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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 HDMF 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 HDMF’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.
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VISION
MISSION
GOALS
MEMBERSHIP
1. Mandatory
All employees who are or ought to be covered by the Social Security System
(SSS), provided that actual membership in the SSS shall not be a condition
precedent to the mandatory coverage in the Fund. It shall include, but are not
limited to:
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A Filipino seafarer upon the signing of the standard contract of employment
between the seafarer and the manning agency, which together with the
foreign ship owner, acts as the employer;
An expatriate who is not more than sixty (60) years old and is compulsorily
covered by the Social Security System (SSS), regardless of citizenship,
nature and duration of employment, and the manner by which the
compensation is paid. In the absence of an explicit exemption from SSS
coverage, the said expatriate, upon assumption of office, shall be covered
by the Fund.
Uniformed members of the Armed Forces of the Philippines, the Bureau of Fire
Protection, the Bureau of Jail Management and Penology, and the Philippine
National Police;
2. Voluntary
An individual at least 18 years old but not more than 65 years old may register with
the Fund under voluntary membership. However, said individual shall be required
to comply with the set of rules and regulations for Pag-IBIG members including the
amount of contribution and schedule of payment. In addition, they shall be subject
to the eligibility requirements in the event of availment of loans and other
programs/benefits offered by the Fund.
Non-working spouses who devote full time to managing the household and family
affairs, unless they also engage in another vocation or employment which is
subject to mandatory coverage, provided the employed spouse is a registered
Pag-IBIG member and consents to the Fund membership of the non-working
spouse;
Public officials or employees who are not covered by the GSIS such as
Barangay Officials, including Barangay Chairmen, Barangay Council Members,
Chairmen of the Barangay Sangguniang Kabataan, and Barangay Secretaries
and Treasurers;
Membership with the Fund becomes official only upon remittance of the first monthly
membership contribution. Thus, membership begins only upon the said date as
evidenced by the Pag-IBIG Fund Receipt.
The contribution rate of all members, except for non-working spouses of Pag-IBIG
members, shall be as follows:
Contribution Rate
Monthly Compensation
Employee Employer (if any)
A Filipino employee working abroad and whose employer is not subject to mandatory
coverage shall contribute an amount equivalent to 2% of his/her monthly compensation.
Said employee may opt to pay the employer counterpart.
Employer shall remit two percent (2%) of the monthly compensation of the contributing
member as counterpart contribution. The employer is not entitled to deduct from the
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wages or remuneration of or, otherwise, to recover from the employee the employer's
contribution.
Notwithstanding the said contribution rates, a member may contribute more than what is
prescribed.
Formally employed members shall contribute through salary deduction. Their employers
shall have the responsibility to remit said contributions to the Fund on a monthly basis.
Other members may pay directly to the Fund or through any of its authorized collecting
agents. For those who want to contribute on a monthly basis, contributions shall be
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remitted on or before the 10 day of the following calendar month. For quarterly
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payments, remittance must be made on or before the 10 day of the first month of the
following quarter.
Membership with the Fund shall be for a term of twenty (20) years with a total of 240
monthly membership contributions or upon the occurrence of any of the following
grounds for membership termination:
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MEMBERSHIP REGISTRATION
(Simple Transaction)
Requirement:
Procedure
Person Responsible
STEP 1 Go to the nearest Pag-IBIG NCR/Regional
Branch or any extension/service office/field
service center.
Note:
If verified as registered and membership
record is updated, end of transaction. If
not, proceed to step 3.
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Person Responsible
STEP 3 For branches with On-line Membership
Registration System (You will be assisted by
an MSO III )
END OF TRANSACTION
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LIST OF VALID IDs ACCEPTABLE TO THE FUND
Your opinion is of great importance to us. You may send us your suggestions,
complaints, or any concern through any of the following:
Servicing Counters
For NCR provident-related concerns, please visit the Pag-IBIG Branch maintaining
your records. However, for housing-related concerns, you may visit us at the ground
floor of Atrium of Makati, Makati Avenue, Makati City.
For those in the regions, you may raise both your provident- and housing-related
concerns to the branch maintaining your records.
Forms
Please accomplish the Customer Service Feedback Form (CSFF) or the Customer
Complaint Form (CSF). These forms are available at various counters of any
Pag-IBIG Office. You may drop the accomplished form/s at designated
Suggestion/Complaint Boxes upon your visit.
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Letters
You may also send your letters directly to the concerned Pag-IBIG Branch,
addressed to the Office of the Manager.
E-mails
Pag-IBIG Hotline
For your immediate concerns you may also reach us at 724-4244 (Pag-IBIG), from
Monday to Friday between 8:00 am and 5:00 pm. However, 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. Likewise, we shall give your complaints considerable attention
according to the following:
Thank you for your continued support to the Fund. We look forward to bringing you
and all our members a more responsive service.
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LIST OF Pag-IBIG BRANCHES
NCR – NORTH
KAMIAS CUBAO ORTIGAS ANTIPOLO
768 Mac Douton Bldg., EDSA cor. East 145 Union Square Condominium 611 Westar Bldg. Shaw Blvd., Emraud Square Plaza
Ave., Diliman, Quezon City 15th Avenue Cubao, Quezon City Pasig City Circumferencial Road
426-9528 995-0292/387-8136 746-8784/747-3129 Antipolo City
696-6052
NCR – WEST
NCR – SOUTH
MAKATI I MAKATI II MAKATI III
1st, 2nd and 3rd Floor 317 Justine Bldg. 3rd and 4th Floor 317 Justine Bldg. 5th and 8th Floor 317 Justine Bldg.
Sen. Gil Puyat Avenue, Makati City Sen. Gil Puyat Avenue Makati City Sen. Gil Puyat Avenue Makati City
812-4731 loc. 205/813-2570 817-2637/817-4418 812-4731 loc. 804
NORTHERN LUZON
LA UNION DAGUPAN SAN FERNANDO TUGUEGARAO
Pag-IBIG Fund Bldg. Government 1st & 3rd Floors Benning Realty Suburbia Commercial Center Ong Chong Bldg.
Center. Brgy.Sevilla, Square Pantal District Arellano St Maimpis, City of San Fernando, 88 Del Rosario St.
San Fernando City La Union Dagupan City Pampanga Tuguegarao City, Cagayan
072-2421970/5589 loc. 102 & 105 075-5223865/3266 loc. 306 045-8604490 loc. 113 / 078-8441448/2285 loc. 104
Laoag Extension Office MALOLOS 045-8612684 Isabela Extension Office
WC Bldg. Brgy. #10 D. 2nd Floor, North Centrum Bldg. Tarlac Extension Office 2nd Floor, Bucag Bldg.
Samonte St. Laoag City Tabang, Guiguinto, Bulacan Benin Bldg. Zamora Street cor. Faustino L. Dy & Canciller
077-7704699 044-6903755 San Roque, Tarlac City Sts. Cauayan City Isabela
BAGUIO Cabanatuan Extension Office 045-6286025/628-6026 078-6522470/652-2883
G/F Insular Life Bldg. Abanao Ext. cor. 2nd Floor DBP Building Burgos DINALUPIHAN Nueva Vizcaya Extension
Legarda Road, Baguio City Avenue, Cabanatuan City NEJ Bldg. San Ramon Highway Office
074-6191330/2710 local 104 044-6001225/463-1692 Dinalupihan, Bataan BAJ Bldg., Mabini St. Solano,
047-4813593 loc. 204 /481-3606 Nueva Vizcaya
078-3266113/3267811
SOUTHERN LUZON
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VISAYAS
ILOILO CITY CEBU CITY MANDAUE TACLOBAN
F & E Bldg., Emmanuel Business Pag-IBIG Fund WT Corporate A.S. Fortuna St., Brgy. Bakilit, Pag-IBIG Fund Bldg. Lopez
Center, Benigno Aquino Avenue, Molo Tower, Mindanao Avenue, Cebu Mandaue City, Cebu Jaena St. cor. Del Pilar St.
Iloilo City Business Park, Cebu City 032-4226000 loc. 1201/032- Tacloban City
033-3381032 032-4155003/416-3933/415-5009 4223620 053-3259092
Kalibo Service Center loc.1300 & 1301/ Tagbilaran Extension Office Ormoc Service Center
3rd Floor Garcia Bldg., C. La Cerna St. 032-2342792/415-5003 Maria Clara St. Tagbilaran City Rm 208, 2nd Floor, Superdome
Kalibo, Aklan Dumaguete Extension Office 038-5018455 San Pedro Street, Ormoc City
036-2689335 Philippine National Red Cross BACOLOD 053-2555089
Capiz Extension Office Bldg. Legaspi St., St. Francis Center, Araneta St.
Emmanuel Arches Bldg. Dumaguete City Singcang Bacolod City
Arnaldo Boulevard, Roxas City 035-2257713 034-4351129 loc. 106 & 117
036-6214165
NORTHERN MINDANAO
ZAMBOANGA CITY PAGADIAN BUTUAN CAGAYAN DE ORO
Pag-IBIG Fund Bldg. San Jose Road 2nd Floor DBP Building, Rizal ARUJ Building, T. Calo Street Pag-IBIG Fund Building, J.R.
Baliwasan, Zamboanga City Avenue, Balangasan District Extension, Butuan City Borja St., Cagayan de Oro City
062-9910092 Pagadian City 085-3423183/225-2341 loc. 19 08822-714616/726348 loc.
Dipolog Extension Office 062-2141695/215-2716/2144959/ Surigao Extension Office 211/08822-721258
3rd Floor Ello Building, corner Arellano 214-1695 loc. 7 Ground Floor, Lorna Laurante Bukidnon Extension Office
and Echavez Sts. Dipolog City ILIGAN Bldg., Capitol Road, Tubeo Bldg., Damasco St.,
065-2124542 Ground Floor and 2nd Floor, Surigao City Malaybalay City, Bukidnon
Gonzales-Gimeno Bldg. IV, 086-8266212 088-2214155
Tubod Highway, Iligan City
063-2213378
SOUTHERN MINDANAO
DAVAO CITY TAGUM GENERAL SANTOS CITY COTABATO CITY
Pryce Tower Condominium Ramos Bldg. Arellano St. 2nd and 3rd Floors, RDRDC 6th Floor, CYM Building, Don
Pryce Business Park, Bajada Tagum City Building, Santiago Boulevard, Rufino Alonzo St.,
8000, Davao City 084-2187261/218-7652 General Santos Cotabato City
082-2275827/222-8055 083-5523566 loc. 207/083- 064-4216425
5545468 Kidapawan Service Center
Koronadal Extension Office 2nd Floor, Zepol Bldg., Alim St.,
2nd Level Firmart Mall of Marvel Kidapawan City
National Highway, 064-2885470
Koronadal City
083-2288125
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. In such cases, the updated versions of the Citizen’s Charter may be accessed through the Pag-IBIG Fund
website at www.pagibigfund.gov.ph.
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