The employee and employer contribution rates were reduced. PD 1752 made Pag-IBIG membership mandatory for all SSS and GSIS member-employees. which was one of the operating agencies of the then Ministry of Human Settlements. On 1 August 1986. 1 January 1987 marked the return of the Pag-IBIG Fund to a voluntary program under Executive Order No. 1530 primarily to address these two basic yet equally important needs. while the Government Service Insurance System (GSIS) shall administer the funds of government employees. merging the funds for private and government personnel into what is now 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. Bangko. more popularly known as the Pag-IBIG Fund. it was only on 14 December 1980 when Pag-IBIG was made independent from the NHMFC with the signing of PD 1752.000. After eight years as a voluntary fund. Executive Order No. the Pag-IBIG Fund continues to be a strong partner in realizing Filipino workers’ dreams. However. 90. Pag-IBIG contributions were suspended from May to July 1986. 2 . 9679 or the Home Development Mutual Fund Law of 2009 on 21 July 2009. Under the said law. Industriya at Gobyerno. former President Aquino directed the resumption of Pag-IBIG membership under Executive Order No. Aquino assumed leadership of the country. including Filipinos employed by foreign-based employers. Seeing the need to further strengthen the stability and viability of the two funds. Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw. and addressed the immediate financial as well as housing needs of its members. 538 was issued on 4 June 1979. 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 the Maximum Fund Salary was raised from P3. Filipino workers will enjoy the benefits that are available only to Pag-IBIG members. To this day. Pag-IBIG membership reverted to mandatory on 17 June 1994 when President Fidel V. The Fund was established on 11 June 1978 by virtue of Presidential Decree No. Less than a year after on 1 March 1979. President Gloria Macapagal-Arroyo signed into law Republic Act No. the Fund’s rule-making power was vested in its own Board of Trustees.000 to P5. Months after former President Corazon C. 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. Now more than ever. Executive Order No. 35. More than a decade after RA 7742 was implemented. The new law became effective on 1 January 1995. which is recognized as the HDMF Charter. The order directed transferring the administration of the Fund to the National Home Mortgage Finance Corporation (NHMFC). the Social Security System (SSS) shall administer the funds of private employees.CREATION OF Pag-IBIG Fund The birth of Home Development Mutual Fund (HDMF). Recognizing HDMF’s contributions and the need to further strengthen its capability as the biggest source of housing finance in the country to date. Ramos signed Republic Act 7742. 527 was signed. and making Pag-IBIG membership mandatory for all. Membership was still on a mandatory basis but under more liberal terms. With the improved law in effect. Likewise.

governess. MISSION To uplift the quality of life of the members through savings. provided that actual membership in the SSS shall not be a condition precedent to the mandatory coverage in the Fund. temporary. MEMBERSHIP Who are eligible to apply for membership? Membership with the Fund may either be: 1. with contributory support of the employers. whether permanent.VISION To be the premier and globally competitive provident financial institution. but are not limited to:  A private employee.00 a month. It shall include. Mandatory  All employees who are or ought to be covered by the Social Security System (SSS). or provisional who is not over sixty (60) years old.  A household helper earning at least P1. 3 . To provide affordable housing finance to the Fund’s members to enable them to meet their housing needs. GOALS 1. cook. and other similar occupations. A household helper is any person who renders domestic services exclusively to a household such as a driver.000. through an integrated nationwide provident savings system. To motivate the employed and other earning groups to save. 2. gardener.

 An expatriate who is not more than sixty (60) years old and is compulsorily covered by the Social Security System (SSS). upon assumption of office. 4 . they shall be subject to the eligibility requirements in the event of availment of loans and other programs/benefits offered by the Fund.  A self-employed person regardless of trade. An expatriate shall refer to a citizen of another country who is living and working in the Philippines. acts as the employer.  Filipinos employed by foreign-based employers.000. and the manner by which the compensation is paid. in the absence of an administrative agreement with the Fund.00 a month and not over sixty (60) years old. shall be covered by the Fund.  Filipino employees of foreign government or international organization. the Bureau of Fire Protection.  Uniformed members of the Armed Forces of the Philippines. In the absence of an explicit exemption from SSS coverage. 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. with an income of at least P1. regardless of their status of appointment. nature and duration of employment. unless they also engage in another vocation or employment which is subject to mandatory coverage. A Filipino seafarer upon the signing of the standard contract of employment between the seafarer and the manning agency. whether they are deployed here or abroad or a combination thereof. provided the employed spouse is a registered Pag-IBIG member and consents to the Fund membership of the non-working spouse. the Bureau of Jail Management and Penology. business or occupation. which together with the foreign ship owner. regardless of citizenship. However. including members of the judiciary and constitutional commissions. and the Philippine National Police. 2. the said expatriate. In addition. or their wholly-owned instrumentality based in the Philippines. Voluntary An individual at least 18 years old but not more than 65 years old may register with the Fund under voluntary membership. The following shall be allowed to apply for voluntary membership:  Non-working spouses who devote full time to managing the household and family affairs.  All employees who are subject to mandatory coverage by the Government Service Insurance System (GSIS).

 A member separated from employment. Thus. or any other individual with passive income or allowances. Employer shall remit two percent (2%) of the monthly compensation of the contributing member as counterpart contribution. Barangay Council Members. Employees of an employer who is granted a waiver or suspension of coverage by the Fund under RA 9679.00 1. including Barangay Chairmen. When does membership with the Fund begin? Membership with the Fund becomes official only upon remittance of the first monthly membership contribution.0% 2.  Public officials or employees who are not covered by the GSIS such as Barangay Officials.0% 2.500. The maximum monthly compensation to be used in computing the employee and employer contributions shall not be more than five thousand pesos (P5. except for non-working spouses of Pag-IBIG members. or ceased to be selfemployed but would like to continue paying his/her personal contribution. membership begins only upon the said date as evidenced by the Pag-IBIG Fund Receipt. shall be as follows: Contribution Rate Employee P1. Chairmen of the Barangay Sangguniang Kabataan. How much should a member contribute? The contribution rate of all members. The employer is not entitled to deduct from the 5 .500. investor. Said employee may opt to pay the employer counterpart.  Leaders and members of religious groups. local or abroad.0% Monthly Compensation 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.0% Employer (if any) 2. Such member may be a pensioner.000.00).  Such other earning individuals/groups as may be determined by the Board by rules and regulations.00 and below Over P1. and Barangay Secretaries and Treasurers.

and Other causes as may be provided for by the Board of Trustees.0% Notwithstanding the said contribution rates. What happens to the membership of POP members? Pag-IBIG Overseas Program (POP) members shall now be mandatorily-covered under Pag-IBIG I. For how long does one remain a Pag-IBIG I member? 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:        Membership Term Maturity. How will contributions be remitted to the Fund? Formally employed members shall contribute through salary deduction.0% 2. A non-working spouse of a Pag-IBIG member shall contribute as follows: Fifty Percent (50%) of Working Spouse’s Monthly Compensation P1. their contributions for Pag-IBIG I shall take precedence over those for POP.500 Contribution Rate 1. contributions shall be th remitted on or before the 10 day of the following calendar month. to recover from the employee the employer's contribution. Termination from the service by reason of health.500 and below Over P1. 6 . They may also opt to continue contributing for their POP membership. Their employers shall have the responsibility to remit said contributions to the Fund on a monthly basis. Permanent Total Disability or Insanity. However. For those who want to contribute on a monthly basis. Death. Permanent departure from the country. remittance must be made on or before the 10 day of the first month of the following quarter. For quarterly th payments. Other members may pay directly to the Fund or through any of its authorized collecting agents. a member may contribute more than what is prescribed. otherwise. They shall remit in accordance with the rates herein prescribed.wages or remuneration of or. in such cases. Retirement.

proceed to the Marketing and Enforcement Division servicing counter. Note: If verified as registered and membership record is updated. end of transaction.5:00 p.MEMBERSHIP REGISTRATION (Simple Transaction) Schedule of Receipt of Application Monday to Friday. Members Services Officer (MSO) III Person Responsible STEP 1 STEP 2 5 Minutes 7 .  For NCR/Regional Branch. For extension/service office/field service center. . (No Lunch Break) Processing Time: 40-45 minutes Processing Fee: None Requirement: One (1) valid ID (Refer to page 9) Procedure  Go to the nearest Pag-IBIG NCR/Regional Branch or any extension/service office/field service center.m. 8:00 a.  Present one (1) valid ID (refer to page 9) for verification purposes.m. If not. proceed to step 3.  Inquire on how to register. proceed to the information counter.

END OF TRANSACTION 8 . with For branches and extension/service office/ field service center where on-line membership registration system is not available. Person Responsible Members Services Officer (MSO) III STEP 4 10 Minutes For branches with Registration System On-line Membership  Get system-generated MDF Registration Tracking Number (RTN).STEP 3 For branches with On-line Membership Registration System (You will be assisted by an MSO III )  Go to the designated computer.  Read the Terms and Conditions.  Secure Member’s Data Form (MDF.  Click the “Accept” button to proceed with the registration.  Submit duly accomplished MDF (2 copies).  Encode required information/update membership record.  Get acknowledged copy of the MDF (copy 2). 2 copies). For branches and extension/service office/ field service center where on-line membership registration system is not available.  Accomplish MDF.

 Forms Please accomplish the Customer Service Feedback Form (CSFF) or the Customer Complaint Form (CSF).LIST OF VALID IDs ACCEPTABLE TO THE FUND 1. please visit the Pag-IBIG Branch maintaining your records.and housing-related concerns to the branch maintaining your records. complaints. You may drop the accomplished form/s at designated Suggestion/Complaint Boxes upon your visit. However. 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 HANDLING MEMBER’S SUGGESTION/COMPLAINT To our Valued Members/Customers: Your opinion is of great importance to us. Makati City. 9.g. 6. 14. 7. For NCR provident-related concerns. you may raise both your provident. For those in the regions. 3. 9 . These forms are available at various counters of any Pag-IBIG Office. Company ID Passport. 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 e. 10. you may visit us at the ground floor of Atrium of Makati. Makati Avenue. 11. 12. Armed Forces of the Philippines (AFP) ID 8. 4. for housing-related concerns. 2. 5. or any concern through any of the following:  Servicing Counters You may visit our servicing counters stationed at NCR/Regional branches. You may send us your suggestions. 13.

 Letters Letters may be sent to: The Member Relations Department Rm 603. However. Makati City You may also send your letters directly to the concerned Pag-IBIG Branch. 6/F The Atrium of Makati Makati Avenue. Rest assured that we shall carefully evaluate your concerns and shall respond to you immediately.  Pag-IBIG Hotline For your immediate concerns you may also reach us at 724-4244 (Pag-IBIG).  E-mails E-mails may be sent to publicaffairs@pagibigfund. we shall give your complaints considerable attention according to the following: Duration 3 working days Nature of Concern  Simple queries (General Information)  Complaints  Complex queries (Policy and Loan-related queries. Likewise. We look forward to bringing you and all our members a more responsive service. addressed to the Office of the Manager. 10 . you may also call the Marketing and Enforcement Division of the concerned branch at telephone numbers indicated under List of You shall receive a confirmation message that your email has been forwarded to the concerned branch/department for appropriate reply and/or action. from Monday to Friday between 8:00 am and 5:00 pm. queries that require coordination with other Pag-IBIG offices)  Grave complaints  Pag-IBIG Hotline Queries 10 working days 1 hour Thank you for your continued support to the

Bucag Bldg. 102 & 105 Laoag Extension Office WC Bldg. Tabuco Naga City 054-4735232 to 34/4738098 to 99/4723610/4731017 loc. Calicanto. Calamba City 049-5451278/5451232/ 5451236 local 112 LUCENA 2nd Floor. Imperial St. 355 EDSA corner Gen. EDSA cor.. Malate. East Ave. Pampanga 045-8604490 loc. Cauayan City Isabela 078-6522470/652-2883 Nueva Vizcaya Extension Office BAJ Bldg. #10 D. Tuguegarao City. Brgy. Inc. Diliman. 205/813-2570 MAKATI II 3rd and 4th Floor 317 Justine Bldg. Catanduanes NAGA 3rd Floor Annelle Bldg. B. 506 CALAPAN Unit 11 Filipiniana Commercial Complex Brgy. Tirona St. Espinosa Apartment Mabini St. Virac. Masbate City 056-3333678 Catanduanes Field Service Center Provincial Govt. Legarda Road. Government Center. Quezon City 995-0292/387-8136 ORTIGAS 611 Westar Bldg. 306 MALOLOS 2nd Floor. Tabang. Solano. 316 Daet Field Service Center Rafer Bldg. Emilio Aguinaldo Highway Imus. 108 Masbate Field Service Center Door No. Nino Calapan City. cor.Sevilla. Oriental Mindoro 043-2867455 Puerto Princesa Extension Office Lustre Building. cor. North Centrum Bldg. 2. San Fernando City La Union 072-2421970/5589 loc. Iraya. Sen.LIST OF Pag-IBIG BRANCHES NCR – NORTH KAMIAS 768 Mac Douton Bldg. Baguio City 074-6191330/2710 local 104 DAGUPAN 1st & 3rd Floors Benning Realty Square Pantal District Arellano St Dagupan City 075-5223865/3266 loc. Tarlac City 045-6286025/628-6026 DINALUPIHAN NEJ Bldg. Magallanes. cor. Palawan 048-4335024 LEGAZPI Hi-Tone Construction & Development Corp. City of San Fernando. Cabanatuan City 044-6001225/463-1692 SAN FERNANDO Suburbia Commercial Center Maimpis. 804 NORTHERN LUZON LA UNION Pag-IBIG Fund Bldg. Faustino L. Puerto Princesa City. Burgos Ave. Shaw Blvd. Dy & Canciller Sts. Halang. 88 Del Rosario St. Sen. Gil Puyat Avenue Makati City 812-4731 loc. Makati City 812-4731 loc. 104 Isabela Extension Office 2nd Floor. Manila 527-6729/384-4396 CALOOCAN Puritan Philippines. Zamora Street San Roque. Batangas City 043-7235939/723-5848/ 723-2082/723-6151 loc. Gil Puyat Avenue Makati City 817-2637/817-4418 MAKATI III 5th and 8th Floor 317 Justine Bldg.. Caloocan City 367-7601 NCR – SOUTH MAKATI I 1st. Samonte St.. Nueva Vizcaya 078-3266113/3267811 SOUTHERN LUZON CALAMBA High Rise Business Center National Highway. Laoag City 077-7704699 BAGUIO G/F Insular Life Bldg. Quezon City 426-9528 CUBAO 145 Union Square Condominium 15th Avenue Cubao. Bataan 047-4813593 loc. Daet. (PPI) Bldg.. 204 /481-3606 TUGUEGARAO Ong Chong Bldg. Singalong Sts.. Bitano. 303 & 305 PASAY Marvin Terraces Condominium 980 Vito Cruz cor. 113 / 045-8612684 Tarlac Extension Office Benin Bldg... Sen. San Ramon Highway Dinalupihan. Camarines Norte 054-4401640 11 . Dr. Manila 400-2164/526-7964 MANILA Park n Ride Bldg. Sto. Cagayan 078-8441448/2285 loc. Cavite 046-4719013 loc. P. of Catanduanes Capitol Building. Guiguinto. Ilayang Dupay. Basa Streets Ermita. Gil Puyat Avenue. Lucena City 042-7102869 BATANGAS CITY Caedo Commercial Center National Highway Bo. Pasig City 746-8784/747-3129 ANTIPOLO Emraud Square Plaza Circumferencial Road Antipolo City 696-6052 NCR – WEST IMUS KM 20 Olma Bldg. Lucena Grand Terminal Bldg. Abanao Ext. Legazpi City 052-4808867/480-8539 loc. 2nd and 3rd Floor 317 Justine Bldg. Brgy. Brgy. Bldg. Mabini St. Rizal Avenue. Bulacan 044-6903755 Cabanatuan Extension Office 2nd Floor DBP Building Burgos Avenue.

Malaybalay City. Singcang Bacolod City 034-4351129 loc. Surigao City 086-8266212 CAGAYAN DE ORO Pag-IBIG Fund Building. Kidapawan City 064-2885470 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.. Arellano St. C. Ormoc City 053-2555089 NORTHERN MINDANAO ZAMBOANGA CITY Pag-IBIG Fund Bldg.VISAYAS ILOILO CITY F & E Bldg. Lorna Laurante Bldg. Legaspi St. Bukidnon 088-2214155 SOUTHERN MINDANAO DAVAO CITY Pryce Tower Condominium Pryce Business Park.S. Balangasan District Pagadian City 062-2141695/215-2716/2144959/ 214-1695 loc. cor. Borja St. Bakilit. Dipolog City 065-2124542 PAGADIAN 2nd Floor DBP Building. Aklan 036-2689335 Capiz Extension Office Emmanuel Arches Bldg. RDRDC Building. Gonzales-Gimeno Bldg. J.1300 & 1301/ 032-2342792/415-5003 Dumaguete Extension Office Philippine National Red Cross Bldg. Fortuna St. Brgy. 7 ILIGAN Ground Floor and 2nd Floor. General Santos 083-5523566 loc. 1201/0324223620 Tagbilaran Extension Office Maria Clara St. Arnaldo Boulevard. San Jose Road Baliwasan.. Roxas City 036-6214165 CEBU CITY Pag-IBIG Fund WT Corporate Tower. Koronadal City 083-2288125 COTABATO CITY 6th Floor. Santiago Boulevard. Tagum City 084-2187261/218-7652 GENERAL SANTOS CITY 2nd and 3rd Floors. Don Rufino Alonzo St. IV. the updated versions of the Citizen’s Charter may be accessed through the Pag-IBIG Fund website at www... Araneta St. 12 . 19 Surigao Extension Office Ground Floor. Cebu 032-4226000 loc. Davao City 082-2275827/222-8055 TAGUM Ramos Bldg. 106 & 117 TACLOBAN Pag-IBIG Fund Bldg. Bajada 8000. In such cases. 207/0835545468 Koronadal Extension Office 2nd Level Firmart Mall of Marvel National Highway. Kalibo.. Damasco St. Tacloban City 053-3259092 Ormoc Service Center Rm 208. Zepol Bldg. 211/08822-721258 Bukidnon Extension Office Tubeo Bldg. La Cerna St. Cebu Business Park. Del Pilar St. Iligan City 063-2213378 BUTUAN ARUJ Building. Cagayan de Oro City 08822-714616/726348 loc. Tagbilaran City 038-5018455 BACOLOD St. Tubod Highway. Benigno Aquino Avenue.. Cebu City 032-4155003/416-3933/415-5009 loc. Zamboanga City 062-9910092 Dipolog Extension Office 3rd Floor Ello Building. Calo Street Extension. Dumaguete City 035-2257713 MANDAUE A.. Alim St. Superdome San Pedro Street. Francis Center.R. Capitol Road. Mindanao Avenue. CYM Building. Mandaue City. Butuan City 085-3423183/225-2341 loc. corner Arellano and Echavez Sts. Cotabato City 064-4216425 Kidapawan Service Center 2nd Floor. 2nd Floor.pagibigfund. Molo Iloilo City 033-3381032 Kalibo Service Center 3rd Floor Garcia Bldg.. Emmanuel Business Rizal Avenue. Lopez Jaena St.