What are the Pag-Ibig Benefits?

Pag-Ibig is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya At Gobyerno. It harness four sectors of the society to work together to provide fund members adequate housing to effective saving scheme. Having a mandatory contribution like Pag-Ibig may not sound a good idea, but there are Pag-Ibig benefits that you may not know about until today.

Affordable Financing

One of the most popular Pag-Ibig benefits is offering fund assistance to its members by providing affordable financing for their housing needs. You can borrow up to 6 million pesos at 5.5% interest rate per annum payable for up to 30 years.


Contributing to Pag-Ibig fund, guarantee Tax-Exempted annual dividends. As you reach your membership maturity (twenty years of active Pag-ibig membership, total of 240 paid monthly contributions) you can get your Total Accumulated Value(TAV)

Calamity Loan

As this state of pandemic, typhoon, earthquake, storm surge, and more. It is relieving to know that you will have somewhere to get money, as long as you lived in an area declared to be under a state of calamity you can get a loan of up to 80% of your TAV, with an interest rate of 5.95% per annum which is payable for 24 months.

Multi-Purpose Loan

Pag-ibig also offers short term loan that you can use for your leisure, travel, small business, bills payment, tuition fee of your child, and so on. Just like the Calamity Loan you can borrow 80% of your TAV, payable for 24 months. The only difference is the annual interest, MPL charges 10.75% per annum.

In order to acquire the benefits you must be an active member with at least 24 monthly contributions to qualify.

See also. PhilHealth Maternity Package and Free Hospitalization.

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