CREATION OF Pag-IBIG Fund

The birth of Home Development Mutual Fund (HDMF), more popularly known as the Pag-IBIG
Fund, was an answer to the need for a national savings program and an affordable shelter
financing for the Filipino worker. The Fund was established on 11 June 1978 by virtue of
Presidential Decree No. 1530 primarily to address these two basic yet equally important needs.
Under the said law, the Social Security System (SSS) shall administer the funds of private
employees, while the Government Service Insurance System (GSIS) shall administer the funds of
government employees.

Less than a year after on 1 March 1979, Executive Order No. 527 was signed. The order directed
transferring the administration of the Fund to the National Home Mortgage Finance Corporation
(NHMFC), which was one of the operating agencies of the then Ministry of Human Settlements.

Seeing the need to further strengthen the stability and viability of the two funds, Executive Order
No. 538 was issued on 4 June 1979, merging the funds for private and government personnel into
what is now known as the Pag-IBIG Fund. However, it was only on 14 December 1980 when
Pag-IBIG was made independent from the NHMFC with the signing of PD 1752, which is
recognized as the HDMF Charter. With the improved law in effect, the Fund’s rule-making power
was vested in its own Board of Trustees. Likewise, PD 1752 made Pag-IBIG membership
mandatory for all SSS and GSIS member-employees.

Months after former President Corazon C. Aquino assumed leadership of the country, Pag-IBIG
contributions were suspended from May to July 1986. On 1 August 1986, former President Aquino
directed the resumption of Pag-IBIG membership under Executive Order No. 35. Membership was
still on a mandatory basis but under more liberal terms. The employee and employer contribution
rates were reduced, and the Maximum Fund Salary was raised from P3,000 to P5,000.

1 January 1987 marked the return of the Pag-IBIG Fund to a voluntary program under Executive
Order No. 90. It was during the years as a voluntary fund that Pag-IBIG introduced innovative
benefit programs that heeded the calls for expansion of membership, and addressed the immediate
financial as well as housing needs of its members.

After eight years as a voluntary fund, Pag-IBIG membership reverted to mandatory on 17 June
1994 when President Fidel V. Ramos signed Republic Act 7742. The new law became effective on
1 January 1995.

More than a decade after RA 7742 was implemented, the Pag-IBIG Fund continues to be a strong
partner in realizing Filipino workers’ dreams. Recognizing HDMF’s contributions and the need to
further strengthen its capability as the biggest source of housing finance in the country to date,
President Gloria Macapagal-Arroyo signed into law Republic Act No. 9679 or the Home
Development Mutual Fund Law of 2009 on 21 July 2009, and making Pag-IBIG membership
mandatory for all, including Filipinos employed by foreign-based employers. Now more than ever,
Filipino workers will enjoy the benefits that are available only to Pag-IBIG members.

Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya
at Gobyerno. To this day, the Pag-IBIG Fund continues to harness these four sectors of the society
to work together towards providing Fund members with adequate housing through an effective
savings scheme.

2
 VISION

To be the premier and globally competitive provident financial institution.

MISSION

To uplift the quality of life of the members through savings.

GOALS

1. To motivate the employed and other earning groups to save, with

contributory support of the employers, through an integrated nationwide
provident savings system.

2. To provide affordable housing finance to the Fund’s members to enable them

to meet their housing needs.

MEMBERSHIP

Who are eligible to apply for membership?

Membership with the Fund may either be:

1. Mandatory

 All employees who are or ought to be covered by the Social Security System
(SSS), provided that actual membership in the SSS shall not be a condition
precedent to the mandatory coverage in the Fund. It shall include, but are not
limited to:

 A private employee, whether permanent, temporary, or provisional who is

not over sixty (60) years old;

 A household helper earning at least P1,000.00 a month. A household

helper is any person who renders domestic services exclusively to a
household such as a driver, gardener, cook, governess, and other similar
occupations;

3
  A Filipino seafarer upon the signing of the standard contract of employment
between the seafarer and the manning agency, which together with the
foreign ship owner, acts as the employer;

 A self-employed person regardless of trade, business or occupation, with

an income of at least P1,000.00 a month and not over sixty (60) years old;

 An expatriate who is not more than sixty (60) years old and is compulsorily
covered by the Social Security System (SSS), regardless of citizenship,
nature and duration of employment, and the manner by which the
compensation is paid. In the absence of an explicit exemption from SSS
coverage, the said expatriate, upon assumption of office, shall be covered
by the Fund.

An expatriate shall refer to a citizen of another country who is living and

working in the Philippines.

 All employees who are subject to mandatory coverage by the Government

Service Insurance System (GSIS), regardless of their status of appointment,
including members of the judiciary and constitutional commissions;

 Uniformed members of the Armed Forces of the Philippines, the Bureau of Fire
Protection, the Bureau of Jail Management and Penology, and the Philippine
National Police;

 Filipinos employed by foreign-based employers, whether they are deployed here

or abroad or a combination thereof.

2. Voluntary

An individual at least 18 years old but not more than 65 years old may register with
the Fund under voluntary membership. However, said individual shall be required
to comply with the set of rules and regulations for Pag-IBIG members including the
amount of contribution and schedule of payment. In addition, they shall be subject
to the eligibility requirements in the event of availment of loans and other
programs/benefits offered by the Fund.

The following shall be allowed to apply for voluntary membership:

 Non-working spouses who devote full time to managing the household and family
affairs, unless they also engage in another vocation or employment which is
subject to mandatory coverage, provided the employed spouse is a registered
Pag-IBIG member and consents to the Fund membership of the non-working
spouse;

 Filipino employees of foreign government or international organization, or their

wholly-owned instrumentality based in the Philippines, in the absence of an
administrative agreement with the Fund;
4
  Employees of an employer who is granted a waiver or suspension of coverage
by the Fund under RA 9679;

 Leaders and members of religious groups;

 A member separated from employment, local or abroad, or ceased to be self-

employed but would like to continue paying his/her personal contribution. Such
member may be a pensioner, investor, or any other individual with passive
income or allowances;

 Public officials or employees who are not covered by the GSIS such as
Barangay Officials, including Barangay Chairmen, Barangay Council Members,
Chairmen of the Barangay Sangguniang Kabataan, and Barangay Secretaries
and Treasurers;

 Such other earning individuals/groups as may be determined by the Board by

rules and regulations.

When does membership with the Fund begin?

Membership with the Fund becomes official only upon remittance of the first monthly
membership contribution. Thus, membership begins only upon the said date as
evidenced by the Pag-IBIG Fund Receipt.

How much should a member contribute?

The contribution rate of all members, except for non-working spouses of Pag-IBIG
members, shall be as follows:

Contribution Rate
Monthly Compensation
Employee Employer (if any)

P1,500.00 and below 1.0% 2.0%

Over P1,500.00 2.0% 2.0%

A Filipino employee working abroad and whose employer is not subject to mandatory
coverage shall contribute an amount equivalent to 2% of his/her monthly compensation.
Said employee may opt to pay the employer counterpart.

The maximum monthly compensation to be used in computing the employee and

employer contributions shall not be more than five thousand pesos (P5,000.00).

Employer shall remit two percent (2%) of the monthly compensation of the contributing
member as counterpart contribution. The employer is not entitled to deduct from the

5
wages or remuneration of or, otherwise, to recover from the employee the employer's
contribution.

A non-working spouse of a Pag-IBIG member shall contribute as follows:

Fifty Percent (50%) of Working

Spouse’s Monthly Compensation Contribution Rate

P1,500 and below 1.0%

Over P1,500 2.0%

Notwithstanding the said contribution rates, a member may contribute more than what is
prescribed.

How will contributions be remitted to the Fund?

Formally employed members shall contribute through salary deduction. Their employers
shall have the responsibility to remit said contributions to the Fund on a monthly basis.

Other members may pay directly to the Fund or through any of its authorized collecting
agents. For those who want to contribute on a monthly basis, contributions shall be
th
remitted on or before the 10 day of the following calendar month. For quarterly
th
payments, remittance must be made on or before the 10 day of the first month of the
following quarter.

What happens to the membership of POP members?

Pag-IBIG Overseas Program (POP) members shall now be mandatorily-covered under

Pag-IBIG I. They shall remit in accordance with the rates herein prescribed. They may
also opt to continue contributing for their POP membership. However, in such cases,
their contributions for Pag-IBIG I shall take precedence over those for POP.

For how long does one remain a Pag-IBIG I member?

Membership with the Fund shall be for a term of twenty (20) years with a total of 240
monthly membership contributions or upon the occurrence of any of the following
grounds for membership termination:

 Membership Term Maturity;

 Death;
 Retirement;
 Permanent Total Disability or Insanity;
 Permanent departure from the country;
 Termination from the service by reason of health; and
 Other causes as may be provided for by the Board of Trustees.

6
 MEMBERSHIP REGISTRATION
(Simple Transaction)

Schedule of Receipt of Application

Monday to Friday, 8:00 a.m. - 5:00 p.m.
(No Lunch Break)

Processing Time: 40-45 minutes

Processing Fee: None

Requirement:

One (1) valid ID (Refer to page 9)

Procedure

Person Responsible
STEP 1  Go to the nearest Pag-IBIG NCR/Regional
Branch or any extension/service office/field
service center.

 For NCR/Regional Branch, proceed to the

Marketing and Enforcement Division
servicing counter.
For extension/service office/field service
center, proceed to the information counter. Members Services
Officer (MSO) III
 Inquire on how to register.

STEP 2  Present one (1) valid ID (refer to page 9)

5 Minutes for verification purposes.

Note:
If verified as registered and membership
record is updated, end of transaction. If
not, proceed to step 3.

7
 Person Responsible
STEP 3 For branches with On-line Membership
Registration System (You will be assisted by
an MSO III )

 Go to the designated computer.

 Read the Terms and Conditions.
 Click the “Accept” button to proceed with
the registration.
 Encode required information/update
membership record.

For branches and extension/service office/

field service center where on-line membership
registration system is not available.

 Secure Member’s Data Form (MDF,

2 copies). Members Services
 Accomplish MDF. Officer (MSO) III
 Submit duly accomplished MDF (2 copies).

STEP 4 For branches with On-line Membership

10 Minutes Registration System

 Get system-generated MDF with

Registration Tracking Number (RTN).

For branches and extension/service office/

field service center where on-line membership
registration system is not available.

 Get acknowledged copy of the MDF

(copy 2).

END OF TRANSACTION

8
 LIST OF VALID IDs ACCEPTABLE TO THE FUND

1. Company ID 8. Integrated Bar of the Philippines

2. Passport, issued by Philippine or (IBP) ID
Foreign Government 9. Senior Citizen Card
3. Driver’s License 10. Overseas Workers Welfare
4. Professional Regulation Commission Administration (OWWA) ID
(PRC) ID 11. Overseas Filipino Worker (OFW) ID
5. Social Security System (SSS) Card 12. Seafarer’s Identification and
6. Government Service Insurance System Record Book (SIRB)
(GSIS) e-Card 13. Postal ID
7. Government Office and GOCC ID e.g. 14. Voter’s ID
Armed Forces of the Philippines (AFP) ID

HANDLING MEMBER’S SUGGESTION/COMPLAINT

To our Valued Members/Customers:

Your opinion is of great importance to us. You may send us your suggestions,
complaints, or any concern through any of the following:

 Servicing Counters

You may visit our servicing counters stationed at NCR/Regional branches.

For NCR provident-related concerns, please visit the Pag-IBIG Branch maintaining
your records. However, for housing-related concerns, you may visit us at the ground
floor of Atrium of Makati, Makati Avenue, Makati City.

For those in the regions, you may raise both your provident- and housing-related
concerns to the branch maintaining your records.

 Forms

Please accomplish the Customer Service Feedback Form (CSFF) or the Customer
Complaint Form (CSF). These forms are available at various counters of any
Pag-IBIG Office. You may drop the accomplished form/s at designated
Suggestion/Complaint Boxes upon your visit.

9
  Letters

Letters may be sent to:

The Member Relations Department
Rm 603, 6/F The Atrium of Makati
Makati Avenue, Makati City

You may also send your letters directly to the concerned Pag-IBIG Branch,
addressed to the Office of the Manager.

 E-mails

E-mails may be sent to publicaffairs@pagibigfund.gov.ph. You shall receive a

confirmation message that your email has been forwarded to the concerned
branch/department for appropriate reply and/or action.

 Pag-IBIG Hotline

For your immediate concerns you may also reach us at 724-4244 (Pag-IBIG), from
Monday to Friday between 8:00 am and 5:00 pm. However, you may also call the
Marketing and Enforcement Division of the concerned branch at telephone numbers
indicated under List of Branches.

Rest assured that we shall carefully evaluate your concerns and shall respond to you
immediately. Likewise, we shall give your complaints considerable attention
according to the following:

Duration Nature of Concern

3 working days  Simple queries (General Information)

 Complaints

10 working days  Complex queries (Policy and Loan-related

queries, queries that require coordination with
other Pag-IBIG offices)
 Grave complaints

1 hour  Pag-IBIG Hotline Queries

Thank you for your continued support to the Fund. We look forward to bringing you
and all our members a more responsive service.

10

KAMIAS
768 Mac Douton Bldg., EDSA cor. East
Ave., Diliman, Quezon City
426-9528
IMUS
KM 20 Olma Bldg. Emilio Aguinaldo
Highway Imus, Cavite
046-4719013 loc. 303 & 305
MAKATI I
1st, 2nd and 3rd Floor 317 Justine Bldg.
Sen. Gil Puyat Avenue, Makati City
812-4731 loc. 205/813-2570
LA UNION
Pag-IBIG Fund Bldg. Government
Center. Brgy.Sevilla,
San Fernando City La Union
072-2421970/5589 loc. 102 & 105
Laoag Extension Office
WC Bldg. Brgy. #10 D.
Samonte St. Laoag City
077-7704699
BAGUIO
G/F Insular Life Bldg. Abanao Ext. cor.
Legarda Road, Baguio City
074-6191330/2710 local 104
CALAMBA
High Rise Business Center National
Highway, Brgy. Halang, Calamba City
049-5451278/5451232/
5451236 local 112
LUCENA
2nd Floor, Lucena Grand Terminal
Bldg., Ilayang Dupay, Lucena City
042-7102869
LIST OF Pag-IBIG BRANCHES
NCR – NORTH
CUBAO
145 Union Square Condominium
15th Avenue Cubao, Quezon City
995-0292/387-8136
NCR – WEST
PASAY
Marvin Terraces Condominium 980
Vito Cruz cor. Singalong Sts.
Malate, Manila
400-2164/526-7964
NCR – SOUTH
MAKATI II
3rd and 4th Floor 317 Justine Bldg.
Sen. Gil Puyat Avenue Makati City
817-2637/817-4418
NORTHERN LUZON
DAGUPAN
1st & 3rd Floors Benning Realty
Square Pantal District Arellano St
Dagupan City
075-5223865/3266 loc. 306
MALOLOS
2nd Floor, North Centrum Bldg.
Tabang, Guiguinto, Bulacan
044-6903755
Cabanatuan Extension Office
2nd Floor DBP Building Burgos
Avenue, Cabanatuan City
044-6001225/463-1692
SOUTHERN LUZON
BATANGAS CITY
Caedo Commercial Center
National Highway Bo. Calicanto,
Batangas City
043-7235939/723-5848/
723-2082/723-6151 loc. 506
CALAPAN
Unit 11 Filipiniana Commercial
Complex Brgy. Sto. Nino Calapan
City, Oriental Mindoro
043-2867455
Puerto Princesa Extension Office
Lustre Building, Rizal Avenue,
Puerto Princesa City, Palawan
048-4335024
ORTIGAS
611 Westar Bldg. Shaw Blvd.,
Pasig City
746-8784/747-3129
MANILA
Park n Ride Bldg. P. Burgos Ave.
cor. Dr. Basa Streets
Ermita, Manila
527-6729/384-4396
MAKATI III
5th and 8th Floor 317 Justine Bldg.
Sen. Gil Puyat Avenue Makati City
812-4731 loc. 804
SAN FERNANDO
Suburbia Commercial Center
Maimpis, City of San Fernando,
Pampanga
045-8604490 loc. 113 /
045-8612684
Tarlac Extension Office
Benin Bldg. Zamora Street
San Roque, Tarlac City
045-6286025/628-6026
DINALUPIHAN
NEJ Bldg. San Ramon Highway
Dinalupihan, Bataan
047-4813593 loc. 204 /481-3606
LEGAZPI
Hi-Tone Construction &
Development Corp. Bldg.
B. Imperial St. Bitano,
Legazpi City
052-4808867/480-8539 loc. 108
Masbate Field Service Center
Door No. 2, Espinosa Apartment
Mabini St., Masbate City
056-3333678
Catanduanes Field Service
Center
Provincial Govt. of Catanduanes
Capitol Building, Virac,
Catanduanes
ANTIPOLO
Emraud Square Plaza
Circumferencial Road
Antipolo City
696-6052
CALOOCAN
Puritan Philippines, Inc. (PPI)
Bldg. 355 EDSA corner Gen.
Tirona St. Caloocan City
367-7601
TUGUEGARAO
Ong Chong Bldg.
88 Del Rosario St.
Tuguegarao City, Cagayan
078-8441448/2285 loc. 104
Isabela Extension Office
2nd Floor, Bucag Bldg.
cor. Faustino L. Dy & Canciller
Sts. Cauayan City Isabela
078-6522470/652-2883
Nueva Vizcaya Extension
Office
BAJ Bldg., Mabini St. Solano,
Nueva Vizcaya
078-3266113/3267811
NAGA
3rd Floor Annelle Bldg., Tabuco
Naga City
054-4735232 to 34/4738098 to
99/4723610/4731017 loc. 316
Daet Field Service Center
Rafer Bldg. Magallanes, Iraya,
Daet, Camarines Norte
054-4401640
11
 VISAYAS
ILOILO CITY CEBU CITY
F & E Bldg., Emmanuel Business Pag-IBIG Fund WT Corporate
Center, Benigno Aquino Avenue, Molo Tower, Mindanao Avenue, Cebu
Iloilo City Business Park, Cebu City
033-3381032 032-4155003/416-3933/415-5009
Kalibo Service Center loc.1300 & 1301/
3rd Floor Garcia Bldg., C. La Cerna St. 032-2342792/415-5003
Kalibo, Aklan Dumaguete Extension Office
036-2689335 Philippine National Red Cross
Capiz Extension Office Bldg. Legaspi St.,
Emmanuel Arches Bldg. Dumaguete City
Arnaldo Boulevard, Roxas City 035-2257713
036-6214165
NORTHERN MINDANAO
ZAMBOANGA CITY PAGADIAN
Pag-IBIG Fund Bldg. San Jose Road 2nd Floor DBP Building, Rizal
Baliwasan, Zamboanga City Avenue, Balangasan District
062-9910092 Pagadian City
Dipolog Extension Office 062-2141695/215-2716/2144959/
3rd Floor Ello Building, corner Arellano 214-1695 loc. 7
and Echavez Sts. Dipolog City ILIGAN
065-2124542 Ground Floor and 2nd Floor,
Gonzales-Gimeno Bldg. IV,
Tubod Highway, Iligan City
063-2213378
SOUTHERN MINDANAO
DAVAO CITY TAGUM
Pryce Tower Condominium Ramos Bldg. Arellano St.
Pryce Business Park, Bajada Tagum City
8000, Davao City 084-2187261/218-7652
082-2275827/222-8055
Disclaimer
The provisions in this Charter may be revised or modified in accordance with new as well as amended guidelines and procedures any time
without prior notice to the members. In such cases, the updated versions of the Citizen’s Charter may be accessed through the Pag-IBIG Fund
website at www.pagibigfund.gov.ph.
12
MANDAUE
A.S. Fortuna St., Brgy. Bakilit,
Mandaue City, Cebu
032-4226000 loc. 1201/032-
4223620
Tagbilaran Extension Office
Maria Clara St. Tagbilaran City
038-5018455
BACOLOD
St. Francis Center, Araneta St.
Singcang Bacolod City
034-4351129 loc. 106 & 117
BUTUAN
ARUJ Building, T. Calo Street
Extension, Butuan City
085-3423183/225-2341 loc. 19
Surigao Extension Office
Ground Floor, Lorna Laurante
Bldg., Capitol Road,
Surigao City
086-8266212
GENERAL SANTOS CITY
2nd and 3rd Floors, RDRDC
Building, Santiago Boulevard,
General Santos
083-5523566 loc. 207/083-
5545468
Koronadal Extension Office
2nd Level Firmart Mall of Marvel
National Highway,
Koronadal City
083-2288125
TACLOBAN
Pag-IBIG Fund Bldg. Lopez
Jaena St. cor. Del Pilar St.
Tacloban City
053-3259092
Ormoc Service Center
Rm 208, 2nd Floor, Superdome
San Pedro Street, Ormoc City
053-2555089
CAGAYAN DE ORO
Pag-IBIG Fund Building, J.R.
Borja St., Cagayan de Oro City
08822-714616/726348 loc.
211/08822-721258
Bukidnon Extension Office
Tubeo Bldg., Damasco St.,
Malaybalay City, Bukidnon
088-2214155
COTABATO CITY
6th Floor, CYM Building, Don
Rufino Alonzo St.,
Cotabato City
064-4216425
Kidapawan Service Center
2nd Floor, Zepol Bldg., Alim St.,
Kidapawan City
064-2885470