Pag-IBIG Fund (HDMF) Tutorial
Updated: June 2026Na-update: Hunyo 20265 min read5 minutong basahin
Pag-IBIG Fund (Home Development Mutual Fund or HDMF) is the national savings program that provides affordable housing loans and other loan facilities to Filipino workers. This comprehensive guide will help you understand membership, contributions, and how to avail of Pag-IBIG loans and benefits.
📌 What's new for 2026
- Record dividends declared Feb 27, 2026 for FY2025: Regular Savings 6.62% and MP2 Savings 7.12% — total payout ₱64.34B (all-time high).
- Multi-Purpose Loan upgrade (May 16, 2025): loanable amount raised to 90% of TAV (from 80%), minimum contributions lowered to 12 monthly (from 24), and new 12-month and 36-month term options added alongside the existing 24-month term.
- Subsidized housing rates retained: 3% p.a. under the 4PH socialized housing program (held in March 2026 even as socialized-housing price ceilings rose), the 4.5% p.a. promo for non-socialized loans ≤ ₱1.8M (Oct 2025 rollout), and 3% p.a. AHL for minimum-wage earners.
- Loyalty Card Plus on EMV-chip Visa issued through UnionBank and Asia United Bank — ₱125 one-time issuance fee.
- Calamity Loan: up to 36 months to repay, with a 3-month grace period before the first amortization.
Choose your path
What is Pag-IBIG Fund?
- Home Development Mutual Fund (HDMF) — a provident savings institution under RA 9679. Mandatory for all employed Filipinos; voluntary for OFWs, non-working spouses, and other members.
- Builds your Total Accumulated Value (TAV) via monthly contributions plus tax-free annual dividends. Withdraw your full TAV after 240 monthly contributions (20 years) or at retirement (60/65).
- Loans require at least 24 monthly contributions: Housing Loan up to ₱6M (30-year terms), Multi-Purpose Loan against your TAV, Calamity Loan in declared-calamity areas.
Member categories at a glance
- Employed (private sector, government, kasambahay) — 2% employee + 2% employer of Monthly Fund Salary, capped at the MFS ceiling. Under HDMF Circular No. 460 (Feb 2024), the MFS ceiling is ₱10,000 — max ₱200 + ₱200 = ₱400/month total.
- Self-employed (freelancers, entrepreneurs, professionals) — pays both shares = 4% of declared monthly income up to the MFS ceiling.
- Voluntary (OFWs, non-working spouses, others) — member's choice within HDMF minimums and maximums.
Special Services
Pag-IBIG transactions outside the register-pay-loan standard flow.
- Pay Contributions — monthly payment via Virtual Pag-IBIG or partners
- Calamity Loan — if your area is under a declared state of calamity
- Provident Withdrawal — withdraw TAV after 240 months or at retirement
- Loyalty Card Plus — ATM/debit card for loan and benefit disbursements
- Update Member Info — change personal or employment details
- Death Benefit — claim for beneficiaries of a deceased member
Pag-IBIG Services: Which Guide Do You Need?
PinoyGovGuide's Pag-IBIG (HDMF) membership and loans guides — each links to a full walkthrough with requirements, fees, and steps:
- Pag-IBIG registration — register as a new Pag-IBIG (HDMF) member.
- Pag-IBIG contributions — pay your monthly Pag-IBIG savings.
- Pag-IBIG update member information — update your Pag-IBIG profile.
- Pag-IBIG loyalty card — get the Pag-IBIG Loyalty Card Plus.
- Pag-IBIG housing loan — apply for a Pag-IBIG home loan.
- Pag-IBIG multi-purpose loan — apply for the MPL.
- Pag-IBIG calamity loan — apply when your area is declared under calamity.
- Pag-IBIG MP2 savings — open a 5-year MP2 savings account.
- Pag-IBIG provident withdrawal — withdraw your Pag-IBIG savings (TAV).
- Pag-IBIG death benefit — claim the death benefit for an heir.
Important Information
- Mandatory membership: All employed Filipinos must register and contribute
- 24-month contribution: Required before you can apply for any loan
- Tax-free dividends: Your annual dividends are exempt from withholding tax
- Loyalty Card Plus: Free ATM/debit card for loan and withdrawal disbursements
- Online services: Virtual Pag-IBIG portal for statements, payments, and applications
- Contribution rate: 2% employee + 2% employer of Monthly Fund Salary (MFS). Under HDMF Circular No. 460 (Feb 2024) the MFS ceiling is ₱10,000, giving a maximum total of ₱400/month (₱200 + ₱200) — confirm current values at pagibigfund.gov.ph.
- Membership maturity: After 240 monthly contributions (20 years), you qualify to withdraw your Total Accumulated Value (TAV = contributions + dividends) under the Provident Benefits program. Pag-IBIG does not have a separate "Lifetime Member" status the way PhilHealth does.
Need Help?
Contact Pag-IBIG Fund
- 24/7 Hotline: (02) 8724-4244
- SMS: 0917-888-4363 / 0918-898-4363
- Email: contactus@pagibigfund.gov.ph
- Virtual Pag-IBIG: pagibigfundservices.com/virtualpagibig
- Website: www.pagibigfund.gov.ph
Sources
- HDMF Circular No. 460 (Feb 2024) — Monthly Fund Salary ceiling raised to ₱10,000 (₱200 + ₱200 = ₱400/month).
- Pag-IBIG Fund — dividend rate declaration, Feb 27, 2026: Regular Savings 6.62%, MP2 Savings 7.12% for FY2025 (GMA News).
- PNA — Pag-IBIG Multi-Purpose Loan upgrade, May 16, 2025 (90% of TAV, 12-month minimum contributions, new 12/24/36-month terms) (pna.gov.ph).
- Inquirer / PIA — Pag-IBIG maintains 3% rate for 4PH socialized housing (March 2026) (business.inquirer.net).
- Pag-IBIG Fund official site: pagibigfund.gov.ph.
- Republic Act No. 9679 — Home Development Mutual Fund Law of 2009.
Disclaimer
This guide is provided for general informational purposes only. The requirements, steps, fees, and procedures mentioned here may vary depending on the Pag-IBIG branch you visit. We recommend visiting your nearest Pag-IBIG branch first to confirm the specific requirements and process before preparing your documents.