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6 Steps in Pag-IBIG Housing Loan Availment

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Infographic: Nicole Castaneda
Infographic: Nicole Castaneda

*Accomplish the following forms prior to filing:

  • Health Statement Form (Medical Questionnaire)
    – For OFW members over 60 years old
    – For loans over P2M to P6M and for borrowers aged up to 60 yrs old
  • Health Statement Form (Medical Questionaire) and full medical examination
    – Borrowers over 60 years old.

** For NCR Properties, file at any of the following:
– JELP Business Solution Building: No. 409 Shaw Boulevard, Mandaluyong City ( Near Dumlao Gym)
– Kamias Branch: No. 795 Anchor Center EDSA, Quezon City (Near GMA Kamuning Station)
– Imus Branch: Olma Building, Emilio Aguinaldo Highway, Imus Cavite
– Provincial Properties: To be filed at the Pag-IBIG office nearest the subject property

  • Processing Period: 20 working days (inclusive of credit investigation and property valuation)
  • You may also file your HL application online via www.pagibigfund.gov.ph and click “E-Services.”

***NOA will be released only to the borrower or to the attorney-in-fact for OFW borrowers, provided with SPA.

****You are given 90 calendar day to do the following :

  • For the purchase of house and lot/purchase of condominium unit/purchase of lot
– Give LOG to the seller.
– Proceed to the BIR payment of capital gains tax and documentary stamp tax. BIR will issue Certificate Authorizing Registration.
– Proceed to the Local Government Unit ( LGU ) for the payment of transfer tax.
– Proceed to the Registry of Deeds (RD) for the transfer of the title and annotation of mortgage.
– Proceed to the LGU for the transfer of tax declaration.
– Submit complete requirements to Pag-IBIG Fund.
  • For purchase of house and lot mortgaged with Pag-IBIG Fund
-Proceed to the BIR for payment of capital gains tax and documentary stamp tax. The BIR will issue Certificate Authorizing Registration.
– Proceed to he Local Government Unit (LGU) for payment of transfer tax.
– Go to the pag-IBIG office to schedule trip to the Registry of Deeds ( RD ) for transfer of title and annotation of mortgage.
– Proceed to the LGU for transfer of tax declaration.
– Submit complete requirements to Pag-IBIG Fund.
  • For construction of house/home improvement
– Proceed to the BIR for payment of documentary stamp tax.
– Proceed to the Registry of Deeds (RD) for annotation of mortgage.
– Submit complete requirements to Pag-IBIG Fund.
  • For refinancing
– Proceed to the bank/ financing institution to give the Letter of Guaranty (LOG) and Loan and Mortgage Agreement (LMA).
– Proceed to the Registry of Deeds (RD) for annotation of mortgage.
– Submit complete requirements to Pag-IBIG Fund.
*****Payee to bring two ( 2) valid IDs. (Payee is either the borrower, the seller, or the a third party to which the loan proceeds is assigned to be released.) Borrower to bring 12 PDCs (if payment is not thru salary deduction)
  • Loan proceeds will be released to the person/institution assigned by the borrower/buyer.

******One month from DV/Check Date

● For house construction/home improvement, one month from DV check Date of the final loan release

● For house construction home improvement, the loan release shall be staggered based on progress of construction.

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