How to Apply for a “Pag-Ibig Calamity Loan”

Personal Loan

What things do you know about Pag-Ibig Calamity Loan?

Apply Pag-Ibig Calamity Loan, Loan, Pag-Ibig Calamity Loan

“Pag-Ibig Calamity Loan” program is a loan assistance programfor Pag-ibig Fund members who live in areas declared under a state of calamity. Typhoon Rolly was one of the calamities that badly hit the country in 2020. Pag-Ibig Fund, in a statement released on November 3, 2020, mentioned that there were 226,170 members who were eligible to borrow a total of Php 4.4 billion in calamity loan. To help affected members by Typhoon Rolly to apply for a loan, Pag-Ibig Find has established service desks in areas affected by the said typhoon.

How can I qualify for “PAG-IBIG CALAMITY LOAN”

These are the following requirements to qualify for a Pag-Ibig Calamity Loan:

  • You should have at least paid 24 monthly membership savings and haveproof of income to qualify.
  • You should have at least paid 5 monthly contributions in the last six months before the loan application date.
  • You must be residing in an area declared under a state of calamity.
  • If you have existing loans with Pag-Ibig, your loan payments should be updated.

How much can I borrow?

Apply Pag-Ibig Calamity Loan, Loan, Pag-Ibig Calamity Loan

Pag-Ibig Fund Calamity Loan: Photo Owner Pag-Ibig Fund
  • Loan amount: Up to 80% of the member’s Total Accumulated Value
  • Interest rate:  5.95% per annum
  • Repayment period:  24 months, with a grace period of three months (Monthly amortization starts on the fourth month after the date on the issued check.)

If you have any existing Pag-Ibig Fund loans, make sure that your payments are updated so you can qualify for the calamity loan. 

How do I apply for “Pag-Ibig Calamity Loan”

  • Apply for the Calamity Loan within 90 days from the declaration of a state of calamity in your area 
  • Go to any Pag-Ibig Fund branch and submit the required documents.

What are the required documents?

Now that you have details about the Calamity Loan, you need to know what to prepare for your loan application. Please take note, and prepare the said requirements.

Apply Pag-Ibig Calamity Loan, Loan, Pag-Ibig Calamity Loan

(1) Download the Calamity Loan Application Form Click Here

(2) Fill up the Form

(3) Prepare the documents below

  • Photocopy of your two valid IDs. 
  • Proof of Income (for formally employed):One month latest payslip duly authenticated by the company’s authorized signatory 
  • Proof of Income (for Self-Employed and OFWs)Click here

If filing is done through a representative, your representative should bring these additional requirements: 1) authorization letter; 2) his / her valid ID; 3) the original copy of the photocopied required documents for authentication purposes

How do I pay for a Calamity Loan?

  • Employed members should pay the loan through a salary deduction arrangement with their employers 
  • Overseas Filipino Workers (OFW), Self Employed, and other individual payors can pay at any branch of Pag-Ibig Fund.

The loan is payable within 24 months. The initial payment is due on the 3rd month after the loan release.

How can I apply Pag-Ibig Calamity Loan Online?

Due to Covid-19, some government offices are operating on a skeletal workforce. So, here are some tips for the online application of Pag-Ibig Calamity Loan.

  1. Download the Calamity Application Form.
  2. You must complete the form and save it in PDF.
  3. Send the PDF file to your company HR via email. Together with a valid ID, attach your Loyalty Card Plus, Landbank, and DBP Cash card.
  4. Or send the Calamity Loan Application through designated email addresses. Check the list below.

Apply Pag-Ibig Calamity Loan, Loan, Pag-Ibig Calamity Loan

Apply Pag-Ibig Calamity Loan, Loan, Pag-Ibig Calamity Loan

To get more information about Pag-Ibig Calamity Loan, you may go to the nearest Pag-Ibig Branch or you may call8-724-4244. 

How can I know if my Pag-Ibig Calamity Loan is Approved?

After submitting all the required documents, Pag-Ibig members will get a text message confirming loan approval and crediting the amount of the loan in the Loyalty Card Plus or Landbank / DBP Cash card.

* First-time members who avail of this loan without Loyalty Card Plus or Landbank / DBP Cashcard shall be advised where they can easily claim their loan.

How can I pay my Pag-Ibig Calamity Loan?

Employed Members  

If the member is formally employed, they shall pay their loan amortization through a salary deduction arrangement with their employers.

Self-Employed Individuals, Overseas Filipino Workers (OFW’s)

If a member is either self-employed or Overseas Filipino Workers (OFW), here are several ways to pay for the loan.

These are the following list you can pay for an individual.

  1. You can pay at any branch of Pag-Ibig Fund
  2. Over the counter payments at the bank
  3. Thru CIS Bayad Center (Meralco company)

Final Thoughts

Recover after a disaster, so you need all help you can get. This Calamity Loan from our Government makes an easy to borrow and help us to get back on your feet soon.

Some Filipinos find it hard to recover from the previous storms, earthquakes and from the pandemic like the COVID-19. Good thing, there is a financial assistance program from the government such as the ‘Pag-Ibig Calamity Loan’. So next time you will be in need of financial assistance due to a calamity, start to secure the requirements so you can apply for a Calamity Loan online or at the Pag-Ibig Fund branch. 


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