Pag-IBIG Housing Loan. REMINDERS FOR THE FOLLOWING BORROWERS

Pag-IBIG Housing Loan. REMINDERS FOR THE FOLLOWING BORROWERS

Own your perfect home in only 6 simple actions with the Pag-IBIG Fund Housing Loan. Borrow as much as P6 million at our lowest-ever interest levels. Find out more below and discover ways to have your ideal house with the Pag-IBIG Fund Housing Loan!

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Variety of valid IDs

  • Information for Borrowers with Updated Accounts
  • Advisories for Borrowers with Delinquent Accounts

    • ON THE WEB SERVICE (e-Services)

  • Housing Loan Application
  • Developer’s Online Housing Application For The Loan
  • Eligibility
  • Loan Function
  • Demands
  • By Loan Purpose
  • Modes of re Payment
  • Collaterals & Restrictions
  • Advisory

    • Verification Of Income For Locally Employed (some of the following):

  • Notarized certification of Employment and Compensation (CEC) Indicating the gross month-to-month earnings and monthly allowances or month-to-month financial benefits gotten by the worker.
  • Latest Income Tax Return (ITR)For the year straight away preceding the date of application for the loan with attached BIR Form No. 2316 stamped gotten because of the BIR.
  • Certified One (1) Month PayslipWithin the very last three (3) months ahead of date of application for the loan.

    • NOTE: For government employees, certified one (1) month payslip in the last three (3) months ahead of date of loan application needs to be submitted as well as CEC or ITR.

    Verification Of Income For Self-employed (any one of listed here):

  • ITR, Audited Financial Statements, and Official Receipt of tax re re payment from bank supported with DTI Registration and Mayors Permit/Business allow
  • Commission Vouchers reflecting the issuers contact and name details (for the past 12 months)
  • Bank Statements or passbook for the past one year (just in case earnings is sourced from international remittances, retirement benefits, etc.)
  • Copy of Lease Contract and Tax Declaration (if earnings comes from rental payments)
  • Certified Copy that is true of Franchise issued by appropriate federal federal government agency (LGU for tricycles, LTFRB for any other PUVs)
  • Certification of Engagement released by owner of business
  • Other document that could validate income source

    • Proof Of Income For international Filipino Workers (OFW) (some of the after):

  • Employment Contract:
  • Employment Contract between employer and employee; or
  • POEA Standard Contract
  • Certification of Employment and Compensation (CEC)
  • CEC written regarding the Employer/Companys official letterhead; or
  • CEC finalized by company (for household staff and likewise situated employees) sustained with a photocopy associated with the companies ID or passport
  • Income Tax Return filed with Host Country/Government

    NOTE: If documents have been in foreign language/s, English interpretation is needed.

    Verification Of Income For Locally Employed (any of the after):

  • Notarized certification of Employment and Compensation (CEC) Indicating the gross income that is month-to-month monthly allowances or month-to-month financial advantages gotten by the worker.
  • Latest Income Tax Return (ITR)For the entire year straight away preceding the date of loan application with connected BIR Form No. 2316 stamped received because of the BIR.
  • Certified One (1) Month PayslipWithin the very last three (3) months just before date of application for the loan.

    • NOTE: For federal government workers, certified one (1) thirty days payslip in the last three (3) months just before date of application for the loan must certanly be submitted as well as CEC or ITR.

    Verification Of Income For Self-employed (any one of the next):

  • ITR, Audited Financial Statements, and Official Receipt of taxation re re payment from bank supported with DTI Registration and Mayors Permit/Business allow
  • Commission Vouchers reflecting the issuers contact and name details (going back year)
  • Bank Statements or passbook during the last year (just in case earnings is sourced from international remittances, retirement benefits, etc.)
  • Copy of Lease Contract and Tax Declaration (if earnings hails from leasing payments)
  • Certified Copy that is true of Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for any other PUVs)
  • Certificate of Engagement granted by owner of business
  • Other document that could validate revenue stream

    • Verification Of Income For Overseas Filipino Workers (OFW) (any of the after):

  • Employment Contract:
  • Employment Contract between employee and boss; or

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  • POEA Standard Contract
  • Certification of Employment and Compensation (CEC)
  • CEC written from the Employer/Companys official letterhead; or
  • CEC finalized by manager (for home staff and likewise situated employees) sustained by a photocopy for the companies ID or passport
  • Tax Return filed with Host Country/Government

    NOTE: If documents have been in international language/s, English interpretation is needed.

    AWARENESS OF each HOUSING LOAN BORROWERS

    The Credit Information Systems Act (CISA), the Pag-IBIG Fund is required to submit its housing loan borrower’s Basic Credit Data and other credit information to the Credit Information Corporation (CIC) as mandated by R.A. 9510 pr.

    CISA aims to deal with the need for a thorough, centralized and dependable credit information system, thereby developing the creditworthiness regarding the borrower.

    All information submitted into the CIC will be covered by strict confidentiality and will probably be utilized just for the declared purpose of this Act.

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