221 CREATION OF Pag-IBIG Fund The birth of Home Development Mutual Fund (HDMF), more popularly known as the Pag-IBIG Fund, was an answer to the need for a national savings program and an affordable shelter financing for the Filipino worker. The Fund was established on 11 June 1978 by virtue of Presidential Decree No. 1530 primarily to address these two basic yet equally important needs. Under the said law, the Social Security System (SSS) shall administer the funds of private employees, while the Government Service Insurance System (GSIS) shall administer the funds of government employees. Less than a year after on 1 March 1979, Executive Order No. 527 was signed. The order directed transferring the administration of the Fund to the National Home Mortgage Finance Corporation (NHMFC), which was one of the operating agencies of the then Ministry of Human Settlements. Seeing the need to further strengthen the stability and viability of the two funds, Executive Order No. 538 was issued on 4 June 1979, merging the funds for private and government personnel into what is now known as the Pag-IBIG Fund. However, it was only on 14 December 1980 when Pag-IBIG was made independent from the NHMFC with the signing of PD 1752, which is recognized as the Pag-IBIG Fund Charter. With the improved law in effect, the Fund’s rule-making power was vested in its own Board of Trustees. Likewise, PD 1752 made Pag-IBIG membership mandatory for all SSS and GSIS member-employees. Months after former President Corazon C. Aquino assumed leadership of the country, Pag-IBIG contributions were suspended from May to July 1986. On 1 August 1986, former President Aquino directed the resumption of Pag-IBIG membership under Executive Order No. 35. Membership was still on a mandatory basis but under more liberal terms. The employee and employer contribution rates were reduced, and the Maximum Fund Salary was raised from P3,000 to P5,000. 1 January 1987 marked the return of the Pag-IBIG Fund to a voluntary program under Executive Order No. 90. It was during the years as a voluntary fund that Pag-IBIG introduced innovative benefit programs that heeded the calls for expansion of membership, and addressed the immediate financial as well as housing needs of its members. After eight years as a voluntary fund, Pag-IBIG membership reverted to mandatory on 17 June 1994 when President Fidel V. Ramos signed Republic Act 7742. The new law became effective on 1 January 1995. More than a decade after RA 7742 was implemented, the Pag-IBIG Fund continues to be a strong partner in realizing Filipino workers’ dreams. Recognizing Pag-IBIG Fund’s contributions and the need to further strengthen its capability as the biggest source of housing finance in the country to date, President Gloria Macapagal-Arroyo signed into law Republic Act No. 9679 or the Home Development Mutual Fund Law of 2009 on 21 July 2009, and making Pag-IBIG membership mandatory for all, including Filipinos employed by foreign-based employers. Now more than ever, Filipino workers will enjoy the benefits that are available only to Pag-IBIG members. Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno. To this day, the Pag-IBIG Fund continues to harness these four sectors of the society to work together towards providing Fund members with adequate housing through an effective savings scheme. 2 Discounts of 30% and 25% are given to interested buyers who will purchase properties through housing loan and through cash payment. with contributory support of the employers. To provide affordable housing finance to the Fund’s members to enable them to meet their housing needs. downpayment is not required from any interested buyer upon purchase. MISSION To uplift the quality of life of the members through savings. the Pag-IBIG Fund is carrying out a more liberalized scheme on the disposal of its acquired properties through the Guidelines Implementing the Pag-IBIG Fund Assets Disposal Program. 3 . assist delinquent borrowers and to provide shelter affordable to Pag-IBIG members. GOALS 1. respectively. In addition. 2. GUIDELINES IMPLEMENTING THE Pag-IBIG FUND ACQUIRED ASSETS DISPOSAL PROGRAM To ease up the burden of the Pag-IBIG members.VISION To be the premier and globally competitive provident financial institution. To motivate the employed and other earning groups to save. through an integrated nationwide provident savings system. Under this program. the Fund’s acquired assets are put up for sale through housing loan and cash payment. From submission of Notarized Deed of Absolute Sale (DOAS) up to release of title Required Fee P1. proceed to Loans and Contribution Management and Recovery Division servicing counter.000. Inspect the desired property to purchase. proceed to Acquired Assets Management servicing counter. Reservation Form (RF) Procedure Stage 1: Inquire on the List of Properties for Sale and Conduct Property Inspection STEP 1 10 minutes Go to Pag-IBIG NCR/Regional Branch.00 . Person Responsible 5 working days Marketing Specialist/ Members Services Officer III 4 . For Regional Branch.5:00 pm (No Lunch Break) Processing Time 5 working days . For NCR.From date of payment of reservation fee up to signing of Deed of Absolute Sale (DOAS) . Inquire on the list of acquired assets for sale. Note: The list of acquired assets for sale is available at the bulletin board and downloadable from the Pag-IBIG website. 8:00 am .pagibigfund.ph. Offer to Purchase (OP) 2.Reservation Fee (non-refundable) Basic Requirements 1.PURCHASE OF AN ACQUIRED ASSET UNDER THE “Pag-IBIG FUND ACQUIRED ASSETS DISPOSAL” PROGRAM (Through Cash Basis) (Simple Transaction) Schedule of Receipt of Application Monday to Friday. www.gov. For NCR. Person Responsible Marketing Specialist/ Members Services Officer III STEP 2 3 minutes Cashier II STEP 3 3 minutes Marketing Specialist/ Members Services Officer III 5 . Get Pag-IBIG Fund Receipt (PFR. Present PFR (photocopy) representing payment of reservation fee and get duly acknowledged OP (copy 2). proceed to Acquired Assets Management servicing counter. Accomplish and submit OP (2 copies) and RF. proceed to Cash and Administrative Services Division servicing counter. Get Offer to Purchase (OP. For Regional Branch. For Regional Branch. copy 1) and POF (copy 1). proceed to Acquired Assets Management servicing counter. proceed to Cash DivisionLoans Management Group servicing counter. Present POF (2 copies) and pay the reservation fee. For NCR. 2 copies) for reservation fee. proceed to Loans and Contribution Management and Recovery Division servicing counter. 2 copies) and Reservation Form (RF). proceed to Loans and Contribution Management and Recovery Division servicing counter.Note: Come back to Pag-IBIG Fund after property inspection. For NCR. For Regional Branch. Get Payment Order Form (POF. Expect telephone/cellphone call on the approval. Person Responsible Marketing Specialist/ Members Services Officer III Stage 2: Submit Offer to Purchase and Pay Reservation Fee STEP 1 15 minutes Go to Pag-IBIG NCR/Regional Branch. 2 copies) for payment of the approved purchase price. For NCR. Get NOAS (copy 1). Sign “Conforme” portion of Notice of Approval of Sale through Cash (NOAS). proceed to Cash and Administrative Services Division servicing counter. Come back to Pag-IBIG Fund for payment of the purchase price within 30 calendar days from receipt of NOAS. proceed to Acquired Assets Management servicing counter. For Regional Branch. accomplish and submit Request for Change in Mode of Payment not later than 10 working days prior to expiration of the approved payment term. proceed to Cash DivisionLoans Management Group servicing counter. For Regional Branch. proceed to Loans and Contribution Management and Recovery Division servicing counter. For Regional Branch. 2. proceed to Acquired Assets Management servicing counter.STEP 4 3 minutes Upon receipt of call on the approval of offer. For NCR. Get Payment Order Form (POF. In case of change in mode of payment. go to Pag-IBIG NCR/Regional Branch. Notes: 1. Person Responsible Marketing Specialist/ Members Services Officer III Stage 3: Pay the Purchase Price STEP 1 3 minutes Go to Pag-IBIG NCR/Regional Branch. Present POF (2 copies) and pay the purchase price. STEP 2 3 minutes For NCR. proceed to Loans and Contribution Management and Recovery Division servicing counter. 6 Cashier II Person Responsible Marketing Specialist/ Members Services Officer III . proceed to Acquired Assets Management servicing counter. Person Responsible For NCR. Present PFR (payment of purchase price). For Regional Branch. Have the DOAS notarized. Submit notarized DOAS (5 copies) and get the following documents: * TCT/CCT (photocopy) * DOAS (copies 1 and 2) * Original Receipt (OR) of Expanded Withholding Tax (EWT) or Certification on Tax Exemption 7 Marketing Specialist/ Members Services Officer III . proceed to Acquired Assets Management servicing counter. Get Pag-IBIG Fund Receipt copy 1) and POF (copy 1). Note: Come back to Pag-IBIG Fund after the following period for signing and notarial of DOAS: 3 working days – for Cash Payment 5 working days – for Local Personal/ Manager’s Check 7 working days – for Regional Personal/Manager’s Check Marketing Specialist/ Members Services Officer III STEP 4 12 minutes Upon receipt of call on the availability of DOAS. For Regional Branch. go to Pag-IBIG NCR/Regional Branch. Get and sign DOAS (6 copies). proceed to the Loans and Contribution Management and Recovery Division servicing counter. STEP 3 3 minutes (PFR. proceed to Loans and Contribution Management and Recovery Division servicing counter. For NCR. Expect telephone/cellphone call on the availability of Deed of Absolute Sale (DOAS). Stage 4: Get the Title STEP 1 5 minutes Upon receipt of call on the availability of title for release. The buyer shall be the one to get the Certificate Authorizing Registration (CAR) from the Bureau of Internal Revenue (BIR). go to Pag-IBIG NCR/ Regional Branch. Notes: 1.* Tax Declaration * Real Estate Tax Receipts * Deed of Assignment (if applicable) Notes: 1. For registration and transfer of title. Expect telephone/cellphone call on the availability of title for release. For NCR. and get the original TCT/CCT. proceed to Cash and Administrative Services Division servicing counter. For Regional Branch. Present DOAS and 2 valid IDs. 2. END OF TRANSACTION Person Responsible Marketing Specialist/ Members Services Officer III Person Responsible Document Securities Analyst III/Securities Custodian II Note: The following period are excluded in the determination of the maximum processing time: 30–day period given to Pag-IBIG member for full payment of the purchase price reckoned from date of receipt of the Notice of Approval of Sale 5 working days for clearing of Local Personal/Manager’s Check 7 working days for clearing of Regional Personal/Manager’s Check 8 . The Buyer shall be responsible for the notarization of DOAS and payment of the Documentary Stamp Tax (DST). proceed to Securities and Mortgage Custodianship Division Treasury Department servicing counter. 2. please refer to the Guide on the Registration and Transfer of Title in the Name of the Buyer. 000.From submission of Notarized Deed of Absolute Sale (DOAS) up to release of title Required Fee P1. For Regional Branch. 8:00 am . proceed to Loans and Contribution Management and Recovery Division servicing counter.PURCHASE OF AN ACQUIRED ASSET UNDER THE “Pag-IBIG FUND ACQUIRED ASSETS DISPOSAL” PROGRAM (Through Installment Basis) (Simple Transaction) Schedule of Receipt of Application Monday to Friday.00 .Reservation Fee (non-refundable) Basic Requirements 1. Note: The list of acquired assets for sale is Person Responsible 3 working days 5 working days Marketing Specialist/ Members Services Officer III 9 . proceed to Acquired Assets Management servicing counter.From date of payment of reservation fee up to execution of Deed of Conditional Sale (DCS) including payment of 1-year insurance premium . Reservation Form (RF) Procedure Stage 1: Inquire on the List of Properties for Sale and Conduct Property Inspection STEP 1 10 minutes Go to Pag-IBIG NCR/Regional Branch. Offer to Purchase (OP) 2.From date of payment of last installment due up to signing of Deed of Absolute Sale (DOAS) . Inquire on the list of acquired assets for sale. For NCR.5:00 pm (No Lunch Break) Processing Time 3 working days . Expect telephone/cellphone call on the approval. For NCR. For Regional Branch. proceed to Cash and Administrative Services Division servicing counter. proceed to Loans and Contribution Management and Recovery Division servicing counter. For Regional Branch. proceed to Acquired Assets Management servicing counter. Get Payment Order Form (POF.gov. 2 copies) and Reservation Form (RF). Stage 2: Submit Offer to Purchase and Pay Reservation Fee STEP 1 15 minutes Go to Pag-IBIG NCR/Regional Branch.ph.available at the bulletin board and downloadable from the Pag-IBIG website. proceed to Cash DivisionLoans Management Group servicing counter. Present PFR (photocopy) representing payment of reservation fee and get duly acknowledged OP (copy 2). For NCR. 2 copies) for reservation fee. proceed to Acquired Assets Management servicing counter. proceed to Loans and Contribution Management and Recovery Division servicing counter. www. Get Pag-IBIG Fund Receipt (PFR. Inspect the desired property to purchase. For NCR. Note: Come back to Pag-IBIG Fund after property inspection. Present POF (2 copies) and pay the reservation fee. Accomplish and submit OP (2 copies) and RF. Person Responsible Marketing Specialist/ Members Services Officer III Person Responsible Marketing Specialist/ Members Services Officer III STEP 2 3 minutes Cashier II STEP 3 3 minutes Marketing Specialist/ Members Services Officer III 10 .pagibigfund. Get Offer to Purchase (OP. For Regional Branch. copy 1) and POF (copy 1). For NCR. proceed to Acquired Assets Management servicing counter. For Regional Branch. go to Pag-IBIG NCR/Regional Branch. Get NOASIB (copy 1) and DCS (3 copies). accomplish and submit Request for Change in Mode of Payment not later than 10 working days prior to expiration of the approved payment term. proceed to Loans and Contribution Management and Recovery Division servicing counter. The first monthly installment shall commence on the month immediately following the signing of DCS. proceed to Cash and Administrative Services Division Person Responsible Marketing Specialist/ Members Services Officer III STEP 2 3 minutes Cashier II 11 . Have the DCS notarized. Submit notarized DCS (copy 2). In case of change in mode of payment. proceed to Loans and Contribution Management and Recovery Division servicing counter. For NCR. For NCR. Person Responsible Marketing Specialist/ Members Services Officer III Stage 3: Pay Monthly Installments STEP 1 3 minutes Go to Pag-IBIG NCR/Regional Branch. Notes: 1.STEP 4 12 minutes Upon receipt of call on the approval of offer. 2 copies) for payment of the monthly installment due. For Regional Branch. proceed to Cash DivisionLoans Management Group servicing counter. 2. For Regional Branch. Sign “Conforme” portion of Notice of Approval of Sale through Installment Basis (NOASIB) and Deed of Conditional Sale (DCS). Get Payment Order Form (POF. proceed to Acquired Assets Management servicing counter. Have the DOAS notarized. For Regional Branch. proceed to Acquired Assets Management servicing counter. Submit notarized DOAS (5 copies) and get the following documents: * TCT/CCT (photocopy) * DOAS (copies 1 and 2) * Original Receipt (OR) of Expanded Withholding Tax (EWT) or Certification 12 Person Responsible Cashier II Marketing Specialist/ Members Services Officer III STEP 4 12 minutes Marketing Specialist/ Members Services Officer III . Get Pag-IBIG Fund Receipt (PFR. copy 1) and POF (copy 1). Present PFR (payment of final monthly installment due). For Regional Branch. proceed to Loans and Contribution Management and Recovery Division servicing counter. Present POF (2 copies) and pay the monthly installment due. proceed to the Loans and Contribution Management and Recovery Division servicing counter. STEP 3 3 minutes Upon payment of the last monthly installment due: For NCR. proceed to Acquired Assets Management servicing counter. Expect telephone/cellphone call on the availability of Deed of Absolute Sale (DOAS). Note: Come back to Pag-IBIG Fund after the following period for signing and notarial of DOAS: 3 working days – for Cash Payment 5 working days – for Local Personal/ Manager’s Check 7 working days – for Regional Personal/Manager’s Check Upon receipt of call on the availability of DOAS. For NCR. Get and sign DOAS (6 copies).servicing counter. go to Pag-IBIG NCR/Regional Branch. For NCR. go to Pag-IBIG NCR/ Regional Branch. Notes: 1. For Regional Branch. The buyer shall be the one to get the Certificate Authorizing Registration (CAR) from the Bureau of Internal Revenue (BIR). 2. please refer to the Guide on the Registration and Transfer of Title in the Name of the Buyer. For registration and transfer of title. proceed to Cash and Administrative Services Division servicing counter. proceed to Securities and Mortgage Custodianship Division Treasury Department servicing counter. Expect telephone/cellphone call on the availability of title for release.on Tax Exemption * Tax Declaration * Real Estate Tax Receipts * Deed of Assignment (if applicable) Notes: 1. 2. The buyer shall be responsible for the notarization of DOAS and payment of the Documentary Stamp Tax (DST). Stage 4: Get the Title STEP 1 5 minutes Upon receipt of call on the availability of title for release. END OF TRANSACTION Person Responsible Marketing Specialist/ Members Services Officer III Person Responsible Document Securities Analyst III/Securities Custodian II Note: The following period are excluded in the determination of the maximum processing time: Payment period given to Pag-IBIG member for payment of the monthly installments reckoned from the date of signing of Deed of Conditional Sale 5 working days for clearing of Local Personal/Manager’s Check 7 working days for clearing of Regional Personal/Manager’s Check 13 . Present DOAS and 2 valid IDs. and get the original TCT/CCT. B. .Secure copy of the new Tax Declaration for lot and house. . if applicable. if applicable. Request computation of Documentary Stamps.Pay fees for the issuance of new tax declaration under the buyer’s name for lot and house. .Pay transfer tax and registration fees. Proceed to Registry of Deed (RD) that has jurisdiction over the property: . Present bank receipt. Proceed to Bureau of Internal Revenue (BIR) that has jurisdiction over the property: Present the Deed of Absolute Sale (DOAS). Request issuance of Certificate Authorizing Registration (CAR).GUIDE ON THE REGISTRATION AND TRANSFER OF TITLE IN THE NAME OF THE BUYER A. 14 . Pay the Documentary Stamps at designated bank.Present the following documents: * Certificate Authorizing Registration (CAR) * Deed of Absolute Sale (DOAS) .Request for the following: * Issuance of new Title under buyer’s name * Certified true copy of new title * DOAS stamped received C. Proceed to Assessor’s Office that has jurisdiction over the property: .Present new title. For NCR. Incidental Expenses (to be paid within 30 days upon receipt of NOASHL): a.PURCHASE OF AN ACQUIRED ASSET UNDER THE “Pag-IBIG FUND DISPOSAL OF ACQUIRED ASSETS” PROGRAM (Through Housing Loan) (Complex Transaction) Schedule of Receipt of Application Monday to Friday.Reservation fee (non-refundable) 2.000. proceed to the Loans and Contribution Management and Recovery Division servicing counter. For Regional Branch. P2. 4. 8:00 am . proceed to the Acquired Assets Management servicing counter. Offer to Purchase (OP) Reservation Form (RF) Membership Status Verification Slip (MSVS) Housing Loan Application (HLA) Additional Requirements (Refer to pages 20 to 21) Procedure Stage 1: Inquire on List of Properties for Sale and Conduct Property Inspection STEP 1 10 minutes Go to Pag-IBIG NCR/Regional Branch.5:00 pm (No Lunch Break) Processing Time 15 working days . Transfer Fee Basic Requirements 1.From date of payment of reservation fee up to issuance of Notice of Approval of Sale thru Housing Loan (NOASHL) .From payment of the required fees up to signing of required loan documents Required Fees 1. 1-year Insurance Premium d. Required Equity (if any) c.00 . 3.000 additional processing fee b. 2. Person Responsible Marketing Specialist/ Members Services Officer III 15 5 working days . P1. 5. HLA (2 copies) and complete housing loan requirements and get Payment Order Form (POF. RF. 2 copies) for the payment of processing fee and/or lump sum payment of monthly savings. Inspect the desired property to purchase. Note: The list of acquired assets for sale is available at the bulletin board and downloadable from the Pag-IBIG website.ph. Note: Come back to the Pag-IBIG Fund after property inspection. proceed to Cash DivisionLoans Management Group servicing counter. Get Payment Order Form (POF. Inquire on the list of acquired assets for sale. For NCR. proceed to Cash and Administrative Services Division servicing counter. Get and accomplish the following: * Offer to Purchase (OP. proceed to Cash DivisionLoans Management Group servicing counter. 2 copies) * Reservation Form (RF) * Membership Status Verification Slip (MSVS) * Housing Loan Application (HLA. proceed to Cash Person Responsible Marketing Specialist/ Members Services Officer III STEP 2 3 minutes Cashier II 16 . For NCR. For Regional Branch. www. For Regional Branch.gov. 2 copies) * Checklist of Requirements Submit accomplished OP (2 copies). Person Responsible Marketing Specialist/ Members Services Officer III Stage 2: Submit Offer to Purchase with Housing Loan Requirements and Pay Reservation Fee STEP 1 15 minutes Go to Pag-IBIG NCR/Regional Branch. 2 copies) for reservation fee.pagibigfund. Get Pag-IBIG Fund Receipt (PFR. Note: The Marketing Specialist of Retail Sales Division Sales and Marketing Department or Members Services Officer III of Loans and Contribution Management and Recovery Division shall inform you thru telephone/cellphone of any findings on the Credit Investigation within 5 working days. sign “Conforme” portion of Notice of Approval (NOA) and Disclosure Statement of Loan Transaction (DSLT) and get NOA (copy 1) and DSLT (copy 1). copy 1) and POF (copy 1). proceed to Loans and Contribution Management and Recovery Division servicing counter. Note: Person Responsible Cashier II Marketing Specialist/ Members Services Officer III STEP 4 3 minutes Marketing Specialist/ Members Services Officer III 17 . Present POF (2 copies) and pay the reservation fee and/or lump sum payment of monthly savings. if any. go to Pag-IBIG NCR/Regional Branch. proceed to Loans and Contribution Management and Recovery Division servicing counter. For approved application. For Regional Branch. proceed to Acquired Assets Management servicing counter. Expect telephone/cellphone call on the approval/disapproval. For NCR. For Regional Branch. copy 1) for housing loan application. Upon receipt of call on the approval/disapproval of housing loan application. Present PFR (photocopy) representing payment of reservation fee and get duly acknowledged OP (copy 2) and Acknowledgement Receipt (AR. proceed to Acquired Assets Management servicing counter.and Administrative Services Division servicing counter. STEP 3 3 minutes For NCR. Marketing Specialist/ Members Services Officer III 18 . STEP 3 12 minutes (PFR. Person Responsible Marketing Specialist/ Members Services Officer III Person Responsible Marketing Specialist/ Members Services Officer III Cashier II For NCR. For disapproved application. proceed to Cash and Administrative Services Division servicing counter. Present POF (2 copies) and pay the required fees. Get Payment Order Form (POF.000 Processing Fee * Notarial Fee (if applicable) * Transfer Fee STEP 2 3 minutes For NCR. Stage 4: Pay the Required Fees and Sign Loan Documents STEP 1 3 minutes Go to Pag-IBIG NCR/Regional Branch. For Regional Branch.Come back to Pag-IBIG Fund for payment of required fees within 30 calendar days from receipt of NOA. Get Pag-IBIG Fund Receipt copy 1) and POF (copy 1). sign “Conforme” portion of Notice of Disapproval of Sale (NODS) and get NODS (copy 1) and housing loan requirements submitted. proceed to Loans and Contribution Management and Recovery Division servicing counter. For NCR. proceed to Acquired Assets Management servicing counter. For Regional Branch. proceed to Acquired Assets Management servicing counter. 2 copies) for payment of the following required fees: * Required Equity (if any) * 1-year Insurance Premiums * P2. For Regional Branch. proceed to Loans and Contribution Management and Recovery Division servicing counter. proceed to Cash DivisionLoans Management Group servicing counter. 1 year insurance premiums.00 processing fee and transfer and registration expense reckoned from receipt of Notice of Approval of Sale through Housing Loan 19 .000. END OF TRANSACTION Person Responsible Marketing Specialist/ Members Services Officer III Note: The following period are excluded in the determination of the maximum processing time: 30-day period given to Pag-IBIG Fund for payment of the required equity (if any). The title shall be released upon full payment of the housing loan. 2.Pay monthly savings based on upgraded rate corresponding to the approved loan amount.Pay Real Estate Property Tax (REPT) every year. Notes: 1. Present PFR (payment of required fees) and sign the following documents: * Deed of Absolute Sale (DOAS) * Loan and Mortgage Agreement (LMA) * Promissory Note (PN) Submit signed documents and start paying the monthly amortizations. P2. if applicable. and every month thereafter until full settlement of obligation. the borrower shall: . Upon loan take-out. . Latest Income Tax Return (ITR) for the year immediately preceding the date of loan application. 6. Audited Financial Statements.) f. The same ID must be presented during the conduct of borrower’s validation. stamped received by the BIR/Certificate of Tax Withheld (BIR Form No. l. Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles. Co-Borrower and Spouse. any of the following: j. Other Proofs of Income. Other document that would validate source of income For Overseas Filipino Workers (OFW). and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit d. etc. whether original or photocopy. If document submitted is photocopy. 3. 5. 2. within 3 months prior to date of loan application b. 4. any of the following: c. Notarized Certificate of Employment and Compensation (Employer’s format) and for government employees one (1) month payslip. Certificate of Engagement issued by owner of business i. any of the following: a. if applicable. 2316) For Self Employed/Other Sources of Income. Photocopy of Employment Contract (with English translation if in foreign language) k. Photocopy (back-to-back) of one (1) valid primary ID of Principal Borrower and Spouse. Copy of Lease Contract and Tax Declaration (if income is derived from rental payments) g.DOCUMENTS REQUIRED UPON LOAN APPLICATION 1. Offer to Purchase (2 copies) Housing Loan Application (2 copies) with recent ID photos of borrower Membership Status Verification Slip (MSVS) Income Documents: For Locally Employed. Authorization to Conduct/Credit Background Investigation 20 . ITR. with attached W2 form. LTFRB for other Public Utility Vehicle or PUVs) h. and Attorney-In-Fact. Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months) e. it shall be duly validated and certified/initialed by Pag-IBIG Fund Information Officer assigned in the country where the member works. Original Employer’s Certificate of Income (with English translation if in foreign language). Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances. pensions. shall be duly validated and certified/initialed by Pag-IBIG Fund Information Officer assigned in the country where the member works. If SPA is without the red ribbon of Consulate Office. 8. if with co-borrower/s or family member/s included on the computation of aggregate income 11. Note: The pro-forma Housing Loan Application and Health Statement Form (Medical Questionnaire) is available at Sales and Marketing Department-Acquired Assets Management Group for NCR or at any Pag-IBIG Regional Branch or downloadable from the Pag-IBIG website. For new member or member with less than the required number of monthly savings. Insurance Coverage a.7. co-borrower/s.0 M to P6. Health Statement Form (Medical Questionnaire) and Full Medical Examination Borrowers over 60 years old 9.gov. 12.pagibigfund. Marriage Contract (For all married borrower/s. Approved letter request to re-avail of a Pag-IBIG housing loan (for member/s with housing loan that was foreclosed.ph. Birth Certificate or any proof of relationship. www.0 M and for borrowers aged up to 60 years old b. the SPA must have a duly stamped notarial seal. photocopy of Pag-IBIG Fund Receipt (PFR) representing lump sum payment of monthly savings. if abroad. spouse. For OFW members. Health Statement Form (Medical Questionnaire) OFW members over 60 years old Loans over P2. cancelled. family member/s included on the computation of aggregate income) 10. bought back due to default or subjected to dacion en pago). 21 . Special Power of Attorney notarized prior to date of departure or duly certified and authenticated by the Philippine Embassy or Consulate in the country where the member is staying. Company ID Passport. 13. 4. 2. 5. issued by Philippine or Foreign Government Driver’s License Professional Regulation Commission (PRC) ID Social Security System (SSS) Card Government Service Insurance System (GSIS) e-Card Government Office and GOCC ID. 3. 12. 14. Armed Forces of the Philippines (AFP) ID 8. 6. e.g.List of Valid IDs Acceptable to the Fund 1. 9. Integrated Bar of the Philippines (IBP) ID Senior Citizen Card Overseas Workers Welfare Administration (OWWA) ID Overseas Filipino Worker (OFW) ID Seafarer’s Identification and Record Book (SIRB) Postal ID Voter’s ID 22 . 10. 11. 7. Mandaluyong City You may also send your letters directly to the concerned Pag-IBIG Branch. for housing-related concerns. E-mails E-mails may be sent to publicaffairs@pagibigfund. Forms Please accomplish the Customer Service Feedback Form (CSFF) or the Customer Complaint Form (CCF). You shall receive a confirmation message that your email has been forwarded to the concerned branch/department for appropriate reply and/or action. 409 JELP Business Solutions Bldg. addressed to the Office of the Manager.. you may raise both your provident. For NCR provident-related concerns. For those in the regions. Letters Letters may be sent to: The Member Relations Department 2/F 409 JELP Business Solutions Building. or any concern through any of the following: Servicing Counters You may visit our servicing counters stationed at NCR/Regional branches.gov.HANDLING MEMBER’S SUGGESTION/COMPLAINT To our Valued Members/Customers: Your opinion is of great importance to us. You may send us your suggestions. However.ph. 23 . please visit the Pag-IBIG Branch maintaining your records. Shaw Boulevard. You may drop the accomplished form/s at designated Suggestion Boxes upon your visit.and housing-related concerns to the branch maintaining your records. These forms are available at various counters of any PagIBIG Office. Shaw Boulevard. you may visit us at G/F. Mandaluyong City. We look forward to bringing you and all our members a more responsive service. from Monday to Friday between 8:00 am and 5:00 pm. you may also reach us at 724-4244 (Pag-IBIG). Likewise. you may also call the Marketing and Enforcement Division of the concerned branch at telephone numbers indicated under List of Branches. Rest assured that we shall carefully evaluate your concerns and shall respond to you immediately. 24 . we shall give your complaints considerable attention according to the following: Duration 3 working days Nature of Concern Simple queries (General Information) Complaints 10 working days Complex queries (Policy and loan-related queries. Pag-IBIG Hotline For your immediate concerns. queries that require coordination with other Pag-IBIG offices) Grave complaints 1 hour Pag-IBIG Hotline Queries Thank you for your continued support to the Fund. However. Cagayan. Naga City VISAYAS Iloilo Iloilo. Sagay City. Himamaylan City. Talisay City. Bacolod City. Baguio Baguio. Surigao del Sur Cagayan de Oro Misamis Oriental. Rizal. Laguna (San Pedro. Olongapo City Tuguegarao Batanes. Davao del Norte. Oriental Mindoro. Iriga City. Cabanatuan City. Tuguegarao City. Marinduque. Sta. Negros Oriental. Ifugao. Digos City. Surigao del Norte. Lanao del Sur Butuan Agusan del Norte. Nueva Ecija. Camarines Sur. Camiguin SOUTHERN LUZON Calamba Laguna (except: Cabuyao. Canlaon City. Danao City. Rosa. Biñan. Toledo City. Catanduanes. Bago City. Davao Oriental General Santos South Cotabato. Ilocos Sur. Santiago City. Quirino NORTHERN MINDANAO Zamboanga City Zamboanga del Norte. Legazpi City. Escalante City. Balanga City. Aurora Dinalupihan Western Pampanga. Iloilo City. Tawi-tawi. Sta. Sulu Pagadian Zamboanga del Sur. Danao City Bacolod San Carlos City. Northern Samar. Benguet. Bataan. Ilocos Norte. Romblon. Cadiz City. Davao del Sur Tagum Tagum City. Maguindanao. Southern Leyte.Pag-IBIG Branch Areas of Coverage NCR HOUSING OPERATIONS National Capital Region (NCR). Tanjay City Mandaue Mandaue. Roxas City. Cauayan City. Panabo City. Cavite NORTHERN LUZON La Union Abra. Aklan. Province Dagupan Pangasinan Malolos Malolos City. Angeles City. Sarangani Kidapawan City North Cotabato. Capiz. Misamis Occidental Iligan Lanao del Norte. San Jose Del Monte City San Fernando Pampanga. Dumaguete City. Bais City. Bukidnon. Zambales. Cabuyao only). Lapu-Lapu City. La Carlota City. Silay City. Passi City. Victorias City. San Jose City. Tarlac. Basilan. San Pedro) Lucena Quezon Batangas Batangas Calapan Occidental Mindoro. Kabankalan City. Sorsogon Naga Camarines Norte. Isabela. La Union. Mascate. Nueva Vizcaya. Mandaue City. Koronadal City. Mt. Western Samar. Kalinga Apayao. Antique. Eastern Samar SOUTHERN MINDANAO Davao City Davao City. Guimaras Cebu Cebu City. Compostella Valley. Zamboanga Sibugay. Biliran. Agusan del Sur. Palawan Legazpi Albay. Rosa. Bohol. Island Garden City of Samal. Palayan City. Sultan Kudarat 25 . Sipalay City Tacloban Leyte. Biñan. Iraya. Bulacan 044-7940549 loc. Tabang. Laoag City 077-7704699/7705216 BAGUIO G/F Insular Life Bldg. 1. North Centrum Bldg. Cagayan 078-8441448/8442285 loc. Justine Building 14th Floor. B. Tarlac City 045-6286025/628-6026 DINALUPIHAN NEJ Bldg. Shaw Boulevard. Zamora Street San Roque. Halang. 213 Cabanatuan Extension Office Duran Building. Camarines Norte 054-4401640 26 . 508 CALAPAN Unit 11 Filipiniana Commercial Complex Brgy. cor.634-5156/ 652-2883 Nueva Vizcaya Extension Office BAJ Bldg. Abanao Ext. Nino Calapan City. Bataan 047-4813593/481-1181 loc. Vigan City 072-6321118 Ilocos Norte Extension Office WC Bldg. Baler. Laguna 049-5451278/5451232/ 5451236 local 202 LUCENA G/F & 2/F Lucena Grand Central Terminal Bldg. 409 JELP Business Solutions Building. Tuguegarao City. Roxas Avenue (Diversion Road) Naga City 054-4723610/4731017 loc. Bldg. Dagupan City. Mabini St. Pampanga 045-8604490 loc. CAP Bldg. Calamba City. San Ramon Highway Dinalupihan.8217923/8205743/ 480-8539 loc. Faustino L. Dy & Canciller Sts.... Brgy.. Rizal Avenue. cor. Legarda Road. Guilig Street.. Baguio City 074-6191330/2710 local 201 DAGUPAN Rudel Building. Samonte St. 208 Vigan Extension Office Ground Floor. Makati City 02-6546556/69 NORTHERN LUZON LA UNION Pag-IBIG Fund Bldg. 103 Isabela Extension Office 2nd Floor. 109/ 045-455-12920/91 Tarlac Extension Office Benin Bldg. Brgy. Sto. 203 Masbate Extension Office Espinosa Apartment. Palawan 048-4335024/433-4522 LEGAZPI Hi-Tone Construction & Development Corp. Magallanes.LIST OF Pag-IBIG OFFICES AND BRANCHES NCR ACQUIRED ASSETS MANAGEMENTth Floor. Lucena City 042-7102807 BATANGAS Caedo Commercial Center National Highway Bo. Masbate City 056-3333678 NAGA Bldg. Mabini St. Oriental Mindoro 043-2867455/2881597 Puerto Princesa Extension Office Lustre Building. Bucag Bldg. Puerto Princesa City. Solano. Cabanatuan City 044-6001225/463-1692 Baler Service Desk Baler Municipal Building Poblacion. Daet. Nueva Vizcaya 078-3266113/3267811 SOUTHERN LUZON CALAMBA High Rise Business Center National Highway. Cauayan City Isabela 078. ALDP Plaza Mall. 212/201 TUGUEGARAO Ong Chong Bldg. Bitano. Florentino St. #10 D. Aurora 042-722-0000 SAN FERNANDO Suburbia Commercial Center Maimpis. City of San Fernando.Sevilla. Perez Boulevard cor. Pangasinan 075-5223865/3266 MALOLOS 2nd Floor. Legazpi City 052. 88 Del Rosario St. San Fernando City La Union 072-2425588 to 89 loc. Brgy.. 325 Daet Field Service Center Rafer Bldg. Government Center. Batangas City 043-7235939/723-5848/ 723-2082/723-6151 loc. Calicanto. Imperial St. Ilayang Dupay. Mandaluyong City l Puyat Ave.. Quezon District Maharlika Highway. Guiguinto. Lorna Laurente Bldg. Gonzales-Gimeno Bldg. Tagum City 084-2161184 GENERAL SANTOS CITY 2nd and 3rd Floors.VISAYAS ILOILO CITY F & E Bldg.R. 2104-07 032-4226000 loc. Koronadal City 083-2288125 KIDAPAWAN 3rd Floor Eva’s Mall Bldg. 111. 034-4351137 to 40 Dumaguete City loc. Mckinley Street Roxas City 036-6214165 CEBU SOUTH CEBU NORTH G/F. T. Cebu BACOLOD Dumaguete Extension Office St. the updated versions of the Citizen’s Charter may be accessed through the Pag-IBIG Fund website at www. Kidapawan City 064-5210253 Cotabato Extension Office 6th Floor.. Santiago Boulevard.. 2nd Floor.gov. 038-4125977/5018455 Talisay City. Rizal Avenue.. Emmanuel Business Center..Rizal St. 2/F & 5/F Pag-IBIG Fund 3/F & 4/F Pag-IBIG Fund WT Corporate Tower.... C.Surigao City 086-8266212 TACLOBAN Pag-IBIG Fund Bldg. Francis Center. Bukidnon 088-2214155 SOUTHERN MINDANAO DAVAO CITY Pryce Tower Condominium Pryce Business Park. J. Arellano St. Butuan City 085-3423183/225-2341 loc.. Cotabato City 064-4213120/4213332 Disclaimer The provisions in this Charter may be revised or modified in accordance with new as well as amended guidelines and procedures any time without prior notice to the members. Damasco St.. 112 & 113 035-4228199/2257713 NORTHERN MINDANAO PAGADIAN 2nd Floor DBP Building. cor.. Araneta St. Lopez Jaena St. Superdome San Pedro Street. Mindanao Avenue.ph. 27 . 18 Surigao Extension Office Ground Floor. IV. Davao City 082-2244733 TAGUM Ramos Bldg. Legaspi St. Don Rufino Alonzo St. 3201 032-4155087/4155007 Tagbilaran Extension Office Talisay Service Center Maria Clara St. Dipolog City 065-908-1178/2124542 CAGAYAN DE ORO Pag-IBIG Fund Building. Iligan City 063-2213378 BUTUAN ARUJ Building. Balangasan District Pagadian City 062-2141695/215-2716/2144959 ILIGAN Ground Floor and 2nd Floor. Cagayan de Oro City 08822-714616/726348/ 088-8561860 loc. Del Pilar Extensions Tacloban City 053-3218297/3258653 Ormoc Service Center Rm 208. Cebu City Cebu City 032-2342709 loc. Avenue. General Santos 083-5523875 Koronadal Extension Office 2nd Level Fitmart Mall of Marvel National Highway. Tagbilaran City G/F Talisay City Hall. Ormoc City 053-2555089 ZAMBOANGA CITY Pag-IBIG Fund Bldg. Zamboanga City 062-9924154 Dipolog Extension Office 3rd Floor Ello Building.pagibigfund. Mindanao WT Corporate Tower. Cotabato Yu Ekey Marketing Bldg. Bajada 8000. Cebu Business Park. Malaybalay City. Philippine National Red Cross Singcang Bacolod City Bldg. Calo Street Extension. La Cerna St. 216 Malaybalay Extension Office Tubeo Bldg. Tubod Highway. San Jose Road Baliwasan. Cebu Business Park. Molo Iloilo City 033-5084530 Kalibo Extension Office 3rd Floor Garcia Bldg. In such cases. corner Arellano and Echavez Sts. Aklan 036-2689335 Capiz Extension Office Acevedo Building. RDRDC Building. Quezon Blvd. Borja-Mortola St.. Kalibo. Benigno Aquino Avenue. Lawa-an II.