If you wish to apply for a housing loan, here are their requirements

Pag-IBIG Housing Loan Application Requirements

  1. recent 1X1 photo
  2. 2 valid IDs
  3. Proof of Income Documents
    For Locally Employed, any of the following:
  • a. Notarized Certificate of Employment and Compensation (Employer’s Format) and for government employees 1 month payslip, within 3 months prior to the date of loan application
  • b. Latest ITR for the year immediately preceding the date of loan application – attach W2 form, stamped received by the BIR/Certificate of Tax Withheld (BIR Form 2316)

For Self-employed / Other Sources of Income, any of the following:

  • a. ITR, Audited Financial Statements and Official Receipt of Tax Payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit
  • b. Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months)
  • c. Bank Statements or passbook for the last 12 months (in case income is sourced or derived from foreign remittances, pensions, etc.)
  • d. Copy of Lease of Contract and Tax Declaration (if income is derived from rental payments)
  • e. Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for other Public Utility Vehicle (PUVs)
  • f. Certificate of engagement issued by owner of business
  • g. Other document that would validate source of income or funds

For OFWs, any of the following:

  • a. Employment Contract (with English translation if in foreign language)
  • b. Original Employer’s Certificate of Income (with English translation if in foreign language). If document submitted is photocopy, it shall be duly certified/initiated by Pag-IBIG Fund Information Officer assigned in the country where the member works.
  • c. Other Proofs of Income, whether original or photocopy, shall be duly certified/initiated by Pag-IBIG Fund information officer assigned in the country where the member works.
  • Photocopy (back-to-back) of 1 primary valid ID of Principal Borrower and Spouse, Co-borrower and Spouse, Seller and Spouse and Developer’s authorized representative and Attorney-in-Fact, if applicable.
  • Authorization to Conduct Credit/Background Investigation (download it here)
  • For OFWs, Special Power of Attorney notarized prior to date of departure or duly certified and authenticated by the Philippines Embassy or Consulate in the country where the member is staying, if abroad. If SPA is without the Red Ribbon of Consulate Office, the SPA must have duly stamped notarial seal.
  • Health Insurance Coverage
    a. Health Statement Form (Medical Questionnaire)

    • OFW members over 60 years old
    • Loans over 2 Million pesos to 6 Million pesos and for borrowers aged up to 60 years old

    b. Health Statement Form (Medical Questionnaire) and Full Medical Examination

    • Borrowers over 60 years old
  • Marriage Contract (for all married borrowers, co-borrower/s, spouse, family member/s included on the computation of aggregate income)
  • 9. Birth Certificate of or any proof of relationship, if with co-borrower/s or family member/s included on the computation of aggregate income.
  • Certified True Copy of Transfer Certificate of Title (TCT) – from Registry of Deeds.
  • Photocopy of Updated Tax Declaration and Updated Real Estate Tax Receipt – from Municipal’s Assessor’s Office
  • Location Plan and Vicinity Map
  • Approved letter request to re-avail of a Pag-IBIG housing loan – for members with housing loan that was foreclosed, cancelled, bought back due to default or subjected to dacion en pago).

If locally employed (working within the Philippines)

  1. Certificate of Employment (COE) indicating salary, position and length of service
  2. Latest Income Tax Return (ITR) for the last 2 years

If Expat Pinoy (Overseas Filipino Worker):

  1. Contract / Certificate of Employment (COE) authenticated by Philippine Consulate
  2. Crew Contract and Exit Pass validated by POEA (seaman)
  3. Proof of monthly remittances
  4. Notarized or authenticated Special Power of Attorney


For Bank Financing Eligibility Requirements

  1. Filipino citizen or foreigner (see Visa requirements)
  2. At least 21 years old but not exceeding 65 years old upon loan maturity
  3. Minimum gross family income of P50,000.00/month.
  4. Stable source of income from employment or business
  5. If employed, at least 2 years with current company
  6. If self-employed, at least 2 consecutive successful and profitable years of operation
For OFWs:
  • Certificate of Employment stating length of service and monthly compensation package.
  • POEA Contract.
  • ITR (if any)
  • Payslips (last 6 months)
  • Special Power of Attorney (Bank Form)
  • All documents have to be authenticated by the Philippine Embassy/Consul if issued abroad.