BENEFITS

BENEFITS
• Savings
• Dividends
• Housing Loans
• Short-term Loans and Other Programs
• Death Benefits
SAVINGS BENEFITS

PAG-IBIG Regular Savings Program

• Monthly contributions
• Dividend earnings
MP2 (Modified Pag-IBIG 2) Savings
• For Pag-IBIG Fund members who wish to save more and earn high
dividends, in addition to their Pag-IBIG Fund Regular Savings.

OPTIONAL WITHDRAWAL
HOUSING LOAN
• Purchase of fully-developed residential lot or adjoining residential lots not
exceeding one thousand square meters (1,000 sqm);
• Purchase of a residential house and lot, townhouse, or condominium unit;
• Construction or completion of a relative of the borrowers;
• Home improvement on the house owned by the borrower or a relative of
the borrower, or on a property currently secured under Contract-to-Sell
(CTS) or Deed of Conditional Sale (DCS) between Pag-IBIG Fund and the
buyer.
• Refinancing of an existing housing loan;
• Purchase of residential lot or unit plus cost of transfer of title.
SHORT-TERM LOANS
• Multi-purpose Loan (MPL)
• Minor home improvement
• Additional capital for a small business
• Tuition Fee and other education-related expenses
• Purchase of furniture, appliances or electronic gadgets
• Payment of utility and credit card bills
• Vacation and travel
• Special events
• Car Repair; or
• Other Needs

• Calamity Loan
• For Pag-IBIG Fund members who reside in areas declared under a state of calamity and are
affected by such disasters
DEATH BENEFITS
• Payable to member’s beneficiaries
PORTABILITY OF MEMBERSHIP
• Member who:
• Transfers to another employer
• Becomes self-employed
PENALTY
• Punishable by a fine of not less than, but not more than twice, the
amount involved or imprisonment of not more than six (6) years, or
both such fine and imprisonment