMF guidelines (circular 391), the employee may choose to pay for the employer counterpart. 

For Non-Working Spouse Members 

Half of Monthly Salary of Working Spouse Contribution Rate 
₱1,500 and below 1% 
Over ₱1,500 2% 

Spouse members who are unemployed can also have savings through the Pag-IBIG Fund. Based on half of the working spouse’s salary, the given rates must be applied. 

For Kasambahay Members 

Monthly Salary Employer’s Share Kasambahay’s Share Total Contributions 
₱1,500 and below 3% 0% 3% 
₱1,500 to ₱4,999 4% 0% 4% 
₱5,000 and above 2% 2% 4% 

Kasambahay members are exempted to pay contributions if their monthly salary falls below P5,000. Household employers must be able to shoulder the full contributions of their employees. 

Housing Loan Table 

To be eligible for Pag-IBIG loans, a member must have at least two years’ (or 24 months) worth of contributions to be approved. Here’s a table showing how much housing loan a member can get from the Pag-IBIG Fund based on their contributions. A member is allowed to contribute a minimum monthly amount of ₱200 and a maximum of ₱2,950. 

Monthly Contribution Loan Amount 
₱200 Up to ₱500,000 
₱250 ₱500,000 – ₱600,000 
₱300 ₱600,000 – ₱700,000 
₱350 ₱700,000 – ₱750,000 
₱400 ₱800,000 – ₱900,000 
₱450 ₱900,000 – ₱1,000,000 
₱500 ₱1,000,000 – ₱1,100,000 
₱550 ₱1,100,000 – ₱1,200,000 
₱600 ₱1,200,000 – ₱1,300,000 
₱650 ₱1,300,000 – ₱1,400,000 
₱700 ₱1,400,000 – ₱1,500,000 
₱750 ₱1,500,000 – ₱1,600,000 
₱800 ₱1,600,000 – ₱1,700,000 
₱850 ₱1,700,000 – ₱1,800,000 
₱900 ₱1,800,000 – ₱1,900,000 
₱950 ₱1,900,000 – ₱2,000,000 
₱1,000 ₱2,000,000 – ₱2,100,000 
₱1,500 ₱3,000,000 – ₱3,100,000 
₱2,000 ₱4,000,000 – ₱4,100,000 
₱2,500 ₱5,000,000 – ₱5,100,000 
₱2,950 ₱5,900,000 – ₱6,000,000 

How To Update Your Pag-IBIG Information Online 

As of writing, there’s still no option available for you to update or request corrections to your Pag-IBIG membership record online. Pag-IBIG requires all members to personally visit a Pag-IBIG satellite office for information update requests. They are also required to present a printed copy of the complete Member’s Data Form (MDF). 

How To Get a Pag-IBIG Card 

Aside from being a government identification card that bears your MID, the Pag-IBIG Loyalty Card Plus also serves as a cash card. You can use it to get MP2 savings dividends and multi-purpose loan proceeds, among others. With the card, you can also maximize exclusive discounts and rewards on various expenses including tuition fees, grocery purchases, and hospital bills. This is made possible by Pag-IBIG’s partnerships with multiple establishments in the country. 

Here are the easy steps to obtain your card: 

  1. Download and fill out the application form with the required information. 
  2. Submit the completed form to the nearest Pag-IBIG branch. 
  3. Head to the cashier and pay the registration fee of ₱125. Keep the receipt because you will need to present it upon claiming your card. 
  4. Have your picture taken and fingerprints scanned by a Pag-IBIG representative. Double-check all your encoded information before affixing your digital signature. 
  5. Claim your card at the same Pag-IBIG branch after 45 days. A hassle-free option is also available: you can have it mailed directly to your address. 

Final Points 

 A Pag-IBIG membership can be a gateway to financial freedom. Aside from providing a way for Filipinos to afford their own house, the Pag-IBIG Fund also grants short-term loans and administers a savings program.  

It’s time for you to make the most of what this fund has to offer. Do take note of the tips and other information provided in this article to make any transaction as hassle-free as possible.  

For more tips on adulting as well as the latest news on housing and real estate, visit our Enta blog page

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