If you are planning to get a loan at Pag-IBIG, as a member, you don’t need to go to their nearest branches just to file or apply for Pag-IBIG Multi-Purpose Loan (MPL) or Calamity Loan. Instead, you can now do it online via visiting its website, making applications consequently safe, convenient, and more accessible. If you are interested to apply, here’s a quick guide on the Pag-IBIG Salary Loan.
Table of Contents
Pag-IBIG Salary Loan is also known as the Pag-IBIG Multi-Purpose Loan (MPL), which is a cash assistance program every Pag-IBIG member can choose to avail. MPL is a cash loan designed to help qualified Pag-IBIG Fund with any immediate financial need.
The Pag-IBIG MPL can be used for any of the following purposes:
The MPL comes with an interest rate of 10.% per annum. Pag-IBIG noted that a significant part of the income derived from the MPL’s interest is returned to its members in the form of dividends.
To qualify, you must have:
Qualified members can borrow up to 80% of their total Pag-IBIG Regular Savings, which consist of their monthly contributions, their employer’s contributions, and accumulated dividends earned.
Moreover, this means that the more you save in your Pag-IBIG Regular Savings, the higher loan amount you may apply for via the MPL.
If you have an outstanding Pag-IBIG Calamity Loan, the amount you may borrow shall be the difference between the 80% of your total Pag-IBIG Regular Savings and the outstanding balance of your Pag-IBIG Calamity Loan.
ALSO READ: How to Apply for Pag-IBIG Fund Calamity Loan Online 107
• Multi-Purpose Loan Application Form 263 (MPLAF, HQP-SLF-065) (1 Original)
• Valid ID acceptable to the Fund (1 Photocopy)
• Proof of Income (For Formally-employed:)
The “Certificate of Net Pay” portion at the back of the application form must be accomplished by the employer or submit a photocopy of one (1) month latest payslip duly authenticated by the company’s authorized signatory.
• Proof of Income (For Self-Employed, any of the following:)
a. ITR, Audited Financial Statements, and Official Receipt of tax payment from bank supported with DTI Registrant and Mayor’s Permit/Business Permit (1 Photocopy)
b. Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months) (1 Original)
c. Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittance, pension, etc.) (1 Original)
d. Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTRFB for other PUVs) (1 Original)
e. Certificate of Engagement issued by the owner of business (1 Original)
f. Notarized Affidavit of Income (HQP-SLF-136) (1 Original)
• Proof of Income (For Overseas Filipino Workers (OFW), any of the following:)
a. Employment Contract
– Employment Contract between employee and employer (1 Photocopy); or
– POEA Standard Contract (1 Original)
b. Certificate of Employment and Compensation (CEC)
– CEC written on the Employer/Company’s official letterhead (1 Original); or
– CEC signed by the employer (for household staff and similarly situated employees) (1 Original), supported by a photocopy of the employer’s ID and passport
c. Income Tax Return filed with Host Country/Government (1 Original)
Note, however, that in all instances wherein photocopies are submitted, the original documents must be presented for authentication.
You may easily apply for a Pag-IBIG MPL online by following the steps below.
Via Email
1) Download and accomplish the Pag-IBIG Multi-Purpose Loan Application form.
2)Email form to your company HR, fund coordinator, or other authorized representative along with front and back photocopies of:
– Valid ID
– Loyalty Card Plus (if applicable)
– Landbank card (if applicable)
– UCPB card (if applicable)
-DBP cash card (if applicable)
3) Your company representative will then email the Employer Confirmation of STL Application 119 to the pertinent Pag-IBIG fund department:
4) Email your Multi-Purpose Loan documents to the nearest Pag-IBIG branch via these emails:
| Email Address | Branch |
|---|---|
| [email protected] | GMA Kamuning, Quezon Avenue, Commonwealth Avenue, Cubao, Marikina, Caloocan – EDSA, Valenzuela, Pasig, Mandaluyong – Shaw Zentrum, and Antipolo |
| [email protected] | Makati-Buendia I, Binan, Makati-Ayala Avenue, Makati-Buendia II, Makati-JP Rizal, Taguig – Gate 3 Plaza, Guadalupe-EDSA, Muntinlupa, SM Aura, Intramuros, Sta. Mesa, Binondo, Pasay, Las Pinas-Robinsons Place, Paranaque, Imus, Rosario, and Dasmarinas |
| [email protected] | La Union, Laoag, Vigan, Dagupan, Urdaneta, and Baguio |
| [email protected] | Tuguegarao, Solano, and Cauayan |
| [email protected] | an Fernando, Tarlac, Angeles, SBMA, Balanga, Malolos, Baliwag, Cabanatuan, and Meycauayan |
| [email protected] | Lucena, Batangas, Lipa, Calamba, San Pablo, Sta. Rosa, Calapan, and Palawan |
| [email protected] | Legazpi and Naga |
| [email protected] | Cebu-Ayala, Dumaguete, Talisay, Toledo, Cebu-Colon, Mandaue, Danao, Mactan, Tagbilaran, Tacloban, Calbayog, and Ormoc |
| [email protected] | Iloilo-Manduriao, Iloillo-Molo, Kalibo, San Jose de Buenavista, Roxas, Bacolod, Kabankalan, and Sagay |
| [email protected] | CDO-Lapasan, CDO-Carmen, Valencia, Butuan, San Francisco, Surigao, and Iligan |
| [email protected] | Zamboanga, Dipolog, and Pagadian |
| [email protected] | Davao-Bajada, Davao-Matina, Davao-Lanang, Digos, Tagum, Panabo, General Santos, Polomolok, Koronadal, Kidapawan, and Cotabato |
Via Virtual Pag-IBIG
Another option is by applying via Virtual Pag-IBIG 135.
• Uploading your duly accomplished loan application form and requirements*; or
• Completing the Pag-IBIG MPL application online form, for members whose employers are enrolled under the Virtual Pag-IBIG for Employers**
*Available to members with a Pag-IBIG Loyalty Card Plus or cashcards issued by any of Pag-IBIG Fund’s partner banks for such purpose.
**Available to members with a Pag-IBIG Loyalty Card Plus only
The loan is payable within three years or 36 months and comes with a deferred first payment. Members may also opt to pay their loans in two years or 24 months.
If you are an employed member, you may pay your loan amortizations via a salary deduction arrangement with your employer. Should you wish to accelerate or advance your payments, you may do so via Virtual Pag-IBIG, at any Pag-IBIG Fund branch near you, or through any of our accredited collecting partners’ outlets or their online payment channels.
On the other hand, if you are a self-employed individual or an Overseas Filipino Worker (OFW), you may pay your loan amortizations via Virtual Pag-IBIG, at any Pag-IBIG Fund branch near you, or through any of our accredited collecting partners’ outlets or their online payment channels.
To know more about the Pag-IBIG Multi-Purpose Loan (or Salary Loan), you may download Pag-IBIG Fund Circular No. 448, Modified Guidelines on the Pag-IBIG Multi-Purpose Loan (MPL) Program by clicking here 111.
Source: Pag-IBIG Fund 11
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jhonel asis santos says:
bkit po hnggng ngaun wla pren po Yung loan q pero Yung sa kasamahan q po na kasabay q lng ng pasa Meron na pa sa knya ako pa po ba problema pa nng skin paki update nman po qng ano po ba problema nng skin para po maasikaso q na kc need na po nng tlga Yung niloan q at ang tgal na po nun ehhh lampas na po Isang buwan….jhonel asis santos po ang name q pasuyo nman po ano po bang update sa loan q kc ang tagal na po tlga nun hnggng ngaun wla pren po pero Yung sa katrabaho q po na kasabay q lng din po ng pasa nng loan sa pg ibig nkakuha na po xa nkaraan padaw… need na po kc tlga nng Pera para makapag palit na po aq nng bobong nmin kc damicna po butas at tag ulan na pati
Reynaldo C Jagunob says:
paano ba? I cannot start for my salary loan
Reynaldo C Jagunob says:
no comment
I cannot see where to open for I can take and apply for loan
Mary joyce says:
How can i online my pag ibig account
felix Ped says:
please help me to apply for salary loan
Gerald Celarta says:
How to view approved loans online
jenaida callo says:
pwd po bang makapag loan ng pag -ibig mpl kahit 5k nalang ang take home pay sa payslip?
Christopher alfonso says:
Paano po kung may outstanding loan balance papo ako maigit 2years ago napong di nababayaran…pwede poba akong mkpgloan ulit ngyon?
marissa tindog says:
binabawas ba ang balance ng loan for example ng calamity pag nagloan ng salary sa pag-ibig? at ang magiging existing loan na lang ay ang bagong loan na salary? for clarification lang po. salamt po sa sasagot.
Leilany asuncion says:
Pwede q po b mkita qng ilang taon q po nhulugan ang pagibig q po slmt po
jorge B.Bejona says:
sakary loan
Julius lacse cerbas says:
Paano po mag loan online? Wla nmn ako nkita form fil apan ko sna. Tnx
Honchan lontiong says:
Paano Po ba mag apply ng loan online
Arthur Micaroz says:
Very accessible online flatform for applying loans…Thank you Pag-ibig…