Pag-IBIG Calamity Loan

Frequently Asked Questions

Pag-IBIG Calamity Loan - FAQ

The Pag-IBIG Calamity Loan Program is loan fund offered by the Pag-IBIG Office to provide immediate financial aid to affected members in a calamity-stricken area. The president of the Philippines or the local government office must declare an area under a state of calamity. Please be reminded that we are not the Pag-IBIG Office, and any further questions must be addressed to your respective offices.

Pag-IBIG Dumaguete

Pag-IBIG Calamity Loan – Frequently Asked Questions (FAQ)

One must be an actively contributing member residing in an area declared by the Office of the President or the Local Sanggunian under a state of calamity, with at least twenty-four (24) monthly membership savings (MS) and sufficient proof of income to qualify. If you have an existing Pag-IBIG Fund Housing Loan, MPL and/or Calamity Loan, your payments must be updated for you to qualify.

Qualified members may borrow up to 80% of their total Pag-IBIG Regular Savings, which consist of their monthly contributions, their employer’s contributions, and accumulated dividends earned. If you have an outstanding Multi-Purpose and/or Calamity Loan, the amount of loan you will receive shall be the difference between the 80% of your total Pag-IBIG Regular Savings and the outstanding balance of your loan/s.

The Calamity Loan carries the lowest interest rate in the market of 5.95 5 percent per annum. However, this may change depending on the Pag-IBIG Office. Please be up to date and check their official website.

The loan is payable within 24 months and comes with the initial payment due on the 3rd month after the loan release. Formally employed members shall pay their loan amortization through a salary deduction arrangement with their employer. Self-employed individuals, Overseas Filipino Workers (OFWs), and all other individual payors may their amortization at any of our Pag-IBIG Fund branches.

Eligible borrowers must avail of the Calamity Loan within a period of 90 days or about three months from the declaration of a state of calamity.

Step 1. Fill out the application form and save as a PDF.
Step 2. Send the required documents to your HR, authorized company representative or fund coordinator.

To learn more, watch the Pag-IBIG Calamity Loan video below.

We are NOT the Pag-IBIG Office. For More Information and Inquires please contact Pag-IBIG Dumaguete (or your respective Pag-IBIG Office)

EROS Building
Dr. V.Locsin Street, corner Real Street
Dumaguete City ,Negros Oriental, 6200
Land Line: (035) 225 7713

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