PAG-IBIG Housing Loan Process: 1. Loan Counselling. This is the Loan orientation usually conducted at any PAG-IBIG offices.

2. Fill Up The Following Forms. Preliminary Counselling Questionnaire Membership Status Verification Slip (MSVS) Housing Loan Application (HLA) These forms will help the PAG-IBIG officers qualify your eligibility for a loan. If you are qualified, you will be given a COR or a Checklist of Requirements. ( FAQ: HOUSING LOAN REQUIREMENT ) 3. Complete Housing Loan Application (HLA) And Submit Requirements. Submit your completed HLA and other required documents, and pay a processing fee of P1,000. (The processing fee is non-refundable, whether your loan gets approv ed or denied) 4. Wait for The Notice of Loan Approval or Letter of Guaranty. Once your loan is approved, you will be asked to sign the loan documents at the PAG-IBIG office. 5. Proceed to the Bureau of Internal Revenue, Registry of Deeds, City Engineerin g Office, and Assessor s Office. Present the Deed of Sale to BIR and submit other necessary documents: Tax Declaration Tax Reciept Documentary Tax Stamps and Capital Gains Certificate Authorizing Registration (CAR) Put an annotation of the Land Title Mortgage on the Registry of Deeds, pay trans fer tax and registration fees for the transfer of title. Secure an occupancy permit from the city s Engineering Office. Secure a tax declaration at the Assessor s Office for use as a basis for your real property taxes. 6. Go back to PAG-IBIG office and present the following documents cited below. Original Transfer Certificate of Title (TCT) in the name of the housing loan app licant with mortgage annotation on it. Deed of Absolute Sale (DOAS) with original stamp from the Registry of Deeds New Tax Declaration Updated Real Estate Tax Receipt Occupancy Permit from the Engineering office where the property you re purchasing is located. Assignment of Loan Proceeds 7. Recieve Loan Proceeds from PAG-IBIG so you can pay the seller of the property