1. What is the Pag-IBIG Savings Program?

The Pag-IBIG Savings Program is a fast, easy and affordable way for Pag-IBIG members to save for their future.
Their monthly savings, employer counterpart share (if any) and total annual dividend earnings comprise the members Total
Accumulated Savings or TAV.
2. Who should register as Pag-IBIG members?
With the signing of Republic Act 9679, membership to Pag-IBIG is mandatory for the following:
* All employees, workers, professionals, offcers and companies who are compulsorily covered by the SSS and GSIS;
* Uniformed members of the Armed Forces of the Philippines, the Bureau of Fire Protection,the Bureau of Jail Manage
ment and Penology, and the Philippine National Police;
* Overseas Filipino Workers;
* Filipinos employed by foreign-based employers, whether deployed locally or abroad
* Kasambahays
* Other working groups
Persons who are at least 18 years old but not more than 65 years old and are not subject to mandatory coverage may be
covered by the Fund on a voluntary basis, to wit:
* Unemployed spouses
* Filipino employees of foreign government or international organization or their wholly-owned instrumentality based in
the Philippines
* Employees of an employer who is granted a waiver or suspension of coverage by the Fund
* Leaders and members of religious groups
* A member separated from employment, local or abroad, or ceased to be self-employed, i.e. pensioners, investor, etc.
* Public offcials of employees who are not covered by the GSIS such as barangay offcials and workers
3. How much is the monthly savings?
The monthly savings rate for all members, except non-working spouses, are as follows:
Monthly Salary Percentage of Monthly Compensation
Employee Savings Employer Share
P1,500 and below 1% 2%
Over P1,500 2% 2%

With P5,000 as the maximum monthly compensation used in computing the employee savings,the maximum
employer counterpart share is P100, while members are encourage to save more than the minimum P100 monthly.
4. Where can members pay their monthly savings?
Employer-members can pay through any of the following online payment gateways (enrollment is required):
Union Bank of the Philippines (UBP) - Pag-IBIG Hub
Bank of the Philippines (BPI) - ExpressLink
Land Bank of the Philippines wePayAcces
Available soon:
Banknet- Pag-IBIG Net
Security Bank Pag-IBIG RealTime
Self-paying members can remit their monthly savings at the following:
Bayad Center outlets (with convenience fee of P7.00)
SM Business Centers (with convenience fee of P5.00)
Globe GCash (with convenience fee of P5.00)
Online using VISA and and MasterCard Credit Cards (convenience fee of 3.6% of the amount to be paid; e.g. P1,000 = P36.00)
For other details, visit the Pag-IBIG Fund website at www.pagibigfund.gov.ph and click Payments Made Easy.
5. What are the features of the Savings Program?
All savings are government-guaranteed
Tax free annual dividend earnings
With the employer counterpart share, members monthly savings is immediately doubled
Portability of savings members who transfer employers, from government to the private sector and vise-versa, carry their
Fund membership and may continue it at any time.
6. What are the benefts of Pag-IBIG membership?
Pag-IBIG members enjoy the following benefts
* Annual dividend earnings, tax-free
* Access to Short-Term Loan Programs
* Access to Housing Loan Program
7. When can a member withdraw his/her total savings from Pag-IBIG?
A member may withdraw his/her total Pag-IBIG savings (provident benefts claim) upon occurrence of any of the following:
* Membership maturity after 20 years of continuous membership. The member must have remitted at least
240 monthly membership contributions with the Fund.
* Members who registered in 2010, under RS 9679 has the option to withdraw their savings after 15 years
of continuous membership.
* Retirement. The member shall be compulsorily retired upon reaching age 65. He may however, opt to retire
upon the occurrence of any of the following:
Actual retirement from the SSS, the GSIS or a separate employer provident/retirement plan, provided the
member is least 45 years
Upon reaching age 60.
* Permanent and Total Disability or Insanity.
* Separation from the service due to health reason
* Permanent departure from the country
* Upon death of the member, where his legal heirs shall receive his TAV plus an additional Death Beneft Grant
equivalent to this TAV or P6,000, whichever is lower.
8. Where to fle for provident benefts claim and what are the basic requirements?
A member who is eligible to apply for provident benefts claim may fle the application at the Pag-IBIG branch servicing
his/her account, and bring with him/her the following:
* Duly accomplished Application for Provident Benefts (APB) Claim (Downloadable from the website
(www.pagibigfund.gov.ph)
* Two (2) valid IDs
* Updated Service Record (For government employees)
* Special Power of Attorney and two (2) valid IDs each of the Principal and Attorney-in-Fact
(If member cannot claim personally)
* Other requirements, depending on the reason for withdrawal of total savings
(check website for complete checklist of requirement)
Contents last updated on August 2014.