Your Basic Guide to Pag-IBIG Fund

We all know what Pag-IBIG Fund is, most of us have it. But do we really know how it works?

Pag-IBIG is an acronym for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya, at Gobyerno. It was set up by the government to assist the working class in buying a home. The fund covers all working Filipinos both here and abroad. The required contribution is at least P100 per month. If you like, you can contribute a bigger amount. OFWs can choose to pay a yearly lump sum.


Aside from numerous Pag-IBIG branches nationwide, a contributor can pay through Bayad Centers or SM Business Centers. Another convenient way is through salary deduction.

What are the benefits for you as an employee? Registered members who have contributed regularly for at least 2 years are eligible for a home loan of up to P6,000,000.

In addition, your contribution to the fund also serves as an investment tool because it earns dividends. That means the bigger your contribution, the bigger the returns.

Interested parties may apply for membership at the Pag-IBIG Fund Official Website, []

To summarize, watch this 90-second video about the fund:

source:Pag-IBIG Fund

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  1. ruperto nambio says

    Naging miyembro ako ng Pag-ibig, matagal ng panahon. Bagama’t matagal ng panahon ang nakalipas, di ko
    pa rin makakalimutan ang isang pangyayari na nawalan ako ng tiwala sa Pag-ibig lalo na sa kinalaman sa surrendered value of contributions. Nasa akin pa hangga ngayon ang mga record ng nasabing surrendered contributions. Sa proceeds ng surrendered contributons — hindi ako kontento sa statement na aking tinanggap. Hindi ko na ipaglaban ang aking panig, sa dahilang perdere tempo para sa akin at ano naman ang magagawa ko bilang pangkaraniwang cliente ng pag-ibig. Dahil dito natuto ako — huwag basta-basta magtitiwala at huwag basta-basta sasakay sa anomang uri ng investment. Dapat alamin ang fundamentals ng isang investment. Kaya’t ang karanasan ko, close lip ako para i-encourage sa iba ang tungkol sa Pag-ibig. Kung mayroon man na magandang karanasan ang iba, salamat sa Dios at hindi nila naranasan tulad ng sa akin.

  2. Oscar Justine C. Manuel says

    Good day Sir Aya,

    I just wanna ask you if what would be the best game plan for me, I will be a call center agent on January and I’m planning to invest and I don’t how. I’m also planning to join your online seminars once I already have regular pay.

    I would be very thankful if I will have an advice from an expert like you.

    23 and Confused.

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