Buyer guides
Pag-IBIG basics
Pag-IBIG is the state home-financing fund many employees and OFWs already pay into. It can fund the balance of a home. It does not replace the down payment.
Membership first
A housing loan needs an active membership and a contribution record Pag-IBIG will accept. If contributions stopped while you were between jobs, fix that before you treat a reservation as safe.
Equity is still yours
Developers often collect 10 to 20 percent, sometimes more, before turnover. That equity is not the Pag-IBIG loan. The loan is asked to take the balance when the unit is ready and the title work can move. If the equity months are already tight, a lower price is a better conversation than a longer brochure.
What they usually ask for
Expect government ID, proof of income, and the developer’s contract or buyer's information sheet. Employed buyers and OFWs are not asked for the same income papers. The developer’s accredited list also matters: not every project is eligible for Pag-IBIG takeout.
Rates change
Pag-IBIG publishes a rate matrix that depends on the loan amount and the repricing period. This website does not copy that matrix, because it moves. The calculator on a project page is a plain amortizing formula so you can see the shape of a monthly payment. It is not a Pag-IBIG quotation.