How to Register an Account with PAGIBIG Fund as a Voluntary Member

Pag-IBIG Fund is a government program that helps Filipino families to make their dream houses come true in the course of the housing loans they offer. Due to the fact that it is one of the most beneficial investments available to citizens, a lot of people are intending to acquire membership to be able to build the perfect home for their families.

Can anyone register as a member with this program?

Providentially, most citizens don’t need to acquire membership for Pag-IBIG Fund for themselves as it is commonly prepared by the company a registrant is working for. However, it is quite unfortunate for those who don’t have stable jobs as they aren’t granted the privilege of having it prepared just like how it is for the employed citizens. They have to personally shoulder the cost of the contribution since they aren’t a part of any company.

Nonetheless, business owners or self-employed or unemployed registrants may still apply for an account with Pag-IBIG as it is not much of a hassle to register on your own. By registering for an account, citizens will fall under the Voluntary Member category.

In addition, there are also certain qualifications for anyone who intends to be a member of the said program.

1. Not more than sixty-five (65) years old at the date of loan application and must be insurable; provided further that he is not more than seventy (70) years old at loan maturity;
2. Has the legal capacity to acquire and encumber real property;
3. Has passed satisfactory background/credit and employment/business checks of the Pag-IBIG Fund;
4. Has no outstanding Pag-IBIG housing loan, either as a principal borrower or co-borrower;
   However, should a co-borrower in a tacked loan signify an intention to avail of a Pag-IBIG housing loan for himself, he shall be allowed to do so provided the tacked loan is updated and the amount proportionate to his loan entitlement has been fully paid. Hence, the co-borrower shall be released from the original obligation and shall be allowed to avail of his own Pag-IBIG housing loan, subject to standard evaluation procedures.
5. Had no Pag-IBIG housing loan that was foreclosed, cancelled, bought back due to default, or subjected to dacion en pago, which shall include cases where the borrower is no longer interested to pursue the loan and surrenders the property;
6. Has no outstanding Pag-IBIG multi-purpose loan in arrears at the time of loan application. A member whose multi-purpose loan is in arrears shall be required to pay his arrearages over the counter to update his account.

How much does the monthly contribution cost for the Voluntary Membership category?

The amount of contribution doesn’t differ that much. For employed members, the maximum amount of contribution is currently priced at a measly amount of P100 which is shouldered individually by the employer and the employee themselves.

Meanwhile, for unemployed members who are considered as reactivating member or non-working spouse of an actively paying member is also priced at P100. Moreover, the unemployed member may upgrade their monthly contributions if they prefer, but is not allowed to lower down the amount.

Also, self-paying members or voluntary members are given the opportunity to choose the terms of payment they prefer. They can commit to monthly, bi-monthly, or quarterly.

For the individuals who are intending to register for themselves, who want to manage their own contributions, here are the things they would need to know for a hassle-free application.

Pag-IBIG has divided the IVM or Individual Voluntary Members for several categories specifically intended for each member with different status. For every category, a particular set of requirements should be submitted as a part of the application.

1. Self-paying Employees (Members who are employed in a company but Pag-IBIG is not included in their benefits.)
2. Company ID
3. Certificate of Employment and Compensation
4. Latest Pay Slip
5. Self-employed (Under this category falls the small business owners, freelancers, consultants and other professionals.)
6. Latest Income Tax Return with a CPA-certified Financial Statement from the previous year
7. Two (2) 1×1 ID photos
8. Certificate of Remittance or ESAV (this for old members)
9. Mayor’s Permit or Business Permit
10. DTI or SEC Registration (under the person’s name)
11. Self-employed professionals (Members who are known as government licensed professionals practicing in their field of expertise.)
12. PRC or BAR License
13. Latest ITR from the previous year
14. Certificate of Remittance or ESAV (this is for old members)
15. Two (2) 1×1 ID photos
16. Overseas Filipino Workers (OFWs who are reactivating members and working abroad under legitimate employment.)
17. Valid and latest Contract of Employment (has original POEA stamp)
18. POEA License, passport, or any valid ID
19. Certificate of Remittance or ESAV
20. Two (2) 1×1 ID photos
21. Special Power of Attorney – if a representative will submit the requirements and pay the contributions.
22. Unemployed Spouse (Members who are unemployed, but married to actively paying Pag-IBIG members.)
23. Affidavit of Unemployment
24. Certificate of Employment and Compensation of the member-spouse
25. Written consent from the member-spouse
26. Franchise Holders or Operators (Members with businesses on franchising.)
27. Latest ITR from the previous year
28. Franchise Permit (under the person’s name)
29. Car Registration or Official Receipt (under the person’s name)
30. Certificate of Remittance or ESAV
31. Two (2) 1×1 ID photos
32. Member-Spouse with Business (Members who are operating their own businesses and married to an actively paying Pag-IBIG member.)
33. DTI or SEC Registration
34. Mayor’s Permit or Business Permit
35. Affidavit of Unemployment
36. Latest ITR (from the previous year)
37. Certificate of Employment and Compensation of the member-spouse (must be notarized)
38. Written consent from the member-spouse
39. Two (2) 1×1 ID photos
40. Unemployed (Jobless members who are also reactivating members.)
41. Affidavit of Unemployment

After being classified accordingly, registrants may now proceed to the processing of their application. Here are the following steps to be done respectively:

1. Submit two (2) copies of MDF and other supporting requirements to the Marketing and Enforcement Division of the nearest Pag-IBIG branch. Also, the original documents should be presented for the proper verification of the submitted documents.
2. Ask for a Payment Order Form (POF) from the office, and proceed to the Cash Division of the branch to pay for the amounted membership contribution.
3. Upon payment, provide the stamped or verified documents to the Marketing and Enforcement Division for proper filing of record.
4. Secure a POF before going to the Cash Division for the contribution payment.

Being a Pag-IBIG member is a practical step to secure the future. For more details regarding Pag-IBIG Fund membership, visit their website, or go directly to the nearest branch in your place