Citizens Charter 2020 - Edition 2.1

Pag-IBIG Fund
CITIZEN’S CHARTER
2020 (Edition 2.1)
In compliance with the provisions of R.A. 11032, otherwise known as the

“Ease of Doing Business and Efficient Government Service Delivery Act of 2018”
Pag-IBIG Fund
CITIZEN’S CHARTER
2020 (Edition 2.1)
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I. Mandate
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.
II. Vision
For every Filipino worker to save with Pag-IBIG Fund and to have decent shelter.
III. Mission
To generate more savings from more Filipino workers, to administer a sustainable Fund with
integrity, sound financial principles, and with social responsibility, and to provide accesible funds
for housing of every member.
IV. Service Pledge
To improve the quality of life of every Filipino, we in the Pag-IBIG Fund, commit to provide
member-focused quality service, through enchancement of the provident savings and
home financing system.
To sustain quality service, we shall:
• Pursue the highest standard to improve the effectiveness and efficiency of our quality
management system;
• Develop and enhance services that are responsive to the growing needs of members and
relevant interested parties;
• Maintain a productive work environment that promotes employees’ expertise, engagement,

team work, and wellness; and
• Uphold transparency and accountability.
“Lingkod Pag-IBIG: Tapat na Serbisyo, Mula sa Puso”
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V. List of Services
Member Services (External Services) 4
• Application for Provident Benefits Claim 5

• Apply for Refund of Excess/Over Payment of Short-Term Loan (STL) 22
Amortization
• Availment of Short-Term Loan (STL) through Check (Complex) 26
• Availment of Short-Term Loan (STL) through Check (Highly Technical) 38
• Availment of Short-Term Loan (STL) through Disbursement Card (Complex) 50
• Availment of Short-Term Loan (STL) through Disbursement Card 62
(Highly Technical)
• Availment of Short-Term Loan (STL) through PACSVAL (Complex) 74
• Availment of Short-Term Loan (STL) through PACSVAL (Highly Technical) 86
• Employer Registration 98
• Enroll for Modified Pag-IBIG II (MP2) Account (Over-the-Counter) 100
• Enroll for Modified Pag-IBIG II (MP2) Account (Salary Deduction) 103
• Issuance of Disbursement Card to Qualified Member-Applicant 106
• Issuance of Pag-IBIG Loyalty Card Plus 109
• Issuance of Payment Order Form (POF) and Acceptance of Remittance for 112
Member Savings (MS)/payment of Loan Amortization and Other Accounts
Due to the Fund through Over-the-Counter (OTC) (Member Services)
• Process Enrollment of Employer to the Electronic Submission of Remittance 117
Schedule (eSRS) Facility
• Membership Registration at the Branch (Employee-Assisted) 120
• Membership Registration thru Submission of MDF 123
• Request for Accreditation of Fund Coordinator (FC) 126
• Request for Certificate of Full Payment 129
• Request for Certificate of No Short-Term Loan (STL) Availment 132
• Request for Computation of Total Provident Obligation of 135
Unregistered/Delinquent Employers (More than 3 months in arrears)
• Request for Computation of Total Provident Obligation of 137
Unregistered/Delinquent Employers (Unregistered Employers with
up to 3 months in arrears)
• Request for Issuance of Certificate of Employer’s Registration (COER) 139
• Request for Issuance of Pag-IBIG Clearance Certificate 142
• Request for Member’s Statement of Accumulated Value (MSAV) 145
• Request for Merging/Consolidation of Member’s Record 147
• Request for Multi-Purpose Loan (MPL)/Calamity Loan Balance 150
• Request for Reprinting of Certificate of Employer’s Registration (COER) 152
• Request for System-Generated Members Data Form (MDF) 155
• Request for Updating of Employer’s Record 157
• Request for Updating of Member’s Record 161
VI. Feedback and Complaints 169
VII. List of Offices 176
VIII. Services with Virtual Processes under the New Normal 190
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MEMBER SERVICES
EXTERNAL SERVICES
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1. Application
23. for Provident
Application for ProvidentBenefits
BenefitsClaim
Claim
The application for provident benefits claim entitles members to withdraw their Total Accumulated
Value (TAV) anytime upon the occurrence of any of the following grounds for termination of Fund
membership as provided under RA 9679 or the HDMF Law of 2009, and its IRR:
 Membership Maturity
 Retirement
 Permanent Total Disability or Insanity
 Critical Illness of the member or any of his immediate family member, as certified by a licensed
physician
 Termination from service by reason of health
 Permanent departure from country
 Death
 Any other reason as may be approved by the Board
This service shall start from the submission of claim application up to release of claim proceeds to
member/claimant.
▪ Member Services II - Frontline Servicing - Pag-IBIG Fund Branch

▪ Technical and Administrative Support (TAS)
 Members Contribution Accounting Division (MCAD)
Office or Division:
 Short Term Loan Accounting Division (STLAD)
 Cash and Administrative Support Division (CASD)
 General Accounting and Budget Management Division (GABMD)
Classification: Highly Technical Transaction
Type of
G2C – Government to Client
Transaction:
The application for provident benefits claim may be availed by the member or his
beneficiary upon the occurrence of the following:
 Membership Maturity – shall be based on 20 years of membership with the Fund

reckoned from the initial Pag-IBIG Fund Receipt (PFR) date, provided, the member
has remitted a total of 240 monthly membership savings to the Fund at the time of
maturity.
 Retirement – a member shall be compulsorily retired with the Fund upon reaching
the age of 65. A member may opt to retire earlier under the Fund upon the
occurrence of any of the following, provided the member is a housing loan
borrower:
a. Actual retirement from the SSS, GSIS, or from the government service by
Who may avail:
provision of law;
b. Retirement under private employer’s provident/retirement plan, provided that the
member is at least 45 years of age at the time of retirement;
c. Reaching the age of sixty (60).
 Permanent Total Disability (PTD) or Insanity – PTD refers to the loss or impairment
of a physical or mental function resulting from injury or sickness, which
incapacitates said member to perform any work or engage in any business or
occupation;
 Critical illness of the member or any of his immediate family member, as certified
by a licensed physician under one of the following categories, subject to the
approval of the Deputy Chief Executive Officer - Member Services Cluster:
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a. Cancer
b. Organ Failure
c. Heart-related Illness
d. Stroke
e. Neuromuscular-related illness
 Termination from Service by Reason of Health - a member can no longer render
service to an employer due to severe health conditions, as certified by his doctor.
 Death
 Permanent Departure from the Country - a member has been permitted by his host
country to remain there indefinitely or has permanently left the Philippines to reside
to another country;
 Optional Withdrawal of Pag-IBIG Savings - members of the Fund after the
effectivity of R.A. 9679 shall have the option to withdraw his or her TAV on the
fifteenth (15th) year of continuous membership. Provided the said member has no
outstanding loan with the Fund at the time of withdrawal. This option may be
exercised only once during the membership term.
 Any other reason as may be approved by the Board.
CHECKLIST OF REQUIREMENTS WHERE TO SECURE

MEMBER/CLAIMANT
Membership Maturity
1. Application for Provident Benefits (APB) Pag-IBIG Fund Branch or Pag-IBIG Website
Claim (HQP-PFF-285) (1 Original) (www.pagibigfund.gov.ph)
2. Pag-IBIG Loyalty Card Plus or any valid ID of Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
the member (1 Photocopy) LGU, OWWA, POEA, MARINA, Post Office,
COMELEC, PhilHealth, NBI, Local Police Station, BOI,
Barangay, NCWPD, or DSWD
Retirement
Compulsory Retirement
Claim (1 Original) (www.pagibigfund.gov.ph)
2. Pag-IBIG Loyalty Card Plus or one (1) valid Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
ID of the member (1 Original, 1 Photocopy) LGU, OWWA, POEA, MARINA, Post Office,
3. Order of Retirement (For Members under AFP, PNP, BJMP, BFP

AFP, PNP, BJMP, BFP) (1 Original), as
applicable
4. Statement of Services (For Member of AFP) AFP

(1 Photocopy), as applicable
5. Service Record (For Members under PNP, PNP, BJMP, BFP

BJMP, BFP) (1 Photocopy)
Permanent Total Disability (PTD) or Insanity
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3. Physician’s Certificate/Statement (With Medical Clinic/Hospital

Clinical or Medical Abstract) (1 Original)
Critical illness of the member or any of his

immediate family member
3. Marriage Certificate issued by Philippine PSA or LCRO

Statistics Authority (PSA) or Local Civil
Registry Office (LCRO) and Advisory on
Marriage (If the immediate family member is
the spouse) (1 Original)
4. Birth Certificate issued by PSA or Baptismal PSA

Certificate (1 Original)
5. Non-availability of Birth Record issued by PSA

PSA and Joint Affidavit of Two Disinterested
Persons (HQP-PFF-029) (1 Original,
Notarized)

Termination from Service by Reason of

Health

Death
Death Claim - Married with Children

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3. Death Certificate of Member issued by PSA PSA or LCRO

or LCRO (1 Photocopy)
4. Proof of Surviving Legal Heirs (HQP-PFF- Pag-IBIG Fund Branch or Pag-IBIG Website
030) (1 Original) (www.pagibigfund.gov.ph)
5. Marriage Certificate issued by PSA or LCRO PSA or LCRO

and Advisory on Marriage (If the immediate
family member is the spouse) (1 Original)
6. Birth Certificate issued by PSA or Baptismal PSA or LCRO

7. Affidavit of Guardianship (HQP-PFF-028) (if Pag-IBIG Fund Branch or Pag-IBIG Website

with child/children below 18 years old, or if (www.pagibigfund.gov.ph)
child/children is/are physically mentally
incompetent) (1 Original)
8. To establish kinship with the deceased

member, the claimant shall submit any of the
following:
 Birth Certificate issued by PSA or PSA

Baptismal Certificate (1 Photocopy); or
 Non-Availability of Birth Record issued by PSA and Pag-IBIG Fund Branch or Pag-IBIG Website
PSA and Joint Affidavit of Two (www.pagibigfund.gov.ph)
Disinterested Person (HQP-PFF-029,
notarized)
Death Claim - Married (without Child/Children

but with Surviving Parent/s)

030) (1 Original, Notarized) (www.pagibigfund.gov.ph)
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and Advisory on Marriage (If the immediate

following:
 Birth Certificate issued by PSA or PSA of LCRO

 Non-Availability of Birth Record issued by
PSA and Joint Affidavit of Two PSA and Pag-IBIG Fund Branch or Pag-IBIG Website
Disinterested Persons (HQP-PFF-029, (www.pagibigfund.gov.ph)
notarized) (1 Photocopy)
Death Claim - Single with Child/Children

1. Application for Provident Benefits Claim Pag-IBIG Fund Branch or Pag-IBIG Website
(1 Original) (www.pagibigfund.gov.ph)

4. Proof of Surviving Legal Heirs Pag-IBIG Fund Branch or Pag-IBIG Website

(HQP-PFF-030) (1 Original) (www.pagibigfund.gov.ph)
5. Certificate of No Marriage issued by PSA (if PSA

the deceased member is single) (1 Original)

7. Affidavit of Guardianship (HQP-PFF-028) (If Pag-IBIG Fund Branch or Pag-IBIG Website

Child/Children below 18 years old, or if (www.pagibigfund.gov.ph)
incompetent)

following:
 Birth Certificate issued by PSA or PSA or LCRO

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Disinterested Persons (HQP-PFF-029,
Death Claim - Single (Without Child/Children)

with Surviving Parent/s

4. Proof of Surviving Legal Heirs (HQP-PFF-030) PSA or LCRO

(1 Original, notarized)
5. Certificate of No Marriage issued by PSA (If PSA

deceased member is single) (1 Photocopy)

following:
 Birth Certificate issued by PSA or PSA

 Non-Availability of Birth Record and Joint PSA and Pag-IBIG Fund Branch or Pag-IBIG Website
Affidavit of Two Disinterested Persons (www.pagibigfund.gov.ph
(HQP-PFF-029, notarized) (1 Photocopy)
Permanent Departure from the Country

3. Passport with Immigrant Visa/Residence DFA

Visa/Settlement Visa or its equivalent
(1 Photocopy)
4. Sworn Declaration of Intention to Depart from Pag-IBIG Fund Branch or Pag-IBIG Website
the Philippines Permanently (HQP-PFF-031) (www.pagibigfund.gov.ph)
(No need to submit if already based abroad) (1
Original, Notarized)
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Expatriates
2. Passport (1 Photocopy) Issuing Country
3. Alien Employment Permit (AEP) issued by DOLE

the Department of Labor and Employment
(1 Photocopy)
Modified Pag-IBIG II
Barangay, NCWPD, DSWD
Through a Representative
Membership Maturity
2. Authorization Letter Member/Claimant
3. Valid ID of both parties (1 Photocopy) Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
LGU, OWWA, POEA, MARINA, Post Office,
Retirement
Compulsory Retirement
2. Authorization Letter (1 Original) Member/Claimant
4. Order of Retirement (For Members under AFP, PNP, BJMP, BFP

AFP, PNP, BJMP, BFP) (1 Original, 1
Photocopy), as applicable
5. Statement of Service (For Members under AFP

AFP) (1 Photocopy) as applicable
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6. Service Record (For Members under PNP, PNP, BJMP, BFP
BJMP, BFP) (1 Photocopy)
Permanent Total Disability (PTD) or Insanity


Critical illness of the member or any of his

immediate family member
4. Marriage Certificate issued by Philippine PSA

Statistics Authority (PSA) or Local Civil
Registry Office (LCRO) and Advisory on
Marriage (If the immediate family member is
the spouse) (1 Original)

6. Non-availability of Birth Record issued by PSA

PSA and Joint Affidavit of Two Disinterested
Persons (HQP-PFF-029) (1 Original,
Notarized)

Termination from Service by Reason of

Health
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Death
Death Claim - Married (with Child/Children)
2. Authorization Letter (1 Original) Claimant


and Advisory on Marriage (if the immediate
family member is the spouse) (1 Photocopy)

Certificate (1 Photocopy)
8. Affidavit of Guardianship (HQP-PFF-028) (if Pag-IBIG Fund Branch or Pag-IBIG Website

with child/children below 18 years old, or if (www.pagibigfund.gov.ph)
incompetent) (1 Original)

following:
 Birth Certificate or issued by PSA of PSA or LCRO

Affidavit of Two Disinterested Persons (www.pagibigfund.gov.ph)
Death Claim - Married (without Child/Children

but with Surviving Legal Heirs)
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and Advisory on Marriage (if the immediate

following:

Affidavit of Two Disinterested Persons (www.pagibigfund.gov.ph)
Death Claim - Single with Child/Children



the deceased member is single) (1 Original)

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8. Affidavit of Guardianship (HQP-PFF-028) (If Pag-IBIG Fund Branch or Pag-IBIG Website
Child/Children below 18 years old, or if (www.pagibigfund.gov.ph)
incompetent)

following:

Death Claim - Single (Without Child/Children

with Surviving Parent/s)

5. Proof of Surviving Legal Heirs (HQP-PFF- Pag-IBIG Fund Branch of Pag-IBIG Website

deceased member is single) (1 Photocopy)

member, the claimant shall submit any of
the following:
 Birth Certificate or issued by PSA or PSA or LCRO

Permanent Departure from the Country

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4. Passport with Immigrant Visa/Residence DFA

Visa/Settlement Visa (1 Photocopy)
5. Sworn Declaration of Intention to Depart from Pag-IBIG Fund Branch or Pag-IBIG Website
the Philippines Permanently (HQP-PFF-031) (www.pagibigfund.gov.ph)
(No need to submit if already based abroad) (1
Expatriates
4. Passport (1 Photocopy) Issuing Country
5. Alien Employment Permit issued by the DOLE

Department of Labor and Employment
(DOLE) (1 Photocopy)
Modified Pag-IBIG II
IMPORTANT:
1. Valid IDs must reflect the member’s date of birth. If the valid IDs do not reflect the date of birth, submit
any of the following:
▪ Birth Certificate of Member issued by Philippine Statistics Authority (PSA)
▪ Non-availability of Birth Record issued by PSA and Joint Affidavit of Two Disinterested Persons
(Notarized)
2. In all instance wherein:
a. photocopies are submitted, the original document must be presented for authentication.
b. discrepancies are noted in public documents submitted; Affidavit of Two Disinterested Person is
required for submission.
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c. discrepancies in Pag-IBIG Remittances, a certification that includes remittances by the respective
employers is required.
d. gaps in membership contribution are noted (due to LWOP, suspension, dismissal, etc.), Statement
of Service (For Members under AFP) or Service Record (For Members under PNP, BJMP, BFP) is
required.
3. For documents (e.g. Birth Certificate, Marriage Contract, Death Certificate, etc.) issued abroad:
a. If the issuing country is a member of The Hague Apostille Convention, the documents must be
apostillized by the concerned appostillization authority/officer.
b. If not, the said document/s should be duly certified by the Philippine Consulate General/ Philippine
Embassy in the country where the document was issued.
4. In case one/any of the legal heir/s waived all the rights and interest on the Provident Benefits Claim
proceeds in favor of another person, a notarized Waiver of Rights (HQP-PFF-032) shall be required.
FEES
PROCESSING
CLIENT STEPS AGENCY ACTION TO BE PERSON RESPONSIBLE
TIME
PAID
1. Proceed to the 1. Provide queue number None 30 minutes* Information Officer
Information Officer for the desired Branch
and get a queue transaction.
number for
Provident Benefits
Claim application
and wait for the
number to be
called.
2. Submit the 2. Receive accomplished None 5 minutes Member Services Officer

accomplished Application for Member Services II -
Application for Provident Benefits Frontline Servicing - Branch
Provident Benefits (APB) Claim and
Claim and required required documents.
documents to the
frontline servicing.
2.1 Check the following: None 10 minutes

 If member/claimant
is eligible according
to the ground for
termination of Pag-
IBIG I membership.
 Completeness and
correctness of data
in the application
form and required
documents.
 Authenticity of
documents
submitted.
2.2 Evaluate application None 10 minutes
and required
documents submitted
and check of the
following:
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 Member’s
information in the
system against data
indicated in the
application form.
 If member’s record
is subject for
reconciliation
 If with existing
Short-Term Loan
(STL) or Housing
Loan (HL)
Note:
For disqualified
applications, the MSO
shall indicate reason of
disqualification in the
application form and
return documents to
member/claimant.
2.3 Prepare and issue None 5 minutes

Provident Benefit
Claim
Acknowledgement
Receipt reflecting
scheduled date of
release of claims
proceeds to member-
claimant.
2.4 At the end of the day, None 1 day

prepares List of
Claims Application for
Validation and
endorse to concerned
unit.
2.5 Process account None 13 days MC Accounting Division -

reconciliation, as Technical and Admin.
follows as applicable: Support (MCAD-TAS)/
MCAD:
 For merging
 For reconciliation/
data migration
 For MID swapping
 For MID integration
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STLAD: STL Accounting Division –
 With STL accounts Technical and Admin.
under Legacy Support (STLAD-TAS)
 With gap on posted
payment of loan ISDD/DCD/ Service Desk
amortization Branch
 With in-transit
payment
 With balance subject
for TAV offsetting
2.6 File application in the None 10 minutes Member Services Officer
system and encode Member Services II -
member and/or Frontline Servicing - Branch
claimant’s details.
2.7 Review loan details of None 20 minutes Supervising Member

the member against Services Officer
application and Member Services II -
supporting documents. Frontline Servicing - Branch
2.8 Approve/disapprove None 1 day** Approving

claims application. Authority
2.9 Prepare and endorse None 30 minutes

List of Approved
Applications and
Certificate for
Disbursement to
Technical and Admin.
Support (TAS) to
initiate processing of
disbursement.
2.10 Generate/prepare None 15 minutes CASD-TAS/Cashier III

necessary
disbursement
document.
2.11 Sign disbursement None 1 day** Approving Authority

documents to
indicate approval.
2.12 Review None 10 minutes GABMD/ Financial

disbursement Specialist
transactions for
funding.
2.13 Sign DV/Check to None 1 day** Approving Authority

certify availability of
funds for
disbursement.
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2.14 Process signing of None 1 day** CASD-TAS/Cashier III
DV/C and endorse
Check to concerned Signing Authorities
branch.
2.15 Upon receipt of None 10 minutes Branch Support/ Cashier

DV/Check from (Disbursement)
CASD, facilitates
request of SMS
blasting to inform
concerned member
on the availability of
Check.
3. On scheduled date 3. Provide queue None 30 minutes* Branch/ Information Officer

of release, number for the desired
proceeds to the transaction.
Information Officer
and get a queue
number for Check
releasing
transaction and
wait for the number
to be called.
4. Present PBAR and 4. Release Check to None 5 minutes Branch Support - Branch/
1 valid ID to the member/claimant. Cashier Disbursement
Cashier
(Disbursement) to
get the claims
proceeds.
TOTAL None 18 days, 3

hours and 10
minutes
* Time indicated shall include waiting time of the transacting clients and shall depend on the number on queue.
** The activity is being done in batch and may be done at the end of the day.
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ANNEX A
MEMBER/CLAIMANT
Optional Retirement
2. Pag-IBIG Loyalty Card Plus or one (1) valid Employer, DFA, LTO, PRC, SSS, GSIS, GOCC,
ID of the member (1 Original, 1 Photocopy) IBP, LGU, OWWA, POEA, MARINA, Post
Office, COMELEC, PhilHealth, NBI, Local Police
Station, BOI, Barangay, NCWPD, or DSWD
3. Certificate of Early Retirement (For private Employer

employees who are at least 45 years old) (1
4. GSIS Retirement Voucher (For government GSIS

employees) (1 Photocopy)
THROUGH A REPRESENTATIVE
Optional Retirement
3. Valid ID of both parties (1 Photocopy) Employer, DFA, LTO, PRC, SSS, GSIS, GOCC,
IBP, LGU, OWWA, POEA, MARINA, Post
Office, COMELEC, PhilHealth, NBI, Local Police
Station, BOI, Barangay, NCWPD, or DSWD
4. Certificate of Early Retirement (For private Employer

employees who are at least 45 years old) (1
5. GSIS Retirement Voucher (For government GSIS
employees) (1 Photocopy)
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25. Applyfor
2. Apply for Refund
Refund Excess/Overpayment
Excess/Overpayment ofofShort-Term
Short-TermLoan
Loan(STL)
(STL)
Amortization
Amortization
The refund of excess/overpayment of Short-Term Loan (STL) amortization entitles qualified member
of repayment/reimbursement of the excess/overpayment of Short-Term Loan (STL) amortization
payment after the loan has been fully settled either through cash or Total Accumulated Value (TAV)
Offsetting.
This service starts from receipt of Application for Refund of Excess/Overpayment for STL Amortization
up to release of refund of excess/overpayment proceeds.
Office or Division: ▪ Member Services II - Frontline Servicing - Pag-IBIG Fund Branch

▪ Cash and Administrative Services Division - Technical and Admin. Support
(CASD-TAS)
Classification: Highly Technical
Type of
G2C - Government to Client
Transaction:
Who may avail: This transaction shall be availed by the concerned member with excess/overpayment
on Short-Term Loan (STL) amortization.
1. Application for Refund of Excess/ Pag-IBIG website (www.pagibigfund.gov.ph) or in any
Overpayment for STL Amortization Pag-IBIG Fund Branch
(HQP-SLF-103) (2 Originals)
2. Valid ID acceptable to the Fund Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
(2 Photocopy) LGU, OWWA, POEA, MARINA, Post Office,
Pag-IBIG Fund Branch

3. Notice of STL Excess/Overpayment
(1 Photocopy)
NOTE: In all instances wherein photocopies are submitted, the original document must be
presented for authentication.
FEES
TO PROCESSING PERSON
CLIENT STEPS AGENCY ACTION
BE TIME RESPONSIBLE
PAID
1. Proceed to the 1. Provide queue None 30 minutes* Information Officer
Information number for the desired Branch
Officer and get a transaction.
queue number
and wait for the
number to be
called.
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2. Submit duly 2. Receive duly None 10 minutes Member Services Officer
accomplished accomplished Member Services II -
Application for Application for Refund Frontline Servicing - Branch
Refund of of Excess/
Excess/ Overpayment of STL
Overpayment of Amortization and
STL required documents
Amortization and from concerned
required member.
documents to
Member
Services Officer.
2.1 Access system and None 10 minutes

verifies if concerned
member is qualified
for the application for
refund.
Note:
If not qualified, a Notice
of Disapproval of
Request shall be issued
to the member.
2.2 File application for None 15 minutes

refund in the system.
2.3 Sign and indicates None 3 minutes

date of release in the
Application for
Refund.
2.4 Issue acknowledge None 2 minutes

Application for
Refund to the
concerned member.
2.5 At the end of the day, None 1 day**

endorse received
application to SMSO
for review.
2.6 Review member’s None 20 minutes Supervising Member

record and amount of Services Officer
refund shown in the Member Services II -
system against Frontline Servicing - Branch
application and
supporting
documents.
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2.7 Approve/disapprove None 1 day** Branch Head
application for
refund.
2.8 Prepares and None 30 minutes Head/Branch Head

endorse List of Member Services II -
Approved Refund Frontline Servicing -Branch
Application and
Certificate for
Disbursement to
CASD-TAS to initiate
disbursement.
2.1 Generate/prepare None 15 minutes Cashier III

necessary CASD-TASI
disbursement
document.
2.2 Sign disbursement None 1 day** Approving Authorities

documents to indicate
approval.
2.3 Review disbursement None 10 minutes GABMD-TAS/Financial

transaction for Specialist
funding.
2.4 Sign DV/Check to None 1 day** Approving Authorities

certify availability of
Funds for
disbursement.
2.5 Process signing of None 2 days CASD-TAS/Cashier III

DV/Check and
endorse to concerned Signing Authorities
Branch for releasing.
2.6 Upon receipt of None 10 minutes Branch Support - Branch/

DV/Check from Cashier (Disbursement)
CASD, facilitate
request of SMS
blasting to inform
concerned member
on the availability of
Check.
3. On scheduled 3. Provide queue None 30 minutes* Information Officer
date, proceed to number for the Branch
the Information desired transaction.
Officer and get a
queue number for
Check releasing
transaction and
wait for the
number to be
called.
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24
4. Present the 4. Release Check to None 5 minutes Cashier (Disbursement)
acknowledged member. Branch Support - Branch
Application for
Refund and 2
valid IDs to the
Cashier to claim
the refund.
6 days, 3 hours
TOTAL: None
and 10 minutes
* Time indicated shall include waiting time of the transacting members and shall depend on the number
on queue.
** The activity is being done in batch and may be performed at the end of the day.
25
3. Availment
15. of Short-Term
Availment of Short-TermLoan
Loan(STL)
(STL)through
throughCheck
Check(Complex)
(Complex)
The Short-Term Loan (STL) program aims to provide financial assistance to Pag-IBIG Fund
members. There are two types of STL:
▪ Multi-Purpose Loan (MPL) - to provide financial assistance for the following purposes:
 Minor home improvement/home renovation/upgrades;

 Livelihood/additional capital in small business;
 Tuition/educational expenses;
 Health and wellness;
 Purchase of appliance and furniture/electronic gadgets;
 Payment of utility/credit card bills;
 Vacation/travel;
 Special events;
 Car repair; and
 Other needs
▪ Calamity Loan - to provide immediate financial assistance to Pag-IBIG members in calamity-

stricken areas, as declared by the Office of the President or Sangguniang Bayan.
This service shall start from the receipt of STL application form and required documents up to
the release of loan proceeds through Check to the member-borrower.
Office or ▪ Member Services II - Member Services (MS II - FS) - Pag-IBIG Fund Branch
Division: ▪ Technical and Administrative Support
Classification: Complex Transaction
Type of
Transaction:
Who may avail: The program shall be open to Pag-IBIG member who satisfies the following
requirements:
 Has made at least twenty-four (24) monthly membership savings (MS)

 Has made at least one (1) MS within the last six (6) months prior to the date of
loan application
 If with existing Pag-IBIG housing loan, the account must not be in default as of
the date of application
 If with existing MPL and/or Calamity Loan, the account must not be in default as
of date of application
 Has sufficient proof of income
 Is a resident of the area which is declared calamity-stricken (For calamity loan
only)
1
26
Multi-Purpose Loan (MPL)
Member
1. Multi-Purpose Loan Application Form Pag-IBIG website (www.pagibigfund.gov.ph) or in any
(MPLAF, HQP-SLF-065) (1 Original) Pag-IBIG Fund Branch
COMELEC, PhilHealth, NBI, Local Police Station,
BOI, Barangay, NCWPD or DSWD
3. Proof of Income
Formally-employed:
The “Certificate of Net Pay” portion at the Employer
application form must be accomplished by
the employer or submit photocopy of one (1)
month latest payslip duly authenticated by
the company’s authorized signatory.
For Self Employed, any of the following:

a. ITR, Audited Financial Statements, and Employer/Bureau of Internal Revenue
Official Receipt of tax payment from (BIR)/Municipals Office/City Hall
bank supported with DTI Registration
and Mayor’s Permit/Business Permit
(1 Photocopy)
b. Commission Vouchers reflecting the Employer

issuer’s name and contact details) for
the last 12 months) (1 Original)
c. Bank Statements or passbook for the Issuing Bank

last 12 months (in case income is
sourced from foreign remittance,
pensions, etc.) (1 Original)
d. Certified True Copy of Transport LGU, LTFRB

Franchise issued by appropriate
government agency (LGU for tricycles,
LTFRB for other PUVs) (1 Original)
e. Certificate of Engagement issued by Employer

owner of business (1 Original)
f. Notarized Affidavit of Income Pag-IBIG website (www.pagibigfund.gov.ph) or in any

(HQP-SLF-136) (1 Original) Pag-IBIG Fund Branch
2
27
For Overseas Filipino Workers (OFW), any
of the following:
a. Employment Contract Employer
▪ Employment Contract between
employee and employer
(1 Photocopy); or
▪ POEA Standard Contract
(1 Original)
b. Certificate of Employment and Employer

Compensation (CEC)
▪ CEC written on the
Employer/Company’s official
letterhead (1 original copy); or
▪ CEC signed by employer (for
household staff and similarly
situated employees) supported by
a photocopy of the employer’s ID
and passport (1 Original)
c. Income Tax Return filed with Host Employer

Country/Government (1 Original)
NOTE: If documents are in foreign
language/s, English translation
is required.
Representative
1. Multi-Purpose Loan Application Form Pag-IBIG website (www.pagibigfund.gov.ph) or in any
(MPLAF, HQP-SLF-065) (1 Original) Pag-IBIG Fund Branch
2. Authorization Letter (1 Original) Member
4. Proof of Income
Formally-employed: Employer
The “Certificate of Net Pay” portion at the
3
28
(1 Photocopy)




f. Notarized Affidavit of Income (HQP- Pag-IBIG website (www.pagibigfund.gov.ph) or in any

SLF-136) (1 Original) Pag-IBIG Fund Branch

of the following:
(1 Photocopy); or
▪ POEA Standard Contract (1 Original)

Compensation (CEC)

is required.
29
Calamity Loan
Member
1. Calamity Loan Application Form (CLAF, Pag-IBIG website (www.pagibigfund.gov.ph) or in any
HQP-SLF-066) (1 Original) Pag-IBIG Fund Branch
2. Valid ID acceptable to the Fund (1 Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
Photocopy) LGU, OWWA, POEA, MARINA, Post Office,
3. Proof of Income
the employer or submit photocopy of one
(1) month latest payslip duly authenticated
by the company’s authorized signatory.

and Mayor’s Permit/Business Permit (1
Photocopy)




f. Notarized Affidavit of Income Pag-IBIG website (www.pagibigfund.gov.ph) or in any

(HQP-SLF-136) (1 Original) Pag-IBIG Fund Branch
5
30
of the following
a. Employment Contract Employer/Bureau of Internal Revenue
▪ Employment Contract between (BIR)/Municipals Office/City Hall
(1 Photocopy); or
(1 Original)

Compensation (CEC)
letterhead (1 Original copy); or

Country/Government
is required.
4. In case of El Niño Phenomenon, any of the

following:
a. For farmers, including landlords, fisher Municipals Office/City Hall

folks, and livestock farmers
- Certification from the Municipal
Agricultural Office (MAO) that their
products were damaged/killed due
to the calamity.
b. For business owners/market vendors Municipals Office/City Hall

- Certification from the Market
Vendors Association or certification
from the Municipal Mayor (if not
member of the association)
attesting that he is engaged in the
selling of farm products, vegetable,
meat, fish and that his source of
livelihood was affected by the
calamity.
6
31
c. For Pag-IBIG Members or any of his Medical Clinic/Hospital
immediate family members afflicted by
disease such as diarrhea, cholera, skin
diseases, paralytic shellfish poisoning
(red tide bloom), heat cramps, heat
exhaustion, heat stroke, chickenpox,
measles, and hypertension
- A Medical Certificate from the
Doctor stating that such
disease/illness is brought by the
onset of calamity.
Representative
1. Calamity Loan Application Form (CLAF, Pag-IBIG website (www.pagibigfund.gov.ph) or in any
HQP-SLF-066) (1 Original) Pag-IBIG Fund Branch
4. Proof of Income
Formally-employed:

a. ITR, Audited Financial Statements, and Employer/Bureau of Internal
Official Receipt of tax payment from
(1 Photocopy)


7
32

f. Notarized Affidavit of Income (HQP- Pag-IBIG website (www.pagibigfund.gov.ph) or in any

SLF-136) (1 Original) Pag-IBIG Fund Branch

of the following:
employee and employer (1
Photocopy); or
▪ POEA Standard Contract (1
Original)

Compensation (CEC)

Country/Government
is required.

following:
a. For farmer, including landlords, fisher Municipals Office/City Hall

to the calamity.
8
33
from the Municipal Mayor (if not a
meat, fish, and that his source of
calamity.

onset of calamity.
FEES
PROCESSING PERSON
CLIENT STEPS AGENCY ACTION TO BE
TIME RESPONSIBLE
PAID
Information Officer number for the Branch
and get a queue desired transaction.
number and wait
for the number to
be called.
2. Submit duly 2. Receive None 10 minutes Member Services Officer

accomplished accomplished MS II – Frontline
MPLAF/CLAF and MPLAF/CLAF and Servicing -Branch
required required supporting
documents to documents.
MSO.
2.1 Evaluate None 10 minutes

application and
required documents
submitted and
checks the
following:
- If member-
applicant is
eligible.
9
34
- If member-
applicant has
Pag-IBIG MID
Number.
- If application form
is completely
and properly
accomplished
with required
supporting
documents
- Member’s
information in the
system against
data indicated in
the application
form.
- If account is
subject for
reconciliation.
- If with existing
Short-Term Loan
(STL).
- If with existing
Housing Loan
(HL).
- If with previous
Claim application.
Note:
For disqualified
shall indicate reason
of disqualification in
the application form
and return documents
to member-applicant.
2.2 File application in None 15 minutes

the system and
encodes member-
applicant’s details.
2.3 Issue STL None 3 minutes

Acknowledgement
Receipt (HQP-SLF-
003) reflecting
scheduled date of
release of STL
proceeds to
member-applicant.
10
35
2.4 At the end of the None 1 day**
day, endorse
received application
to SMSO for review.
2.5 Review loan details None 20 minutes Supervising Member

of the member Services Officer
against application MS II - Frontline
and supporting Servicing -Branch
documents.
2.6 Approve/ None 1 day** Approving Authority

disapprove loan
applications.
2.7 Prepare and None 30 minutes

endorse List of
Approved STL
Application and
Certificate for
Disbursement to
CASD-TAS to
initiate
disbursement.

necessary CASD-TAS
disbursement
document.

documents to
indicate approval.
2.10 Review None 10 minutes Financial Specialist

disbursement GABMD-TAS
transaction for
funding.

certify availability
of Funds for
disbursement.
2.12 Process signing of None 2 days** Cashier III

DV/Check and CASD-TAS
endorse to
concerned Branch Signing Authorities
for releasing.
11
36
2.13 Upon receipt of None 10 minutes Cashier (Disbursement)
DV/Check from Branch Support - Branch
CASD, facilitate
request of SMS
blasting to inform
concerned member
on the availability
of Check.
3. On schedule date of 3. Provide queue None 30 minutes* Information Officer

release of STL number for the Branch
proceeds, Proceed to desired transaction.
the Information
Officer and get a
queue number for
Check releasing
transaction and wait
for the number to be
called.
4. Present the STLAR 4. Release Check to None 5 minutes Cashier (Disbursement)

and 1 valid ID to the member-borrower. Branch Support - Branch
Cashier to claim the
loan proceeds.
TOTAL None 6 days, 3 hours

and 8 minutes
* Time indicated shall include waiting time of the transacting client and shall depend on the number on queue.
12
37
20. Availment ofof
4. Availment Short-Term LoanLoan
Short-Term (STL) (STL)
throughthrough
Check Check (Highly Technical)
Short-Term Loan (STL) program aims to provide financial assistance to Pag-IBIG Fund members.
There are two types of STL:

 Special events;
 Car repair; and
 Other needs

This service shall start from the receipt of STL application forms and required documents up
to release of loan proceeds through Check to the member-applicant.
Office or ▪ Member Services II - Member Services (MS II-FS) – Branch


Type of
Transaction:
requirement:

loan application
 If with existing MPL and/or Calamity Loan, the account must not be in default
as of date of application
only)
1
38
Member
1. Multi-Purpose Loan Application Form Pag-IBIG website (www.pagibigfund.gov.ph) or in
(MPLAF, HQP-SLF-065) (1 Original) any Pag-IBIG Fund Branch
2. Valid ID acceptable to the Fund Employer, DFA, LTO, PRC, SSS, GSIS, GOCC,
(1 Photocopy) IBP, LGU, OWWA, POEA, MARINA, Post Office,
BOI, Barangay, NCWPD, DSWD
3. Proof of Income
Formally-employed:
application form must be accomplished by the
employer or submit photocopy of one (1)
month latest payslip duly authenticated by the
company’s authorized signatory.

(1 Photocopy)

issuer’s name and contact details) for the
last 12 months) (1 Original)



f. Notarized Affidavit of Income (HQP-SLF- Pag-IBIG website (www.pagibigfund.gov.ph) or in

136) (1 Original) any Pag-IBIG Fund Branch
39 2
of the following:
Photocopy); or

Compensation (CEC)
letterhead (1 Original); or
household staff and similarly situated
employees) supported by a
photocopy of the employer’s ID and
passport (1 Original)

language/s, English translation is
required.
Representative
(MPLAF, HQP-SLF-065) (1 original) any Pag-IBIG Fund Branch
IBP, LGU, OWWA, POEA, MARINA, Post Office,
4. Proof of Income
Formally-employed:

(1 Photocopy)
40 3





of the following:
photocopy); or
▪ POEA Standard Contract (1 original)

Compensation (CEC)
passport (1 original copy)

Country/Government
is required.
Calamity Loan
Member
1. Calamity Loan Application Form (CLAF, Pag-IBIG website (www.pagibigfund.gov.ph) or in
HQP-SLF-066) (1 Original) any Pag-IBIG Fund Branch
41 4
2. Valid ID acceptable to the Fund (1 Employer, DFA, LTO, PRC, SSS, GSIS, GOCC,
Photocopy) IBP, LGU, OWWA, POEA, MARINA, Post Office,
3. Proof of Income
Formally-employed:

Official Receipt of tax payment from bank (BIR)/Municipals Office/City Hall
supported with DTI Registration and
Mayor’s Permit/Business Permit (1
Photocopy)




f. Notarized Affidavit of Income Pag-IBIG website (www.pagibigfund.gov.ph) or in

(HQP-SLF-136) (1 Original) any Pag-IBIG Fund Branch

of the following
(1 Photocopy); or
(1 Original)
5
42
Compensation (CEC)

Country/Government
required.

following:

products were damaged/killed due to
the calamity.

- Certification from the Market Vendors
Association or certification from the
Municipal Mayor (if not member of the
association) attesting that he is
engaged in the selling of farm
products, vegetable, meat, fish and
that his source of livelihood was
affected by the calamity.

- A Medical Certificate from the Doctor
stating that such disease/illness is
brought by the onset of calamity.
6
43
Representative
4. Proof of Income
Formally-employed:

Official Receipt of tax payment from bank
Photocopy)

c. Bank Statements or passbook for the last Issuing Bank

12 months (in case income is sourced
from foreign remittance, pensions, etc.)
(1 Original)



7
44
of the following:
Photocopy); or

Compensation (CEC)

Country/Government
required.

following:

the calamity.

Municipal Mayor (if not a member of
the association) attesting that he is
products, vegetable, meat, fish, and
45 8
FEES
BE TIME RESPONSIBLE
PAID
number for STL
application and
wait for the number
to be called.
2. Submit duly 2. Receive None 10 minutes Member Services

accomplished accomplished Officer
MPLAF/CLAF and MPLAF/CLAF and MS II-FS -Branch
MSO.
and supporting
documents submitted
and checks the
following:
- If member-applicant
is eligible.
has Pag-IBIG
MID Number.
- If application form is
completely and
properly
accomplished with
required supporting
documents
- Member’s
information in the
system against data
indicated in the
application form.
9
46
- If account is subject
for reconciliation.
- If with existing
Short-Term Loan
(STL).
- If with existing
Housing Loan (HL).
If with previous
Claim application
Note:
For disqualified
return documents to
member-applicant.
2.2 File application in the None 15 minutes

system and selects
“Pending” button.

Acknowledgement
Receipt (HQP-SLF-
003) reflecting
scheduled date of
release of STL
proceeds to member-
applicant.
2.4 At the end of the day, None 1 day*

prepares List of STL
Applications for
Validation and
endorse to
concerned unit.
2.5 Process account None 14 days

reconciliation, as
follows whichever is
applicable:
MCAD:
 For merging MC Accounting
 For reconciliation/ Division -Technical and
data migration Admin. Support
 For MID swapping (MCAD-TAS)/
10
47
STLAD: STL Accounting
 With STL accounts Division – Technical
under Legacy and Admin. Support
 With gap on posted (STLAD-TAS)
payment of loan
amortization ISDD/DCD/ Service
 With in-transit Desk Branch
payment
 With balance
subject for TAV
offsetting
2.6 Retrieve filed None 10 minutes Member Services

application in the Officer
system and resume MS II-FS -Branch
processing of
application.

against application MS II-FS -Branch
and supporting
documents.
2.8 Approve/ disapprove None 1 day** Approving

loan applications. Authority

endorse List of
Approved STL
Application and
Certificate for
Disbursement to
CASD-TAS to
initiate
disbursement.

necessary CASD-TAS
disbursement
document.

documents to
indicate approval.

transaction for
funding.
48 11
of Funds for
disbursement.
2.14 Process signing of None 1 day** Cashier III

DV/Check and CASD-TAS
endorse to
concerned Branch Signing Authorities
for releasing.
2.15 Upon receipt of None 10 minutes Cashier Disbursement

DV/Check from Branch Support -
CASD, facilitate Branch
request of SMS
blasting to inform
concerned member
on the availability
of Check.
3. On scheduled date 3. Provide queue None 30 minutes* Information Officer

of release of STL number for the Branch
proceeds, proceed desired transaction.
to the Information
Officer and get a
queue number for
Check releasing
transaction and wait
called.
4. Present the STLAR 4. Release Check to None 5 minutes Cashier Disbursement

and 1 valid ID to the member-borrower. Branch Support -
Cashier Branch
(Disbursement) to
get the loan
proceeds.

hours and 18
minutes
* Time indicated shall include waiting time of the transacting members and shall depend on the number on
queue.
49 12
5. Availment
17. AvailmentofofShort-Term
Short-TermLoan
Loan(STL)
(STL)through
through Disbursement
Disbursement Card (Complex)

 Special events;
 Car repair; and
 Other needs

release of loan proceeds through disbursement card to the member-borrower.
Office or ▪ Member Services II - Member Services Officer - Branch

Division: ▪ Cash Management Division - Treasury Department
▪ Financial Control Division - Operations Accounting Division
Type of
Transaction:
requirement:

loan application
 If with existing MPL and/or Calamity Loan, the account must not be in default
as of date of application
only)
1
50
Member
3. Proof of Income
Formally-employed:

(1 Photocopy)





51 2
of the following:
(1 Photocopy); or
(1 Original)
▪
Compensation (CEC)

Country/Government
is required.
Representative
2. Authorization Letter Member
4. Proof of Income
Formally-employed:
52 3
(1 Photocopy)




f. Notarized Affidavit of Income (HQP- Pag-IBIG website (www.pagibigfund.gov.ph) or in

SLF-136) (1 Original) any Pag-IBIG Fund Branch

of the following:
(1 Photocopy); or

Compensation (CEC)

Country/Government
is required.
53
4
Calamity Loan
Member
3. Proof of Income
Formally-employed:

Photocopy)





54 5
of the following
(1 Photocopy); or
(1 Original)

Compensation (CEC)

Country/Government
is required.

following:

to the calamity.

calamity.
55 6
onset of calamity.
Representative
4. Proof of Income
Formally-employed:

(1 Photocopy)


56 7



of the following:
Photocopy); or
Original)

Compensation (CEC)

Country/Government
is required.

following:

to the calamity.
57 8
calamity.

onset of calamity.
FEES
PROCESSING PERSON
TIME RESPONSIBLE
PAID
number for STL
application and wait
for the number to
be called.
2. Submit duly 2. Receive None 10 minutes Member Service Officer

accomplished accomplished MS II-FS -Branch
MPLAF/CLAF and MPLAF/CLAF and
MSO.

application and
required documents
submitted and
checks the
following:
58 9
- If member-
applicant is
eligible.
- If member-
applicant has
Pag-IBIG MID
Number.
is completely
and properly
accomplished
with required
supporting
documents
- Member’s
information in the
system against
data indicated in
the application
form.
- If account is
subject for
reconciliation.
- If with existing
Short-Term Loan
(STL).
- If with existing
Housing Loan
(HL).
- If with previous
Claim application.
Note:
For disqualified
2.2 File application in None 15 minutes Member Services

the system and Officer
encodes member- MS II-FS -Branch
10
59
Acknowledgement
Receipt (HQP-SLF-
003) reflecting
scheduled date of
release of STL
proceeds to
member-applicant.

day, endorse
to SMSO for review.

and supporting
documents.
2.6 Approve/ None 1 day** Branch Head

disapprove loan
applications.

endorse List of
Approved STL
Application and
Certificate for
Disbursement to
Treasury Dept. to
initiate
disbursement.
2.8 Generate/prepare None 15 minutes Treasury Analyst

necessary CMD-Treasury Dept.
disbursement
document.

documents to
indicate approval.
2.10 Prepare and None 10 minutes Financial Analyst II

approve FCD- OAD
Disbursement
Voucher (DV)
60 11
2.11 Sign DV to certify None 1 day** Approving Authorities
availability of
Funds for
disbursement.
2.12 Process release of None 2 days** Treasury Analyst

loan proceeds and CMD-Treasury Dep
forwards
Endorsement Signing Authorities
Letter and
supporting
documents to
partner-bank for
crediting of loan
proceeds.
2.13 Inform Data Center None 10 minutes Treasury Analyst

on the availability CMD-Treasury Dept.
of Feedback File to
initiate SMS
blasting on the
crediting of loan
proceeds to
member’s
disbursement card.

and 33 minutes
* Time indicated shall include waiting time of the transacting members and shall depend on the number on queue.
61 12
6. Availment of Short-Term Loan (STL) through Disbursement Card
22. Availment of Short-Term Loan (STL) through Disbursement Card
(Highly Technical)

 Special events;
 Car repair; and
 Other needs

to release of loan proceeds through Disbursement Card to the member-applicant.
Classification: Highly Technical Transactions

Type of
Transaction:
requirement:

loan application
only)
62 1
Member
Proof of Income
Formally-employed:

photocopy)

last 12 months) (1 original copy)

pensions, etc.) (1 original copy)

LTFRB for other PUVs) (1 original copy)


2
63
of the following:
Photocopy); or

Compensation (CEC)

required.
Representative
Proof of Income
Formally-employed:
3
64
photocopy)


(1 original copy)


owner of business (1 original copy)


of the following:
photocopy); or

Compensation (CEC)

Country/Government
is required.
4
65
Calamity Loan
Member
3. Proof of Income
Formally-employed:

Photocopy)






of the following
Photocopy); or
(1 Original)
5
66
Compensation (CEC)

Country/Government
required.

following:

the calamity.


67 6
Representative
4. Proof of Income
Formally-employed:

Mayor’s Permit/Business Permit
(1 Photocopy)


(1 Original)




of the following:
7
68
Photocopy); or

Compensation (CEC)

Country/Government
required.
following:

the calamity.


8
69
FEES
BE TIME RESPONSIBLE
PAID
number for STL
application and
wait for the number
to be called.

MSO.
and supporting
documents submitted
and checks the
following:
is eligible.
has Pag-IBIG
MID Number.
completely and
properly
accomplished with
required supporting
documents
- Member’s
information in the
system against data
indicated in the
application form.
for reconciliation.
- If with existing
Short-Term Loan
(STL).
- If with existing
Housing Loan (HL).
- If with previous
Claim application.
9
70
Note:
For disqualified
return documents to
member-applicant.

system and selects

Acknowledgement
Receipt (HQP-SLF-
003) reflecting
scheduled date of
release of STL
proceeds to member-
applicant.

Applications for
Validation and
endorse to
concerned unit.

reconciliation, as
applicable:
MCAD: MC Accounting Division

 For merging -Technical and Admin.
 For reconciliation/ Support (MCAD-TAS)
data migration
STLAD: STL Accounting Division

 With STL accounts – Technical and Admin.
under Legacy Support (STLAD-TAS)
 With gap on posted
payment of loan ISDD/DCD/ Service
amortization Desk Branch
 With in-transit
payment
71 10
 With balance
subject for TAV
offsetting

processing of
application.

and supporting
documents.
2.8 Approve/ disapprove None 1 day** Branch Head

loan applications.

endorse List of
Approved STL
Application and
Certificate for
Disbursement to
CASD-TAS to
initiate
disbursement.
2.10 Generate/prepare None 15 minutes Treasury Analyst

necessary CMD-Treasury Dept.
disbursement
document.

documents to
indicate approval.
2.12 Prepare and approve None 10 minutes Financial Analyst II

Disbursement FCD- OAD
Voucher (DV)
2.13 Sign DV to certify None 1 day** Approving

availability of Funds Authorities
for disbursement.
11
72
2.14 Process release of None 1 day** Treasury Analyst
loan proceeds and CMD-Treasury Dept.
forwards
Endorsement Letter Signing Authorities
and supporting
documents to
partner-bank for
crediting of loan
proceeds.
2.15 Inform Data Center None 10 minutes Treasury Analyst

on the availability of CMD-Treasury Dept.
Feedback File to
initiate SMS blasting
on the crediting of
loan proceeds to
member’s
disbursement card.

hours and 43
minutes
queue.
73 12
7. Availment
16. Availment of
of Short-Term
Short-Term Loan (STL)
(STL) through
throughPACSVAL
PACSVAL(Complex)
(Complex)

 Special events;
 Car repair; and
 Other needs

release of loan proceeds through PACSVAL to the member-borrower.
Office or ▪ Member Services II - Member Services (MS II-FS) - Pag-IBIG Fund Branch
Type of
Transaction:
requirement:

loan application
only)
1
74
Member
BOI, Barangay, NCWPD or DSWD
3. Proof of Income

(1 Photocopy)





2
75
of the following:
(1 Photocopy); or
(1 Original)

Compensation (CEC)

Country/Government
is required.
Representative
4. Proof of Income
3
76
(1 Photocopy)






of the following:
(1 Photocopy); or

Compensation (CEC)

Country/Government
is required.
77 4
Calamity Loan
Member
Photocopy) LGU, OWWA, POEA, MARINA, Post Office,
3. Proof of Income

Photocopy)

c. Bank Statement or passbook for the Issuing Bank




78 5
of the following:
(1 Photocopy); or
(1 Original)

Compensation (CEC)

Country/Government
is required.

following:

- Certificate from the Municipal
to the calamity.

- Certification from the market
calamity.
79 6
onset of calamity.
Representative
4. Proof of Income
Formally-employed:
The Certificate of Net Pay” portion at the Employer

Photocopy)


80 7


For Overseas Filipino Workers (OFW,),

any of the following:
Photocopy); or
Original)

Compensation (CEC)

Country/Government
is required.

following:

to the calamity.
8
81
calamity.

onset of calamity.
FEES
PROCESSING PERSON
TIME RESPONSIBLE
PAID
number for STL
application and wait
for the number to
be called.

MSO.
2.1 Evaluate
application and
supporting
documents
submitted and
checks the
following:
9
82
- If member-
applicant is
eligible.
- If member-
applicant has
Pag-IBIG MID
Number.
is completely
and properly
accomplished
with required
supporting
documents
- Member’s
information in the
system against
data indicated in
the application
form.
- If account is
subject for
reconciliation.
- If with existing
Short-Term Loan
(STL).
- If with existing
Housing Loan
(HL).
- If with previous
Claim application.
Note:
For disqualified

the system and
encodes member-
10
83
Acknowledgement
Receipt (HQP-SLF-
003) reflecting
scheduled date of
release of STL
proceeds to
member-applicant.

day, endorse
to SMSO for review.

and supporting
documents.
2.5 Approve/ None 1 day** Branch Head

disapprove loan
applications.

endorse List of
Approved STL
Application and
Certificate for
Disbursement to
CASD-TAS to
initiate
disbursement.

necessary CASD-TAS
disbursement
document.

documents to
indicate approval.

transaction for
funding.
11
84
2.10Sign manual DV to None 1 day** Approving Authorities
of Funds for
disbursement.
2.11 Facilitate signing None 2 days** Cashier III

of manual DV and CASD-TAS
endorse Bank
Advice to Signing Authorities
concerned partner
bank for crediting
of loan proceeds.
2.12 Facilitate request None 10 minutes Cashier III

of SMS blasting to CASD-TAS
inform concerned
member on the
crediting of loan
proceeds to his
payroll account.

and 23 minutes
queue.
12
85
. Availment
218. AvailmentofofShort-Term
Short-TermLoan
Loan(STL) through
(STL) PACSVAL
through PACSVAL (Highly Technical)

 Special events;
 Car repair; and
 Other needs

to release of loan proceeds through PACSVAL to the member-applicant.

Type of
Transaction:
requirement:

loan application
only)
1
86
Member
Proof of Income
Formally-employed:

photocopy)


pensions, etc.) (1 original copy)



2
87
of the following:
Photocopy); or

Compensation (CEC)

required.
Representative
Proof of Income
Formally-employed:

photocopy)

3
88
from foreign remittance, pensions, etc.) (1
original copy)


owner of business (1 original copy)


of the following:
Photocopy); or

Compensation (CEC)

Country/Government
is required.
Calamity Loan
Member
89 4
3. Proof of Income
Formally-employed:

Photocopy)






of the following
Photocopy); or
(1 Original)
90 5
Compensation (CEC)

Country/Government
required.

following:

the calamity.
-

Representative
6
91
4. Proof of Income
Formally-employed:

Photocopy)


(1 Original)




of the following:
Photocopy); or

Compensation (CEC)
7
92

Country/Government
required.

following:

the calamity.


8
93
FEES
BE TIME RESPONSIBLE
PAID
number for STL
application and
wait for the number
to be called.

MSO.

and supporting
documents submitted
and checks the
following:
is eligible.
has Pag-IBIG
MID Number.
completely and
properly
accomplished with
required supporting
documents
- Member’s
information in the
system against data
indicated in the
application form.
for reconciliation.
- If with existing
Short-Term Loan
(STL).
- If with existing
Housing Loan (HL).
- If with previous
Claim application.
9
94
Note:
For disqualified
return documents to
member-applicant.

system and selects

Acknowledgement
Receipt (HQP-SLF-
003) reflecting
scheduled date of
release of STL
proceeds to member-
applicant

Applications for
Validation and
endorse to
concerned unit.

reconciliation, as
applicable:
MCAD:
 For merging MC Accounting Division
 For reconciliation/ -Technical and Admin.
data migration Support (MCAD-TAS)/
STL Accounting Division
STLAD: – Technical and Admin.
 With STL accounts Support (STLAD-TAS)
under Legacy
 With gap on posted ISDD/DCD/ Service
payment of loan Desk Branch
amortization
 With in-transit
payment
 With balance
subject for TAV
offsetting
10
95
processing of
application.
and supporting
documents.
2.8 Approve/ disapprove None 1 day** Branch Head

loan applications.

endorse List of
Approved STL
Application and
Certificate for
Disbursement to
CASD-TAS to
initiate
disbursement.

necessary CASD-TAS
disbursement
document.

documents to
indicate approval.

transaction for
funding.
2.13 Sign manual DV to None 1 day** Approving Authorities

of Funds for
disbursement.
2.14 Facilitate signing of None 1 day** Cashier III

manual DV and CASD-TAS
endorse Bank
Advice to Signing Authorities
concerned partner
bank for crediting
of loan proceeds.
11
96
2.15 Facilitate request None 10 minutes Cashier Disbursement
of SMS blasting to Branch Support -
inform concerned Branch
member on the
crediting of loan
proceeds to his
payroll account

hours and 43
minutes
queue.
12
97
3. Employer
9. Employer Registration
Registration
Employer registration enables employers to register with the Fund and secure their Pag-IBIG
Employer ID Number.
This service shall start from the receipt of accomplished Employers Data Form (EDF) and
required documents up to the issuance of the Pag-IBIG Employer ID Number.
Office or Division: ▪ Member Services I - Marketing and Sales - Pag-IBIG Fund Branch
▪ Data Center Department (DCD)
Classification: Simple Transaction
Type of Transaction: G2C – Government to Client
Who may avail: Coverage under the Fund shall be mandatory to the following:
▪ Employers of employees’ compulsory covered by the SSS. These shall

include private employers previously granted waiver or suspension.
▪ The Government, its national and local offices, political subdivisions,
branches, agencies or instrumentalities, government-owned and
controlled corporations (GOCCs), including the Armed Forces of the
Philippines, Bureau of Fire Protection, the Bureau of Jail Management
and Penology, and the Philippine National Police.

1. Employers Data Form (HQP-PFF-002) Pag-IBIG website (www.pagibigfund.gov.ph) or in any
(1 Original) Pag-IBIG Fund Branch
2. Present the following as proof of business

existence:
For Sole Proprietorship

Department of Trade and Industry (DTI) Department of Trade and Industry (DTI)
Certificate of Registration (1 Certified True
Copy)
Partnership/Corporation/Foreign-Owned
Corporation
▪ Securities and Exchange Commission Securities and Exchange Commission (SEC)
(SEC) Certificate of Partnership/
Incorporation (1 Certified True Copy)
▪ Approved Articles of Partnership/

Incorporation and By-Laws (1 Certified SEC
True Copy)
For Cooperative
1
98
▪ Cooperative Development Authority Cooperative Development Authority (CDA)
(CDA) Certificate (1 Certified True
Copy)
▪ Approved Articles of Cooperation (1 CDA
Certified True Copy)
For Trade Association

▪ Securities and Exchange Commission SEC
(SEC) Certificate of Incorporation (1
Certified True Copy)
▪ Articles of Incorporation and By-Laws SEC
(1 Certified True Copy)
FEES
PROCESSING PERSON
TIME RESPONSIBLE
PAID
and get a queue desired
number and wait transaction.
for the number to
be called.
2. Submit duly 2. Receive EDF None 15 minutes Marketing Specialist

accomplished EDF and required MS I - Marketing and
and present the documents and Sales - Branch
required supporting encodes
documents to employer details
Marketing in the system.
Specialist.
2.1 At cut-off period, None 2 days Data Center Department

the system shall (DCD)
perform
deduping
process prior
assignment of
ERID number.
TOTAL None 2 days and 45

minutes
NOTES:
a. Once the Pag-IBIG Employer ID Number is available, the employer shall receive a letter informing
them on the assigned Pag-IBIG Employer ID Number.
b. Registrant may also inquire their Employer ID No. through the Pag-IBIG Hotline or at any Pag-IBIG
Fund Branch after three (3) working days upon successful registration.
 The concerned employer may call telephone number 8724-4244 and request their Pag-IBIG
Employer ID number.
 The concerned employer/authorized representative may also visit any Pag-IBIG Fund Branch
and present one (1) valid ID to request their Pag-IBIG Employer ID number.
99 2
10.
5. Enroll
Enroll for Modified
for Modified Pag-IBIG
Pag-IBIG II (MP2)(Over-the-Counter)
II (MP2) Account Account (Over-the-Counter)
The Modified Pag-IBIG II (MP2) Program is special savings facility with a 5-year maturity, designed
for Pag-IBIG Fund members who wish to save more and earn even higher dividends, in addition to
their Pag-IBIG regular savings. The program is also open to pensioners and retirees who were former
Pag-IBIG members.
This service shall start from the receipt of Modified Pag-IBIG II Enrollment Form (MP2EF) up to
issuance of MP2 Account Number to concerned member-saver.
Office or
Member Services I - Marketing and Sales - Pag-IBIG Fund Branch
Division:
Type of
Transaction:
Who may avail: The program shall be open to the following:
▪ All Pag-IBIG I members regardless of their income.
▪ Former Pag-IBIG I members with other source of monthly income and/or
Pensioners, regardless of age, with at least 24 monthly savings prior to retirement
*Pensioners shall refer to a person who has retired and are receiving pension
under the following:
- Republic Act (RA) 8282 (Social Security Act of 1997);

- RA 8291 (The Government Service Insurance System Act of 1997);
- RA 660 (Magic 87);
- RA 1616 (Gratuity Benefit);
- RA 7699 (Portability Law);
- Presidential Decree (PD) 1146 (Pension or Cash Payment);
- PD 1650 (Amending Sec. 3 and 5 of PD No. 1638 entitled “Establishing a New
System of Retirement and Separation for Military Personnel of the Armed
Forces of the Philippines and for Other Purposes);
- RA 8551 (Philippine National Police Reform and Reorganization Act of 1998);
- RA 9263 (Bureau of Fire Protection and Bureau of Jail Management and
Penology Professionalization Act of 2004);
- RA 9993 (Philippine Coast Guard Law of 2009); and
- RA 9946 (An Act Granting Additional Retirement, Survivorship, and Other
Benefits to Members of the Judiciary, Amending for the Purpose Republic Act
No. 910. As Amended, Providing Funds Therefor and for other Purposes).

1. Modified Pag-IBIG II Enrollment Form Pag-IBIG website (www.pagibigfund.gov.ph) or in any Pag-
(HQP-PFF-226) (2 Original) IBIG Fund Branch
2. Valid ID acceptable to the Fund Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP, LGU,
(1 Original) OWWA, POEA, MARINA, Post Office, COMELEC,
PhilHealth, NBI, Local Police Station, BOI, Barangay,
NCWPD, or DSWD
1
100
AGENCY FEES TO PROCESSING PERSON
CLIENT STEPS
ACTION BE PAID TIME RESPONSIBLE
Information number for the Branch
Officer and get a desired
queue number transaction.
and wait for the
number to be
called.
2. Submit MP2 2. Receive MP2 None 5 minutes Marketing Specialist

Enrollment Form Enrollment Form Member Services I -
and required and required Marketing and Sales -
document to the document from Branch
Marketing member.
Specialist.
2.1 Evaluate the None 30 minutes

enrollment form
and check the
following:
- Ensure that the
applicant has
assigned
Pag-IBIG MID
Number and
with posted
Pag-IBIG
membership
savings.
- For
pensioners,
check
member’s
record and
ensure that the
same had at
least 24
monthly
savings prior
retirement.
Note:
In case of
disqualification, a
Notice of
Disapproval of
Request shall be
issued to the
applicant.
2
101
2.2 Explain the None 5 minutes
terms and
conditions of the
program.
2.3 Process None 10 minutes

enrollment and
encodes
member’s
details in the
system.
2.4 Issue system- None 5 minutes

generated
MP2EF
reflecting the
MP2 Account
Number to the
concerned
member.
2.5 Advise None 5 minutes

concerned
member to
proceed to the
Payment
Screener to
initiate over-the-
counter payment
of MP2
membership
savings.
1 hour and 30
TOTAL: None
minutes
* Time indicated shall include waiting time of the transacting clients and shall depend on the number
on queue.
3
102
11.Enroll
6. Enrollfor for Modified
Modified Pag-IBIG
Pag-IBIG II (MP2)(Salary
II (MP2) Account Account (Salary
Deduction) Deduction)
The Modified Pag-IBIG II (MP2) Program is special savings facility with a 5-year maturity, designed
for Pag-IBIG Fund members who wish to save more and earn even higher dividends, in addition to
their Pag-IBIG regular savings. The program is also open to pensioners and retirees who were former
Pag-IBIG members.
This service shall start from receipt of Modified Pag-IBIG II Enrollment Form (MP2EF) up to issuance
of MP2 Account Number to concerned member-saver.
Office or
Division:
Type of
Transaction:
Who may avail: The program shall be open to the following:
▪ All Pag-IBIG I members regardless of their income.
▪ Former Pag-IBIG I members with other source of monthly income and/or
Pensioners, regardless of age, with at least 24 monthly savings prior to retirement
*Pensioners shall refer to a person who has retired and are receiving pension under
the following:
- Republic Act (RA) 8282 (Social Security Act of 1997);

- RA 8291 (The Government Service Insurance System Act of 1997);
- RA 660 (Magic 87);
- RA 1616 (Gratuity Benefit);
- RA 7699 (Portability Law);
- Presidential Decree (PD) 1146 (Pension or Cash Payment);
- PD 1650 (Amending Sec. 3 and 5 of PD No. 1638 entitled “Establishing a New
System of Retirement and Separation for Military Personnel of the Armed
Forces of the Philippines and for Other Purposes);
- RA 8551 (Philippine National Police Reform and Reorganization Act of 1998);
- RA 9263 (Bureau of Fire Protection and Bureau of Jail Management and
Penology Professionalization Act of 2004);
- RA 9993 (Philippine Coast Guard Law of 2009); and
- RA 9946 (An Act Granting Additional Retirement, Survivorship, and Other
Benefits to Members of the Judiciary, Amending for the Purpose Republic Act
No. 910. As Amended, Providing Funds Therefor and for other Purposes).

1. Modified Pag-IBIG II Enrollment Form Pag-IBIG website (www.pagibigfund.gov.ph) or in any Pag-
(1 Original) OWWA, POEA, MARINA, Post Office, COMELEC,
NCWPD, or DSWD
103
FEES TO PROCESSING PERSON
BE PAID TIME RESPONSIBLE
Officer and get desired
a queue transaction.
number and
wait for the
number to be
called.
2. Submit MP2 2. Receive MP2 None 5 minutes Marketing Specialist

Enrollment Enrollment Form MS I - Marketing and Sales
Form and and required - Branch
required document from
document to member.
the Marketing
Specialist.
2.1 Evaluate the None 30 minutes

enrollment form
and check the
following:
- Ensure that the
applicant has
assigned
Pag-IBIG MID
Number and
with posted
Pag-IBIG
membership
savings.
- For pensioners,
check
member’s
record and
ensure that the
same had at
least 24
monthly savings
prior retirement.
Note:
In case of
disqualification, a
Notice of
Disapproval of
Request shall be
issued to the
applicant.
104
2.2 Explain the terms None 5 minutes
and conditions of
the program.
2.3 Process None 10 minutes

enrollment and
encode member’s
details in the
system.
2.4 Issue system- None 5 minutes

generated MP2EF
reflecting the MP2
Account Number
to the concerned
member.
2.5 Advise the None 5 minutes

concerned
member to submit
the MP2EF to his
employer to
initiate payment of
MP2 savings
through salary
deduction.
1 hour and 30
TOTAL: None
minutes
on queue.
3
105
12. IssuanceofofDisbursement
29. Issuance Disbursement Card
Card to to Qualified
Qualified Member-Applicant
Member-Applicant
This refers to the issuance of disbursement card to qualified Pag-IBIG member-applicant who opt to
release his/her loan proceeds thru the said mode.
This service shall start from the receipt of enrollment form, as applicable, up to issuance of
disbursement card to qualified Pag-IBIG member-applicant.
Office or Division: Member Services II – Frontline Servicing – Branch

Classification: Simple
Who may avail: Qualified Pag-IBIG Member-Applicant
▪ CHECKLIST OF REQUIREMENTS WHERE TO SECURE
▪ Disbursement Card Application/Enrollment Pag-IBIG Fund Branch
Form
▪ Photocopy of two (2) valid IDs Qualified Pag-IBIG Member-Applicant
CLIENT STEPS AGENCY ACTION FEES TO PROCESSING PERSON
1. Apply for 1. Explain the terms and
disbursement card conditions of
as mode of release issuance of
of the approved loan disbursement card to
proceeds. member-applicant.
1.1 Inform member-

applicant that the
cost of Member
disbursement card None 15 Minutes Services
shall be deducted Officer
from his/her loan Member
proceeds. Services II -
Frontline
1.2 Issue Servicing -
Branch
Disbursement Card
Application/
Enrollment Form to
member-applicant.
106
2. Submit the required 2. Receive and check
documents. completeness of the
required documents.
2.1 Issue
Disbursement
Card/Package Unit
ID (PUID) and PIN
Mailer to member-
applicant.
2.2 For member-

applicant with
existing
disbursement card,
encode
disbursement card
number/ PUID in
the system and
verify the expiration
date of Member
disbursement card. Services
None 2 Hours Officer
NOTE: If expired, (process (process Member
member- steps 2 to steps 2 to 2.4) Services II -
applicant may 2.4) Frontline
Servicing -
opt to
Branch
replace/avail a (process
new steps 2 to 2.4)
disbursement
card from
different partner
bank.
Processing shall
go to Process
Step 1 to 2.1.
2.3 Ensure correctness

of encoded
disbursement card
number/PUID
against photocopy
of the card/PUID.
2.4 Request member-

applicant to submit
107
a photocopy of
disbursement card.
3. Provide photocopy 3. Upon receipt of None 5 Minutes Member Services

of disbursement photocopy of Officer
card. disbursement card, Member Services
indicate disbursement II - Frontline
Servicing -
card number in STL
Branch
application.
NOTE: On scheduled
date, the
Member
Services
Officer
(Frontliner)
shall transmit
the
Disbursement
Card
Application/
Enrollment
Form to
partner banks,
as applicable.
2 Hours, 20
TOTAL: None
Minutes
Notes:
1. For member-applicant with existing
disbursement card, encode disbursement card
number/PUID in the system to verify its
expiration date. The system shall automatically
determine if disbursement card is expired or not.
2. The member-applicant may opt to replace/avail
a new disbursement card from different partner
bank or change the mode of release.
3. For some partner banks who does not require
the Disbursement Card Application/Enrollment
Form, the mandatory information from the
qualified member-applicant were already
incorporated in the Multi-Purpose Loan
Application Form (MPLAF)/Calamity Loan
Application Form (CLAF).
108
13. Issuance
4. Issuance of Pag-IBIG
of Pag-IBIG LoyaltyLoyalty Card Plus
Card Plus
The Pag-IBIG Fund Loyalty Card Program provides eligible Pag-IBIG Fund member added benefits
and savings in the form of discounts and rewards points through the purchase of their priority needs
from the accredited partner-merchants. The said Program also provides convenience to members
availing of loans, provident benefits claim, and/or MP2 annual dividend payout by handling the
proceeds of their loans/claims/dividends directly credited to the Pag-IBIG Fund Loyalty Card Plus
thus, making it a Loyalty Card and Disbursement Card at the same time. Further, the Program
serves as tool in updating members’ data base at no extra cost to the Fund.
This service shall start from the receipt of the Pag-IBIG Loyalty Card Plus Application Form up to
issuance of the Pag-IBIG Loyalty Card Plus to the member.
▪ Member Services I - Marketing and Sales - Pag-IBIG Fund Branch

Office or Division:
▪ Accredited Partner-Bank
Type of Transaction: G2C - Government to Client

Who may avail: The Program is open to all Pag-IBIG member who satisfy the following:
 With Pag-IBIG MID Number
 Membership status is active
 Membership record is updated

1. Loyalty Card Plus Application Form Pag-IBIG website (www.pagibigfund.gov.ph) or in any Pag-
(1 Photocopy) OWWA, POEA, MARINA, Post Office, COMELEC,
NCWPD, or DSWD
NOTE:
In all instances wherein photocopies are submitted, the original document must be presented for
authentication.

CLIENT STEPS
Information number for Branch
Officer and get a Loyalty Card Plus
queue number enrollment.
and wait for the
number to be
called.
109
2. Submits Loyalty 2. Receives Loyalty None 10 minutes Marketing Specialist
Card Plus Card Plus Member Services I -
Application Form Application Form Marketing and Sales -
and required and required Branch
documents to the document from
Marketing member.
Specialist.

application and
check the
following:
- If form is
completely
filled-out
- If member is
registered and
with assigned
Pag-IBIG MID
Number
- If membership
status is active.
- If member’s
record is
updated.
2.2 Advise member None 30 minutes*

to proceed to the
Partner-Bank
Operator for
enrollment
3. Present Loyalty 3. Receive Loyalty None 5 minutes Partner Bank Operator

Card Application Card Application Accredited Partner-Bank
Form and Form and
required required
document to document from
Partner Bank member.
Operator for data
capturing and
card printing.
3.1 Verify member’s None 10 minutes

details in the
system and
request member
to pay the
corresponding
card fee.
110
4. Pay the amount 4. Prepare and PHP125.00 3 minutes
due for the card issue Official
fee to the Partner Receipt to the
Bank Operator. concerned
member.
4.1Encode/capture None 10 minutes

member’s
information, photo
and biometrics.
4.2Prior to printing, None 2 Minutes

ensure
correctness of
member’s
information to
appear in the
card.
4.3Print the None 5 minutes

Pag-IBIG Loyalty
Card Plus.
4.4Issue Pag-IBIG None 10 minutes

Loyalty Card Plus
together with PIN
Mailer and
envelope kit to
the member.
4.5Require the None 2 minutes

member to sign in
a log sheet as
acknowledgement
receipt for the
card.
2 hours, 7
TOTAL: Php125.00
minutes
* Time indicated shall include waiting time of the transacting client and shall depends on the number of queue.
111
14.
31. Issuance
Issuance of
of Payment
Payment Order
Order Form (POF) and Acceptance of Remittance
Acceptance of for
Remittance for
Membership Savings
Membership Savings(MS)/payment
(MS)/paymentofof
Loan Amortization
Loan andand
Amortization Other Amounts
Other due
Accounts
to the
due toFund through
the Fund Over-the-Counter
through (OTC) (Member
Over-the-Counter Services)
(OTC) (Member Services)
This service allows the Payor to remit/pay various amounts due or voluntary savings to the Fund
through over-the-counter (OTC). This covers various provident-related payment transactions, which
shall not be limited to the following:
1. Savings-related
▪ Membership Savings (MS)

▪ Modified Pag-IBIG II (MP2)
2. Short-Term Loan (STL)-related
▪ Multi-Purpose Loan (MPL)

▪ Calamity Loan
3. Housing-related
▪ Housing Loan (HL) amortization

▪ Full payment of HL obligation
▪ HL processing fee
▪ Appraisal fee
▪ Conversion cost
4. Disposal of Pag-IBIG Fund Acquired Assets
▪ Full payment of selling price

▪ Reservation fee
▪ Down payment/Bidder’s Bond
▪ Equity
▪ Processing Fee (for sale through long-term installment to be paid upon submission of
requirements)
▪ Advance Sales/Redemption Insurance (MRI/SRI) premiums
▪ Advance Fire and Allied Perils Insurance (FAPI) premiums
▪ Interim interest
▪ Monthly installment (for short-term installment)
▪ Advance monthly installment
▪ Monthly rental
▪ Advance rent (for lease with option to purchase, upon signing of contract of lease)
▪ Security deposit (for lease with option to purchase, upon signing of contract of lease)
▪ Cash bond (for negotiated sale-bulk sale)
5. Other Amounts due
▪ Corresponding penalties due to remittance beyond due date

▪ Re-filing or re-evaluation of HL application
▪ Inspection in excess of four (4) inspections for accounts with staggered releases (e.g.,
home improvement and house construction)
▪ Handling fee per additional Check issued for split payment of HL proceeds
112
This service shall start from the receipt of supporting documents from Payor for the issuance of
Payment Order Form (POF) up to issuance of Pag-IBIG Fund Official Receipt (PFOR) to
Payor.
Office or Division: ▪ Member Services II – Frontline Servicing – Branch

▪ Branch Support – Branch
Who may avail: Pag-IBIG Fund members/member-borrowers and non-Pag-IBIG members
(only for sale of Acquired Assets through cash or short-term installment
[12 months])
A. REQUIREMENTS FOR ISSUANCE OF PAYMENT ORDER FORM (POF)
For Individual Payor, any of the following:
▪ Pag-IBIG Fund Loyalty Card Plus
(original/photocopy)
▪ Latest Pag-IBIG Fund Official Receipt (PFOR,
Pag-IBIG Fund
original/photocopy)
▪ Monthly Short-Term Loan (STL)/Housing Loan
(HL) Billing Statement (MSBS/MHBS)
For Employer, any of the following, in soft
copy:
1.1 For MS, Membership Savings Remittance
Form (MSRF, HQP-PFF-053)
1.2 For STL, Short Term-Loan Remittance Form
(STLRF, HQP-SLF-017) Employer
1.3 For HL, Statement of Payroll Deduction/
Housing Loan Amortization Remittance Form
(HLARF)
B. REQUIREMENTS FOR REMITTANCE OF MS/PAYMENT OF LOAN AMORTIZATION AND
OTHER AMOUNTS DUE TO THE FUND
Payment Order Form (POF)
▪ For provident-related, HQP-PFF-100
▪ For housing-related
➢ Developer, HQP-HLF-027 Pag-IBIG Fund
➢ ROPA, HQP-AAF-006
➢ Appraisal Fee, HQP-WLF-185
113
A. ISSUANCE OF PAYMENT ORDER FORM (POF)
1. On or before the 1. Determine the type of
scheduled date of transaction the
remittance/payment, payment is intended.
proceed to Frontline
1.1 Request the Payor
Servicing Counter,
to present and/or
request for Payment
submit any of the
Order Form (POF),
following, per type
and wait for the
of transaction:
number to be called.
For Individual Payor (IP),
whichever is applicable 20 Minutes
▪ Pag-IBIG Fund
Loyalty Card Plus
▪ Latest PFOR
▪ MSBS/MHBS
For Employer Member
▪ For MS, MSRF Services
▪ For STL, STLRF None Officer
▪ For HL, Statement of Member
Payroll Deduction/ Services II –
HLARF Frontline
Servicing -
1.2 Generate and issue Branch
POF to Payor or
Employer.
2. Receive the POF 2. Advise the Payor or
from Member Employer to proceed
Services Officer. to payment counter 5 Minutes
and present POF/
other supporting
documents, as
applicable, for
remittance/
payment.
TOTAL: None 25 Minutes
114
B. ACCEPTANCE OF MS REMITTANCE/LOAN AMORTIZATION PAYMENT AND OTHER
AMOUNTS DUE TO THE FUND
3. Submit POF to 3. Upon receipt of
Cashier. POF and/or
supporting
documents (as
applicable), access
the system and
encode the POF
Number/Borrower’s None 5 Minutes
Name.
3.1 Ensure that details

reflected in the
system are
matched with POF.
Cashier
Branch Support-
4. Remit MS/pay loan 4. Receive actual Depends
Branch
amortization and Cash/Check from on the
other amounts due Payor or Employer. amount
to the Fund and due per
receive PFOR. 4.1 Ensure that type of
Cash/Check transac- 20
received is matched tion Minutes
with the amount (Cash and
being paid. dated Check)
4.2 Generate and sign 25 Minutes

Pag-IBIG Fund (Postdated
Official Receipt Check)
(PFOR, HQP-TMF-
015).
4.3 Issue PFOR to

Payor/Employer.
Depends
TOTAL:
on the
amount
Cash and Dated Check due per 25 Minutes
type of
transac-
Postdated Check 30 Minutes
tion
115
Notes:
1. For Payor with invalid MID No., the Payment
Screener may use the member’s name with date
of birth to get the member’s details.
2. Once the Payor’s details have been encoded,
the system shall automatically:
▪ Verify the validity of Payor’s MID No.
▪ Determine the Branch the payment is due.
3. If the employer has employees without assigned
Pag-IBIG MID No., advise the employer that the
member’s payment shall not be posted in the
employee’s subsidiary ledger (SL).
4. Employer must submit a revised MSRF/STLRF
reflecting a complete MID Nos. of its concerned
employees.
5. The system will automatically capture the
“period covered” and “amount due” reflected in
the uploaded file.
6. The uploaded remittance file shall appear in the
Payment Order Form Screening Window.
7. The system will automatically match the amount
encoded in the system against the amount
reflected in remittance file. If the amount
encoded does not match, the remittance file
shall not be served.
8. The uploading of remittance file shall proceed
once the information of the member is updated.
9. The system will automatically compute the total
amount due for HL amortization.
10. For payment of HL amortization, the borrower
shall be advised that for his/her succeeding
payment, he/she may pay his/her HL
amortization to the Fund’s accredited collecting
partners such as Bayad Center, SM Business
Center, etc.
11. For remittance/payment using Post-dated
Check (PDC), an Acknowledgement Receipt
(AR) shall be issued to the Payor upon receipt of
remittance/payment.
116
30. Process
15. Process Enrollment
EnrollmentofofEmployer
Employertotothe Electronic
the Submission
Electronic of Remittance
Submission of
Schedule (eSRS) Facility
Remittance Schedule (eSRS) Facility
This service refers to the enrollment process of employers with nine (9) and below employees and
their respective authorized users to the eSRS Facility of the Fund. This aims to facilitate the online
submission of remittance schedule of employers.
This service shall start from the receipt of eSRS Employer Enrollment Form from the Employer up
to approval of the said enrollment.
Office or Division: Member Services II – Frontline Servicing – Branch

Who may avail: Employer with employees nine (9) and below
▪ eSRS Employer Enrollment Form (HQP-TMF- Pag-IBIG Fund website
190) (www.pagibigfund.gov.ph)
▪ Signature Specimen Form (HQP-PFF-003) Pag-IBIG Fund Intranet Portal
1. Visit Pag-IBIG Fund 1. Upon receipt of
website at accomplished eSRS
www.pagibigfund.go Employer Enrollment
v.ph Form, access PFMS
1.1 Select system and check the
“Downloadable completeness of
Form”. details in the
enrollment form
1.2 Download and against the Member
accomplish the registration Services Officer
eSRS Employer information in the 30 Minutes Member
Enrollment Form. system. None Services II –
Frontline
1.3 Nominate an 1.1 Verify the signature Servicing –
authorized user. of Employer or Branch
authorized personnel
1.4 Sign and submit the in the enrollment
eSRS Employer form against the
Enrollment Form to Specimen Signature
Pag-IBIG Servicing Form (SSF).
Branch.
117
1.2 Ensure that the
employee has
Pag-IBIG MID
Number.
Member
1.3 Generate monthly Services Officer
remittance template None 30 Minutes Member
based on previous Services II –
remittance details. Frontline
Servicing –
1.4 Save Employer Branch
enrollment in the
system.
NOTE: The system

shall
automatically
send an
email
notification to
the employer
concerning
approval of
enrollment to
the
Employer’s
authorized
user or user
account
access.
TOTAL: None 1 Working Day

Notes:
1. The following data elements are mandatory
during enrollment:
▪ Employer ID Number
▪ Employer/Business Name
▪ Pag-IBIG Servicing Branch
▪ Employer Address
▪ Any Contact Number (e.g., direct line, cell
phone number)
▪ Employer Authorized User
- Pag-IBIG MID Number
- Name
- Designation
- User Name
- Email Address
- Cell Phone Number
118
2. The accomplished eSRS Employer Enrollment
Form shall be done by the Employer himself or
any authorized personnel.
3. The Pag-IBIG Servicing Branch refers to the
branch of account of the Employer.
4. If there is a discrepancy on address and contact
details of the employer, request employer to
submit the Employer’s Change of Information
Form.
5. In case there is a discrepancy in information, the
employer shall be advised to re-submit the eSRS
Enrollment Form once the registration
information has been updated.
6. The Employer must have an initial payment with
Pag-IBIG Branch prior to enrollment to the
facility.
7. The authorized user must have an email account
for every enrolled account in the Fund.
119
16.Membership
1. Membership Registration
Registration at the at the Branch
Branch (Employee-Assisted)
(Employee-Assisted)
Membership registration enables employed and/or self-employed individuals to register with the
Fund and secure their Pag-IBIG Membership ID (MID) Number. Membership registration with the
Fund may either be mandatory or voluntary.
This service shall start from the registration at the Pag-IBIG Branch kiosk up to the issuance of
the Pag-IBIG MID Number.
Who may avail: Mandatory Coverage:
Coverage under the Fund shall be mandatory to the following:
▪ 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:
 A private employee, whether permanent, temporary, or provisional who is

not over sixty (60) years old;
 A household helper earning at least P1,000.00 a month. A household
helper is any person who renders domestic services exclusively to a
household such as a driver, gardener, cook, governess, and other similar
occupations;
 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;
 A self-employed person regardless of trade, business or occupation, with
an income of at least P1,000.00 a month and not over sixty (60) years
old;
▪ All employees who are subject to mandatory coverage by the Government

Service Insurance System (GSIS), regardless of their status of appointment,
including members of the judiciary and constitutional commissions;
▪ 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;
▪ Filipinos employed by foreign-based employers, whether they are deployed
here or abroad or a combination thereof.
Voluntary Coverage:
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.
1
120
The following shall be allowed to apply for voluntary membership:
▪ 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;
▪ Filipino employees of foreign government or international organization, or
their wholly owned instrumentality based in the Philippines, in the absence
of an administrative agreement with the Fund;
▪ Employees of an employer who is granted a waiver or suspension of
coverage by the Fund under RA 9679;
▪ Leaders and members of religious groups;
▪ A member separated from employment, local or abroad, or ceased to be self-
employed but would like to continue paying his/her personal contribution.
Such member may be a pensioner, investor, or any other individual with
passive income or allowances;
▪ 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;
▪ Such other earning individuals/groups as may be determined by the Board
by rules and regulations.

None None
FEES TO BE PROCESSING
CLIENT STEPS AGENCY ACTION PERSON RESPONSIBLE
PAID TIME
Officer and get a desired
queue number transaction.
and wait for the
number to be
called.
2. Register online 2. Assist registrant None 15 minutes Marketing Specialist
using the to register online. MS I – Marketing and
dedicated Sales
computers for
online
registration.
2.1 At cut-off period, None 2 days Data Center Department

the system shall (DCD)
perform deduping
process prior
assignment of
MID number.
TOTAL None 2 days and

45 minutes
2
121
NOTES:
a. Registrant with cellphone number will receive a Short Message Service (SMS) notification informing
him of the Registration Tracking Number (RTN), upon successful registration. Once the Pag-IBIG
MID Number is available, the member will receive instruction on how to get the Pag-IBIG Membership
ID (MID) Number thru SMS.
b. Registrant without cellphone number may get their MID No. through the Pag-IBIG Hotline or at any
Pag-IBIG Fund Branch after three (3) working days upon successful registration.
 The registrant may call telephone number 8724-4244 and request his Pag-IBIG MID number,
provided that the registrant shall be able to answer at least three (3) security questions correctly,
to establish his identity.
 The registrant may also visit any Pag-IBIG Fund Branch and present one (1) valid ID to request
his Pag-IBIG MID number.
122 3
2. Membership
17. MembershipRegistration thru Submission
Registration of MDF of MDF
thru Submission
Membership registration enables employed and/or self-employed individuals to register with the
Fund and secure their Pag-IBIG Membership ID (MID) Number. Membership registration may
either be mandatory or voluntary.
This service shall start from the receipt of accomplished Member’s Data Form (MDF) up to the
issuance of the Pag-IBIG MID Number.
Who may avail: Mandatory Coverage:
Coverage under the Fund shall be mandatory to the following:
▪ 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:
 A private employee, whether permanent, temporary, or provisional who is

not over sixty (60) years old;
 A household helper earning at least P1,000.00 a month. A household
helper is any person who renders domestic services exclusively to a
household such as a driver, gardener, cook, governess, and other similar
occupations;
 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;
 A self-employed person regardless of trade, business or occupation, with
an income of at least P1,000.00 a month and not over sixty (60) years old;
▪ All employees who are subject to mandatory coverage by the Government

Service Insurance System (GSIS), regardless of their status of
appointment, including members of the judiciary and constitutional
commissions;
▪ 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;
▪ Filipinos employed by foreign-based employers, whether they are deployed
here or abroad or a combination thereof.
Voluntary Coverage:
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,
123
they shall be subject to the eligibility requirements in the event of availment of
loans and other programs/benefits offered by the Fund.
The following shall be allowed to apply for voluntary membership:
▪ 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;
▪ Filipino employees of foreign government or international organization, or
their wholly owned instrumentality based in the Philippines, in the absence
of an administrative agreement with the Fund;
▪ Employees of an employer who is granted a waiver or suspension of
coverage by the Fund under RA 9679;
▪ Leaders and members of religious groups;
▪ A member separated from employment, local or abroad, or ceased to be
self-employed but would like to continue paying his/her personal
contribution. Such member may be a pensioner, investor, or any other
individual with passive income or allowances;
▪ 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;
▪ Such other earning individuals/groups as may be determined by the Board
by rules and regulations.
Member’s Data Form (HQP-PFF-039) Pag-IBIG website (www.pagibigfund.gov.ph) or in any
(1 Original) Pag-IBIG Fund Branch
CLIENT STEPS
number and wait transaction.
for the number to
be called.
2. Submit duly 2. Receive MDF None 15 minutes Marketing Specialist
accomplished MDF and encodes MS I - Marketing and
to Marketing data in the Sales
Specialist. system.
2.1 At cut-off None 2 days Data Center Department

period, the (DCD)
system shall
perform
deduping
process prior
assignment of
MID number.
TOTAL None 2 days and 45
minutes
124 2
NOTES:
a. Registrant with cellphone number will receive a Short Message Service (SMS) notification informing
him of Registration Tracking Number (RTN), upon successful registration. Once the Pag-IBIG MID
Number is available, the member will receive instruction on how to get the Pag-IBIG Membership
ID (MID) Number thru SMS.
b. Registrant without cellphone number may get their MID No. through the Pag-IBIG Hotline or at any
Pag-IBIG Fund Branch after three (3) working days upon successful registration.
 The registrant may call telephone number 8724-4244 and request his Pag-IBIG MID number,
provided that the registrant shall be able to answer at least three (3) security questions correctly,
to establish his identity.
 The registrant may also visit any Pag-IBIG Fund Branch and present one (1) valid ID to request
his Pag-IBIG MID number.
125 3
18. Request
11. Request forfor Accreditation
Accreditation ofCoordinator
of Fund Fund Coordinator
(FC) (FC)
A Fund Coordinator refers to the person that liaises between Pag-IBIG Fund and the employer of a
business with more than fifty (50) employees, to communicate and coordinate with the Fund’s
activities.
The accredited Fund Coordinator shall:

 Act as the official representative of the company in its official transaction with the Fund;
 Ensure that their employees have Pag-IBIG Members Identification (MID) Number prior
submission of remittance list of their employees to the Fund;
 Serve as an official link between the Fund and employee-members about the Fund programs
and activities;
 Facilitate participation of employer in Pag-IBIG programs; and
 Attend all meetings/forums/assemblies called by the Fund.
This service shall start from receipt of Fund Coordinator Nomination Form up to issuance of Fund
Coordinator Identification Card to concerned Fund Coordinator (FC).
Office or
Division:
Type of
G2B - Government to Business Entity
Transaction:
Who may avail: The nominee for Fund Coordinator must:
▪ Be a regular employee of the company with sufficient discretion preferably from
the Human Resource Department or Accounting Department;
▪ Be capable of imparting information to co-employees;
▪ Be of known probity;
▪ Be an active Pag-IBIG Fund member under the company s/he represents and if
with existing Short-Term Loan (STL), the account must be updated; and
▪ Have an active official email account.

1. Fund Coordinator Nomination Form Pag-IBIG website (www.pagibigfund.gov.ph) or in any
(FCNF, HQP-PFF-067) (2 Originals) Pag-IBIG Fund Branch
2. Company ID (1 Photocopy) and valid ID Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP, LGU,
acceptable to the Fund (1 Photocopy) OWWA, POEA, MARINA, Post Office, COMELEC,
3. Valid ID of Head of Office or Authorized PhilHealth, NBI, Local Police Station, BOI, Barangay,
Signatory (2 Photocopies) NCWPD, or DSWD
4. Two (2) latest 1x1 ID photo
1
126
FEES
PROCESSING
TIME
PAID
Officer and get desired transaction.
a queue
number and
wait for the
number to be
called.
2. Submit duly 1. Receive duly None 5 minutes Marketing Specialist

accomplished accomplished FCNF Member Services I -
FCNF and and required Marketing and Sales -
required documents from Branch
documents to applicant.
the Marketing
Specialist.
2.1 Check correctness None 10 minutes

of FC’s details and
authenticity of
signature of the
authorized signatory
in the nomination
form against the
SSF on file or in the
intranet portal.
2.2 Determine eligibility None 2 hours

of the nominee
based on the
eligibility
requirement.
Note:
For disqualified
applications, issue
Notice of Disapproval
of Request to the
concerned employer.
2.3 Review and approve None 1 day** Supervising Member

the nomination form. Services Officer
Member Services I -
Marketing and Sales -
Branch
Branch Head
2
127
2.4 Prepare and issue None 1 day** Marketing Specialist/
Letter to Employer Supervising Member
re: Issuance of FC Services Officer/Branch
ID and FC Head
Identification Card Member Services I -
to concerned Marketing and Sales -
employer. Branch
2 days and 2
TOTAL: None hours and 45
minutes
**The activity is being done in batch and may be done at the end of the day.
128
19. Request
13. forCertificate
Request for Certificate of Full
of Full Payment
Payment
The Certificate of Full Payment (HQP-SLF-057) is a certification issued to members with
fully-paid Multi-Purpose Loan (MPL) or Calamity Loan. The same shall be issued to the
concerned member upon request.
This service shall start from the receipt of request from the member up to issuance of the
Certificate of Full Payment.
Office or Division: ▪ Member Services II - Frontline Servicing - Pag-IBIG Fund Branch

▪ STL Accounting Division - Technical and Admin. Support (STLAD-
TAS)
Who may avail: All Pag-IBIG Members
1. Pag-IBIG Fund Request Slip (2 Originals) Pag-IBIG website (www.pagibigfund.gov.ph)
or in any Pag-IBIG Branch
2. Valid ID acceptable to the Fund Employer, DFA, LTO, PRC, SSS, GSIS,
(2 Photocopies) GOCC, IBP, LGU, OWWA, POEA, MARINA,
Post Office, COMELEC, PhilHealth, NBI,
Local Police Station, BOI, Barangay,
NCWPD or DSWD
FEES
BE TIME RESPONSIBLE
PAID
1. Proceed to the 1. Provide queue None 30 minutes* Information
Information Officer number for the Officer
and get a queue desired transaction. Branch
number and wait
for the number to
be called.
2. Submit Pag-IBIG 2. Receive Pag-IBIG None 5 minutes Member Services

Fund Request Slip Fund Request Slip Officer
and required and required Member Services
document to the documents from II - Frontline
Member Services member. Servicing -
Officer. Branch
129 1
check member’s
record against the
documents
submitted.
2.2 Verify and ensure None 15 minutes

that the Multi-
Purpose Loan
(MPL)/Calamity
Loan (CL) of the
concerned member
is fully-paid.
Note:
In cases where the
member’s existing
MPL/CL is not yet fully
paid, a Notice of
Disapproval of Request
shall be issued to the
member- borrower.
2.3 Sign copy 2 of the None 3 minutes

request to
acknowledge
receipt of the
request and
indicate scheduled
date of release.
2.4 Issue copy 2 of the None 2 minutes

request to the
concerned
member.
2.5 Compile and None 1 day**

endorse all
received request to
STLAD - TAS on
the following
working day.
2.6 View member- None 5 minutes Accounts

borrowers loan Specialist
details in the STL Accounting
system and ensure Division -
that the member- Technical and
borrower’s existing Admin. Support
loan is fully-paid.
130 2
2.7 Prepare Certificate None 3 minutes
of Full Payment.
2.8 Review and None 1 day** Head

approve/ STL Accounting
disapprove of Division -
Certificate of Full Technical and
Payment and Admin. Support
endorse to
concerned branch
for releasing.
3. On scheduled date of 3. Provide queue None 30 minutes* Information

release, proceed to number for the Officer
the Information Officer desired transaction. Branch
and get a queue
number to claim the
requested Certificate
of Full Payment and
wait for the number to
be called.
4. Present the 4. Issue the Certificate None 5 minutes Member Services

acknowledged of Full Payment to Officer
Request Slip to the the concerned Member Services
Member Services member. II - Frontline
Officer. Servicing -
Branch
2 days, 1 hour
TOTAL: None
and 43 minutes
* Time indicated shall include waiting time of the transacting clientss and shall depend on the number
on queue.
131 3
20. Request
12. forCertificate
Request for Certificate of No
of No Short-Term
Short-Term LoanLoan
(STL)(STL) Availment
Availment
The Certificate of No STL Availment (HQP-SLF-115) is a certification issued to members
with no record of Multi-Purpose Loan (MPL) or Calamity Loan as of date of request. The
same shall be issued to the concerned member upon request.
certificate.
Office or Division: Member Services II - Frontline Servicing - Pag-IBIG Fund Branch

(2 Photocopies) GOCC, IBP, LGU, OWWA, POEA, MARINA,
NCWPD or DSWD
FEES
BE TIME RESPONSIBLE
PAID
number and wait
for the number to
be called.
2. Submit Pag-IBIG 2. Receive Request Slip None 10 minutes Member Services

Member Request and required Officer
Slip and required document from Member Services
document to the member. II - Frontline
Member Services Servicing -
Officer. Branch

check member’s
record against the
documents
submitted.
132 1
that member has
no existing Multi-
Purpose Loan
(MPL)/Calamity
Loan (CL).
Note:
In cases where the
member has existing
MPL/CL, a Notice of
shall be issued to the
member.

Request to
acknowledge
receipt of the
request and
indicate scheduled
date of release.

Request to the
concerned
member.

facilitate approval
of Certificate of No
STL Availment.
2.6 Review and ensure None 1 day** Supervising

correctness of Member Services
details of Certificate Officer
of No STL Member Services
Availment. II - Frontline
Servicing -
Branch
2.7 Sign the Certificate None 1 day** Branch Head

of No STL
Availment to
indicate approval.
3. On scheduled date of 3. Provide queue None 30 minutes* Information

release, proceed to number for the Officer
the Information desired transaction. Branch
Officer and get a
queue number to
claim the requested
2
133
document and wait
called.
4. Present the 4. Issue the Certificate None 5 minutes Member Services

acknowledged of No STL Officer
Request Letter to the Availment to the Member Services
Member Services concerned member. II - Frontline
Officer. Servicing -
Branch
2 days, 1 hour
TOTAL: None
and 55 minutes
on queue.
134 3
21.
27. Request forComputation
Request for ComputationofofTotal
TotalProvident
Provident Obligation
Obligation of of Unregistered/
Delinquent Employers (More
Unregistered/Delinquent than 3(More
Employers months
thanin3arrears)
months in arrears)
The Computation of Total Provident Obligation (HQP-PFF-176) is a system-generated document
reflecting the details of the total provident obligation of the concerned employer with the Fund. The
same shall be issued to the concerned employer upon request.
This service shall start from the receipt of request from the employer up to issuance of the
Computation of Total Provident Obligations.
▪ Billing and Collection – Technical and Admin Support (BCD-TAS)
Type of Transaction: G2B – Government to Business Entity
Who may avail: All employers whose business operations is supposed to be mandatorily
covered by Pag-IBIG Fund but failed to register and/or remit the required Pag-
IBIG monthly mandatory savings with the Fund.
1. Pag-IBIG Fund Request Slip (2 Originals) Pag-IBIG website (www.pagibigfund.gov.ph) or in any
2. Membership Savings Remittance Form Pag-IBIG website (www.pagibigfund.gov.ph) or in any

(MSRF) (softcopy) Pag-IBIG Fund Branch
3. Payroll for applicable period/SSS R-3 Employer

(photocopy)
FEES
BE TIME RESPONSIBLE
PAID
number and wait for
the number to be
called.
2. Submit Pag-IBIG 2. Receive Pag-IBIG None 10 minutes Marketing Specialist

Fund Request Slip Fund Request Slip MS I - Marketing and
and required and required Sales - Branch
documents to the documents from
Marketing concerned employer.
Specialist.
Request Slip to
acknowledge
receipt of the
request and
indicates scheduled
date of release.
135
Request to the
concerned
employer.
2.3 Compile and None 1 day**

endorse all receive
request for
Computation of
Total Provident
Obligation with
more than 3
months in arrears.
2.4 On scheduled date, None 15 days Collection Officer BCD-

perform validation TAS
and computation of
total provident
obligation.
2.5 Review details of None 1 day** Supervising Collection

the Computation of Officer BCD-TAS
Total Provident
Obligations and
signs the
document.
2.6 Approve/ None 1 day** Division Chief III BCD-TAS

disapprove
Computation of
Total Provident
Obligation and
endorse to Branch
for releasing.
of release, proceed number for the Branch
to the Information desired transaction.
Officer and get a
queue number to
claim the requested
document and wait
called.
4. Present the 4. Issue the None 5 minutes Marketing Specialist
acknowledged Computation of MS I - Marketing and
Pag-IBIG Fund Total Provident Sales - Branch
Request Slip to the Obligation to the
Member Services concerned
Officer. employer.
18 days, 1 hour
TOTAL: None
and 20 minutes
on queue.
2
136
22.
26.Request forComputation
Request for Computation of Total
of Total Provident
Provident Obligation
Obligation of Unregistered/
of Unregistered/ Delinquent
Delinquent Employers (Unregistered Employers with up to 3 months in arrears)
Employers (Unregistered Employers with up to 3 months in arrears)
The Computation of Total Provident Obligation (HQP-PFF-176) is a system-generated document
reflecting the details of the total provident obligation of the concerned employer with the Fund. The
same shall be issued to the concerned employer upon request.
This service shall start from the receipt of request from the employer up to issuance of the
computation of total provident obligation.
Office or Division: Member Services I - Marketing and Sales - Pag-IBIG Fund Branch
Type of Transaction: G2B – Government to Business Entity
Who may avail: All employers whose business operations is supposed to be mandatorily
covered by Pag-IBIG Fund but failed to register with the Fund.
1. Pag-IBIG Fund Request Slip Pag-IBIG website or at any Pag-IBIG Branch
(2 Originals)
2. Membership Savings Remittance Form Pag-IBIG website or at any Pag-IBIG Branch

(MSRF) (softcopy)
3. Payroll for applicable period/SSS R-3 Employer

(photocopy)
FEES
BE TIME RESPONSIBLE
PAID
number and wait for
the number to be
called.
2. Submit Pag-IBIG 2. Receive required None 10 minutes Marketing Specialist

Fund Request Slip documents from Member Services I -
and required concerned employer. Marketing and Sales -
document to the Branch
Member Services
Officer.

Request Slip to
acknowledge
receipt of the
request and
indicates scheduled
date of release.
1
137
Request to the
concerned
employer.
2.3 On scheduled date, None 4 days

performs validation
and computation of
total provident
obligation.
2.4 Review details of None 1 day** Supervising Member

the Computation of Services Officer
Total Provident Member Services I -
Obligations and Marketing and Sales
signs the
document.
2.5 Review and sign None 1 day** Branch Head

Computation of
Total Provident
Obligation.

Officer and get a
queue number to
claim the requested
document and wait
called.
4. Present the 4. Issue the None 5 minutes Marketing Specialist

acknowledged Computation of Member Services I -
Request Slip to the Total Provident Marketing and Sales -
Member Services Obligation to the Branch
Officer. concerned
employer.
6 days, 1 hour
TOTAL: None
and 20 minutes
on queue.
2
138
23. Request
28. Request forfor Issuance
Issuance of Certificate
of Certificate of Employer’s
of Employer’s RegistrationRegistration
(COER) (COER)
The Certificate of Employer Registration (COER) is a certificate issued to employers which serves as
proof of registration with Pag-IBIG Fund. The said document is issued to registered employers upon
payment of their initial remittance of membership savings.
This service shall start upon the receipt of request from the employer/authorized representative up to
issuance of the certificate.
Office or
Member Services I - Marketing and Sales – Pag-IBIG Fund Branch
Division:
Classification: Complex Transactions
Type of
Transaction:
Who may avail: Employer/Authorized Representative
1. Letter Request (1 Original 1 Photocopy) Employer
2. One (1) valid ID acceptable to the Fund Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
(1 Photocopy) LGU, OWWA, POEA, MARINA, Post Office, COMELEC,
NCWPD, or DSWD
NOTE: In all instances wherein photocopies are submitted, the original document must
FEES
TO PROCESSING
BE TIME
PAID
1. Proceed to the 1. Provides queue None 30 minutes* Information Officer
Information number for the
a queue
number and
wait for the
number to be
called.
2. Submit Letter 2. Receive Letter and None 5 minutes MS I - MS – Branch/

and required required document Marketing Specialist
documents to from employer/
the Marketing authorized
Specialist. representative.
2.1 Check authenticity of None 10 minutes

the documents
submitted.
2.2 Accesses system and None 5 minutes

verify employer’s
registration details.
139
2.3 Verify employer’s None 5 minutes
ledger and ensures
that the concerned
employer has remitted
the initial remittance of
the membership
savings of their
employees and has
not been previously
issued with COER.

Letter to acknowledge
the receipt of the
request and indicates
the scheduled date of
release.

Letter to the
concerned employer/
authorized
representative.
Note:
In case of discrepancy/
inconsistency, a Notice
of Disapproval of
Request shall be issued
to the requestor.
2.6 Access the COER None 10 minutes

template and facilitate
printing of the
employer’s certificate
and Transmittal List.
2.7 Ensure correctness of None 1 day** Branch Head

the details of COER
and signs Transmittal
List to indicate
approval.
2.8 Endorse printed None 10 minutes

COER to Area Head
for signature.
2.9 Affix initials on the None 4 days** Area Head

COER to indicate
approval and return to
concerned Branch for
releasing.
2
140
3. On scheduled 3. Provide queue None 30 minutes* Information Officer
date of release, number for the
proceed to the desired transaction.
Information
Officer and get a
queue number to
claim the
requested
document and
wait for the
number to be
called.
4. Present the 4. Issue COER to the None 5 minutes MS II-FS-Branch

acknowledged employer/authorized Member Services Officer
Letter Request to representative.
the Member
Services Officer.
5 days, 1 hour
TOTAL: None
and 55 minutes
* Time indicated shall include waiting time of the transacting members and shall depends on the number on queue.
3
141
24. Request
19. Requestfor
forIssuance
IssuanceofofPag-IBIG
Pag-IBIGClearance
ClearanceCertificate
Certificate
The Pag-IBIG Clearance Certificate is a certificate issued to registered employer that
serve as proof of remittance of membership savings (MS) for a certain period and that the
concerned employer has no pending legal case filed at the time of the evaluation of
request.
This service shall start from the receipt of request from the employer/authorized
representative up to issuance of the clearance certificate.
Type of
Transaction:
1. Pag-IBIG Fund Request Slip (1 Original) Pag-IBIG website (www.pagibigfund.gov.ph)
2. Latest Pag-IBIG Fund Receipt or any proof Pag-IBIG Fund or Collecting Agents
of remittance (1 Photocopy)
3. Latest acknowledged Membership Savings Pag-IBIG Fund

Remittance Form (MSRF, HQP-PFF-053)
FEES
BE TIME RESPONSIBLE
PAID
Information number for the desired Officer
Officer and get a transaction. Branch
queue number
and wait for the
number to be
called.
2. Submit Pag-IBIG 2. Receive Pag-IBIG None 10 minutes Marketing

Fund Request Fund Request Slip Specialist
Slip and and required Member Services
required documents from I - Marketing and
documents to employer/ authorized Sales
the Marketing representative.
Specialist.
142
verify employer’s
details.

Pag-IBIG Fund
Request Slip to
acknowledge the
receipt of the request
and indicates the
scheduled date of
release.

Pag-IBIG Fund
Request Slip to the
concerned
employer/authorized
representative.
Note:
inconsistency/deficiency,
the Marketing Specialist
shall issue Notice of
to the Employer/
Authorized
Representative.
2.4 Access system and None 5 days

verifies the following:
- If concerned
employer has
Pag-IBIG MID
number.
- If has no
arrearages in
remittance of
membership
savings (MS).
- If has no pending
legal case with the
Fund.
- For employers with
at least ten (10)
employees, verifies
if enrolled under
Electronic Payment
and Collection
Facility (EPCF)
2
143
2.5 Prepare and None 15 minutes Marketing
facilitates approval of Specialist
the employer’s Member Services
Pag-IBIG Clearance I - Marketing and
Certificate and Sales
supporting
documents.
2.6 Review details of None 10 minutes Supervising

Clearance Certificate Member Services
against supporting Officer
documents. Member Services
I - Marketing and
Sales
2.7 Sign the Pag-IBIG None 1 day** Branch Head

Clearance Certificate
and supporting
documents to
indicate approval.
3. On scheduled 3. Provide queue None 30 minutes* Information

date of release, number for the Officer
proceed to the desired transaction. Branch
Information Officer
and get a queue
number to claim
the requested
document and wait
for the number to
be called.
4. Present the 4. Issue the Pag-IBIG None 5 minutes Marketing

acknowledged Clearance Certificate Specialist
Pag-IBIG Fund and the Letter to Member Services
Request Slip to Employer re: I - Marketing and
the Marketing Issuance of Pag-IBIG Sales
Specialist. Clearance Certificate.
6 days, 1 hour
TOTAL: None
and 50 minutes
on queue.
3
144
25. Request
8. Request forfor Member’s
Member’s Statement
Statement of Accumulated
of Accumulated Value (MSAV)
Value (MSAV)
The Member’s Statement of Accumulated Value (MSAV) is a statement of a Pag-IBIG

member’s total savings with the Fund. The same maybe generated and issued upon
request of the member.
MSAV.

1. Pag-IBIG Fund Request Slip (1 Original) Pag-IBIG website (www.pagibigfund.gov.ph)
2. Valid ID acceptable to the Fund (1 Photocopy) Employer, DFA, LTO, PRC, SSS, GSIS,
GOCC, IBP, LGU, OWWA, POEA, MARINA,
NCWPD, DSWD
FEES
BE TIME RESPONSIBLE
PAID
number and wait
for the number to
be called.
2. Submit Pag-IBIG 2. Receive Pag-IBIG None 10 minutes Member Services

Fund Request Slip Fund Request Slip Officer
and required and required Member Services
document to the document from II - Frontline
Member Services member. Servicing -
Officer. Branch
145
1
check member’s
record against the
documents
submitted.

that member’s
record is not
subject for
reconciliation.
Note:
For accounts subject
for reconciliation, a
of Request shall be
issued to the member.
2.3 Generate None 5 minutes

Member’s
Statement of
Accumulated Value
(HQP-PFF-102).
2.4 Issue the system- None 5 minutes

generated MSAV to
the concerned
member.
1 hour and 10
TOTAL: None
minutes
on queue
146
2
24. Request
26. Request forfor
Merging/Consolidation of Member’s
Merging/Consolidation Record Record
of Member’s
This service aims to aid the consolidation/merging of member’s record from various
employer/business.
Consolidation/merging of records starts from the receipt of request to consolidate/merge the

member’s record up to approval of the request.
▪ Member Services II - Frontline Servicing - Pag-IBIG Fund Branch

Office or ▪ Membership Contributions Accounting Division - Technical and Admin. Support
Division: (MCAD-TAS)
Type of
Transaction:
Member
1. Request for Consolidation/Merging of Pag-IBIG Fund Branch or Pag-IBIG Website
Member’s Records (HQP-PFF-093) (1 (www.pagibigfund.gov.ph)
Original)
Original) LGU, OWWA, POEA, MARINA, Post Office, COMELEC,
NCWPD, DSWD
Representative
1. Notarized Special Power of Attorney Notary Public
(HQP-PFF-033) (1 Original)
LGU, OWWA, POEA, MARINA, Post Office, COMELEC,
NCWPD, DSWD
3. Request for Consolidation/Merging of Pag-IBIG Fund Branch or Pag-IBIG Website

Member’s Records (HQP-PFF-093) (www.pagibigfund.gov.ph)
(1 Original)
NOTE:
authentication.
FEES TO PROCESSING
BE PAID TIME
Officer and get desired
a queue transaction.
number for STL
application and
wait for the
number to be
called.
1
147
2. Submit duly 2.1Receive Request None 10 minutes Member Services Officer
accomplished for Consolidation/ Member Services II -
Request for Merging of Frontline Servicing -
Consolidation/ Member’s Record Branch
Merging of and required
Member’s documents from
Records and concerned
required member.
document to
Member
Services
Officer.
2.2Sign copy 2 of the None 3 minutes

Request for
Consolidation/
Merging of
Member’s Record
to acknowledge
receipt of the
request and
indicate date of
completion of
request.
2.3Issue copy 2 of None 2 minutes

the Request to the
concerned
member.
2.4Compile and None 1 day**

endorse all
receive request
and endorse to
MCAD-TAS for
processing.
2.5On scheduled None 15 days Accounts Specialist

date, based on MCAD-TAS
the received
documents,
process
consolidation/
merging of
member’s record.
2.6Approve/ None 1 day** Division Chief III MCAD-

disapprove TAS
consolidated/
merged record.
148 2
2.7Scan and None 5 minutes Accounts Specialist
forwards copy of MCAD-TAS
the approved
request form to
the requesting
branch.
2.8Inform concerned None 2 minutes Member Services Officer

member that his Member Services II -
record has been Frontline Servicing -
merged/ Branch
consolidated
through any of the
following mode:
▪ Thru Fund
Coordinator
(FC)
▪ SMS
▪ Email
Notification
▪ Other applicable
modes
17 days and 52
TOTAL: None
minutes
* Time indicated shall include waiting time of the transacting clients and shall depend on the number on
queue.
3
149
27.
7. Request
Request for Multi-Purpose
for Multi-Purpose Loan (MPL)/Calamity
Loan (MPL)/Calamity Loan Balance Loan Balance
The STL Statement of Account is a statement that shows the total amount due from the member-
borrower as of certain cut-off date. The same shall be generated and issued to the concerned member-
borrower upon request.
This service shall start from the receipt of request from the member up to issuance of the SOA.

1. Pag-IBIG Fund Request Slip (HQP-PFF-369) Pag-IBIG website (www.pagibigfund.gov.ph) or in any
(1 Original) Pag-IBIG Branch
2. Valid ID acceptable to the Fund (1 Photocopy) Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
FEES
TO PROCESSING
BE TIME
PAID
number and wait
for the number to
be called.
2. Submit Pag-IBIG 2. Receive Pag-IBIG None 10 minutes Member Services Officer

Fund Request Slip Fund Request Slip MS II - Frontline Servicing -
and required and required Branch
document to the document from
Member Services member.
Officer.
150
--*
check member’s
record against the
documents
submitted.
2.2 Verify member- None 15 minutes

borrower’s STL
subsidiary ledger
and ensure that the
same is updated.
Note:
For accounts subject
for reconciliation, a
of Request shall be
issued to the member.
2.3 Generate member- None 5 minutes

borrower’s
Statement of
Account (SOA).

generated SOA to
the concerned
member.
1 hour and 5
TOTAL: None
minutes
on queue.
151
28.
18. Request forReprinting
Request for ReprintingofofCertificate
Certificateofof Employer’s
Employer’s Registartion
Registration (COER)
(COER)
The Certificate of Employer Registration (COER) is a certificate issued to employers which serves as
proof of registration with Pag-IBIG Fund. The said document is issued to registered employers upon
payment of their initial remittance of membership savings. However, concerned employers may request
for reprinting of their COER.
This service shall start from the receipt of request from the employer/authorized representative up to
issuance of the certificate.
Office or Division: Member Services I - Marketing and Sales - Branch

Classification: Complex Transactions
Type of
Transaction:
1. Pag-IBIG Fund Request Slip (2 Originals) Pag-IBIG website (www.pagibigfund.gov.ph) or in any
Pag-IBIG Branch
NCWPD, or DSWD
Notary Public
3. Notarized Affidavit of Loss
FEES
TO PROCESSING
BE TIME
PAID
number and wait
for the number to
be called.
152
2. Submit Pag-IBIG 2. Receive Pag-IBIG None 10 minutes Marketing Specialist
Fund Request Slip Fund Request Slip Member Services I -
and required and required Marketing and Sales
documents to the documents from
Marketing employer/
Specialist. authorized
representative.

verify employer’s
registration details.
2.2 Verify employer’s None 15 minutes

ledger and ensures
that the concerned
employer has
remitted the initial
remittance of the
membership savings
of their employees.
Note:
inconsistency, a Notice
of Disapproval of
Request shall be
issued to the
requestor.

Pag-IBIG Fund
Request Slip to
acknowledge the
receipt of the
request and
indicates the
scheduled date of
release.

Pag-IBIG Fund
Request Slip to the
concerned
employer/
authorized
representative.
153
2.5 Access the COER None 10 minutes
template and
facilitate printing of
the employer’s
certificate and
Transmittal List.
2.6 Ensure correctness None 10 minutes Branch Head

of the details of
COER and signs
Transmittal List to
indicate approval.
2.7 Endorse printed None 1 day**

COER to Area Head
for signature.
2.8 Affix initials on the None 6 days Area Head

COER to indicate
approval and return
to concerned Branch
for releasing.

Officer and get a
queue number to
claim the requested
document and wait
called.
4. Present the 4. Issue COER to the None 5 minutes Marketing Specialist

Pag-IBIG Fund employer/authorized Member Services I -
Request Slip to the representative. Marketing and Sales
Marketing Specialist.
6 days, 1 hour
TOTAL: None
and 55 minutes
on queue.
154
29. Requestfor
14. Request forSystem-Generated
System-Generated Members
Members Data Data
Form Form
(MDF) (MDF)
The Member’s Data Form (MDF, HQP-SLF-115) is a system-generated document that

contains the member’s Registration Tracking Number (RTN)/Pag-IBIG MID Number
which shall serve as proof of registration to the Fund. The same shall be issued to the
concerned member upon request.
system-generated MDF.
2. Valid ID acceptable to the Fund (2 Employer, DFA, LTO, PRC, SSS, GSIS,
Photocopies) GOCC, IBP, LGU, OWWA, POEA, MARINA,
Post Office, COMELEC, PhilHealth, NBI, Local
Police Station, BOI, Barangay, NCWPD,
DSWD
PERSON
FEES TO PROCESSING
CLIENT STEPS AGENCY ACTION RESPONSIB
BE PAID TIME
LE
and get a queue desired Branch
number and wait for transaction.
the number to be
called.
2. Submit Pag-IBIG 2. Receive Pag-IBIG None 10 minutes Marketing

Fund Request Slip Fund Request Slip Specialist
and required and required Member
document to the documents from Services I -
Member Services member. Marketing and
Officer. Sales - Branch
155 1
2.1 Access system None 5 minutes
and verify
registration of the
member.

that the member
has registered
online.
Note:
In case the requestor
has not yet
registered online,
advice member to
register and a Notice
of Disapproval of
Request shall be
issued to the
member.
2.3 Generate system- None 3 minutes

generated
Member’s Data
Form (HQP-PFF-
039).

generated MDF
to the concerned
member.
1 hour and 8
TOTAL: None
minutes
on queue.
156 2
30.Request
10. Requestforfor Updating
Updating of Employer’s
of Employer’s Record Record
This service allows employers to change/update their record, if necessary.
Updating of employer’s record shall start from receipt of Employer’s Change of Information Form
(ECIF) from the concerned employer up to approval of changes/updates of the employer’s record.
Type of
Transaction:
a. For Change/Correction of Employer/
Business Name
▪ Employer’s Change of Information Form Pag-IBIG website (www.pagibigfund.gov.ph) or in any

(ECIF, HQP-PFF-106) (1 Original) Pag-IBIG Fund Branch
▪ Valid ID acceptable to the Fund Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
NCWPD, or DSWD
For Single Proprietorship

▪ Amended DTI Certificate (1 Photocopy) Department of Trade and Industry (DTI)
For Partnership/Corporation
▪ Amended SEC Certificate (1 Photocopy) Securities and Exchange Commission (SEC)
▪ Amended Articles of Partnership/ SEC
Incorporation (1 Photocopy)
For Cooperative
▪ CDA Certificate (1 Photocopy) Cooperative Development Authority (CDA)

▪ Amended SEC Certificate of SEC
b. For Change/Correction of Employer’s
Address or Contact Details
▪ ECIF (1 Original) Pag-IBIG website (www.pagibigfund.gov.ph) or in any

NCWPD, or DSWD
1
157
▪ Amended DTI Certificate (1 Photocopy) Department of Trade and Industry (DTI)
▪ Amended SEC Certificate (1 Photocopy) Securities and Exchange Commission (SEC)
▪ Amended Articles of Partnership/ SEC
For Cooperative
▪ CDA Certificate (1 Photocopy) Cooperative Development Authority (CDA)

▪ Amended SEC Certificate of SEC
c. For Change of Legal Personality

NCWPD, or DSWD
Single Proprietorship to Corporation

▪ SEC Certificate (1 Photocopy) SEC
▪ Articles of Incorporation (1 Photocopy) SEC
▪ Certificate of Cancellation as Single DTI
Proprietorship (1 Photocopy)
Partnership to Corporation
▪ SEC Certificate (1 Photocopy) SEC
▪ Articles of Incorporation (1 Photocopy) SEC
▪ Deed of Dissolution of Partnership SEC
(1 Photocopy)
d. For Additional/Change of Authorized

Signatory/ies

NCWPD, or DSWD

▪ DTI Certificate (1 Photocopy) Department of Trade and Industry (DTI)
▪ Specimen Signature Form (SSF, HQP- Pag-IBIG website (www.pagibigfund.gov.ph) or in any
PFF-003) (1 Original) Pag-IBIG Fund Branch
2
158
▪ Board Resolution (1 Photocopy) Employer
▪ Secretary’s Certificate (1 Photocopy) Employer
▪ SSF (1 Original) Pag-IBIG website (www.pagibigfund.gov.ph) or in any
NOTE: In all instances wherein photocopies are submitted, the original document must
FEES
TO PROCESSING
BE TIME
PAID
Officer and get a desired transaction.
queue number
and wait for the
number to be
called.
2. Submit ECIF and 2. Receive ECIF and None 5 minutes Marketing Specialist
required required documents Member Services I -
documents to the from member. Marketing and Sales -
Marketing Branch
Specialist.
2.1 Check None 10 minutes

completeness of
employer’s details
in the application
form and
authenticity of
required documents
submitted.
Note:
In case of
discrepancy/
inconsistency, issue
of Request to the
employer/authorized
representative.
2.2 Verify information to None 10 minutes

be updated in the
system against
ECIF and required
documents.
3
159
2.3 Update employer’s None 5 minutes
information in the
system and
endorse documents
for approval.
2.4 Approve/disapprove None 1 day** Supervising Member

updated information Services Officer
in the system. Member Services I -
Branch
2.5 Inform employer/ None 2 Minutes Marketing Specialist

authorized Member Services I -
representative that Marketing and Sales -
his record has been Branch
changed/updated
through any of the
following mode:
▪ Thru Fund
Coordinator (FC)
▪ SMS
▪ Email Notification
mode
1 day, 1 hour
TOTAL: None
and 2 minutes
on queue.
4
160
31.
9. Request
Request for Updating
for Updating of Member’s
of Member’s Record Record
This service allows Pag-IBIG member to change/update his/her membership record, if necessary.
Updating of member’s record shall start from the receipt of Member’s Change of Information Form
(MCIF) up to approval of changes/updates in member’s record.
Office or
Division:
Type of
Transaction:
a. Change of Membership Category
▪ Member’s Change of Information Form Pag-IBIG website (www.pagibigfund.gov.ph) or in any

(MCIF, HQP-PFF-049) (1 Original) Pag-IBIG Fund Branch
NCWPD, or DSWD
b. Change/Correction of Name
▪ For Change in name due to marriage Pag-IBIG website (www.pagibigfund.gov.ph) or in any

- Member’s Change of Information Pag-IBIG Fund Branch
Form (MCIF, HQP-PFF-049)
(1 Original)
- Marriage Contract (1 Original/Certified PSA or LCRO

True Copy)
- Valid ID acceptable to the Fund Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
NCWPD, or DSWD
▪ For Change in name (for reason other

than marriage)
- MCIF (1 Original) Pag-IBIG website (www.pagibigfund.gov.ph) or in any
- Birth Certificate (1 Original/Certified PSA or LCRO

True Copy)
161
- Court Order granting petition of Second Level Regional Trial Court
change of name (1 Original/Certified
True Copy)
NCWPD, or DSWD
c. Correction of Date of Birth
▪ MCIF (1 Original) Pag-IBIG website (www.pagibigfund.gov.ph) or in any

▪ Birth Certificate (1 Original/Certified PSA or LCRO

True Copy)
NCWPD, or DSWD
d. Change of Marital Status

▪ For single to married

True Copy)
- Valid ID acceptable to the Fund (1 Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
Photocopy) LGU, OWWA, POEA, MARINA, Post Office, COMELEC,
NCWPD, or DSWD
▪ For married to single (legally married to

reported spouse)
- Court Order (1 Original/Certified True PSA or LCRO

Copy)
NCWPD, or DSWD
2
162
▪ For married to single (due to erroneous
encoding)
- CENOMAR (1 Original/Certified True PSA

Copy)
NCWPD, or DSWD
▪ For married to widowed Pag-IBIG website (www.pagibigfund.gov.ph) or in any

- MCIF (1 Original) Pag-IBIG Fund Branch
- Death Certificate of the deceased PSA or LCRO

spouse (1 Original/Certified True
Copy)
NCWPD, or DSWD
e. Change of Address/Contact Details

NCWPD, or DSWD
f. Change of Employment Details

Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
▪ Valid ID acceptable to the Fund
(1 Photocopy)
PhilHealth, NBI, Local Police Station, Barangay, NCWPD,
or DSWD
g. Updating of Heirs

NCWPD, or DSWD
3
163
h. Correction of Place of Birth/Mother’s
Maiden Name/Gender (due to
erroneous encoding)


True Copy)
▪ Valid ID acceptable to the Fund (1 Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
NCWPD, or DSWD
Filing Through a Representative

a. Change of Membership Category
▪ Member’s Change of Information Form Pag-IBIG website (www.pagibigfund.gov.ph) or in any

(MCIF, HQP-PFF-049) (1 Original) Pag-IBIG Fund Branch
▪ Valid ID of both parties (1 Photocopy) Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
NCWPD, or DSWD
▪ Authorization Letter (1 Original) Member
b. Change/Correction of Name
▪ For Change in name due to marriage


True Copy)
- Valid ID of both parties (1 Photocopy) Employer, DFA, LTO, PRC, SSS, GSIS, GOCC, IBP,
NCWPD, or DSWD
▪ For Change in name (for reason other

than marriage)
- Birth Certificate (1 Original/Certified PSA or LCRO

True Copy)
4
164
- Court Order granting petition of Second Level Regional Trial Court
change of name (1 Original/Certified
True Copy)
NCWPD, or DSWD
- Authorization Letter (1 Original) Member

c. Correction of Date of Birth


True Copy)
NCWPD, or DSWD

d. Change of Marital Status
▪ For single to married

True Copy)
NCWPD, or DSWD

▪ For married to single (legally married to
reported spouse)
- Court Order (1 Original/Certified True PSA or LCRO
Copy)
NCWPD, or DSWD
5
165
▪ For married to single (due to erroneous
encoding)
- CENOMAR (1 Original/Certified True PSA

Copy)
NCWPD, or DSWD
▪ For married to widowed

- Death Certificate of the deceased PSA or LCRO

spouse (1 Original/Certified True
Copy)
NCWPD, or DSWD
e. Change of Address/Contact Details

NCWPD, or DSWD
f. Change of Employment Details

NCWPD, or DSWD
6
166
g. Updating of Heirs

NCWPD, or DSWD
h. Correction of Place of Birth/Mother’s

Maiden Name/Gender (due to
erroneous encoding)

True Copy)
NCWPD, or DSWD
NOTE:
authentication.
FEES
PROCESSING
TIME
PAID
a queue
number and
wait for the
number to be
called.
2. Submit MCIF 2. Receive MCIF and None 5 minutes Marketing Specialist

and required required document Member Services I -
documents to from member. Marketing and Sales -
the Marketing Branch
Specialist.
7
167
completeness of
member’s details in
and authenticity of
required documents
submitted.
Note:
inconsistency, issue
of Request to the
member.
2.2 Verify information to None 10 minutes

be updated in the
system against
MCIF and required
documents.
2.3 Update member’s None 5 minutes

information in the
system and endorse
documents for
approval.
2.4 Approve/disapprove None 1 day** Supervising Marketing

updated information Specialist
in the system. Member Services I -
Branch
2.5 Inform member/ None 2 minutes Marketing Specialist

requestor that his Member Services I -
record has been Marketing and Sales -
changed/updated Branch
through any of the
following mode:
▪ Thru Fund
Coordinator (FC)
▪ SMS
▪ Email
Notification
modes
1 day, 1 hour
TOTAL: None
and 2 minutes
on queue.
8
168
FEEDBACK AND COMPLAINTS MECHANISMS
How to send a feedback ▪ Servicing Counters
You may visit our servicing counters stationed at Pag-IBIG branches.
For provident-related concerns, please visit any Pag-IBIG Member
Services Branch (MSB). However, for housing-related concerns, you
may visit us at 2/F, JELP Business Solutions Bldg., 409 Shaw
Boulevard, Mandaluyong City or for those in the regions, you may
raise your concerns at the Housing Business Center (HBC).
▪ Forms
Please accomplish the Pag-IBIG Feedback Form (PFF, HQP-PRF-
002) which is available at various counters of any Pag-IBIG Branch.
The accomplished form shall be dropped in the Suggestion Boxes.
▪ Letters
Letters may be sent to:
The Member Relations Department
16/F, JELP Business Solutions Bldg.
409 Shaw Boulevard, Mandaluyong City
You may also send your letters directly to the concerned Pag-IBIG
Branch, addressed to the Office of the Head. (For the complete list of
Pag-IBIG branches and address, please refer to the Pag-IBIG Office
Directory)
▪ Emails
Emails may be sent to contactus@pagibigfund.gov.ph. You shall
receive a confirmation message that your email has been forwarded
to the concerned branch/department for appropriate reply and/or
action.
▪ Pag-IBIG Hotline
For your immediate concerns, you may also reach us at 8-724-4244
(Pag-IBIG), 24/7 (24 hours in a day, 7 days in a week).
169
How feedbacks are 1. Gather Accomplished Pag-lBIG Feedback Form
processed The Branch/Housing Business Center shall:
1.1 Gather the accomplished Pag-lBIG Feedback Form from relevant

interested parties in accordance with the approved specified Plan.
NOTE: When complaints are raised, it shall be addressed and

documented immediately in accordance with Complaint Management.
1.1.1 If dropped to suggestion box, retrieves accomplished Pag-lBIG

Feedback Form.
NOTE: The opening of suggestion boxes and retrieval of

accomplished
Pag-lBIG Feedback forms shall be done based on any of the
following:
a. Every after office hours; or
b. When the suggestion box is full prior to the scheduled time of
opening
1.1.2 Sort Pag-lBIG Feedback forms based on the following:
• Commendation/s
• Suggestion/s
• Comment/s
• Complaint/s
2. Analyze Pag-lBIG Feedback Results
The PACD Officer of the concerned Branch/Housing Business Center

shall:
2.1 Based on received accomplished Pag-lBIG Feedback Form,

Accomplish and sign the Pag-lBIG Feedback Results (PFR,
HQP-PRF- 008).
NOTES:
a. On a monthly basis, the Pag-lBIG Feedback Results shall be
Accomplished per type of customer feedback.
b. The statistical analysis of the Pag-lBIG Feedback Results shall

be conducted by the Supervising Member Services Officer
or its equivalent, of the concerned unit/branch.
c. The result of analysis shall be forwarded to PACD
Officer/Records Controller for consolidation.
170
d. The PACD officer/Records Controller shall indicate the results
of analysis in the Pag-lBIG Feedback Result.
2.2 Forwards the following documents to concerned Head:

• Pag-lBIG Feedback Results
• Accomplished Pag-lBIG Feedback Form
The Head of the concerned Branch/Housing Business Center shall:
2.3 Ensure correctness and completeness of Pag-lBIG Feedback

Results based on accomplished Pag-lBIG Feedback Form.
2.4 Sign the Pag-lBIG Feedback Results.
2.5 Forwards the following documents to PACD Officer:

shall:
2.6 Forward the scanned copy of approved Pag-lBIG Feedback

Results through email to the following:
• Area Head
• Concerned Group Head
NOTE: The scanned copy of the said feedback results and supporting
documents shall also be forwarded to MRD for the preparation of
feedback report.
2.7 Forward the approved Pag-lBIG Feedback Results and

supporting documents to Records Controller for
safekeeping.
3. Report Pag-lBIG Feedback Results
The Member Relations Department (MRD) shall:
• Upon receipt of the approved Pag-lBIG Feedback Results and

supporting documents shall prepare and sign Pag-lBIG Feedback
Report (PFR, HQPPRF-016).
• Disseminate scanned copy.
171
How to file a complaint ▪ Servicing Counters
For provident-related concerns, please visit any Pag-IBIG Branch.
Member Services Branch (MSB). However, for housing-related
concerns, you may visit us at 2/F, JELP Business Solutions Bldg.,
409 Shaw Boulevard, Mandaluyong City or for those in the regions,
you may raise your concerns at the Housing Business Center (HBC).
A Public Assistance and Complaints Desk (PACD) Officer
▪ Forms
▪ Letters
Directory)
▪ Emails
action.

172
How complaints are 1. Receive and Evaluate Complaint/s
processed
The Branch/Housing Business Center shall:
1.1 Review and evaluate the validity of complaints received from

relevant interested parties based on the following:
a. Personnel
b. Service Quality
c. Information and Communication
d. Facilities
NOTES:
a. The source of complaints may be, but not limited, to the following:
• CSat Survey (Internal/External)
• Pag-lBIG Feedback Form
• Suggestion Box
• 8888
b. The complaints may be considered as valid based on the

following:
• When the complaints can be validated as to its occurrence
and existence.
• The complainant provided his/her complete name and
contact number.
• Anonymous complaints are honored only if the
circumstances and the details given are validated as to its
occurrence and existence.
• There is an improvement impact of policies and
processes.
• As defined by management
c. The valid complaints shall be acknowledged immediately or not

beyond 48 hours upon receipt.
d. The resolution of valid complaints shall commence upon conduct

of Root Cause Analysis and formulation of Correction and/or
Corrective Action of the concerned unit.
e. The timeline for the resolution shall be based on target date of

correction and/or corrective action of the concerned unit.
1.2 Records valid complaint/s received in Pag-lBIG Complaint Log

Sheet (PCLS, HQP-PRF-017).
2. Report Identified Nonconformity
173
The PACD Officer of the Branch/Housing Business Center or the
Records Controller of the Concerned Unit shall:
2.1. Based on received valid complaints from relevant interested

parties, accomplish and issue the approved Corrective Action
Report (CAR, HQP-CAF-001) to concerned units based on the
Procedure on Control of Nonconformance and Corrective Action
(HQM-004).
NOTES:
a. The nature of the complaints shall be specified in the issued
CAR and the supporting documents shall be attached, as
necessary.
b. The Assignee of the issued CAR shall perform the following:
• Determine the root cause/s of the identified complaint/s in
accordance with the Procedure on Control of
Nonconformance and Corrective Action, and Compute its
risk level based on Likelihood Scale and Severity/Impact
Scale, and update the risk and opportunities determined
during formulation of correction and/or corrective action, as
necessary in accordance with the Procedure on
Operational Risk Assessment and Treatment (HQP-RM-
001 ).
2.2 Indicate the date of CAR Issuance and Name of Assignee in

PCLS.
2.3 Sign the PCLS.
2.4 Forward the following documents to concerned Head:

• PCLS
• Issued CAR
• Supporting documents
The concerned Head of the Branch/Housing Business Center shall:
2.5. Ensure correctness and completeness of PCLS

based on supporting documents.
2.6. Sign the PCLS.
2.7. Forwards the following documents to PACD Officer/Records
Controller:
• PCLS
• Issued CAR
174
2.8. Forward scanned copy of PCLS and issued CARs through

email to MRD for monitoring of the status of valid
complaint/s received by Branches/HBCs.
NOTE: The scanned copy of CARs with analysis and reported

action from the concerned unit shall also be provided through
email to MRD for monitoring and validation of implementation
and effectiveness of action taken of identified complaint/s.
2.9. File signed copy of PCLS.
3. Validate Implementation and Effectiveness of Action Taken
The Member Relations Department (MRD) shall validate the

implementation and effectiveness of action taken/proposed action as
stated in the received CAR in accordance with the revised Procedure
on Control of Nonconformance and Corrective Action (HQM-004 ).
4. Report the Summary of Status of Valid Complaints
• On a monthly basis, prepare and sign Pag-lBIG Complaint Report

(PCR, HQP-PRF-018) indicating the summary of status of valid
complaints.
• Disseminate scanned copy of the Report through email to

concerned heads.
Contact Information
Presidential Complaint Center
Telephone No.: 8-736-8645; 8-736-8603
E-mail Address: pcc@malacanang.gov.ph
Anti-Red Tape Authority (ARTA) Complaints Action Center

Telephone No.: 8-478-5099
Email Address: complaints@arta.gov.ph
CSC Contact Center ng Bayan
SMS No. : 0908-8816565

Telephone No.: 1-6565 (PLDT, Smart & Digitel Landlines)
Email Address : email@contactcenterngbayan.gov.ph
175
VII. LIST OF OFFICES
OFFICES ADDRESS
Corporate Headquarters Petron Mega Plaza,
# 358 Sen. Gil J. Puyat Avenue, Makati City
National Capital Region (NCR) – Housing Group JELP Business Solutions Center,
# 409 Shaw Boulevard, Mandaluyong City
NATIONAL CAPITAL REGION (NCR) BRANCHES
EAST AREA
611 Westar Building, Shaw Boulevard,
Pasig Branch (Ortigas Branch)
Barangay Kapitolyo, Pasig City
Mandaluyong-Shaw Zentrum Branch 2F 500 Shaw Zentrum, 500 Shaw Boulevard,
(Mandaluyong Branch) Mandaluyong City
Budget Lane Shopping Center, Provincial Road,
Antipolo Branch
San Jose, Antipolo City
Blas Ople Bldg., Ortigas Avenue corner Edsa,
PIOG-POEA Branch
Mandaluyong City
145 Union Square Condominium, Carpark Bldg.
Technical and Administrative Support
15th Avenue Cubao, Quezon City
EAST AREA-Member Services Offices
Robinsons Galleria EDSA corner Ortigas Ave.,
Robinsons Galleria Member Services Office
Quezon City
4th floor Robinsons Malls Metro East Marcos
Robinson Metro East Member Services Office
Highway, Barangay Dela Paz, Pasig City
NORTH AREA
GMA-Kamuning Branch (Kamias Branch) # 795, Anchor Center EDSA, Quezon City
1184 Ben-Lor Bldg., Brgy. Paligsahan,
Quezon Avenue Branch
Quezon Ave., Quezon City
LGF Diliman Commercial Center,
Commonwealth Avenue Branch Commonwealth Avenue, Batasan Hills,
Quezon City
2nd floor Spark Place Bldg. P. Tuazon Ave.
Cubao Branch
corner 10th Ave. Socorro Cubao, Quezon City
Puritan Philippines, Inc. (PPI) Bldg., 355 EDSA
Caloocan-EDSA Branch (Caloocan MSB) corner Gen. Tirona St., Bagong Bario,
Caloocan City
2nd floor Graceland Plaza, Sta. Teresita Village,
Marikina Branch
J.P. Rizal St., Lamuan, Malanday Marikina
286 ARCA North Center, McArthur Highway
Valenzuela Branch
Brgy. Karuhatan, Valenzuela City
HOTLINE: (+632) 8724-4244 Email: contactus@pagibigfund.gov.ph
176
OFFICES ADDRESS
NORTH AREA-Member Services Offices
Lower Ground SM North, EDSA Bago Bantay,
SM North EDSA Member Services Office
Quezon City
3rd floor Alimall, Araneta Center Cubao,
Ali Mall Member Services Office
Quezon City
Robinsons Novaliches Robinsons Nova Market Barangay Pasong
(Nova I-Robinson Novaliches) Putik, Quirino Highway Novaliches, Quezon City
Robinsons Town Mall Malabon
Robinsons Town Mall (Robinson Malabon) No. 5 Gov. Pascual Avenue corner Crispin
Street, Tinajeros, Malabon City
2nd floor Susano Complex, No. 1 Dumalay St.
Novaliches- Susano Complex
corner Quirino Highway Brgy. Sta. Monica
(Nova II – Susana Plaza Mall)
Novaliches, Quezon City
PIOG-Trinoma North Avenue, Quezon City
WEST AREA
Palacio del Gobernador Condominium,
Intramuros Branch (Manila Branch) A. Soriano Avenue corner General Luna Street
Intramuros, Manila
3rd floor Cityplace Square Bldg. Annex B. Lucky
Binondo Branch Chinatown Bldg. Calle Felipe corner La
Chambre St. Binondo Manila
Roxas Strip Building Libertad St. corner Roxas
Pasay Branch
Boulevard, Pasay City
J & T Building, 3894 Ramon Magsaysay
Sta. Mesa Branch
Boulevard, Sta. Mesa, Manila
2nd Floor Robinsons Place Las Piñas
Las Piñas - Robinsons Place Branch
345 Alabang-Zapote Road, Talon I,
(Las Piñas Branch)
Las Piñas City
Technical and Administrative Support- NCR 317 Justine Building, Sen Gil Puyat Avenue,
West Makati City
WEST AREA-Member Services Offices
Basement Robinsons Place Ermita Pedro Gil
Robinsons Place Manila
corner Adriatico Street, Ermita, Manila
SM Mall of Asia SM Mall of Asia, Pasay City, NCR
PIOG – SM Manila 5th Floor SM City Manila, Ermita, Manila
177
OFFICES ADDRESS
SOUTH AREA
2nd Flr. Justine bldg., Sen. Gil Puyat Avenue,
Makati-Buendia I Branch
Makati City
2nd floor SSS Makati Bldg., 6782 Ayala Avenue
Makati-Ayala Avenue Branch
corner V.A. Rufino St., Makati City
2nd floor, Umbria Commercial Center, National
Biñan Branch Highway, Tulay Bato, San Antonio, Biñan,
Laguna
Ground Flr. Justine Bldg., Sen. Gil Puyat
Makati-Buendia II Branch
Avenue, Makati City
3rd floor, ARCS1 Sycamore Bldg.,
Muntinlupa Branch Buencamino St. corner Alabang-Zapote Road,
Alabang, Muntinlupa City
2nd floor Guadalupe Commercial Complex,
Guadalupe-EDSA Branch
No.9, EDSA-Guadalupe, Makati City
4th floor KBC Bldg., No. 353-385 J.P. Rizal St.
Makati-J.P. Rizal Branch (Poblacion Branch)
corner Chino Roces St., Makati City
Gate 3 Plaza Lawton Avenue and Juliano
Taguig Gate 3 Plaza Branch
Avenue Phase III, AFPOVAI, Western Bicutan,
(Pasong Tamo Branch)
Taguig City
7th Level, SM Aura Tower, 26th McKinley
SM Aura Branch
Parkway Bonifacio Global City, Taguig City
4th Floor, 317 Justine Building, Sen Gil Puyat
Avenue, Makati City
SOUTH AREA – OFW Center
6th Floor, Justine Building, 317 Sen. Gil Puyat
OFW Center 1 – Justine
Ave., Makati City
SOUTH AREA – Service Desks
Muntinlupa-Putatan BPLO City National Road Putatan Muntinlupa
CAVITE BRANCHES
Olma Building, Emilio Aguinaldo Highway, Imus,
Imus Branch / TAS-Cavite
Cavite Barangay Tanzang Luma I Imus Cavite
Volets Commercial Building, Emilio Aguinaldo
Dasmariñas Branch
Hi-way, Dasmariñas Cavite City, Cavite
2F MGS Building, General Trias Drive,
Rosario Branch
Barangay Tejeros, Rosario, Cavite
178
OFFICES ADDRESS
CAVITE – Service Desks
Level 4 Robinsons Place Imus General E.
Robinsons Place Imus
Aguinaldo Highway, Imus, Cavite
Level 1 Robinsons Place Dasmariñas
Dasmariñas Gen. E. Aguinaldo Highway corner Governor's
Drive, Sitio Palapala, Dasmariñas, Cavite
Level 3 Robinsons Place General Trias
Robinsons Place General Trias
Barangay Tejero, General Trais, Cavite
CAVITE – One Stop Service Center for OFW’s
SM Bacoor 3rd Floor, SM City Bacoor, Bacoor City
LUZON GROUP – Housing Business Center
Pag-IBIG Fund Bldg., Government Center,
La Union HBC
Sevilla, City of San Fernando, La Union
Editha Tuddao Bldg., Balzain Road, Tuguegarao
Tuguegarao HBC
City, Cagayan
Suburdia Commercial Center, Brgy. Maimpis,
San Fernando Hub
San Fernando City, Pampanga
High Rise Business Center Bldg., Brgy. Halang,
Calamba Hub
Calamba City, Laguna
Naga HBC
LUZON BRANCHES
ILOCOS REGION
Pag-IBIG Fund Building, Government Center,
La Union Branch
Robinsons Place Ilocos, San Nicolas, Ilocos
Ilocos Norte Branch (Laoag Branch)
Norte
3rd Floor Plaza Maestro Commercial Complex
Vigan Branch
Burgos St., Brgy 1, Vigan City, Ilocos Sur
2nd Floor BHF Plaza, Mayombo District
Dagupan Branch
Dagupan City, Pangasinan
3rd Floor CB Mall, McArthur Highway,
Urdaneta Branch
Nancayasan, Urdaneta City, Pangasinan
S Building, Upper Session Road Extension
Baguio Branch
Engineers Hill, Baguio City
ILOCOS REGION – Member Services Office
Negosyo Center Ground Fl., Alaminos City Hall,
Alaminos
Poblacion, Alaminos City, Pangasinan
179
OFFICES ADDRESS
ILOCOS REGION – Service Desks
Robinsons Place Pangasinan Robinsons Calasiao, Pangasinan
ILOCOS REGION – One Stop Service Center for OFW’s
2nd Floor, Manna Mall, Pagdaraoan,
Manna Mall, La Union
San Fernando City, La Union
CAGAYAN VALLEY BRANCHES
Editha Tuddao Building, Balzain Road,
Tuguegarao Branch
Tuguegarao City, Cagayan
Ground Floor, Bucag Building Canciller Ave. cor.
Cauayan Branch
FL Dy St. District 1, Cauayan City, Isabela
G/F Units F & G, 2nd Floor Units O & P, KMCI
Solano Branch Building, National Highway, Barangay Roxas,
Solano, Nueva Vizcaya
CAGAYAN VALLEY – Member Services Offices
La Casa Kapitano Building Centro 9, Magsaysay
Aparri
Street, Barangay Minanga Aparri, Cagayan
Santiago Santiago City Hall Santiago City, Isabela
CAGAYAN VALLEY – Service Desks
3rd Floor Robinsons Santiago, Maharlika
Robinsons Place Santiago
Highway, Brgy. Mabini, Santiago City, Isabela
CAGAYAN VALLEY – One Stop Service Center for OFW’s
POEA Satellite Office, Methodist Church
Tuguegarao
Compound, Bonifacio St., Tuguegarao City
CENTRAL LUZON I BRANCHES
Suburbia Commercial Center Barangay
San Fernando Branch
Maimpis, San Fernando City, Pampanga
Unit 105 Angeles Business Center Building
Angeles City Branch
Teresa Avenue Nepo Center Angeles City
Ten Bldg Mc Arthur Hiway
Tarlac Branch
San Rafael Tarlac City, Tarlac
2nd Floor Formosa Tower, Manila Avenue CBD
Subic Bay Branch
Area, Subic Bay Freeport Zone
2nd floor C. T. Edifice Building Capitol Drive
Balanga Branch
San Jose Balanga City, Bataan
180
OFFICES ADDRESS
CENTRAL LUZON I – Service Desks
Baguio PEZA PEZA Admin Building, Loakan Road Baguio City
La Trinidad KM 5 Pico La Trinidad Benguet
Robinsons Starmills Brgy. San Jose,
Robinsons Starmills
Robinsons Luisita Mac Arthur Highway,
Robinsons Luicita Barangay San Miguel, Hacienda Luisita,
Tarlac City
CENTRAL LUZON I – One Stop Service Center for OFW’s
Clark Skills Training Center (formerly known as
Clarkfield Clark PUP), Clark Freeport Zone,
Spanish Bridge, Mabalacat, Pampanga
CENTRAL LUZON II BRANCHES
1215 Javier Building, Mac Arthur Highway,
Malolos Branch
Sumapang Matanda, Malolos Bulacan
A Square Building DTR Hi-way Pinagbarilan
Baliuag Branch
Baliuag Bulacan
G/F Supima Square Commercial Complex,
Meycauayan Branch
Malhacan Road, Meycauayan City, Bulacan
Duran Building, Quezon District Maharlika
Cabanatuan Branch
Highway, Cabanatuan City
Malolos Branch
CENTRAL LUZON II – Service Desks
Baler Municipal Building Poblacion, Baler,
Baler
Aurora
Lower G/F Starmall San Jose Delmonte
San Jose Del Monte Barangay Kaypian San Jose Del Monte,
Bulacan
CENTRAL LUZON II – One Stop Service Center for OFW’s
Ground Floor, Government Center Building,
Palayan City Palayan City Business Hub, Palayan City,
Nueva Ecija
SOUTHERN TAGALOG BRANCHES
Lucena Grand Central Terminal Building
Lucena Branch
Ilayang Dupay, Lucena City
2nd floor 3MJ Building, Brgy Marawoy
Lipa Branch
Lipa City, Batangas
181
OFFICES ADDRESS
2nd
floor ATDRMAM Building, Kumintang Ibaba,
Batangas Branch
Batangas City, Batangas
Ground Floor Andenson Building 3 National
Calamba Branch
Highway Parian, Calamba City, Laguna
El Coco Grande Building Gen. Malvar Street
San Pablo Branch
San Pablo City
2nd floor, Crosstown Mall Plaza, Brgy. Pulong
Sta Rosa Branch Sta. Cruz, Tagaytay-Sta. Rosa Road,
Sta. Rosa City, Laguna
Ground Floor, Gaisano Capital Mall,
Calapan Branch
Brgy. Tawiran, Calapan City, Oriental Mindoro
4th floor, NCCC Mall Palawan
Puerto Princesa Branch (Palawan Branch) #89 Lacao St. Brgy. Maningning,
Puerto Princesa City
SOUTHERN TAGALOG – Member Services Offices
2nd floor Centro Mall, Barangay Pulo,
Centro Mall Cabuyao Member Services Office
Cabuyao City, Laguna
2nd floor Robinsons Place Sta. Rosa Barangay
Robinsons Sta Rosa Member Services Office
Tagapo, Sta. Rosa City, Laguna
National Highway Corner Calderon Street,
San Jose Member Services Office
Brgy. Labangan, San Jose, Occidental Mindoro
SOUTHERN TAGALOG – Service Desks
Prov’l Library Office, Prov’l Government of
Boac
Marinduque, Boac, Marinduque
Municipal Government of Odiongan, Brgy.
Odiongan
Tabing-Dagat, Odiongan, Romblon
Lingkod Pinoy Center, 2nd Floor Robinsons Mall
Robinsons Place Palawan Palawan, National Highway, Brgy. San Manuel,
SOUTHERN TAGALOG – One Stop Service Center for OFW’s
POEA-Calamba Satellite Office, Basement
Calamba City Andenson Bldg. II, Brgy. Prian, Calamba City,
Laguna
2nd Floor PESO Office, Provincial Capitol Bldg.,
Calapan
Brgy. Camilmil, Calapan City, Oriental Mindoro
182
OFFICES ADDRESS
BICOL REGION BRANCHES
Hi-Tone Construction and Development Corp.
Legazpi Branch
Building B. Imperial Street, Bitano, Legazpi City
3rd Level, Robinsons Place Naga Roxas Avenue
Naga Branch Corner Almeda Highway Brgy. Triangulo, Naga
City
BICOL REGION – Member Services Offices
QMCNPC Square Building Salvacion, Virac,
Virac
Catanduanes
MK Building, Maharlika Highway, Tugos,
Sorsogon
Sorsogon City
Masbate Espinosa Apartment Mabini St., Masbate City
Houseware Plaza Building, Diversion Road cor.
Daet
F. Pimentel Avenue, Brgy. Magang, Daet
2/F JJFQ Bldg., Rizal St. Bagumbayan
Goa
Pequeño, Goa, Camarines Sur
BICOL REGION – One Stop Service Center for OFW’s
Pacific Mall 3rd Floor Pacific Mall, Legazpi City
VISAYAS & MINDANAO GROUP – Housing Business Center
Gasiano Grand City Mall, Araneta Street,
Bacolod HBC
Singcang, Bacolod City
Pag-IBIG Fund – W T Corporate Tower,
Cebu Hub Mindanao Ave. corner Archbishop St., Cebu
Business Park, Cebu City
Pag-IBIG Fund Bldg., J.R. Borja Mortola Street,
Cagayan de Oro HBC
Cagayan de Oro City, Misamis Oriental
Pag-IBIG Fund Bldg., San Jose Road,
Zamboanga HBC
Baliwasan, Zamboanga City
Pryce Tower Condominium, Pryce Business
Davao Hub
Park, JP Laurel Avenue, Davao City
SOUTH CENTRAL VISAYAS BRANCHES
Pag-IBIG Fund - W T Corporate Tower
Cebu – Ayala Branch Mindanao Avenue, corner Archbishop Street
Cebu Business Park, Cebu City
2nd Floor EROS Building Corner Real and Dr. V.
Dumaguete Branch
Locsin Streets Dumaguete City, Negros Oriental
2nd Floor, Gaisano Capital SRP Barangay San
Talisay Branch
Roque, SRP Highway Talisay City, Cebu
183
OFFICES ADDRESS
5th Floor Gaisano Capital South, Colon St.
Cebu-Colon Branch (Cebu Downtown Branch)
corner Leon Kilat St., Cebu City
Ground Floor Prince Warehouse Club Toledo, S.
Toledo Branch Osmena Street, Sipaway, Barangay Luray II,
Toledo City,Cebu
SOUTH CENTRAL VISAYAS – Member Services Offices
Ground Floor, City Government of Carcar,
Carcar
Poblacion, Carcar Cebu
SOUTH CENTRAL VISAYAS – One Stop Service Center for OFW’s
2nd Floor SM City Cebu, North Reclamation
SM Cebu City
Area, Cebu City
NORTH CENTRAL & EASTERN VISAYAS BRANCHES
3rd Floor, J. Center Mall, A. S. Fortuna Street
Mandaue Branch (Cebu Mandaue Branch)
Mandaue City, Cebu
2nd Floor Galleria Luisa, Gallares Street,
Tagbilaran Branch
Tagbilaran City, Bohol
2nd floor. Mactan Island Convention Center Pajo,
Mactan Branch
Lapulapu City, Cebu
3rd Floor, Cebu CFI Community Coop Building
Danao Branch
Cebu North Nautical Highway, Danao City
Level 3, Robinsons North Tacloban Brgy,
Tacloban Branch
Abucay, Tacloban City
2nd Level Robinsons Place Ormoc Brgy. Cogon,
Ormoc Branch
Ormoc City
ACLC Bluilding, Maharlika Hi-way Brgy. Obrero,
Calbayog Branch
Calbayog City, Samar
NORTH CENTRAL & EASTERN VISAYAS – Member Services Offices
Ubay Boyles St, Poblacion, Ubay, Bohol
Dolores Building, P. Rodriguez Street
Bogo
Bogo City, Cebu
Gaisano Capital Sogod Zone 5, Sogod,
Sogod
Southern Leyte
NORTH CENTRAL & EASTERN VISAYAS – Service Desks
2nd Floor, Government Services Express,
SM City Consolacion
SM City Consolacion, Consolacion, Cebu
NORTH CENTRAL & EASTERN VISAYAS – One Stop Service Center for OFW’s
New Bus Terminal (front Robinsons North),
Tacloban
Brgy. 91 Abucay, Tacloban City
184
OFFICES ADDRESS
WESTERN VISAYAS BRANCHES
Plazuela De Iloilo, Benigno Aquino Avenue,
Iloilo-Mandurriao Branch (Iloilo Branch)
Diversion Road, Mandurriao, Iloilo City
2nd Floor St. Ignatius Square, D. Maagma St.,
Kalibo Branch
Kalibo, Aklan
A&T Santos Building, Sacred Heart of Jesus
Roxas Branch (Capiz Branch)
Avenue Pueblo De Panay, Lawa-an, Roxas City
2nd Floor GT Plaza Mall, M.H. del Pilar Street
Iloilo-Molo Branch (Molo Branch)
Molo, Iloilo City
Gaisano Grand City Mall Araneta Street,
Bacolod Branch
Farmers Training Center, Rizal St., Brgy. 8,
Kabankalan Branch
Kabankalan City, Negros Occidental
Espino Bldg., Cabalawan Road corner Gonzaga
Sagay Branch Str., Brgy. Poblacion II, Sagay City, Negros
Occidental
WESTERN VISAYAS – One Stop Service Center for OFW’s
3rd Floor, Lingkod Pinoy Center
Robinsons Iloilo Lingkod Pinoy Center Robinsons Place Iloilo, cor. Ledesma, Quezon
St., Iloilo City
3rd Floor, Robinsons Place Bacolod, Brgy.
Robinsons Bacolod
Mandalagan, Bacolod City
NORTHERN MINDANAO BRANCHES
Puregold Building, Lapasan National Highway
Cagayan de Oro-Lapasan Branch (CDO Branch)
Lapasan, Cagayan de Oro City
Cagayan de Oro-Carmen Branch
2nd Floor Ororama Superstore, Carmen Branch
(CDO West Branch)
PAZ Bulding, Carbajal Street corner San Isidro
Malaybalay Branch
Street, Malaybalay City, Bukidnon
KHO Building, (Beside PSA)
Butuan Branch
Jose Calo Aquino Avenue, Butuan City
Ground Floor Gaisano Capital, Barangay 4
San Francisco Branch National Highway San Francisco,
Agusan del Sur
LML Building, Km. 1, National Highway,
Surigao Branch
Barangay Washington, Surigao City
Level 2, Lingkod Pinoy Center, Robinson's
Iligan Branch
Place Iligan Tubod Highway, Iligan City
185
OFFICES ADDRESS
NORTHERN MINDANAO – Member Services Offices
Nadal Building, Motoomull St., Gingoog City,
Gingoog
Misamis Oriental
2nd Floor Vicente Yap Building Zone 6, Puerto,
Cagayan de Oro - Puerto
Cagayan de Oro City
2nd Floor Tamay Lang Parklane, Commercial
Valencia Complex G. Laviña Avenue, Valencia City,
Bukidnon
VTP Building Capitol Road, Brgy. Telaje,
Tandag
Tandag City, Surigao del Sur
2nd Floor LJ and JJ Building, Poblacion Tubod,
Tubod
Lanao del Norte
NORTHERN MINDANAO – Service Desks
Lingkod Pinoy Center, Level 2, Robinsons Mall,
Robinsons Cagayan De Oro Rosario Crescent & Florentino Streets,
Cagayan De Oro City
Robinsons Place Butuan
Jose C. Aquino Avenue, Butuan City
2nd Floor Titanic Building, New Provincial
Marawi
Capitol Complex Buadi Sacayo, Marawi City
NORTHERN MINDANAO – One Stop Service Center for OFW’s
2nd Floor Trinidad Building, Corrales-Yacapin
Cagayan De Oro
Sts., Cagayan De Oro City
OWWA Service Desk, POEA Caraga Satellite
Butuan Office, Nimfa Tiu Bldg. 7, Rosales Ave.,
Butuan City
WESTERN MINDANAO BRANCHES
Pag-IBIG Fund Building San Jose Road,
Zamboanga Branch Baliwasan Zamboanga City,
Zamboanga Del Sur
FSA II Building, Quezon Avenue Miputak,
Dipolog Branch
Dipolg City
2nd Floor Trace Arcade Building
Pagadian Branch
F. S. Pajares Avenue, Pagadian City
186
OFFICES ADDRESS
WESTERN MINDANAO – Member Services Offices
Bongao 1st Floor, Tamburani Bldg., Bongao, Tawi-Tawi
Ground Floor, Avery Arcade Sanito,
Ipil Members Service Office
Ipil, Zamboanga Sibugay
ABC Building, Ozamis City Hall, Ozamis City,
Ozamis Members Service Office
Misamis Occindental
WESTERN MINDANAO – Service Desk
KCC Mall de Zamboanga, Gov Camins Avenue,
KCC Mall
Zamboanga City
WESTERN MINDANAO – One Stop Service Center for OFW’s
2nd Floor Goodwill Center, Canelar St.,
Zamboanga
Zamboanga City
SOUTHERN MINDANAO BRANCHES
Davao-Bajada Branch (Davao Central Branch) 2nd Floor, Bormaheco Bldg. Bajada, Davao City
2nd Floor Alpha Building, Lanang Business
Davao-Lanang Branch (Davao North Branch)
Park, Lanang Road, Angliongto, Davao City
Ground Floor GMC Building 3, # 97 Mac Arthur
Davao-Matina Branch (Davao South)
Highway, Matina, Davao City
Door#22 - 25, 2/F USPD Business Center
Digos Branch Arita Bldg, Rizal Avenue Digos City
Davao Del Sur
Ground Floor Nicole's 22 Corp. Building,
Tagum Branch
Assessors Village, Apokon, Tagum City
2nd Floor Nixon Lim Building, Brgy. San
Panabo Branch Francisco, National Highway, Panabo City,
Davao Del Norte
SOUTHERN MINDANAO – Member Services Office
Lanes Kan-anan Bldg., Bonifacio St., Mati City,
Mati
Davao Oriental
SOUTHERN MINDANAO – One Stop Service Center for OFW’s
5th Floor Gaisano Mall, J.P. Laurel Avenue,
Davao
Bajada, Davao City
SOUTH-WESTERN MINDANAO BRANCHES
EJ Yomon Building, Santiago Boulevard,
General Santos Branch
General Santos City
WJ Bldg., Sanchez Subd., Cannery Road,
Polomolok Branch
Poblacion, Polomolok, South Cotabato
187
OFFICES ADDRESS
Ground Floor JYSL Building Corner Balmores -
Koronadal Branch
Arellano Streets Koronadal City, South Cotabato
ABLC Building, Ninoy Aquino Road,
Kidapawan Branch
Kidapawan City
R. Chio Building, Notre Dame Avenue corner
Cotabato Branch
Clemente Allinio Street, Cotabato City
SOUTH-WESTERN MINDANAO – Service Desks
KCC Veranza, J. Catolico St., Brgy. Lagao,
KCC Veranza Mall
General Santos City
Robinsons Mall, National Highway, Brgy. Lagao,
Robinsons Place Gensan
General Santos City
SOUTH-WESTERN MINDANAO – One Stop Service Center for OFW’s
3rd Floor City of Koronadal Government Bldg.,
Koronadal City of Government of Koronadal, Gensan Drive,
Koronadal City
OVERSEAS POST
ASIA
Philippine Embassy, SPG 336, Diplomatic
Brunei Enclave Jalan Kebangsaan, Bandar Seri
Begawan Brunei Darussalam BA 1210
Philippine Consulate General 14th Floor,
Hongkong United Center Building, 95 Queensway,
Hong Kong SAR
Philippine Consulate General Unit 1404-1406,
Macau 14/F AIA Tower, NOS.251A-301, Avenida
Comercial De Macau, Macau SAR
Philippine Embassy/Philippine Overseas Labor
Malaysia Office No. 1 Changkat Kia Peng, 50450 Kuala
Lumpur, Malaysia
Phil. Overseas Labor Office/Philippine Embassy
Singapore
20 Nassim Road Singapore 258395
South Korea 12 Hoenamuro 42-gil, Yongsan-gu Seoul City
140-857 Republic of Korea
No. 55, 57 Zhouzi Street, Neihu District
Taiwan
Taipei City, Taiwan
188
OFFICES ADDRESS
EUROPE
Philippine Overseas Labor Office
Athens, Greece 10 Fhotidos St. Ambelokipi, Athens 11523,
Greece
Philippine Embassy, 6 Suffolk St.
London, United Kingdom
London SW1Y 4 HG, United Kingdom
Philippine Consulate General
Milan, Italy
Via Stelvio 71, Via Bernina 18 Milan, Italy
Philippine Embassy Viale Delle Medaglie
Rome, Italy
D'Oro 112/114 00136 Rome, Italy
MIDDLE EAST
Philippine Embassy W-48 Street, No. 8
Abu Dhabi, UAE Sector 2-23, Plot 51, Al Qubaisat, Abu Dhabi,
UAE
Skyfreight Forwarders 1st Street corner King
Alkhobar, KSA Fahad Street, P.O. Box 2539, Alkhobar,
Kingdom of Saudi Arabia
Philippine Embassy Villa No. 939 Road No.
Bahrain 3320, Mahooz Area PO Box 26681 Manama,
Bahrain
Philippine Consulate General / Philippine
Dubai Overseas Labor Office, Beirut St., Al Qusais,
P.O. Box 4960, Dubai, UAE
Philippine Consulate General, Umm Al-Qura
Jeddah, KSA Street Rehab District, P.O. Box 4794
Jeddah 21412
Philippine Embassy Villa No. 817, Block 1,
Kuwait
Street 101, Al Sadiq Area, State of Kuwait
Philippine Overseas Labor Office, Al Furat
Qatar Street, Zone 66, Onaiza Area, 24900 Doha,
Qatar
Riyadh, KSA Street, Zone 66, Onaiza Area, 24900 Doha,
Qatar
NORTH AMERICA
Philippine Consulate General 556 5th Avenue
New York, USA
New York 10036 USA
Toronto, Canada Ontario, Canada M4P 3B5
189
VIII. Service with Virtual Processes under the New Normal
1. Availment of Short-Term Loan (STL) through Virtual Pag-IBIG (Complex)
The Short-Term Loan (STL) program aims to provide financial assistance to Pag-IBIG
Fund members. There are two types of STL:
▪ Multi-Purpose Loan (MPL) - to provide financial assistance for the following

purposes:

 Special events;
 Car repair; and
 Other needs
▪ Calamity Loan - to provide immediate financial assistance to Pag-IBIG members

in calamity-stricken areas, as declared by the Office of the President or
Sangguniang Bayan.
This service shall start from the receipt of STL application form and required
documents up to the release of loan proceeds through Check to the member-
borrower.
Office or ▪ Member Services II – Frontline Servicing (MS II - FS) - Pag-IBIG Fund

Division: Branch
▪ Technical and Administrative Support
Type of
Transaction:
requirements:

 Has made at least one (1) MS within the last six (6) months prior to the
date of loan application
 If with existing Pag-IBIG housing loan, the account must not be in
default as of the date of application
 If with existing MPL and/or Calamity Loan, the account must not be in
default as of date of application
1
190
 Is a resident of the area which is declared calamity-stricken (For
calamity loan only)
Member
1. Multi-Purpose Loan Application Form Pag-IBIG website (www.pagibigfund.gov.ph)
(MPLAF, HQP-SLF-065) (1 Photo/scanned or in any Pag-IBIG Fund Branch
copy)
(1 Photo/scanned copy) GOCC, IBP, LGU, OWWA, POEA, MARINA,
Post Office, COMELEC, NBI, Local Police
Station, BOI, Barangay, NCWPD or DSWD
3. Proof of Income
Formally-employed:
back of the application form must be
accomplished by the employer or submit
photocopy of one (1) month latest payslip
duly authenticated by the company’s
authorized signatory.
a. ITR, Audited Financial Statements, and Bureau of Internal Revenue (BIR)/Municipals
Official Receipt of tax payment from Office/City Hall
(1 Photo/scanned copy)
b. Commission Vouchers reflecting the Concerned company wherein member has
issuer’s name and contact details) for engagement
the last 12 months) (1 Photo/scanned
copy)
pensions, etc.) (1 Photocopy/scanned
copy)

LTFRB for other PUVs) (1 Photo/
scanned copy)
e. Certificate of Engagement issued by Concerned company wherein member has

owner of business (1 Photo/scanned engagement
copy)
f. Notarized Affidavit of Income Pag-IBIG website (www.pagibigfund.gov.ph)
(HQP-SLF-136) (1 Photo/scanned or in any Pag-IBIG Fund Branch
copy)
2
191
of the following:
(1 Photocopy); or

Compensation (CEC)
and passport (1 Photo/scanned
copy)

is required.
4. Selfie photo showing ID Card and Cash

Card
Calamity Loan
Member
1. Calamity Loan Application Form (CLAF, Pag-IBIG website (www.pagibigfund.gov.ph)
HQP-SLF-066) (1 Photo/scanned copy) or in any Pag-IBIG Fund Branch
2. Valid ID acceptable to the Fund (1 Photo/ Employer, DFA, LTO, PRC, SSS, GSIS,
scanned copy) GOCC, IBP, LGU, OWWA, POEA, MARINA,
Station, Barangay, NCWPD, DSWD
3. Proof of Income
3
192
a. ITR, Audited Financial Statements, and Bureau of Internal Revenue (BIR)/Municipal
b. Commission Vouchers reflecting the Concerned company wherein member has

copy)

pensions, etc.) (1 Photo/ scanned)

scanned copy)
e. Certificate of Engagement issued by Concerned company wherein member has

copy)

copy)

of the following
(1 Photo/scanned copy); or

Compensation (CEC)
letterhead (1 Photo/scanned copy);
or
copy)
4
193
Country/Government
is required.

following:
a. For farmers, including landlords, fisher Municipal Office/City Hall

to the calamity.
b. For business owners/market vendors Municipal Office/City Hall
calamity.
onset of calamity.

Card
FEES
PROCESSING PERSON
TIME RESPONSIBLE
PAID
1. Access Pag-IBIG 1. On scheduled date, None 5 minutes Member
Fund website and access system and Services Officer
file MPL/Calamity view online STL MS II - Frontline
Loan online application thru Servicing -
through “Virtual Virtual Pag-IBIG. Branch
Pag-IBIG”.
5
194
1.1 Select application None 1 minute
for processing.

completeness and
correctness of the
documents
submitted.
1.3 Encode member’s None 5 minutes

Pag-IBIG MID and
view member’s
details.

record.
1.5 Select “File” button None 15 minutes

to proceed with the
processing.
1.6 Review loan details None 1 day** Supervising

of the member. Member
Services Officer
MS II - Frontline
Servicing -
Branch
1.7 Approve/ None 1 day** Approving

disapprove loan Authority
applications.
Note:
In case of disapproval,
an SMS notification
shall be sent to the
concerned member
regarding disapproval
of the STL application.

endorse List of
Approved STL
Application and
Certificate for
Disbursement to
CASD-TAS to
initiate
disbursement.
6
195
1.9 Generate/prepare None 15 minutes Treasury
necessary Analyst
disbursement CMD-Treasury
document. Dept.
1.10 Sign disbursement None 1 day** Approving

documents to Authorities
indicate approval.
1.11 Prepare and None 10 minutes Financial

approve Analyst II
Disbursement FCD-OAD
Voucher (DV).

availability of Authorities
Funds for
disbursement.
1.13 Process release of None 2 days** Treasury

loan proceeds and Analyst
forwards CMD-Treasury
Endorsement Dept.
Letter and
supporting Signing
partner-bank for
crediting of loan
proceeds.
1.14 Inform Data Center None 10 minutes Cashier

on the availability (Disbursement)
of Feedback File to Branch Support
initiate on the - Branch
crediting of loan
proceeds to
member’s
disbursement card.
TOTAL None 6 days, 1 hour

and 41 minutes
* Time indicated shall include waiting time of the transacting client and shall depend on the number
on queue.
7
196
2. Availment of STL through Virtual Pag-IBIG (Highly Technical)
The Short-Term Loan (STL) program aims to provide financial assistance to Pag-IBIG
Fund members. There are two types of STL:
▪ Multi-Purpose Loan (MPL) - to provide financial assistance for the following

purposes:

 Special events;
 Car repair; and
 Other needs
▪ Calamity Loan - to provide immediate financial assistance to Pag-IBIG members in

calamity-stricken areas, as declared by the Office of the President or Sangguniang
Bayan.
This service shall start from the receipt of STL application form and required
documents up to the release of loan proceeds through Check to the member-borrower.
Office or ▪ Member Services II – Frontline Servicing (MS II - FS) - Pag-IBIG Fund

Division: Branch
▪ Technical and Administrative Support
Type of
Transaction:
requirements:

 Has made at least one (1) MS within the last six (6) months prior to the
date of loan application
 If with existing Pag-IBIG housing loan, the account must not be in
default as of the date of application
 If with existing MPL and/or Calamity Loan, the account must not be in
default as of date of application
 Is a resident of the area which is declared calamity-stricken (For
calamity loan only)
197
Member
1. Multi-Purpose Loan Application Form Pag-IBIG website (www.pagibigfund.gov.ph)
(MPLAF, HQP-SLF-065) (1 Photo/scanned or in any Pag-IBIG Fund Branch
copy)
(1 Photo/scanned copy) GOCC, IBP, LGU, OWWA, POEA, MARINA,
Station, BOI, Barangay, NCWPD or DSWD
3. Proof of Income
Formally-employed:

b. Commission Vouchers reflecting the Concerned company where member has

copy)

pensions, etc.) (1 Photocopy/scanned
copy)

scanned copy)
e. Certificate of Engagement issued by Concerned company where member has

copy)
copy)
2
198
of the following:
(1 Photocopy); or

Compensation (CEC)
copy)

is required.

Card
Calamity Loan
Member
1. Calamity Loan Application Form (CLAF, Pag-IBIG website (www.pagibigfund.gov.ph)
HQP-SLF-066) (1 Photo/scanned copy) or in any Pag-IBIG Fund Branch
2. Valid ID acceptable to the Fund (1 Photo/ Employer, DFA, LTO, PRC, SSS, GSIS,
scanned copy) GOCC, IBP, LGU, OWWA, POEA, MARINA,
Station, Barangay, NCWPD, DSWD
3. Proof of Income
3
199
b. Commission Vouchers reflecting the Concerned company where member has

copy)

pensions, etc.) (1 Photo/ scanned)

scanned copy)
e. Certificate of Engagement issued by Concerned company where member has

copy)

copy)

of the following
(1 Photo/scanned copy); or

Compensation (CEC)
letterhead (1 Photo/scanned copy);
or
copy)
4
200
Country/Government
is required.

following:

to the calamity.
calamity.
onset of calamity.

Card
FEES
PROCESSING PERSON
TIME RESPONSIBLE
PAID
1. Access Pag-IBIG 1. On scheduled date, None 5 minutes Member
Fund website and access system and Services Officer
file MPL/Calamity view online STL MS II - Frontline
Loan online application thru Servicing -
through “Virtual Virtual Pag-IBIG. Branch
Pag-IBIG”.
5
201
1.1 Select application None 1 minute
for processing.

completeness and
correctness of the
documents
submitted.
1.3 Encode member’s None 5 minutes

Pag-IBIG MID and
view member’s
details.

record.

the system and
select “Pending”
button.

day, List of STL
Applications for
Validation and
endorse to
concerned unit.

reconciliation, as
applicable:
MCAD:
 For merging
 For reconciliation/
data migration
 For MID
swapping
 For MID
integration
STLAD:
 With STL
accounts under
Legacy
 With gap on
posted payment
of loan
amortization
6
202
 With in-transit
payment
 With balance
subject for TAV
offsetting
1.8 Retrieve filed None 10 minutes Member

application in the Services Officer
system and resume MS II-FS -
processing of Branch
application.
1.9 Review loan details None 20 minutes Supervising

of the member. Member
Services Officer
MS II - Frontline
Servicing -
Branch
1.10 Approve/ None 1 day** Approving

disapprove loan Authority
applications.
Note:
In case of disapproval,
an SMS notification
shall be sent to the
concerned member
regarding disapproval
of the STL application.

endorse List of
Approved STL
Application and
Certificate for
Disbursement to
CASD-TAS to
initiate
disbursement.
1.12 Generate/prepare None 15 minutes Treasury

necessary Analyst
disbursement CMD-Treasury
document. Dept.
1.13 Sign disbursement None 1 day** Approving

indicate approval.
7
203
1.14 Prepare and None 10 minutes Financial
approve Analyst II
Disbursement FCD-OAD
Voucher (DV).

availability of Authorities
Funds for
disbursement.
1.16 Process release of None 1 day** Treasury

loan proceeds and Analyst
forwards CMD-Treasury
Endorsement Dept.
Letter and
supporting Signing
partner-bank for
crediting of loan
proceeds.
1.17 Inform Data Center None 10 minutes Cashier

on the availability (Disbursement)
of Feedback File to Branch Support
initiate on the - Branch
crediting of loan
proceeds to
member’s
disbursement card.

hours and 11
minutes
* Time indicated shall include waiting time of the transacting client and shall depend on the number
on queue.
8
204
Pag-IBIG Fund
CITIZEN’S CHARTER
2020 (2nd
2019 (Edition 2.1)
Edition)

Pag-IBIG Fund
CITIZEN’S CHARTER
2020 (2nd
2019 (Edition 2.1)
Edition)
1
I. Mandate
II. Vision
III. Mission
IV. Service Pledge
management system;

Puso”
2
V. List of Services
Housing Loans Operation (External Services)
Acquired Assets (NCR) (External Services) 7
• Purchase of Acquired Assets through Negotiated Sale (Retail Sale) 8

• Purchase of Acquired Assets under Direct Purchase 37
• Purchase of Acquired Assets under Public Auction 60
• Purchase of Acquired Assets under Direct Purchase/Public Auction/ 82
Negotiated Sale (through Long-Term Installment) (Stage 2- Filing of
Application for Long-Term Installment)
Acquired Assets (REGION) (External Services) 100
• Purchase of Acquired Assets through Negotiated Sale (Retail Sale) 101

• Purchase of Acquired Assets under Direct Purchase 130
• Purchase of Acquired Assets under Public Auction 153
• Purchase of Acquired Assets under Direct Purchase/Public Auction/ 176
Negotiated Sale (through Long-Term Installment) (Stage 2- Filing of
Application for Long-Term Installment)
Loans Management (NCR) (External Services) 194
• Final Release of Interim Non-Life Insurance Claims Proceeds (For Accounts 195
with more than P50,000 Claim Proceeds)
• Final Release of Non-Life Insurance Claims Proceeds (For Accounts 199
• Receive and Approve Change in Fixed Pricing Period Application 203
• Receive and Approve Conversion to Full Risk-Based Pricing Application 211
• Receive and Approve Interim Mortgage/Sales Redemption Insurance 219
(MRI/SRI) Claims Application
• Receive and Approve Interim Non-Life Insurance Claims Application 258
• Receive and Approve Loan Term Adjustment Application 277
• Receive and Approve Moratorium on Housing Loan (HL) Payments of 296
Borrowers Affected by Calamities Application
• Receive and Approve Mortgage/Sales Redemption Insurance (MRI/SRI) 303
Claims Application
• Receive and Approve Non-Life Insurance Claims Application 341
3
• Release of Interim MRI/SRI Claims Proceeds 360
• Release of Interim Non-Life Insurance Claims Proceeds 364
• Release of MRI/SRI Claims Proceeds 368
• Release of Non-Life Insurance Claim Proceeds 372
• Request for Inspection of House for Release of Interim Non-Life Insurance 376
Claims Proceeds (For Accounts with more than P50,000 Claims Proceeds)
• Request for Inspection of House for Release of Non-Life Insurance 378
Loans Management (REGION) (External Services) 380
• Final Release of Interim Non-Life Insurance Claims Proceeds (For Accounts 381
• Final Release of Non-Life Insurance Claims Proceeds (For Accounts 386
• Receive and Approve Change in Fixed Pricing Period Application 391
• Receive and Approve Conversion to Full Risk-Based Pricing Application 400
• Receive and Approve Interim Mortgage/Sales Redemption Insurance 409
(MRI/SRI) Claims Application
• Receive and Approve Interim Non-Life Insurance Claims Application 447
• Receive and Approve Loan Term Adjustment Application 466
• Receive and Approve Moratorium on Housing Loan (HL) Payments of 486
Borrowers Affected by Calamities Application
• Receive and Approve Mortgage/Sales Redemption Insurance (MRI/SRI) 494
Claims Application
• Receive and Approve Non-Life Insurance Claims Application 532
• Release of Interim MRI/SRI Claims Proceeds 551
• Release of Interim Non-Life Insurance Claims Proceeds 556
• Release of MRI/SRI Claims Proceeds 560
• Release of Non-Life Insurance Claim Proceeds 564
• Request for Inspection of House for Release of Interim Non-Life Insurance 568
• Request for Inspection of House for Release of Non-Life Insurance 570
Loans Origination (NCR) (External Services) 572
• Housing Loan Availment under Prime Developer 573

• Housing Loan Availment under Window 1 Account 594
4
• Initial/Final Release of Loan Proceeds to the Borrower/Seller under Retail 615
Accounts
• Process Request for Inspection of Property (For accounts with House 627
Construction/Home Improvement)
• Receive and Approve/Disapprove Housing Loan Application under Regular 630
Developer
• Receive and Approve/Disapprove Housing Loan Application under Retail 650
Accounts
• Receive and Approve/Disapprove Housing Loan Application under Window 2 725
• Release of Loan Proceeds to the Developer through Check 745
• Release of Loan Proceeds to the Regular Developer 750
• Subsequent Release of Loan Proceeds to the Borrower for accounts with 755
House Construction/Home Improvement
Loans Origination (REGION) (External Services) 761
• Housing Loan Availment under Prime Developer 762

• Housing Loan Availment under Window 1 Account 784
• Initial/Final Release of Loan Proceeds to the Borrower/Seller under Retail 806
Accounts
• Process Request for Inspection of Property (For accounts with House 819
Construction/Home Improvement)
• Receive and Approve/Disapprove Housing Loan Application under Regular 822
Developer
• Receive and Approve/Disapprove Housing Loan Application under Retail 842
Accounts
• Receive and Approve/Disapprove Housing Loan Application under Window 2 918
• Release of Loan Proceeds to the Developer through Check 939
• Release of Loan Proceeds to the Regular Developer 944
• Subsequent Release of Loan Proceeds to the Borrower for accounts with 949
House Construction/Home Improvement
Loans Remediation (NCR) (External Services) 955
• Application for Loan Reconstructing for Accounts 956

• Application for Plan of Payment for Delinquent Housing Loan Borrowers 978
• Application on Condonation of Penalties/Additional Interests 986
• Redemption of Foreclosed Property (For Full Payment) 994
• Redemption of Foreclosed Property (For Installment) 1008
• Settlement of Obligation through Housing Loan under Non-Performing Assets 1022
Resolution Program (NPARP) (For SCR/MCR Accounts-Heir/Successor)
• Settlement of Obligation under Non-Performing Assets Resolution Program 1039
(NPARP) (Thru Cash Payment)
5
(NPARP) (Through Housing Loan)
(NPARP) (Thru Installment Payment)
Loans Remediation (REGION) (External Services) 1094
• Application for Loan Reconstructing for Accounts 1095

• Application for Plan of Payment for Delinquent Housing Loan Borrowers 1117
• Application on Condonation of Penalties/Additional Interests 1124
• Redemption of Foreclosed Property (For Full Payment) 1131
• Redemption of Foreclosed Property (For Installment) 1145
• Settlement of Obligation through Housing Loan under Non-Performing Assets 1160
Resolution Program (NPARP) (For SCR/MCR Accounts-Heir/Successor)
Other Housing Related Transaction (NCR) (External Services) 1233
• Issuance of Replacement of Post-Dated Checks (PDCs) by the Borrower 1234

• Issuance of Statement of Account 1237
• Issuance of Summary of Payment 1241
• Request for a copy of Mortgage Documents 1244
• Request for Certification (i.e. full payment, housing loan availment) 1249
• Request of Pull Out of Post-Dated Checks (PDCs) (i.e. due to change of 1253
bank)
• Request for Reconciliation/Adjustment of Payment 1258
• Updating of Borrower’s Record 1262
Other Housing Related Transaction (REGION) (External Services) 1268
• Issuance of Replacement of Post-Dated Checks (PDCs) by the Borrower 1269

• Issuance of Statement of Account 1272
• Issuance of Summary of Payment 1276
• Request for a copy of Mortgage Documents 1280
• Request for Certification (i.e. full payment, housing loan availment) 1285
• Request of Pull Out of Post-Dated Checks (PDCs) (i.e. due to change of 1290
bank)
• Request for Reconciliation/Adjustment of Payment 1296
• Updating of Borrower’s Record 1301

6
HOME LENDING OPERATIONS
ACQUIRED ASSETS
(NCR)
EXTERNAL SERVICES
7
1. Purchase of Acquired Assets through Negotiated Sale (Retail Sale)
(Acceptance of Offers)
Negotiated Sale refers to the sale of Pag-IBIG Fund Real and Other Properties Acquired (ROPA)
which remains unsold after 2nd public auction. Interested buyers may select property to purchase
from the List of Acquired Assets for Negotiated Sale posted in Pag-IBIG Fund website. The Offer
to Purchase (OTP) shall be sealed in an envelope and drop it in the designated drop box located
in concerned Pag-IBIG Fund Office. On scheduled date, all the sealed offers received will be
opened and reviewed. Interested buyers who has the highest offer on the property shall be
declared as the winning buyer and will have an exclusive right to purchase the property. The
winning buyer shall pay the non-refundable reservation fee of P1,000.00 within five (5) working
days from receipt of Notice of Award and comply with the requirements stated on the said notice.
In addition, a discount on the offered price shall be given to the winning buyer depending on the
chosen mode of payment:
Mode of Payment Payment Term Discount Rate
Cash 30 days 30%
Short-Term Installment Maximum of 12 months 20%
Long-Term Installment Maximum of 30 years 10%
This service starts from registration of buyer up to issuance of Notice of Award.
 Technical Working Group (TWG)
 Committee on Disposition of ROPA
 Marketing and Sales Department
Office or Division:
 Any Pag-IBIG Branch. However, the application shall be forwarded
to and processed by the concerned NCR/Regional Housing
Business Center.
Classification: Complex
The program shall be open to any interested buyer (individual or
juridical) who satisfies the following requirement:
 Has legal capacity to purchase property in the Philippines.
 Not blacklisted on Sale of Pag-IBIG Fund Real and Other
Properties Acquired (ROPA) Program
If mode of payment is through Long Term Installment, the buyer shall
satisfy the following requirement:
 On Pag-IBIG Membership
Who may avail: - Must be an active member under the Pag-IBIG I Membership
Program as evidenced by the remittance of at least twenty-four
(24) monthly savings at the time of application.
- A member, whose monthly savings are still short of the required
number, may be allowed to apply for this program; provided, his
total savings upon application is at least equivalent to 24
monthly savings based on the mandatory rate, inclusive of the
employee (EE) and the employer (ER) counterparts.
- A non-member who wishes to apply for long-term installment
may be allowed to do so; provided, he remits the required 24
1
8
monthly savings based on the mandatory rate in lump sum,
inclusive of the EE and ER counterparts. Said lump sum amount
shall be considered a single remittance for the applicable month
as of the payment date.
 Not more than sixty-five (65) years old at the date of application and
not more than seventy (70) years old at the end of payment term;
 Has passed satisfactory background/credit and
employment/business checks of Pag-IBIG Fund;
 If with existing Pag-IBIG housing account, either as principal buyer/
borrower or co-buyer / co-borrower, it must be updated.

FOR INDIVIDUAL BUYER
1. Duly accomplished Offer to Purchase (HQP- Pag-IBIG Website (www.pagibigfund.gov.ph)
AAF-212, 2 original copies) signed by the Buyer or any Pag-IBIG Branch
2. One (1) Valid ID of the Buyer (photocopy, back-
to-back) with 3 specimen signatures. Any of the
following:
- Passport Department of Foreign Affairs (DFA)
- Driver’s License Land Transportation Office (LTO)
- Professional Regulation Commission (PRC) ID Professional Regulation Commission (PRC)
- Integrated Bar of the Philippines (IBP) ID Integrated Bar of the Philippines (IBP)
- NBI Clearance National Bureau of Investigation (NBI)
- Police Clearance Local Police Station
- Postal ID Post Office
- Voter’s ID Commission on Election (COMELEC)
- GSIS e-Card Government Service Insurance System (GSIS)
- Social Security System (SSS) Card Social Security System (SSS)
- Senior Citizen Card Local Government Unit (LGU)
- OWWA ID Overseas Workers Welfare Administration (OWWA)
- Overseas Filipino Worker (OFW) ID Philippine Overseas Employment Administration (POEA)
- Seaman’s Book or Seafarer’s Identification Maritime Industry Authority (MARINA)
and Record Book (SIRB)
- Alien Certification of Registration/Immigrant Bureau of Immigration (BI)
Certificate of Registration
- National Council for the Welfare of Disabled National Council on Disability Affairs (NCDA)
Persons (NCWPD) Certification
- Department of Social Welfare and Department of Social Welfare and Development
Development (DSWD) Certification (DSWD)
- Government Office and GOCC ID (e.g. AFP Government Office/Government-Owned and
ID, Pag-IBIG Loyalty Card) Controlled Corporation (GOCC)
3. If mode of payment is Long Term Installment, Please refer to the acceptable proof of income
photocopy of Proof of Income (1 copy) indicated in the Checklist of Requirements for
Application for Long Term Installment Sale Mode
of Payment (HQP-AAF-253)
NOTE: In all instances wherein photocopies are submitted, the original document must be presented
for authentication.
9
IF THRU REPRESENTATIVE/ATTORNEY-IN-FACT -
INDIVIDUAL PERSON
To be sealed in the offer envelope
AAF-212, 2 original copies) signed by the Buyer/ or any Pag-IBIG Branch
Attorney-In-Fact
2. Authorization Letter signed by the Buyer (1 Buyer
original or printed digital copy) – only applicable
for dropping of offer (NOTE: Photocopy of the
notarized SPA is required upon claiming the
Notice of Award after winning the negotiated
sale.) or;
Notarized Special Power of Attorney (SPA) Person being Represented
signed by the buyer (1 original copy, 1
photocopy)
For OFW
 For SPA executed and notarized in the Philippine Embassy of Host Country/
Philippines, include a photocopy of Government
passport/ seaman’s book reflecting the
entry date and/or exit date to/from the
Philippines (1 original copy, 1 photocopy)
 For documents executed abroad Philippine Embassy of Host Country/
(1 original copy, 1 photocopy) Government
 For Non-Apostille Countries - SPA duly
authenticated by a Philippine Consular
Officer, or SPA notarized by a local
notary (of the country where the member
is working) but duly authenticated by a
Philippine Consular Officer
 For Apostille Countries - Apostille SPA
3. One (1) Valid ID with signature (photocopy,
back-to-back) of the Buyer and Attorney-in-Fact.
Any of the following:
10
of Payment (HQP-AAF-253).
for authentication.
ORGANIZATION (JURIDICAL ENTITY)
AAF-213, 2 original copies) signed by the or any Pag-IBIG Branch
authorized representative.
2. Notarized Secretary Certificate or Buyer
Authorization Letter signed by the organization’s
authorized representative/s. Buyer
NOTE: Photocopy of the Secretary Certificate is
required upon claiming the Notice of
Award after winning the negotiated sale.
11
3. One (1) Valid ID of the Buyer’s Authorized
Representative (photocopy, back-to-back) with 3
specimen signatures. Any of the following:
for authentication.
1. On scheduled date 1. Provide queue None 1.5 Hours* Information
of acceptance of number for the Officer
offer, proceed to the desired transaction.
Information Officer
and get a queue
number.
1.1. Wait for the
queue number
to be called.
2. Once your number is 2. Facilitate registration None 30 Minutes Marketing

called, proceed and and issue Registration Specialist**
register at the Stub. Marketing and
designated frontline Sales
servicing counter. Department
2.1. Receive
Registration Stub.
12
3. Insert and seals the 3. Check details of None 10 Minutes Marketing
documents required Registration Stub. Specialist**
in an envelope. Marketing and
Sales
3.1. Proceed to the drop 3.1. Affixes initials on None 15 Minutes
Department
box and present Registration Stub
Registration Stub. and attach
Registration Stub
(Pag-IBIG Fund
copy) to the sealed
envelope.
3.2. Drop the sealed 3.2. Request buyer to None 10 Minutes
envelope in the drop drop the sealed
box. envelope in drop box.
3.3. Get Registration 3.3. Issue Registration None 10 minutes
Stub (Buyer copy). Stub (Buyer Copy) to
buyer.
4. Wait for notification 4. Continue to accept None 4 Days* Member
on the result of sealed offers from Technical
negotiated sale. interested buyers Working Group
4.1. At cut-off time, close None (TWG)
the acceptance of
sealed offers. Committee on
Disposition of
4.2. Open and review None ROPA
each sealed
envelope from the
drop box.
1 Day
4.3. Read and record None
offers.
4.4. After all offers have None
been read,
determines winning
buyer per property.
4.5. Generate and None 1 Day
process signing of
Notice of Award.
4.6. Notify winning and None 3.5 Hours
non-winning buyers
on the result of
negotiated sale.
NOTE: The waiting time for the winning buyer to claim the Notice of Award after notification is excluded
in the processing time. The processing shall resume upon appearance of the buyer to claim the
Notice of Award.
13
5. Upon receipt of 5. Provide queue None 1 Hour* Information
notification on number for the Officer
availability of Notice desired transaction.
of Award, proceed to
the Information
Officer and get a
queue number.
5.1. Wait for the queue
6. Once your number is 6. Counsel winning None 30 Minutes Marketing
called, proceed to buyer on subsequent Specialist**
the designated procedures to Marketing and
frontline servicing undertake Sales
counter and get Department
Notice of Award.
NOTE: In case of 6.1. Request buyer to None 10 Minutes
representative, sign on “Conforme”
present required portion of Notice of
documents. Award.
6.1. Comply with the 6.2. Issue Notice of None 5 Minutes
requirements stated Award to buyer.
in Notice of Award
NOTE: The winning
within five (5)
buyer shall pay the
working days from
following within 5 working
receipt of said
days from receipt of
notice.
Notice of Award:
 Reservation Fee
 Downpayment at least
5% of Net Offer Price
(for cash or short-term
installment).
TOTAL None 7 Working
Days
*Time indicated includes waiting time of the transacting client and shall depend on the number on queue.
** The said functions may also be assigned to other personnel (i.e. Agency-Hired Contractual, Job Orders etc.)
14
Purchase of Acquired Assets through Negotiated Sale (Retail Sale through
Cash) (Compliance on Notice of Award)
Upon winning the negotiated sale and the chosen mode of payment is Cash, the winning buyer shall
pay a non-refundable reservation fee of P1,000.00 and a downpayment of at least five percent (5%)
of the net offer price within five (5) working days from receipt of Notice of Award. The balance on the
net offer price shall be paid not later than thirty (30) calendar days from date of signing of Deed of
Conditional Sale (DCS). No interest shall be charged.
This service starts from payment of reservation fee up to availability of Deed of Conditional Sale
(DCS) for signature of the winning buyer.

 Loans Support Services Department (LSSD)
Office or Division:  Any Pag-IBIG Branch. However, the application shall be
forwarded to and processed by the concerned NCR/Regional
Housing Business Center.
Winning Buyer of Negotiated Sale (Retail Sale) whose chosen mode
Who may avail:
of payment is Cash.
1. Notice of Award Issued by Pag-IBIG Fund to the winning buyer

of acquired asset
following:
15
3. Payment of Non-Refundable Reservation Fee of Buyer
One Thousand Pesos (P1,000)
4. Downpayment of at least 5% of net offer price. Buyer
For compliance after payment of reservation fee and downpayment
1. Signed and notarized Certificate of Acceptance/ Pag-IBIG Branch
Katibayan sa Pagtanggap (HQP-AAF-145)
(3 original copies)
2. Signed and notarized Deed of Conditional Sale Pag-IBIG Branch
(DCS, 4 original copies).
for authentication.
INDIVIDUAL PERSON
1. Notice of Award Issued by Pag-IBIG Fund to the winning buyer of
acquired asset
2. Notarized Special Power of Attorney (SPA) Pag-IBIG Website (www.pagibigfund.gov.ph)
signed by the buyer (1 original copy, 1 photocopy) (Sample Template)
For OFW
 For SPA executed and notarized in the Philippine Embassy of Host Country/Government
Philippines, include a photocopy of
 For documents executed abroad Philippine Embassy of Host Country/Government
(1 original copy, 1 photocopy)
16
For compliance after payment of reservation
fee and downpayment
(3 original copies)
for authentication.
10
17
acquired asset
2. Notarized Special Power of Attorney (SPA) or Buyer
Secretary Certificate signed by the
organization’s authorized representative/s (1
original copy, 1 photocopy).
4. Payment of Non-Refundable Reservation Fee Buyer
of One Thousand Pesos (P1,000)
fee and downpayment
(3 original copies)
for authentication.
11
18
1. Proceed to the 1. Provide queue None 1.5 Hours* Information
number.
2. Submit the required 2. Receive the required None 20 Minutes Marketing
documents once documents and check Specialist**
your queue number for completeness. Marketing and
is called. Sales
Department
2.1. Sign on the 2.1. Generate the None 10 Minutes
following following documents:
documents that will  Certificate of
be prepared by the Acceptance/
Marketing Katibayan sa
Specialist: Pagtanggap (3
 Certificate of copies)
Acceptance/  Reservation Form
Katibayan sa (2 copies)
Pagtanggap (3  Payment Order
copies) Form (POF, 2
 Reservation copies) for
Form (2 copies) payment of the
following:
- Non-Refundable
Reservation Fee
– Php 1,000.00
- Downpayment
(DP) – at least 5%
of net offer price
2.2. Get the Payment 2.2. Request client to None 10 Minutes

Order Form (POF) sign on the following
and Certificate of documents:
Acceptance/  Certificate of
Katibayan sa Acceptance/
Pagtanggap that Katibayan sa
will be issued. Pagtanggap (3
copies)
 Reservation
Form (2 copies)
12
19
2.3. Issue the following None 5 Minutes
documents:
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 POF (2 copies)
2.4. Advise client to pay None 5 Minutes
the required fees at
LSSD and process
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
3. Present POF and 3. Accept the payment Non- 30 Minutes Cashier
pay the reservation based on the POF. refundable Loans Support
fee and reservation Services
downpayment of at fee - Department
least 5% of net P1,000.00
selling price at LSSD
once your number is
called.
3.1. Get PFOR (1 3.1. Generate and issue None 15 Minutes
original copy). Pag-IBIG Fund
Official Receipt
(PFOR).
3.2. Process 30 Minutes
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
4. Return to Marketing 4. Ensure that the None 30 Minutes* Marketing
and Sales buyer’s name and Specialist**
Department and amount paid are Marketing and
once your number is correct. Sales
called, present the Department
NOTE: Photocopy/scan
original copy of
PFOR is
PFOR.
necessary.
13
20
4.1. Submit notarized 4.1. Check notarization None 10 Minutes
Certificate of details of Certificate
Acceptance/ of Acceptance/
Katibayan sa Katibayan sa
Pagtanggap (copies Pagtanggap.
1 and 2).
4.2. Receive the 4.2. Return PFOR and None 5 Minutes
following issue the following
documents: documents:
 Certificate of  Certificate of
Acceptance/ Acceptance/
Pagtanggap (1 Pagtanggap (1
copy) copy)
 Reservation  Reservation
Form (1 copy) Form (1 copy)
4.3. Advise to wait for None 5 Minutes
notification on
availability of DCS.
5. Wait for notification 5. Generate and process None 5 Working Acquired Assets
on availability of DCS (4 copies). Days Officer III**
Deed of Conditional 5.1. Notify buyer on None 4 Hours Marketing and
Sale (DCS). availability of DCS Sales
for signing. Department
NOTE: The waiting time for the buyer to claim the DCS after notification is excluded in the processing
time. The processing shall resume upon appearance of the buyer to sign the DCS.
6. Upon receipt of 6. Provide queue None 1.5 Hours* Information
availability of DCS, desired transaction.
proceed to the
Information Officer
and get a queue
number.
7. Once your number is 7. Facilitate signing of None 15 Minutes Acquired Assets
called, proceed at DCS. Officer III**
the designated Marketing and
frontline servicing Sales
counter and claim Department
the DCS.
7.1. Sign DCS (4 copies). 7.1. Record date of None 15 Minutes
signing of DCS.
7.2. Get DCS (4 copies) 7.2. Issue DCS (4 copies) None 5 Minutes
for notarization. for notarization.
14
21
8. Process notarization 8. Receive notarized None 30 Minutes Acquired Assets
of DCS. DCS (copies 2 and 3) Officer III**
and check Marketing and
NOTE: The notary
notarization details. Sales
public shall retain
Department
DCS (copy 4).
8.1. Return notarized
DCS (copies 2 and
3) to Marketing and
Sales Department.
8.2. Within 30 calendar
days from signing
of DCS, return to
Pag-IBIG Fund to
pay the balance on
net selling price.
TOTAL PHP 6 Working
1,000.00 Days and 3
Hours
15
22
Short Term Installment) (Compliance on Notice of Award)
of the net offer price within five (5) working days from receipt of Notice of Award. The balance on
the selling price shall be paid in equal monthly installment and provided the chosen payment term
shall not exceed twelve (12) months subject to an interest based on the Full Risk-Based Pricing
Framework for three-year fixing period.
Office or Division:  Any Pag-IBIG Branch. However, the application shall be forwarded
Business Center.
Who may avail:
of payment is Short Term Installment.
of acquired asset
following:
Certificate of Registration National Council on Disability Affairs (NCDA)
- National Council for the Welfare of Disabled
16
23
fee and downpayment
(3 original copies)
for authentication.
INDIVIDUAL PERSON
acquired asset
For OFW
 For documents executed abroad Philippine Embassy of Host Country/ Government
17
24
fee and downpayment
(3 original copies)
for authentication.
acquired asset
2. Notarized Secretary Certificate signed by the Buyer
organization’s representative/s (1 original copy,
1 photocopy)
18
25
fee and downpayment
1. Signed and notarized Certificate of Acceptance/
Pag-IBIG Branch
Katibayan sa Pagtanggap (HQP-AAF-145) (3
original copies)
for authentication.
number.
is called. Sales
Department
2.1. Sign the following 2.1. Generate the None 10 Minutes
documents that will following documents:
be prepared by the  Certificate of
Marketing Acceptance/
Specialist: Katibayan sa
 Certificate of Pagtanggap (3
Acceptance/ copies)
Katibayan sa  Reservation Form
Pagtanggap (3 (2 copies)
copies)  Payment Order
 Reservation Form (POF, 2
19
26
Form (2 copies) copies) for
payment of the
following:
- Non-Refundable
Reservation Fee
– Php 1,000.00
- Downpayment
(DP) – at least
5% of the net
selling price

copies)
 Reservation Form
(2 copies)
documents:
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 POF (2 copies)
LSSD and process
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
fee and reservation Services
downpayment of at fee - Department
selling price at LSSD
once your number is
called.
20
27
3.1. Get PFOR (1 3.1. Generate and issue 30 Minutes
Official Receipt
(PFOR).
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
called, present the NOTE: Photocopy/scan Department
original copy of PFOR is
PFOR. necessary.
1 and 2).
copy) copy)
notification on
5. Wait for notification 5. Generate and None 5 Working Acquired Assets
on availability of process the following Days Officer III**
Deed of Conditional documents: Marketing and
Sale (DCS).  DCS (4 copies) Sales
 Schedule of Department
Installments (2
copies)
 Authority to Move-
In (ATMI, 2 copies)
21
28
5.1. Notify buyer on None 4 Hours
availability of DCS
for signing.
proceed to the
Information Officer
and get a queue
number.
the DCS.
signing of DCS.

NOTE: The notary notarization details. Sales
public shall Department
retain DCS
(copy 4).
8.1. Return notarized 8.1. Issue the following 10 Minutes
DCS (copies 2 and documents:
3) to Marketing and  ATMI (copy 1)
Sales Department.  Schedule of
Installments
8.2. Get the ATMI (copy (copy 1)
1) and Schedule of
Installments(copy
1).
8.3. Start paying
monthly
installments.
22
29
TOTAL PHP 6 Working
1,000.00 Days, 3 Hours
and 10 Minutes
23
30
Long Term Installment) (Compliance on Notice of Award)
Upon winning the negotiated sale and the chosen mode of payment is Cash, the winning buyer
shall pay a non-refundable reservation fee of P1,000.00 within five (5) working days from receipt of
Notice of Award. The winning buyer shall submit the required documentary requirements and
incidental fees within thirty (30) calendar days from date of reservation. (Refer to Citizens Charter
on Purchase of Acquired Assets under Direct Purchase/Public Auction/Negotiated Sale Stage 2 -
Filing of Application for Long Term Installment).
This service starts from payment of reservation fee up to approval of reservation.
Who may avail:
of payment is Long Term Installment.
of acquired asset
following:
24
31
For compliance after payment of reservation fee
1. Complete documentary requirements for Refer to Checklist of Requirements for
application for long term installment. Application for Long Term Installment Sale Mode
2. Payment of Processing Fee, advance 1-year Buyer
insurance premiums and equity, if any.
for authentication.
INDIVIDUAL PERSON
acquired asset
For OFW
25
32
for authentication.
acquired asset
1 photocopy).

26
33
application for long term installment. Application for Long Term Installment Sale
Mode of Payment (HQP-AAF-253)
for authentication.
number.
is called. Sales
2.1. Sign on the 2.1. Generate the None 10 Minutes Department
Specialist: Pagtanggap
 Certificate of 3 copies)
Non-Refundable
Reservation Fee –
Php 1,000.00
27
34
that will be issued. documents:
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 Reservation
Form (2 copies)
2.3. Issue POF (2 copies). None 5 Minutes
LSSD.
fee at LSSD once reservation Services
your number is fee - Department
called. P1,000.00
Official Receipt
(PFOR).
called, present the Department
original copy of
PFOR is
PFOR.
necessary.
4.1. Receive the 4.1. Inform buyer on the None 10 Minutes
following documentary
documents: requirements to be
submitted and
 Reservation required incidental
Form (1 copy) fees to be paid upon
 Certificate of submission of
Acceptance/ application for long
Katibayan sa term installment.
Pagtanggap (3
copies) (Refer to Citizens
Charter on Purchase
of Acquired Assets
under Direct
Purchase/Public
Auction/Negotiated
28
35
Sale Stage 2 - Filing
of Application for
Long Term
Installment)
4.2. Within 30 calendar 4.2. Return PFOR and None 5 Minutes
days from date of issue the following
reservation, return documents:
to Pag-IBIG Fund to  Reservation
pay to submit Form (1 copy)
complete  Certificate of
documentary Acceptance/
requirements based Katibayan sa
on checklist and pay Pagtanggap (3
the required copies)
incidental fees.
4.3. Advise to submit None 5 Minutes
(Refer to Citizens
documentary
Charter on
requirements based
Purchase of
on checklist within 30
Acquired Assets
calendar days from
under Direct
date of reservation.
Purchase/Public
Auction/Negotiated
Sale Stage 2 –
Filing of Application
for Long Term
Installment)
TOTAL PHP 3 Hours and
1,000.00 55 Minutes
29
36
2. Purchase of Acquired Assets under Direct Purchase (Through Cash)
Direct Purchase refers to the purchase of Pag-IBIG Fund acquired asset by the present
occupant. An Invitation to Purchase (ITP) is sent to the present occupant of the Pag-IBIG Fund
acquired asset. Within fifteen (15) calendar days from receipt of ITP, the present occupant shall
submit an Offer to Purchase (OTP), indicating his/her chosen mode of payment, and pay a non-
refundable reservation fee of P1,000.00. The selling price of the subject property shall be based
on its latest appraised value. No discount is granted under direct purchase.
If the chosen mode of payment of the present occupant is Cash, a downpayment of at least five
percent (5%) of the selling price shall be paid together with the reservation fee. The balance on
the selling price shall be paid not later than thirty (30) calendar days from date of signing of Deed
of Conditional Sale (DCS). No interest shall be charged.
If the present occupant failed to purchase the property within the prescribed period given, the
said property shall be offered to other applicable mode of sale and the present occupant shall
vacate the property and surrender to Pag-IBIG Fund.
This service starts from submission of Offer to Purchase (OTP) up to availability of Deed of
Conditional Sale (DCS) for signature of the present occupant.
Business Center.
The program shall be open to the present occupant of Pag-IBIG Fund
acquired assets who satisfies the following requirement:
Who may avail: Properties Acquired (ROPA) Program
NOTE: The Offer to Purchase (OTP) and payment of reservation fee
shall be made not later than fifteen (15) calendar days from
receipt of Invitation to Purchase (ITP).

FOR PRESENT OCCUPANT
Requirements upon reservation
1. Invitation to Purchase (ITP, HQP-AAF-002) duly Issued by Pag-IBIG Fund to present occupant
received by the present occupant (1 original copy) of acquired asset
2. Duly accomplished Offer to Purchase (OTP, Pag-IBIG Website (www.pagibigfund.gov.ph)
HQP-AAF-004, 1 original copy) or any Pag-IBIG Branch
3. One (1) Valid ID of the Present Occupant
(photocopy, back-to-back) with 3 specimen
signatures that specify the address of subject
property in the ITP. Any of the following:
37
4. If the valid ID do not specify the address of the
subject property, any of the following Proof of
Occupancy (1 photocopy) (for the past 6 months):
- Water Bill Maynilad/Local Water District
- Electric Bill MERALCO/Electric Cooperative
- Official Receipt (OR) of payment of Home Owners Association (HOA)
Association Dues provided the address of the
property is indicated in the OR by the HOA
- Telephone/Internet Bill Telecommunications Service Provider
- Cable Bill Cable Provider
- Credit Card Billing Issuing Bank
- Bank Statement Issuing Bank
5. If there are other relatives living on the same Lawyer
property, notarized Waiver of Interest to
Purchase the subject property (1 original copy)
executed by the relatives living on the same
property in favor of the Buyer.
6. Joint Affidavit of Two Disinterested Person Lawyer
attesting that the buyer is the occupant of the
subject property
2
38
7. Payment of Non-Refundable Reservation Fee Present Occupant
8. Downpayment of at least 5% of the selling price. Present Occupant
fee and downpayment
original copies)
for authentication.
FOR REPRESENTATIVE/ATTORNEY-IN-FACT
OF THE PRESENT OCCUPANT
1. Invitation to Purchase (ITP, HQP-AAF-002) duly Issued by Pag-IBIG Fund to present occupant of
received by the present occupant or its acquired asset
representative
AAF-004, 1 original copy) signed by the Present or any Pag-IBIG Branch
Occupant/Attorney-In-Fact
signed by the present occupant (1 original copy, (Sample Template)
1 photocopy)
back-to-back) of the present occupant that
specify the address of subject property in the ITP
and Attorney-in-Fact. Any of the following:
3
39
Association Dues, provided the address of
the property is indicated in the OR by the HOA
subject property
8. Payment of Non-Refundable Reservation Fee of Present Occupant
and downpayment
(3 original copies)
for authentication.
number.
4
40
2. Inquire for purchase 2. Verify status of the None 10 Minutes Marketing
of property through subject property and Specialist**
Direct Purchase inform the client on Marketing and
once your queue the selling price. Sales
number is called. Department
2.1. Counsel the client None 20 Minutes
and requests to
comply on the
documentary
requirements.
documents. documents and check Specialist**
for completeness. Marketing and
Sales
3.1. Sign on the 3.1. Encode offer details None 20 Minutes
Department
following to the system.
documents that will
be prepared by the
Marketing
Specialist:
 Offer to
Purchase (OTP,
1 copy)
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 Reservation
Form (2 copies)
3.2. Get the Payment 3.2. Generate the None 10 Minutes
Order Form (POF) following documents:
and Certificate of  Offer to Purchase
Acceptance/ (OTP, 1 copy)
Katibayan sa  Certificate of
Pagtanggap that will Acceptance/
be issued. Katibayan sa
Pagtanggap (3
copies)
(2 copies)
 Payment Order
Form (POF, 2
copies) for
payment of the
following:
- Non-Refundable
Reservation Fee
5
41
– Php 1,000.00
- Downpayment
(DP) – at least
5% of the selling
price
3.3. Request client to None 10 Minutes
sign on the following
documents:
 Offer to Purchase
(OTP, 1 copy)
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 Reservation
Form (2 copies)
documents:
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 POF (2 copies)
LSSD and process
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
4. Present POF and 4. Accept the payment Non- 30 Minutes* Cashier
pay reservation fee based on the POF. refundable Loans Support
and downpayment of reservation Services
at least 5% of selling fee - Department
price at LSSD once P1,000.00
your number is
called.
Official Receipt
(PFOR).
6
42
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
and Sales Dept. and buyer’s name and Specialist**
once your number is amount paid are Marketing and
called, present the correct. Sales
original copy of Department
PFOR. NOTE: Photocopy/scan
PFOR is
necessary.
1 and 2).
5.2. Receive Certificate 5.2. Return PFOR and None 5 Minutes

of Acceptance/ issue Certificate of
Pagtanggap (1 copy) Katibayan sa
and Reservation Pagtanggap (1 copy)
Form (1 copy). and Reservation
Form (1 copy).
notification on
Deed of Conditional Marketing and
Sale (DCS). 6.1. Notify buyer on 4 Hours Sales
availability of DCS Department
for signing.
proceed to the
Information Officer
and get a queue
number.
7
43

the DCS.
8.1 Sign DCS (4 copies). 8.1. Record date of None 15 Minutes
signing of DCS.
8.2. Get DCS (4 copies) 8.2 Issue DCS (4 copies) None 5 Minutes
9. Process 9. Receive notarized None 30 Minutes Acquired Assets

notarization of DCS (copies 2 and 3) Officer III**
DCS. and check Marketing and
NOTE: The notary notarization details. Sales
public shall Department
retain DCS
(copy 4).
DCS (copies 2 and
3) to Marketing and
Sales Department.
days from signing
of DCS, return to
Pag-IBIG Fund to
pay the balance on
selling price.
TOTAL PHP 6 Working
and 50 Minutes
8
44
Purchase of Acquired Assets under Direct Purchase (Through Short Term
Installment)
Direct Purchase refers to the purchase of Pag-IBIG Fund acquired asset by the present occupant.
An Invitation to Purchase (ITP) is sent to the present occupant of the Pag-IBIG Fund acquired asset.
Within fifteen (15) calendar days from receipt of ITP, the present occupant shall submit an Offer to
Purchase (OTP), indicating his/her chosen mode of payment, and pay a non-refundable reservation
fee of P1,000.00. The selling price of the subject property shall be based on its latest appraised
value. No discount is granted under direct purchase.
If the chosen mode of payment of the present occupant is Short Term Installment, a downpayment
of at least five percent (5%) of the selling price shall be paid upon reservation. The balance on the
selling price shall be paid in equal monthly installment and provided the chosen payment term shall
not exceed twelve (12) months subject to an interest based on the Full Risk-Based Pricing
If the present occupant failed to purchase the property within the prescribed period given, the said
property shall be offered to other applicable mode of sale and the present occupant shall vacate the
property and surrender to Pag-IBIG Fund.
Who may avail: Properties Acquired (ROPA) Program.
45
10
46
subject property
and downpayment
(3 original copies)
for authentication.
FOR REPRESENTATIVE/ATTORNEY-IN-FACT OF THE PRESENT OCCUPANT
1. Invitation to Purchase (ITP, HQP-AAF-002) Issued by Pag-IBIG Fund to present occupant of
duly received by the present occupant or its acquired asset
representative
signed by the present occupant (1 original copy. (Sample Template)
1 photocopy)
11
47
Association Dues, provided the address of the
subject property
and downpayment
Pag-IBIG Branch
original copies)
for authentication.
number.
12
48

Direct Purchase inform the client on the Marketing and
once your queue selling price. Sales
and requests to
comply on the
documentary
requirements.
Sales
Department
documents that will
be prepared by the
Marketing
Specialist:
 Offer to
Purchase (OTP,
1 copy)
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 Reservation
Form (2 copies)
Pagtanggap (3
copies)
(2 copies)
 Payment Order
Form (POF, 2
copies) for
payment of the
following:
- Non-Refundable
13
49
Reservation Fee
– Php 1,000.00
 Downpayment
of the selling price

documents:
(OTP, 1 copy)
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap
(3 copies)
(2 copies)
documents:
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap
(3 copies)
 POF (2 copies)
LSSD and process
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
4. Present POF and pay 4. Accept the payment Non- 30 Minutes* Cashier
reservation fee and based on the POF. refundable Loans Support
downpayment of at reservation Services
least 5% of selling fee - Department
price at LSSD once P1,000.00
your number is called.
14
50
Official Receipt
4.2. Process notarization (PFOR). 30 Minutes
of Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
original copy of NOTE: Photocopy/scan Department
PFOR. PFOR is necessary.
5.1 Submit notarized 5.1. Check notarization None 10 Minutes
1 and 2).
5.2. Receive Certificate of 5.2 Return PFOR and None 5 Minutes
Acceptance/ issue Certificate of
Form (1 copy).
5.3 Advise to wait for None 5 Minutes
notification on
on availability of the following Days Officer III**
Installments (2
copies)
 Authority to Move-In
(ATMI, 2 copies)
6.1. Notify buyer on 4 Hours
availability of DCS
for signing.
15
51
proceed to the
Information Officer
and get a queue no.
no. to be called.
the DCS.
signing of DCS.
notarization of DCS. DCS (copies 2 and 3) Officer III**
NOTE: The notary and check Marketing and
public shall retain notarization details. Sales
DCS (copy 4). Department
Installments
9.2. Get the ATMI (copy
(copy 1)
1) and Schedule of
Installments (copy 1).
9.3. Start paying monthly
installments.
TOTAL PHP 6 Working
and 15 Minutes
16
52
Purchase of Acquired Assets under Direct Purchase (Through Long-Term
Installment) (Stage 1 - Reservation of Property)
If the chosen mode of payment of the present occupant is Long Term Installment, the present
occupant shall submit the required documentary requirements and incidental fees within thirty (30)
calendar days from date of reservation. (Refer to Citizens Charter on Purchase of Acquired Assets
under Direct Purchase/Public Auction/Negotiated Sale Stage 2 - Filing of Application for Long Term
Installment).
property shall be offered to other applicable mode of sale and the present occupant shall vacate
the property and surrender to Pag-IBIG Fund.
This service starts from submission of Offer to Purchase (OTP) up to approval of reservation.
17
53
18
54
subject property
2. Payment of Processing Fee, advance 1-year Present Occupant
for authentication.
representative
1 photocopy)
19
55
subject property
for authentication.
1. Proceed to the 1. Provide queue number None 1.5 Hours* Information
Information Officer for the desired Officer
number.
20
56
Direct Purchase inform the client on the Marketing and
once your queue selling price. Sales
and requests to
comply on the
documentary
requirements.
Sales
Department
documents that will
be prepared by the
Marketing
Specialist:
 Offer to
Purchase (OTP,
1 copy)
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 Reservation
Form (2 copies)
Pagtanggap (3
copies)
(2 copies)
 Payment Order
Form (POF, 2
copies) for
payment of the
Non-Refundable
Reservation Fee –
Php 1,000.00
21
57

sign Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies) and
Reservation Form (2
copies).
LSSD.
fee at LSSD once reservation Services
your number is fee - Department
called. P1,000.00
Official Receipt
(PFOR).
original copy of PFOR. Department
PFOR is necessary.
22
58
5.1. Receive the 5.1. Inform client on the None 10 Minutes
 Offer to submitted and
Purchase required incidental
(OTP, 1 copy) fees to be paid
 Reservation upon submission of
Form (1 copy) application for long
Certificate of term installment.
Acceptance/
(Refer to Citizens
Katibayan sa
Charter on Purchase of
Pagtanggap (3
Acquired Assets under
copies)
Direct Purchase/Public
Auction/Negotiated
Sale Stage 2 - Filing of
Application for Long
Term Installment)
reservation, return to documents:
Pag-IBIG Fund to
pay to submit  Offer to
complete Purchase (OTP,
documentary 1 copy)
requirements based  Reservation
on checklist and pay Form (1 copy)
the required  Certificate of
incidental fees. Acceptance/
Katibayan sa
(Refer to Citizens Pagtanggap (3
Charter on Purchase of copies)
Direct Purchase/Public 5.3 Advise to submit None 5 Minutes
Auction/Negotiated documentary
Sale Stage 2 - Filing of requirements based
Application for Long on checklist within 30
Term Installment) calendar days from
TOTAL PHP 4 Hours and 45
1,000.00 Minutes
23
59
3. Purchase of Acquired Assets under Public Auction (Through Cash)
Public Auction refers to the sale of Pag-IBIG Fund Real and Other Properties Acquired (ROPA)
through acceptance of bid offers from interested buyers sealed in an envelope. Interested bidders
may select property to bid from the List of Acquired Assets for Public Auction posted in Pag-IBIG
Fund website together with the Invitation to Bid (ITB). The bid offer must not fall below the minimum
bid amount for the property set by the Fund. The bid offer shall be accompanied with a bid bond
equivalent to five percent (5%) of the bid offer. Interested bidders who has the highest bid offer on
the property shall be declared as the winning bidder and will have an exclusive right to purchase
the property.
No discount is granted for buyer of properties under 1st public auction. On the other hand, a
discount is given to the buyer of the properties under 2 nd public auction depending on the chosen
mode of payment (Refer to the Invitation to Bid posted in Pag-IBIG Fund website,
www.pagibigfund.gov.ph).
If the chosen mode of payment of the winning bidder is Cash, the balance on the net offer price
shall be paid not later than thirty (30) calendar days from date of signing of Deed of Conditional
Sale (DCS). No interest shall be charged.
This service starts from registration of bidder up to availability of Deed of Conditional Sale (DCS)
for signature of the winning bidder.
Office or Division:
Who may avail:  Has legal capacity to purchase property in the Philippines.

FOR INDIVIDUAL BIDDER
To be sealed in the bid envelope
1. Duly accomplished and signed Offer to Bid (2 Pag-IBIG Website (www.pagibigfund.gov.ph)
original copies) or any Pag-IBIG Branch
2. Bid Bond equivalent to 5% of the Bid Offer (In Bidder
Cash or Manager’s Check, Philippine Currency)
3. One (1) Valid ID (1 photocopy, back-to-back)
with 3 specimen signatures. Any of the following:
60
After winning the public auction
Katibayan sa Pagtanggap (HQP- AAF-145)
(3 original copies).
for authentication.
OF AN INDIVIDUAL BIDDER
1. Duly accomplished Offer to Bid (2 original Pag-IBIG Website (www.pagibigfund.gov.ph)
copies) signed by the Bidder/Attorney-In-Fact or any Pag-IBIG Branch
3. Notarized Special Power of Attorney (SPA) Pag-IBIG Website (www.pagibigfund.gov.ph) or
signed by the bidder (1 original copy, 1 photocopy) any Pag-IBIG Branch/Person being Represented
For OFW
 For SPA executed and notarized in the Person being Represented
Philippines, include a photocopy of passport/
seaman’s book reflecting the entry date
and/or exit date to/from the Philippines (1
original copy, 1 photocopy)
2
61
 For documents executed abroad
 For Non-Apostille Countries - SPA duly Philippine Embassy of Host Country/Government
Officer, or SPA notarized by a local notary
(of the country where the member is
working) but duly authenticated by a
 For Apostille Countries - Apostille SPA Philippine Embassy of Host Country/Government
4. One (1) Valid ID of the Bidder and Attorney-In-
Fact (1 photocopy each, back-to-back) with 3
for authentication.
OF AN ORGANIZATION (JURIDICAL ENTITY)
copies) signed by the authorized representative or any Pag-IBIG Branch
3
62
3. Notarized Secretary Certificate signed by the Pag-IBIG Website (www.pagibigfund.gov.ph)
organization’s representative/s (1 original copy, (Sample Template)
1 photocopy)
4. One (1) Valid ID of the Bidder’s Authorized
1. Signed and notarized Certificate of Pag-IBIG Branch
Acceptance/Katibayan sa Pagtanggap (HQP-
AAF-145) (3 original copies).
for authentication.
1. On scheduled date, 1. Facilitate registration of None 1.5 Hours* Member
proceed to the venue bidder/representative Technical
of public auction. and issue Registration Working Group
1.1. Register as bidder Stub. (TWG)
and get
Registration Stub.
2. Attend pre-bid 2. Explain to bidders the None 1 Hour Member
conference. guidelines, business Technical
4
63
rules and procedures Working Group
of the public auction. (TWG)
3. Insert and seals the 3. Check details of None 10 Minutes Member
documents required Registration Stub. Technical
in an envelope. Working Group
3.1. Proceed to the 3.1. Affixes initials on None 10 Minutes (TWG)
designated bid box Registration Stub
and present and attach
Registration Stub to Registration Stub
the Member of (Pag-IBIG Fund
TWG. copy) to the sealed
envelope.
3.2. Drop the sealed 3.2. Request bidder to None 5 Minutes
envelope in the bid drop the sealed
box. envelope in the bid
box.
3.3. Get Registration 3.3. Issue Registration None 5 Minutes
Stub (Bidder copy). Stub (Bidder Copy)
to bidder.
4. Wait for the 4. Accept sealed bid None 1 Hour* Member
scheduled time of from other bidders Technical
opening of sealed until cut-off time. Working Group
bids. (TWG)
5. On scheduled time, 5. On scheduled time, None 2 Hours Member
witness the opening open, review and Technical
of bid offers. read each bid offer Working Group
from the bid box. (TWG)
5.1. After all bid offers None 30 Minutes
Committee on
have been read,
Disposition of
resolve issues or
ROPA
ties, if any.
5.2. Announces winning None 30 Minutes
bidder per property.
6. For non-winning 6. Generate Bid Bond None 30 Minutes Member
bidder, proceed to Acknowledgement (Simultaneous Technical
the Cashier to claim Receipt (AR, 2 copies). With Step No. 7) Working Group
the 5% bid bond. (TWG)
6.1. Return bid bond to None 10 Minutes
bidder.
Cashier
6.2. Request bidder to None 5 Minutes Loans Support
sign on AR. Services
Department
6.3. Issue AR (copy 1) to None 5 Minutes (LSSD)
bidder.
6.4. Safekeep AR (copy 2). None 10 Minutes
5
64
7. For winning bidder, 7. Counsel winning None 20 Minutes Member
attend post bidding bidders on (Simultaneous Technical
counseling. subsequent With Step No. 6) Working Group
procedures to (TWG)
undertake.
Cashier
7.1. Sign on Notice of 7.1. Generate the None 15 Minutes
Loans Support
Award and following documents:
Services
Certificate of  Notice of Award
Department
(2 copies)
Acceptance/ (LSSD)
 Certificate of
Pagtanggap. Katibayan sa
Pagtanggap (2
copies)
 Pag-IBIG Fund
Official Receipt
(PFOR) for the
bid bond c/o
Cashier
7.2. Get the following 7.2. Request bidder to None 10 Minutes
documents: sign on “Conforme”
 Notice of Award portion of Notice of
(copy 1) Award and on
 Certificate of Certificate of
Pagtanggap and
Pagtanggap (3 issue the following
copies) documents:
 Pag-IBIG Fund  Notice of Award
Official Receipt (copy 1)
(PFOR)  Certificate of
representing Acceptance/
payment of bid Katibayan sa
bond. Pagtanggap (3
copies)
 PFOR
7.3. Process 7.3. Advise winning None 5 Minutes
notarization of bidder to notarize
Certificate of Certificate of
Pagtanggap. Pagtanggap.
7.4. Submit Certificate of 7.4. Check notarization None 5 Minutes
Acceptance/ details of Certificate
Katibayan sa of Acceptance/
Pagtanggap (copy 1). Katibayan sa
6
65
Pagtanggap.
notification on
availability of Deed
of Conditional Sale
(DCS).
Deed of Conditional Marketing and
Sale (DCS). Sales
availability of DCS
Department
for signing.
notification on number for the desired Officer
availability of DCS, transaction.
proceed to the
Information Officer
and get a queue
number.
the DCS.
10.1.Sign DCS (4 copies).10.1.Record date of None 15 Minutes
signing of DCS.
10.2. Get DCS (4 copies) 10.2.Issue DCS (4 copies) None 5 Minutes
NOTE: The notary
public shall
Department
retain DCS
(copy 4).
11.1.Return notarized
DCS (copies 2 and
3) to Marketing and
Sales Department.
66
11.2.Within 30 calendar
days from signing
of DCS, return to
Pag-IBIG Fund to
pay the balance on
net offer price.
Days, 6 Hours
and 35 Minutes
67
Purchase of Acquired Assets under Public Auction (Through Short Term
Installment)
may select property to bid from the List of Acquired Assets for Public Auction posted in Pag-IBIG Fund
website together with the Invitation to Bid (ITB). The bid offer must not fall below the minimum bid
amount for the property set by the Fund. The bid offer shall be accompanied with a bid bond equivalent
to five percent (5%) of the bid offer. Interested bidders who has the highest bid offer on the property
shall be declared as the winning bidder and will have an exclusive right to purchase the property.
No discount is granted for buyer of properties under 1st public auction. On the other hand, a discount
is given to the buyer of the properties under 2 nd public auction depending on the chosen mode of
payment (Refer to the Invitation to Bid posted in Pag-IBIG Fund website, www.pagibigfund.gov.ph).
If the chosen mode of payment of the winning bidder is Short Term Installment, the balance on the
net offer price shall be paid in equal monthly installment and provided the chosen payment term shall
not exceed twelve (12) months subject to an interest based on the Full Risk-Based Pricing Framework
for three-year fixing period.
This service starts from registration of bidder up to availability of Deed of Conditional Sale (DCS) for
signature of the winning bidder.

Office or Division:  Loans Support Services Department (LSSD)
Business Center.


68
for authentication.
For OFW
10
69
Katibayan sa Pagtanggap (HQP- AAF-145) (3
original copies).
for authentication.
11
70
1 photocopy)
original copies).
for authentication.
12
71
1. On scheduled date, 1. Facilitate registration None 1.5 Hours* Member
proceed to the venue of bidder/ Technical
of public auction. representative and Working Group
1.1. Register as bidder issue Registration (TWG)
and get Stub.
Registration Stub.
envelope.
box.
to bidder.
4. Wait for the scheduled 4. Accept sealed bid None 1 Hour* Member
time of opening of from other bidders Technical
sealed bids. until cut-off time. Working Group
(TWG)
witness the opening open, review and read Technical
of bid offers. each bid offer from the Working Group
bid box. (TWG)
Committee on
have been read,
Disposition of
resolve issues or
ROPA
ties, if any.
the Cashier to claim Receipt (AR, 2 With Step No. 7) Working Group
the 5% bid bond. copies). (TWG)
13
72
bidder. Cashier
6.2. Request bidder to None 5 Minutes Loans Support
sign on AR. Services
Department
6.3. Issue AR (copy 1) to None 5 Minutes (LSSD)
bidder.
attend post bidding bidders on subsequent (Simultaneous Technical
counseling. procedures to With Step No. 6) Working Group
undertake. (TWG)
Award and following Cashier
Certificate of documents: Loans Support
Acceptance/  Notice of Award Services
Katibayan sa (2 copies) Department
Pagtanggap.  Certificate of (LSSD)
Acceptance/
Katibayan sa
Pagtanggap (2
copies)
 Pag-IBIG Fund
Official Receipt
(PFOR) for the
bid bond c/o
Cashier
Pagtanggap (3 Pagtanggap and
copies) issue the following
 Pag-IBIG Fund documents:
Official Receipt  Notice of Award
(PFOR) (copy 1)
representing  Certificate of
payment of bid Acceptance/
bond. Katibayan sa
Pagtanggap (3
copies)
 PFOR
14
73
Pagtanggap.
notification on
of Conditional Sale
(DCS).
Installments (2
copies)
In (2 copies)

availability of DCS
for signing.
proceed to the
Information Officer
and get a queue
number.
the DCS.
15
74
10.1. Sign DCS (4 10.1. Record date of None 15 Minutes
copies). signing of DCS.
10.2. Get DCS (4 10.2. Issue DCS (4 None 5 Minutes

copies) for copies) for
notarization notarization.
DCS. and check Marketing and
NOTE: The notary Department
public shall retain
DCS (copy 4).

Installments
(copy 1)
1) and Schedule of
Installments (copy
1).
11.3. Start paying
monthly
installments.
TOTAL None 6 Working Days,
6 Hours and 45
Minutes
16
75
Purchase of Acquired Assets under Public Auction (Through Long Term
Installment) (Winning the Public Auction)
If the chosen mode of payment of the winning bidder is Long Term Installment, the winning bidder
shall submit the required documentary requirements and incidental fees within thirty (30) calendar
days from date of reservation. (Refer to Citizens Charter on Purchase of Acquired Assets under Direct
Purchase/Public Auction/Negotiated Sale Stage 2 - Filing of Application for Long Term Installment).
This service starts from registration of bidder up to issuance of Notice of Award.

Office or Division:  Committee on Disposition of ROPA

17
76
4. Photocopy of Proof of Income (1 copy). Please refer to the acceptable proof of income
indicated in the Checklist of Requirements for
2. Payment of Processing Fee, advance 1-year Bidder
for authentication.
For OFW
18
77
for authentication.
19
78
1. On scheduled date, 1. Facilitate registration None 1.5 Hour* Member
proceed to the of bidder/ Technical
venue of public representative and Working Group
auction. issue Registration (TWG)
Stub.
1.1. Register as bidder
and get
Registration Stub.
envelope.
box.
to bidder.
bids. (TWG)
bid box. (TWG)
Committee on
have been read,
Disposition of
resolve issues or
ROPA
ties, if any.
20
79
Cashier
bidder.
Loans Support
6.2. Request bidder to None 5 Minutes Services
sign on AR. Department
(LSSD)
6.3. Issue AR (copy 1) to None 5 Minutes
bidder.
6.4. Safekeep AR (copy None 10 Minutes
2).
7. For winning bidder, 7. Inform winning bidder None 20 Minutes Member
attend post bidding on the documentary (Simultaneous Technical
counseling. requirements to be With Step No. 6) Working Group
submitted and (TWG)
required incidental
Cashier
fees to be paid upon
Loans Support
submission of
Services
application for long
Department
term installment
(LSSD)
(Refer to Citizens
Charter on Purchase
of Acquired Assets
under Direct
Purchase/Public
Auction/Negotiated
Term Installment)
Award and following
Certificate of documents:
 Notice of Award
Acceptance/
(2 copies)
Pagtanggap. Acceptance/
Katibayan sa
Pagtanggap (2
copies)
 Pag-IBIG Fund
Official Receipt
(PFOR) for the bid
bond c/o Cashier
21
80
Award and on
(copy 1)
Certificate of
 Certificate of Acceptance/
Acceptance/ Katibayan sa
Katibayan sa Pagtanggap and
copies) documents:
(copy 1)
Official Receipt
Certificate of
(PFOR) Acceptance/
representing Katibayan sa
payment of bid Pagtanggap (3
bond. copies)
 PFOR
7.3. Within 30 calendar 7.3. Advise to submit None 5 Minutes
days from date of documentary
public auction, requirements
return to Pag-IBIG based on checklist
Fund to pay to within 30 calendar
submit complete days from date of
documentary public auction.
requirements
based on checklist
and pay the
required incidental
fees.
(Refer to Citizens
Charter on Purchase
of Acquired Assets
under Direct
Purchase/Public
Auction/Negotiated
of Application for
Long Term
Installment)
TOTAL None 7 Hours and 50
Minutes
22
81
4. Purchase of Acquired Assets under Direct Purchase/Public Auction/ Negotiated
Sale (Through Long Term Installment) (Stage 2 - Filing of Application for Long-
Term Installment)
Long Term Installment is one of the mode of payment under Direct Purchase/Public
Auction/Negotiated Sale. This program grants opportunities to Pag-IBIG Fund members to purchase
a Pag-IBIG Fund Real and Other Properties Acquired (ROPA) thru Long-Term Installment payment
scheme in which the buyer of ROPA pays the approved amount of installment sale in more than
twelve (12) equal monthly installments up to maximum of thirty (30) years.
This service shall start from the receipt of application for long-term installment and required
documents up to availability of Notice of Approval of Sale and Deed of Conditional Sale (DCS) for
signing.
Office or Division:  Marketing and Sales Department

 Property Management Department
 Any Pag-IBIG Branch. However, the application shall be forwarded to
and processed by the concerned NCR/Regional Housing Business
Center.
requirement:
- Must be an active member under the Pag-IBIG I Membership
Program as evidenced by the remittance of at least twenty-four (24)
monthly savings at the time of application.
number, may be allowed to apply for this program; provided, his total
savings upon application is at least equivalent to 24 monthly savings
based on the mandatory rate, inclusive of the employee (EE) and the
employer (ER) counterparts.
- A non-member who wishes to apply for long-term installment may be
allowed to do so; provided, he remits the required 24 monthly savings
based on the mandatory rate in lump sum, inclusive of the EE and
ER counterparts. Said lump sum amount shall be considered a single
remittance for the applicable month as of the payment date.
 Not more than sixty-five (65) years old at the date of application and not
more than seventy (70) years old at the end of payment term;
 Has the legal capacity to acquire and encumber real property;
 Has passed satisfactory background/credit and employment/business
checks of Pag-IBIG Fund;
 If with existing Pag-IBIG housing account, either as principal buyer /
82
Upon application
1. Duly accomplished Buyer’s Information Sheet Pag-IBIG website (www.pagibigfund.gov.ph) or
with recent 1”x1” colored ID photo of Buyer (2 in any Pag-IBIG Branch
original copies, HQP-AAF-116)
Note: For employers who are requiring their
employees of an authorization letter
allowing said employer to disclose
employment information to Pag-IBIG
Fund, the buyer shall execute a letter in
the format being required by his/her
employer.
2. Co-Buyer’s Information Sheet with recent 1”x1” Pag-IBIG website (www.pagibigfund.gov.ph) or
ID photo of Co-Buyer (2 original copies, HQP- in any Pag-IBIG Branch
AAF-117), if applicable
3. Frequently Asked Questions (FAQ) (Have read Pag-IBIG website (www.pagibigfund.gov.ph) or

and signed back to back) (1 copy) in any Pag-IBIG Branch
4. Proof of Income
For Locally Employed, any of the following:
a. Notarized Certificate of Employment and Employer
Compensation (CEC), indicating the gross
monthly income and monthly allowances or
monthly monetary benefits received by the
employee (1 original copy) duly signed by the
authorized signatory of the employer. For
system generated CEC, notarize the said
CEC with signature of the authorized
signatory of the employer.
b. Latest Income Tax Return (ITR) for the year Employer

immediately preceding the date of loan
application, with attached BIR Form No. 2316,
duly acknowledged by the BIR or authorized
representative of employer (1 photocopy).
c. One (1) Month Payslip, within the last three Employer

(3) months prior to date of loan application
with name and signature of the authorized
signatory of employer (1 certified true copy).
83
NOTE: For government employees who will
be paying their loan amortization
through salary deduction, the original
copy of one (1) Month Payslip, within
the last three (3) months prior to date
of loan application, must be submitted
together with CEC or ITR as
mentioned above.
For Self-Employed, any of the following:

a. ITR (1 certified true copy) (BIR Form No. Bureau of Internal Revenue (BIR)/ Department
1701) duly certified by BIR, Audited of Trade and Industry (DTI)/Municipal’s Office/
Financial Statements (1 photocopy), and City Hall
supported with DTI Registration and Mayor’s
Permit/Business Permit (1 photocopy) and
sketch-map of business location
b. Commission Voucher (1 photocopy) or Employer

Certification of commissions received (1
original copy) reflecting the issuer’s name
and contact details (for the last 12 months)
c. Bank Statements (1 original copy) or Issuing Bank

passbook (1 photocopy) for the last 12
months (in case income is sourced from
foreign remittances, pensions, etc.) with
authorization from the depositor to conduct
bank verification indicating the following
information (account name, type, number,
opening date, depository bank, signature
over printed name of depositor and details of
credit investigator from Pag-IBIG Fund).
d. Notarized Lease Contract and proof of Property Owner

ownership or rights over the property subject
of lease (1 photocopy) (if income is derived
from rental payments)
e. Certified True Copy of Transport Franchise Local Government Unit (LGU)/Land

issued by appropriate government agency Transportation Franchising and Regulatory
(LGU for tricycles, LTFRB for other PUVs, Board (LTFRB)/ Transportation Association/
MARINA for sea transportation) and valid Maritime Industry Authority (MARINA)
Official Receipt (OR)/Certificate of
Registration (CR) (1 photocopy)
84
f. Certificate of Engagement (HQP-HLF-111)

Owner Authorized to Certify
issued by owner of business/person availing
Micro-entrepreneurs Barangay Captain or
of the services (1 original copy).
Barangay Secretary,
provided with written
authorization from the
Barangay Captain
Agriculture/Forestry/ DAR/DENR/DA/LGU/L
Fishery and Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Private Household Employer, duly
certified by Barangay
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Transport Operator, duly certified
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
Other Community, Business
Social and Personal Owner/Person availing
Service Activities of the service, duly
Captain or Barangay
Secretary, provided
with written
Barangay Captain
g. ITR BIR Form No. 1701 (1 photocopy) for BIR

fees on professional services, commissions
or services rendered (for the last 12
months).
85
NOTE: The applicant should submit ITR BIR
Form No. 2307 (1 photocopy) to
support/supplement the income
document mentioned above.
For Overseas Filipino Workers (OFWs) any of

the following:
a. Employment Contract duly certified by
POEA, Philippine Consular Office at Host
Country or MSO at Pag-IBIG Overseas Post
within the past 12 months
 Employment Contract between employee Borrower/POEA/Philippine Consular Office at

and employer (1 photocopy); Host Country or MSO at Pag-IBIG Overseas
Post
 POEA Standard Contract Borrower/POEA/Philippine Consular Office at

(1 Photocopy) Host Country or MSO at Pag-IBIG Overseas
Post
b. Certificate of Employment and Compensation

(CEC) within the past 12 months
 CEC written on the Employer/ Company’s Employer

official letterhead (1 original copy); or
 CEC (1 original copy) signed by employer Employer

(for household staff and similarly situated
employees) supported by a photocopy of
the employer’s ID;
The applicant should submit any of the

following documents to support/supplement the
income documents mentioned above:
- Payslip indicating income received and Employer

period covered (1 photocopy)
- Valid OWWA Membership Certificate (1 Overseas Workers Welfare Administration
photocopy) (OWWA)
- Overseas Employment Certificate (1 Philippine Overseas Employment
photocopy) Administration (POEA)/ Employer
- Passport with appropriate visa (Working Host country/Government
Visa) (1 photocopy)
86
- Residence card/permit (permit to stay Host country/Government
indicating work as the purpose) (1
photocopy)
- Bank remittance record (1 original copy) Issuing Bank
NOTE: If documents are in foreign language/s,

English translation is required.
5. One (1) Valid ID with signature (1 photocopy

each, back-to-back) with 3 specimen signatures
of Buyer and Co-Buyers. Any of the following:
- OWWA ID Overseas Workers Welfare Administration
(OWWA)
- Overseas Filipino Worker (OFW) ID Philippine Overseas Employment Administration
(POEA)
- Department of Social Welfare and Department of Social Welfare and
Development (DSWD) Certification Development (DSWD)
6. Insurance Coverage
a. Health Statement Form (Medical Pag-IBIG Branch
Questionnaire) (1 original copy)
 For buyers over 60 years old
 For buyers up to 60 years old, if loan is
over P2.0M to P6.0M
87
b. Health Statement Form (Medical Pag-IBIG Branch/Servicing Department and
Questionnaire) (1 original copy) and Copy Medical Hospital
of the result of medical examination
conducted prior to assignment overseas as
required by the employment agency (1
photocopy)
 For OFW borrowers over 60 years old
7. Notarized Certificate of Acceptance/Katibayan Pag-IBIG Website (www.pagibigfund.gov.ph)

sa Pagtanggap (HQP-AAF-145, 3 copies) or in any Pag-IBIG Branch
8. Photocopy of Official Receipts for the Payment Buyer

of processing fee and 1-year advance
insurance premium
9. If with outstanding Housing Account with Pag- Pag-IBIG Branch

IBIG Fund
 Notice of Application for a New Housing
Account (HQP-HLF-409) with signature of
other borrower/s of the existing housing
account on the “Conforme” portion of the
notice signifying their consent and
awareness to the policies on availment of
multiple housing in Pag-IBIG Fund.
Upon approval of application

1. Payment of equity in case the approved amount Pag-IBIG Branch
for installment sale is not sufficient to cover the
net selling price of the property.
2. Notarized Deed of Conditional Sale (HQP-AAF- Pag-IBIG Branch

141, 4 copies) between Pag-IBIG Fund and the
Buyer.
3. Authority to Deduct (2 copies) (for buyer who opt Pag-IBIG Branch

to pay the monthly installment through salary
deduction).
for authentication.
88
THRU REPRESENTATIVE/ATTORNEY-IN-FACT
Upon application
1. Duly accomplished Buyer’s Information Sheet Pag-IBIG Website (www.pagibigfund.gov.ph)
with recent 1”x1” colored ID photo of Buyer (2 or in any Pag-IBIG Branch
employer.


4. Proof of Income of person being represented

employee (1 original copy) duly signed by
the authorized signatory of the employer.
For system generated CEC, notarize the
said CEC with signature of the authorized
application, with attached BIR Form No.
2316, duly acknowledged by the BIR or
authorized representative of employer (1
photocopy).
signatory of employer (1 certified true
copy).
89
through salary deduction, the
original copy of one (1) Month
Payslip, within the last three (3)
months prior to date of loan
application, must be submitted
mentioned above.

a. ITR (1 certified true copy) (BIR Form No. 1701) Bureau of Internal Revenue (BIR)/ Department
duly certified by BIR, Audited Financial of Trade and Industry (DTI)/ Municipal’s Office/
Statements (1 photocopy), and Official Receipt City Hall
of tax payment from bank supported with DTI
Registration and Mayor’s Permit/Business
Permit (1 photocopy) and sketch-map of
business location

credit investigator from Pag-IBIG Fund)
e. Certified True Copy of Transport Franchise Local Government Unit (LGU)/ Land
90
f. Certificate of Engagement (HQP-HLF-111) Owner Authorized to
issued by owner of business/person availing Certify
of the services (1 original copy) Micro-entrepreneurs Barangay Captain or
Barangay Secretary,
authorization from
the Barangay
Captain
Agriculture/Forestry/ DAR/DENR/DA/LGU/
Fishery Land Owner/
Barangay Captain or
Barangay Secretary,
authorization from
the Barangay
Captain

Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Transport Operator, duly
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Community, Social Business
and Personal Service Owner/Person
Activities availing of the
service, duly certified
by Barangay Captain
or Barangay
Secretary, provided
with written
authorization from
Barangay Captain
10
91
g. ITR Form No. 1701 (1 photocopy) for fees on BIR
professional services, commissions or
services rendered (for the last 12 months).
For Overseas Filipino Workers (OFWs), any of
the following:
and employer (1 photocopy) Host Country/MSO at Pag-IBIG Overseas Post
(1 photocopy) Host Country/MSO at Pag-IBIG Overseas Post
The applicant should submit any of the following
documents to support/supplement the income
documents mentioned above:
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)
11
92
5. Notarized Special Power of Attorney (SPA) Pag-IBIG website (www.pagibigfund.gov.ph) or
executed by buyer (1 original copy, 1 photocopy) in any Pag-IBIG Branch/Person being
Represented
For OFW
 SPA notarized prior to date of departure with Person being Represented
photocopy of passport indicating the date of
arrival and departure (1 original copy, 1
photocopy). Supported by E-ticket.
 For documents executed abroad (1 original
copy, 1 photocopy)
 For Non-Apostille Countries - SPA duly Philippine Embassy of Host Country/
authenticated by a Philippine Consular Government
notary (of the country where the buyer is
 For Apostille Countries - Apostille SPA Philippine Embassy of Host Country/
Government
each, back-to-back) of Buyer and Co-Buyer and
Attorney-In-Fact. Any of the following:
(POEA)
12
93
a. Health Statement Form (Medical Pag-IBIG Branch/Servicing Department
over P2.0M to P6.0M
Questionnaire) and Copy of the result of Medical Hospital
medical examination conducted prior to
assignment overseas as required by the
employment agency (1 photocopy)
8. Notarized Certificate of Acceptance/Katibayan Pag-IBIG Website (www.pagibigfund.gov.ph) or
sa Pagtanggap (HQP-AAF-145, 3 copies) in any Pag-IBIG Branch
of processing fee and 1-year advance insurance
premium
10. If with outstanding Account with Pag-IBIG Pag-IBIG Branch
Fund
notice signifying their consent and awareness
to the policies on availment of multiple
housing in Pag-IBIG Fund.
selling price/net offer price of the property.
Buyer
deduction)
for authentication.
13
94
Information Officer number for desired Officer
and get a queueing transaction.
number and wait for
the number to be
called.

documents once documents and Specialist**
your number is check for Marketing and
called. completeness. Sales
Department
2.1 Present the original 2.1 Verify the following: None 20 Minutes
copies of the - Membership
documents for Status
- Housing loan
authentication.
Status
2.2 Get the POF that 2.2 Generate and issue None 10 Minutes
will be issued. Payment Order Form
(POF, HQP-AAF-006
2 copies) for the
payment of the
following:
- Processing fee
- Advance One (1)
Year Sale
Redemption
Insurance Premium
- Non-Life Insurance
Premium and
- Down payment, if
applicable.
NOTE: Separate
POF shall be
generated per fees
stated above.
2.3Advise buyer to pay None 5 Minutes

LSSD.
14
95
3. Present POF (2 3. Accept the payment Processing 30 Minutes* Cashier
copies) and pay the based on the POF. Fee – PHP LSSD
required fees at 2,000
LSSD once your
number is called.
3.1 Get the PFOR (copy 3.1 Generate and issue 15 Minutes
1) and POF (copy 1) Pag-IBIG Fund
that will be issued Official Receipt
upon payment. (PFOR).
4. Photocopy the 4. Receive the PFOR None 30 Minutes* Marketing
PFOR and return to (photocopy). Specialist**
Marketing and Sales Marketing and
Department 4.1 Ensure that the None 10 Minutes Sales
Department
PFOR number is
4.1Submit the PFOR already reflected in
(photocopy) once the system and
your number is amount paid is
called. correct.
4.2Present the original 4.2 Generate and issue None 15 Minutes
copy of the PFOR Acknowledgement
for authentication. Receipt (AR, HQP-
AAF-122).
4.3 Get the AR that will
be issued to 4.3 Advise to wait for None 5 Minutes
acknowledge the notification on
receipt of the availability of NOAS
documents. and DCS.
4.4 Set-up application None 1 Working Day Data Encoder
record of buyer. III**
Marketing and
Sales Dept.
4.5 Retrieve vital None Records Officer**
documents of the Property
property. Management Dept.
4.6 Conduct Credit and None Credit

9 Working Investigator III**
Background
Days Servicing Dept.
Investigation and
process signing of or
Credit Investigation Acquired Assets
Officer III**
Report (CIR).
Marketing and
Sales Dept.
15
96
NOTE: The retrieval of
vital documents
and conduct of
Credit and
Background
Investigation
shall be done
simultaneously.
4.7 Evaluate application None 7 Working Acquired Assets

and generate the Days Officer III**
following documents: Marketing and
- Evaluation Sheet Sales
- Notice of Approval Department
of Sale (NOAS, 2
copies)
- Deed of
Conditional Sale
(DCS, 4 copies)
- Authority to Move-
In (ATMI, 2 copies)
4.8Review and approve None 2 Working Approving
application for long Days Authority
term installment.
4.9Inform the buyer on None 30 Minutes Acquired Assets
the approval/ Officer III**
disapproval of Marketing and
application for long Sales
term installment. Department
NOTE:
For disapproved
application, a Notice of
Disapproval of Sale
(NODS) shall be
issued to the buyer.
NOTE: The waiting time for the buyer to claim the NOAS and DCS after notification is excluded in the
processing time. The processing shall resume upon appearance of the buyer to sign the DCS.
16
97
5. Upon receipt of 5. Provide queue None 1.5 Hour* Information
approval of desired transaction.
application, return to
Pag-IBIG Fund
Office and get a
queue number. Wait
called.
6. Once your number is 6. Explain to buyer the None 30 Minutes Marketing

called, proceed at content of NOAS and Specialist**
the designated DCS. Marketing and
6.1 Advice the buyer None 10 Minutes Department
counter and get the
and co-buyer to sign
following
“Conforme” portion
documents:
of the NOAS.
- Notice of Approval
of Sale (NOAS, 2 6.2 Issue NOAS (copy 1). None 10 Minutes
copies)
- Deed of NOTE:
Conditional Sale For buyer with
(DCS, 4 copies) equity:
- ATMI (2 copies)  Issue POF (2
copies) and pay
the required
equity at LSSD.
 Advise buyer to
return once
payment has
been made for
signing of DCS.
7. Sign DCS (4 copies). 7. Facilitate signing of None 15 Minutes Marketing

DCS. Specialist**
Marketing and
Sales
Department
17
98
7.1 Get DCS (4 copies) 7.1 Record date of None 5 Minutes
for notarization. signing of DCS.
7.2 Process notarization 7.2 Issue DCS (4 copies) None 10 Minutes

of DCS. for notarization.
NOTE: The notary

public shall retain
DCS (copy 4).
7.3 Return notarized 7.3 Receive notarized None 10 Minutes

DCS (copies 2 and DCS (copies 2 and
3) to Marketing and 3) and check
Sales Department. notarization details.
7.4 Get the following 7.4 Generate Notice of None 10 Minutes

documents: Installment (NOI)
- DCS (copy 1) and issue the
- ATMI (copy 1) following documents
- NOI (copy 1) to buyer:
- Photocopy of title - DCS (copy 1)
- ATMI (copy 1)
- NOI (copy 1)
- Photocopy of title
7.5 Start paying the

monthly installment.
PHP 20 Working
TOTAL:
2,000.00 Days
18
99
ACQUIRED ASSETS
(REGION)
EXTERNAL SERVICES
100
1. Purchase of Acquired Assets through Negotiated Sale (Retail Sale)
(Acceptance of Offers)
Negotiated Sale refers to the sale of Pag-IBIG Fund Real and Other Properties Acquired (ROPA)
which remains unsold after 2nd public auction. Interested buyers may select property to purchase
from the List of Acquired Assets for Negotiated Sale posted in Pag-IBIG Fund website. The Offer
to Purchase (OTP) shall be sealed in an envelope and drop it in the designated drop box located
in concerned Pag-IBIG Fund Office. On scheduled date, all the sealed offers received will be
opened and reviewed. Interested buyers who has the highest offer on the property shall be
declared as the winning buyer and will have an exclusive right to purchase the property. The
winning buyer shall pay the non-refundable reservation fee of P1,000.00 within five (5) working
days from receipt of Notice of Award and comply with the requirements stated on the said notice.
In addition, a discount on the offered price shall be given to the winning buyer depending on the
chosen mode of payment:
Mode of Payment Payment Term Discount Rate
Cash 30 days 30%
Short-Term Installment Maximum of 12 months 20%
Long-Term Installment Maximum of 30 years 10%
This service starts from registration of buyer up to issuance of Notice of Award.
 Acquired Assets Division – Loans Management and Recovery
Department (AAD-LMRD)/Loans Remediation/Recovery Division -
Office or Division: Loans Management and Recovery (LRRD-LMR)/Loans
Management Division (LMD)
Business Center.
If mode of payment is through Long Term Installment, the buyer shall
Who may avail: satisfy the following requirement:
Program as evidenced by the remittance of at least twenty-four
(24) monthly savings at the time of application.
number, may be allowed to apply for this program; provided, his
total savings upon application is at least equivalent to 24
1
101
monthly savings based on the mandatory rate, inclusive of the
employee (EE) and the employer (ER) counterparts.
- A non-member who wishes to apply for long-term installment
may be allowed to do so; provided, he remits the required 24
monthly savings based on the mandatory rate in lump sum,
inclusive of the EE and ER counterparts. Said lump sum amount
shall be considered a single remittance for the applicable month
as of the payment date.
 Not more than sixty-five (65) years old at the date of application and
not more than seventy (70) years old at the end of payment term;
 Has passed satisfactory background/credit and
employment/business checks of Pag-IBIG Fund;
 If with existing Pag-IBIG housing account, either as principal buyer/

AAF-212, 2 original copies) signed by the Buyer or any Pag-IBIG Branch
following:
2
102
for authentication.
INDIVIDUAL PERSON
AAF-212, 2 original copies) signed by the Buyer/ or any Pag-IBIG Branch
Attorney-In-Fact
2. Authorization Letter signed by the Buyer (1 Buyer
original or printed digital copy) – only applicable
for dropping of offer (NOTE: Photocopy of the
notarized SPA is required upon claiming the
Notice of Award after winning the negotiated
sale.) or;
Notarized Special Power of Attorney (SPA) Person being Represented
signed by the buyer (1 original copy, 1
photocopy)
For OFW
3
103
of Payment (HQP-AAF-253).
for authentication.
AAF-213, 2 original copies) signed by the or any Pag-IBIG Branch
authorized representative.
2. Notarized Secretary Certificate or Buyer
Authorization Letter signed by the organization’s
authorized representative/s. Buyer
NOTE: Photocopy of the Secretary Certificate is
required upon claiming the Notice of
Award after winning the negotiated sale.
4
104
for authentication.
1. On scheduled date 1. Provide queue None 1.5 Hours* Information
of acceptance of number for the Officer
offer, proceed to the desired transaction.
Information Officer
and get a queue
number.
1.1. Wait for the
queue number
to be called.
2. Once your number is 2. Facilitate registration None 30 Minutes Marketing

called, proceed and and issue Registration Specialist**
register at the Stub. AAD-LMRD/
designated frontline LRRD-LMR/
servicing counter. LMD
5
105
2.1. Receive
Registration Stub.
3. Insert and seals the 3. Check details of None 10 Minutes Marketing
documents required Registration Stub. Specialist**
in an envelope. AAD-LMRD/
LRRD-LMR/
3.1. Proceed to the drop 3.1. Affixes initials on None 15 Minutes
LMD
box and present Registration Stub
Registration Stub. and attach
Registration Stub
(Pag-IBIG Fund
copy) to the sealed
envelope.
3.2. Drop the sealed 3.2. Request buyer to None 10 Minutes
envelope in the drop drop the sealed
box. envelope in drop box.
Stub (Buyer copy). Stub (Buyer Copy) to
buyer.
4. Wait for notification 4. Continue to accept None 4 Days* Member
on the result of sealed offers from Technical
negotiated sale. interested buyers Working Group
4.1. At cut-off time, close None (TWG)
the acceptance of
sealed offers. Committee on
Disposition of
4.2. Open and review None ROPA
each sealed
envelope from the
drop box.
1 Day
4.3. Read and record None
offers.
4.4. After all offers have None
been read,
determines winning
buyer per property.
4.5. Generate and None 1 Day
process signing of
Notice of Award.
4.6. Notify winning and None 3.5 Hours
non-winning buyers
on the result of
negotiated sale.
NOTE: The waiting time for the winning buyer to claim the Notice of Award after notification is excluded
in the processing time. The processing shall resume upon appearance of the buyer to claim the
Notice of Award.
6
106
5. Upon receipt of 5. Provide queue None 1 Hour* Information
availability of Notice desired transaction.
of Award, proceed to
the Information
Officer and get a
queue number.
6. Once your number is 6. Counsel winning None 30 Minutes Marketing
called, proceed to buyer on subsequent Specialist**
the designated procedures to AAD-LMRD/
frontline servicing undertake LRRD-LMR/
counter and get LMD
Notice of Award.
NOTE: In case of 6.1. Request buyer to None 10 Minutes
representative, sign on “Conforme”
present required portion of Notice of
documents. Award.
6.1. Comply with the 6.2. Issue Notice of None 5 Minutes
requirements stated Award to buyer.
in Notice of Award
NOTE: The winning
within five (5)
buyer shall pay the
working days from
following within 5 working
receipt of said
days from receipt of
notice.
Notice of Award:
 Reservation Fee
 Downpayment at least
5% of Net Offer Price
(for cash or short-term
installment).
Days
7
107
Cash) (Compliance on Notice of Award)
of the net offer price within five (5) working days from receipt of Notice of Award. The balance on the
net offer price shall be paid not later than thirty (30) calendar days from date of signing of Deed of
Conditional Sale (DCS). No interest shall be charged.

Loans Management and Recovery (LRRD-LMR)/Loans
Office or Division:
 Branch Support - Branch
 Any Pag-IBIG Branch. However, the application shall be
Who may avail:
of payment is Cash.

of acquired asset
following:
108
For compliance after payment of reservation fee and downpayment
(3 original copies)
for authentication.
INDIVIDUAL PERSON
acquired asset
For OFW
 For SPA executed and notarized in the Philippine Embassy of Host Country/Government
 For documents executed abroad Philippine Embassy of Host Country/Government
Philippine Consular Officer.
109

fee and downpayment
(3 original copies)
for authentication.
acquired asset
2. Notarized Special Power of Attorney (SPA) or Buyer
Secretary Certificate signed by the
organization’s authorized representative/s (1
original copy, 1 photocopy).
10
110
fee and downpayment
(3 original copies)
for authentication.
number.
11
111
your queue number for completeness. AAD-LMRD/
is called. LRRD-LMR/
LMD
2.1. Sign on the 2.1. Generate the None 10 Minutes
Specialist: Pagtanggap (3
 Certificate of copies)
following:
- Non-Refundable
Reservation Fee
– Php 1,000.00
- Downpayment
of net offer price

copies)
 Reservation
Form (2 copies)
documents:
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 POF (2 copies)
12
112
Cashier and process
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
pay the reservation based on the POF. refundable Branch Support
fee and reservation - Branch
downpayment of at fee -
selling price at
Cashier once your
number is called.
Official Receipt
(PFOR).
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
4. Return to AAD- 4. Ensure that the None 30 Minutes* Marketing
LMRD/LRRD-LMR/ buyer’s name and Specialist**
LMD and once your amount paid are AAD-LMRD/
number is called, correct. LRRD-LMR/
present the original LMD
copy of PFOR.
PFOR is
necessary.
1 and 2).
13
113
copy) copy)
notification on
Deed of Conditional 5.1. Notify buyer on None 4 Hours AAD-LMRD/
Sale (DCS). availability of DCS LRRD-LMR/
for signing. LMD
proceed to the
Information Officer
and get a queue
number.
the designated AAD-LMRD/
frontline servicing LRRD-LMR/
counter and claim LMD
the DCS.
signing of DCS.
and check AAD-LMRD/
NOTE: The notary
notarization details. LRRD-LMR/
public shall retain
LMD
DCS (copy 4).
DCS (copies 2 and
3) to AAD-LMRD/
LRRD-LMR/LMD.
days from signing
14
114
of DCS, return to
Pag-IBIG Fund to
pay the balance on
net selling price.
TOTAL PHP 6 Working
1,000.00 Days and 3
Hours
15
115
Short Term Installment) (Compliance on Notice of Award)
shall pay a non-refundable reservation fee of P1,000.00 and a downpayment of at least five percent
(5%) of the net offer price within five (5) working days from receipt of Notice of Award. The balance
on the selling price shall be paid in equal monthly installment and provided the chosen payment
term shall not exceed twelve (12) months subject to an interest based on the Full Risk-Based Pricing
Office or Division:
Business Center.
Who may avail:
of payment is Short Term Installment.
of acquired asset
following:
16
116
fee and downpayment
(3 original copies)
for authentication.
INDIVIDUAL PERSON
acquired asset
For OFW
17
117
fee and downpayment
(3 original copies)
for authentication.
acquired asset
1 photocopy)
18
118
fee and downpayment
Pag-IBIG Branch
original copies)
for authentication.
number.
LMD
2.1. Sign the following 2.1. Generate the None 10 Minutes
documents that will following documents:
be prepared by the  Certificate of
19
119
Marketing Acceptance/
Specialist: Katibayan sa
 Certificate of Pagtanggap (3
Acceptance/ copies)
Katibayan sa  Reservation Form
Pagtanggap (3 (2 copies)
copies)  Payment Order
 Reservation Form (POF, 2
Form (2 copies) copies) for
payment of the
following:
- Non-Refundable
Reservation Fee
– Php 1,000.00
- Downpayment
(DP) – at least
5% of the net
selling price

copies)
(2 copies)
documents:
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 POF (2 copies)
Cashier and process
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
20
120
fee and reservation - Branch
downpayment of at fee -
selling price at
Cashier once your
number is called.
Official Receipt
(PFOR).
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
present the original NOTE: Photocopy/scan LMD
copy of PFOR. PFOR is
necessary.
1 and 2).
copy) copy)
notification on
Deed of Conditional documents: AAD-LMRD/
21
121
Sale (DCS).  DCS (4 copies) LRRD-LMR/
 Schedule of LMD
Installments (2
copies)
In (ATMI, 2 copies)
availability of DCS
for signing.
proceed to the
Information Officer
and get a queue
number.
the DCS.
signing of DCS.

and check AAD-LMRD/
NOTE: The notary notarization details. LRRD-LMR/
public shall LMD
retain DCS
(copy 4).
3) to AAD-LMRD/  ATMI (copy 1)
LRRD-LMR/LMD.  Schedule of
Installments
8.2. Get the ATMI (copy (copy 1)
1) and Schedule of
22
122
Installments (copy
1).
8.3. Start paying
monthly
installments.
TOTAL PHP 6 Working
and 10 Minutes
23
123
Long Term Installment) (Compliance on Notice of Award)
shall pay a non-refundable reservation fee of P1,000.00 within five (5) working days from receipt of
Notice of Award. The winning buyer shall submit the required documentary requirements and
incidental fees within thirty (30) calendar days from date of reservation. (Refer to Citizens Charter
on Purchase of Acquired Assets under Direct Purchase/Public Auction/Negotiated Sale Stage 2 -
Filing of Application for Long Term Installment).
This service starts from payment of reservation fee up to approval of reservation.
Office or Division:
Who may avail:
of payment is Long Term Installment.
of acquired asset
following:
24
124
for authentication.
INDIVIDUAL PERSON
acquired asset
For OFW
25
125
for authentication.
acquired asset
1 photocopy).

26
126
for authentication.
number.
2.1. Sign on the 2.1. Generate the None 10 Minutes LMD
Specialist: Pagtanggap
 Certificate of 3 copies)
Non-Refundable
27
127
Reservation Fee –
Php 1,000.00
that will be issued. documents:
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 Reservation
Form (2 copies)
Cashier.
fee at Cashier once reservation - Branch
your number is fee -
called. P1,000.00
Official Receipt
(PFOR).
copy of PFOR.
PFOR is
necessary.
4.1. Receive the 4.1. Inform buyer on the None 10 Minutes
submitted and
 Reservation required incidental
Form (1 copy) fees to be paid upon
 Certificate of submission of
Acceptance/ application for long
Katibayan sa term installment.
Pagtanggap (3
copies) (Refer to Citizens
Charter on Purchase
of Acquired Assets
under Direct
28
128
Purchase/Public
Auction/Negotiated
of Application for
Long Term
Installment)
reservation, return documents:
to Pag-IBIG Fund to  Reservation
pay to submit Form (1 copy)
complete  Certificate of
documentary Acceptance/
requirements based Katibayan sa
on checklist and pay Pagtanggap (3
the required copies)
incidental fees.
4.3. Advise to submit None 5 Minutes
(Refer to Citizens
documentary
Charter on
requirements based
Purchase of
on checklist within 30
Acquired Assets
calendar days from
under Direct
Purchase/Public
Auction/Negotiated
Sale Stage 2 –
Filing of Application
for Long Term
Installment)
TOTAL PHP 3 Hours and
1,000.00 55 Minutes
29
129
2. Purchase of Acquired Assets under Direct Purchase (Through Cash)
Direct Purchase refers to the purchase of Pag-IBIG Fund acquired asset by the present
occupant. An Invitation to Purchase (ITP) is sent to the present occupant of the Pag-IBIG Fund
acquired asset. Within fifteen (15) calendar days from receipt of ITP, the present occupant shall
submit an Offer to Purchase (OTP), indicating his/her chosen mode of payment, and pay a non-
refundable reservation fee of P1,000.00. The selling price of the subject property shall be based
on its latest appraised value. No discount is granted under direct purchase.
If the chosen mode of payment of the present occupant is Cash, a downpayment of at least five
percent (5%) of the selling price shall be paid together with the reservation fee. The balance on
the selling price shall be paid not later than thirty (30) calendar days from date of signing of Deed
of Conditional Sale (DCS). No interest shall be charged.
If the present occupant failed to purchase the property within the prescribed period given, the
said property shall be offered to other applicable mode of sale and the present occupant shall
vacate the property and surrender to Pag-IBIG Fund.
Office or Division:
Business Center.

130

subject property
2
131
and downpayment
original copies)
for authentication.
1. Invitation to Purchase (ITP, HQP-AAF-002) duly Issued by Pag-IBIG Fund to present occupant of
received by the present occupant or its acquired asset
representative
1 photocopy)
132
Association Dues, provided the address of
the property is indicated in the OR by the HOA
subject property
8. Payment of Non-Refundable Reservation Fee of Present Occupant
and downpayment
(3 original copies)
for authentication.
number.
4
133
Direct Purchase inform the client on AAD-LMRD/
once your queue the selling price. LRRD-LMR/
number is called. LMD
and requests to
comply on the
documentary
requirements.
for completeness. AAD-LMRD/
LRRD-LMR/
LMD
documents that will
be prepared by the
Marketing
Specialist:
 Offer to
Purchase (OTP,
1 copy)
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 Reservation
Form (2 copies)
Pagtanggap (3
copies)
(2 copies)
 Payment Order
Form (POF, 2
copies) for
payment of the
following:
- Non-Refundable
Reservation Fee
5
134
– Php 1,000.00
- Downpayment
(DP) – at least
5% of the selling
price
documents:
(OTP, 1 copy)
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 Reservation
Form (2 copies)

documents:
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 POF (2 copies)
Cashier and process
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
pay reservation fee based on the POF. refundable Branch Support
and downpayment of reservation - Branch
at least 5% of selling fee -
price at cashier once P1,000.00
your number is
called.
Official Receipt
(PFOR).
6
135
notarization of
Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
copy of PFOR. NOTE: Photocopy/scan
PFOR is
necessary.
1 and 2).
5.2. Receive Certificate 5.2. Return PFOR and None 5 Minutes
of Acceptance/ issue Certificate of
Form (1 copy).
notification on
Deed of Conditional AAD-LMRD/
Sale (DCS). 6.1. Notify buyer on None 4 Hours LRRD-LMR/
availability of DCS LMD
for signing.
proceed to the
Information Officer
and get a queue
number.
7
136
the DCS.
signing of DCS.
DCS. and check AAD-LMRD/
NOTE: The notary notarization details. LRRD-LMR/
public shall LMD
retain DCS
(copy 4).
DCS (copies 2 and
3) to AAD-LMRD/
LRRD-LMR/LMD.
days from signing
of DCS, return to
Pag-IBIG Fund to
pay the balance on
selling price.
TOTAL PHP 6 Working
and 50 Minutes
137
Purchase of Acquired Assets under Direct Purchase (Through Short Term
Installment)
If the chosen mode of payment of the present occupant is Short Term Installment, a downpayment
of at least five percent (5%) of the selling price shall be paid upon reservation. The balance on the
selling price shall be paid in equal monthly installment and provided the chosen payment term shall
not exceed twelve (12) months subject to an interest based on the Full Risk-Based Pricing
Office or Division:
Who may avail: Properties Acquired (ROPA) Program.

138
subject property
10
139

and downpayment
(3 original copies)
for authentication.
representative
signed by the present occupant (1 original copy. (Sample Template)
1 photocopy)
11
140
subject property
12
141
fee and downpayment
original copies)
for authentication.
number.
Direct Purchase inform the client on the AAD-LMRD/
once your queue selling price. LRRD-LMR/
and requests to
comply on the
documentary
requirements.
LRRD-LMR/
LMD
documents that will
be prepared by the
Marketing
Specialist:
 Offer to
Purchase (OTP,
1 copy)
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 Reservation
Form (2 copies)
]
13
142
Pagtanggap (3
copies)
(2 copies)
 Payment Order
Form (POF, 2
copies) for
payment of the
following:
- Non-Refundable
Reservation Fee
– Php 1,000.00
 Downpayment
of the selling price
documents:
(OTP, 1 copy)
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap
(3 copies)
(2 copies)
documents:
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap
(3 copies)
 POF (2 copies)
Cashier and process
notarization of
Certificate of
Acceptance/
14
143
Katibayan sa
Pagtanggap.
4. Present POF and pay 4. Accept the payment Non- 30 Minutes* Cashier
reservation fee and based on the POF. refundable Branch Support
downpayment of at reservation - Branch
least 5% of selling fee -
price at Cashier once P1,000.00
your number is called.
Official Receipt
(PFOR).
4.2. Process notarization 30 Minutes
of Certificate of
Acceptance/
Katibayan sa
Pagtanggap.
present the original NOTE: Photocopy/scan LMD
copy of PFOR. PFOR is necessary.
5.1 Submit notarized 5.1. Check notarization None 10 Minutes
1 and 2).
5.2. Receive Certificate of 5.2 Return PFOR and None 5 Minutes
Acceptance/ issue Certificate of
Form (1 copy).
5.3 Advise to wait for None 5 Minutes
notification on
on availability of the following Days Officer III**
 Schedule of LMD
Installments (2
copies)
15
144
 Authority to Move-In
(ATMI, 2 copies)
availability of DCS
for signing.
proceed to the
Information Officer
and get a queue no.
no. to be called.
the DCS.
8.1 Sign DCS (4 8.1. Record date of None 15 Minutes
notarization of DCS. DCS (copies 2 and 3) Officer III**
and check AAD-LMRD/
NOTE: The notary
public shall retain
LMD
DCS (copy 4).
LRRD-LMR/ LMD.  Schedule of
Installments
(copy 1)
1) and Schedule of
Installments (copy 1).
9.3. Start paying monthly
installments.
TOTAL PHP 6 Working
1,000.00 Days and 4
Hours
16
145
Purchase of Acquired Assets under Direct Purchase (Through Long-Term
Installment) (Stage 1 - Reservation of Property)
If the chosen mode of payment of the present occupant is Long Term Installment, the present
occupant shall submit the required documentary requirements and incidental fees within thirty (30)
calendar days from date of reservation. (Refer to Citizens Charter on Purchase of Acquired Assets
under Direct Purchase/Public Auction/Negotiated Sale Stage 2 - Filing of Application for Long Term
Installment).
This service starts from submission of Offer to Purchase (OTP) up to approval of reservation.
Office or Division:

17
146
18
147
subject property
for authentication.
representative
1 photocopy)
19
148
subject property
for authentication.
1. Proceed to the 1. Provide queue number None 1.5 Hours* Information
Information Officer for the desired Officer
number.
Direct Purchase inform the client on the AAD-LMRD/
once your queue selling price. LRRD-LMR/
20
149
and requests to
comply on the
documentary
requirements.
LRRD-LMR/
LMD
documents that will
be prepared by the
Marketing
Specialist:
 Offer to
Purchase (OTP,
1 copy)
 Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies)
 Reservation
Form (2 copies)
Pagtanggap (3
copies)
(2 copies)
 Payment Order
Form (POF, 2
copies) for
payment of the
Non-Refundable
Reservation Fee –
Php 1,000.00
21
150
sign Certificate of
Acceptance/
Katibayan sa
Pagtanggap (3
copies) and
Reservation Form (2
copies).
Cashier.
fee at Cashier once reservation - Branch
your number is fee -
called. P1,000.00
Official Receipt
(PFOR).
5. Return to AAD-LMRD/ 5. Ensure that the None 30 Minutes* Marketing
LRRD-LMR/LMD and buyer’s name and Specialist**
once your number is amount paid are AAD-LMRD/
called, present the correct. LRRD-LMR/
original copy of PFOR. LMD
PFOR is necessary.
22
151
5.1. Receive the 5.1. Inform client on the None 10 Minutes
 Offer to submitted and
Purchase required incidental
(OTP, 1 copy) fees to be paid
 Reservation upon submission of
Form (1 copy) application for long
Certificate of term installment.
Acceptance/
(Refer to Citizens
Katibayan sa
Charter on Purchase of
Pagtanggap (3
copies)
Direct Purchase/Public
Auction/Negotiated
Term Installment)
reservation, return to documents:
Pag-IBIG Fund to
pay to submit  Offer to
complete Purchase (OTP,
documentary 1 copy)
requirements based  Reservation
on checklist and pay Form (1 copy)
the required  Certificate of
incidental fees. Acceptance/
Katibayan sa
(Refer to Citizens Pagtanggap (3
Charter on Purchase of copies)
Direct Purchase/Public 5.3 Advise to submit None 5 Minutes
Auction/Negotiated documentary
Sale Stage 2 - Filing of requirements based
Application for Long on checklist within 30
Term Installment) calendar days from
TOTAL PHP 4 Hours and 45
1,000.00 Minutes
23
152
3. Purchase of Acquired Assets under Public Auction (Through Cash)
may select property to bid from the List of Acquired Assets for Public Auction posted in Pag-IBIG
Fund website together with the Invitation to Bid (ITB). The bid offer must not fall below the minimum
bid amount for the property set by the Fund. The bid offer shall be accompanied with a bid bond
equivalent to five percent (5%) of the bid offer. Interested bidders who has the highest bid offer on
the property shall be declared as the winning bidder and will have an exclusive right to purchase
the property.
No discount is granted for buyer of properties under 1st public auction. On the other hand, a
discount is given to the buyer of the properties under 2 nd public auction depending on the chosen
mode of payment (Refer to the Invitation to Bid posted in Pag-IBIG Fund website,
www.pagibigfund.gov.ph).
If the chosen mode of payment of the winning bidder is Cash, the balance on the net offer price
shall be paid not later than thirty (30) calendar days from date of signing of Deed of Conditional
Sale (DCS). No interest shall be charged.
This service starts from registration of bidder up to availability of Deed of Conditional Sale (DCS)
for signature of the winning bidder.
Office or Division: Department (AAD-LMRD)/Loans Remediation/Recovery Division -

1
153
for authentication.
For OFW
2
154

for authentication.
3
155
organization’s representative/s (Sample Template)
original copies).
for authentication.
4
156
1. On scheduled date, 1. Facilitate registration of None 1.5 Hours* Member
proceed to the venue bidder/representative Technical
of public auction. and issue Registration Working Group
1.1. Register as bidder Stub. (TWG)
and get
Registration Stub.
envelope.
box.
to bidder.
bids. (TWG)
witness the opening open, review and Technical
of bid offers. read each bid offer Working Group
from the bid box. (TWG)
Committee on
have been read,
Disposition of
resolve issues or
ROPA
ties, if any.
the Cashier to claim Receipt (AR, 2 copies). With Step No. 7) Working Group
157
the 5% bid bond. 6.1. Return bid bond to None 10 Minutes (TWG)
bidder.
Cashier
6.2. Request bidder to None 5 Minutes
Branch Support
sign on AR.
- Branch
bidder.
attend post bidding bidders on (Simultaneous Technical
counseling. subsequent With Step No. 6) Working Group
procedures to (TWG)
undertake.
Cashier
7.1. Sign on Notice of 7.1 Generate the None 15 Minutes
Branch Support
Award and following documents:
- Branch
Certificate of  Notice of Award
(2 copies)
Acceptance/
 Certificate of
Pagtanggap. Katibayan sa
Pagtanggap (2
copies)
 Pag-IBIG Fund
Official Receipt
(PFOR) for the
bid bond c/o
Cashier
7.2. Get the following 7.2 Request bidder to None 10 Minutes
(PFOR) (copy 1)
bond. Katibayan sa
Pagtanggap (3
copies)
 PFOR
6
158
Pagtanggap.
notification on
of Conditional Sale
(DCS).
Deed of Conditional AAD-LMRD/
Sale (DCS). LRRD-LMR/
availability of DCS
LMD
for signing.
notification on number for the desired Officer
availability of DCS, transaction.
proceed to the
Information Officer
and get a queue
number.
the DCS.
10.1.Sign DCS (4 copies).10.1.Record date of None 15 Minutes
signing of DCS.
10.2. Get DCS (4 copies) 10.2.Issue DCS (4 copies) None 5 Minutes
7
159
NOTE: The notary and check AAD-LMRD/
public shall notarization details. LRRD-LMR/
retain DCS LMD
(copy 4).
11.1.Return notarized
DCS (copies 2 and
3) to AAD-LMRD/
LRRD-LMR/LMD.
11.2.Within 30 calendar
days from signing
of DCS, return to
Pag-IBIG Fund to
pay the balance on
net offer price.
Days, 6 Hours
and 35 Minutes
160
Purchase of Acquired Assets under Public Auction (Through Short Term
Installment)
If the chosen mode of payment of the winning bidder is Short Term Installment, the balance on the
net offer price shall be paid in equal monthly installment and provided the chosen payment term shall
not exceed twelve (12) months subject to an interest based on the Full Risk-Based Pricing Framework
for three-year fixing period.
This service starts from registration of bidder up to availability of Deed of Conditional Sale (DCS) for
signature of the winning bidder.

Office or Division: Department (AAD-LMRD)/Loans Remediation/Recovery Division -


161
for authentication.
signed by the bidder (1 original copy, 1 any Pag-IBIG Branch/Person being Represented
Photocopy)
For OFW
10
162
for authentication.
11
163
1 photocopy)
original copies).
for authentication.
1. On scheduled date, 1. Facilitate registration None 1.5 Hours* Member
proceed to the venue of bidder/ Technical
12
164
of public auction. representative and Working Group
issue Registration (TWG)
1.1. Register as bidder Stub.
and get
Registration Stub.
envelope.
box.
to bidder.
4. Wait for the scheduled 4. Accept sealed bid None 1 Hour* Member
time of opening of from other bidders Technical
sealed bids. until cut-off time. Working Group
(TWG)
bid box. (TWG)
Committee on
have been read,
Disposition of
resolve issues or
ROPA
ties, if any.
bidder. Cashier
13
165
Branch Support
- Branch
6.2. Request bidder to None 5 Minutes
sign on AR.
bidder.
attend post bidding bidders on subsequent (Simultaneous Technical
counseling. procedures to With Step No. 6) Working Group
undertake. (TWG)
Award and following Cashier
Certificate of documents: Branch Support
Acceptance/  Notice of Award - Branch
Pagtanggap.  Certificate of
Acceptance/
Katibayan sa
Pagtanggap (2
copies)
 Pag-IBIG Fund
Official Receipt
(PFOR) for the
bid bond c/o
Cashier
(PFOR) (copy 1)
bond. Katibayan sa
Pagtanggap (3
copies)
 PFOR
14
166
Pagtanggap.
notification on
of Conditional Sale
(DCS).
 Schedule of LMD
Installments (2
copies)
In (2 copies)

availability of DCS
for signing.
proceed to the
Information Officer
and get a queue
number.
the DCS.
15
167
10.1. Sign DCS (4 10.1. Record date of None 15 Minutes
10.2.Get DCS (4 copies) 10.2. Issue DCS (4 None 5 Minutes

for notarization copies) for
notarization.
DCS. and check AAD-LMRD/
NOTE: The notary LMD
public shall retain
DCS (copy 4).

LRRD-LMR/LMD.  Schedule of
Installments
(copy 1)
1) and Schedule of
Installments (copy
1).
11.3. Start paying
monthly
installments.
TOTAL None 6 Working Days,
6 Hours and 45
Minutes
16
168
Purchase of Acquired Assets under Public Auction (Through Long Term
Installment) (Winning the Public Auction)
If the chosen mode of payment of the winning bidder is Long Term Installment, the winning bidder
shall submit the required documentary requirements and incidental fees within thirty (30) calendar
days from date of reservation. (Refer to Citizens Charter on Purchase of Acquired Assets under Direct
Purchase/Public Auction/Negotiated Sale Stage 2 - Filing of Application for Long Term Installment).
This service starts from registration of bidder up to issuance of Notice of Award.

Office or Division:  Committee on Disposition of ROPA

17
169
for authentication.
18
170
For OFW
19
171
for authentication.
1. On scheduled date, 1. Facilitate registration None 1.5 Hour* Member
proceed to the of Technical
venue of public bidder/representative Working Group
auction. and issue Registration (TWG)
Stub.
1.1. Register as bidder
and get
Registration Stub.
envelope.
box.
to bidder.
20
172
bids. (TWG)
bid box. (TWG)
Committee on
have been read,
Disposition of
resolve issues or
ROPA
ties, if any.
Cashier
bidder.
Branch Support
6.2. Request bidder to None 5 Minutes - Branch
sign on AR.
bidder.
6.4. Safekeep AR (copy None 10 Minutes
2).
7. For winning bidder, 7. Inform winning bidder None 20 Minutes Member
attend post bidding on the documentary (Simultaneous Technical
counseling. requirements to be With Step No. 6) Working Group
submitted and (TWG)
required incidental
Cashier
fees to be paid upon
Branch Support
submission of
- Branch
application for long
term installment
(Refer to Citizens
Charter on Purchase
of Acquired Assets
under Direct
Purchase/Public
Auction/Negotiated
Term Installment)
21
173
Award and following
Certificate of documents:
 Notice of Award
Acceptance/
(2 copies)
Pagtanggap. Acceptance/
Katibayan sa
Pagtanggap (2
copies)
 Pag-IBIG Fund
Official Receipt
(PFOR) for the bid
bond c/o Cashier
Award and on
(copy 1)
Certificate of
 Certificate of Acceptance/
Acceptance/ Katibayan sa
Katibayan sa Pagtanggap and
copies) documents:
(copy 1)
Official Receipt
Certificate of
(PFOR) Acceptance/
representing Katibayan sa
payment of bid Pagtanggap (3
bond. copies)
 PFOR
7.3. Within 30 calendar 7.3. Advise to submit None 5 Minutes
days from date of documentary
public auction, requirements
return to Pag-IBIG based on checklist
Fund to pay to within 30 calendar
submit complete days from date of
documentary public auction.
requirements
based on checklist
and pay the
required incidental
fees.
(Refer to Citizens
Charter on Purchase
of Acquired Assets
22
174
under Direct
Purchase/Public
Auction/Negotiated
of Application for
Long Term
Installment)
TOTAL None 7 Hours and 50
Minutes
23
175
4. Purchase of Acquired Assets under Direct Purchase/Public Auction/ Negotiated
Sale (Through Long Term Installment) (Stage 2 - Filing of Application for Long-
Term Installment)
Long Term Installment is one of the mode of payment under Direct Purchase/Public
Auction/Negotiated Sale. This program grants opportunities to Pag-IBIG Fund members to purchase
a Pag-IBIG Fund Real and Other Properties Acquired (ROPA) thru Long-Term Installment payment
scheme in which the buyer of ROPA pays the approved amount of installment sale in more than twelve
(12) equal monthly installments up to maximum of thirty (30) years.
This service shall start from the receipt of application for long-term installment and required documents
up to availability of Notice of Approval of Sale and Deed of Conditional Sale (DCS) for signing.
Office or Division:  Acquired Assets Division – Loans Management and Recovery

Loans Management and Recovery (LRRD-LMR)/Loans Management
Division (LMD)
Center.
requirement:
- A non-member who wishes to apply for long-term installment may be
allowed to do so; provided, he remits the required 24 monthly savings
based on the mandatory rate in lump sum, inclusive of the EE and
ER counterparts. Said lump sum amount shall be considered a single
remittance for the applicable month as of the payment date.
more than seventy (70) years old at the end of payment term;
176
Upon application
1. Duly accomplished Buyer’s Information Sheet Pag-IBIG website (www.pagibigfund.gov.ph) or
with recent 1”x1” colored ID photo of Buyer (2 in any Pag-IBIG Branch
employer.

4. Proof of Income

application, with attached BIR Form No. 2316,
duly acknowledged by the BIR or authorized

177
mentioned above.

sketch-map of business location


credit investigator from Pag-IBIG Fund).


178

of the services (1 original copy).
Barangay Secretary,
Barangay Captain
Agriculture/Forestry/ DAR/DENR/DA/LGU/L
Fishery and Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
Social and Personal Owner/Person availing
Service Activities of the service, duly
Captain or Barangay
Secretary, provided
with written
Barangay Captain

months).
179

the following:

and employer (1 photocopy); Host Country or MSO at Pag-IBIG Overseas
Post

Post





photocopy) (OWWA)
Visa) (1 photocopy)
180
photocopy)


each, back-to-back) with 3 specimen signatures
of Buyer and Co-Buyers. Any of the following:
- OWWA ID Overseas Workers Welfare Administration
(OWWA)
(POEA)
over P2.0M to P6.0M
181
Questionnaire) (1 original copy) and Copy Medical Hospital
photocopy)
7. Notarized Certificate of Acceptance/Katibayan Pag-IBIG Website (www.pagibigfund.gov.ph)

sa Pagtanggap (HQP-AAF-145, 3 copies) or in any Pag-IBIG Branch

of processing fee and 1-year advance
insurance premium
9. If with outstanding Housing Account with Pag- Pag-IBIG Branch

IBIG Fund
multiple housing in Pag-IBIG Fund.

net selling price of the property.

Buyer.

deduction).
for authentication.
182
Upon application
1. Duly accomplished Buyer’s Information Sheet Pag-IBIG Website (www.pagibigfund.gov.ph)
with recent 1”x1” colored ID photo of Buyer (2 or in any Pag-IBIG Branch
employer.


4. Proof of Income of person being represented

photocopy).
copy).
183
original copy of one (1) Month
mentioned above.

a. ITR (1 certified true copy) (BIR Form No. 1701) Bureau of Internal Revenue (BIR)/ Department
duly certified by BIR, Audited Financial of Trade and Industry (DTI)/ Municipal’s Office/
Statements (1 photocopy), and Official Receipt City Hall
of tax payment from bank supported with DTI
Permit (1 photocopy) and sketch-map of
business location

184
issued by owner of business/person availing Certify
of the services (1 original copy) Micro-entrepreneurs Barangay Captain or
Barangay Secretary,
authorization from
the Barangay
Captain
Agriculture/Forestry/ DAR/DENR/DA/LGU/
Fishery Land Owner/
Barangay Captain or
Barangay Secretary,
authorization from
the Barangay
Captain

Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Community, Social Business
and Personal Service Owner/Person
Activities availing of the
by Barangay Captain
or Barangay
Secretary, provided
with written
authorization from
Barangay Captain
10
185
g. ITR Form No. 1701 (1 photocopy) for fees on BIR
professional services, commissions or
the following:
and employer (1 photocopy) Host Country/MSO at Pag-IBIG Overseas Post
The applicant should submit any of the following
documents to support/supplement the income
documents mentioned above:
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)
11
186
executed by buyer (1 original copy, 1 photocopy) in any Pag-IBIG Branch/Person being
Represented
For OFW
 SPA notarized prior to date of departure with Person being Represented
photocopy). Supported by E-ticket.
copy, 1 photocopy)
 For Non-Apostille Countries - SPA duly Philippine Embassy of Host Country/
authenticated by a Philippine Consular Government
notary (of the country where the buyer is
 For Apostille Countries - Apostille SPA Philippine Embassy of Host Country/
Government
each, back-to-back) of Buyer and Co-Buyer and
(POEA)
12
187
a. Health Statement Form (Medical Pag-IBIG Branch/Servicing Department
over P2.0M to P6.0M
Questionnaire) and Copy of the result of Medical Hospital
8. Notarized Certificate of Acceptance/Katibayan Pag-IBIG Website (www.pagibigfund.gov.ph) or
sa Pagtanggap (HQP-AAF-145, 3 copies) in any Pag-IBIG Branch
of processing fee and 1-year advance insurance
premium
10. If with outstanding Account with Pag-IBIG Pag-IBIG Branch
Fund
notice signifying their consent and awareness
to the policies on availment of multiple
housing in Pag-IBIG Fund.
selling price/net offer price of the property.
Buyer
deduction)
for authentication.
13
188
Information Officer number for desired Officer
number and wait for
the number to be
called.

documents once documents and Specialist**
your number is check for AAD-LMRD/
called. completeness. LRRD-LMR/
LMD
2.1 Present the original 2.1 Verify the following: None 20 Minutes
copies of the - Membership
documents for Status
- Housing loan
authentication.
Status
will be issued. Payment Order Form
(POF, HQP-AAF-006
2 copies) for the
payment of the
following:
- Processing fee
- Advance One (1)
Year Sale
Redemption
Insurance Premium
- Non-Life Insurance
Premium and
- Down payment, if
applicable.
NOTE: Separate
POF shall be
generated per fees
stated above.
2.3Advise buyer to pay None 5 Minutes

Cashier.
14
189
3. Present POF (2 3. Accept the payment Processing 30 Minutes* Cashier
copies) and pay the based on the POF. Fee – PHP Branch Support -
required fees at 2,000 Branch
Cashier once your
number is called.
3.1 Get the PFOR (copy 3.1 Generate and issue 15 Minutes
1) and POF (copy 1) Pag-IBIG Fund
that will be issued Official Receipt
upon payment. (PFOR).
4. Photocopy the 4. Receive the PFOR None 30 Minutes* Marketing
AAD-LMRD/ LRRD- AAD-LMRD/
LMR/LMD 4.1 Ensure that the None 10 Minutes LRRD-LMR/
PFOR number is LMD
4.1Submit the PFOR already reflected in
(photocopy) once the system and
your number is amount paid is
called. correct.
4.2 Generate and issue None 15 Minutes
4.2Present the original
Acknowledgement
copy of the PFOR
Receipt (AR, HQP-
for authentication.
AAF-122).
4.3 Get the AR that will 4.3 Advise to wait for None 5 Minutes
be issued to notification on
acknowledge the availability of NOAS
receipt of the and DCS.
documents.
4.4 Set-up application None 1 Working Day Data Encoder
record of buyer. III**
AAD-LMRD/
LRRD-LMR/LMD
4.5 Retrieve vital None Records Officer**
documents of the AAD-LMRD/
property. LRRD-LMR/LMD
4.6 Conduct Credit and None Credit

9 Working Investigator III**
Background
Days Loans
Investigation and
process signing of Origination
Credit Investigation or
Acquired Assets
Report (CIR).
Officer III**
AAD-LMRD/
LRRD-LMR/LMD
15
190
NOTE: The retrieval of
vital documents
and conduct of
Credit and
Background
Investigation
shall be done
simultaneously.
4.7 Evaluate application None 7 Working Acquired Assets

and generate the Days Officer III**
following documents: AAD-LMRD/
- Evaluation Sheet LRRD-LMR/
- Notice of Approval LMD
of Sale (NOAS, 2
copies)
- Deed of
Conditional Sale
(DCS, 4 copies)
- Authority to Move-
In (ATMI, 2 copies)
4.8Review and approve None 2 Working Approving
application for long Days Authority
term installment.
4.9Inform the buyer on None 30 Minutes Acquired Assets
the approval/ Officer III**
disapproval of AAD-LMRD/
application for long LRRD-LMR/
term installment. LMD
NOTE:
For disapproved
application, a Notice of
Disapproval of Sale
(NODS) shall be
issued to the buyer.
NOTE: The waiting time for the buyer to claim the NOAS and DCS after notification is excluded in the
processing time. The processing shall resume upon appearance of the buyer to sign the DCS.
16
191
5. Upon receipt of 5. Provide queue None 1.5 Hour* Information
approval of desired transaction.
application, return to
Pag-IBIG Fund
Office and get a
queue number. Wait
called.
6. Once your number is 6. Explain to buyer the None 30 Minutes Marketing
called, proceed at content of NOAS and Specialist**
the designated DCS. AAD-LMRD/
6.1 Advice the buyer None 10 Minutes LMD
counter and get the
and co-buyer to sign
following
documents:
of the NOAS.
- Notice of Approval
of Sale (NOAS, 2 6.2 Issue NOAS (copy 1). None 10 Minutes
copies)
- Deed of NOTE:
Conditional Sale For buyer with
(DCS, 4 copies) equity:
- ATMI (2 copies)  Issue POF (2
copies) and pay
the required
equity at Cashier.
 Advise buyer to
return once
payment has
been made for
signing of DCS.
7. Sign DCS (4 copies). 7. Facilitate signing of None 15 Minutes Marketing

DCS. Specialist**
AAD-LMRD/
LRRD-LMR/
LMD
17
192
7.1 Get DCS (4 copies) 7.1 Record date of None 5 Minutes
for notarization. signing of DCS.
7.2 Process notarization 7.2 Issue DCS (4 copies) None 10 Minutes

of DCS. for notarization.
NOTE: The notary

public shall retain
DCS (copy 4).
7.3 Return notarized 7.3 Receive notarized None 10 Minutes

DCS (copies 2 and DCS (copies 2 and
3) to AAD-LMRD/ 3) and check
LRRD-LMR/LMD. notarization details.
7.4 Get the following 7.4 Generate Notice of None 10 Minutes

documents: Installment (NOI)
- DCS (copy 1) and issue the
- ATMI (copy 1) following documents
- NOI (copy 1) to buyer:
- Photocopy of title - DCS (copy 1)
- ATMI (copy 1)
- NOI (copy 1)
- Photocopy of title
7.5 Start paying the

monthly installment.
PHP 20 Working
TOTAL:
2,000.00 Days
18
193
LOANS MANAGEMENT
(NCR)
EXTERNAL SERVICES
194
1. Final Release of Interim Non-Life Insurance Claims Proceeds (For Accounts with
more than P50,000 Claim Proceeds)
This program shall be done in case the Non-Life Insurance claim proceeds of the borrower is more than
PHP50,000.
This service start from receipt of Memo Report from Property Valuation Department (PVD) up to release
of insurance claim proceeds to the borrower/claimant.
 Servicing Department
Office or Division:  Loans Evaluation Department I & II (LED I & II)
Who may avail: Borrowers with more than P50, 000 non-life insurance claim proceeds
For Borrower/Co-borrower
1. Two (2) Valid IDs with signature (1 photocopy, back-

to-back) of the borrower/co-borrower. Any of the
following:
- Driver’s License Land Transportation Office (LTO/Host country)
- National Bureau of Investigation (NBI) National Bureau of Investigation (NBI)
Clearance
- Government Service Insurance System (GSIS) Government Service Insurance System (GSIS)
e-Card
- Social Security System Card Social Security System (SSS)
- Senior Citizen Card Local Government Unit (LGU)/Office of Senior
Citizen Affairs (OSCA)
- Overseas Workers Welfare Administration Overseas Workers Welfare Administration
(OWWA) ID (OWWA)
(POEA)
- Seaman’s Book or Seafarer’s Identification and Maritime Industry Authority (MARINA)
Record Book (SIRB)
195
- National Council for the Welfare of Disabled National Council on Disability Affairs (NCDA)/
Persons (NCWPD) Certification Department of Social Welfare and Development
(DSWD)
- Department of Social Welfare and Development DSWD
(DSWD) Certification
- Government Office and Government-Owned Government Office/Government-Owned and
and Controlled Corporation (GOCC) ID (e.g. Controlled Corporation (GOCC)
AFP ID, Pag-IBIG Loyalty Card)
for authentication.
For Representative
1. Notarized Special Power of Attorney (SPA) of the Pag-IBIG website (www.pagibigfund.gov.ph) or in

borrower/co-borrower (1 original copy) any Pag-IBIG Branch/Person being Represented
For OFW Borrower/Co-Borrower

 For SPA executed and notarized in the Person being represented
passport/seaman’s book reflecting the entry date
and/or exit date to/from the Philippines (1 original
copy)
 For documents executed abroad (1 original copy)
 For Non-Apostille Countries
- SPA notarized by a Philippine Consular Philippine Embassy of Host Country/Government
(of country where the member is working)
but duly authenticated by the Philippine
Consular Officer.
 For Apostille Countries
- Apostille SPA Philippine Embassy of Host Country/Government
2. Two (2) Valid IDs with signature of the representative

and borrower/co-borrower (1 photocopy, back-to-
back). Any of the following:
Clearance
196
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

1. Receive Memo None 15 Minutes Mortgage Loan
Report from Specialist**
Property Valuation Servicing
Department (PVD). Department
1.1 Prepare and None 1 Working Day

endorse Memo to
Release the
Proceeds to LAD.
1.2 Determine the None 3 Working Mortgage Loan

amount to be Days, 4 Hours Specialist**
released and and 45 Minutes LED I & II
process Request for and
Payment (RFP)
Approving
Authority
197
1.3 Process None 1 Working Day Cashier I
Disbursement and 4 Hours LSSD
Voucher
(DV)/Check and
representing the
Approving
amount to be Authority
refunded or burial
benefit.
1.4 Inform borrower/ None 1 Hour Check Release

claimant on Controller
availability of LSSD
Check.
1. Proceed to the 1.5 Provide queue None 1 Hour* Information

Information Officer and number for the Officer
get a queue number desire transaction.
and wait for the
2. Return to LSSD, 2. Receive the required None 15 Minutes Check Release

submit the required documents and Controller
documents once your check for LSSD
number is called. completeness.
2.1 Signs the “Received 2.1 Validate the identity None 15 Minutes
by” portion of Check of claimant against
Register and get the valid ID and SPA (if
Check that will be applicable).
issued.
2.2 Request claimant to None 15 Minutes
sign Disbursement
Voucher (DV) and on
the “Received by”
portion of Check
Register.
2.3 Release Check to None 15 Minutes

claimant.
6 Working
TOTAL: None Days and 4
Hours
198
2. Final Release of Non-Life Insurance Claims Proceeds (For Accounts with more than
P50,000 Claim Proceeds)
PHP50,000.
This service start from receipt of Memo Report from Property Valuation Department (PVD) up to release of
insurance claim proceeds to the borrower/claimant.
 Accounts Management and Billing Department (AMBD)

Office or Division:  Loans Accounting Department (LAD)

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
199
(DSWD)
for authentication.
For Representative


copy)
Consular Officer.

Clearance
200
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

1. Receive Memo None 15 Minutes Accounts
Report from Management
Property Valuation Analyst Ii**
Department (PVD). Ambd

endorse Memo to
Release the
Proceeds to LAD.
1.2 Determine the None 3 Working Data Controller

amount to be Days, 4 Hours Iv**/ Accountant
released and and 45 Minutes Iv/Division Chief
process Request for Iii
Payment (RFP) Lad
And
Assistant
201
Department
Manager
LAD

Disbursement and 4 Hours Lssd
Voucher
(DV)/Check And
representing the
Approving
refunded or burial
benefit.

availability of Lssd
Check.

and wait for the

submit the required documents and Controller
documents once your check for Lssd
issued.
sign Disbursement
Voucher (DV) and on
portion of Check
Register.
claimant.
6 Working
Hours
** The said functions may also be assigned to other personnel 4 (i.e. Agency-Hired Contractual, Job Orders etc.)
202
3. Receive and Approve Change in Fixed Pricing Period Application
The program on the Change in Fixed Pricing Period allows the housing loan borrowers to request for a
change in re-pricing period under Full Risk-Based Pricing Period Program depending on the chosen fixed
pricing period whether it is after every three (3), five (5), ten (10), fifteen (15), twenty (20) or twenty-five (25)
years. The borrower may also request for subsequent change in re-pricing period but not more than once
every three (3) years provided she/he has updated housing loan account and real estate property tax as of
the time of application.
This service shall start from submission of complete documentary requirements up to availability of Notice
of Approval (NOA) and new Promissory Note (PN).

Office or Division:  Any Pag-IBIG Branch. However, the application shall be forwarded to
Center.
Any Pag-IBIG borrower who satisfies the following terms and condition:
 The housing loan account is updated as of the time of application
Who may avail:  Has remitted at least twelve (12) monthly amortizations under the
existing re-pricing period
 The real estate property tax is updated
REQUIREMENTS UPON APPLICATION
For Borrower/Co-Borrower
1. Duly Accomplished Application for Conversion to Pag-IBIG Fund website (www.pagibigfund.gov.ph)
Full Risk-Based Pricing Model (HQP-HLF-182) (1 or in any Pag-IBIG Fund Branch
original copy)
2. Updated Real Estate Tax Receipt (For Land and Assessor’s Office/Municipal’s Office/Local
Building) (1 photocopy). Government Unit (LGU)
3. For changed of marital status:

a. Single to married
 Marriage Contract with Registry Number (1 Philippine Statistics Authority (PSA)
photocopy)
b. Married to single
 Court Order (1 photocopy) Court
 Marriage Contract with Supplemental Report PSA
of dissolution of marriage (1 photocopy)
203
c. Widowed
 Death Certificate of deceased spouse (1 PSA
photocopy)
4. For accommodation mortgage, notarized Special Pag-IBIG Fund Branch/AMBD

Power of Attorney (SPA) (1 original copy).
5. One (1) valid ID with signature (1 photocopy, back-

to-back) of borrower and spouse, co-borrower and
spouse and owner of title (for accommodation
mortgage) (if applicable). Any of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
- Department of Social Welfare and DSWD
Development (DSWD) Certification
for authentication.
204
For Representative

original copy)

photocopy)
c. Widowed
 Death Certificate of deceased spouse (1
photocopy)

5. Notarized SPA of the borrower and spouse and co- Pag-IBIG Fund website (www.pagibigfund.gov.ph)
borrower and spouse (1 original copy) or in any Pag-IBIG Fund Branch/Person being
Represented
For OFW Borrower/Co-Borrowers
passport/seaman’s book reflecting the entry
date and/or exit date to/from the Philippines (1
original copy)
copy)
 For Non-Apostille Countries Philippine Embassy of Host Country/Government
- SPA duly authenticated by a Philippine
Consular Officer, or SPA notarized by a
local notary (of country where the
member is working) but duly
Officer.
 For Apostille Countries Philippine Embassy of Host Country/Government
- Apostille SPA
205
6. Two (2) valid IDs with signature (1 photocopy,
back-to-back) of the representative, borrower and
spouse, co-borrower and spouse and owner of title
(for accommodation mortgage) (if applicable). Any
of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.
REQUIREMENTS UPON APPROVAL
1. Notarized Promissory Note (PN) (HQP-HLF-181) Pag-IBIG Fund Branch/AMBD

(3 original copies)
206
2. Authority to Deduct (HQP-HLF-124) (1 original Pag-IBIG Fund website (www.pagibigfund.gov.ph)
copy), for employers with existing CSA and in case or in any Pag-IBIG Fund Branch
the payment is thru salary deducation.
3. Replacement of 12 Post-Dated Checks , if mode of Borrower

payment is thru PDC.

1. Proceed to the 1. Provide queue None 1 Hour* Information Officer
Information Officer and number for desired
get a queue number transaction.
and wait for the
2. Submit the required 2. Receive the None 15 Minutes Accounts

documents once your required documents Management
number is called. and check for Analyst II**
completeness. AMBD
2.1 Present the original
copy of the 2.1 Verify if the None 30 Minutes
documents for borrower is eligible
authentication. to avail the program.
2.2 Get the POF that will NOTE: If not eligible,

be issued. indicate in the
application form
the reason of
disapproval and
return to the
borrower.
2.2 Access the system None 30 Minutes

and encode REPT
receipt details and
update changes in
borrower’s data, if
any.
2.3 Update the status of None 15 Minutes

application in the
system.
207
2.4 Access the system None 30 Minutes Division Chief III
and approve the AMBD
application.
2.5 Generate and issue None 30 Minutes Accounts

Payment Order Management
Form (POF) to Analyst II**
borrower for AMBD
payment of service
fee.
2.6 Advise the borrower None 15 Minutes

to pay the service
fee at LSSD and
present the original
copy of PFOR to
AMBD.
3. Present POF and pay 3. Accept the payment Service Fee 30 Minutes Cashier
service fee at LSSD based on the POF. - PHP 1,000 LSSD
once your number is
called. 3.1 Generate and issue None 30 Minutes
Pag-IBIG Fund
3.1 Get the PFOR that will Official Receipt
be issued upon (PFOR) to borrower.
payment.
4. Present the original 4. Ensure that the None 10 Minutes Accounts

copy of the PFOR borrower’s name Management
once your number is and amount paid is Analyst II**
called. correct. AMBD
4.1 Get the AR that will be 4.1 Access system and None 30 Minutes
issued to acknowledge encodes PFOR
the receipt of the details.
documents. 4.2 Accomplish and None 15 Minutes
issue
Acknowledgement
Receipt (AR) to
borrower.
4.3 Evaluate the None 4 Working Accounts

application and Days Management
generate Notice of Specialist**
Approval for Change AMBD
of Fixed Pricing
208
Period (NOA, HQP-
HLF-185) and
Promissory Note
(PN, HQP-HLF-
181).
4.4 Approve the None 1 Working Day Approving Authority

application. AMBD
4.5 Inform borrower on None 1 Hour Accounts

the availability of Management
NOA and PN. Specialist**
AMBD

and wait for the
6. Return to AMBD and 6. Perform the

get the following following:
documents once your
number is called: 6.1 Explain the None 10 Minutes Accounts
- NOA (1 copy) corresponding Management
- PN (3 copies) documentary Analyst II**
requirements and AMBD
- Authority to Deduct,
if applicable procedures to be
undertaken.
NOTES:
6.2 Explain in detail the None 10 Minutes
a. The borrower and contents of the
spouse, co-borrower documents.
and spouse and
accommodation 6.3 Advise to sign and None 10 Minutes
mortgagor and spouse process the
must sign the PN. notarization of the
PN.
b. The borrower must
comply with all the 6.4 Issue the following None 10 Minutes
requirements indicated documents:
in the NOA. - NOA (1 copy)
- PN (3 copies)
- Authority to
Deduct, if
applicable
209
and wait for the number
to be called

completeness. AMBD
8.1 Get PN (1 copy).
8.1 Issue PN (1 copy). None 15 Minutes
NOTE: If mode of payment
is through Post-
Dated Checks
(PDCs), submit
PDCs to LSSD.
Proceed to
Citizen’s Charter
on Issuance of
Replacement of
Post-Dated
Checks (PDCs) by
the Borrower.
6 Working
PHP 1,000 Days, 1 Hour
TOTAL:
and 50
Minutes
210
4. Receive and Approve Conversion to Full Risk-Based Pricing Application
The program on the Conversion to Full Risk-Based Pricing model allows the housing loan borrowers to align
their interest rate policies in accordance with the Fund’s Full Risk-Based Pricing Framework. Interest rates
shall be re-priced periodically depending on the chosen fixed pricing period whether it is after every three
(3), five (5), ten (10), fifteen (15), twenty (20) or twenty-five (25) years.

Center.
Any Pag-IBIG borrower whose accounts were taken out under Circular
No. 247 or were restructured under Circular 300 or earlier Circulars as of
date of application provided:
Who may avail:  The borrower’s housing loan account is updated. Borrowers whose
accounts are in arrears shall be required to fully update their accounts.
 The borrower must be an active Pag-IBIG member.
 Updated real estate tax payment.

original copy)
Building) (1 photocopy) Government Unit (LGU)

photocopy)
211
c. Widowed
photocopy)


- Driver’s License Land Transportation Office (LTO/Host Country)
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
- National Council for the Welfare of Disabled National Council on Disability Affairs
Persons (NCWPD) Certification (NCDA)/Department of Social Welfare and
Development (DSWD)
212
For Representative

original copy)
photocopy)
c. Widowed
photocopy)

5. Notarized SPA of the borrower and spouse and Pag-IBIG Fund website (www.pagibigfund.gov.ph)
co-borrower and spouse (1 original copy) or in any Pag-IBIG Fund Branch/Person being
Represented
original copy)
copy)
Officer
- Apostille SPA
213
of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

(3 original copies)
214
copy) for employers with existing CSA and in case or in any Pag-IBIG Fund Branch
the payment is thru salary deduction.
3. Replacement of 12 Post-Dated Checks, if mode of Borrower

and wait for the

completeness. AMBD
copy of the documents 2.1 Verify if the None 30 Minutes
for authentication. borrower is eligible
to avail the
2.2 Get the POF that will program.
be issued.
NOTE: If not eligible,
indicate in the
application form
the reason of
disapproval and
return to the
borrower.

and encode REPT
receipt details and
update changes in
any.
2.3 Update the None 15 Minutes

details/status of
application in the
system.
215
application.

borrower for AMBD
payment of service
fee.

to pay the service
fee at LSSD and
copy of PFOR to
AMBD.
service fee at LSSD based on the POF. - PHP 1,000 LSSD
once your number is
called. 3.1 Generate and issue None 30 Minutes
Pag-IBIG Fund
payment.

4.1 Get the AR that will be 4.1 Access system and None 30 Minutes
the receipt of details.
documents.
4.2 Accomplish and None 15 Minutes
issue
Acknowledgement
Receipt (AR) to
borrower.
216
Approval For AMBD
Conversion to Full
Risk-Based Pricing
Model (HQP-HLF-
184) and
Promissory Note
(PN, HQP-HLF-
181).

application. AMBD

AMBD

Information Officer number for desired
number and wait for
the number to be
called.

get the following following:
documents once your
- NOA (1 copy) corresponding Management
- PN (3 copies) documentary Analyst II**
- Authority to Deduct,
if applicable procedures to be
undertaken.
NOTES:
6.2 Explain in detail the None 10 Minutes
a. The borrower and contents of the
spouse, co-borrower documents.
and spouse and
accommodation 6.3 Advise to sign and None 10 Minutes
mortgagor and spouse process the
must sign the PN. notarization of the
PN.
217
b. The borrower must 6.4 Issue the following None 10 Minutes
comply with all the documents:
requirements indicated - NOA (1 copy)
in the NOA. - PN (3 copies)
- Authority to
Deduct, if
applicable

get queue number and transaction.
be called.

completeness. AMBD
8.1 Get PN (1 copy).
8.1 Issue PN (1 copy). None 15 Minutes
NOTE: If mode of payment
is through Post-
Dated Checks
(PDCs), submit
PDCs to LSSD.
Proceed to
Citizen’s Charter
on Issuance of
Replacement of
Post-Dated
Checks (PDCs) by
the Borrower.
6 Working
TOTAL: PHP 1,000 Days, 1 Hour
and 50 Minutes
218
5. Receive and Approve Interim Mortgage/Sales Redemption Insurance (MRI/SRI) Claims
Application
The program on Mortgage/Sales Redemption Insurance Claims allows the housing loan borrowers, his/her
heir/s or beneficiary/ies to claim the insurance benefit upon occurrence of death, permanent total disability
(PTD) or during Terminal Illness. The proceeds shall be determined upon date of diagnosis of such illness
by an acceptable licensed physician, date the injury or sickness was sustained based on the attending
physician’s Statement of Disability (Date of PTD) or as of date of death based on the Death Certificate. The
MRI/SRI may be for interim coverage or regular coverage depending on the stage of the processing of the
borrower’s housing loan.
This service shall start from submission of complete documentary requirements up to approval of Insurance
Provider.
 Loans Evaluation Department I & II (LED I & II)
Office or Division:  Accounts Management and Billing Department (AMBD)
 Any Pag-IBIG Branch. However, the application shall be forwarded to and
processed by the concerned NCR/Regional Housing Business Center.
1. Death
a. Upon the death of the housing loan borrower, his heir/s or
beneficiary/ies may file the MRI/SRI claims.
b. Death due to suicide shall not be a cause to exclude borrowers from
filing the MRI/SRI claims.
c. The heirs/beneficiaries of the deceased borrowers shall be allowed to
file MRI/SRI claim, provided the deceased borrower is at least
eighteen (18) years old and has not attained his 70th birthday at the
time of death.
2. Permanent Total Disability (Date of Disability: November 1, 2014-
October 31, 2019)
a. The borrower becomes totally disabled for a continuous period of at
Who may avail:
least six (6) months.
b. The borrower was prevented from engaging in any occupation for
compensation or profit.
c. The borrower has been declared by the attending physicians to be
disabled for life due to bodily injury or disease on or after November
14, 2014.
d. Borrowers who are at least eighteen (18) years old and but have not
attained their 65th birthday.
3. Terminal Illness (Date of Illness: November 1, 2014-October 31,
2019)
a. The borrower has been diagnosed with Terminal Illness, said illness
is expected to result in the insured’s death within twelve (12) months
219
from the date of the diagnosis of such illness by an acceptable
licensed physician. Said date when such illness or injury was
diagnosed must be on or after November 1, 2014.
b. Borrowers who are at least eighteen (18) years old but have not
REQUIREMENTS FOR DEATH INSURANCE CLAIM
FOR HEIR/S OR BENEFICIARY/IES
If Borrower is Married and with Child/Children
1. Duly Accomplished Application for MRI/SRI Claims Pag-IBIG Fund website (www.pagibigfund.gov.ph)
(1 original copy) or in any Pag-IBIG Fund Branch
2. Borrower’s PSA Death Certificate (1 original copy) Philippine Statistics Authority (PSA)
3. Borrower’s PSA Birth Certificate or Baptismal (1 PSA/Church

photocopy)
4. PSA Marriage Contract and Advisory of Marriage PSA

of borrower (1 photocopy)
5. Police Report (if death is due to accident/suicide) Local Police Station where the accident/suicide
(1 photocopy) happened.
6. Notarized Proof of Surviving Legal Heirs (HQP- Pag-IBIG Fund website (www.pagibigfund.gov.ph)
PFF-030) (1 original copy) or in any Pag-IBIG Fund Branch
7. Notarized Affidavit of Guardianship (if with Pag-IBIG Fund website (www.pagibigfund.gov.ph)

child/children below 18 years old, or if or in any Pag-IBIG Fund Branch
child/children is/are physically/mentally
incompetent) (HQP-PFF-028) (1 original copy)
8. Medical Certificate (if child/children is of legal age Hospital

but physically/mentally incompetent)
9. PSA Birth Certificate or Baptismal of all children (1 PSA/Church

photocopy)
10. PSA Marriage Contract of all Female Legal Age PSA

Children, if applicable (1 photocopy)
NOTE: For married female child of the deceased

borrower in fact changed her surname to
that of her husband after contracting
marriage.
2
220
11. PSA Death Certificate of Borrower’s Spouse or PSA
Child/Children, if applicable (1 photocopy)
12. Two (2) Valid IDs with signature (1 photocopy,

back-to-back) of heir/s or beneficiary/ies. Any of
the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
ADDITIONAL REQUIREMENTS FOR

CONTESTABLE CLAIMS (Died within the period of 1
year from Take-out date/NOA/NOCA date)
1. Complete Medical Records (1 photocopy each) Hospital
221
2. Certificate of Attending Physicians (1 photocopy) Pag-IBIG Fund website (www.pagibigfund.gov.ph)
or in any Pag-IBIG Fund Branch
3. Certificate of Employment or Daily Time Record Employer of deceased borrower

showing the last date the insured was able to
report for work (1 photocopy)
ADDITIONAL REQUIREMENT FOR MULTIPLE

HEIR/BENEFICIARY
1. Notarized Special Power of Attorney (SPA) (1 Pag-IBIG Fund website (www.pagibigfund.gov.ph)
original copy) of Heir/s or Beneficiary/ies or in any Pag-IBIG Fund Branch/Person/s being
Represented
For OFW Heir/Beneficiary

 For SPA executed and notarized in the Person/s being represented
original copy)
copy)
Officer
- Apostille SPA
NOTES:
 Local/Municipal Civil Registrar Certified True Copy (with stamped that it was already endorsed to
PSA) may be submitted only if certified and originally signed by any of its authorized officers.
 Submit Notarized Joint Affidavit of 2 Disinterested Persons on any of the following:
a. There is discrepancy on the borrower’s/beneficiary/ies data.
b. There is no record from PSA/Local Civil Registrar
 In all instances wherein photocopies are submitted, the original document must be presented for
authentication.
222
For Representative of Heir/s or Beneficiary/ies

photocopy)




photocopy)


marriage.
12. Medical Certificate that the claimant is Hospital
incapacitated, if applicable
223
original copy) of Heir/s or Beneficiary/ies. or in any Pag-IBIG Fund Branch/Person/s being
Represented

original copy)
copy)
Officer
- Apostille SPA

back-to-back) of representative and heir/s or
beneficiary/ies. Any of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
224
Record Book (SIRB)
(DSWD)



NOTES:
authentication.
For Heir/s or Beneficiary/ies
If Borrower is Married without Child/Children but

1. Duly Accomplished Application for MRI/SRI Pag-IBIG Fund website (www.pagibigfund.gov.ph)

Claims (1 original copy) or in any Pag-IBIG Fund Branch
225
photocopy)

5. PSA Marriage Contract of Parents (1 photocopy) PSA
6. PSA Birth Certificate of Surviving Parent/s and/or PSA

PSA Death Certificate of deceased Parent/s and/or
Child/Children (whichever is applicable) (1
photocopy)

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
226
(DSWD)



HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
- Apostille SPA
227
NOTES:
authentication.


photocopy)

6. PSA Birth Certificate of Surviving Parents and/or PSA

PSA Death Certificate of Deceased Parent/s
and/or Child/Children (whichever is applicable) (1
photocopy)

original copy) of Heir/s or Beneficiary/ies. or in any Pag-IBIG Branch/Person/s being
Represented
10
228
original copy)
copy)
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
11
229


NOTES:
authentication.
If Borrower is Married without Child/Children and

Surviving Parent/s

photocopy)

12
230
6. PSA Death Certificate of deceased Parent/s and PSA
child/children (1 photocopy)

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
13
231



HEIR/BENEFICIARY

Represented
original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
14
232

Surviving Parent/s

photocopy)

6. PSA Death Certificate of Deceased Parent/s and PSA

Child/Children (1 photocopy)

Represented

original copy)
copy)
15
233
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
16
234


NOTES:
authentication.
If Borrower is single with Child/Children

photocopy)
4. Borrower’s PSA Certificate of No Marriage PSA

(CENOMAR) (1 photocopy)
17
235
incompetent) (HQP-PFF-028, 1 original copy)

but physically/mentally incompetent or claimant is
incapacitated)

photocopy)
10. PSA Death Certificate of deceased Child/Children, PSA

if applicable (1 photocopy)


marriage.
12.Two (2) Valid IDs with signature (1 photocopy,
the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
18
236
(DSWD)
2. Certificate of Attending Physicians (1 photocopy) Pag-IBIG website (www.pagibigfund.gov.ph) or in
any Pag-IBIG Branch

HEIR/BENEFICIARY
Represented
original copy)
copy)
Officer
- Apostille SPA
19
237
NOTES:
authentication.


photocopy)



incapacitated)

photocopy)


20
238
marriage.
Represented

original copy)
copy)
Officer
- Apostille SPA

back-to-back) of the representative and heir/s or
Clearance
e-Card
21
239
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)

any Pag-IBIG Branch

NOTES:
a. There is discrepancy on the borrower’s/beneficiary/ies data
authentication.
22
240
If Borrower is single without Child/Children but

with Surviving Parents

photocopy)


PSA Death Certificate of deceased Parent
(whichever is applicable) (1 photocopy)

the following:
Clearance
e-Card
23
241
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)



HEIR/BENEFICIARY
Represented

original copy)
copy)
24
242
Officer
- Apostille SPA
NOTES:
authentication.


photocopy)



25
243
original copy) or in any Pag-IBIG Fund Branch/Person/s being
Represented

original copy)
copy)
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
26
244
(POEA)
Record Book
(SIRB)
(DSWD)


NOTES:
authentication.
If Borrower is Single without Child/Children/

Parent/s and the immediate family is sibling/s)
27
245
photocopy)
6. PSA Death Certificate of Parents (1 photocopy) PSA
PFF-030) (1 original copy) or in any Pag-IBIG Fun Branch
9. PSA Birth Certificate/Baptismal of surviving PSA/Church
sibling/s
10. If other sibling/s is/are deceased
 PSA Death Certificate of Deceased sibling/s PSA
 For single deceased sibling/s
 PSA Certificate of No Marriage (CENOMAR PSA
(1 photocopy)
 For married deceased sibling/s
 PSA Marriage Certificate (1 photocopy) PSA
 PSA Birth Certificate of all children or PSA
Baptismal (if with child/children) (1
photocopy)
 PSA Marriage Contract of all Female Legal PSA
Age Children (if with child/children), if
applicable (1 photocopy)
 Affidavit of Guardianship for minor Pag-IBIG Fund website (www.pagibigfund.gov.ph)
child/children. (HQP-PFF-028) (1 original or in any Pag-IBIG Fund Branch
copy)
 PSA Death Certificate of Deceased PSA
wife/child/children (if applicable) (1
photocopy)
the following:
Clearance
28
246
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)



HEIR/BENEFICIARY
Represented
29
247
original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.


photocopy)


30
248

sibling/s
(1 photocopy)
photocopy)
child/children. (HQP-PFF-028) (1 original or in any Pag-IBIG Fund Branch
copy)
photocopy)
12. Notarized Special Power of Attorney (SPA) (1 Pag-IBIG website (www.pagibigfund.gov.ph) or in
original copy) of Heir/s or Beneficiary/ies. any Pag-IBIG Branch/Person/s being Represented

original copy)
copy)
31
249
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
32
250

any Pag-IBIG Branch

NOTES:
authentication.
REQUIREMENTS FOR PERMANENT TOTAL

DISABILITY/TERMINAL ILLNESS LIVING BENEFIT
INSURANCE CLAIM
1. Duly Accomplished Application for MRI/SRI Claims Pag-IBIG website (www.pagibigfund.gov.ph) or in

(1 original copy) any Pag-IBIG Branch
2. Permanent Total Disability Form/Terminal Illness Pag-IBIG website (www.pagibigfund.gov.ph) or in

Form (1 original copy) any Pag-IBIG Branch
3. Insured’s Statement of Disability (1 original copy) Pag-IBIG website (www.pagibigfund.gov.ph) or in

any Pag-IBIG Branch
4. Complete Medical Records (photocopies) Hospital
5. For PTD, Certificate of Employment or any proof Employer of borrower

indicating the last day of report to work
6. Borrower’s PSA Birth Certificate or Baptismal (1 Philippine Statistics Authority (PSA)

photocopy)
33
251
7. If borrower is married, Borrower’s PSA Marriage PSA
Contract (1 photocopy)

back-to-back) of borrower/co-borrower. Any of the
following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
NOTES:
authentication.
34
252
For Representative



any Pag-IBIG Branch
4. Complete Medical Records (1 photocopy) Hospital


photocopy)



original copy) of borrower/co-borrower any Pag-IBIG Branch/Person being Represented

original copy)
copy)
Officer
- Apostille SPA
35
253
10. Two (2) valid ID with signature (1 photocopy, back-
to-back) of the representative and borrower/co-
borrower. Any of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
NOTES:
authentication.
36
254
FEES TO BE PROCESSING PERSON
PAID TIME RESPONSIBLE
and get a queue transaction
number and wait for
the number to be
called.
2. Submit the required 2. Ensure that the None 1 Hour Mortgage Loan
documents once your borrower is covered Specialist**
number is called. by MRI/SRI at the Servicing
time of death or date Department
2.1 Present the original the injury/sickness
copies of the was
documents for sustained/diagnosed
authentication. as stated in the
Permanent Total
2.2 Get the AR that will Disability Form/
be issued to Terminal Illness
acknowledge the Form.
receipt of documents.
NOTES:
a. For deceased borrower
who is no longer
eligible, inform
beneficiary/ies or heir/s
to pay for the
outstanding balance of
the borrower’s housing
accounts and the
remedies to settle the
outstanding balance.
b. For borrower with

PTD/Terminal Illness
who is no longer
eligible, inform the
borrower to update the
housing accounts.
37
255
c. Issue Notice of
Disqualification (HQP-
HLF-531) for non-
eligible borrowers.
2.1 Check authenticity, None 3 Hours

completeness and
accuracy of
submitted
documents.

issue
Acknowledgement
Receipt (AR) to
borrower.
2.3 Scan documentary None 1 Hour Mortgage Loan

requirements. Specialist**
LED I & II
2.4 Encode application None 1 Hour
details and upload
scanned
documentary
requirements.
2.5 Review correctness None 1 Working Day Division Chief III
of application details LED I & II
and the documentary
requirements.
2.6 Approve and None 3 Hours Approving

endorse the Authority
accounts for LED I & II
centralize processing
of claims in the
system.
2.7 Validates borrower/ None 1 Working Day Accounts

account information Management
against Bordereau Analyst II**
for MRI/SRI AMBD
Enrollment/Renewal.
38
256
2.8 Reviews correctness None 1 Working Day Division Chief III
of endorsed AMBD
application for
insurance claims.
2.9 Approve and None 1 Working Day Approving

endorse application Authority
for insurance claims AMBD
together with
scanned
documentary
requirements to
Insurance Broker.
2.10 Approve Insurance None 1 Working Day Insurance Broker

Claim.
6 Working
Days, 2 Hours
TOTAL: None
and 15
Minutes
39
257
6. Receive and Approve Interim Non-Life Insurance Claims Application
The program on Non-Life Insurance Claims allows the housing loan borrower or claimant to claim the
insurance benefit upon loss or damage of the property insured. The proceeds shall be utilized by the
borrower to restore the damaged property. But if the housing account is not updated prior to release, the
non-life insurance claim proceeds shall be first applied to the borrower’s housing loan arrearages. Also, the
borrower may opt to apply the non-life insurance claim proceeds to the housing loan obligation.
This service shall start from submission of complete documentary requirements up to endorsement of
claims for approval of Insurance Broker
 Loans Evaluation Department I & II (LED I & II)
Office or Division:  Accounts Management and Billing Department (AMBD)
1. Any Pag-IBIG borrower provided:
- Properties are affected by a calamity or other cause of loss, and/or
who are entitled to insurance claims due to other coverage extended
by the Insurance Broker, shall file their Non-Life Insurance Claims
within six (6) months from the occurrence thereof.
Who may avail: - Account is not yet excluded from Insurance Coverage.
2. The following coverage extended by the Insurance Broker:
a. Third Party Bodily Injury
b. Family Personal Accident
c. Alternative Accommodation
d. Death benefit
FOR MATERIAL DAMAGE - ALL RISKS CLAIM
1. Duly Accomplished Application for Non-Life Pag-IBIG Fund website (www.pagibigfund.gov.ph)
Insurance Claim (for Non-Life - Material Damage - or in any Pag-IBIG Fund Branch
All Risk) (1 original copy)
2. Cost of damages/bill of material; in case of total Architect or Civil Engineer/Foremen or Carpenter
loss of property, it must be duly signed by an
Architect or Civil Engineer; in case of partial
damage, it must be signed by Foreman or
Carpenter (1 photocopy)
258
3. Colored pictures of the damaged property Borrower
(minimum of at least 10 original copies)
4. Notarized Formal Claim (1 original copy) Pag-IBIG Fund website (www.pagibigfund.gov.ph)
5. Notarized Non-Waiver Agreement (1 original copy) Pag-IBIG Fund website (www.pagibigfund.gov.ph)
6. For Allied Perils
 Certificate from Barangay Captain (with logo) (1 Barangay
photocopy)
7. For Fire Claims
 Certificate from Bureau of Fire Protection (BFP) BFP
and/or incident form from Bureau of Fire
Protection (1 photocopy)
8. Two (2) valid IDs with signature (1 photocopy, back-
following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
259
for authentication.
For Representative





photocopy)
7. For Fire Claims
original copy) or in any Pag-IBIG Fund Branch/Person being
Represented
 For SPA executed and notarized in the
original copy)
260
copy)
- SPA duly authenticated by a Philippine Philippine Embassy of Host Country/Government
Officer

back-to-back) of the representative and
borrower/co-borrower. Any of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
261
for authentication.
FOR GENERAL LIABILITY (WITHIN PREMISES)-THIRD PARTY PROPERTY DAMAGE CLAIM


Insurance Claim (For Non-Life Extended Coverage) or in any Pag-IBIG Fund Branch
(1 original copy)
2. Incident Report from security guard or witness (1 Pag-IBIG Fund website (www.pagibigfund.gov.ph)
original copy) or in any Pag-IBIG Fund Branch
3. Colored pictures of the damaged third-party Borrower

property (minimum of at least 10 original copies)
4. Repair estimate of the damaged property (1 Third Party with damaged property caused by
photocopy) borrower
5. Proof of ownership of the lost or damaged third-party Third Party with damaged property caused by
property (1 photocopy) borrower

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
262
(DSWD)
- Government Office and Government-Owned and Government Office/Government-Owned and
Controlled Corporation (GOCC) ID (e.g. AFP ID, Controlled Corporation (GOCC)
Pag-IBIG Loyalty Card)
For Representative
(1 original copy)
property (minimum of 10 original copies)
photocopy) borrower
5. Proof of ownership of the lost or damaged third- Third Party with damaged property caused by
party property (1 photocopy) borrower

original copy or in any Pag-IBIG Fund Branch/Person being
Represented

copy)
263
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.
264
FOR THIRD PARTY BODILY INJURY CLAIM

(1 original copy)
2. Incident Report (1 original copy) Pag-IBIG Fund website (www.pagibigfund.gov.ph)

3. Medical/doctor’s certificate (1 photocopy) Physician
4. Hospital bills/statement of account (1 photocopy) Hospital
5. Doctor’s medicine prescription (1 photocopy) Physician
6. Official Receipts (for medicine, professional fees, Hospital

etc.) (1 photocopy)

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
265
(DSWD)
for authentication.
For Representative
(1 original copy)


etc.) (1 photocopy)
7. Notarized Special Power of Attorney (SPA) (1 original Pag-IBIG Fund website (www.pagibigfund.gov.ph)
copy) or in any Pag-IBIG Fund Branch/Person being
Represented

copy)
local notary (of country where the member
266
to-back) of representative and borrower/co-borrower.
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
10
267
For Family Personal Accident Claim

(1 original copy)


etc.) (1 photocopy each)
7. PSA Death Certificate (1 photocopy) Philippine Statistics Authority (PSA)

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
11
268
(DSWD)
for authentication.
For Representative

(1 original copy)


7. PSA Death Certificate (1 photocopy) Philippines Statistics Authority (PSA)

Represented
original copy)
12
269
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
13
270
For Sabotage and/or Terrorism Claim

(1 original copy)
2. Full copy of the police report (1 photocopy) Local Police Station where the sabotage and/or
terrorism happened.
3. Government declaration that the incident is indeed Local Government Unit (LGU)
an act of Sabotage and/or Terrorism (1 photocopy)
4. Replacement/report estimate of damaged property (1 Borrower

photocopy)
5. Colored pictures of damaged property (minimum of Borrower

at least 10 original copies)
6. Lay-out/floor plan (1 photocopy) Borrower

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
14
271
(DSWD)
for authentication.
For Representative

(1 original copy)
terrorism happened.
3. Government declaration that the incident is indeed an Local Government Unit (LGU)
act of Sabotage and/or Terrorism (1 photocopy)

photocopy)

Represented

copy)
15
272

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
16
273
and wait for the
2. Report the nature of 2. Ensure that the None 10 Minutes Mortgage Loans
claims once your borrower is covered Specialist**
number is called. by Insurance Claims Servicing
at the time of loss, Department
damaged of property
or accident.
2.1 Explain policies and None 10 Minutes

procedure and advise
borrower to
accomplish and
submit Report of Loss.

access the system,
encode and save
the date of
calamity/loss or
accident and issue
Notice of
Disqualification
(HQP-HLF-531) to
borrower/claimant.
3. Accomplish and submit 3. Ensure that the None 10 Minutes Mortgage Loan
the Report of Loss. Report of Loss is Specialist**
properly Servicing
NOTE: The borrower must accomplished. Department
accomplish
Application for 3.1 Issue Application for None 10 Minutes
Non-Life Insurance Non-Life Insurance
Claims and Claims based on the
complies with the nature of claim/loss
required or accident.
documents.
3.2 Advise the None 10 Minutes
borrower/claimant to
submit the
17
274
accomplished
Application form with
documentary
requirements.
3.3 Send Report of Loss None 10 Minutes Accounts

to Insurance Broker Management
through email. Analyst II**
AMBD

and wait for the
5. Submit required 5. Received required None 1 Hour Mortgage Loan

documents based on documents and check Specialist**
the nature of claim/loss for completeness. Servicing
or accident once your Department
number is called. 5.1 Accomplish and issue None 15 Minutes
Acknowledgement
5.1 Present the original Receipt (AR) to the
copy of documents borrower.
for authentication.
5.2 Get the AR that will LED I & II
be issued to
5.3 Encode application None 30 Minutes
acknowledge the
details and upload
receipt of the
scanned
documents.
documentary
requirements.

of application details LED I & II
and the documentary
requirements
5.5 Approve and endorse None 30 Minutes Approving Authority

the applications for LED I & II
of claims.
5.6 Validate borrower/ None 1 Working Day Accounts
against Bordereau for Analyst II**
18
275
Non-Life Enrollment/ AMBD
Renewal.

of endorsed AMBD
application for
insurance claims.
5.8 Approve and endorse None 1 Working Day Approving Authority

applications for AMBD
insurance claims to
Insurance Broker in
the system.

Claim.
5 Working
Days, 6 Hours
TOTAL: None
and 15
Minutes
19
276
7. Receive and Approve Loan Term Adjustment Application
The program on Loan Term Adjustment allows the housing loan borrowers to shorten or lengthen the term
of his/her housing loan account. For Lengthening of term, the maximum adjusted term shall be equal to
thirty (30) years less the number of years and/or months that expired since takeout of the account but not
to exceed the difference between age seventy (70) and the borrower’s/buyer’s present age. While, for
shortening of term, the adjusted term shall not exceed the remaining term of original housing account;
provided that, the borrower/buyer has the capacity to pay the new monthly amortization/installment.
 Accounts Management and Billing Department (AMDB)

Office or Division:
Any Pag-IBIG borrower who satisfies the following requirements:
 Account is updated upon application
 Updated real estate tax payment
Who may avail:
 No record of previous loan term adjustment
 Desired new term (lengthening) shall in no case exceed the age of 70.
 Income requirement (for shortening of term)
REQUIREMENTS UPON APPLICATION FOR
LENGTHENING OF TERM
1. Duly Accomplished Application for Loan Term Pag-IBIG Fund website (www.pagibigfund.gov.ph)
Adjustment (HQP-HLF-535) (1 original copy) or in any Pag-IBIG Fund Branch

photocopy)
 Marriage Contract with Supplemental PSA
Report of dissolution of marriage (1
photocopy)
1
277
c. Widowed
photocopy)

5. One (1) valid ID with signature (1 photocopy,

back-to-back) of borrower and spouse, co-
borrower and spouse and owner of title (for
accommodation mortgage) (if applicable). Any of
the following:
- Professional Regulation Commission (PRC) Professional Regulation Commission (PRC)
ID
Clearance
- Government Service Insurance System Government Service Insurance System (GSIS)
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
2
278
For Representative

photocopy)
Report of dissolution of marriage
c. Widowed
photocopy)
4. For Accommodation mortgage, notarized Special Pag-IBIG Fund Branch/AMBD

Power of Attorney (SPA) (1 original copy)
Represented
date and/or exit date to/from the Philippines
(1 original copy)
copy)
Consular Officer, or SPA notarized by
a local notary (of country where the
Officer.
- Apostille SPA
279
6. Two (2) valid IDs (1 photocopy, back-to-back)
with signature of the representative, borrower
and spouse, co-borrower and spouse and owner
of title (for accommodation mortgage) (if
applicable). Any of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

SHORTENING OF TERM
280

photocopy)
photocopy)
c. Widowed
photocopy)

5. Proof of Income
Compensation (CEC), indicating the Net
Disposable Income received by the

photocopy).


281
the last three (3) months prior to
date of loan application, must be
submitted together with CEC or ITR
as mentioned above.
a. ITR (1 certified true copy) (BIR Form No. Bureau of Internal Revenue (BIR)/ Department of
1701) duly certified by BIR, Audited Financial Trade and Industry (DTI)/ Municipal’s Office/ City
Statements (1 photocopy), and Official Hall
Receipt of tax payment from bank supported
with DTI Registration and Mayor’s
sketch of business location.
b. Commission Voucher (1 photocopy) or Employer / Business Owner / Source of

Certification of commissions received (1 Comissions


from rental payments).
issued by appropriate government agency Transportation Franchising and Regulatory Board
(LGU for tricycles, LTFRB for other PUVs, (LTFRB)/Transportation Association/Maritime
MARINA for sea transportation) and valid Industry Authority (MARINA)
282
f. Certificate of Engagement (HQP-HLF-111) Owner Authorized to Certify
of the services (1 original copy)
Barangay Secretary,
Barangay Captain
Agriculture/Forestry/ Department of Agrarian
Fishery Reform
(DAR)/Department of
Environment and
Natural Resources
(DENR)/Department of
Agriculture (DA)/Local
Government Unit
(LGU)/Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Private Household Employer, duly certified
by Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Other Community, Business Owner/Person
Social and Personal availing of the service,
Service Activities duly certified by
Barangay Captain or
Barangay Secretary,
Barangay Captain

fees on professional services, commissions or
283
Form 2307 (1 photocopy) to support/
supplement the income document
mentioned above.

the following:
Philippine Overseas Employment Admiration
(POEA), Philippine Consular Office at Host
Country or Member Services Office (MSO) at
Pag-IBIG Overseas Post within the past 12
months
 Employment Contract between employee Borrower/Philippine Overseas Employment

and employer (1 photocopy); or Admiration (POEA)/Philippine Consular Office at
Host Country/Member Services Office (MSO) at
Pag-IBIG Overseas Post
 Philippine Overseas Employment Borrower/POEA/Philippine Consular Office at

Admiration (POEA) Standard Contract (1 Host Country/MSO at Pag-IBIG Overseas Post
photocopy)

 CEC written on the Employer/Company’s Employer

 CEC signed by employer (for household Employer

staff and similarly situated employees)
supported by a photocopy of the
employer’s ID or passport (1 original copy)

following documents to support/supplement
the income documents mentioned above:
photocopy) (OWWA)
- Overseas Employment Certificate (1 Philippine Overseas Employment Administration
photocopy) (POEA)/ Employer
Visa) (1 photocopy)
photocopy)
284
- Bank remittance record (1 original copy) Borrower
required.

the following:
ID
Clearance
(GSIS) e-Card
- Senior Citizen Card Local Government Unit (LGU) / Office of Senior
(OWWA) ID (OWWA)
(POEA)
(DSWD)
285
For Representative

photocopy)
photocopy)
c. Widowed
photocopy)
4. Proof of Income

photocopy).

10
286
of loan application, must be
as mentioned above.

a. ITR (1 Certified true copy) (BIR Form No. Bureau of Internal Revenue (BIR)/ Department of
1701) duly certified by BIR, Audited Financial Trade and Industry (DTI)/ Municipal’s Office/City

Certification of commissions received (1 Comissions


e. Certified True Copy of Transport Franchise LGU/Land Transportation Franchising and

issued by appropriate government agency Regulatory Board (LTFRB)/Transportation
(LGU for tricycles, LTFRB for other PUVs, Association/Maritime Industry Authority
MARINA for sea transportation) and valid (MARINA)
11
287
Barangay Secretary,
Barangay Captain
Fishery Reform
(DAR)/Department of
Environment and
Natural Resources
Government Unit
(LGU)/Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
authorization with
Barangay Captain
or services rendered (for the last 12 months).
12
288

the following:
Philippine Overseas Employment
Administration (POEA), Philippine Consular
Office at Host Country or Member Services
Office (MSO) at Pag-IBIG Overseas Post
within the past 12 months.

and employer (1 photocopy); or Authority (POEA)/Philippine Consular Office at
 Philippine Overseas Employment Authority Borrower/POEA/Philippine Consular Office at

(POEA) Standard Contract (1 photocopy) Host Country/ MSO at Pag-IBIG Overseas Post

 CEC written on the Employer/Company’s Employer
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)
- Bank remittance record (1 original copy) Borrower
13
289
required.
Represented
(1 original copy)
copy)
- SPA duly authenticated by a
Philippine Consular Officer, or SPA
notarized by a local notary (of country
where the member is working) but
duly authenticated by a Philippine
Consular Officer.
- Apostille SPA
back-to-back) of the representative, borrower
ID
Clearance
14
290
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
-
Department of Social Welfare and DSWD
Government Office and Government-Owned Government Office/Government-Owned and
1. Notice of Approval for Loan Term Adjustment Pag-IBIG Fund Branch/AMBD
(NOA) (2 original copies) with conformity of the
borrower.
(3 original copies)
copy) for employers with existing CSA and in or in any Pag-IBIG Fund Branch
case the payment is thru salary deduction.
4. Replacement of 12 Post-Dated Checks, if mode Borrower
of payment is thru PDC.

number and wait for
the number to be
called.
15
291
documents once your required Management
number is called. documents and Analyst II**
check AMBD
2.1 Present the original completeness.
copies of the
documents for 2.1 Verify if borrower is None 30 Minutes
authentication. eligible to avail the
program.
2.2 Get the POF that will
be issued.
indicate in the
application form
the reason of
disapproval and
return to the
borrower.

and encodes REPT
receipt details and
update changes in
any.

details/status of
application in the
system.

application.
2.5 Generate and Issue None 30 Minutes Accounts

borrower for AMBD
payment of
processing fee.

borrower to pay the
processing fee at
LSSD and present
the original copy of
PFOR to AMBD.
16
292
3. Present POF (2 3. Accept payment Processing 30 Minutes Cashier
copies) and pay the based on the POF. Fee -PHP LSSD
processing fee at 500
LSSD once your
number is called. 3.1 Generate and issue None 30 Minutes
Pag-IBIG Fund
3.1 Get the PFOR that Official Receipt
will be issued upon (PFOR, 1 copy) to
payment. borrower.

4.1 Get the AR that will 4.1 Access system and None 30 Minutes
be issued to encodes PFOR
acknowledge the details.
receipt of the
documents. 4.2 Accomplish and None 15 Minutes
issue
Acknowledgement
Receipt (AR) to
borrower.

Approval for Loan AMBD
Term Adjustment
(NOA, HQP-HLF-
437) and
Promissory Note
(PN, HQP-HLF-
536).
4.4 Approve the None 1 Working Day Accounts

Application. Management
Specialist**
AMBD
4.5 Inform the borrower None 1 Hour Accounts

on the availability of Management
NOA and PN. Analyst II**
AMBD
17
293
number and wait for
the number to be
called.
secure the following following:
documents once your
- NOA (2 copies) corresponding Management
documentary Analyst II**
- PN (3 copies)
- Authority to
Deduct, if procedure to be
applicable undertaken.
NOTES: 6.2 Explain in detail the None 10 Minutes

a. The borrower must contents of the
sign the “conforme” documents.
portion of the NOA. 6.3 Advise to sign the None 10 Minutes
b. The borrower and “conforme” portion
spouse, co-borrower of the NOA and
and spouse and process the
accommodation notarization of the
mortgagor and spouse PN.
must sign the PN.
c. The borrower must 6.4 Issue the following None 10 Minutes
comply with all the documents:
requirements - NOA (2 copies)
indicated in the NOA. - PN (3 copies)
- Authority to
Deduct, if
applicable

number and wait for
the number to be
called.

check for AMBD
18
294
8.1 Get the PN (1 copy) completeness.
and NOA (1 copy).
8.1 Issue PN (1 copy) None 15 Minutes
NOTE: If mode of and NOA (1 copy)
payment is
through Post-
Dated Checks
(PDCs), submit
PDCs to LSSD.
Proceed to
Citizen’s Charter
on Issuance of
Replacement of
Post-Dated
Checks (PDCs)
by the Borrower.
6 Working
Days, 1 Hour
TOTAL: PHP 500
and 50
Minutes
19
295
8. Receive and Approve Moratorium on Housing Loan (HL) Payments of Borrowers
Affected by Calamities Application
The program on Moratorium on HL Payments allows the housing loan borrowers to suspend his/her
payment on housing loan amortization for a period due to declaration of state of calamity (such as typhoon,
earthquake, armed conflict, etc.) in area where the borrower is residing and/or working.
of Approval (NOA).

Center.
All Pag-IBIG Fund borrower who were affected by calamities and were able
to meet the following eligibility requirements:
 With age not exceeding seventy (70) years old at the end of the loan
term inclusive of the extended period/s due to availment/s;
Who may avail:
 With updated housing loan account, as of the month prior to the
declaration of state of calamity; and
 With housing unit for which the loan was procured is damaged or the
source of income has been impaired by the calamity or its after effects
1. Duly Accomplished Application for Moratorium on Pag-IBIG Fund website (www.pagibigfund.gov.ph)

Housing Loan Amortization Payments (HQP-HLF- or in any Pag-IBIG Fund Branch
047) (2 original copies)
2. Employer/Barangay Certification Employer/Barangay
NOTE: The Employer/Barangay Certification is

incorporated in the application form to be
signed by the Head of Office or authorized
representative or Head of Barangay,
whichever is applicable.
3. Colored picture of damaged property/affected Borrower

source of income (2 original copies)
296

to-back) of borrower and spouse and co-borrower
and spouse, owner of title (for accommodation
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.
297
For Representative

2. Employer/Barangay Certification Employer/Barangay/Person being represented

whichever is applicable


Represented
For OFW Borrower

original copy)
copy)
- Apostille SPA
298
to-back) of the representative, borrower and
(for accommodation mortgage) (if applicable) . Any
of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.
299
number and wait for
the number to be
called.
2. Submit the required 2. Receive required None 15 Minutes Accounts

documents once your documents and Management
number is called. check for Specialist**
completeness. AMBD
copy of documents 2.1 Evaluate borrower’s None 30 Minutes
for authentication. eligibility.
2.2 Get the POF that will
2.2 Interview borrower/ None 30 Minutes
be issued.
authorized
representative to
clarify entries in the
Application Form, if
applicable.
NOTE: If borrower is not

eligible, indicate in
the Application the
reason of
disqualification and
return the
documents.

Payment Order Form
(POF, 2 copies) for
payment of the
insurance premiums
during the
moratorium period or
housing loan
arrearages, if any.
300
to pay the amount
due at LSSD and
present original copy
of PFOR to AMBD.
3. Present POF (2 3. Accept the payment None 30 Minutes Cashier

copies) and pay based on the POF. LSSD
amount due at LSSD
once your number is 3.1 Generate and issue 30 Minutes
called. Pag-IBIG Official
Fund Receipt (PFOR,
3.1 Get the PFOR that 1 copy) to borrower.
will be issued upon
payment.

copy of PFOR once borrower’s name and Management
your number is called. amount paid is Specialist**
correct. AMBD
be issued to 4.1 Access system and None 30 Minutes
acknowledge the encodes PFOR
receipt of documents. details.

issue
Acknowledgement
Receipt (AR) to
borrower.

Application and Days Management
Approval of AMBD
Moratorium on HL
Amortization (NOA,
HQP-HLF038, 2
copies).
4.4 Approve the None 1 Working Day Division Chief III

Application. AMBD
301
NOA. Specialist**
AMBD

number and wait for
the number to be
called.
6. Return to AMBD and 6. Perform the following:

get the following
documents once your 6.1 Explain the content of None 30 Minutes Accounts
number is called: the NOA. Management
- Application (1 copy) Specialist**
- NOA (1 copy) AMBD
6.2 Issue the following None 30 Minutes
documents:
- Application (1 copy)
- NOA (1 copy)
6.3 Checks if the borrower None 1 Hour

has submitted PDCs.
NOTES:
a. If the borrower’s due
date is within 10
working days, advise
the borrower/
authorized
representative that he
must still deposit the
amount due for that
month and the
payment shall be
applied on the month
of the resumption of
housing loan payment.
b. If the borrower’s due

date is after 10 working
days, process pull out
of PDCs. Processing
goes to: Citizens
Charter on Request 7
of Pull Out of Post-
Dated Checks
(PDCs).
6 Working
Minutes
302
9. Receive and Approve Mortgage/Sales Redemption Insurance (MRI/SRI) Claims
Application
physician’s Statement of Disability (Date of PTD) or as of date of death based on the Death Certificate.
The MRI/SRI may be for interim coverage or regular coverage depending on the stage of the processing
of the borrower’s housing loan.
Provider.

Office or Division:  Any Pag-IBIG Branch. However, the application shall be forwarded to and
1. Death
time of death.
October 31, 2019)
a. The borrower becomes totally disabled for a continuous period of at
Who may avail:
14, 2014.
2019)
303

photocopy)




photocopy)


marriage.
304

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)


305

HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
306

photocopy)




photocopy)


marriage.

Represented

5
307
original copy)
copy)
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
308



NOTES:
authentication.



photocopy)


photocopy)
309

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)

310


HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
311


photocopy)


photocopy)

Represented

original copy)
copy)
10
312
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
11
313


NOTES:
authentication.

Surviving Parent/s

photocopy)


12
314

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)


13
315
showing the last date the insured was able to report
for work (1 photocopy)

HEIR/BENEFICIARY

Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.

Surviving Parent/s
14
316

photocopy)



Represented

original copy)
copy)
Officer
- Apostille SPA
15
317
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)



16
318
NOTES:
authentication.

photocopy)



incapacitated)

photocopy)


17
319
marriage.

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
18
320
any Pag-IBIG Branch

HEIR/BENEFICIARY
Represented
original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
19
321

photocopy)



incapacitated)

photocopy)

11. PSA Marriage Contract of all Female Legal Age


marriage.
Represented
20
322
original copy)
copy)
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
21
323

any Pag-IBIG Branch

NOTES:
a. There is discrepancy on the borrower’s/beneficiary/ies data
authentication.


photocopy)

22
324

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
23
325



HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
24
326


photocopy)



Represented

original copy)
copy)
25
327
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
26
328


NOTES:
authentication.


photocopy)

27
329
sibling/s

(1 photocopy)
photocopy)
child/children. (HQP-PFF-028)(1 original or in any Pag-IBIG Fund Branch
copy)
photocopy)

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
28
330
Record Book (SIRB)
(DSWD)

HEIR/BENEFICIARY
Represented
original copy)
copy)
Officer
29
331
- Apostille SPA
NOTES:
authentication.


photocopy)


sibling/s

(1 photocopy)
30
332
photocopy)
copy)
photocopy)


original copy)
copy)
Officer
- Apostille SPA

31
333
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)

any Pag-IBIG Branch

NOTES:
32
334
authentication.

INSURANCE CLAIM



any Pag-IBIG Branch


photocopy)


following:
Clearance
e-Card
33
335
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
NOTES:
authentication.
For Representative



any Pag-IBIG Branch


photocopy)
34
336



original copy)
copy)
Officer
- Apostille SPA

Clearance
e-Card
35
337
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
NOTES:
authentication.

number and wait for
the number to be
called.
2. Submit the required 2. Ensure that the None 1 Hour Accounts

documents once your borrower is covered Management
number is called. by MRI/SRI at the Analyst II**
time of death or date AMBD
2.1 Present the original the injury/sickness
copies of the was
Permanent Total
Disability Form/
36
338
2.2 Get the AR that will Terminal Illness
be issued to Form.
acknowledge the
receipt of documents. NOTES:

who is no longer
eligible, inform
to pay for the
accounts and the

who is no longer
housing accounts.
c. Issue Notice of
HLF-531) for non-
eligible borrowers.

completeness and
accuracy of
submitted
documents.

issue
Acknowledgement
Receipt (AR) to
borrower.
2.3 Scan documentary None 1 Hour

requirements.
37
339
details and upload
scanned
documentary
requirements.
of application details AMBD
and the documentary
requirements.

accounts for AMBD
of claims in the
system.

for MRI/SRI AMBD
Enrollment/Renewal.

of endorsed AMBD
application for
insurance claims.

together with
scanned
documentary
requirements to
Insurance Broker.

Claim.
6 Working
Days, 2 Hours
TOTAL: None
and 15
Minutes
38
340
10. Receive and Approve Non-Life Insurance Claims Application
non-life insurance claim proceeds shall be first applied to the borrower’s housing loan arrearages. Also,
the borrower may opt to apply the non-life insurance claim proceeds to the housing loan obligation.
claims for approval of Insurance Broker.

Office or Division:  Any Pag-IBIG Branch. However, the application shall be forwarded to and
d. Death benefit


341


photocopy)
7. For Fire Claims


following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
342
for authentication.
For Representative
photocopy)
7. For Fire Claims
Represented
original copy)
343
copy)
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
344
for authentication.


(1 original copy)

photocopy) borrower

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
345
(DSWD)
For Representative

(1 original copy)

photocopy) borrower

Represented
copy)
346
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.
347

(1 original copy)


etc.) (1 photocopy)

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
348
(DSWD)
for authentication.
For Representative
(1 original copy)


etc.) (1 photocopy)
Represented

copy)
349

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
10
350

(1 original copy)



following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
11
351
(DSWD)
for authentication.
For Representative

(1 original copy)



Represented

original copy)
SPA duly authenticated by a Philippine Philippine Embassy of Host Country/Government
12
352
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
13
353

(1 original copy)
terrorism happened.

photocopy)


following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
14
354
(DSWD)
for authentication.
For Representative

(1 original copy)
terrorism happened.

photocopy)

Represented

copy)
15
355
member is working) but duly authenticated
by a Philippine Consular Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
16
356
and wait for the
2. Report the nature of 2. Ensure that the None 10 Minutes Accounts

claims once your borrower is covered Management
number is called. by Insurance Claims Analyst II**
at the time of loss, AMBD
damaged of property
or accident.

borrower to
accomplish and

access the system,
encode and save
the date of
calamity/loss or
accident and issue
Notice of
Disqualification
(HQP-HLF-531) to
borrower/claimant.
3. Accomplish and submit 3. Ensure that the None 10 Minutes Accounts

the Report of Loss. Report of Loss is Management
properly Analyst II**
NOTE: The borrower must accomplished. AMBD
accomplish
documents.
submit the
17
357
accomplished
documentary
requirements.
3.3 Send Report of Loss None 10 Minutes

to Insurance Broker
through email.

and wait for the
5. Submit required 5. Received required None 1 Hour Accounts

documents based on documents and check Management
the nature of claim/loss for completeness. Analyst II**
or accident once your AMBD
number is called. 5.1 Accomplish and issue None 15 Minutes
Acknowledgement
for authentication.
requirements.
be issued to
acknowledge the
details and upload
receipt of the
scanned
documents.
documentary
requirements.

of application details AMBD
and the documentary
requirements.

the applications for AMBD
of claims.
18
358
Renewal.

of endorsed AMBD
application for
insurance claims.

insurance claims to
Insurance Broker in
the system.

Claim.
5 Working
Days, 6 Hours
TOTAL: None
and 15
Minutes
19
359
11. Release of Interim MRI/SRI Claim Proceeds
The program shall be done if borrowers have refund of Mortgage/Sales Redemption Insurance (MRI/SRI)
Claims and/or burial benefit after applying of MRI/SRI claim proceeds to housing loan account.
This service shall start from receipt of insurance claim proceeds up to availability of check (for refund on
insurance claims proceeds).
 Loans Accounting Department (LAD)

Who may avail: Borrowers with Refund of MRI/SRI Claims
For Borrower/Co-Borrower/Heir/Beneficiary
to-back) of the borrower/co-borrower/
heir/beneficiary. Any of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
360
(DSWD)
for authentication.
For Representative

original copy) of borrower/co-borrower/heir/ any Pag-IBIG Branch/Person being Represented
beneficiary
For OFW Borrower/Co-Borrower/Heir/Beneficiary

original copy)
copy)
Consular Officer.

borrower/heir/beneficiary. Any of the following:
Clearance
361
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

1. Upon receipt of None 4 Working Accounts
insurance claims, Days Specialist**/
record claim Accountant IV/
proceeds. Division Chief III
LAD
1.1 Determine the None 1 Working Day Mortgage Loan

amount to be and 3 Hours Specialist**
released and LED I & II
process Request for
Payment (RFP). and
Approving
Authority
362
Voucher (DV)/Check
representing the and
amount to be
Approving
refunded or burial
Authority
benefit.
1.3 Inform borrower/ None 30 Minutes Check Release

claimant on the Controller
availability of Check. LSSD
1. Proceed to the 1.4 Provide queue None 1 Hour* Information Officer

Information Officer and number for the
and wait for the

submit the required documents. Controller
documents once your LSSD
number is called. 2.1 Validate the identity None 15 Minutes
of claimant against
2.1 Signs the “Received valid ID and SPA (if
by” portion of Check applicable).
Register and get the
Check that will be
sign Disbursement
issued.
Voucher (DV) and
on the “Received by”
portion of Check
Register.

claimant.
6 Working
Days, 7 Hours
TOTAL: None
and 30
Minutes
363
12. Release of Interim Non-Life Insurance Claim Proceeds
The program shall be done if borrowers have refund of non-life insurance claims and/or burial benefit after
applying of Non-Life Insurance claim proceeds to housing loan account.

Who may avail: Borrowers with Refund of Non-Life Insurance Claims
following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
364
(DSWD)
for authentication.
For Representative


original copy)
copy)
Consular Officer.

Clearance
365
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

record claim Accountant IV/
proceeds. Division Chief III
LAD

process Request for
Payment (RFP). And
Approving
Authority
366
Voucher (DV)/Check
amount to be
Approving
refunded.
Authority


and wait for the

of claimant against
Check that will be
sign Disbursement
issued.
Voucher (DV) and
portion of Check
Register.

claimant.
6 Working
Days, 7 Hours
TOTAL: None
and 30
Minutes
367
13. Release of MRI/SRI Claim Proceeds
 Computer Operations Task Force (COTF)

Office or Division:  Loans Accounting Department (LAD)
Who may avail: Borrowers with Refund of MRI/SRI Claims
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
368
(DSWD)
for authentication.
For Representative

beneficiary

original copy)
copy)
Consular Officer.

Clearance
369
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

1. Upon receipt of None 4 Working I.T. Officer I
insurance claims, Days COTF
post claim proceeds.
1.1 Verifies borrower’s None 30 Minutes Accounts

outstanding loan Specialist**/
balance after Accountant IV/
applying the Division Chief III
insurance proceeds LAD
to housing loan
and
account.
370
1.2 Determine the None 1 Working Day Assistant
amount to be and 3 Hours Department
released and Manager
process Request for LAD
Payment (RFP).

Voucher (DV)/Check
amount to be
Approving
refunded or burial
Authority
benefit.


and wait for the

of claimant against
Check that will be
sign Disbursement
issued.
Voucher (DV) and
portion of Check
Register.

claimant.
7 Working
TOTAL: None
Days
371
14. Release of Non-Life Insurance Claim Proceeds

Office or Division:
following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
372
for authentication.
For Representative


original copy)
copy)
Consular Officer.

Clearance
373
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

post claim proceeds. Accountant IV/
Division Chief III
LAD
1.1 Verifies borrower’s None 30 Minutes
outstanding loan and
balance after
applying the Assistant
insurance proceeds Department
to housing loan Manager
account. LAD
1.2 Determine the None 1 Working Day

amount to be and 3 Hours
released and
process Request for
Payment (RFP).
374
Voucher (DV)/Check
amount to be
Approving
refunded.
Authority


and wait for the

of claimant against
Check that will be
sign Disbursement
issued.
Voucher (DV) and
portion of Check
Register.

claimant.
7 Working
TOTAL: None
Days
375
15. Request for Inspection of House for Release of Interim Non-Life Insurance Claims
Proceeds (For Accounts with more than P50,000 Claim Proceeds)
PHP50,000. The borrower/co-borrower shall submit the letter request for inspection of house.
This service shall start from the receipt of request for inspection of house up to availability of memo report.
Office or Division:
 Property Valuation Department (PVD)
1. Letter Request for inspection of house Borrower

1. Proceed to the 1. Provide queue None 1 Hour* Information
Information Officer and number for desired Officer
and wait for the
2. Submit Letter Request 2. Prepare and endorse None 4 Hours Mortgage Loan
for inspection of house Memo for the request Specialist**
once your number is of house inspection of Servicing
called. borrower to PVD. Department
NOTE: The borrower may 2.1 Encode borrower/ None 30 Minutes Data Encoder
request for claimant account PVD
inspection of details in the system.
house thru email
and telephone call. 2.2 Schedules and None 30 Minutes
assigns appraiser to
conduct inspection of
borrower/claimant
house.
376
2.3 Conducts inspection None 5 Working Property
of house. Days Appraiser
I/Property
2.4 Prepares Memo None 1 Working Day Appraiser II/
Report and Property
Appraiser III
supporting
PVD
documents, if
necessary, on the
result of house
inspection indicating
the monetary value
and percentage of
completion of the
damaged property.
2.5 Endorse Memo None 1 Hour

Report to AMBD.
6 Working
TOTAL: None Days and
7 Hours
377
16. Request for Inspection of House for Release of Non-Life Insurance Claims

Office or Division:

and wait for the
2. Submit Letter Request 2. Prepare and endorse None 4 Hours Accounts

for inspection of house Memo for the request Management
once your number is of house inspection of Analyst II**
called. borrower to PVD. AMBD
NOTE: The borrower may 2.1 Encode borrower/ None 30 Minutes Data Encoder
request for claimant account PVD
inspection of details in the system.
house thru email
and telephone call. 2.2 Schedules and None 30 Minutes
borrower/claimant
house.
378
I/Property
Report and Property
Appraiser III
supporting
PVD
documents, if
necessary, on the
result of house
the monetary value
and percentage of
completion of the
damaged property.

Report to AMBD.
6 Working
7 Hours
379
LOANS MANAGEMENT
(REGION)
EXTERNAL SERVICES
380
1. Final Release of Interim Non-Life Insurance Claims Proceeds (For Accounts with
more than P50,000 Claim Proceeds)
PHP50,000.
 Loans Servicing-Loans Origination (HBC)/Loans Origination (HBC)

 Loans Evaluation-Loans Origination (HBC)/Loans Origination (HBC)
Office or Division:  Cash and Administrative Services Division-Technical and Admin
Support (CASD-TAS)
 Branch Support-Branch

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
381
(DSWD)
for authentication.
For Representative


copy)
Consular Officer.

Clearance
382
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

1. Receive Memo None 15 Minutes Mortgage Loan
Report from Specialist**
Property Valuation Loans Servicing-
Department (PVD). Loans Origination
(HBC)/Loans
Origination (HBC)
endorse Memo to
Release the
Proceeds to HL
Accounting-Loans
Management and
Recovery (HBC)/HL
Accounting (HBC).
383
1.2 Determine the None 3 Working Mortgage Loan
amount to be Days, 4 Hours Specialist**
released and and 45 Minutes Loans
process Request for Evaluation-Loans
Origination
Payment (RFP).
(HBC)/Loans
Origination (HBC)
and
Approving
Authority

Disbursement and 4 Hours CASD-TAS
Voucher
(DV)/Check and
representing the
Approving
refunded or burial
benefit.

availability of Branch Support-
Check. Branch

and wait for the
2. Return to Branch 2. Receive the required None 15 Minutes Check Release

Support-Branch, documents and Controller
submit the required check for Branch Support-
documents once your completeness. Branch
number is called.
2.1 Validate the identity None 15 Minutes
of claimant against
2.1 Signs the “Received
valid ID and SPA (if
by” portion of Check
applicable).
384
Check that will be 2.2 Request claimant to None 15 Minutes
issued. sign Disbursement
Voucher (DV) and on
portion of Check
Register.

claimant.
6 Working
Hours
385
2. Final Release of Non-Life Insurance Claims Proceeds (For Accounts with more than
P50,000 Claim Proceeds)
PHP50,000.
 Loans Management-Loans Management and Recovery (HBC)/Loans

Management (HBC)
 HL Accounting-Loans Management and Recovery (HBC)/HL
Office or Division: Accounting (HBC)
 Cash and Administrative Services Division-Technical and Admin
Support (CASD-TAS)

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
386
Record Book (SIRB)
(DSWD)
for authentication.
For Representative


copy)
Consular Officer.

387
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

1. Receive Memo None 15 Minutes Accounts
Report from Management
Property Valuation Analyst II**
Department (PVD). Loans
Management-
Loans
1.1 Prepare and None 1 Working Day Management and
endorse Memo to Recovery
Release the (HBC)/Loans
Proceeds to HL Management
Accounting-Loans (HBC)
Management and
Recovery (HBC)/HL
Accounting (HBC).
388
1.2 Determine the None 3 Working Accounts
amount to be Days, 4 Hours Specialist**/
released and and 45 Minutes Division Chief III
process Request for HL Accounting-
Loans
Payment (RFP).
Management and
Recovery (HBC)/
HL Accounting
(HBC)
and
Approving
Authority

Voucher
(DV)/Check and
representing the
Approving
refunded or burial
benefit.

Check. Branch

and wait for the
2. Return to Branch 2. Receive the None 15 Minutes Check Release

Support-Branch, required Controller
submit the required documents and Branch Support-
documents once your check for Branch
issued.
389
sign Disbursement
Voucher (DV) and on
portion of Check
Register.

claimant.
6 Working
Hours
390
3. Receive and Approve Change in Fixed Pricing Period Application
The program on the Change in Fixed Pricing Period allows the housing loan borrowers to request for a
change in re-pricing period under Full Risk-Based Pricing Period Program depending on the chosen fixed
pricing period whether it is after every three (3), five (5), ten (10), fifteen (15), twenty (20) or twenty-five (25)
years. The borrower may also request for subsequent change in re-pricing period but not more than once
every three (3) years provided she/he has updated housing loan account and real estate property tax as of
the time of application.

Management (HBC)
Office or Division:
Center.
Any Pag-IBIG borrower who satisfies the following terms and condition:
 The housing loan account is updated as of the time of application
Who may avail:  Has remitted at least twelve (12) monthly amortizations under the
existing re-pricing period
 The real estate property tax is updated
original copy)

photocopy)
391
c. Widowed
photocopy)
4. For accommodation mortgage, notarized Special Pag-IBIG Fund Branch/Loans Management-Loans

Power of Attorney (SPA) (1 original copy). Management and Recovery (HBC)/Loans
Management (HBC)

- Integrated Bar of the Philippines (IBP) ID Integrated Bar of the Philippines
Clearance
e-Card
Citizen Affairs
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
392
for authentication.
For Representative

original copy)

photocopy)
c. Widowed
 Death Certificate of deceased spouse (1
photocopy)
Management (HBC)
Represented
original copy)
copy)
Officer.
393
- Apostille SPA
of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.
394
1. Notarized Promissory Note (PN) (HQP-HLF-181) Pag-IBIG Fund Branch/Loans Management-Loans

(3 original copies) Management and Recovery (HBC)/Loans
Management (HBC)

3. Replacement of 12 Post-Dated Checks , if mode of Borrower


and wait for the

completeness. Loans
Management-
Loans
copy of the 2.1 Verify if the None 30 Minutes Management and
documents for borrower is eligible Recovery
authentication. to avail the program. (HBC)/Loans
Management
2.2 Get the POF that will NOTE: If not eligible, (HBC)
be issued. indicate in the
application form
the reason of
disapproval and
return to the
borrower.

and encode REPT
receipt details and
update changes in
any.
395
2.3 Update the status of None 15 Minutes
application in the
system.

and approve the Loans
application. Management-
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)

borrower for Loans
payment of service Management-
Loans
fee. Management and
Recovery
(HBC)/Loans
to pay the service Management
fee at Branch (HBC)
Support-Branch and
copy of PFOR to
Loans Management-
Loans Management
and Recovery
(HBC)/Loans
Management (HBC).
service fee at Branch based on the POF. - PHP 1,000 Branch Support-
Support-Branch once Branch
your number is called. 3.1 Generate and issue None 30 Minutes
Pag-IBIG Fund
payment.

called. correct. Loans
Management-
396
4.1 Access system and None 30 Minutes Loans
4.1 Get the AR that will be encodes PFOR Management and
issued to acknowledge details. Recovery
(HBC)/Loans
the receipt of the
Management
documents. (HBC)
issue
Acknowledgement
Receipt (AR) to
borrower.

Approval for Change Loans
Management-
of Fixed Pricing
Loans
Period (NOA, HQP- Management and
HLF-185) and Recovery
Promissory Note (HBC)/Loans
(PN, HQP-HLF- Management
181). (HBC)

application. Loans
Management-
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)

Loans
Management-
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)
397
and wait for the
6. Return to Loans 6. Perform the

Management-Loans following:
Management and
Recovery (HBC)/Loans 6.1 Explain the None 10 Minutes Accounts
Management (HBC) corresponding Management
and get the following documentary Analyst II**
requirements and Loans
documents once your
procedures to be Management-
number is called: Loans
- NOA (1 copy) undertaken.
Management and
- PN (3 copies) Recovery
- Authority to Deduct, 6.2 Explain in detail the None 10 Minutes (HBC)/Loans
if applicable contents of the Management
documents. (HBC)
NOTES:
6.3 Advise to sign and None 10 Minutes
a. The borrower and process the
spouse, co-borrower notarization of the
and spouse and PN.
accommodation
mortgagor and spouse 6.4 Issue the following None 10 Minutes
must sign the PN. documents:
- NOA (1 copy)
b. The borrower must - PN (3 copies)
comply with all the - Authority to
requirements indicated Deduct, if
in the NOA. applicable

to be called

completeness. Loans
Management-
Loans
8.1 Get PN (1 copy). 8.1 Issue PN (1 copy). None 15 Minutes Management and
Recovery
398
NOTE: If mode of payment (HBC)/Loans
is through Post- Management
Dated Checks (HBC)
(PDCs), submit
PDCs to Branch
Support-Branch.
Proceed to
Citizen’s Charter
on Issuance of
Replacement of
Post-Dated
Checks (PDCs) by
the Borrower.
6 Working
PHP 1,000 Days, 1 Hour
TOTAL:
and 50
Minutes
399
4. Receive and Approve Conversion to Full Risk-Based Pricing Application
The program on the Conversion to Full Risk-Based Pricing model allows the housing loan borrowers to
align their interest rate policies in accordance with the Fund’s Full Risk-Based Pricing Framework. Interest
rates shall be re-priced periodically depending on the chosen fixed pricing period whether it is after every
three (3), five (5), ten (10), fifteen (15), twenty (20) or twenty-five (25) years.

Management (HBC)
Office or Division:
Center.
Any Pag-IBIG borrower whose accounts were taken out under Circular
No. 247 or were restructured under Circular 300 or earlier Circulars as of
date of application provided:
Who may avail:  The borrower’s housing loan account is updated. Borrowers whose
accounts are in arrears shall be required to fully update their accounts.
 The borrower must be an active Pag-IBIG member.
 Updated real estate tax payment.

original copy)

photocopy)
400
c. Widowed
photocopy)

Management (HBC)

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
Persons (NCWPD) Certification (NCDA)/Department of Social Welfare and
Development (DSWD)
401
for authentication.
For Representative

original copy)
photocopy)
c. Widowed
photocopy)

Management (HBC)
Represented
original copy)
copy)
402
Officer
- Apostille SPA

of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.
403
1. Notarized Promissory Note (PN) (HQP-HLF-181) Pag-IBIG Fund Branch/ Loans Management-
(3 original copies) Loans Management and Recovery (HBC)/Loans
Management (HBC)

3. Replacement of 12 Post-Dated Checks, if mode of Borrower

and wait for the

completeness. Loans
Management-
Loans
copy of the documents 2.1 Verify if the None 30 Minutes Management and
for authentication. borrower is eligible Recovery
to avail the (HBC)/Loans
2.2 Get the POF that will program. Management
be issued. (HBC)
indicate in the
application form
the reason of
disapproval and
return to the
borrower.

and encode REPT
receipt details and
update changes in
any.
404
details/status of
application in the
system.

Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)

borrower for Loans
payment of service Management-
Loans
fee.
Management and
Recovery
2.6 Advise the borrower None 15 Minutes (HBC)/Loans
to pay the service Management
fee at Branch (HBC)
Support-Branch and
copy of PFOR to
Loans
Management-Loans
Management and
Recovery (HBC)/
Loans Management
(HBC).
service fee at Branch based on the POF. - PHP 1,000 Branch Support-
Support-Branch once Branch
your number is called. 3.1 Generate and issue None 30 Minutes
Pag-IBIG Fund
payment.
405
Management-
4.1 Get the AR that will be Management and
Recovery
the receipt of details. (HBC)/Loans
documents. Management
4.2 Accomplish and None 15 Minutes (HBC)
issue
Acknowledgement
Receipt (AR) to
borrower.

Approval For Loans
Conversion to Full Management-
Loans
Risk-Based Pricing
Management and
Model (HQP-HLF- Recovery
184) and (HBC)/Loans
Promissory Note Management
(PN, HQP-HLF- (HBC)
181).

application. Loans
Management-
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)

Loans
Management
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)
406
number and wait for
the number to be
called.

Management and
Recovery (HBC)/ 6.1 Explain the None 10 Minutes Accounts
Loans Management corresponding Management
(HBC) and get the
requirements and Loans
following documents Management-
once your number is procedures to be
Loans
called: undertaken.
Management and
- NOA (1 copy) Recovery
- PN (3 copies) 6.2 Explain in detail the None 10 Minutes (HBC)/Loans
- Authority to Deduct, contents of the Management
if applicable documents. (HBC)
NOTES: 6.3 Advise to sign and None 10 Minutes

process the
a. The borrower and notarization of the
spouse, co-borrower PN.
and spouse and
accommodation 6.4 Issue the following None 10 Minutes
mortgagor and spouse documents:
must sign the PN. - NOA (1 copy)
- PN (3 copies)
b. The borrower must - Authority to
comply with all the Deduct, if
requirements indicated applicable
in the NOA.

get queue number and transaction.
be called.

completeness. Loans
Management-
407
8.1 Get PN (1 copy). 8.1 Issue PN (1 copy). None 15 Minutes Loans
Management and
NOTE: If mode of payment Recovery
is through Post- (HBC)/Loans
Dated Checks Management
(PDCs), submit (HBC)
PDCs to Branch
Support-Branch.
Proceed to
Citizen’s Charter
on Issuance of
Replacement of
Post-Dated
Checks (PDCs) by
the Borrower.
6 Working
TOTAL: PHP 1,000 Days, 1 Hour
and 50 Minutes
408
5. Receive and Approve Interim Mortgage/Sales Redemption Insurance (MRI/SRI)
Claims Application
Provider.

Office or Division:
Center.
1. Death
time of death.
October 31, 2019)
Who may avail: a. The borrower becomes totally disabled for a continuous period of at
14, 2014.
2019)
409

photocopy)




photocopy)


marriage.
410

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)

411


HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
4
412

photocopy)




photocopy)


marriage.
Represented

original copy)
413
copy)
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
414


NOTES:
authentication.



photocopy)


photocopy)
415

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
416


HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
417


photocopy)


photocopy)

Represented

original copy)
copy)
10
418
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
11
419


NOTES:
authentication.

Surviving Parent/s

photocopy)


child/children (1 photocopy)
12
420

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)


13
421

HEIR/BENEFICIARY

Represented
original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.

Surviving Parent/s
14
422

photocopy)



Represented

original copy)
copy)
Officer
- Apostille SPA
15
423
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)


16
424
NOTES:
authentication.

photocopy)



incapacitated)

photocopy)
17
425


marriage.

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
18
426
any Pag-IBIG Branch
HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
19
427

photocopy)



incapacitated)

photocopy)



marriage.
Represented
20
428
original copy)
copy)
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
21
429

any Pag-IBIG Branch

NOTES:
authentication.


photocopy)

22
430

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
23
431



HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
24
432


photocopy)



Represented

original copy)
copy)
25
433
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book
(SIRB)
(DSWD)
26
434


NOTES:
authentication.


photocopy)

27
435
sibling/s
(1 photocopy)
photocopy)
copy)
photocopy)
the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
28
436
(DSWD)



HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
29
437
- Apostille SPA
NOTES:
authentication.


photocopy)


sibling/s
(1 photocopy)
30
438
photocopy)
copy)
photocopy)


original copy)
copy)
Officer
- Apostille SPA

31
439
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)

any Pag-IBIG Branch

NOTES:
32
440
authentication.

INSURANCE CLAIM



any Pag-IBIG Branch


photocopy)


following:
Clearance
e-Card
33
441
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
NOTES:
authentication.
For Representative



any Pag-IBIG Branch


photocopy)
34
442



original copy)
copy)
Officer
- Apostille SPA

Clearance
e-Card
35
443
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
NOTES:
authentication.

number and wait for
the number to be
called.
2. Submit the required 2. Ensure that the None 1 Hour Mortgage Loan
documents once your borrower is covered Specialist**
number is called. by MRI/SRI at the Loans Servicing-
time of death or date Loans Origination
2.1 Present the original the injury/sickness (HBC)/Loans
Origination (HBC)
copies of the was
Permanent Total
Disability Form/
36
444
be issued to Form.
acknowledge the

who is no longer
eligible, inform
to pay for the
accounts and the

who is no longer
housing accounts.
c. Issue Notice of
HLF-531) for non-
eligible borrowers.

completeness and
accuracy of
submitted
documents.

issue
Acknowledgement
Receipt (AR) to
borrower.

Loans Evaluation-
37
445
2.4 Encode application None 1 Hour Loans Origination
details and upload (HBC)/Loans
scanned Origination (HBC
documentary
requirements.

of application details Loans Evaluation-
and the documentary Loans Origination
requirements. (HBC)/Loans
Origination (HBC)

accounts for Loans Evaluation-
centralize processing Loans Origination
of claims in the (HBC)/Loans
Origination (HBC
system.

for MRI/SRI AMBD
Enrollment/Renewal.

of endorsed AMBD
application for
insurance claims.

together with
scanned
documentary
requirements to
Insurance Broker.
Claim.
6 Working
Days, 2 Hours
TOTAL: None
and 15
Minutes
38
446
6. Receive and Approve Interim Non-Life Insurance Claims Application
non-life insurance claim proceeds shall be first applied to the borrower’s housing loan arrearages. Also, the
borrower may opt to apply the non-life insurance claim proceeds to the housing loan obligation.

 Loans Evaluation-Loans Origination (HBC)/Loans Origination
Office or Division:
Center.
d. Death benefit


447
(minimum at least of 10 original copies)



photocopy)
7. For Fire Claims


following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
448
(DSWD)
for authentication.
For Representative





photocopy)
7. For Fire Claims


Represented
449
original copy)
copy)
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
450
(DSWD)
for authentication.


(1 original copy)

photocopy) borrower

following:
Clearance
e-Card
451
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
For Representative
(1 original copy)
photocopy) borrower

Represented

452
copy)
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
453
for authentication.


(1 original copy)


etc.) (1 photocopy)

following:
Clearance
e-Card
(OWWA) ID (OWWA)
454
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.
For Representative
(1 original copy)


etc.) (1 photocopy)
Represented

copy)
455

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
10
456

(1 original copy)



following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
11
457
(DSWD)
for authentication.
For Representative

(1 original copy)



Represented

original copy)
12
458
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
13
459


(1 original copy)
terrorism happened.

photocopy)


following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
14
460
Record Book (SIRB)
(DSWD)
for authentication.
For Representative

(1 original copy)
terrorism happened.

photocopy)

Represented

copy)
15
461
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
16
462

and wait for the
2. Report the nature of 2. Ensure that the None 10 Minutes Mortgage Loans
claims once your borrower is covered Specialist**
number is called. by Insurance Claims Loans Servicing-
at the time of loss, Loans Origination
damaged of property (HBC)/Loans
Origination (HBC)
or accident.

borrower to
accomplish and

access the system,
encode and save
the date of
calamity/loss or
accident and issue
Notice of
Disqualification
(HQP-HLF-531) to
borrower/claimant.
3. Accomplish and submit 3. Ensure that the None 10 Minutes Mortgage Loans
the Report of Loss. Report of Loss is Specialist**
properly Loans Servicing-
NOTE: The borrower must accomplished. Loans Origination
accomplish (HBC)/Loans
Origination (HBC)
17
463
documents. 3.2 Advise the None 10 Minutes
submit the
accomplished
documentary
requirements.

AMBD

and wait for the
5. Submit required 5. Received required None 1 Hour Mortgage Loans

documents based on documents and check Specialist**
the nature of claim/loss for completeness. Loans Servicing-
or accident once your Loans Origination
number is called. 5.1 Accomplish and issue None 15 Minutes (HBC)/Loans
Acknowledgement Origination (HBC)
for authentication.
5.2 Scan documentary None 1 Hour Mortgage Loans
5.2 Get the AR that will Loans Evaluation-
be issued to Loans Origination
acknowledge the (HBC)/Loans
receipt of the Origination (HBC)
details and upload
documents.
scanned
documentary
requirements.

of application details Loans Evaluation-
and the documentary Loans Origination
requirements. (HBC)/Loans
Origination (HBC)
18
464
the applications for Loans Evaluation-
centralize processing Loans Origination
of claims. (HBC)/Loans
Origination (HBC)

Renewal.

of endorsed AMBD
application for
insurance claims.

insurance claims to
Insurance Broker in
the system.

Claim.
5 Working
Days, 6 Hours
TOTAL: None
and 15
Minutes
19
465
7. Receive and Approve Loan Term Adjustment Application
The program on Loan Term Adjustment allows the housing loan borrowers to shorten or lengthen the term
of his/her housing loan account. For Lengthening of term, the maximum adjusted term shall be equal to
thirty (30) years less the number of years and/or months that expired since takeout of the account but not
to exceed the difference between age seventy (70) and the borrower’s/buyer’s present age. While, for
shortening of term, the adjusted term shall not exceed the remaining term of original housing account;
provided that, the borrower/buyer has the capacity to pay the new monthly amortization/installment.

Management (HBC)
Office or Division:  Branch Support-Branch
 Account is updated upon application
 Updated real estate tax payment
Who may avail:
 No record of previous loan term adjustment
 Desired new term (lengthening) shall in no case exceed the age of 70.
 Income requirement (for shortening of term)
LENGTHENING OF TERM

photocopy)
466
photocopy)
c. Widowed
photocopy)
4. For accommodation mortgage, notarized Special Pag-IBIG Fund Branch/Loans Management-
Power of Attorney (SPA) (1 original copy). Loans Management and Recovery (HBC)/Loans
Management (HBC)

the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
467
For Representative

photocopy)
Report of dissolution of marriage
c. Widowed
photocopy)
4. For Accommodation mortgage, notarized Special Pag-IBIG Fund Branch/Loans Management-

Power of Attorney (SPA) (1 original copy) Loans Management and Recovery (HBC)/Loans
Management (HBC)
Represented
(1 original copy)
copy)
468
member is working) but duly authenticated
by a Philippine Consular Officer.
- Apostille SPA
6. Two (2) valid IDs (1 photocopy, back-to-back)

with signature of the representative, borrower
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
469
SHORTENING OF TERM

photocopy)
photocopy)
c. Widowed
photocopy)

Management (HBC)
5. Proof of Income

photocopy).
470

the last three (3) months prior to
date of loan application, must be
as mentioned above.
1701) duly certified by BIR, Audited Financial Trade and Industry (DTI)/ Municipal’s Office/ City

Certification of commissions received (1 Commissions


from rental payments).
issued by appropriate government agency, Transportation Franchising and Regulatory Board
471
(LGU for tricycles, LTFRB for other PUVs (LTFRB)/Transportation Association/Maritime

Barangay Secretary,
Barangay Captain
Fishery Reform
(DAR)/Department of
Environment and
Natural Resources
Government Unit
(LGU)/Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
472
fees on professional services, commissions or
Form 2307 (1 photocopy) to

the following:
Philippine Overseas Employment Admiration
(POEA), Philippine Consular Office at Host
Country or Member Services Office (MSO) at
Pag-IBIG Overseas Post within the past 12
months

and employer (1 photocopy); or Admiration (POEA)/Philippine Consular Office at

Admiration (POEA) Standard Contract (1 Host Country/MSO at Pag-IBIG Overseas Post
photocopy)




photocopy) (OWWA)
473
Visa) (1 photocopy)
photocopy)
- Bank remittance record (1 original copy) Member-Applicant/Borrower
required.

the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
474
For Representative

photocopy)
photocopy)
c. Widowed
photocopy)
4. Proof of Income

photocopy).
10
475

as mentioned above.
a. ITR (1 Certified true copy) (BIR Form No. Bureau of Internal Revenue (BIR)/ Department of
1701) duly certified by BIR, Audited Financial Trade and Industry (DTI)/ Municipal’s Office/City



11
476
issued by appropriate government agency Regulatory Board (LTFRB)/Transportation
(LGU for tricycles, LTFRB for other PUVs, Association/Maritime Industry Authority
Barangay Secretary,
Barangay Captain
Fishery Reform
(DAR)/Department of
Environment and Natural
Resources
Government Unit
(LGU)/Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
12
477
support/ supplement the income

the following:
within the past 12 months.
and employer (1 photocopy); or Authority (POEA)/Philippine Consular Office at
 Philippine Overseas Employment Authority Borrower/POEA/Philippine Consular Office at

(POEA) Standard Contract Host Country/ MSO at Pag-IBIG Overseas Post
(1 photocopy)

photocopy) (OWWA)
13
478
Visa) (1 photocopy)
photocopy)
required.
Management (HBC)
Represented
(1 original copy)
copy)
Consular Officer.
- Apostille SPA
back-to-back) of the representative, borrower
ID
14
479
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1. Notice of Approval for Loan Term Adjustment Pag-IBIG Fund Branch/Loans Management-
(NOA) (2 original copies) with conformity of the Loans Management and Recovery (HBC)/Loans
borrower. Management (HBC)
2. Notarized Promissory Note (PN) (HQP-HLF-536) Pag-IBIG Fund Branch/ Loans Management-
(3 original copies) Loans Management and Recovery (HBC)/Loans
Management (HBC)

copy) for employers with existing CSA and in or in any Pag-IBIG Fund Branch
case the payment is thru salary deduction.
4. Replacement of 12 Post-Dated Checks, if mode Borrower

of payment is thru PDC.
15
480
number and wait for
the number to be
called.

check Loans
2.1 Present the original completeness. Management-
Loans
copies of the
2.1 Verify if borrower is None 30 Minutes Management and
documents for Recovery
authentication. eligible to avail the
(HBC)/Loans
program. Management
2.2 Get the POF that will (HBC)
be issued.
indicate in the
application form
the reason of
disapproval and
return to the
borrower.

and encodes REPT
receipt details and
update changes in
any.

details/status of
application in the
system.

Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)
16
481
2.5 Generate and Issue None 30 Minutes Accounts
borrower Loans
Management-
for payment of
Loans
processing fee. Management and
2.6 Advise the None 15 Minutes Recovery
(HBC)/Loans
borrower to pay the Management
processing fee at (HBC)
Branch Support-
Branch and present
the original copy of
PFOR to Loans
Management-
Loans
Management and
Recovery (HBC)/
Loans
Management
(HBC).
3. Present POF (2 3. Accept payment Processing 30 Minutes Cashier

copies) and pay the based on the POF. Fee -PHP Branch Support-
processing fee at 500 Branch
Branch Support-
Branch once your 3.1 Generate and issue None 30 Minutes
number is called. Pag-IBIG Fund
Official Receipt
3.1 Get the PFOR that (PFOR, 1 copy) to
will be issued upon borrower.
payment.

Management-
encodes PFOR Management and
be issued to Recovery
acknowledge the details.
(HBC)/Loans
receipt of the Management
documents. (HBC)
issue
Acknowledgement
Receipt (AR) to
borrower.
17
482
Approval for Loan Loans
Management-
Term Adjustment
Loans
(NOA, HQP-HLF- Management and
437) and Recovery
Promissory Note (HBC)/Loans
(PN, HQP-HLF- Management
536). (HBC)
4.4 Approve the None 1 Working Day Accounts

Application. Management
Specialist**
Loans
Management-
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)

NOA and PN. Analyst II**
Loans
Management-
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)

number and wait for
the number to be
called.
18
483
Management and
Recovery (HBC)/ 6.1 Explain the None 10 Minutes Accounts
corresponding Management
Loans Management
(HBC) and secure Loans
the following requirements and
Management-
documents once your procedure to be Loans
number is called: undertaken. Management and
- NOA (2 copies) Recovery
- PN (3 copies) 6.2 Explain in detail the None 10 Minutes (HBC)/Loans
- Authority to contents of the Management
Deduct, if documents. (HBC)
applicable
6.3 Advise to sign the None 10 Minutes
NOTES: “conforme” portion
a. The borrower must of the NOA and
sign the “conforme” process the
portion of the NOA. notarization of the
b. The borrower and PN.
spouse, co-borrower
and spouse and
documents:
accommodation
- NOA (2 copies)
mortgagor and spouse
- PN (3 copies)
must sign the PN.
- Authority to
c. The borrower must
Deduct, if
comply with all the
applicable
requirements
indicated in the NOA.

number and wait for
the number to be
called.

check for Loans
8.1 Get the PN (1 copy) completeness. Management-
Loans
and NOA (1 copy).
Management and
8.1 Issue PN (1 copy) None 15 Minutes Recovery
NOTE: If mode of and NOA (1 copy) (HBC)/Loans
payment is Management
19
484
through Post- (HBC)
Dated Checks
(PDCs), submit
PDCs to Branch
Support-Branch.
Proceed to
Citizen’s Charter
on Issuance of
Replacement of
Post-Dated
Checks (PDCs)
by the Borrower.
6 Working
Days, 1 Hour
TOTAL: PHP 500
and 50
Minutes
20
485
8. Receive and Approve Moratorium on Housing Loan (HL) Payments of Borrowers
Affected by Calamities Application
The program on Moratorium on HL Payments allows the housing loan borrowers to suspend his/her
payment on housing loan amortization for a period due to declaration of state of calamity (such as typhoon,
earthquake, armed conflict, etc.) in area where the borrower is residing and/or working.
of Approval (NOA).

Management (HBC)
Office or Division:
Center.
All Pag-IBIG Fund borrower who were affected by calamities and were able
to meet the following eligibility requirements:
 With age not exceeding seventy (70) years old at the end of the loan
term inclusive of the extended period/s due to availment/s;
Who may avail:
 With updated housing loan account, as of the month prior to the
declaration of state of calamity; and
 With housing unit for which the loan was procured is damaged or the
source of income has been impaired by the calamity or its after effects

2. Employer/Barangay Certification Employer/Barangay

whichever is applicable.

486
Management (HBC)

and spouse, owner of title (for accommodation
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.
487
For Representative

2. Employer/Barangay Certification Employer/Barangay/Person being represented

whichever is applicable


Management (HBC)
Represented
For OFW Borrower

original copy)
copy)
- Apostille SPA
488
of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.
489
number and wait for
the number to be
called.

documents once your documents and Management
number is called. check for Specialist**
completeness. Loans
2.1 Present the original Management-
copy of documents Loans
2.1 Evaluate borrower’s None 30 Minutes Management and
for authentication. eligibility. Recovery
2.2 Get the POF that will (HBC)/Loans
2.2 Interview borrower/ None 30 Minutes Management
be issued.
authorized (HBC)
representative to
clarify entries in the
Application Form, if
applicable.
NOTE: If borrower is not

eligible, indicate in
the Application the
reason of
disqualification and
return the
documents.

Payment Order Form
(POF, 2 copies) for
payment of the
insurance premiums
during the
moratorium period or
housing loan
arrearages, if any.
490
to pay the amount
due at Branch
Support-Branch and
present original copy
of PFOR to Loans
Management-Loans
Management and
Recovery (HBC)/
Loans Management
(HBC).
3. Present POF (2 3. Accept the payment None 30 Minutes Cashier

copies) and pay based on the POF. Branch Support-
amount due at Branch
Branch Support- 3.1 Generate and issue None 30 Minutes
Branch once your Pag-IBIG Official
number is called. Fund Receipt (PFOR,
1 copy) to borrower.
3.1 Get the PFOR that
will be issued upon
payment.

copy of PFOR once borrower’s name and Management
your number is called. amount paid is Specialist**
correct. Loans
Management-
be issued to Management and
acknowledge the encodes PFOR
Recovery
receipt of documents. details. (HBC)/Loans
Management
4.2 Accomplish and None 15 Minutes (HBC)
issue
Acknowledgement
Receipt (AR) to
borrower.

Application and Days Management
Approval of Loans
Moratorium on HL Management-
Loans
Amortization (NOA,
Management and
HQP-HLF038, 2 Recovery
491
copies). (HBC)/Loans
Management
(HBC)
4.4 Approve the None 1 Working Day Division Chief III

Application. Loans
Management-
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)

NOA. Specialist**
Loans
Management-
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)

number and wait for
the number to be
called.
6. Return to Loans 6. Perform the following:

Management-Loans
Management and 6.1 Explain the content of None 30 Minutes Accounts
Recovery (HBC)/ the NOA. Management
Loans Management Specialist**
(HBC) and get the 6.2 Issue the following None 30 Minutes Loans
following documents Management-
documents:
Loans
once your number is - Application (1 copy) Management and
called: - NOA (1 copy) Recovery
- Application (1 copy) (HBC)/Loans
- NOA (1 copy) 6.3 Checks if the borrower None 1 Hour Management
has submitted PDCs. (HBC)
492
NOTES:
a. If the borrower’s due
date is within 10
working days, advise
the borrower/
authorized
representative that he
must still deposit the
amount due for that
month and the
payment shall be
applied on the month
of the resumption of
housing loan payment.
b. If the borrower’s due

date is after 10
working days, process
pull out of PDCs.
Processing goes to:
Citizens Charter on
Request of Pull Out
of Post-Dated
Checks (PDCs).
6 Working
Minutes
493
9. Receive and Approve Mortgage/Sales Redemption Insurance (MRI/SRI) Claims
Application
Provider.

Management (HBC)
Office or Division:
Center.
1. Death
time of death.
October 31, 2019)
Who may avail: a. The borrower becomes totally disabled for a continuous period of at
14, 2014.
2019)
494


photocopy)




photocopy)


marriage.
495

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)

496


HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
497

photocopy)




photocopy)


marriage.
Represented

original copy)
498
copy)
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
499


NOTES:
authentication.



photocopy)


photocopy)
500

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
501


HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
502


photocopy)


photocopy)

Represented

original copy)
copy)
10
503
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
11
504


NOTES:
authentication.

Surviving Parent/s

photocopy)


12
505

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)


13
506

HEIR/BENEFICIARY

Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.

Surviving Parent/s
14
507

photocopy)



Represented

original copy)
copy)
Officer
- Apostille SPA
15
508
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)


16
509
NOTES:
authentication.

photocopy)


incompetent) (HQP-PFF-028)(1 original copy)

incapacitated)

photocopy)
17
510


marriage.

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
18
511
any Pag-IBIG Branch
HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
19
512

photocopy)


incompetent) (HQP-PFF-028)(1 original copy)

incapacitated)

photocopy)



marriage.
Represented
20
513
original copy)
copy)
Officer
- Apostille SPA

back-to-back). of the representative and heir/s or
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
21
514

any Pag-IBIG Branch

NOTES:
authentication.


photocopy)

22
515

the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
23
516



HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
- Apostille SPA
NOTES:
authentication.
24
517


photocopy)



Represented

original copy)
copy)
25
518
Officer
- Apostille SPA

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
26
519


NOTES:
authentication.


photocopy)

27
520
sibling/s
(1 photocopy)
photocopy)
copy)
photocopy)
the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
28
521
(DSWD)



HEIR/BENEFICIARY
Represented

original copy)
copy)
Officer
29
522
- Apostille SPA
NOTES:
authentication.


photocopy)


sibling/s
(1 photocopy)
30
523
photocopy)
copy)
photocopy)


original copy)
copy)
Officer
- Apostille SPA

31
524
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)

any Pag-IBIG Branch

NOTES:
32
525
authentication.

INSURANCE CLAIM



any Pag-IBIG Branch


photocopy)


following:
Clearance
e-Card
33
526
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
NOTES:
authentication.
For Representative
1. Duly Accomplished Application for MRI/SRI Pag-IBIG website (www.pagibigfund.gov.ph) or in

Claims (1 original copy) any Pag-IBIG Branch


any Pag-IBIG Branch


photocopy)
34
527



original copy)
copy)
Officer
- Apostille SPA

Clearance
e-Card
35
528
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
NOTES:
authentication.

number and wait for
the number to be
called.
2. Submit the required 2. Ensure that the None 1 Hour Accounts

documents once your borrower is covered Management
number is called. by MRI/SRI at the Analyst II**
time of death or date Loans
2.1 Present the original the injury/sickness Management-
Loans
copies of the was
Management and
documents for sustained/diagnosed Recovery
authentication. as stated in the (HBC)/Loans
Permanent Total Management
Disability Form/ (HBC)
36
529
be issued to Form.
acknowledge the

who is no longer
eligible, inform
to pay for the
accounts and the

who is no longer
housing accounts.
c. Issue Notice of
HLF-531) for non-
eligible borrowers.

completeness and
accuracy of
submitted
documents.

issue
Acknowledgement
Receipt (AR) to
borrower.

requirements.
37
530
details and upload
scanned
documentary
requirements.
of application details Loans
and the documentary Management-
requirements. Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)

accounts for Loans
centralize processing Management-
of claims in the Loans
Management and
system.
Recovery
(HBC)/Loans
Management
(HBC)

for MRI/SRI AMBD
Enrollment/Renewal.

of endorsed AMBD
application for
insurance claims.

together with
scanned
documentary
requirements to
Insurance Broker.

Claim. 38
6 Working
Days, 2 Hours
TOTAL: None
and 15
Minutes
531
10. Receive and Approve Non-Life Insurance Claims Application
non-life insurance claim proceeds shall be first applied to the borrower’s housing loan arrearages. Also,
the borrower may opt to apply the non-life insurance claim proceeds to the housing loan obligation.

Management (HBC)
Office or Division:
Center.
d. Death benefit


532



photocopy)
7. For Fire Claims
following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
533
for authentication.
For Representative




photocopy)
7. For Fire Claims


Represented

original copy)
534
copy)
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
535
for authentication.


(1 original copy)

photocopy) borrower

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
536
(DSWD)
For Representative

(1 original copy)

photocopy) borrower

Represented

copy)
6
537
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.
538

(1 original copy)

etc.) (1 photocopy)

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
539
(DSWD)
for authentication.
For Representative
(1 original copy)


etc.) (1 photocopy)
Represented

copy)
540

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
10
541

(1 original copy)



following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
11
542
(DSWD)
for authentication.
For Representative

(1 original copy)



Represented

original copy)
SPA duly authenticated by a Philippine Philippine Embassy of Host Country/Government
12
543
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
13
544

(1 original copy)
terrorism happened.

photocopy)


following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
14
545
(DSWD)
for authentication.
For Representative

(1 original copy)
terrorism happened.

photocopy)

Represented

copy)
15
546
Officer

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
16
547
and wait for the
2. Report the nature of 2. Ensure that the None 10 Minutes Accounts

claims once your borrower is covered Management
number is called. by Insurance Claims Analyst II**
at the time of loss, Loans
damaged of property Management-
Loans Management
or accident.
and Recovery
2.1 Explain policies and None 10 Minutes (HBC)/Loans
Management
(HBC)
borrower to
accomplish and

access the system,
encode and save
the date of
calamity/loss or
accident and issue
Notice of
Disqualification
(HQP-HLF-531) to
borrower/claimant.
3. Accomplish and submit 3. Ensure that the None 10 Minutes Accounts

the Report of Loss. Report of Loss is Management
properly Analyst II**
NOTE: The borrower must accomplished. Loans
accomplish Management-
Loans Management
Application for 3.1 Issue Application for None 10 Minutes and Recovery
Non-Life Insurance Non-Life Insurance (HBC)/Loans
Claims and Claims based on the Management
complies with the nature of claim/loss (HBC)
documents.
submit the
17
548
accomplished
documentary
requirements.

AMBD

and wait for the
5. Submit required 5. Received required None 1 Hour Accounts

documents based on documents and check Management
the nature of claim/loss for completeness. Analyst II**
or accident once your Loans
number is called. 5.1 Accomplish and issue None 15 Minutes Management-
Acknowledgement Loans Management
Receipt (AR) to the and Recovery
5.1 Present the original (HBC)/Loans
Management
for authentication. (HBC)
requirements.
be issued to
acknowledge the
details and upload
receipt of the
scanned
documents.
documentary
requirements.
of application details Loans
and the documentary Management-
requirements. Loans Management
and Recovery
(HBC)/Loans
Management
(HBC)

the applications for AMBD
of claims.
18
549
Renewal.

of endorsed AMBD
application for
insurance claims.

insurance claims to
Insurance Broker in
the system.

Claim.
5 Working
Days, 6 Hours
TOTAL: None
and 15
Minutes
19
550
11. Release of Interim MRI/SRI Claim Proceeds
 HL Accounting-Loans Management and Recovery (HBC)/HL Accounting

(HBC)
Office or Division:
 Cash and Administrative Services Division-Technical and Admin Support
(CASD-TAS)

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
551
(DSWD)
for authentication.
For Representative

beneficiary

original copy)
copy)
Consular Officer.

552
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

record claim Division Chief III
proceeds. HL Accounting-
Loans
Management and
Recovery (HBC)/
HL Accounting
(HBC)
553
and
Approving
Authority

released and Loans Evaluation-
process Request for Loans Origination
Payment (RFP). (HBC)/Loans
Origination (HBC)
and
Approving
Authority

Voucher (DV)/Check
amount to be
Approving
refunded.
Authority

availability of Check. Branch Support-
Branch

and wait for the

Support-Branch, documents. Controller
submit the required Branch Support-
documents once your Branch
of claimant against
Check that will be 2.2 Request claimant to None 15 Minutes
issued. sign Disbursement
554
Voucher (DV) and
portion of Check
Register.

claimant.
6 Working
Days, 7 Hours
TOTAL: None
and 30
Minutes
555
12. Release of Interim Non-Life Insurance Claim Proceeds

(HBC)
Office or Division:
(CASD-TAS)

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
556
(DSWD)
for authentication.
For Representative

original copy) of borrower/co-borrower. any Pag-IBIG Branch/Person being Represented

original copy)
copy)
Consular Officer.

557
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

record claim Division Chief III
proceeds. HL Accounting-
Loans
Management and
Recovery (HBC)/
HL Accounting
(HBC)
558
process Request for
Payment (RFP). and
Approving
Authority

Voucher (DV)/Check
amount to be
Approving
refunded. Authority

Branch

and wait for the

documents once your 2.1 Validate the identity None 15 Minutes Branch
number is called. of claimant against
2.1 Signs the “Received applicable).
Register and get the 2.2 Request claimant to None 15 Minutes
Check that will be sign Disbursement
issued. Voucher (DV) and
portion of Check
Register.

claimant.
6 Working
Days, 7 Hours
TOTAL:4 None
and 30
Minutes
559
13. Release of MRI/SRI Claim Proceeds
 Computer Operations Task Force (COTF)

(HBC)
Office or Division:
(CASD-TAS)

Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
560
(DSWD)
for authentication.
For Representative

beneficiary.

original copy)
copy)
Consular Officer.

561
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

1. Upon receipt of None 4 Working I.T. Officer I
insurance claims, Days COTF
post claim proceeds.
1.1 Verifies borrower’s None 30 Minutes Accounts

outstanding loan Specialist**/
balance after Division Chief III
applying the HL Accounting-
insurance proceeds Loans
Management and
to housing loan
Recovery (HBC)/
account. HL Accounting
562
1.2 Determine the None 1 Working Day (HBC)
released and and
process Request for
Payment (RFP). Assistant
Department
Manager
HL Accounting-
Loans
Management and
Recovery (HBC)/
HL Accounting
(HBC)

Voucher (DV)/Check
amount to be
Approving
refunded. Authority

Branch

and wait for the

sign Disbursement
Check that will be
Voucher (DV) and
issued.
portion of Check
Register.
claimant.
4
7 Working
TOTAL: None
Days
563
14. Release of Non-Life Insurance Claim Proceeds

(HBC)
Office or Division:  Cash and Administrative Services Division-Technical and Admin Support
(CASD-TAS)

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
564
(DSWD)
for authentication.
For Representative

original copy) of borrower/co-borrower. any Pag-IBIG Branch/Person being Represented

original copy)
copy)
Consular Officer.

565
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.

post claim proceeds. Division Chief III
HL Accounting-
Loans
1.1 Verifies borrower’s None 30 Minutes
Management and
outstanding loan Recovery (HBC)/
balance after HL Accounting
applying the (HBC)
insurance proceeds and
to housing loan
account. Approving
Authority
566
1.2 Determine the None 1 Working Day
released and
process Request for
Payment (RFP).

Voucher (DV)/Check
amount to be
Approving
refunded.
Authority

Branch

and wait for the

Register and get the 2.2 Request claimant to None 15 Minutes
Check that will be sign Disbursement
issued. Voucher (DV) and
portion of Check
Register.

claimant.
7 Working
TOTAL: None
Days
567
15. Request for Inspection of House for Release of Interim Non-Life Insurance Claims

Office or Division:
 Property Valuation Unit (PVU)

and wait for the
2. Submit Letter Request 2. Prepare and endorse None 4 Hours Mortgage Loan
for inspection of house Memo for the request Specialist**
once your number is of house inspection of Loans Servicing-
called. borrower to PVU. Loans Origination
(HBC)/Loans
Origination (HBC)
NOTE: The borrower may
request for
2.1 Encode borrower/ None 30 Minutes Data Encoder
inspection of PVU
claimant account
house thru email
details in the system.
and telephone call.
2.2 Schedules and None 30 Minutes
borrower/claimant
house.
568
I/Property
Report and Property
Appraiser III
supporting
PVU
documents, if
necessary, on the
result of house
the monetary value
and percentage of
completion of the
damaged property.

Report to Loans
Management-Loans
Management and
Recovery (HBC)/
Loans Management
(HBC).
6 Working
7 Hours
569
16. Request for Inspection of House for Release of Non-Life Insurance Claims

Office or Division: Management (HBC)

and wait for the
2. Submit Letter Request 2. Prepare and endorse None 4 Hours Accounts

for inspection of house Memo for the request Management
once your number is of house inspection of Analyst II**
called. borrower to PVU. Loans
Management-
Loans
NOTE: The borrower may
Management and
request for Recovery
inspection of (HBC)/Loans
house thru email Management
and telephone call. (HBC)
2.1 Encode borrower/ None 30 Minutes Data Encoder

claimant account PVU
details in the system.
570
2.2 Schedules and None 30 Minutes
borrower/claimant
house.

I/Property
Report and Property
Appraiser III
supporting
PVU
documents, if
necessary, on the
result of house
the monetary value
and percentage of
completion of the
damaged property.

Report to Loans
Management-Loans
Management and
Recovery (HBC)/
Loans Management
(HBC).
6 Working
7 Hours
571
LOANS ORIGINATION
(NCR)
EXTERNAL SERVICES
572
1. Housing Loan Availment under Prime Developer
This program seeks to achieve the following objectives:
1. To encourage the participation of Developers in providing the needed housing inventory

that can be made available for sale to Pag-lBIG member-buyers via a Pag-lBIG housing
loan.
2. To recognize the performance of Developers in their dealings with Pag-lBIG Fund.
3. To provide encouragement and incentives to Developers to continuously deliver quality

housing loan accounts to the Fund.
This service shall start from the receipt of Housing Loan Application and required documents up to
availability of Check for the release of loan proceeds to the Developer.
Office or Division:  Servicing Department

 Loans Evaluation Department II (LED II)

Who may avail: The program shall be open to Accredited Prime Developers who satisfies
the following requirement:
 Complete Documentation Compliance Ratio (CDCR) - At least
ninety five percent (95%) of the total number of accounts delivered
as of the quarter prior to date of evaluation are properly
documented.
 Unit Specifications Compliance Ratio (USCR) - At least ninety five
percent (95%) of the total number of accounts delivered as of the
quarter prior to date of evaluation has passed inspection.
 Conversion Performance - If applicable, at least ninety five percent
(95%) of accounts taken out under Circular Nos. 259, 287 and 298
that are due for conversion as of the quarter prior to date of
application are already converted. Policy on substantial
compliance and subsequent conditions provided in Item Ill
Subsection 3.1.3. shall likewise apply.
 No accounts overdue for buyback.
 Performing Accounts Ratio (PAR) -At least ninety-five percent
(95%) of the accounts that are taken out in the last 24 months prior
to date of application are not in arrears for more than three (3)
months at point of evaluation.
573
A. HOUSING LOAN APPLICATION
FOR MEMBER-APPLICANT/ BORROWER
1. Duly Accomplished Housing Loan Application Pag-IBIG website (www.pagibigfund.gov.ph) or
(HLA, HQP-HLF-068/069) with recent 1” x 1” in any Pag-IBIG Branch
ID photo of borrower/co-borrower (if
applicable) (2 original copies). Computer
generated or photocopied picture is not
acceptable.
employees of an authorization letter allowing
said employer to disclose employment
information to Pag-IBIG Fund, the member-
applicant shall execute a letter in the format
being required by his/her employer.
2. Proof of Income
b. Latest Income Tax Return (ITR) for the Employer
year immediately preceding the date of
loan application, with attached BIR Form
No. 2316, duly acknowledged by the BIR or
photocopy)
signatory of the employer (1 certified true
copy)
NOTE: For government employees who
will be paying their loan amortization
copy of One (1) Month Payslip, within
574
mentioned above.

1701) duly certified by BIR, Audited of Trade and Industry (DTI)/ Municipal’s Office/
photocopy) and sketch of business location
b. Commission Voucher (1 photocopy) or Employer/Business Owner/Source of

Certification of commission received (1 Commissions

over printed name of depositor and details
of credit investigator from Pag-IBIG Fund)

ownership or rights over the property
subject of lease (if income is derived from
rental payments) (1 photocopy)

(LGU for tricycles, LTFRB for other PUVs, Board (LTFRB)/Transportation Association/
575
issued by owner of business/person Owner Authorized to Certify
availing of the services (1 original copy) Micro-entrepreneurs Barangay Captain or
Barangay Secretary,
Barangay Captain
Fishery Reform (DAR)/
Department of
Environment and
Natural Resources
(DENR)/ Department of
Agriculture (DA)/ Local
Government Unit (LGU)/
Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Other Community, Business Owner/
Social and Personal Person availing of the
Service Activities service, duly certified by
Barangay Captain or
Barangay Secretary,
Barangay Captain
months).
576

the following:
within the past 12 Months
 Employment Contract between employee Borrower/POEA/ Philippine Consular Office at
and employer (1 photocopy); or Host Country/MSO at Pag-IBIG Overseas Post
 POEA Standard Contract (1 photocopy) Borrower/POEA/ Philippine Consular Office at
Host Country/MSO at Pag-IBIG Overseas Post
b. Certificate of Employment and

Compensation (CEC) within the past 12
months


 Payslip indicating income received and Employer

 Valid OWWA Membership Certificate (1 Overseas Workers Welfare Administration
photocopy) (OWWA)
 Overseas Employment Certificate (1 Philippine Overseas Employment Administration
 Passport with appropriate visa (Working Host country/Government
Visa) (1 photocopy)
 Residence card/permit (permit to stay Host country/Government
photocopy)
 Bank remittance record (1 original copy) Member-Applicant/ Borrower

577
back-to-back) of borrower and spouse and co-
borrower and spouse, if applicable. The same
ID must be presented during the conduct of
borrower’s validation. Any of the following:
- Professional Regulation Commission Professional Regulation Commission (PRC)
(PRC) ID
Clearance
(GSIS) e-Card
- Senior Citizen Card Local Government Unit (LGU)/ Office of Senior
(OWWA) ID (OWWA)
(POEA)
- National Council for the Welfare of National Council on Disability Affairs (NCDA)/
Disabled Persons (NCWPD) Certification Department of Social Welfare and Development
(DSWD)
- Government Office and GOCC ID (e.g. Government Office/Government-Owned and
AFP ID, Pag-IBIG Loyalty Card) Controlled Corporation (GOCC)
4. In case of discrepancy in personal details of Principal Borrower and Spouse, Co-Borrower

the Principal Borrower and Spouse, Co- and Spouse, Seller/s and Spouse/s
Borrower and Spouse, Seller/s and Spouse/s
(e.g. name, date of birth), Notarized Affidavit of
Two Disinterested Person (1 original copy and
1 photocopy)
578
 Health Statement Form (Medical Pag-IBIG Branch
 For borrowers over 60 years old
 For borrowers up to 60 years old, if loan
is over P2.0M to P6.0M
 Health Statement Form (Medical Pag-IBIG Branch and Medical Hospital

Questionnaire) (1 original copy) and Copy
photocopy)
6. Authority to Deduct Loan Amortization (HQP- Pag-IBIG Branch

HLF-124/634) (1 original copy) for employees
with existing CSA
7. If with outstanding Housing Account with Pag-IBIG Branch

Pag-IBIG Fund
multiple housing in Pag-IBIG Fund. (1
original copy)
THRU REPRESENTATIVE/ ATTORNEY-IN-
FACT
(HLA, HQP-HLF-068/069) with recent 1” x 1 ID in any Pag-IBIG Branch
photo of borrower/co-borrower (if applicable) (2
original copies). Computer generated or
photocopied picture is not acceptable.
579
2. Proof of Income

immediately preceding the date of loan `
photocopy)

copy).
the last three (3) months prior to date of
loan application, must be submitted
together with CEC or ITR as mentioned
above.


580


subject of lease (1 photocopy) (if income is
derived from rental payments)


issued by owner of business/person Micro-entrepreneurs Barangay Captain or
availing of the services (1 original copy) Barangay Secretary,
Barangay Captain
Department of
Environment and
Natural Resources
Government Unit
(LGU)/ Land Owner/
Barangay Captain or
Barangay Secretary,
581
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Service Activities service, duly certified
Barangay Secretary,
Barangay Captain
months).
document mentioned above

the following:

and employer (1 photocopy); or Host Country or MSO at Pag-IBIG Overseas
Post
 POEA Standard Contract (1 photocopy) Borrower/POEA/Philippine Consular Office at
Host Country or MSO at Pag-IBIG Overseas
Post
10
582
months


photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)
- Bank remittance record (1 original copy) Member-Applicant/ Borrower


borrower and spouse, and Attorney-In-Fact, if
applicable. The same ID must be presented
during the conduct of borrower’s validation.
ID
Clearance
11
583
(GSIS) e-Card
Senior Citizen Card Local Government Unit (LGU)/ Office of Senior
(OWWA) ID (OWWA)
(POEA)
(DSWD)

1 photocopy)
photocopy)
12
584
6. Special Power of Attorney (SPA) of the Pag-IBIG website (www.pagibigfund.gov.ph) or
borrower/s and spouse (1 original copy and 1 in any Pag-IBIG Branch/Person being
photocopy) represented
For OFW members
 Special Power of Attorney (SPA) notarized Person being Represented
prior to date of departure with copy of
passport with entry date of arrival and
departure (1 original copy and 1
photocopy)
 For documents executed abroad (1
 For Non-Apostille Countries Philippine Embassy of Host Country/
 SPA authenticated by a Philippine Government
Consular Officer, or SPA notarized
by a local notary (of the country
duly authenticated by the Philippine
Consulate
 For Apostille Countries Philippine Embassy of Host Country/
 Apostille SPA Government
with existing CSA

Pag-IBIG Fund
original copy)
FOR DEVELOPER
1. Developer-Assisted Online Housing Loan Pag-IBIG website (www.pagibigfund.gov.ph) or
Application Summary (HQP-HLF-351) (2 in any Pag-IBIG Branch/ Developer
original copy) or Softcopy of Borrower’s Profile
13
585
2. (Original Owner’s Duplicate Copy) Latest Developer /Registry of Deeds (RD)/Land
Transfer Certificate of Title (TCT) with Deed of Registration Authority (LRA)
Assignment of CTS with SPA (With Buyer’s
Conformity) duly annotated thereon /
Condominium Certificate of Title (CCT) with
Deed of Assignment of CTS with SPA (With
Buyer’s Conformity) duly annotated thereon in
the name of the developer or land Owner, (in
case of Joint Venture), subject to the following:
 In case of Lot
a. With minimum lot area of 28 square
meters
b. With access road, minimum width of 1.5
meters
c. Minimum lot width frontage of 3.5 meters
 In case of Condominium Unit, with minimum
floor area of 18 square meters. If less than
the 18 square meters, submit Single
Occupancy Permit from HLURB
 Must be free from liens and encumbrances
3. (Certified True Copy) Latest Transfer Certificate Developer /Registry of Deeds (RD)/Land
of Title (TCT)/ Condominium Certificate of Title Registration Authority (LRA)
(CCT) (RD’s copy)
4. Updated Tax Declaration on land in the name of Assessor’s Office/Municipal’s Office/Local

Developer or land owner, in case of joint Government Unit (LGU)
Venture (1 photocopy)
5. Notarized Developer’s Sworn Certification Pag-IBIG Branch

(HQP-HLF-062) (1 original copy and 1
photocopy)
6. Updated Tax Declaration on improvements in Assessor’s Office/Municipal’s Office/Local

the name of Developer (1 photocopy) Government Unit (LGU)
7. Updated Real Estate Tax Receipt/s as of the Assessor’s Office/Municipal’s Office/Local

quarter immediately preceding the date of Government Unit (LGU)
application (2 photocopies)
8. Pag-IBIG Fund Official Receipt for payment of Pag-IBIG Branch

Processing Fee (1 photocopy)
9. Certificate Authorizing Registration (1 original Bureau of Internal Revenue (BIR)

copy)
14
586
10. Loan Mortgage Documents
 Notarized Borrower’s Conformity (HQP- Pag-IBIG Branch
HLF-108) (1 original copy)
 Deed of Absolute Sale executed by Pag-IBIG Branch
Developer in favor of Pag-IBIG Fund or the
borrower as the case may be (HQP-HLF-
236/237) (6 original copies)
 Deed of Conditional Sale (HQP-HLF- Pag-IBIG Branch
234/235) between Pag-IBIG Fund and the
borrower, if TCT/CCT is still under the name
of the Pag-IBIG Fund or Loan and Mortgage
Agreement if TCT/CCT is under the name of
the borrower (HQP-HLF-162/163) (6 original
copies)
 Duly accomplished/Notarized Promissory Pag-IBIG Branch
Note (HQP-HLF-086/087) (3 original copies)
 Pre-signed Disclosure Statement on Loan Pag-IBIG Branch
Transaction (HQP-HLF-085) (2 original
copies)
11. Occupancy Permit (1 photocopy) Assessor’s Office/Municipal’s Office/LGU
12. Notarized Certificate of Acceptance (HQP- Pag-IBIG Branch
13. Transfer Tax Receipt for Lot and Building (1 Assessor’s Office/Municipal’s Office/Local
photocopy) Government Unit (LGU)
B. CHECK RELEASING REQUIREMENTS
1. Authorization letter for the Representative/ Developer
Secretary Certificate (1 original copy)
2. Official Receipt issued by the Developer/ Developer/ Issuing Bank

Company/Bank or Validated deposit slip (1
original copy)
3. Two (2) valid IDs of the Authorized

Representative (1 photocopy each, back-to-
(PRC) ID
15
587
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
4. If mode of payment is thru PDC, 12 Post- Borrower/Co-Borrower/Spouse

Dated Checks (PDCs).

number and wait for
the number to be
called.
16
588
2. Submit the required 2. Receive the required None 15 Minutes Mortgage Loans
documents once your documents and Specialist**
number is called. check for Servicing
completeness. Department
2.1 Present the original 2.1 Conduct None 30 Minutes

copies of the Membership Status
documents for Verification.
authentication.
2.2 Get the POF that will 2.2 Generate and issue None 15 Minutes
be issued. Payment Order
Form (POF, 2
copies) for the
payment of
processing fee and
lump sum payment
of monthly savings
(MS), if applicable.
2.3 Advise to pay the None 15 Minutes

required fees at
LSSD and submit
the photocopy of
PFOR to Servicing
Department.
3. Present POF and pay 3. Accept the payment Processing 30 Minutes Cashier
the required fees at based on the POF. Fee – PHP LSSD
LSSD once your 1,000
number is called. 3.1 Generate and issue 30 Minutes
Pag-IBIG Fund
will be issued upon (PFOR).
payment.
4. Photocopy the 4. Receive the PFOR None 15 Minutes Mortgage Loans

Servicing Servicing
Department. 4.1 Ensure that the None 15 Minutes Department
member-
4.1 Submit the PFOR applicant’s/
(photocopy) once borrower’s name
your number is and amount paid is
called. correct.
17
589
4.2 Present the original 4.2 Accomplish and None 15 Minutes
copy of the PFOR for issue HLA
authentication. Acknowledgement
Receipt.
4.3 Get the HLA 4.3 Upload the softcopy None 1 Working Day Data Encoder III**
Acknowledgment of borrower’s profile Servicing
Receipt that will be in the system. Department
issued to
acknowledge the NOTE: The conduct of 7 Working
receipt of the Credit Investigation, Days
documents. borrower’s
validation and
inspection of
property shall be
done
simultaneously.
4.4 Conduct Credit None Credit Investigator

Investigation and III**
process the signing Servicing
of Credit Department
Investigation Report
(HQP-HLF-075).
4.5 Conduct Borrower’s None Credit Investigator

Validation and III**
process signing of Servicing
Borrower’s Department
Validation Sheet
or
(BVS).
NOTES: Pag-IBIG Fund
a. The developer shall Employee/
coordinate and Frontline Service
Provider
advise the member-
applicant/ borrower
on scheduled date
of validation
b. Member-applicant/
borrower shall
perform the
following:
 Present one (1)
valid ID to Credit
18
590
Investigator III
during the
conduct of
Borrower’s
Validation
 Sign the
Borrower’s
Validation (BVS,
HQP-HLF-058)
and submit valid
ID (photocopy)
4.6 Conduct Technical None Property Appraiser

Inspection and II/ Project
process the signing Development
of Confirmation of Officer III/
Appraisal (HQP- Project Evaluation
Officer III
HLF-079).
NOTES:
a. Inform the developer
on the scheduled
date of technical
inspection of
property.
b. Request the
developer to sign the
of the Validation
Report (HQP-HLF-
158).
4.7 Evaluate/review None 5 Working Mortgage Loans

housing loan Days Specialist**
application. LED II
4.8 Approve/ None 3 Working Approving

Disapprove Housing Days Authority
Loan Application.
19
591
4.9 Inform the developer None 1 Hour Data Encoder III**
and member- Servicing
applicant/ borrower Department
on the approval/
disapproval of
housing loan
application.
NOTE: A Notice of
Approval/ Notice
of Disapproval
shall be issued to
the developer.
4.10 Process Request None 1 Working Day Data Encoder III**

for Payment. and 4 Hours LED II
and
Approving
Authority

Disbursement And 4 Hours LSSD
Voucher/ Check.
and
Approving
Authority
4.12 Inform the None 1 Hour Check Release

developer on the Controller
Check.

number and wait for
the number to be
called.
6. Return to LSSD, 6. Receive the required None 1 Hour Check Release

documents once LSSD
your number is 6.1 Validate identity of None
called. claimant against
20
592
6.1 Sign the “Received valid ID and SPA (if
Register and secure
the Check that will 6.2 Request to sign DV None
be issued. and on “Received
NOTE: Make sure to Register.
submit the Official
Receipt (OR) 6.3 Issue Check. None
representing receipt
of loan proceeds.
20 Working
TOTAL: PHP1,000 Days
OTHER FEES AND CHARGES
PHP2,000 - Processing fee to be deducted from the loan proceeds upon

takeout
PHP1,000 - Appraisal fee to be deducted from the loan proceeds upon

takeout
PHP2,000 - To be charged as Handling Fee per additional Check issued

for split payment of loan proceeds.
21
593
2. Housing Loan Availment under Window 1 Accounts
This housing loan program grants opportunities to Pag-IBIG Fund members to avail of housing loans
to finance any one or a combination of the following:
 Purchase of a fully developed residential lot or adjoining residential lots not exceeding 1,000
square meters;
 Purchase of a residential house and lot, townhouse or condominium unit, inclusive of a parking
slot, which may be:
- Old or brand new;

- Adjoining houses and lots/ townhouse/ row houses/ condominium units.
The subdivision project where said residential units are located must have complied with all the
required facilities pursuant to PD No. 957 and BP No. 220.
 Combination of loan purposes plus cost of transfer of title, which shall not be limited to the
following:
- Purchase of residential unit and transfer of title in favor of the borrower;

- Purchase of residential lot and transfer of title in favor of the borrower.


requirement:
1
594
- A non-member who wishes to apply for a housing loan program may
be allowed to do so; provided, he remits the required 24 monthly
savings based on the mandatory rate in lump sum, inclusive of the
EE and ER counterparts. Said lump sum amount shall be considered
a single remittance for the applicable month as of the payment date.
more than seventy (70) years old at maturity;
 Has no outstanding Pag-IBIG short-term loan in arrears at the time of
application. A member whose STL is in arrears shall be required to
update his account; and
 Had no Pag-IBIG housing account that was foreclosed, cancelled,
bought back due to default, or subjected to dacion en pago, which shall
include cases where the borrower is no longer interested to pursue his
housing account and surrenders the property.

acceptable.
2. Proof of Income
the authorized signatory of the employer
595

photocopy)

copy)
will be paying their loan
amortization through salary
deduction, the original copy of One
(1) Month Payslip, within the last
three (3) months prior to date of
loan application, must be
submitted together with CEC or
ITR as mentioned above.



596

(LGU for tricycles, LTFRB for other PUVs, Board (LTFRB)/ Maritime Industry Authority

Barangay Secretary,
Barangay Captain
Department of
Environment and
Natural Resources
Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
597
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain

months).

the following:

months

598
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)


(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
599
(DSWD)

1 photocopy)

photocopy)

with existing CSA and in case that payment is
through salary deduction

Pag-IBIG Fund
600
original copy)
FACT
(HLA, HQP-HLF-068/069) with recent 1” x 1” ID in any Pag-IBIG Branch
Fund, the member-applicant shall
execute a letter in the format being
required by his/her employer.
2. Proof of Income

photocopy)
601
copy).
copy of One (1) Month Payslip,
within the last three (3) months prior
to date of loan application, must be
as mentioned above.




602

Barangay Captain
Department of
Environment and
Natural Resources
Government Unit
(LGU)/ Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
by Barangay Captain
or Barangay Secretary,
Barangay Captain
by Barangay Captain
Barangay Captain
by Barangay Captain
Barangay Captain
10
603
months).

the following:
Post
Post

months



photocopy) (OWWA)
11
604
Visa) (1 photocopy)
photocopy)


borrower and spouse and Attorney-in-fact, if
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
12
605

1 photocopy)

photocopy)

For OFW members

- SPA authenticated by a Philippine Government
Consulate
13
606
- Apostille SPA Government

Pag-IBIG Fund
original copy)
FOR DEVELOPER
1. Original Owner’s Duplicate Copy of Latest Developer/ Registry of Deeds (RD)/ Land
Conformity) duly annotated thereon/
 In case of Lot
a. With minimum lot are of 28 square
meters
meters
c. Minimum lot width frontage of 3.5
meters
 In case of Condominium Unit, with
minimum floor area of 18 square meters. If
less than the 18 square meters, submit
Single Occupancy Permit from HLURB
2. One (1) Certified True Copy of Latest Transfer Developer /Registry of Deeds (RD)/Land
Certificate of Title (TCT)/ Condominium Registration Authority (LRA)
Certificate of Title (CCT)
14
607
3. Updated Tax Declaration (House/s and Lot/s) Assessor’s Office/Municipal’s Office/Local
classified as residential and Updated Real Government Unit (LGU)
Estate Tax Receipt/s as of the quarter
immediately preceding the date of application (2
photocopies)

5. Mortgage Documents
a. Notarized Deed of Assignment of CTS with Pag-IBIG Branch
SPA (With Buyer’s Conformity) duly
registered with Registry of Deeds and
bearing the original RD stamp (HQP-HLF-
b. Contract-to-Sell (HQP-HLF-161) (2 original Pag-IBIG Branch
copies)
c. Duly accomplished/Notarized Promissory Pag-IBIG Branch
Note (HQP-HLF-086/087) (3 original
copies)
d. Pre-signed Deed of Absolute Sale (HQP- Pag-IBIG Branch
HLF-525) (6 original copies)/ Pre-signed
Deed of Absolute Sale (HQP-HLF-278) (6
original copies) for developers with Joint
Venture Agreement/Special Power of
Attorney
e. Pre-signed Disclosure Statement on Loan Pag-IBIG Branch
copies)
f. Pre-signed Loan and Mortgage Agreement Pag-IBIG Branch
(HQP-HLF-162/163) (7 original copies)
6. Preliminary/Updated Appraisal Report (1 Pag-IBIG Branch

photocopy)
8. Notarized Developer’s Sworn Certification Pag-IBIG Website (www.pagibigfund.gov.ph) or

(HQP-HLF-062) (1 original copy and 1 in any Pag-IBIG branch
photocopy)

15
608

original copy)

(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
16
609
4. If mode of payment is thru PDC, 12 Post- Issuing Bank
Dated Checks (PDCs)
number and wait for
the number to be
called.

authentication.
Form (POF, 2
copies) for the
payment of
processing fee and
lump sum payment
of monthly savings

required fees at
LSSD and submit
the photocopy of
PFOR to Servicing
Department.
the required fees at based on the POF. Fee – PHP LSSD
LSSD once your 1,000
number is called.
17
610
3.1 Generate and issue 30 Minutes
3.1 Get the PFOR that Pag-IBIG Fund
will be issued upon Official Receipt
payment. (PFOR).

Servicing Servicing
member-
called. correct.

Receipt.
Acknowledgment of borrower’s profile Servicing
Receipt that will be in the system. Department
issued to
acknowledge the NOTE: The conduct 7 Working
receipt of the of Credit Days
documents. Investigation,
borrower’s validation
and inspection of
property shall be
done
simultaneously.

(HQP-HLF-075).
18
611
process signing of Servicing
Borrower’s Department
Validation Sheet
or
(BVS).

Employee/
a. The developer shall Frontline Service
coordinate and Provider
advise the member-
applicant/ borrower
on scheduled date
of validation
borrower shall
perform the
following:
- Present one (1)
valid ID to Credit
Investigator III
during the
conduct of
Borrower’s
Validation.
- Sign the
Borrower’s
Validation (BVS,
HQP-HLF-058)
and submit valid
ID (photocopy).

Project Evaluation
Appraisal (HQP-
Officer III
HLF-079). PVD
19
612
NOTES:
on the scheduled
date of technical
inspection of
property.
b. Request the
of the Validation
Report (HQP-HLF-
158).

application. LED II

Loan Application.

and member- Servicing
applicant/ borrower Department
on the approval/
disapproval of
housing loan
application.
4.10 Process Request None 1 Working Day Data Encoder III**

for Payment. And 4 Hours LED II
and
Approving
Authority
Disbursement And 4 Hours LSSD
Voucher/ Check. and
Approving
Authority

Check.
20
613
number and wait for
the number to be
called.
6. Return to LSSD, 6. Receive the required None 1 Hour Check Release

documents once LSSD
your number is 6.1 Validate identity of None
6.1 Sign the “Received applicable).
Register and secure 6.2 Request to sign DV None
the Check that will and on “Received
be issued. by” portion of Check
Register.
NOTE: Make sure to
submit the Official 6.3 Issue Check. None
Receipt (OR)
of loan proceeds.
20 Working

takeout

takeout

21
614
3. Initial/Final Release of Loan Proceeds to the Borrower/Seller under Retail
Accounts
This program shall be done if the borrowers complied with the requirements indicated in the Notice
of Approval.
This service shall start from the receipt of complied documents as stated in the Notice of Approval up
to availability of Check for initial/final release of loan proceeds to the borrower/seller.

 Loans Evaluation Department I (LED I)
Center
Who may avail: This program is open to all borrowers who complied with the requirements
indicated in the Notice of Approval.
A. REQUIREMENTS PRIOR TO LOAN RELEASE
FOR PURCHASE OF LOT/ RESIDENTIAL UNIT
FOR PURCHASE OF LOT/RESIDENTIAL UNIT WITH TRANSFER COST
1. One (1) Original Owner’s Duplicate Copy of TCT/ Registry of Deeds
CCT in the name of the borrower/co-borrower/s
(if applicable) free of any lien or encumbrances,
except for the proper mortgage annotation in
favor of Pag-IBIG Fund
- In case of discrepancy in name and other
personal circumstances of owner/s or errors in
technical description, registration of judicial
correction or annotation of affidavit of
correction
2. One (1) Certified True Copy of TCT/CCT in the Registry of Deeds

name of the borrower/co-borrower/s (if
applicable) free of any lien or encumbrances
favor of Pag-IBIG Fund (RD’s copy)
correction
3. Updated Tax Declaration (House/s and Lot/s) Assessor’s Office/ Municipal’s Office/ Local
classified as residential and Updated Real Estate Government Unit (LGU)
Tax Receipt/s in the name of borrower and co-
borrower/s as of the quarter immediately
1
615
preceding the date of submission of documents in
compliance to Notice of Approval (2 photocopies)
a. Deed of Absolute Sale duly registered with Member-Applicant/ Borrower
Registry of Deeds with Original RD Stamp (1
original copy or RD’s Certified True Copy)
b. Loan and Mortgage Agreement duly Pag-IBIG Branch
registered with Registry of Deeds with Original
RD stamp (HQP-HLF-162/163/632/633) (3
original copies)
c. Duly accomplished/notarized Promissory Note Pag-IBIG Branch
d. Disclosure Statement on Loan Transaction Pag-IBIG Branch
with conformity of the borrower (HQP-HLF-
085) (1 original copy)
e. Notice of Approval with conformity of the Pag-IBIG Branch
borrower (HQP-HLF-401/403) (1 original
copy)
f. Letter of Guaranty with conformity of the seller Pag-IBIG Branch
(HQP-HLF-352/354, 1 original copy)
5. Surety bond (for properties that are subject to the Insurance Company
lien imposed by unexpired period of Section 4
Rule 74 of the Rules of Court (1 original copy)

HLF-124/634) (1 original copy) for employers with
existing CSA and in case that payment is through
salary deduction
FOR HOUSE CONSTRUCTION/HOME IMPROVEMENT
or a relative of the borrowers (in case of
accommodation mortgage) free of any lien or
encumbrances, except for the proper mortgage
annotation in favor of Pag-IBIG Fund
correction

name of the borrower/co-borrower/s or a relative
of the borrowers (in case of accommodation
mortgage) free of any lien or encumbrances
2
616
favor of Pag-IBIG Fund (RD’s copy) (1 original
copy)
- In case of discrepancy in name and other Registry of Deeds
correction
borrower/s or lot owner (for accommodation
mortgage) as of the quarter immediately
a. Loan and Mortgage Agreement duly registered Pag-IBIG Branch
with Registry of Deeds with Original RD stamp
(HQP-HLF-162/163/632/633) (3 original
copies)
b. Duly accomplished/notarized Promissory Note Pag-IBIG Branch
c. Disclosure Statement on Loan Transaction Pag-IBIG Branch
with borrower’s conformity (HQP-HLF-085, 1
original copy)
d. Notice of Approval with borrower’s conformity Pag-IBIG Branch
(HQP-HLF-400, 1 original copy)
5. Building Plans and Building, Sanitary/Plumbing, Municipal’s Office/LGU

Electrical Permits duly approved by the building
officials (1 original copy)
lien imposed by Section 4 Rule 74 of the Rules of
Court) (1 original copy)
salary deduction
8. For interim releases except for initial and final Member-Applicant/ Borrower
loan release/s, pictures of the actual construction
FOR PURCHASE OF LOT WITH HOUSE CONSTRUCTION/
PURCHASE OF RESIDENTIAL UNIT WITH HOME IMPROVEMENT
FOR PURCHASE OF LOT WITH HOUSE CONSTRUCTION AND TRANSFER OF TITLE/
PURCHASE OF RESIDENTIAL UNIT WITH HOME IMPROVEMENT AND TRANSFER OF TITLE
3
617
correction
correction
3. Updated Tax Declaration (House/s and Lot/s) Assessor’s Office/ Municipal’s Office/LGU
classified as residential and Updated Real Estate
a. Deed of Absolute Sale duly registered with Member-Applicant/Borrower
registered with Registry of Deeds with
Original RD stamp (HQP-HLF-
162/163/632/633) (3 original copies)
c. Duly accomplished/notarized Promissory Pag-IBIG Branch
copy)
f. Letter of Guaranty with conformity of the Pag-IBIG Branch
seller (HQP-HLF-352/354) (1 original copy)
g. Surety bond (for properties that are subject to Insurance Company
the lien imposed by Section 4 Rule 74 of the
Rules of Court (1 original copy)
4
618
5. Occupancy Permit (1 photocopy) Municipal’s Office/LGU


FOR REFINANCING
correction
mortgage) as of the quarter immediately preceding
the date of submission of documents in

with Registry of Deeds with original RD stamp
(HQP-HLF-162/163/632/633) (3 original copies)
c. Disclosure Statement on Loan Transaction with Pag-IBIG Branch
conformity of the borrower (HQP-HLF-085) (1
original copy)
d. Notice of Approval with conformity of the Pag-IBIG Branch
borrower (HQP-HLF-405, 1 original copy)
e. Letter of Guaranty with conformity of the Pag-IBIG Branch
originating financial institution (HQP-HLF-107,
1 original copy)
5
619
4. Updated Statement of Account indicating the Issuing Bank
Loan Purpose, Original Loan Amount and
Outstanding Loan Balance duly signed by the
Manager or the account officer (1 original copy)
salary deduction
FOR REFINANCING WITH HOUSE CONSTRUCTION/ HOME IMPROVEMENT
correction

correction
3. Updated Tax Declaration (House/s and Lot/s) Assessor’s Office/Municipal’s Office/ Local
Tax Receipt/s in the name of borrower/co-
6
620
a. Loan and Mortgage Agreement duly Pag-IBIG Branch
registered with Registry of Deeds with original
RD stamp (HQP-HLF-162/163/632/633) (3
original copies)
b. Duly accomplished/notarized Promissory Pag-IBIG Branch
085, 1 original copy)
originating financial institution (HQP-HLF-


salary deduction
8. Occupancy Permit (1 original copy) Municipal’s Office/LGU

10. For interim releases except for initial and final Member-applicant/ Borrower
FOR MEMBER-APPLICANT/
BORROWER/SELLER
1. Two (2) valid IDs of the Payee/s (1 photocopy
each, back-to-back). Any of the following:
- Driver’s License Land Transportation Office (LTO/host country)
ID
7
621
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
- Overseas Filipino Worker (OFW) ID Philippine Overseas Employment
Administration (POEA)
- Government Office and GOCC ID (e.g. AFP Department of Social Welfare and
ID, Pag-IBIG Loyalty Card) Development (DSWD)
2. If mode of payment is thru PDC, 12 Post-Dated Borrower/Co-Borrower/Spouse

Checks (PDCs). For loan purposes which include
house construction or home improvement,
issuance of PDCs is upon loan take-out.
1. Two (2) valid IDs of Payee/Representative/
Attorney-in-Fact (1 photocopy each, back-to-
back)
ID
Clearance
(GSIS) e-Card
8
622
(OWWA) ID (OWWA)

executed by Payee (1 original, 1 photocopy) in any Pag-IBIG Branch/ Person being
Represented
For OFW Members
 SPA notarized prior to date of departure with Person being represented
photocopy)
copy, 1 photocopy)
- SPA duly authenticated by a Philippine Government
authenticated by a Philippine
Consulate.

THRU DEVELOPER’S NAME/ COMPANY’S NAME/
BANK’S NAME
9
623
2. Official Receipt issued by the Developer/ Developer/Issuing Bank
Company/ Bank or Validated deposit slip (1
original copy)
3. Two (2) valid IDs of Authorized Representative (1
photocopy each, back-to-back). Any of the
following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
Information Officer number for the Office
number and wait for
the number to be
called.
10
624
2.1 Get the 2.1 Check if with existing None 25 Minutes
Acknowledgement housing account,
Receipt for NOA ensure that the
Compliance that will account is updated.
be issued.
NOTE: In case with
NOTE: If the existing arrearages, inform
housing account is the member-
in arrears, make applicant/ borrower to
sure to pay the pay the arrearages at
arrearages at LSSD LSSD for the account
and submit the to be updated.
photocopy of PFOR
at Servicing 2.2 Accomplish and None 15 Minutes
Department issue
Acknowledgement
Receipt for NOA
Compliance.
2.3 Check and review the None 3 Working Mortgage Loans

documents submitted Days and 3 Specialist**
in compliance with Hours LED I
NOA.
2.4 Process Request for 1 Working Day Data Encoder

Payment. and 4 Hours III**
LED I
and
Approving
Authority
Loans
Origination
Group (LOG)

Voucher/Check. And
Approving
Authority
LOG and LSSD

borrower/seller on Controller**
the availability of LSSD
Check.
11
625
and get a queue desired transaction
number and wait for
the number to be
called.

documents once LSSD
your number is 4.1 Validate identity of None 15 Minutes
4.1 Sign the “Received applicable).
Register and secure
the Check that will be
issued.
4.2 Request to sign DV None 10 Minutes
NOTE: If the payee is and on “Received
a developer/juridical by” portion of Check
entity/association, Register.
make sure to submit
the Official Receipt 4.3 Issue Check. None 15 Minutes
(OR) representing
receipt of loan
proceeds.
7 Working
TOTAL: None
Days
**The said functions may also be assigned to other personnel (i.e. Agency-Hired Contractual, Job Orders etc.)

takeout
12
626
4. Process Request for Inspection of Property (For accounts with House
Construction/ Home Improvement)
The borrower shall request for the inspection of the property to process the subsequent/final release
of the loan proceeds. It shall be released provided that the other existing Pag-IBIG housing account
of the borrower is still updated. The loan release shall be in accordance with the progress of
construction/improvement work.
This service shall start from the receipt of letter request for inspection up to availability of
Construction Progress Report/Final Appraiser’s Statement.

Who may avail: This program is open to all borrowers with any of the following loan
purposes:
 Purchase of Lot with House Construction
 Purchase of Residential with Home Improvement
 Refinancing with House Construction/Home Improvement

A. REQUIREMENTS PRIOR TO STAGGERED LOAN RELEASE
FOR PURCHASE OF LOT WITH HOUSE CONSTRUCTION
FOR PURCHASE OF RESIDENTIAL UNIT WITH HOME IMPROVEMENT
1. Letter Request for inspection Member-Applicant/ Borrower
2. Pictures of the actual construction Member-Applicant/ Borrower

1. Submit Letter request 1. Receive Letter request None 4 Hours Mortgage Loans
for inspection and for inspection and Specialist**
pictures of actual endorse to PVD. Servicing
construction. Department
NOTE: The borrower may 1.1 Conduct technical None 5 Working Property
request for inspection inspection. Days Appraiser II/
of property thru email Project
and telephone call. Development
Officer III/
Project
Evaluation
Officer III
PVD
627
NOTES:
a. Inform the member-
applicant/borrower on
technical inspection of
property.
a.1. in case of cancelled

inspection due to
force majeure (i.e.
typhoon, flood,
etc.), inform the
member-applicant
1.2 Generate and None 1 Working Day Property

facilitate the signing Appraiser II/
Project
of Construction Development
Progress Report Officer III/
(CPR, HQP-HLF-473) Project
and endorse to Evaluation
Officer III
Servicing PVD
Department. Proceed
to the Citizens
Charter for
Subsequent Release
of Loan Proceeds to
the Borrower for
accounts with
House Construction/
Home Improvement.
If the house
construction or home
improvement is 90%
completed, generate
and facilitate the
signing of Final
Appraiser’s Statement
(FAS, HQP-HLF-418)
and endorse to
Servicing Department.
2
628
Proceed to the
Citizens Charter for
Initial/Final Release
of Loan Proceeds to
the Borrower/Seller
under Retail
Accounts
1.3 Endorse CPR/FAS to None 4 Hours Mortgage Loans

LED I. Specialist**
Servicing
Department
None 7 Working
TOTAL:
Days
PHP1,000 - For every inspection in excess of four (4) inspections for accounts
with staggered releases (e.g. home improvement and house
construction), to be deducted from the final loan release.
3
629
5. Receive and Approve/Disapprove Housing Loan Application under Regular
Developer

loan.

availability of Notice of Approval/Notice of Disapproval and Loan Documents.

Who may avail: The program shall be open to Accredited Regular Developers who satisfies
 Complete Documentation Compliance Ratio (CDCR, previously
known as Quality of Mortgage Documents Ratio or QMD) - At least
ninety five percent (95%) of the total number of accounts delivered as
of the quarter prior to date of evaluation are properly documented.
 Unit Specifications Compliance Ratio (USCR, previously known as
Quality of Units Ratio or QUR) - At least ninety percent (90%) of the
total number of accounts delivered as of the quarter prior to date of
evaluation has passed inspection.
 Conversion Performance - If applicable, at least ninety percent (90%)
of accounts taken out under Circular Nos. 259, 287 and 298 that are
due for conversion as of the quarter prior to date of application are
already converted.
 A developer who is able to submit a copy of proof of payment to
the BIR (for Expanded Withholding Tax and Documentary
Stam_p Tax) and the City/Municipal Assessor's Office (for
Transfer Tax) shall be deemed as having substantially complied
with the conversion requirement. The original receipts must be
presented for authentication purposes.
 Within thirty (30) working days from presentation of such proof,
the developer must submit a copy of the Certificate Authorizing
630
Registration (CAR) to the Fund. In case there are delays on
the issuance of the CAR on the part of the BlR, the developer shall
submit a report to the Fund relative to the affected accounts.
Within fifteen (15) working days thereafter, the developer must
also submit a copy of proof of payment to the Registry of Deeds.
 For the accounts subject of substantial compliance to be
considered as fully converted, the Transfer/Condominium
Certificate of Title (TCT/CCT) must be transferred in the name of
the borrower, the Real Estate Mortgage properly annotated
thereon, and the said TCTs/CCTs returned to the Fund.
 Performing Accounts Ratio (PAR) -At least eighty five percent (85%)
of the accounts that are taken out in the last 24 months prior to date
of application are not in arrears for more than three (3) months at point
of evaluation.
FOR MEMBER-APPLICANT/BORROWER
acceptable.
employment information to Pag-IBIG Fund,
the member-applicant shall execute a letter
in the format being required by his/her
employer.
2. Proof of Income
631
No. 2316, duly acknowledged by the BIR
or authorized representative of employer
(1 photocopy)
c. One (1) Month Payslip, within the last Employer

three (3) months prior to date of loan
application with name and signature of
(1 certified true copy)
mentioned above.


632
over printed name of depositor
and details of credit investigator from
Pag-IBIG Fund)

e. Certified True Copy of Transport Local Government Unit (LGU)/Land

Franchise issued by appropriate Transportation Franchising and Regulatory
government agency (LGU for tricycles, Board (LTFRB)/Transportation Association/
LTFRB for other PUVs, MARINA for sea Maritime Industry Authority (MARINA)
transportation) and valid Official Receipt
(OR)/Certificate of Registration (CR) (1
photocopy)

issued by owner of business or person Owner Authorized to Certify
Barangay Secretary,
Barangay Captain
Department of
Environment and
Natural Resources
Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
633
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
months).
For Overseas Filipino Workers (OFWs), any

of the following:
Country or MSO at Pag-IBIG Overseas
Post within the past 12 Months
 Employment Contract between Borrower/POEA/ Philippine Consular Office at

employee and employer (1 photocopy); Host Country/MSO at Pag-IBIG Overseas Post
or
months
634
 CEC written on the Employer/ Employer
Company’s official letterhead
(1 original copy); or
 CEC (1 original copy) signed by Employer
employer (for household staff and
similarly situated employees) supported
by a photocopy of the employer’s ID


photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

language/s, English translation is required.

ID must be presented during the conduct
of borrower’s validation. Any of the following:
(PRC) ID
Clearance
(GSIS) e-Card
635
(OWWA) ID (OWWA)
(POEA)
- Alien Certification of Bureau of Immigration (BI)
Registration/Immigrant Certificate of
Registration
(DSWD)
4. In case of discrepancy in personal details of Principal Borrower and Spouse, Co-Borrower and
the Principal Borrower and Spouse, Co- Spouse, Seller/s and Spouse/s
(e.g. name, date of birth), Notarized Affidavit
of Two Disinterested Person (1 original copy
and photocopy)
 For borrowers up to 60 years old, if
loan is over P2.0M to P6.0M

conducted prior to assignment overseas
as required by the employment agency (1
photocopy)
6. Notarized Borrower’s Conformity (HQP-HLF- Pag-IBIG website (www.pagibigfund.gov.ph) or

108) (1 original copy) in any Pag-IBIG Branch
636
through salary deduction.

Pag-IBIG Fund
multiple housing in Pag-IBIG Fund.(1
original copy)
THRU REPRESENTATIVE/ATTORNEY-IN-
FACT
photo of borrower/co-borrower (if applicable)
(2 original copies). Computer generated or
employer.
2. Proof of Income
637
photocopy)

(1 certified true copy).
mentioned above.

photocopy) and sketch of business
location


638
(LGU for tricycles, LTFRB for other PUVs, Board (LTFRB)/Maritime Industry Authority

Barangay Secretary,
Barangay Captain
Department of
Resources (DENR)/
Department of Agriculture
(DA)/ Local Government
Unit (LGU)/ Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
10
639
Barangay Captain or
Barangay Secretary,
Barangay Captain
months).

the following:
Post within the past 12 months
 Employment Contract between Borrower/POEA/Philippine Consular Office at

employee and employer (1 photocopy); Host Country or MSO at Pag-IBIG Overseas
or Post
Post

months

Company’s official letterhead (1 original
copy); or

11
640
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

borrower and spouse and Attorney-In-Fact, if
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
12
641
(DSWD)
and 1 photocopy)
photocopy)

108) (1 original copy) in any Pag-IBIG Branch/Person being
represented
7. Notarized Special Power of Attorney (SPA) of Pag-IBIG website (www.pagibigfund.gov.ph) or

the borrower/s and spouse (1 original copy in any Pag-IBIG Branch/Person being
and 1 photocopy) represented
For OFW members

13
642
Consulate
8. Authority to Deduct Loan Amortization (HQP- Pag-IBIG Branch/Person being Represented


Pag-IBIG Fund
original copy)
FOR DEVELOPER
original copy) or Softcopy of Borrower’s
Profile
2. Two (2) photocopies of Latest Transfer Developer /Registry of Deeds (RD)/Land

Certificate of Title (TCT) in the name of the Registration Authority (LRA)
developer or land Owner, (in case of Joint
Venture)/ Condominium Certificate of Title
(CCT) in the name of the developer or land
Owner, (in case of Joint Venture), subject to
the following:
14
643
 In case of Lot
meters
meters

immediately preceding the date of application
(2 photocopies)

photocopy)
Information Officer number for the
the number to be
called.
2. Submit the required 2. Receive the None 30 Minutes Mortgage Loans

documents once required Specialist**
your number is documents and Servicing
called. check for Department
completeness.
2.1 Get the POF that 2.1 Conduct None 30 Minutes
will be issued. Membership Status
Verification.
2.2 Generate and None 15 Minutes

issue Payment
Order form (POF, 2
15
644
copies) for the
payment of
processing fee and
lump sum payment
of monthly savings

required fees at
LSSD and submit
the photocopy of
PFOR to Servicing
Department.
3. Present POF and 3. Accept the Processing 30 Minutes Cashier

pay the required payment based on Fee – PHP LSSD
fees at LSSD once the POF. 1,000
your number is
called.
3.1 Get the PFOR that 3.1 Generate and 30 Minutes

will be issued upon issue Pag-IBIG
payment. Fund Official
Receipt (PFOR).

Servicing Servicing
member-
called. correct.

copy of the PFOR issue HLA
for authentication. Acknowledgement
Receipt.
4.3 Get the HLA 4.3 Upload the None 1 Working Day Data Encoder III**
Acknowledgment softcopy of Servicing
Receipt that will be borrower’s profile Department
issued to in the system.
16
645
acknowledge the NOTES: The 9 Working
receipt of the conduct of Credit Days
documents Investigation,
borrower’s
validation and
inspection of
property shall be
done
simultaneously.

Investigation
Report (HQP-HLF-
075).
4.5 Conduct None Credit Investigator

Borrower’s III**
Validation and Servicing
process signing of Department
Borrower’s
or
Validation Sheet
(BVS). Pag-IBIG Fund
Employee/
NOTES: Frontline Service
a. The conduct of Provider
Borrower’s
Validation may also
be done any time
prior to
endorsement of
Loan Documents
for post evaluation.
b. The developer shall

coordinate and
advise the member-
applicant/borrower
on scheduled date
of validation.
17
646
c. Member-applicant/
borrower shall
perform the
following:
 Present one (1)
valid ID to Credit
Investigator III
during the
conduct of
Borrower’s
Validation.
 Sign the
Borrower’s
Validation (BVS,
HQP-HLF-058)
and submit valid
ID (photocopy).

process the Development
signing of Officer III/
Confirmation of Project Evaluation
Officer III
Appraisal (HQP-
PVD
HLF-079).
NOTES:
a. The conduct of
technical
inspection may be
done any time prior
to submission of
post- approval
documents.
b. Inform the
developer on the
scheduled date of
technical
inspection of
property.
18
647
c. Request the
developer to sign
the “Conforme”
portion of the
Validation Report
(HQP-HLF-158).

application. LED II

Disapprove Days Authority
Housing Loan
Application. Loans Origination
Group (LOG)
4.9 Inform the None 1 Hour Data Encoder III**

developer and Servicing
member-applicant/ Department
borrower on the
approval/
disapproval of
housing loan
application.

number and wait for
the number to be
called.
6. Return to Servicing 6. Perform the

Department and get following:
the following:
 Notice of
Approval (2 6.1 Explain the None 1 Hour Mortgage Loans
corresponding Specialist**
copies)
documentary Servicing
 Disclosure Department
Statement on requirements and
Loan procedures to be
undertaken.
19
648
Transaction 6.2 Advise to request None 15 Minutes
(DSLT, 2 copies) the borrower to sign
 Promissory Note “Conforme” portion
(PN, 7 copies) of the NOA and sign
 Deed of the DSLT, PN,
Conditional Sale DOAS and
(DCS, 7 copies)/ DCS/LMA.
Loan and
Mortgage 6.3 Issue the NOA and None 15 Minutes
Agreement loan documents.
(LMA, 7 copies)
 Deed of NOTE: For disapproved
Absolute Sale application,
(DOAS, 7 perform the
copies) following:
 Explain the
NOTES: reason for
a. The borrower must disapproval.
sign the “Conforme”  Issue Notice of
portion of the NOA Disapproval
and sign the DSLT, (NOD, HQP-
PN, DOAS and HLF-154) and
DCS/LMA. required
documents
b. The developer must submitted by
comply all the the developer
requirements and member-
indicated in the NOA applicant/
to be submitted to borrower.
Servicing
Department within
90 days from date of
NOA. Proceed to
Citizens Charter on
Release of Loan
Proceeds to the
Regular Developer
through Check.
20 Working
TOTAL: PHP 1,000 Days

20
PHP1,000 - To be charged for every re-filing or re-evaluation of housing
loan application.
649
6. Receive and Approve/Disapprove Housing Loan Application under Retail Accounts
square meters;
slot, which may be:
- Old or brand new;

- A property mortgaged with the Fund; or
 Construction or completion of a residential unit on a residential lot owned by the borrower or a

relative of the borrower based on accommodation of mortgage;
 Home improvement on the house owned by the borrower or a relative of the borrower based on
accommodation of mortgage, or on a property currently secured under a Contract-to-Sell (CTS) or
Deed of Conditional Sale (DCS) between Pag-IBIG Fund and the buyer, i.e. any alteration in an
existing residential unit intended by the borrower to be a permanent integral part thereof, which
will enhance its durability and material value;
 Refinancing of an existing housing loan; provided, that the borrower must be regularly paying
without any payment made beyond thirty (30) days past due for the last six (6) months from the
date of application; or
 Combination of loan purposes, which shall not be limited to the following:
Purchase of a fully developed lot not exceeding 1,000 square meters and construction of a
residential unit thereon;
Purchase of a residential unit, whether old or new, with home improvement;
Refinancing of an existing mortgage with home improvement; or
Refinancing of an existing mortgage, specifically a lot loan, with construction of a residential unit
thereon.
 Combination of loan purposes plus cost of transfer of title, which shall not be limited to the following:
 Purchase of residential unit and transfer of title in favor of the borrower;

 Purchase of a residential unit with home improvement, and transfer of title in favor of the
borrower;
1
650
 Purchase of residential lot and transfer of title in favor of the borrower;
 Purchase of residential lot with house construction, and transfer of title in favor of borrower.
availability of Notice of Approval/Notice of Disapproval.

Center
requirement:
 Must be an active member under the Pag-IBIG I Membership
 A member, whose monthly savings are still short of the required
 A non-member who wishes to apply for a housing loan program may
651
FOR PURCHASE OF LOT/RESIDENTIAL UNIT AND TRANSFER OF TITLE
1. Duly accomplished Housing Loan Application Pag-IBIG website (www.pagibigfund.gov.ph) or

2. Proof of Income

photocopy).

signatory of employer (1 certified true copy)
be paying their loan amortization through
salary deduction, the original copy of one
(1) Month Payslip, within the last three
(3) months prior to date of loan
application, must be submitted together
with CEC or ITR as mentioned above.
652




653
issued by owner of business/person
availing of the services (1 original copy)
Barangay Secretary,
Barangay Captain
Agriculture/Forestry/ Department of
Fishery Agrarian Reform
(DAR)/ Department of
Environment and
Natural Resources
(DENR)/ Department
of Agriculture (DA)/
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
654

the following:
Post
Post

months

copy); or
by a photocopy of the employer’s ID;


photocopy) (OWWA)
Visa) (1 photocopy)
655
photocopy)

3. One (1) Valid ID with signature (1 photocopy,

back-to-back) of Principal Borrower and
Spouse, Co-Borrower and Spouse, Seller/s
and Spouse/s. Any of the following:
 Passport Department of Foreign Affairs (DFA)
 Driver’s License Land Transportation Office (LTO/ host country)
 Professional Regulation Commission Professional Regulation Commission (PRC)
(PRC) ID
 Integrated Bar of the Philippines (IBP) ID Integrated Bar of the Philippines (IBP)
 National Bureau of Investigation (NBI) National Bureau of Investigation (NBI)
Clearance
 Police Clearance Local Police Station
 Postal ID Post Office
 Voter’s ID Commission on Election (COMELEC)
 Government Service Insurance System Government Service Insurance System (GSIS)
(GSIS) e-Card
 Social Security System (SSS) Card Social Security System (SSS)
 Senior Citizen Card Local Government Unit (LGU)/ Office of Senior
 Overseas Workers Welfare Administration Overseas Workers Welfare Administration
(OWWA) ID (OWWA)
 Overseas Filipino Worker (OFW) ID Philippine Overseas Employment Administration
(POEA)
 Seaman’s Book or Seafarer’s Identification Maritime Industry Authority (MARINA)
 Alien Certification of Registration/ Bureau of Immigration (BI)
Immigrant Certificate of Registration
 National Council for the Welfare of National Council on Disability Affairs (NCDA)/
(DSWD)
 Department of Social Welfare and Department of Social Welfare and Development
 Government Office and GOCC ID (e.g. Government Office/Government-Owned and

Principal Borrower and Spouse, Co-Borrower and Spouse, Seller/s and Spouse/s
and Spouse, Seller/s and Spouse/s (e.g.
656
name, date of birth), Notarized Affidavit of Two
Disinterested Persons (1 original copy and 1
photocopy)
5. Latest title in the name of the seller/s (i.e., Registry of Deeds (RD)/Land Registration
Original Certificate of Title (OCT)/ Transfer of Authority (LRA)
Title (TCT)/Condominium Certificate of Title
(CCT) etc.) (2 complete photocopies of all
pages of the title) subject to the following:
 In case of lot
a. with minimum lot area of 28 square
meters
b. with access road, minimum width of 1.5
meters
c. minimum lot width frontage of 3.5
meters
less than 18 square meters, submit Single
For Properties Purchased from a Developer/

Corporation/ Association
 License to Sell and Certificate of Developer
Registration (Applicable to Developer
only) (1 photocopy)
 Secretary’s Certificate on the Authorized Developer/Corporation/Association

Signatory of the Developer/Corporation/
Association (1 photocopy)
 One (1) valid ID of the Corporate Developer/Corporation/Association

Secretary and Authorized Signatory of the
Developer/ Corporation/ Association (1
photocopy, back-to-back)
classified as residential and Updated Real
(2 photocopies)
7. Contract-to-Sell or similar agreement between Buyer/Seller

the buyer and seller/s (1 original copy)
8. Vicinity Map/Sketch of the Location of Property Google Maps/Borrower’s Sketch of the Property
showing landmarks (1 original copy)
657
b. Health Statement Form (Medical Pag-IBIG Branch and Medical Hospital
photocopy)
Pag-IBIG Fund
original copy)
1. Duly accomplished Housing Loan Application Pag-IBIG Website (www.pagibigfund.gov.ph) or

2. 2. Proof of Income
monthly income and monthly allowances
or monthly monetary benefits received by
658
the employee (1 original copy) duly signed
by the authorized signatory of the
employer. For system generated CEC,
notarize the said CEC with signature of

(1 photocopy).

application with name and signature of the
authorized signatory of employer (1
certified true copy).
above.

(1 photocopy) and sketch of business
location.
b. Commission Voucher (1 photocopy) or Employer/Business Owner/ Source of


10
659


issued by owner of business/person Certify
Barangay Secretary,
Barangay Captain
Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Captain or Barangay
Secretary, provided
with written
11
660
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Barangay Captain
Social and Personal Owner/Person
Service Activities availing of the
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain


the following:

months
12
661
copy); or
employer’s ID or passport (1 original
copy)


photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

Spouse, Co-Borrower and Spouse, Seller and
Spouse and Attorney-In-Fact. Any of the
following:
 Driver’s License Land Transportation Office (LTO/host country)
(PRC) ID
Clearance
(GSIS) e-Card
13
662
(OWWA) ID (OWWA)
(POEA)
 Alien Certification of Bureau of Immigration (BI)
Registration
(DSWD)

photocopy)
Title (TCT)/ Condominium Certificate of Title
pages of the title)
 In case of lot
meters with access road, minimum
width of 1.5 meters
b. minimum lot width frontage of 3.5
meters
14
663
Registration (Applicable to Developer only)
(1 photocopy)

 One (1) valid ID of the Corporate Secretary Developer/Corporation/Association

and Authorized Signatory of the Developer/
Corporation/ Association (1 photocopy,
back-to-back)
(2 photocopies)

the buyer and seller (1 original copy)
8. Vicinity Map/Sketch of the Location of Google Maps/Borrower’s Sketch of the Property

Property showing landmarks (1 original copy)
Questionnaire) and Copy of the result of

the borrower/s and spouse or seller/s and in any Pag-IBIG Branch/Person being
spouse (1 original copy, 1 photocopy) Represented
15
664
For OFW Members
 SPA duly authenticated by a Government
notarized by a local notary (of the
country where the member is
working) but duly authenticated by
a Philippine Consular Officer
Pag-IBIG Fund
original copy)
16
665
2. Proof of Income

(1 photocopy).

certified true copy)
above.

location.

17
666



issued by owner of business/person Owner Authorized to
availing of the services (1 original copy) Certify
Barangay Secretary,
Barangay Captain
Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/Barangay
Captain or Barangay
Secretary, provided
with written
Barangay Captain
18
667
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain

months).

the following:
19
668
months

copy); or
copy)

photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

Spouse, Co-Borrower and Spouse, Owner of
title (for accommodation mortgage)
(PRC) ID
Clearance
20
669
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)

and Spouse (e.g. name, date of birth),
Notarized Affidavit of Two Disinterested
Persons (1 original copy and 1 photocopy)
5. Latest title in the name of the borrower or a Registry of Deeds (RD)/ Land Registration
relative of the borrower (in case of Authority (LRA)
accommodation mortgage) (i.e. Original
Certificate of Title (OCT)/ Transfer Certificate
of Title (TCT)/ Condominium Certificate of Title
(CCT) etc.) (2 complete photocopies of all the
pages of the title).
 In case of lot
meters
meters
meters
21
670
(2 photocopies)
7. Building Plans, Specification with Bill of Licensed Civil Engineer or Architect

Materials duly signed by the Licensed Civil
Engineer or Architect (1 original copy)
8. Vicinity Map/ Sketch of the Location of Google Maps/Borrower’s Sketch of the Property
9. For Accommodation Mortgage

 Notarized SPA for Accommodation Pag-IBIG Branch
Mortgagor (HQP-HLF-275) (1 original copy)
 Proof of Relationship of Borrowers (i.e., PSA PSA

copy of Birth Certificate/ Marriage Certificate)
(1 photocopy)

Pag-IBIG Fund
original copy)
22
671
FACT

2. Proof of Income

(1 photocopy).

23
672
as mentioned above.

location.



24
673
Barangay Secretary,
authorization from
the Barangay
Captain
(DAR)/ Department
of Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Social and Personal Owner/Person by
Service Activities Barangay Captain or
Barangay Secretary,
provided
25
674
availing of the
with written
Barangay Captain
months).

the following:
 Employment Contract between employee Borrower/POEA, Philippine Consular Office at
 POEA Standard Contract Borrower/POEA, Philippine Consular Office at

months

copy); or
copy)

photocopy) (OWWA)
26
675
Visa) (1 photocopy)
photocopy)

Title (for accommodation mortgage) and
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)
27
676
Certificate of Title (TCT)/ Condominium
Certificate of Title (CCT) etc.) (2 complete
photocopies of all the pages of the title).
 In case of lot
meters
meters
meters
(2 photocopies)



(1 photocopy)
28
677
the borrower/s and spouse (1 original copy, 1 in any Pag-IBIG Branch/Person being
photocopy) Represented
For OFW Members

passport/seaman’s book reflecting the

Pag-IBIG Fund
original copy)
29
678
FOR PURCHASE OF LOT WITH HOUSE CONSTRUCTION AND TRANSFER OF TITLE
2. Proof of Income

photocopy).

signatory of employer. (1 certified true copy)
original copy One (1) Month
30
679
mentioned above.
Financial Statements (1 original copy), and City Hall
photocopy) and sketch of business location.

(1 original copy)



issued by appropriate government agency Regulatory Board (LTFRB)/Maritime Industry
(LGU for tricycles, LTFRB for other PUVs, Authority (MARINA)
MARINA for sea transportation) and valid

Barangay Secretary,
31
680
authorization from
Barangay Captain
Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/Barangay
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
months).
32
681

the following:


months

copy); or
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

33
682
Spouse, Co-Borrower and Spouse, and Seller
and Seller/s and Spouse/s. Any of the following:
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)
photocopy)
5. Latest title in the name of the seller/s i.e Original Registry of Deeds (RD)/Land Registration
Certificate of Title (OCT)/Transfer Certificate of Authority (LRA)
(CCT) etc) (2 complete photocopies of all
34
683
 In case of lot
meters
meters
meters

only) (1 photocopy)
back-to-back)
(2 photocopies)

Materials duly signed by the Owner/s and
Licensed Civil Engineer or Architect (1 original
copy)

35
684
photocopy)
Pag-IBIG Fund
original copy)
FACT
2. Proof of Income
36
685
(1 photocopy).

authorized signatory of employer. (1
copy or One (1) Month Payslip, within
above.

a. ITR (1 certified true copy) (BIR Form No. Bureau of Internal Revenue (BIR)/Department of
1701) duly certified by BIR, Audited Trade and Industry (DTI)/ Municipal’s Office/
location.


37
686


Barangay Secretary,
authorization from
the Barangay
Captain
(DAR)/ Department
of Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
authorization from
38
687
the Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
months).

the following:

39
688
months
copy); or
copy)


photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

(PRC) ID
Clearance
(GSIS) e-Card
40
689
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)
photocopy)
5. Latest title in the name of the seller/s i.e Original Registry of Deeds (RD)/ Land Registration
(CCT) etc. (2 complete photocopies of all pages
of the title).
 In case of lot
meters
meters
meters
41
690
only) (1 photocopy)


back-to-back)
(2 photocopies)



42
691
For OFW Members

Pag-IBIG Fund
original copy)
FOR REFINANCING
43
692
2. Proof of Income

(1 photocopy).

mentioned above.

location.

44
693



Barangay Secretary,
authorization from
the Barangay
Captain
(DAR)/ Department
of Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
authorization from
the Barangay
Captain
45
694
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
months).

the following:

46
695
months

copy); or
copy)
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)
3. One (1) valid ID (1 photocopy, back-to-back) of

Principal Borrower and Spouse, Co-Borrower
and Spouse and Owner of Title (for
accommodation mortgage). Any of the
following:
(PRC) ID
Clearance
47
696
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

5. Latest title in the name of the borrower or a Registry of Deeds (RD)/Land Registration
relative (in case of accommodation mortgage) Authority (LRA)
(i.e Original Certificate of Title (OCT)/Transfer
Certificate of Title (TCT)/Condominium
photocopies of all pages of the title).
 In case of lot
meters
meters
meters
48
697
 If mortgage with the originating financial
institution is not annotated in the TCT/CCT,
submit a photocopy of Loan and Mortgage
Agreement and Notarized Promissory Note
 Must be free from other liens and
encumbrances
(2 photocopies)
7. Latest Statement of Account indicating the Issuing Bank

Manager or the account officer, and any of the
following documents:
 Official Receipt for the last 6 months (or any
valid proof of payment) (1 original copy)
 Subsidiary Ledger (It reflect the due date and
payment date. The payment date must not
be beyond 30 days) (1 original copy)
(1 photocopy)

photocopy)
49
698
Pag-IBIG Fund
original copy)
FACT
employer.
2. Proof of Income
notarize the said with signature of the
authorized signatory of the employer.

(1 original copy).
50
699
submitted together with CEC or ITR as
mentioned above.

location.



51
700

Barangay Secretary,
authorization from
the Barangay
Captain
(DAR)/ Department
of Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
52
701
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
months).

the following:


months

copy); or
copy)
53
702
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

and Spouse, Owner of Title (for
accommodation mortgage) and Attorney-In-
Fact. Any of the following:
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)
54
703
accommodation mortgage) (i.e Original
Certificate of Title (OCT)/Transfer Certificate of
 In case of lot
meters
meters
meters
encumbrances
(2 photocopies)
55
704
be beyond 30 days.) (1 original copy)
(1 photocopy)
photocopy)
For OFW Members
56
705

Pag-IBIG Fund
original copy)

(HQP-HLF-068/069) with recent 1” x 1” ID in any Pag-IBIG Branch
employer.
2. Proof of Income
57
706
(1 photocopy).

mentioned above.

location.


58
707

Barangay Secretary,
authorization from
the Barangay
Captain
(DAR)/ Department
of Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
59
708
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
months).
NOTE: The applicant should submit ITR
BIR Form No. 2307 (1 photocopy) to

the following:

months

copy); or
60
709
copy)

photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

following:
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
61
710
Registration
(DSWD)

pages of the title)
 In case of lot
meters
meters
meters
encumbrances
62
711
(2 photocopies)


copy of Birth Certificate/ Marriage
Certificate) (1 photocopy)
photocopy)

Pag-IBIG Fund
63
712
original copy)
FACT
with recent 1” x 1” ID photo of borrower/co- in any Pag-IBIG Branch
borrower (if applicable) (HQP-HLF-068/069) (2
2. Proof of Income

(1 photocopy).

64
713
NOTE: For government employees who will be
paying their loan amortization through
salary deduction, the original copy of
One (1) Month Payslip, within the last
mentioned above.

1701) duly certified by BIR, Audited of Trade and Industry (DTI)/ Municipal’s Office
location.



65
714
Owner Authorized to
Certify
Barangay Secretary,
authorization from
Barangay Captain
(DAR)/ Department
of Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/ Barangay
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
by Barangay Captain
or Barangay
66
715
Secretary, provided
with written
Barangay Captain
months).

the following:


months
copy); or
copy)

photocopy) (OWWA)
67
716
Visa) (1 photocopy)
photocopy)

and Spouse, Owner of the title (for
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)
68
717
 In case of lot
meters
meters
meters
encumbrances
(2 photocopies)
7. Latest Statement of Account indicating the

69
718
 Subsidiary Ledger (It reflect the due date and Issuing Bank



photocopy)

For OFW Members

entry and/or exit date to/from the

70
719

Pag-IBIG Fund
original copy)
number and wait for
the number to be
called.

documents once required documents Specialist**
your number is and check for Servicing
called. completeness. Department

authentication.
will be issued. Payment Order form
(POF, 2 copies) for
the payment of
71
720
processing fee,
appraisal fee and
lumpsum payment
of monthly savings
2.3Advise member- None 15 Minutes

applicant/ borrower
to pay the required
fees at LSSD and
submit the
photocopy of PFOR
to Servicing
Department.
3. Present POF and 3. Accept the payment Processing 30 Minutes Cashier

pay the required based on the POF. Fee – PHP LSSD
fees at LSSD once 1,000
your number is
called.
3.1 Get the PFOR that 3.1 Generate and issue Appraisal 30 Minutes
will be issued upon Pag-IBIG Fund Fee – PHP
payment. Official Receipt 2,000
(PFOR).
Servicing Servicing
member-applicant’s/
4.1Submit the PFOR borrower’s name
(photocopy) once and amount paid is
your number is correct.
called.
4.2Present the original issue HLA
copy of the PFOR Acknowledgement
for authentication. Receipt.
4.3Get the HLA

Acknowledgment 4.3 Encode in the None 1 Working Day Data Encoder III**
Receipt that will be system the details in Servicing
issued to the HLA. Department
acknowledge the
receipt of the NOTE: The conduct of 9 Working
documents. credit Days
investigation
72
721
and technical
inspection shall
be done
simultaneously.

(HQP-HLF-075).
4.5 Conduct technical None Property Appraiser

inspection and II/ Project
of Collateral Officer III/
Project Evaluation
Appraisal Report
Officer III
(CAR, HQP-HLF- PVD
076)/Final Valuation
Certification (HQP-
HLF-077).
*Inform the member-

property.
4.6Evaluate housing None 6 Working Mortgage Loans

loan application and Days Specialist**
generate the Notice LED I
of Approval and loan
documents.
4.7Approve/Disapprove None 3 Working Approving

Housing Loan Days Authority
Application.
4.8Inform the member- None 1 Hour Data Encoder III**

applicant/ borrower Servicing
on the approval/ Department
disapproval of
housing loan
application.
73
722
number and wait for
the number to be
called.
6. Return to Servicing 6. Perform the Mortgage Loans

Department and get following: Specialist**
the following Servicing
documents once 6.1Explain the None 1 Hour Department
your number is corresponding
called: documentary
- Notice of Approval requirements and
(NOA, HQP-HLF- procedures to be
400/401/402/403/4 undertaken.
04/405/406, 2
copies) 6.2Advice the borrower None 15 Minutes
- Letter of Guaranty to sign “Conforme”
(LOG, HQP-HLF- portion of the NOA
107/352/354, 2 and sign the DSLT,
copies) (applicable LMA and PN.
to all loan purposes
except for 6.3 Issue the NOA and None 15 Minutes
Construction of loan documents.
House and Home
Improvement) NOTE: For disapproved
- Disclosure application,
Statement on Loan perform the
Transaction (DSLT, following:
HQP-HLF-085, 2
copies)  Explain the
- Loan and Mortgage reason for
Agreement (LMA, disapproval.
HQP-HLF-  Issue NOD
162/163/632/633, 3 and required
copies) documents
- Promissory Note submitted by
(PN, HQP-HLF- the member-
086/087, 7 copies) applicant/
* Make sure to sign borrower.
the “Conforme”
portion of the NOA
and sign the DSLT,
LMA and PN.
74
723
NOTE: The borrower
must comply all
the
requirements
indicated in the
NOA to be
submitted to
Servicing
Department
within 90 days
from date of
LOG/NOA.
Proceed to the
Citizens
Charter on
Initial/Final
Release of
Loan
Proceeds to
the Borrower/
Seller under
Retail
Accounts.
PHP 20 Working
TOTAL:
3,000.00 Days
PHP1,000 - To be charged for every re-filing or re-evaluation

of housing loan application.
PHP1,000 - For every inspection in excess of four (4)

inspections for accounts with staggered
releases (e.g. home improvement and house
construction), to be deducted from the final loan
release.
75
724
7. Receive and Approve/Disapprove Housing Loan Application under Window 2
Accounts
square meters;
slot, which may be:
- Old or brand new;

following:



requirement:
725


acceptable.
2. Proof of Income
726
the employee (1 original copy) duly
signed by the authorized signatory of the

(1 photocopy)

mentioned above.


727
and details of credit investigator from Pag-
IBIG Fund)


photocopy)

Barangay Secretary,
Barangay Captain
Department of
Environment and
Natural Resources
Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
728
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
months).

of the following:

or
months
729


photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)



(PRC) ID
Clearance
730
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
- Alien Certification of Registration/ Bureau of Immigration (BI)
(DSWD)
and 1 photocopy)

photocopy)

731

Pag-IBIG Fund
original copy)
FACT
acceptable.
2. Proof of Income
732
photocopy)

copy)
above.

location


733
e. Certified True Copy of Transport Local Government Unit (LGU)/ Land

government agency (LGU for tricycles, Board (LTFRB)/Maritime Industry Authority
LTFRB for other PUVs, MARINA for sea (MARINA)
photocopy)

Barangay Captain
Department of
Environment and
Natural Resources
Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
10
734
Barangay Captain or
Barangay Secretary,
Barangay Captain
months).

the following:

or Post
Post

months

copy); or
11
735

photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
12
736
(DSWD)
and 1 photocopy)
photocopy)

For OFW members

13
737
duly authenticated by the
Philippine Consulate


Pag-IBIG Fund
original copy)
FOR DEVELOPER
(CCT) in the name of the Developer or Land
Owner, in case of Joint Venture subject to the
following:
- In case of Lot
meters
meters
14
736
- In case of Condominium Unit, with minimum
- Must be free from liens and encumbrances

(2 photocopies)

(HQP-HLF-062) (1 original copy)
4. Pre-signed Deed of Assignment of CTS with Pag-IBIG Branch

SPA (With Buyer’s Conformity) (HQP-HLF-
5. Notarized Contract-to-Sell (HQP-HLF-161) (2 Pag-IBIG Branch

original copies)

photocopy)

the number to be
called.

your number is documents and Servicing
called. check for Department
completeness.
15
739
Verification.

issue Payment
Order form (POF, 2
copies) for the
payment of
processing fee and
lump sum payment
of monthly savings

required fees at
LSSD and submit
the photocopy of
PFOR to Servicing
Department.

pay the required payment based on Fee – PHP LSSD
fees at LSSD once the POF. 1,000
your number is 3.1 Generate and issue 30 Minutes
called. Pag-IBIG Fund
Official Receipt
3.1 Get the PFOR that (PFOR).
will be issued upon
payment.

Servicing Servicing
member-
called. correct.

Receipt.
16
740
Acknowledgment softcopy of Servicing
Receipt that will be borrower’s profile Department
issued to in the system.
acknowledge the
documents. Credit Days
Investigation,
borrower’s
validation and
inspection of
property shall
be done
simultaneously.

Investigation
Report (HQP-HLF-
075).

Borrower’s III**
Validation and Servicing
process signing of Department
Borrower’s
or
Validation Sheet
(BVS) Pag-IBIG Fund
NOTE: Employee/
Frontline Service
a. The conduct of Provider
Borrower’s
Validation may also
be done any time
prior to
endorsement of
Loan Documents
coordinate and
advise the member-
applicant/borrower
17
741
on scheduled date
of validation.
borrower shall
perform the
following:
- Present one (1)
valid ID to Credit
Investigator III
during the
conduct of
Borrower’s
Validation.
- Sign the
Borrower’s
Validation (BVS,
HQP-HLF-058)
and submit valid
ID (photocopy).

Officer III
Appraisal (HQP- PVD
HLF-079).
NOTES:
a. The conduct of
technical inspection
may be done any
time prior to
submission of post-
approval
documents
b. Inform the
developer on the
scheduled date of
of property.
18
742
c. Request the
developer to sign
the “Conforme”
portion of the
Validation Report
(HQP-HLF-158).

application. LED II

Housing Loan Loans Origination
Application. Group (LOG)

developer and Servicing
member-applicant/ Department
borrower on the
approval/
disapproval of
housing loan
application.

number and wait for
the number to be
called.

the following:
- Notice of
copies) corresponding Specialist**
- Disclosure documentary Servicing
Statement on requirements and Department
Loan procedures to be
Transaction undertaken.
(DSLT, 2 copies)
- Deed of 6.2 Advise to request None 15 Minutes
Assignment of the borrower to
Contract-to-Sell sign “Conforme”
with Special
19
743
Power of portion of the NOA
Attorney (DOA and sign the DSLT.
of CTS w/ SPA,
6 copies)
6.3 Issue the NOA and None 15 Minutes

loan documents.
NOTES:
a. The borrower must
NOTE: For disapproved
sign the “Conforme”
application,
portion of the NOA
perform the
and sign the DSLT.
following:
b. The developer must
comply all the
 Explain the
requirements
reason for
indicated in the NOA
disapproval.
to be submitted to
 Issue Notice
Servicing
of
Department within
Disapproval
90 days from date of
(NOD, HQP-
NOA. Proceed to
HLF-154)
Citizens Charter on
and required
Release of Loan
documents
Proceeds to the
submitted by
Developer through
the
Check.
developer
and member-
applicant/
borrower.
20 Working

loan application.
20
744
8. Release of Loan Proceeds to the Developer through Check
of Approval.
This service shall start from the receipt of complied documents as stated in the Notice of Approval
up to availability of Check for the release of loan proceeds to the developer.

Who may avail: This program is open to all developer/borrowers who complied with the
requirements indicated in the Notice of Approval.
1. Individual TCT/CCT covering the subject house Registry of Deeds
and lot package/condominium unit with Deed of
Conformity) duly annotated thereon (Owner’s
Duplicate Copy) (1 original copy)
correction
2. TCT/CCT covering the subject property ( Certified Registry of Deeds
True Copy) in the name of the developer or owner
of land, in case of Joint Venture, free from any lien
and/or encumbrances, except for the mortgage
annotation of Pag-IBIG Fund (RD’s Copy) (1
original copy)
correction
3. Updated Tax Declaration (House/s and Lot/s) and Assessor’s Office/ Municipal’s Office/Local
Updated Real Estate Tax Receipt as of the quarter Government Unit (LGU)
immediately preceding the date of submission of
documents in compliance to Notice of Approval (2
photocopies)
745
SPA (With Buyer’s Conformity) duly registered
with Registry of Deeds and bearing the
original RD stamp (HQP-HLF-524) (3 original
copies)
b. Duly Notarized Promissory Note (HQP-HLF- Pag-IBIG Branch
c. Pre-signed Deed of Absolute Sale (6 original Pag-IBIG Branch
copies)/ Pre-signed Deed of Absolute Sale
(HQP-HLF-278) (6 original copies) for
developers with Joint Venture
Agreement/Special Power of Attorney
085) (1 original copy and 2 photocopies)
e. Signed Notice of Approval with conformity of Pag-IBIG Branch
the borrower (HQP-HLF-522) (1 original copy
and 2 photocopies)
5. Notarized Certificate of Acceptance (HQP-HLF- Pag-IBIG Branch

083) (1 original copy and 1 photocopy)

salary deduction

original copy)

746
- Driver’s License Land Transportation Office (LTO/Host
Country)
ID
Clearance
- Government Service Insurance System Government Service Insurance System
(GSIS) e-Card (GSIS)
- Senior Citizen Card Local Government Unit (LGU)/ Office of
Senior Citizen Affairs (OSCA)
(OWWA) ID (OWWA)
Persons (NCWPD) Certification (NCDA)/ Department of Social Welfare and
Development (DSWD)
4. If mode of payment is thru PDC, 12 Post-Dated Issuing Bank

Checks (PDCs)
get a queue number desired transaction.
and wait for the
747
documents once your required documents Specialist **
number is called. and check for Servicing
2.1 Get the 2.1 Check if with None 25 Minutes

Acknowledgement existing housing
Receipt for NOA account, ensure
Compliance that will that the account is
be issued updated.
NOTE: If the existing NOTE: In case with
housing account is in arrearages, inform
arrears, make sure to the developer to
pay the arrearages at advise the borrower
LSSD and submit the to pay the arrearages
photocopy of PFOR at at LSSD for the
Servicing Department. account to be
updated.

issue
Acknowledgement
Receipt for NOA
Compliance.
2.3 Check and review None 3 Working Mortgage Loans

the documents Days and 3 Specialist**
submitted in Hours LED II
compliance with
NOA.
2.4 Process Request for None 1 Working Day Data Encoder

LED II
and
Approving
Authority

Voucher/Check.
And
Approving
Authority
748
2.6 Inform the developer None 1 Hour Check Release
on the availability of Controller
Check. LSSD

number and wait for
the number to be
called.

number is called. 4.1 Validate identity of None 15 Minutes
claimant against
4.1Sign the “Received by” valid ID and SPA (if
portion of Check applicable).
Register and secure
the Check that will be 4.2 Request to sign DV None 10 Minutes
issued. and on “Received
by” portion of
NOTE: Make sure to Check Register.
submit the Official
Receipt (OR) 4.3 Issue Check. None 15 Minutes
representing receipt of
loan proceeds.
7 Working
TOTAL: None
Days

takeout

takeout

749
9. Release of Loan Proceeds to the Regular Developer through Check
of Approval.
up to availability of Check.


1. TCT/CCT covering the subject property in the Registry of Deeds
name of Pag-IBIG Fund or the borrower (1 original
copy)
correction
2. Security Documents
a. Deed of Absolute Sale executed by Developer Pag-IBIG Branch
in favor of the Pag-IBIG Fund or the borrower,
as the case may be (HQP-HLF-236/237) (7
original copies)
b. Deed of Conditional Sale (HQP-HLF-234/235) Pag-IBIG Branch

between Pag-IBIG Fund and the borrower, if
TCT/CCT is still under the name of Pag-IBIG
Fund or Loan Mortgage Agreement if
TCT/CCT is under the name of the borrower
c. Duly notarized Promissory Note (HQP-HLF- Pag-IBIG Branch

750
d. Signed Disclosure Statement on Loan Pag-IBIG Branch
Transaction (HQP-HLF-085) with conformity
of the borrower (1 original copy and 2
photocopies)

copy and 2 photocopies)
3. Updated Tax Declaration on the Land in the name Assessor’s Office/ Municipal’s Office/Local
of Pag-IBIG Fund or the borrower (1 photocopy) Government Unit (LGU)
4. Updated Tax Declaration on the improvements in Assessor’s Office/ Municipal’s Office/Local

the name of Pag-IBIG Fund or the borrower (1 Government Unit (LGU)
photocopy)
5. Updated Real Estate Tax Receipt as of the quarter Assessor’s Office/ Municipal’s Office/Local
immediately preceding the date of submission of Government Unit (LGU)
photocopy)

8. Transfer Tax Receipt for Lot and Building (1 Assessor’s Office/Municipal’s Office/LGU
photocopy)

original copy)

Country)
751
ID
Clearance
(OWWA) ID (OWWA)
Development (DSWD)
Checks (PDCs)
and wait for the
752
Receipt for NOA account, ensure that
Compliance that will the account is
be issued. updated.

LSSD and submit the to pay the arrearages
photocopy of PFOR at at LSSD for the
Servicing Department. account to be
updated.

issue
Acknowledgement
Receipt for NOA
Compliance.

submitted in Hours LED II
compliance with
NOA.

LED II
and
Approving
Authority

Voucher/Check.
and
Approving
Authority

Check. LSSD
753
number and wait for
the number to be
called.

number is called. 4.1 Validate identity of None 15 Minutes
claimant against
4.1Sign the “Received by” valid ID and SPA (if
portion of Check applicable).
Register and secure
the Check that will be 4.2 Request to sign DV None 10 Minutes
issued. and on “Received
by” portion of
NOTE: Make sure to Check Register.
submit the Official
Receipt (OR) 4.3 Issue Check. None 15 Minutes
loan proceeds.
7 Working
TOTAL: None
Days

takeout

takeout

754
10. Subsequent Release of Loan Proceeds to the Borrower for accounts with House
Construction/ Home Improvement
Subsequent loan proceeds shall be released provided that your other existing Pag-IBIG housing
account is still updated. The loan release shall be in accordance with the progress of
construction/improvement work. The construction/improvement must be completed within six (6)
months or extension, as the case may be, from the date of initial loan release, otherwise, the account
shall be considered constructively taken out as of the end of the prescribed period. Thus, the loan
value shall be equivalent to the sum of all amounts released within the prescribed period, including
applicable interim interests.
This service shall start from the receipt of Construction Progress Report (CPR) up to availability of
Check for subsequent release of loan proceeds to the borrower.
Office or Division:  Loans Support Services Department (LSSD)

Center
purposes:
 Refinancing with House Construction/ Home Improvement

A. CHECK RELEASING REQUIREMENTS
1. Two (2) valid IDs of the Payee/s (1 photocopy Borrower/Spouse

ID
Clearance
(GSIS) e-Card
755
(OWWA) ID (OWWA)
Persons (NCWPD) Certification Department of Social Welfare and
Development (DSWD)

Checks (PDCs) (1 original copy)
1. Two (2) original valid IDs of Payee/ Person being Represented/Attorney-in-Fact
Representative/Attorney-in-Fact (1 photocopy
each, back-to-back)
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
756
Development (DSWD)
2. Notarized Special Power of Attorney (SPA) Pag-IBIG Website (www.pagibigfund.gov.ph),

Represented
For OFW Members

original copy, 1 photocopy
copy, 1 photocopy)
Consulate.

BANK’S NAME
3
757
original copy)
3. Two (2) valid IDs of Authorized Representative Member-applicant/Borrower

(1 photocopy each, back-to-back). Any of the
following:
ID
Clearance
(GSIS) e-Card
- Senior Citizen Card Local Government Unit (LGU)/ / Office of
(OWWA) ID (OWWA)
Development (DSWD)
4
758
1. Receive Construction None 10 Minutes Mortgage Loans
Progress Report Specialist**
(CPR, HQP-HLF-473) LED I
from Servicing
Department).
1.1 Evaluate the House None 3 Working Days Approving

Construction/ Home Authority
Improvement housing
Loan.

LED I
And
Approving
Authority
Voucher/Check.
and
Approving
Authority
LOG and LSSD

borrower/seller on the Controller

number and wait for
the number to be
called.
3. Return to LSSD, 3 Receive the required None 15 Minutes Check Release

number is called.
3.1 Sign the “Received 3.1 Validate identity of None 15 Minutes

by” portion of Check claimant against valid
Register and secure ID and SPA (if
the Check that will be applicable).
issued.
759
and on “Received by”
portion of Check
Register.
3.3 Issue Check. None 15 Minutes
6 Working
None
TOTAL: Days, 3 Hours
and 10 Minutes
PHP2,000 - To be charged as Handling Fee per additional Check issued for

split payment of loan proceeds.
PHP1,000 - For every inspection in excess of four (4) inspections for

accounts with staggered releases (e.g. home improvement and
house construction), to be deducted from the final loan release.
6
760
LOANS ORIGINATION
(REGION)
EXTERNAL SERVICES
761
1. Housing Loan Availment under Prime Developer

loan.

Office or Division:  Loans Servicing-Loans Origination/ Loans Origination (HBC)

 Branch Support – Branch
 Property Valuation Unit
 Loans Evaluation-Loans Origination/Loans Origination (HBC)
Who may avail: The program shall be open to Accredited Prime Developers who satisfies
 Complete Documentation Compliance Ratio (CDCR) - At least
ninety five percent (95%) of the total number of accounts delivered
as of the quarter prior to date of evaluation are properly
documented.
 Unit Specifications Compliance Ratio (USCR) - At least ninety five
percent (95%) of the total number of accounts delivered as of the
quarter prior to date of evaluation has passed inspection.
 Conversion Performance - If applicable, at least ninety five percent
(95%) of accounts taken out under Circular Nos. 259, 287 and 298
that are due for conversion as of the quarter prior to date of
application are already converted. Policy on substantial
compliance and subsequent conditions provided in Item Ill
Subsection 3.1.3. shall likewise apply.
 Performing Accounts Ratio (PAR) -At least ninety-five percent
(95%) of the accounts that are taken out in the last 24 months prior
to date of application are not in arrears for more than three (3)
months at point of evaluation.
762
acceptable.
2. Proof of Income
photocopy)
copy)
763
mentioned above.





764
Barangay Secretary,
Barangay Captain
Department of
Environment and
Natural Resources
Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
months).
765

the following:

months



photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

766
back-to-back) of borrower and spouse and co-
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

1 photocopy)
767

photocopy)

with existing CSA

Pag-IBIG Fund
original copy)
FACT
768
2. Proof of Income

photocopy)

copy).
above.


769




Barangay Captain
Department of
Environment and
Natural Resources
Government Unit
(LGU)/ Land Owner/
Barangay Captain or
Barangay Secretary,
770
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
months).

the following:

Post
Post
10
771
months


photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)
- Bank remittance record (1 original copy) Member-Applicant/ Borrower


borrower and spouse, and Attorney-In-Fact, if
ID
Clearance
11
772
(GSIS) e-Card
Senior Citizen Card Local Government Unit (LGU)/ Office of Senior
(OWWA) ID (OWWA)
(POEA)
(DSWD)

1 photocopy)
photocopy)
12
773
For OFW members
 Special Power of Attorney (SPA) notarized Person being Represented
prior to date of departure with copy of
passport with entry date of arrival and
departure (1 original copy and 1
photocopy)
Consulate
with existing CSA

Pag-IBIG Fund
original copy)
FOR DEVELOPER
original copy) or Softcopy of Borrower’s Profile
13
774
2. (Original Owner’s Duplicate Copy) Latest Developer /Registry of Deeds (RD)/Land
Conformity) duly annotated thereon /
 In case of Lot
meters
meters
3. (Certified True Copy) Latest Transfer Certificate Developer /Registry of Deeds (RD)/Land
of Title (TCT)/ Condominium Certificate of Title Registration Authority (LRA)
(CCT) (RD’s copy)
4. Updated Tax Declaration on land in the name of Assessor’s Office/Municipal’s Office/Local

Developer or land owner, in case of joint Government Unit (LGU)
Venture (1 photocopy)

photocopy)
6. Updated Tax Declaration on improvements in Assessor’s Office/Municipal’s Office/Local

the name of Developer (1 photocopy) Government Unit (LGU)
7. Updated Real Estate Tax Receipt/s as of the Assessor’s Office/Municipal’s Office/Local

quarter immediately preceding the date of Government Unit (LGU)
application (2 photocopies)

14
775
9. Certificate Authorizing Registration (1 original Bureau of Internal Revenue (BIR)
copy)

 Notarized Borrower’s Conformity (HQP- Pag-IBIG Branch
 Deed of Absolute Sale executed by Pag-IBIG Branch
Developer in favor of Pag-IBIG Fund or the
borrower as the case may be (HQP-HLF-
 Deed of Conditional Sale (HQP-HLF- Pag-IBIG Branch
234/235) between Pag-IBIG Fund and the
borrower, if TCT/CCT is still under the name
of the Pag-IBIG Fund or Loan and Mortgage
Agreement if TCT/CCT is under the name of
copies)
 Duly accomplished/Notarized Promissory Pag-IBIG Branch
 Pre-signed Disclosure Statement on Loan Pag-IBIG Branch
copies)
13. Transfer Tax Receipt for Lot and Building (1 Assessor’s Office/Municipal’s Office/Local
photocopy) Government Unit (LGU)

original copy)

15
776
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
4. If mode of payment is thru PDC, 12 Post- Borrower/Co-Borrower/Spouse

Dated Checks (PDCs).
CLIENT STEPS AGENCY ACTION FEES TO PROCESSIN PERSON

BE PAID G TIME RESPONSIBLE
number and wait for
the number to be
called.
16
777
number is called. check for Loans Servicing-
completeness. Loans Origination/
Loans Origination
(HBC)

authentication.
Form (POF, 2
copies) for the
payment of
processing fee and
lump sum payment
of monthly savings

required fees at
Branch Support-
Branch and submit
the photocopy of
PFOR to Loans
Servicing-Loans
Origination/Loans
Origination (HBC).
the required fees at based on the POF. Fee – PHP Branch Support-
Branch Support- 1,000 Branch
Branch once your 3.1 Generate and issue 30 Minutes
number is called. Pag-IBIG Fund
Official Receipt
will be issued upon
payment.

Loans Servicing- Loans Servicing-
Loans Origination/ Loans Origination/
17
778
Loans Origination 4.1 Ensure that the None 15 Minutes Loans Origination
(HBC) member- (HBC)
applicant’s/
4.1 Submit the PFOR borrower’s name
(photocopy) once and amount paid is
your number is correct.
called.

Receipt.
Acknowledgment of borrower’s profile Loans Servicing-
Receipt that will be in the system. Loans Origination/
issued to Loans Origination
acknowledge the NOTE: The conduct of 7 Working (HBC)
receipt of the Credit Days
borrower’s
validation and
inspection of
property shall
be done
simultaneously.

process the signing Loans Servicing-
of Credit Loans Origination/
Investigation Report Loans Origination
(HBC)
(HQP-HLF-075).

process signing of Loans Servicing-
Borrower’s Loans Origination/
Validation Sheet Loans Origination
(HBC)
(BVS).
or
18
779
a. The developer shall Employee/
coordinate and Frontline Service
Provider
advise the member-
applicant/ borrower
on scheduled date
of validation.
borrower shall
perform the
following:
 Present one (1)
valid ID to Credit
Investigator III
during the
conduct of
Borrower’s
Validation
 Sign the
Borrower’s
Validation (BVS,
HQP-HLF-058)
and submit valid
ID (photocopy)

Appraisal (HQP- Project Evaluation
Officer III
HLF-079).
Property Valuation
Unit
NOTES:
on the scheduled
date of technical
inspection of
property.
b. Request the
19
780
of the Validation
Report (HQP-HLF-
158).

application. Loans Evaluation-
Loans Origination/
Loans Origination
(HBC)

Loan Application.

and member- Loans Servicing-
applicant/borrower Loans Origination/
on the approval/ Loans Origination
disapproval of (HBC)
housing loan
application.
NOTE: A Notice of
Approval/
Notice of
Disapproval
shall be issued
to the
developer.
4.10 Process Request None 1 Working Day Data Encoder

for Payment. and 4 hours III/Mortgage Loans
Specialist**
Loans Evaluation-
Loans Origination/
Loans Origination
(HBC)
and
Approving
Authority
20
781
4.11 Process None 1 Working Day
Disbursement and 4 Hours
Voucher/Check.

Check. Branch

number and wait for
the number to be
called.
6. Return to Branch 6. Receive the required None 1 Hour Check Release

documents once 6.1 Validate identity of None Branch
your number is claimant against
called. valid ID and SPA (if
applicable).
6.1 Sign the “Received
by” portion of Check 6.2 Request to sign DV None
Register and secure and on “Received
the Check that will by” portion of Check
be issued. Register.
NOTE: Make sure to 6.3 Issue Check. None

submit the
Official Receipt
(OR)
representing
receipt of loan
proceeds.
20 Working
21
782

takeout

takeout

22
783
2. Housing Loan Availment under Window 1 Accounts
square meters;
slot, which may be:
- Old or brand new;

following:

Office or Division:  Loans Servicing – Loans Origination/Loans Origination (HBC)

 Loans Evaluation – Loans Origination/Loans Origination (HBC)
requirement:
784

acceptable.
2. Proof of Income
785

photocopy)

copy)
original copy of One (1) Month
mentioned above.



786


Barangay Secretary,
Barangay Captain
Department of
Environment and
Natural Resources
Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
787
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain

months).

the following:

months

789
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)


(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
789
(DSWD)

1 photocopy)

photocopy)


Pag-IBIG Fund
790
original copy)
FACT
2. Proof of Income

photocopy)
791
copy).
copy of One (1) Month Payslip,
within the last three (3) months prior
to date of loan application, must be
as mentioned above.




792

Barangay Captain
Department of
Environment and
Natural Resources
Government Unit
(LGU)/ Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
by Barangay Captain
Barangay Captain
by Barangay Captain
Barangay Captain
by Barangay Captain
10
793
Barangay Captain

months).

the following:
Post
Post

months



photocopy) (OWWA)
11
794
Visa) (1 photocopy)
photocopy)


borrower and spouse and Attorney-in-fact, if
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
12
795

1 photocopy)

photocopy)

For OFW members

13
796
Consulate

Pag-IBIG Fund
original copy)
FOR DEVELOPER
1. Original Owner’s Duplicate Copy of Latest Developer/ Registry of Deeds (RD)/ Land
Conformity) duly annotated thereon/
 In case of Lot
a. With minimum lot are of 28 square
meters
meters
c. Minimum lot width frontage of 3.5
meters
less than the 18 square meters, submit
Single Occupancy Permit from HLURB
2. One (1) Certified True Copy of Latest Transfer Developer /Registry of Deeds (RD)/Land
Certificate of Title (TCT)/ Condominium Registration Authority (LRA)
Certificate of Title (CCT)
14
797
immediately preceding the date of application (2
photocopies)

5. Mortgage Documents
SPA (With Buyer’s Conformity) duly
registered with Registry of Deeds and
bearing the original RD stamp (HQP-HLF-
b. Contract-to-Sell (HQP-HLF-161) (2 original Pag-IBIG Branch
copies)
c. Duly accomplished/Notarized Promissory Pag-IBIG Branch
Note (HQP-HLF-086/087) (3 original
copies)
d. Pre-signed Deed of Absolute Sale (HQP- Pag-IBIG Branch
HLF-525) (6 original copies)/ Pre-signed
Deed of Absolute Sale (HQP-HLF-278) (6
original copies) for developers with Joint
Venture Agreement/Special Power of
Attorney
e. Pre-signed Disclosure Statement on Loan Pag-IBIG Branch
copies)

photocopy)
8. Notarized Developer’s Sworn Certification Pag-IBIG Website (www.pagibigfund.gov.ph) or

(HQP-HLF-062) (1 original copy and 1 in any Pag-IBIG branch
photocopy)

15
798

original copy)

(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
16
799
4. If mode of payment is thru PDC, 12 Post- Issuing Bank
Dated Checks (PDCs)
CLIENT STEPS AGENCY ACTION FEES TO PROCESSIN PERSON
number and wait for
the number to be
called.
Loans Origination
(HBC)
authentication.
Form (POF, 2
copies) for the
payment of
processing fee and
Lump sum payment
of monthly savings

required fees at
Branch Support -
Branch and submit
the photocopy of
PFOR to Loans
Servicing – Loans
Origination/ Loans
Origination (HBC)
17
800
the required fees at based on the POF. Fee – PHP Branch Support -
Branch Support – 1,000 Branch
Branch once your
number is called.
3.1 Get the PFOR that 3.1 Generate and issue 30 Minutes
will be issued upon Pag-IBIG Fund
payment. Official Receipt
(PFOR).
Loans Servicing – Loans Servicing-
Loans Origination/ 4.1 Ensure that the None 15 Minutes Loans Origination/
Loans Origination member- Loans Origination
(HBC)
(HBC) applicant’s/
borrower’s name
4.1 Submit the PFOR and amount paid is
(photocopy) once correct.
your number is
called.

Receipt.
Acknowledgment of borrower’s profile Loans Servicing-
Receipt that will be in the system. Loans Origination/
issued to 7 Working Loans Origination
acknowledge the NOTE: The conduct Days (HBC)
receipt of the of Credit
borrower’s validation
and inspection of
property shall be
done
simultaneously.
Investigation Report Loans Origination
(HBC)
(HQP-HLF-075).
18
801
process signing of Loans Servicing-
Borrower’s Loans Origination/
Loans Origination
Validation Sheet
(HBC)
(BVS).
or

Employee/
a. The developer shall Frontline Service
coordinate and Provider
advise the member-
applicant/ borrower
on scheduled date
of validation
borrower shall
perform the
following:
- Present one (1)
valid ID to Credit
Investigator III
during the
conduct of
Borrower’s
Validation.
- Sign the
Borrower’s
Validation (BVS,
HQP-HLF-058)
and submit valid
ID (photocopy).

Project Evaluation
Appraisal (HQP-
Officer III
HLF-079). Property Valuation
Unit
19
802
NOTES:
on the scheduled
date of technical
inspection of
property.
b. Request the
of the Validation
Report (HQP-HLF-
158).

Loans Origination/
Loans Origination
(HBC)

Loan Application.

and member- Loans Servicing-
applicant/ borrower Loans Origination/
on the approval/ Loans Origination
disapproval of (HBC)
housing loan
application.
4.10 Process Request None 1 Working Day Data Encoder

for Payment. and 4 hours III/Mortgage Loans
Specialist**
Loans Evaluation-
Loans Origination/
Loans Origination
(HBC)
and
Approving
Authority
20
803
Disbursement and 4 hours
Voucher/ Check.

availability of Branch Support -
Check. Branch

number and wait for
the number to be
called.
6. Return to Branch 6. Receive the required None 1 Hour Check Release

Support - Branch, documents. Controller
submit the required Branch Support -
documents once 6.1 Validate identity of None Branch
your number is claimant against
called. valid ID and SPA (if
applicable).
by” portion of Check 6.2 Request to sign DV None
Register and secure and on “Received
the Check that will by” portion of Check
be issued. Register.
NOTE: Make sure to 6.3 Issue Check. None

submit the Official
Receipt (OR)
of loan proceeds.
20 Working
21
804

takeout

takeout

22
805
3. Initial/Final Release of Loan Proceeds to the Borrower/Seller under Retail
Accounts
of Approval.
This service shall start from the receipt of complied documents as stated in the Notice of Approval up
to availability of Check for initial/final release of loan proceeds to the borrower/seller.
Office or Division:  Loans Servicing-Loans Origination/Loans Origination (HBC)

Center
Who may avail: This program is open to all borrowers who complied with the requirements
indicated in the Notice of Approval.
FOR PURCHASE OF LOT/RESIDENTIAL UNIT WITH TRANSFER COST
correction

correction
1
806
a. Deed of Absolute Sale duly registered with Member-Applicant/ Borrower
registered with Registry of Deeds with Original
RD stamp (HQP-HLF-162/163/632/633) (3
original copies)
c. Duly accomplished/notarized Promissory Note Pag-IBIG Branch
copy)
f. Letter of Guaranty with conformity of the seller Pag-IBIG Branch
(HQP-HLF-352/354, 1 original copy)
lien imposed by unexpired period of Section 4
Rule 74 of the Rules of Court (1 original copy)

salary deduction
correction
807
copy)
- In case of discrepancy in name and other Registry of Deeds
correction
with Registry of Deeds with Original RD stamp
(HQP-HLF-162/163/632/633) (3 original
copies)
with borrower’s conformity (HQP-HLF-085, 1
original copy)
d. Notice of Approval with borrower’s conformity Pag-IBIG Branch
(HQP-HLF-400, 1 original copy)

salary deduction
808
FOR PURCHASE OF LOT WITH HOUSE CONSTRUCTION/
FOR PURCHASE OF LOT WITH HOUSE CONSTRUCTION AND TRANSFER OF TITLE/
correction
copy)
correction
classified as residential and Updated Real Estate

a. Deed of Absolute Sale duly registered with Member-Applicant/Borrower
registered with Registry of Deeds with
Original RD stamp (HQP-HLF-
162/163/632/633) (3 original copies)
c. Duly accomplished/notarized Promissory Pag-IBIG Branch
copy)
f. Letter of Guaranty with conformity of the Pag-IBIG Branch
seller (HQP-HLF-352/354) (1 original copy)
809
g. Surety bond (for properties that are subject to Insurance Company
the lien imposed by Section 4 Rule 74 of the
Rules of Court (1 original copy)
5. Occupancy Permit (1 photocopy) Municipal’s Office/LGU


FOR REFINANCING
copy)
correction
mortgage) as of the quarter immediately preceding
the date of submission of documents in

with Registry of Deeds with original RD stamp
(HQP-HLF-162/163/632/633) (3 original copies)
c. Disclosure Statement on Loan Transaction with Pag-IBIG Branch
conformity of the borrower (HQP-HLF-085) (1
original copy)
5
810
originating financial institution (HQP-HLF-107,
1 original copy)
salary deduction
correction

copy)
correction
3. Updated Tax Declaration (House/s and Lot/s) Assessor’s Office/Municipal’s Office/ Local
Tax Receipt/s in the name of borrower/co-
811

a. Loan and Mortgage Agreement duly Pag-IBIG Branch
registered with Registry of Deeds with original
RD stamp (HQP-HLF-162/163/632/633) (3
original copies)
b. Duly accomplished/notarized Promissory Pag-IBIG Branch
originating financial institution (HQP-HLF-


salary deduction
8. Occupancy Permit (1 original copy) Municipal’s Office/LGU

10. For interim releases except for initial and final Member-applicant/ Borrower
7
812
FOR MEMBER-APPLICANT/
BORROWER/SELLER
1. Two (2) valid IDs of the Payee/s (1 photocopy

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)

1. Two (2) valid IDs of Payee/Representative/
Attorney-in-Fact (1 photocopy each, back-to-
back)
8
813
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)

Represented
For OFW Members
 SPA notarized prior to date of departure with Person being represented
photocopy)
copy, 1 photocopy)
Consulate.
9
814
BANK’S NAME
2. Official Receipt issued by the Developer/ Developer/Issuing Bank
original copy)
3. Two (2) valid IDs of Authorized Representative (1
photocopy each, back-to-back). Any of the
following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
10
815
Information Officer number for the Office
number and wait for
the number to be
called.
Loans Origination
(HBC)
2.1 Get the 2.1 Check if with existing None 25 Minutes

Acknowledgement housing account,
Receipt for NOA ensure that the
Compliance that will account is updated.
be issued.
NOTE: In case with
NOTE: If the existing arrearages, inform
housing account is the member-
in arrears, make applicant/ borrower to
sure to pay the pay the arrearages at
arrearages at Branch Support-
Branch Support- Branch for the
Branch and submit account to be
the photocopy of updated.
PFOR to Loans
Servicing-Loans 2.2 Accomplish and None 15 Minutes
Origination/ Loans issue
Origination (HBC). Acknowledgement
Receipt for NOA
Compliance.
11
816
2.3 Check and review the None 3 Working Mortgage Loans
documents submitted Days and 3 Specialist**
in compliance with Hours Loans
NOA. Evaluation-Loans
Origination/Loans
Origination
(HBC)

Payment. and 4 Hours III/Mortgage
Loans
Specialist**
Loans
Evaluation-Loans
Origination/Loans
Origination
(HBC)
and
Approving
Authority
Loans Origination
Group (LOG)

Disbursement and 4 Hours
Voucher/Check.
2.6 Inform the borrower/ None 1 Hour Check Release

seller on the Controller
availability of check. Branch Support-
Branch

and get a queue desired transaction
number and wait for
the number to be
called.

documents once your 4.1 Validate identity of None 15 Minutes Branch
number is called. claimant against
Register and secure
issued.
12
817
NOTE: If the payee is and on “Received
a developer/juridical by” portion of Check
entity/association, Register.
make sure to submit
the Official Receipt 4.3 Issue Check. None 15 Minutes
(OR) representing
receipt of loan
proceeds.
7 Working
TOTAL: None
Days

takeout
13
818
4. Process Request for Inspection of Property (For accounts with House
Construction/ Home Improvement)
The borrower shall request for the inspection of the property to process the subsequent/final release
of the loan proceeds. It shall be released provided that the other existing Pag-IBIG housing account
of the borrower is still updated. The loan release shall be in accordance with the progress of
construction/improvement work.
This service shall start from the receipt of letter request for inspection up to availability of
Construction Progress Report/Final Appraiser’s Statement.

purposes:
 Refinancing with House Construction/Home Improvement

A. REQUIREMENTS PRIOR TO STAGGERED LOAN RELEASE
FOR PURCHASE OF RESIDENTIAL UNIT WITH HOME IMPROVEMENT
1. Letter Request for inspection Member-Applicant/ Borrower
2. Pictures of the actual construction Member-Applicant/ Borrower

1. Submit Letter request 1. Receive Letter request None 4 Hours Mortgage Loans
for inspection and for inspection and Specialist**
pictures of actual endorse to Property Loans Servicing -
construction thru Valuation Unit. Loan Origination/
email. Loans
Origination
(HBC)
NOTE: The borrower may 1.1 Conduct technical None 5 Working Property
request for inspection inspection. Days Appraiser II/
of property thru Project
telephone. Development
Officer III/
Project
Evaluation
Officer III
819
Property
Valuation Unit
NOTE:
a. Inform the member-
applicant/ borrower on
property.
a.1 In case of cancelled

inspection due to
force majeure (i.e.
typhoon, flood,
etc.), inform the
member-applicant.
1.2 Generate and None 1 Working Day Property

facilitate the signing Appraiser II/
Project
of Construction Development
Progress Report Officer III/
(CPR, HQP-HLF-473) Project
and endorse to Loans Evaluation
Officer III
Servicing – Loans Property
Origination/ Loans Valuation Unit
Origination (HBC).
Proceed to the
Subsequent Release
of Loan Proceeds to
the Borrower for
accounts with
House Construction/
Home Improvement.
If the house
construction or home
improvement is 90%
completed, generate
and facilitate the
signing of Final
Appraiser’s Statement
(HQP-HLF-418) and
endorse to Loans
Servicing – Loans
Origination/ Loans
Origination (HBC).
2
820
Proceed to the
Initial/Final Release
of Loan Proceeds to
the Borrower/Seller
under Retail
Accounts
1.3 Endorse CPR/FAS to None 4 Hours Mortgage Loans

LED I. Specialist**
Loans Servicing -
Loan Origination/
Loans
Origination
(HBC)
None 7 Working
TOTAL:
Days
PHP1,000 - For every inspection in excess of four (4) inspections for accounts
with staggered releases (e.g. home improvement and house
construction), to be deducted from the final loan release.
3
821
5. Receive and Approve/Disapprove Housing Loan Application under Regular
Developer

loan.

availability of Notice of Approval/Notice of Disapproval and Loan Documents.

Who may avail: The program shall be open to Accredited Regular Developers who satisfies
 Complete Documentation Compliance Ratio (CDCR, previously
known as Quality of Mortgage Documents Ratio or QMD) - At least
ninety five percent (95%) of the total number of accounts delivered as
of the quarter prior to date of evaluation are properly documented.
 Unit Specifications Compliance Ratio (USCR, previously known as
Quality of Units Ratio or QUR) - At least ninety percent (90%) of the
total number of accounts delivered as of the quarter prior to date of
evaluation has passed inspection.
 Conversion Performance - If applicable, at least ninety percent (90%)
of accounts taken out under Circular Nos. 259, 287 and 298 that are
due for conversion as of the quarter prior to date of application are
already converted.
 A developer who is able to submit a copy of proof of payment to
the BIR (for Expanded Withholding Tax and Documentary
Stam_p Tax) and the City/Municipal Assessor's Office (for
Transfer Tax) shall be deemed as having substantially complied
with the conversion requirement. The original receipts must be
presented for authentication purposes.
 Within thirty (30) working days from presentation of such proof,
the developer must submit a copy of the Certificate Authorizing
822
Registration (CAR) to the Fund. In case there are delays on
the issuance of the CAR on the part of the BlR, the developer shall
submit a report to the Fund relative to the affected accounts.
Within fifteen (15) working days thereafter, the developer must
also submit a copy of proof of payment to the Registry of Deeds.
 For the accounts subject of substantial compliance to be
considered as fully converted, the Transfer/Condominium
Certificate of Title (TCT/CCT) must be transferred in the name of
the borrower, the Real Estate Mortgage properly annotated
thereon, and the said TCTs/CCTs returned to the Fund.
 Performing Accounts Ratio (PAR) -At least eighty five percent (85%)
of the accounts that are taken out in the last 24 months prior to date
of application are not in arrears for more than three (3) months at point
of evaluation.
acceptable.
employer.
2. Proof of Income
Compensation (CEC), indicating the
gross monthly income and monthly
allowances or monthly monetary benefits
received by the employee (1 original
copy) duly signed by the authorized
823
(1 photocopy)

deduction, the original copy of
One (1) Month Payslip, within the
last three (3) months prior to date
submitted together with CEC or
ITR as mentioned above.

location


824
and details of credit investigator from
Pag-IBIG Fund)


photocopy)

Barangay Secretary,
Barangay Captain
Department of
Environment and
Natural Resources
Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
825
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
months).

of the following:

or
months

826


photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)


(PRC) ID
Clearance
(GSIS) e-Card
827
(OWWA) ID (OWWA)
(POEA)
- Alien Certification of Bureau of Immigration (BI)
Registration
(DSWD)
and 1 photocopy)
photocopy)

108) (1 original copy) in any Pag-IBIG Branch

828

Pag-IBIG Fund
multiple housing in Pag-IBIG Fund.(1
original copy)
FACT
photo of borrower/co-borrower (if applicable)
(2 original copies). Computer generated or
employer.
2. Proof of Income
829
photocopy)

copy).
above.

location


830

Barangay Captain
Department of
Resources (DENR)/
Department of Agriculture
(DA)/ Local Government
Unit (LGU)/ Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
10
831
Barangay Captain or
Barangay Secretary,
Barangay Captain
months).

the following:

or Post
 POEA Standard Contract (1 Photocopy) Borrower/POEA/Philippine Consular Office at
Post

months

copy); or

11
832
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
12
833
(DSWD)
and 1 photocopy)
photocopy)

108) (1 original copy) in any Pag-IBIG Branch/Person being
represented

For OFW members

13
834
8. Authority to Deduct Loan Amortization (HQP- Pag-IBIG Branch/

HLF-124/634) (1 original copy) for employees Person being Represented

Pag-IBIG Fund
original copy)
FOR DEVELOPER
original copy) or Softcopy of Borrower’s
Profile

Venture)/Condominium Certificate of Title
(CCT) in the name of the developer or land
Owner, (in case of Joint Venture), subject to
the following:
 In case of Lot
meters
14
835
meters

(2 photocopies)

the number to be
called.

your number is documents and Loans Servicing-
called. check for Loans Origination/
completeness. Loans Origination
(HBC)
Verification.

issue Payment
Order form (POF, 2
copies) for the
payment of
processing fee and
lump sum payment
15
836
of monthly savings

required fees at
Branch Support -
Branch and submit
the photocopy of
PFOR to Loans
Servicing – Loans
Origination/ Loans
Origination (HBC)

pay the required payment based on Fee – PHP Branch Support -
fees at Branch the POF. 1,000 Branch
Support – Branch
once your number
is called.
3.1 Get the PFOR that 3.1 Generate and 30 Minutes

will be issued upon issue Pag-IBIG
payment. Fund Official
Receipt (PFOR).

Loans Origination member- Loans Origination
(HBC)
(HBC). applicant’s/
borrower’s name
4.1 Submit the PFOR
and amount paid is
(photocopy) once
correct.
your number is
called.
Receipt.
Acknowledgment softcopy of Loans Servicing-
Receipt that will be borrower’s profile Loans Origination/
issued to in the system. Loans Origination
acknowledge the (HBC)
16
837
receipt of the NOTE: The 9 Working
documents. conduct of Credit Days
Investigation,
borrower’s
validation and
inspection of
property shall be
done
simultaneously.

Loans Origination
Investigation
(HBC)
Report (HQP-HLF-
075).
Borrower’s III**
Validation and Loans Servicing-
process signing of Loans Origination/
Borrower’s Loans Origination
(HBC)
Validation Sheet
(BVS).
NOTES: or
a. The conduct of
Borrower’s Pag-IBIG Fund
Employee/
Validation may also Frontline Service
be done any time Provider
prior to
endorsement of
Loan Documents
coordinate and
advise the member-
applicant/borrower
on scheduled date
of validation.
borrower shall
17
838
perform the
following:
 Present one (1)
valid ID to Credit
Investigator III
during the
conduct of
Borrower’s
Validation.
 Sign the
Borrower’s
Validation (BVS,
HQP-HLF-058)
and submit valid
ID (photocopy).

Project Evaluation
Appraisal (HQP-
Officer III
HLF-079).
Property Valuation
Unit
NOTES:
a. The conduct of
may be done any
time prior to
submission of post-
approval
documents.
b. Inform the
developer on the
scheduled date of
technical
inspection of
property.
c. Request the
developer to sign
the “Conforme”
portion of the
18
839
Validation Report
(HQP-HLF-158).

Loans Origination/
Loans Origination
(HBC)

Housing Loan Loans Origination
Application. Group (LOG)

developer and Loans Servicing-
member-applicant/ Loans Origination/
borrower on the Loans Origination
approval/ (Hbc)
disapproval of
housing loan
application.

number and wait for
the number to be
called.
Servicing – Loans following:
Origination/ Loans
Origination (HBC) 6.1 Explain the None 1 Hour Mortgage Loans
and get the corresponding Specialist**
following: documentary Loans Servicing-
 Notice of requirements and Loans Origination/
Approval (2 Loans Origination
procedures to be
copies) (HBC)
undertaken.
 Disclosure
Statement on 6.2 Advise to request None 15 Minutes
Loan the borrower to sign
Transaction “Conforme” portion
(DSLT, 2 copies) of the NOA and sign
19
840
 Promissory Note the DSLT, PN,
(PN, 7 copies) DOAS and
 Deed of DCS/LMA.
Conditional Sale
(DCS, 7 copies)/ 6.3 Issue the NOA and None 15 Minutes
Loan and loan documents.
Mortgage
Agreement NOTE: For disapproved
(LMA, 7 copies) application,
 Deed of perform the
Absolute Sale following:
(DOAS, 7
copies)
 Explain the
NOTES: reason for
a. The borrower must disapproval.
sign the “Conforme”  Issue Notice of
portion of the NOA Disapproval
and sign the DSLT, (NOD, HQP-
PN, DOAS and HLF-154) and
DCS/LMA. required
documents
b. The developer must
submitted by
comply all the
the developer
requirements
and member-
indicated in the
applicant/
NOA to be
borrower.
submitted to Loans
Servicing – Loans
Origination/ Loans
Origination (HBC)
within 90 days from
date of NOA.
Proceed to
Citizens Charter
on Release of
Loan Proceeds to
the Regular
Developer through
Check.
20 Working
OTHER FEES20
AND CHARGES

loan application.
841
6. Receive and Approve/Disapprove Housing Loan Application under Retail Accounts
square meters;
slot, which may be:
- Old or brand new;

- A property mortgaged with the Fund; or
 Construction or completion of a residential unit on a residential lot owned by the borrower or a

relative of the borrower based on accommodation of mortgage;
 Home improvement on the house owned by the borrower or a relative of the borrower based on
accommodation of mortgage, or on a property currently secured under a Contract-to-Sell (CTS) or
Deed of Conditional Sale (DCS) between Pag-IBIG Fund and the buyer, i.e. any alteration in an
existing residential unit intended by the borrower to be a permanent integral part thereof, which
will enhance its durability and material value;
 Refinancing of an existing housing loan; provided, that the borrower must be regularly paying
without any payment made beyond thirty (30) days past due for the last six (6) months from the
date of application; or
 Combination of loan purposes, which shall not be limited to the following:
Purchase of a fully developed lot not exceeding 1,000 square meters and construction of a
residential unit thereon;
Purchase of a residential unit, whether old or new, with home improvement;
Refinancing of an existing mortgage with home improvement; or
Refinancing of an existing mortgage, specifically a lot loan, with construction of a residential unit
thereon.
 Combination of loan purposes plus cost of transfer of title, which shall not be limited to the following:
 Purchase of residential unit and transfer of title in favor of the borrower;

 Purchase of a residential unit with home improvement, and transfer of title in favor of the
borrower;
1
842
 Purchase of residential lot and transfer of title in favor of the borrower;
 Purchase of residential lot with house construction, and transfer of title in favor of borrower.

Center
requirement:
 Must be an active member under the Pag-IBIG I Membership
 A member, whose monthly savings are still short of the required
 A non-member who wishes to apply for a housing loan program may
843
FOR PURCHASE OF LOT/RESIDENTIAL UNIT AND TRANSFER OF TITLE

2. Proof of Income

photocopy).

signatory of employer (1 certified true copy)
be paying their loan amortization through
salary deduction, the original copy of one
(1) Month Payslip, within the last three
(3) months prior to date of loan
application, must be submitted together
with CEC or ITR as mentioned above.
844




845
Barangay Secretary,
Barangay Captain
Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
846

the following:
Post
Post

months

copy); or
by a photocopy of the employer’s ID;


photocopy) (OWWA)
Visa) (1 photocopy)
847
photocopy)


Spouse, Co-Borrower and Spouse, Seller/s
and Spouse/s. Any of the following:
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

848
photocopy)
 In case of lot
meters
meters
meters

only) (1 photocopy)

 One (1) valid ID of the Corporate Developer/Corporation/Association

Secretary and Authorized Signatory of the
Developer/ Corporation/ Association (1
photocopy, back-to-back)
(2 photocopies)

the buyer and seller/s (1 original copy)
8. Vicinity Map/Sketch of the Location of Property Google Maps/Borrower’s Sketch of the Property
showing landmarks (1 original copy)
849
photocopy)
Pag-IBIG Fund
original copy)

2. 2. Proof of Income
850

(1 photocopy).

above.

location.
b. Commission Voucher (1 photocopy) or Employer/Business Owner/ Source of


10
851


Barangay Secretary,
Barangay Captain
Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Captain or Barangay
Secretary, provided
with written
11
852
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain


the following:

months
12
853
copy); or
copy)


photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

Spouse, Co-Borrower and Spouse, Seller and
Spouse and Attorney-In-Fact. Any of the
following:
(PRC) ID
Clearance
(GSIS) e-Card
13
854
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)

photocopy)
Title (TCT)/ Condominium Certificate of Title
pages of the title)
 In case of lot
meters with access road, minimum
width of 1.5 meters
b. minimum lot width frontage of 3.5
meters
14
855
Registration (Applicable to Developer only)
(1 photocopy)


back-to-back)
(2 photocopies)

the buyer and seller (1 original copy)


15
856
For OFW Members
Pag-IBIG Fund
original copy)
16
857
2. Proof of Income

(1 photocopy).

above.

location.

17
858



Barangay Secretary,
Barangay Captain
Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/Barangay
Captain or Barangay
Secretary, provided
with written
Barangay Captain
18
859
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain

months).

the following:
19
860
months

copy); or
copy)

photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

title (for accommodation mortgage)
(PRC) ID
Clearance
20
861
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)

Certificate of Title (OCT)/ Transfer Certificate
of Title (TCT)/ Condominium Certificate of Title
(CCT) etc.) (2 complete photocopies of all the
 In case of lot
meters
meters
meters
21
862
(2 photocopies)



(1 photocopy)

Pag-IBIG Fund
original copy)
22
863
FACT

2. Proof of Income

(1 photocopy).

23
864
as mentioned above.

location.



24
865
Barangay Secretary,
authorization from
the Barangay
Captain
(DAR)/ Department
of Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Social and Personal Owner/Person by
Service Activities Barangay Captain or
Barangay Secretary,
provided
25
866
availing of the
with written
Barangay Captain
months).

the following:
 Employment Contract between employee Borrower/POEA, Philippine Consular Office at
 POEA Standard Contract Borrower/POEA, Philippine Consular Office at

months

copy); or
copy)

photocopy) (OWWA)
26
867
Visa) (1 photocopy)
photocopy)

Title (for accommodation mortgage) and
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)
27
868
Certificate of Title (TCT)/ Condominium
photocopies of all the pages of the title).
 In case of lot
meters
meters
meters
(2 photocopies)



(1 photocopy)
28
869
For OFW Members


Pag-IBIG Fund
original copy)
29
870
FOR PURCHASE OF LOT WITH HOUSE CONSTRUCTION AND TRANSFER OF TITLE
2. Proof of Income

photocopy).

signatory of employer. (1 certified true copy)
original copy One (1) Month
30
871
mentioned above.
Financial Statements (1 original copy), and City Hall

(1 original copy)



issued by appropriate government agency Regulatory Board (LTFRB)/Maritime Industry
(LGU for tricycles, LTFRB for other PUVs, Authority (MARINA)

Barangay Secretary,
31
872
authorization from
Barangay Captain
Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/Barangay
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
months).
32
873

the following:


months

copy); or
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

33
874
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)
photocopy)
5. Latest title in the name of the seller/s i.e Original Registry of Deeds (RD)/Land Registration
(CCT) etc) (2 complete photocopies of all
34
875
 In case of lot
meters
meters
meters

only) (1 photocopy)
back-to-back)
(2 photocopies)

Materials duly signed by the Owner/s and
Licensed Civil Engineer or Architect (1 original
copy)

35
876
photocopy)
Pag-IBIG Fund
original copy)
FACT
2. Proof of Income
36
877
(1 photocopy).

copy or One (1) Month Payslip, within
above.

location.


37
878


Barangay Secretary,
authorization from
the Barangay
Captain
(DAR)/ Department
of Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
authorization from
38
879
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
months).

the following:

39
880
months
copy); or
copy)


photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

(PRC) ID
Clearance
(GSIS) e-Card
40
881
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)
photocopy)
5. Latest title in the name of the seller/s i.e Original Registry of Deeds (RD)/ Land Registration
(CCT) etc. (2 complete photocopies of all pages
of the title).
 In case of lot
meters
meters
meters
41
882
only) (1 photocopy)


back-to-back)
(2 photocopies)



42
883
For OFW Members

Pag-IBIG Fund
original copy)
FOR REFINANCING
43
884
2. Proof of Income

(1 photocopy).

mentioned above.

location.

44
885



Barangay Secretary,
authorization from
the Barangay
Captain
(DAR)/ Department
of Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
authorization from
the Barangay
Captain
45
886
Captain or Barangay
Secretary, provided
with written
Barangay Captain
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
months).

the following:

46
887
months

copy); or
copy)
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

following:
(PRC) ID
Clearance
47
888
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

relative (in case of accommodation mortgage) Authority (LRA)
(i.e Original Certificate of Title (OCT)/Transfer
Certificate of Title (TCT)/Condominium
photocopies of all pages of the title).
 In case of lot
meters
meters
meters
48
889
encumbrances
(2 photocopies)

(1 photocopy)

photocopy)
49
890
Pag-IBIG Fund
original copy)
FACT
employer.
2. Proof of Income
notarize the said with signature of the
authorized signatory of the employer.

(1 original copy).
50
891
submitted together with CEC or ITR as
mentioned above.

location.



51
892

Barangay Secretary,
authorization from
the Barangay
Captain
(DAR)/ Department
of Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
52
893
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
months).

the following:


months

copy); or
copy)
53
894
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

and Spouse, Owner of Title (for
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)
54
895
 In case of lot
meters
meters
meters
encumbrances
(2 photocopies)
55
896
be beyond 30 days.) (1 original copy)
(1 photocopy)
photocopy)
For OFW Members
56
897

Pag-IBIG Fund
original copy)

(HQP-HLF-068/069) with recent 1” x 1” ID in any Pag-IBIG Branch
employer.
2. Proof of Income
57
898
(1 photocopy).

mentioned above.

location.


58
899

Barangay Secretary,
authorization from
the Barangay
Captain
(DAR)/ Department
of Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/
Barangay Captain or
Barangay Secretary,
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
59
900
Captain or Barangay
Secretary, provided
with written
Barangay Captain
by Barangay Captain
or Barangay
Secretary, provided
with written
Barangay Captain
months).
BIR Form No. 2307 (1 photocopy) to

the following:

months

copy); or
60
901
copy)

photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

following:
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
61
902
Registration
(DSWD)

 In case of lot
meters
meters
meters
encumbrances
62
903
(2 photocopies)


photocopy)

Pag-IBIG Fund
63
904
original copy)
FACT
with recent 1” x 1” ID photo of borrower/co- in any Pag-IBIG Branch
borrower (if applicable) (HQP-HLF-068/069) (2
2. Proof of Income

(1 photocopy).

64
905
NOTE: For government employees who will be
paying their loan amortization through
salary deduction, the original copy of
One (1) Month Payslip, within the last
mentioned above.

1701) duly certified by BIR, Audited of Trade and Industry (DTI)/ Municipal’s Office
location.



65
906
Owner Authorized to
Certify
Barangay Secretary,
authorization from
Barangay Captain
(DAR)/ Department
of Environment and
Natural Resources
(DENR)/ Department
Local Government
Unit (LGU)/ Land
Owner/ Barangay
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
Captain or Barangay
Secretary, provided
with written
authorization from
the Barangay
Captain
by Barangay Captain
or Barangay
66
907
Secretary, provided
with written
Barangay Captain
months).

the following:


months
copy); or
copy)

photocopy) (OWWA)
67
908
Visa) (1 photocopy)
photocopy)

and Spouse, Owner of the title (for
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
Registration
(DSWD)
68
909
 In case of lot
meters
meters
meters
encumbrances
(2 copies, photocopy)
7. Latest Statement of Account indicating the

69
910
 Subsidiary Ledger (It reflect the due date and Issuing Bank



photocopy)

For OFW Members

entry and/or exit date to/from the

70
911

Pag-IBIG Fund
original copy)
number and wait for
the number to be
called.

documents once required documents Specialist**
your number is and check for Loans Servicing-
called. completeness. Loans Origination/
Loans Origination
2.1 Present the original 2.1 Conduct None 30 Minutes (HBC)
authentication.
will be issued. Payment Order form
(POF, 2 copies) for
the payment of
processing fee,
appraisal fee and
71
912
lumpsum payment
of monthly savings
2.3 Advise member- None 15 Minutes

applicant/ borrower
to pay the required
fees at Branch
Support-Branch and
submit the
photocopy of PFOR
to Loans Servicing-
Loans Origination/
Loans Origination
(HBC)
3. Present POF and 3. Accept the payment Processing 30 Minutes Cashier

pay the required based on the POF. Fee – PHP Branch Support -
fees at Branch 1,000 Branch
Support-Branch
once your number is
called.
3.1 Get the PFOR that 3.1 Generate and issue Appraisal 30 Minutes
will be issued upon Pag-IBIG Fund Fee – PHP
payment. Official Receipt 2,000
(PFOR).

Loans Servicing- Loans Servicing-
Loans Origination
Loans Origination member-applicant’s/
(HBC)
(HBC). borrower’s name
and amount paid is
4.1Submit the PFOR correct.
(photocopy) once
your number is 4.2 Accomplish and None 30 Minutes
called. issue HLA
Acknowledgement
4.2Present the original Receipt.
copy of the PFOR
for authentication.
72
913
4.3Get the HLA 4.3 Encode in the None 1 Working Day Data Encoder III**
Acknowledgment system the details in Loans Servicing-
Receipt that will be the HLA. Loans Origination/
issued to Loans Origination
(HBC)
acknowledge the NOTE: The conduct of 9 Working
receipt of the credit Days
documents. investigation
and technical
inspection shall
be done
simultaneously.

Loans Origination
(HBC)
(HQP-HLF-075).
4.5 Conduct technical None Property Appraiser

inspection and II/ Project
of Collateral Officer III/
Project Evaluation
Appraisal Report
Officer III
(CAR, HQP-HLF- Property Valuation
076)/Final Valuation Unit
Certification (HQP-
HLF-077).
*Inform the member-

property.
4.6Evaluate housing None 6 Working Mortgage Loans

loan application and Days Specialist**
generate the Notice Loans Evaluation-
of Approval and loan Loans Origination/
documents. Loans Origination
(HBC)
4.7Approve/Disapprove None 3 Working Approving

Housing Loan Days Authority
Application.
73
914
4.8Inform the member- None 1 Hour Data Encoder III**
applicant/ borrower Loans Servicing-
on the approval/ Loans Origination/
disapproval of Loans Origination
(HBC)
housing loan
application.

number and wait for
the number to be
called.
6. Return to Loans 6. Perform the Mortgage Loans

Servicing-Loans following: Specialist**
Origination/Loans Loans Servicing-
Origination (HBC) 6.1Explain the None 1 Hour Loans Origination/
and get the following corresponding Loans Origination
(HBC)
documents once documentary
your number is requirements and
called: procedures to be
- Notice of Approval undertaken.
(NOA, HQP-HLF-
400/401/402/403/ 6.2Advice the borrower None 15 Minutes
404/405/406, 2 to sign “Conforme”
copies) portion of the NOA
- Letter of Guaranty and sign the DSLT,
(LOG, HQP-HLF- LMA and PN.
107/352/354, 2
copies) 6.3Issue the NOA and None 15 Minutes
(applicable to all loan documents.
loan purposes
except for NOTE: For disapproved
Construction of application,
House and Home perform the
Improvement) following:
- Disclosure
Statement on  Explain the
Loan Transaction reason for
(DSLT, HQP-HLF- disapproval.
085, 2 copies)  Issue NOD
- Loan and and required
Mortgage documents
Agreement (LMA, submitted by
HQP-HLF- the member-
74
915
- 162/163/632/633, applicant/
3 copies) borrower.
- Promissory Note
(PN, HQP-HLF-
086/087, 7 copies)
* Make sure to sign
the “Conforme”
portion of the NOA
and sign the DSLT,
LMA and PN.
NOTE: The borrower

must comply
all the
requirements
indicated in the
NOA to be
submitted to
Loans
Servicing-
Loans
Origination/
Loans
Origination
(HBC) within
90 days from
date of
LOG/NOA.
Proceed to
the Citizens
Charter on
Initial/Final
Release of
Loan
Proceeds to
the Borrower/
Seller under
Retail
Accounts.
PHP 20 Working
TOTAL:
3,000.00 Days
75
916
PHP1,000 - To be charged for every re-filing or re-evaluation

of housing loan application.
PHP1,000 - For every inspection in excess of four (4)

inspections for accounts with staggered
releases (e.g. home improvement and house
construction), to be deducted from the final loan
release.
76
917
7. Receive and Approve/Disapprove Housing Loan Application under Window 2
Accounts
square meters;
slot, which may be:
- Old or brand new;

following:


 Loans Evaluation – Loans Origination/Loans Origination (HBC)

requirement:
918


acceptable.
2. Proof of Income
919
the employee (1 original copy) duly
signed by the authorized signatory of the

(1 photocopy)

mentioned above.


920
IBIG Fund)


photocopy)

Barangay Secretary,
Barangay Captain
Department of
Environment and
Natural Resources
Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
921
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
months).

of the following:

or
months
922


photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)


(PRC) ID
Clearance
923
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
and 1 photocopy)

photocopy)

924

Pag-IBIG Fund
oiginal copy)
FACT
acceptable.
2. Proof of Income
925
photocopy)

copy)
above.

location


926
e. Certified True Copy of Transport Local Government Unit (LGU)/ Land

government agency (LGU for tricycles, Board (LTFRB)/Maritime Industry Authority
LTFRB for other PUVs, MARINA for sea (MARINA)
photocopy)

Barangay Captain
Department of
Environment and
Natural Resources
Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
10
927
Barangay Captain or
Barangay Secretary,
Barangay Captain
months).

the following:

or Post
Post

months

copy); or
11
928

photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
12
929
- National Council for the Welfare of Disabled
National Council on Disability Affairs (NCDA)/
(DSWD)
and 1 photocopy)
photocopy)

For OFW members

13
930


Pag-IBIG Fund
original copy)
FOR DEVELOPER
(CCT) in the name of the Developer or Land
Owner,(in case of Joint Venture) subject to the
following:
- In case of Lot
meters
meters
14
931
- In case of Condominium Unit, with minimum
- Must be free from liens and encumbrances

(2 photocopies)

4. Pre-signed Deed of Assignment of CTS with Pag-IBIG Branch

SPA (With Buyer’s Conformity) (HQP-HLF-
5. Notarized Contract-to-Sell (HQP-HLF-161) (2 Pag-IBIG Branch

original copies)

photocopy)

the number to be
called.

your number is documents and Loans Servicing-
called. check for Loans Origination/
Loans Origination
completeness.
(HBC)
15
932
Verification.

issue Payment
Order form (POF, 2
copies) for the
payment of
processing fee and
lump sum payment
of monthly savings

required fees at
Branch Support -
Branch and submit
the photocopy of
PFOR to Loans
Servicing – Loans
Origination/ Loans
Origination (HBC)

pay the required payment based on Fee – PHP Branch Support -
fees at Branch the POF. 1,000 Branch
Support - Branch
once your number
is called. 3.1 Generate and issue 30 Minutes
Pag-IBIG Fund
Official Receipt
will be issued upon
payment.

Loans Origination Loans Origination
member-
(HBC)
(HBC) applicant’s/
borrower’s name
4.1 Submit the PFOR and amount paid is
(photocopy) once correct.
16
933
your number is
called.

Receipt.
Acknowledgment softcopy of Loans Servicing-
Receipt that will be borrower’s profile Loans Origination/
issued to in the system. Loans Origination
acknowledge the (HBC)
documents. Credit Days
Investigation,
borrower’s
validation and
inspection of
property shall
be done
simultaneously.

Investigation III**
and process the Loans Servicing-
signing of Credit Loans Origination/
Investigation Loans Origination
(HBC)
Report (HQP-
HLF-075).
17
934
Borrower’s III**
Validation and Loans Servicing-
process signing of Loans Origination/
Borrower’s Loans Origination
(HBC)
Validation Sheet
or
(BVS)
Pag-IBIG Fund
NOTES:
Employee/
a. The conduct of Frontline Service
Borrower’s Provider
Validation may also
be done any time
prior to
endorsement of
Loan Documents
coordinate and
advise the member-
applicant/borrower
on scheduled date
of validation.
borrower shall
perform the
following:
- Present one (1)
valid ID to Credit
Investigator III
during the
conduct of
Borrower’s
Validation.
- Sign the
Borrower’s
Validation (BVS,
HQP-HLF-058)
and submit valid
ID (photocopy).
18
935
Officer III
Appraisal (HQP-
Property Valuation
HLF-079). Unit
NOTES:
a. The conduct of
may be done any
time prior to
submission of post-
approval
documents
b. Inform the
developer on the
scheduled date of
of property.
c. Request the
developer to sign
the “Conforme”
portion of the
Validation Report
(HQP-HLF-158).

Loans Origination/
Loans Origination
(HBC)

Housing Loan
Application.
19
936
developer and Loans Servicing-
member-applicant/ Loans Origination/
borrower on the Loans Origination
approval/ (HBC)
disapproval of
housing loan
application.

number and wait for
the number to be
called.

the following:
- Notice of
copies) corresponding Specialist**
- Disclosure documentary Loans Servicing-
Statement on requirements and Loans Origination/
Loan procedures to be Loans Origination
Transaction undertaken. (HBC)
(DSLT, 2 copies)
- Deed of 6.2 Advise to request None 15 Minutes
Assignment of the borrower to
Contract-to-Sell sign “Conforme”
with Special portion of the NOA
Power of and sign the DSLT.
20
937
Attorney (DOA 6.3 Issue the NOA and None 15 Minutes
of CTS w/ SPA, loan documents.
6 copies)
NOTE: For disapproved
 application,
NOTES: perform the
a. The borrower must following:
sign the “Conforme”
portion of the NOA  Explain the
and sign the DSLT. reason for
b. The developer must disapproval.
comply all the  Issue Notice
requirements of
indicated in the NOA Disapproval
to be submitted to (NOD, HQP-
Servicing HLF-154)
Department within and required
90 days from date of documents
NOA. Proceed to submitted by
Citizens Charter on the
Release of Loan developer
Proceeds to the and member-
Developer through applicant/
Check. borrower.
20 Working

loan application.
21
938
8. Release of Loan Proceeds to the Developer through Check
of Approval.
up to availability of Check for the release of loan proceeds to the developer.
Office or Division:  Loans Servicing-Loans Origination/ Loans Origination (HBC)

 Loans Evaluation-Loans Origination/ Loans Origination (HBC)
1. Individual TCT/CCT covering the subject house Registry of Deeds
and lot package/condominium unit with Deed of
Conformity) duly annotated thereon (Owner’s
Duplicate Copy) (1 original copy)
correction
2. TCT/CCT covering the subject property ( Certified Registry of Deeds
True Copy) in the name of the developer or owner
of land, in case of Joint Venture, free from any lien
and/or encumbrances, except for the mortgage
annotation of Pag-IBIG Fund (RD’s Copy) (1
original copy)
correction
3. Updated Tax Declaration (House/s and Lot/s) and Assessor’s Office/ Municipal’s Office/Local
Updated Real Estate Tax Receipt as of the quarter Government Unit (LGU)
immediately preceding the date of submission of
photocopies)
939
SPA (With Buyer’s Conformity) duly registered
with Registry of Deeds and bearing the
original RD stamp (HQP-HLF-524) (3 original
copies)
b. Duly Notarized Promissory Note (HQP-HLF- Pag-IBIG Branch
c. Pre-signed Deed of Absolute Sale (6 original Pag-IBIG Branch
copies)/ Pre-signed Deed of Absolute Sale
(HQP-HLF-278) (6 original copies) for
developers with Joint Venture
Agreement/Special Power of Attorney
085) (1 original copy and 2 photocopies)
the borrower (HQP-HLF-522) (1 original copy
and 2 photocopies)


salary deduction

original copy)

940
Country)
ID
Clearance
(OWWA) ID (OWWA)
Development (DSWD)
4. If mode of payment is thru PDC, 12 Post-Dated Issuing Bank

Checks (PDCs)
and wait for the
941
documents once your required documents Specialist**
number is called. and check for Loans Servicing-
completeness. Loans
Origination/
Loans Origination
(HBC)

Receipt for NOA account, ensure
Compliance that will that the account is
be issued updated.

Branch Support - to pay the arrearages
Branch and submit the at Branch Support -
photocopy of PFOR at Branch for the
Loans Servicing – account to be
Loans Origination/ updated.
Loans Origination
(HBC).

issue
Acknowledgement
Receipt for NOA
Compliance.

submitted in Hours Loans
compliance with Evaluation-
NOA. Loans
Origination/
Loans Origination
(HBC)

Loans
Specialist**
Loans
Evaluation-
Loans
942
Origination/
2.5 Process None 1 Working Day Loans Origination
Disbursement and 4 Hours (HBC)
Voucher/Check.
and
Approving
Authority

Check. Branch Support –
Branch

number and wait for
the number to be
called.

submit the required Branch Support –
number is called.
4.1 Validate identity of None 15 Minutes
4.1Sign the “Received by” claimant against
portion of Check valid ID and SPA (if
Register and secure applicable).
issued. 4.2 Request to sign DV None 10 Minutes
and on “Received
NOTE: Make sure to by” portion of
submit the Official Check Register.
Receipt (OR)
representing receipt of 4.3 Issue Check. None 15 Minutes
loan proceeds.
7 Working
TOTAL: None
Days

takeout
PHP1,000 - Appraisal fee to be deducted

5 from the loan proceeds upon
takeout

943
9. Release of Loan Proceeds to the Regular Developer through Check
of Approval.
up to availability of Check.


1. TCT/CCT covering the subject property in the Registry of Deeds
name of Pag-IBIG Fund or the borrower (1 original
copy)
correction
2. Security Documents
a. Deed of Absolute Sale executed by Developer Pag-IBIG Branch
in favor of the Pag-IBIG Fund or the borrower,
as the case may be (HQP-HLF-236/237) (7
original copies)
b. Deed of Conditional Sale (HQP-HLF-234/235) Pag-IBIG Branch

between Pag-IBIG Fund and the borrower, if
TCT/CCT is still under the name of Pag-IBIG
Fund or Loan Mortgage Agreement if
TCT/CCT is under the name of the borrower
944
c. Duly notarized Promissory Note (HQP-HLF- Pag-IBIG Branch
d. Signed Disclosure Statement on Loan Pag-IBIG Branch

Transaction (HQP-HLF-085) with conformity
of the borrower (1 original copy and 2
photocopies)

copy and 2 photocopies)
3. Updated Tax Declaration on the Land in the name Assessor’s Office/ Municipal’s Office/Local
of Pag-IBIG Fund or the borrower (1 photocopy) Government Unit (LGU)
4. Updated Tax Declaration on the improvements in Assessor’s Office/ Municipal’s Office/Local

the name of Pag-IBIG Fund or the borrower (1 Government Unit (LGU)
photocopy)
5. Updated Real Estate Tax Receipt as of the quarter Assessor’s Office/ Municipal’s Office/Local
immediately preceding the date of submission of Government Unit (LGU)
photocopy)

8. Transfer Tax Receipt for Lot and Building (1 Assessor’s Office/Municipal’s Office/LGU
photocopy)

original copy)

945
Country)
ID
Clearance
(OWWA) ID (OWWA)
Development (DSWD)
Checks (PDCs)
and wait for the
946
completeness. Loans
Origination/
Loans Origination
2.1 Get the 2.1 Check if with None 25 Minutes (HBC)
Receipt for NOA account, ensure that
Compliance that will the account is
be issued. updated.

Branch Support-Branch to pay the arrearages
and submit the at Branch Support-
photocopy of PFOR at Branch for the
Loans Servicing-Loans account to be
Origination/Loans updated.
Origination (HBC)
issue
Acknowledgement
Receipt for NOA
Compliance.

submitted in Hours Loans
compliance with Evaluation-Loans
NOA. Origination/Loans
Origination
(HBC)

Loans
Specialist**
Loans
Evaluation-Loans
Origination/Loans
Origination
(HBC)
and
947
2.5 Process None 1 Working Day Approving
Disbursement and 4 Hours Authority
Voucher/Check.

Check. Branch Support-
Branch
number and wait for
the number to be
called.
documents once your 4.1 Validate identity of None 15 Minutes Branch
number is called. claimant against
4.1Sign the “Received by” applicable).
portion of Check
Register and secure 4.2 Request to sign DV None 10 Minutes
the Check that will be and on “Received
issued. by” portion of
Check Register.
NOTE: Make sure to
submit the Official 4.3 Issue Check. None 15 Minutes
Receipt (OR)
loan proceeds.
7 Working
TOTAL: None
Days

takeout

takeout

5
948
10. Subsequent Release of Loan Proceeds to the Borrower for accounts with House
Construction/ Home Improvement
Subsequent loan proceeds shall be released provided that your other existing Pag-IBIG housing
account is still updated. The loan release shall be in accordance with the progress of
construction/improvement work. The construction/improvement must be completed within six (6)
months or extension, as the case may be, from the date of initial loan release, otherwise, the account
shall be considered constructively taken out as of the end of the prescribed period. Thus, the loan
value shall be equivalent to the sum of all amounts released within the prescribed period, including
applicable interim interests.
This service shall start from the receipt of Construction Progress Report (CPR) up to availability of
Check for subsequent release of loan proceeds to the borrower.
Office or Division:  Loans Evaluation – Loans Origination/ Loans Origination (HBC)

Center
purposes:
 Refinancing with House Construction/ Home Improvement

1. Two (2) valid IDs of the Payee/s (1 photocopy Borrower/Spouse

ID
Clearance
(GSIS) e-Card
949
(OWWA) ID (OWWA)
Development (DSWD)
1. Two (2) original valid IDs of Payee/
Representative/Attorney-in-Fact (1 photocopy
each, back-to-back)
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
950
Development (DSWD)
2. Notarized Special Power of Attorney (SPA) Pag-IBIG Website (www.pagibigfund.gov.ph),

Represented
For OFW Members

original copy, 1 photocopy
copy, 1 photocopy)
Consulate.

BANK’S NAME

original copy)
3
951
3. Two (2) valid IDs of Authorized Representative Member-applicant/Borrower
(1 photocopy each, back-to-back). Any of the
following:
ID
Clearance
(GSIS) e-Card
- Senior Citizen Card Local Government Unit (LGU)/ / Office of
(OWWA) ID (OWWA)
Development (DSWD)
4
952
1. Receive Construction None 10 Minutes Mortgage Loans
Progress Report Specialist**
(CPR, HQP-HLF-473) Loans Evaluation
from Loans Servicing - Loans
Origination/
– Loans Origination/
Loans
Loans Origination Origination
(HBC). (HBC)
1.1 Evaluate the House None 3 Working Days Approving

Construction/ Home Authority
Improvement housing
Loan.

Loans
Specialist**
Loans Evaluation
1.3 Process None 1 Working Day - Loans
Disbursement and 4 Hours Origination/
Voucher/Check. Loans
Origination
(HBC)
and
Approving
Authority
borrower/seller on the Controller
availability of Check. Branch Support –
Branch

and wait for the
953
submit the required Branch Support –
number is called.
3.1 Sign the “Received 3.1 Validate identity of None 15 Minutes

by” portion of Check claimant against valid
Register and secure ID and SPA (if
the Check that will be applicable).
issued. 15 Minutes
3.2 Request to sign DV None
and on “Received by”
portion of Check
Register.
None 15 Minutes
3.3 Issue Check.
6 Working
None
TOTAL: Days, 3 Hours
and 10 Minutes
*Time indicated includes waiting time of the transacting client and shall depends on the number on queue.
PHP2,000 - To be charged as Handling Fee per additional Check issued for

split payment of loan proceeds.
PHP1,000 - For every inspection in excess of four (4) inspections for

accounts with staggered releases (e.g. home improvement and
house construction), to be deducted from the final loan release.
6
954
LOANS REMEDIATION
(NCR)
EXTERNAL SERVICES
955
1. Application for Loan Restructuring of Accounts
This housing loan restructuring program aims to assist delinquent borrowers/installment buyers
whose accounts are at least three (3) months in arrears to preserve their properties from foreclosure
or cancellation of Contract-to-Sell/Deed of Conditional Sale (CTS/DCS) by providing them the
opportunity to update or restructure their accounts under affordable terms and conditions.
This service shall start from receipt of Application for Loan Restructuring with the required
documents up to availability of Notice of Approval and loan documents.
Office or Division:  Remediation Department/Foreclosure Department

 Loan Support Services Department (LSSD)
Who may avail: The program shall be open to Pag-IBIG housing loan borrowers whose
accounts are at least three (3) months in arrears. However, borrowers with
Sales Contract Receivable (SCR) accounts with cancelled CTS/DCS by
notarial act; Foreclosed Mortgage Contract Receivable (MCR) accounts where
the winning bidder is a third party and Foreclosed MCR accounts, where the
Pag-IBIG Fund is the winning bidder, but the Certificate of Sale is already
registered shall be excluded from availing of this program.

REQUIREMENTS UPON LOAN APPLICATION
For Borrower
1. Duly Accomplished Application for Loan Pag-IBIG website (www.pagibigfund.gov.ph) or in

Restructuring (HQP-HLF-001) (1 original copy) any Pag-IBIG Branch
2. Updated Real Estate Property Tax (REPT) Assessor’s Office/ Municipal’s Office/ Local
Receipt/Tax Clearance and Tax Declaration Government Unit (LGU)
(Land and Building) (1 photocopy)
3. Proof of Income
For Locally Employed
a. One (1) Month Payslip, within the last three Employer
copy); and
956
b. Notarized Certificate of Employment and Employer
monthly income and monthly allowances; or
signatory of the employer or Latest Income
Tax Return (ITR) for the year immediately
preceding the date of loan application, with
attached BIR Form No. 2316, stamped
received by the BIR (1 photocopy)

a. ITR (1 certified true copy) (BIR Form No. Bureau of Internal Revenue (BIR)/ Financial Bank/
1701) duly certified by BIR, Audited Department of Trade and Industry (DTI) Municipal’s
Financial Statements (1 photocopy) and Office/ City Hall
sketch of business location



957
e. Certified True Copy of Transport Franchise Local Government Unit (LGU)/
issued by appropriate government agency Land Transportation Franchising and Regulatory
(LGU for tricycles, LTFRB for other PUVs, Board (LTFRB)/Transportation
MARINA for sea transportation) and valid Association/Maritime Industry Authority (MARINA)

issued by owner of business or person Certify
Barangay Secretary,
Barangay Captain
Agriculture/Forestry/ DAR/DENR/DA/LGU/Land
Fishery Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Private Household Employer, duly certified by

Barangay Captain or
Barangay Secretary,
Barangay Captain
Transport Operator, duly certified by
Barangay Captain or
Barangay Secretary,
Barangay Captain
Service Activities duly certified by Barangay
Captain or Barangay
Secretary, provided with
written authorization from
958
fees on professional services, commission
months)

the following:
 Employment Contract between employee Borrower/POEA/Philippine Consular Office at Host
and employer (1 photocopy or Country/MSO at Pag-IBIG Overseas Post
 POEA Standard Contract (1 photocopy) Borrower/POEA/ Philippine Consular Office at Host

Country/MSO at Pag-IBIG Overseas Post

months
official letterhead (1 photocopy); or
 CEC signed by employer (for household
staff and similarly situated employees) Employer
employer’s ID or passport (1 photocopy)

- Valid OWWA Membership Certificate (1 Overseas Workers Welfare Administration (OWWA)
photocopy)
Visa) (1 photocopy)
959
photocopy)
- Professional License issued by Host Country/Government
Country/Government (1 photocopy)
required.

borrower and spouse, if applicable. Any of the
following:
- Driver’s License Land Transportation Office (LTO/ host country)
(PRC) ID
Clearance
(GSIS) e-Card
- Overseas Workers Welfare Administration Overseas Workers Welfare Administration (OWWA)
(OWWA) ID
(POEA)
(DSWD)
960
the Principal Borrower and Spouse, Co- Spouse
Borrower and Spouse, (e.g. name, date of
birth), Notarized Affidavit of Two Disinterested
Person
 For borrowers, up to 60 years old, if loan

Questionnaire) (1 original copy) and Copy of
the result of medical examination conducted
prior to assignment overseas as required by
the employment agency (1 photocopy)
For representative
1. Duly Accomplished Application for Loan Pag-IBIG website (www.pagibigfund.gov.ph) or in

3. Proof of Income
For Locally Employed:
copy); and

961
attached BIR Form No. 2316, stamped
received by the BIR (1 photocopy)

a. ITR (1 original certified true copy) (BIR Bureau of Internal Revenue (BIR)/ Financial Bank/
Form No. 1701) duly certified by BIR, Department of Trade and Industry (DTI) Municipal’s
Audited Financial Statements (1 Office/ City Hall
photocopy), and Official Receipt of tax
payment from bank supported with DTI
Permit (1 photocopy) and sketch of
business location.

Certification of commission received (1 Commisions
c. Bank Statements (1 original copy or Issuing Bank


e. Certified True Copy of Transport Franchise Local Government Unit (LGU)/Land Transportation
issued by appropriate government agency Franchising and Regulatory Board (LTFRB)/
(LGU for tricycles, LTFRB for other PUVs, Maritime Industry Authority (MARINA)
962
issued by owner of business or person Certify
availing of the services (1 original copy) Micro-entrepreneurs Captain or Barangay
Fishery Owner/Barangay Captain
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
Captain or Barangay

months)

BIR Form No. 2307 (1 photocopy)
to support/supplement the income
963
the following:
 Employment Contract between employee Borrower/POEA/ Philippine Consular Office at Host

and employer (1 photocopy); or Country/MSO at Pag-IBIG Overseas Post


months
official letterhead (1 photocopy); or
photocopy)
Visa) (1 photocopy)
photocopy)
- Professional License issued by Host country/Government
964
borrower and spouse and Representative, if
applicable. Any of the following:
ID
Clearance
(GSIS) e-Card
- Senior Citizen Card Local Government Unit (LGU)/office of Senior
Citizens Affairs (OSCA)
(OWWA) ID
(POEA)
- National Council for the Welfare of Disabled National Council on Disability Affairs/(NCDA)
(DSWD)
Person
10
965


Questionnaire) (1 original copy) and Copy of
the result of medical examination conducted
prior to assignment overseas as required by
the employment agency (1 photocopy)
7. Notarized Special Power of Attorney (SPA) of Pag-IBIG Branch

the borrower/s and spouse (1 original copy and
1 photocopy)

original copy and 1 photocopy)
(1 original copy and 1 photocopy)
SPA duly authenticated by a Philippine
authenticated by Philippine Consulate.

- Apostille SPA
For Legal Heir
1. Duly Accomplished Application for Loan Pag-IBIG Website (www.pagibigfund.gov.ph), or

11
966
2. Updated Real Estate Tax Receipt or Tax Assessor’s Office/ Municipal’s Office/ Local
Clearance and Tax Declaration (Land and Government Unit (LGU)
Building) (1 photocopy)
3. Death Certificate of original borrower (1 Philippine Statistics Authority (PSA)

photocopy)
4. Birth Certificate of the Legal Heir (1 photocopy) PSA
5. Last Will and Testament (1 photocopy) or Original Borrower/Lawyer

Extra-Judicial Settlement of Estate (if title is in
name of borrower) or Proof of Relationship (if
title is in name of developer) (1 photocopy)
6. Affidavit of Publication (if title is in name of the Lawyer

borrower) (1 photocopy)
7. Notarized Special Power of Attorney (SPA) of Lawyer

other Family Members of the Legal Heir (1
For OFW Family Members of the Legal Heir

prior to date of departure with photocopy of
passport indicating the date of arrival and
departure (1 original copy and 1 photocopy)

copy and 1 photocopy)
Consular Officer
- Apostille SPA

back-to-back) of the Legal Heir. Any of the
following:
12
967
ID
Clearance
(GSIS) e-Card
(OWWA) ID
(POEA)
(DSWD)
- Government Office and Government- Government Office/Government-Owned and
Owned and Controlled Corporation (GOCC) Controlled Corporation (GOCC)
ID (e.g. AFP ID, Pag-IBIG Loyalty Card)
For Representative of Legal Heir
1. Duly Accomplished Application for Loan Pag-IBIG Website (www.pagibigfund.gov.ph), or


photocopy)
13
968


7. Proof of Surviving Legal Heirs (HQP-PFF-030) Pag-IBIG website (www.pagibigfund.gov.ph) or in


original and 1 photocopy)
For OFW Legal Heir/Family Member of Legal

Heir
and/or exit date to/from the Philippines

SPA duly authenticated by a
notarized by a local notary (of
the Philippine Consulate.
- Apostille SPA

back-to-back) of Legal Heir and
representative. Any of the following:
(PRC) ID
14
969
Clearance
(GSIS) e-Card
(OWWA) ID
(POEA)
(DSWD)
Owned and Controlled Corporation Controlled Corporation (GOCC)
(GOCC) ID (e.g. AFP ID, Pag-IBIG Loyalty
Card)
DOCUMENTS REQUIRED UPON LOAN

APPROVAL
1. Duly accomplished/notarized Loan Restructuring Pag-IBIG Branch

Agreement (3 original copies)
- For CTS Accounts (HQP-HLF-010)
- For REM Accounts (HQP-HLF-011)
- For DCS Accounts (HQP-HLF-662)
2. Real Estate Mortgage (pre-signed) (For CTS Pag-IBIG Branch
Accounts) (3 original copies)
3. Duly accomplished/notarized Promissory Note Pag-IBIG Branch

(3 original copies)
15
970
4. Authority to Deduct (HQP-HLF-124) (1 original Pag-IBIG website (www.pagibigfund.gov.ph)
copy), for employees with existing CSA & in or in any Pag-IBIG Branch
case the payment is thru salary deduction
5. Notice of Approval (NOA, HQP-HLF-654/HQP- Pag-IBIG Branch

HLF-646) with conformity of the borrower
6. Notarized Deed of Revocation of Notice of Pag-IBIG Branch

Cancellation (DRNOC, HQP-HLF-012) (3
original copies)
7. If mode of payment is thru Post-Dated Checks, Issuing Bank/Borrower/Co-Borrower/Spouse

12 PDCs
CLIENT STEPS AGENCY ACTION FEES TO BE PROCESSING PERSON

PAID TIME RESPONSIBL
E
number and wait for
the number to be
called.
NOTES:
 For accounts under
Remediation
Department, the
client shall be
endorsed to
Remediation
Department.
Foreclosure
Department, the
client shall be
endorsed to
Foreclosure
Department.
16
971
2. Approach the desk 2. Explain to borrower None 30 Minutes Accounts
indicated in the the policies and Management
monitor once your procedure on loan Analyst II**
number is called. restructuring. Remediation
Department/
2.1 Verify if the None 30 Minutes Foreclosure
borrower is eligible Department
to avail of Loan
Restructuring
based on the
criteria stated in
the existing
guidelines.

inform the borrower
the reasons of
disapproval.
2.2 Issue Application None 5 Minutes

Form to borrower.
3. Accomplish and 3. Receive the None 15 Minutes Accounts

submit the required required Management
documents. documents and Analyst II**
check for Remediation
completeness. Department/
Foreclosure
Department
copy of the
documents for 3.1 Encode None 30 Minutes Accounts
authentication. application data Management
in the system. Specialist**
3.2 Get the POF (2 Remediation
copies) that will be 3.2 Verify income and None 30 Minutes Department
issued. employer
information.
3.3 Secure Statement None 1 Hour

of Account (SOA)
and List of
Foreclosure
Expenses, if
applicable from
Loans Accounting
Department
(LAD).
17
972
3.4 Generate None 1 Hour
Computation for
Down Payment
(HQP-HLF-659,
CFD) and
facilitate approval
of the document
from the
concerned
signatories.
3.5 Generate and None 15 Minutes Accounts

issue Payment Management
Order Form (POF) Analyst II**
for payment of the Remediation
following: Department
- Processing Fee
- Downpayment
- One-year
insurance
prepayment
- Conversion
Expenses, if
any

borrower to pay at
LSSD and submit
the photocopy off
PFOR to
Remediation
Department.
4. Present the POF 4. Accept the Processing 30 Minutes Cashier

and pay the required payment based Fee - LSSD
down payment and on the POF. PHP1,000
applicable fees at
LSSD once your 4.1 Generate and None 30 Minutes
number is called. issue Pag-IBIG
Fund Receipt
will be issued upon
payment.
18
973
5. Photocopy the PFOR 5. Receive the None 15 Minutes Accounts
and return to PFOR Management
Remediation (photocopy) and Analyst II**
Department. ensure that the Remediation
amount paid is Department
correct.
5.1 Submit the PFOR
(photocopy) once 5.1 Access the None 15 Minutes
your number is system and input
called. payment
information.
copy of the PFOR 5.2 Accomplish and None 15 Minutes
for authentication. issue
Acknowledgement
Receipt (AR)
(HQP-HLF-005).
5.3 Get the AR (copy 1)
that will be issued to 5.3 Evaluate and None 10 Working Days Accounts
acknowledge the approve Management
receipt of the Application for Specialist **
documents. Loan Remediation
Restructuring. Department
and
Approving
Authority
5.4 Generate and None 4 Working Days Accounts

signs Notice of Management
Approval (NOA, Specialist **
HQP-HLF- Remediation
Department
654/HQP-HLF-646,
2 copies) together
and
with 4 copies of the
following Approving
applicable loan Authority
documents to
borrower:
- Promissory
Note (PN,
HQP-HLF-
008)
- Real Estate
Mortgage
19
974
(REM, HQP-
HLF-009) for
REM accounts
only
- Loan
Restructuring
Agreement
(LRA, HQP-
HLF-010/011/
662)
- Deed of
Revocation of
Notice of
Cancellation
(DRNOC,
HQP-HLF-
012) for CTS
Accounts only
5.5 Inform the None 1 Hour Accounts

borrower on the Management
approval of the Analyst II**
loan. Remediation
Department

the number to be
called.
7. Return to 7. Perform the Accounts

Remediation following: Management
Department and get Analyst II**
the NOA (2 copies 7.1 Explain the None 30 Minutes Remediation
and following loan Department
content of NOA
documents (4 and applicable
copies): loan documents.
- PN
- REM, for REM 7.2 Issue NOA (2 None 30 Minutes
only copies) and
- LRA applicable loan
- DRNOC, for CTS documents (4
only copies) to borrower.
20
975
NOTES:
a. The borrower must
sign the “conforme”
portion of the NOA
and sign the loan
documents.
b. The borrower must

comply the
requirements
indicated in the NOA.
c. In case the mode of

payment of the
borrower is thru
salary deduction, the
borrower must pay
the advance one-
month amortization at
LSSD. Proceed to
Citizens Charter on
Issuance of
Payment Order
Form (POF) and
Acceptance of Loan
Amortization
Payment and Other
Amounts due to the
Fund through Over-
the-Counter (OTC)
(Housing).

number and wait for
the number to be
called.
9. Return to Remediation 9. Receive the None 30 Minutes Accounts

Department and required Management
submit the required documents and Analyst II**
documents once your check for Remediation
number is called. completeness. Department
21
976
9.1 Present the original 9.1 Check notarization None 30 Minutes
copy of PFOR for details of the
authentication in case applicable loan
of salary deduction. documents and
payment for the
9.2 Get the following advance first
notarized loan monthly
documents (copy 3): amortization (if
- PN applicable).
- REM, for REM only
- LRA 9.2 Issue notarized loan None 15 Minutes
- DRNOC, for CTS documents (copy 3)
only to borrower.
TOTAL: PHP 1, 000 15 Working Days,

4 Hours and 45
Minutes
22
977
2. Application for Plan of Payment for Delinquent Housing Loan Borrowers
The program on the Plan of Payment allows housing loan borrower with accounts at least, or equivalent to
three (3) arrearages to update his/her housing account through payment of the said arrearages on the due
dates within the period of plan of payment. The borrower may choose to pay the arrearages through one-
time or installment payment. A borrower who promised to make one-time payment of the total amount due
shall pay within thirty (30) calendar days from the execution of the Promissory Note for Plan of Payment.
Meanwhile, the borrower who choose to settle the total amount due through installment shall pay up to a
maximum of three (3) months or six (6) months or one (1) year, whichever is applicable, starting from the
date of its approval.
This service shall start from the receipt of Plan of Payment Application with required documents up to
availability of Notice of Approval and loan documents.
 Remediation Department/Foreclosure Department

Office or Division:
Center.
The following housing loan accounts that are at least, or equivalent to
three (3) months in arrears subject to approval of the concerned Office
of the appropriate unit processing the Plan of Payment:
 Mortgage Contract Receivable (MCR) accounts secured by Real
Estate Mortgage (REM).
 Sales Contract Receivable (SCR) accounts subject of Contract-to-
Sell (CTS) or Deed of Conditional Sale (DCS).
The following are excluded from entering into Plan of Payment:

Who may avail:  Accounts subject to Buyback due to Breach of Warranty;
 Foreclosed Accounts with Certificate of Sale (COS) already
Registered;
 Accounts endorsed to Acquired Asset Management Group; and
 Default in the Payment of Installment under Plan of Payment. A
borrower shall be considered to have defaulted in the payment of
his monthly installment under plan of payment upon failure to
comply with the terms and conditions provided in his/her Promissory
Note for Plan of Payment.
978
1. Application for Plan of Payment (HQP-HLF-502) (1 Pag-IBIG website (www.pagibigfund.gov.ph) or in

original copy) any Pag-IBIG Branch

and spouse (if applicable). Any of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
- National Council for the Welfare of DisabledNational Council on Disability Affairs (NCDA)/
(DSWD)
for authentication.
979
For Representative


borrower and spouse and co-borrower and spouse any Pag-IBIG Branch/Person being Represented
For OFW Borrowers/Co-Borrowers



Officer
- Apostille SPA

spouse, co-borrower and spouse (if applicable).
Clearance
e-Card
980
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
- Department of Social Welfare and Development Department of Social Welfare and Development
(DSWD) Certification (DSWD)
for authentication.

to be called.
NOTES:
Remediation
Department, the client
shall be endorsed to
Remediation
Department.
Foreclosure
Department, the client
shall be endorsed to
Foreclosure
Department.
981
monitor once your procedure on plan of Analyst II**
number is called. payment for Remediation
delinquent housing Department/
Foreclosure
loan borrowers.
Department
2.1 Verify if the borrower None 30 Minutes

is eligible to avail of
Plan of Payment
based on the criteria
stated in the existing
guidelines.

inform the
borrower the
reason of
disapproval.

Form to borrower.
3. Accomplish the 3. Received the None 15 Minutes Accounts

application form and required documents Management
submit the required and check for Analyst II**
documents. completeness. Remediation
Department/
Foreclosure
3.1 Present the original 3.1 Accomplish and issue None 15 Minutes Department
copy of valid ID/s for Acknowledgement
authentication. Receipt (AR).
3.2 Get the AR that will be 3.2 Secure Statement of None 2 Working
issued to Account from Loans Days
acknowledge the Accounting
receipt of the Department (LAD).
documents.
3.3 Evaluate and None 3 Working Accounts

approve application. Days Management
Specialist**
982
3.4 Generate and review None 1 Working Day Remediation
Notice of Approval Department/
(NOA, HQP-HLF- Foreclosure
503/504) and Department
Promissory Note (PN,
and
HQP-HLF-055).
Approving Authority

on the approval of his Management
application. Analyst II**
Remediation
Department/
Foreclosure
Department

to be called.
5. Return to Remediation 5. Generate Payment None 15 Minutes Accounts

Department/Foreclosure Order Form (POF) for Management
Department and get the payment of the Analyst II**
following documents following: Remediation
once your number is - Downpayment one Department/
Foreclosure
called: (1) month regular
Department
- NOA (2 copies) housing loan
- PN (4 copies) amortization or at
- POF least ten percent
(10%) of his total
NOTES: amount due under
Plan of Payment,
a. The borrower must whichever is higher.
sign the “Conforme” - Foreclosure
portion of the NOA Expenses, if any
and sign the PN. - Insurance
premiums
b. The borrower must advanced by the
comply with all the Fund, if any; and
requirements - One (1) year
indicated in the NOA. advance insurance
premium if the
housing loan was
983
excluded from the
insurance
coverage.
5.1 Explain to borrower None 15 Minutes

the amount to be
paid, procedure to be
undertaken, detail
contents of NOA and
PN.

documents:
- NOA (2 copies)
- PN (4 copies)
- POF (2 copies)

to pay the
corresponding
amount at LSSD and
submit photocopy of
PFOR to
Remediation
Department/
Foreclosure
Department.
6. Present POF and 6. Accept the payment None 30 Minutes Cashier

pays the based on the POF. LSSD
corresponding amount
once your number is 6.1 Issue Pag-IBIG Fund None 30 Minutes
called. Official Receipt
(PFOR) to borrower.
6.1 Get the PFOR that will
be issued.
7. Photocopy the PFOR 7. Ensures that the None 15 Minutes Accounts

and return to borrower pays the Management
Remediation total amount to be Analyst II**
Department/ paid as indicated in Remediation
Foreclosure the NOA. Department/
Foreclosure
Department.
Department
984
7.1 Submit the following 7.1 Checks the following: None 15 Minutes
documents once your  Consistency of the
number is called: information
- PFOR (photocopy)  Signature on the
- Signed NOA (2 documents
copies)  Notarization of PN
- Notarized PN (copy
1 and 2) 7.2 Issue NOA (1 copy) None 15 Minutes
and notarized PN (1
7.2 Present the original copy).
copy of PFOR.
7.3 Access the system None 15 Minutes Accounts
7.3 Get the following and indicate that the Management
documents: borrower has availed Specialist**
- NOA (1 copy) of plan of payment. Remediation
- Notarized PN (1 Department/
Foreclosure
copy)
Department
6 Working
TOTAL: None Days, 7 Hours
and 30 Minutes
985
3. Application on Condonation of Penalties/Additional Interests
The program on the condonation of penalties/additional interest grants opportunities to Pag-IBIG Fund
members with arrears to preserve their properties from foreclosure or cancellation of Contract-to-Sell.
It shall also provide relief to delinquent borrowers to fully pay/fully update housing loan obligation
through condonation of accumulated penalties and additional interest.
The service shall start from submission of Application for Condonation of Penalties/Additional Interests
with required documents up to availability of approved Computation Sheet.

Business Center.
Any Pag-IBIG borrower with:
 Delinquent housing loan account
Who may avail:
 Account with expired term
 Account with no payment since takeout
1. Duly accomplished Application for Condonation Pag-IBIG website - www.pagibigfund.gov.ph or in

of Penalties/Additional Interests (HQP-HLF-540) any Pag-IBIG branch
(1 original copy)
2. Updated Real Estate Property Tax (REPT) Assessor’s Office/Municipal’s Office/Local

Receipt/Tax Clearance and Tax Declaration Government Unit
(Land and Building) (1 photocopy) (if the mode
of settlement is thru full updating)

back-to-back) of Principal Borrower and Spouse
and Co-Borrower and Spouse (if applicable. Any
of the following:
ID
986
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
For Representative
1. Duly accomplished Application for Condonation Pag-IBIG website - www.pagibigfund.gov.ph or in

of Penalties/Additional Interests (HQP-HLF- any Pag-IBIG branch

Receipt/Tax Clearance and Tax Declaration Government Unit/Person Being Represented
(Land and Building) (1 photocopy) (if the mode
of settlement is thru full updating)
3. Notarized Special Power of Attorney (SPA) of Pag-IBIG website (www.pagibigfund.gov.ph) or in

the borrower/s and spouse (1 original copy and any Pag-IBIG Fund Branch/Person being
1 photocopy) represented
987
 For OFW abroad, Special Power of Attorney Person being represented
(SPA) notarized prior to date of departure
with photocopy of passport indicating the
date of arrival and departure (1 original copy
and 1 photocopy)
- SPA authenticated by a Philippine
authenticated by the Philippine
Consulate.
- Apostille SPA

Spouse, Co-Borrower and Spouse, and
Representative (if applicable). Any of the
following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
988

1. Proceed to 1. Provide queue None 1 Hour* Information Officer
the number to be
called.
NOTES:
 For accounts
under
Remediation
Department, the
client shall be
endorsed to
Remediation
Department.
 For accounts
under Foreclosure
Department, the
client shall be
endorsed to
Foreclosure
Department.
2. Approach the desk 2. Explain to None 30 Minutes Accounts Management

indicated in the borrower the Specialist**
monitor once your policies and Remediation
number is called. procedure for the Department/
Foreclosure
989
condonation of Department
penalties/
additional
interests.
2.1 Verify if the None 30 Minutes

borrower is eligible
to avail the
program on
condonation of
penalties/
additional
interests.
NOTE:
If not eligible,
inform the
borrower the
reason of
disapproval.

for Condonation of
Penalties/
Additional
Interests (HQP-
HLF-540).
3. Accomplish the 3. Receive the None 20 Minutes Accounts Management

application form and required Specialist**
submit the required documents and Remediation
documents. check for Department/
completeness. Foreclosure
Department
copy of valid ID/s.
issue
Acknowledgement
be issued to
Receipt (AR).
acknowledge receipt
of documents.
3.2 Secure latest None 2 Working Days

Statement of
990
Accounts (SOA)
and List of
Foreclosure
Expenses (LFE), if
applicable, from
Loans Accounting
Department (LAD).
3.3 Evaluate the None 2 Working Days Accounts Management

application and Specialist**
generate Remediation
Computation Department/
Sheet (HQP- Foreclosure
Department
HLF-542, 2
copies). and
3.4 Approve and sign None 2 Working Days Approving Authority

Computation
Sheet.
3.5 Inform the None 30 Minutes Accounts Management

borrower/ Specialist**
representative on Remediation
the availability of Department/
Computation Foreclosure
Department
Sheet.

the number to be
called.
5. Return to 5. Advise the None 30 Minutes Accounts Management

Remediation/ borrower on the Specialist**
Foreclosure amount due to be Remediation
Department and sign paid and request Department/
the “Conforme” the borrower to Foreclosure
portion of the sign on the Department
Computation Sheet “Conforme” portion
once your number is of Computation
called. Sheet.
991
5.1 Get the Computation 5.1 Issue Computation None 30 Minutes
Sheet that will be Sheet to borrower.
issued.
NOTES:
a. For full payment,
payment must be
made within thirty
(30) calendar days
from date of
notification of
approval of
application.
b. For full updating,

payment must be
made within the day
of notification of
approval of
application.
On scheduled date,
the borrower must
proceed to Loans
Support Services
Department (LSSD)
to pay the amount
due. Proceed to
Citizens Charter
on Issuance of
Payment Order
Form and
Acceptance of
Loan Amortization
Payment and
Other Amount Due
to the Fund
through Over-the-
Counter (OTC)
(Housing).
992
c. After payment, the
borrower must
present the PFOR
(original copy) and
submit the PFOR
(photocopy) to
Remediation
Department/
Foreclosure
Department to
update the system.
None 6 Working Days,

TOTAL: 5 Hours and 30
Minutes
993
4. Redemption of Foreclosed Property (For Full Payment)
The program Redemption of Foreclosed Property aims to assist borrower-mortgagor/legal
heir/buyer/assignee to redeem his/her foreclosed property due to having lien on the property
subsequent to the mortgage under which the property has been sold. The borrower-mortgagor/legal
heir/buyer/assignee may redeem the foreclosed property within a period of one (1) year from the date
of registration of Certificate of Sale (COS) by paying the redemption price through full payment.
This service shall start from receipt of payment of redemption price up to availability of Certificate of
Redemption.
 Foreclosure Department
 Documentation Support and Property Management Department
(DSPMD)
Office or Division:
Center.
Any Pag-IBIG borrower with foreclosed property not exceeding more than
Who may avail:
a year from the date of auction sale during foreclosure proceedings.
For Original Borrower

back-to-back) of original borrower. Any of the
following:
ID
Clearance
(GSIS) e-Card
994
(OWWA) ID (OWWA)
(POEA)
(DSWD)
For Representative of Original Borrower
1. Notarized Special Power of Attorney (SPA) of Person being represented

original borrower/s and spouse (1 original copy
and 1 photocopy)
For OFW borrower/s and spouse

seaman’s book reflecting the entry date and/
or exit date to/from the Philippines (1 original
- SPA notarized by a Philippine
Consulate.
995
- Apostille SPA

back-to-back) of representative and borrower/
co-borrower. Any of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
996
For Legal Heir
1. Death Certificate of borrower-mortgagor (1 Philippine Statistics Authority (PSA)

photocopy)
2. Birth Certificate of the legal heir (1 photocopy) PSA
3. Last Will and Testament (1 photocopy) or Original Borrower/Lawyer/Publisher

Extra-Judicial Settlement of Estate with Affidavit
of Publication (if title is in name of borrower)
4. Proof of Surviving Legal Heirs (HQP-PFF-030) Pag-IBIG Website (www.pagibigfund.gov.ph) or

(1 original copy) in any Pag-IBIG Branch


or exit date to/from the Philippines prior to
date of departure with photocopy of passport
indicating the date of arrival and departure (1
Consular Officer
- Apostille SPA

back-to-back) of Legal Heir. Any of the
following:
ID
997
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

photocopy)
2. Birth Certificate of the legal heir (1 photocopy) Philippine Statistics Authority (PSA)
3. Last Will and Testament (1 photocopy) or Original Borrower/Lawyer/Publisher

Extra-Judicial Settlement of Estate with Affidavit
of Publication (if title is in name of borrower)
4. Proof of Surviving Legal Heirs (HQP-PPF-030) Pag-IBIG Website (www.pagibigfund.gov.ph) or in

(1 original copy) any Pag-IBIG Branch/Person being represented
998
Notarized SPA of Legal Heir (1 original copy Person being represented

and 1 photocopy
For OFW Legal Heir/Family Members of Legal

Heir
SPA notarized by a Philippine Consular
notary (of country where the member is
working) but duly authenticated by the
Philippine Consulate.
- Apostille SPA

back-to-back) of representative and Legal Heir.
ID
Clearance
(GSIS) e-Card
- Senior Citizen Card Local Government Unit (LGU)/
(OWWA) ID (OWWA)
999
(POEA)
(DSWD)
For Buyer/Assignee
1. Deed of Absolute Sale/Deed of Assignment/ Buyer/Assignee

Deed of Sale with Assumption of Mortgage (1
photocopy)
2. Notarized Special Power of Attorney (SPA) of Original Borrower

Original Borrower/s and spouse (1 original copy
and 1 photocopy)

back-to-back) of Original Borrower/s and
spouse/s, if applicable and Buyer/ Assignee.
ID
Clearance
(GSIS) e-Card
1000
(OWWA) ID (OWWA)
(POEA)
(DSWD)
For Representative of Buyer/Assignee

photocopy)

and 1 photocopy)
3. Notarized SPA of Buyer/Assignee (1 original Person being represented

For OFW Original Borrower/s and spouse and

Buyer/Assignee
1001
(1 original copy ad 1 photocopy)
Consulate.
- Apostille SPA

back-to-back) of Original Borrower/s and spouse,
representative and buyer/assignee. Any of the
following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1002

number and wait
for the number to
be called.
2. Approach the desk 2. Explain procedures None 30 Minutes Member Services

indicated in the and guidelines to be Officer III**
monitor once your undertaken in Foreclosure
number is called. redemption of Department
foreclosed property.

redemptioner is
eligible to redeem
the foreclosed
property based on
the existing
guidelines.
NOTE:
If not eligible, inform
the redemptioner on
the reason of
ineligibility to
redeem the
property.
2.2 Inform the None 5 Minutes

redemptioner to
submit the required
documents.
10
1003
3. Submit required 3. Receive the None 30 Minutes Member Services
documents for the required documents Officer III**
redemption of and check the Foreclosure
foreclosed completeness. Department
property.
3.1 Present the 3.1 Prepare and issue None 30 Minutes

original copy of Redemption Price
the documents for Computation Sheet
authentication. for the initial
computation of the
3.2 Get the redemption price to
Computation Sheet the redemptioner.
for the initial
computation of the 3.2 Process the None 4 Working Days Acquired Assets
redemption price retrieval of ROPA Officer III**
that will be issued. Folder from the DSPMD
safekeeping facility.
3.3 Secure Statement None 2 Working Member Services

of Account (SOA) Days Officer III**
and List of Foreclosure
Foreclosure Department
Expenses from
Loans Accounting
Department (LAD).
3.4 Prepare and None 2 Working Member Services

approve Days Officer III**
Redemption Price Foreclosure
Computation Sheet Department
for the final
and
computation to be
paid by the Approving Authority
redemptioner.
3.5 Inform the None 30 Minutes Member Services

redemptioner on the Officer III**
availability of the Foreclosure
final Computation Department
Sheet.
11
1004
number and wait
for the number to
be called.
5. Return to 5. Generate Payment None 15 Minutes Member Services

Foreclosure Order Form for the Officer III **
Department and payment of the Foreclosure
get final Redemption Price. Department
Computation
Sheet and POF 5.1 Issue the final None 15 Minutes
once your number Computation Sheet
is called. and POF.

redemptioner to pay 15
the Redemption
Price at LSSD and
submit a photocopy
of PFOR to
Foreclosure
Department.

pays the based on the POF. LSSD
Redemption Price
once your number 6.1 Issue Pag-IBIG None 30 Minutes
is called. Fund Official
Receipt (PFOR) to
6.1 Get the PFOR redemptioner.
that will be
issued.
7. Photocopy the 7. Receive the PFOR None 15 Minutes Member Services

PFOR and return (photocopy) and Officer III**
to Foreclosure ensure the amount Foreclosure
Department. paid is correct. Department
7.1 Submit PFOR 7.1 Access the system None 15 Minutes

(photocopy). and encode PFOR
details.
12
1005
7.2 Present the 7.2 Process the posting None 6 Working Accounts Specialist**
original copy of of payment and Days LAD
PFOR for issuance of
authentication. Certificate of Full and
Payment to
Approving Authority
Foreclosure
Department.
7.3 Generate the None 2 Working Member Services

following Days Officer III**
documents: Foreclosure
 Certificate of Department
Redemption
and
 Release of Real
Estate Mortgage Approving Authority
(ROREM, HQP-
HLF-374)
 Home Financing
Documents
Release Form
(HFDRF, HQP-
TMF-050)
 Deed of Release
of Assignment
(DORA, if
applicable)
7.4 Process the None 2 Working Member Services

notarization of the Days Officer III**
Certificate of Foreclosure
Redemption, Department
ROREM and
DORA, if
applicable.
NOTE:
The Certificate of
Redemption,
ROREM, DORA (if
applicable) and
HFDRF shall be
endorsed to
Treasury
Department
13
1006
for processing the
release of title and
certificate of
redemption to
redemptioner.
Proceed to
Citizen’s Charter
on Release of
Home Financing
Documents to
Borrower/Buyer/
Authorized
Representative/
Developer.
None 18 Working
TOTAL:
Days, 6 Hours
and 40
Minutes
14
1007
5. Redemption of Foreclosed Property (For Installment)
of registration of Certificate of Sale (COS) by paying the redemption price through installment.
Redemption.
 Foreclosure Department
 Documentation Support and Property Management Department
(DSPMD)
Office or Division:
Business Center.
Any Pag-IBIG borrower with foreclosed property not exceeding more
Who may avail: than a year from the date of auction sale during foreclosure
proceedings.
1. Letter of Conforme (1 original copy) Borrower

back to back) of original borrower. Any of the
following:
ID
Clearance
1008
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

and 1 photocopy)
For OFW Original Borrower
1009
by a local notary (of country where
the member is working) but duly
Consulate.
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1010
For Legal Heir
1. Letter of Conforme (1 original copy) Legal Heir

photocopy)
4. Last Will and Testament (1 photocopy) Original Borrower/Lawyer/Publisher

or Extra-Judicial Settlement of Estate with
Affidavit of Publication (if title is in name of



- SPA duly authenticated by a Government
Consular Officer
7. One (1) Valid IDs with signature of Legal Heir (1

photocopy, back-to-back). Any of the following:
1011
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

photocopy)
1012
4. Last Will and Testament (if any) (1 photocopy) Original Borrower/Lawyer/Publisher
5. Proof of Surviving Legal Heirs (HQP-PPF-030) Pag-IBIG Website (www.pagibigfund.gov.ph) or


7. Notarized SPA of Legal Heir (1 original copy Person being represented

and 1 photocopy)
Heir
Philippines (1 original copy and 1
photocopy)
by a local notary (of country where
Consulate.
- Apostille SPA
ID
Clearance
6
1013
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
For Buyer/Assignee

photocopy)
2. Letter of Conforme (1 original copy) Buyer/Assignee

and 1 photocopy)

7
1014
Philippines prior to date of departure with
arrival and departure (1 original copy and 1
photocopy)
-Apostille SPA

back-to-back) of Original Borrower/s and spouse
and Buyer/Assignee. Any of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
8
1015

photocopy)

Original Borrower/s and spouse (1 original copy)
4. Notarized SPA of Buyer/Assignee (1 original Pag-IBIG Website (www.pagibigfund.gov.ph) or in

copy and 1 photocopy) any Pag-IBIG Branch/Person being represented
For OFW Original Borrower and

Buyer/Assignee
Consulate.
- Apostille SPA
1016
spouse, representative and buyer/ assignee.
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
number and wait for
the number to be
called.
10
1017
monitor once your undertaken in Foreclosure
number is called. redemption of Department
foreclosed property.
redemptioner is
eligible to redeem
the foreclosed
property based on
the existing
guidelines.

inform the
redemptioner
on the reason
of ineligibility
to redeem the
property.

redemptioner to
submit the required
documents.

redemption of and check the Foreclosure
foreclosed property completeness. Department
once your number is
called. 3.1 Prepare and issue None 30 Minutes
Redemption Price
3.1 Present the original Computation Sheet
copy of the for the initial
documents for computation of the
authentication. redemption price to
the redemptioner.
3.2 Get the Computation
Sheet for the initial 3.2 Process the None 4 Working Acquired Assets
retrieval of ROPA Days Officer III
computation of the
Folder from the DSPMD
redemption price that
will be issued. safekeeping facility.
11
1018
3.3 Secure Statement None 2 Working Member Services
of Account (SOA) Days Officer III**
and List of Foreclosure
Expenses from
Loans Accounting
Department (LAD).
3.4 Prepare and None 2 Working Member Services
approve Days Officer III**
Redemption Price Foreclosure
Computation Sheet Department
for the final
and
computation to be
paid by the Approving Authority
redemptioner.
redemptioner on the Officer III
availability of the Foreclosure
final Computation Department
Sheet.
the number to be
called.
5. Return to 5. Advise the None 20 Minutes Member Services

Foreclosure redemptioner to Officer III
Department and get pay within the Foreclosure
the final Computation redemption period. Department
Sheet and POF once
your number is
called. 5.1 Issue the final None 5 Minutes
Computation
NOTE: Sheet to
The redemptioner redemptioner.
must pay the
redemption price
within the redemption
period. Upon
payment, the
borrower must
12
1019
proceed to Loans
Support Services
Department (LSSD).
Proceed to Citizens
Charter on
Issuance of
Payment Order
Form (POF) and
Acceptance of Loan
Amortization
Payment and Other
Amounts due to the
Fund through Over-
the-Counter (OTC)
(Housing).
6. Upon full payment, 6. Ensure that the None 30 Minutes Member Services
photocopy the name and amount Officer III
PFOR and return to paid is correct. Foreclosure
Department.
details.
copy of PFOR for 6.2 Process the None 6 Working Accounts Specialist**
authentication. posting of last Days LAD
payment and
issuance of and
Certificate of Full
Approving Authority
Payment to
Foreclosure
Department.
6.3 Generate the None 2 Working Member Services

following Days Officer III**
documents: Foreclosure
 Certificate of Department
Redemption
and
 Release of Real
Estate Approving Authority
Mortgage
(ROREM, HQP-
HLF-374
13
1020
 Home
Financing
Documents
Release Form
(HFDRM, HQP-
TMF-050)
 Deed of
Release of
Assignment
(DORA), if
applicable
6.4 Process for the None 2 Working Member Services

notarization of the Days Officer III
Certificate of Foreclosure
Redemption, Department
ROREM and
DORA, if
applicable.
NOTE:
The Certificate of,
ROREM, DORA,
if applicable, and
HFDRM shall be
endorsed to
Treasury
Department for
processing the
release of title to
redemptioner.
Proceed to
Citizen’s Charter
on Release of
Home Financing
Documents to
Borrower/Buyer/
Authorized
Representative/
Developer
18 Working
TOTAL:
Days, 5 Hours
& 35 Minutes
14
1021
6. Settlement of Obligation through Housing Loan under Non-Performing Assets
Resolution Program (NPARP) (For SCR/MCR Accounts – Heir/Successor)
The program on Settlement of Obligation under Non-Performing Assets Resolution Program (NPARP)
aims to assist highly delinquent borrowers through their legal heir/successor-in-interest to maintain
their possession or use of the property under modified terms and conditions and to immediately
dispose of non-performing assets at the highest value possible through housing loan.
This service shall start from the submission of complete documentary requirements up to availability
of Notice of Approval (NOA) and Loan Documents.

Office or Division:
Business Center.
Type of Transaction: G2C
 With Mortgage Contract Receivable (MCR)/Sales Contract
Receivable (SCR) account that has undergone the full cycle of
remediation activities as defined in the existing business rules of
the Fund, provided that:
- For SCR accounts that are secured by a Contract-to-Sell
(CTS) or Deed of Conditional Sale (DCS), the CTS or DCS has
not yet been cancelled;
- For MCR accounts that are secured by a Real Estate
Mortgage (REM) and are referred to foreclosure or with filed
petition for extrajudicial foreclosure, the Fund is winning bidder
Who may avail:
and Certificate of Sale is not yet registered
 MCR/SCR Account where no single payment has been made after
the takeout date of original loan or after loan restructuring date;
provided that the chosen mode of settlement is either through cash
or installment payment
 Group Land Acquisition and Development (GLAD)/Homeowners’
Association loan accounts that are more than two (2) years in
arrears as of date of filing of application for settlement through
NPARP; provided, there are individual ledgers for the GLAD
beneficiaries and titles are already unitized
1022
The following are excluded from entering the said program:
 A borrower or heir of deceased borrower, or borrower’s successor-
in-interest who has filed or has a pending case against the Fund
relative to the foreclosure of REM or cancellation of CTS/DCS
 A borrower or heir of deceased borrower whose case against the
Fund relative to the foreclosure of REM or cancellation of
CTS/DCS has been decided in favor of the Fund
 A borrower whose loan account has been the subject of a Notice
of Buyback for breach of warranties due to fraud on loan
documentation and by misrepresentation
 A borrower who has not made a single payment after takeout date
of the original loan or after loan restructuring date and the would-
be mode of settlement for availing NPARP is through housing loan
revaluation
 Borrowers who have already availed of NPARP
REQUIRED DOCUMENTS UPON APPLICATION
For Legal Heir
1. Letter of Intent (HQP-HLF-201) (1 original copy) Pag-IBIG Website (www.pagibigfund.gov.ph) or

in any Pag-IBIG Branch
2. Updated Real Estate Property Tax (REPT) Assessor’s Office/Municipal’s Office

Receipt/Tax Clearance and Tax Declaration
(Land and Building) (1 original copy)
3. Last Will and Testament (1 photocopy) or Extra- Original Borrower/Lawyer

Judicial Settlement of Estate (if title is in name
of borrower) or Proof of Relationship (if title is in
name of developer) (1 photocopy)

5. Proof of Surviving Legal Heirs (1 original copy) Pag-IBIG Website (www.pagibigfund.gov.ph) or


1023
Philippines, include a photocopy or passport/
 For Non-Apostille Countries Philippine Embassy of Host
- SPA duly authenticated by a Country/Government
Consular Officer
 For Apostille Countries Philippine Embassy of Host
- Apostille SPA Country/Government

(HQP-HLF-068) (2 original copies) in any Pag-IBIG Branch/

back-to-back) of Legal Heir. Any of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1024
(DSWD)
1. Letter of Intent (HQP-HLF-201) (1 original copy) Pag-IBIG website (www.pagibigfund.gov.ph) or

in any Pag-IBIG Fund Branch/Person being
represented
2. Updated Real Estate Property Tax (REPT) Assessor’s Office/Municipal’s Office/Person

Receipt/Tax Clearance and Tax Declaration being represented





(HQP-HLF-068) (2 original copies) in any Pag-IBIG Fund Branch/Person being
represented
1025
the Legal Heir (1 original copy and 1 photocopy) in any Pag-IBIG Fund Branch/Person being
represented
For OFW Legal Heir/Family Member of Legal Heir Person being represented
authenticated by Philippine Consular
Officer
- Apostille SPA

back-to-back) of Legal Heir and Representative.
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1026
(DSWD)
For Successor-in-Interest
1. Letter of Intent (HQP-HLF-201) (1 original Pag-IBIG website (www.pagibigfund.gov.ph) or

copy) in any Pag-IBIG Fund Branch

3. Deed of Absolute Sale with Assumption of Original Borrower

Mortgage (if title is in name of borrower)/Deed
of Transfer of Rights (if title is in name of
developer) (1 photocopy)

(HQP-HLF-068) (1 original copy) in any Pag-IBIG Fund Branch

back-to-back) of Original Principal Borrower and
Successor-in-Interest. Any of the following:

ID
Clearance
1027
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
For Representative of Successor-in-interest

represented


Mortgage (if title is in name of borrower)/Deed of
Transfer of Rights (if title is in name of developer)
(1 photocopy)
represented
1028
5. Notarized Special Power of Attorney (SPA) of the Pag-IBIG website (www.pagibigfund.gov.ph) or
Legal Heir (1 original copy and 1 photocopy) in any Pag-IBIG Fund Branch/Person being
represented
For OFW Succesor-in-Interest
by local notary (of country where
authenticated by Philippine
Consulate
- Apostille SPA

back-to-back) of Original Principal Borrower ,
Successor-in-Interest and Representative. Any
of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1029
(DSWD)
REQUIRED DOCUMENTS UPON APPROVAL
1. Pag-IBIG Fund Official Receipt (PFOR) Pag-IBIG Branch

representing payment of applicable expenses
(1 photocopy)
2. Notice of Approval (HQP-HLF-271, copy 2) Pag-IBIG Branch

with conformity of the borrower
3. Duly accomplished/notarized Loan and Pag-IBIG Branch

Mortgage Agreement (For REM accounts)
(HQP-HLF-162, 5 original copies)
4. Duly accomplished/notarized Deed of Pag-IBIG Branch

Conditional Sale (For CTS and DCS accounts)

6. Disclosure Statement on Loan Transaction Pag-IBIG Branch

(For REM accounts only) (HQP-HLF-280, copy
2) with conformity of the borrower
7. Disclosure Statement on Buyer’s Transaction Pag-IBIG Branch

(For CTS and DCS accounts only) (HQP-HLF-
281, copy 2) with conformity of the borrower
1030
copy) for employees with existing CSA and in or in any Pag-IBIG Branch

12 PDCS

the number to be
called.
Notes:
 For accounts
under Remediation
Department, the
client shall be
endorsed to
Remediation
Department.
 For accounts
under Foreclosure
Department, the
client shall be
endorsed to
Foreclosure
Department.
2. Approach the desk 2. Explain to None 30 Minutes Accounts

indicated in monitor borrower the Management
once your number is policies and Analyst II**
called. procedures on Remediation
settlement of Department/
Foreclosure
obligations thru
Department
NPARP program.
10
1031
2.1 Verify if the legal None 20 Minutes
heir/successor-in-
interest is eligible
to avail NPARP
program based on
criteria stated in
existing
guidelines.

inform the
legal heir/
successor-in-
interest on the
reason of
disapproval.
2.2 Issue Letter of None 5 Minutes

Intent to borrower.
3. Accomplish letter of 3. Receive the None 15 Minutes Accounts

intent and submit required Management
required documents. documents and Analyst II**
check for Remediation
3.1 Present the original completeness. Department/
Foreclosure
copy of documents
Department
for authentication.
issue
Acknowledgement
be issued to
Receipt (AR).
acknowledge the
receipt of documents.
3.2 Access system None 15 Minutes
and input details
in the system.
3.3 Secure None 2 Hours

Statement of
Account (SOA)
and List of
Foreclosure
Expenses, if
applicable from
Loans
Accounting
11
1032
Department
(LAD).
3.4 Encode None 20 Minutes Accounts

applicant’s Management
information and Specialist**
eligibility. Remediation
Department
NOTE: In case the 15 Working Property Appraiser

appraised Days II
value is not PVD
updated, the
Property
Valuation
Department
shall conduct
technical
inspection as
requested by
Remediation
Department.

approve the Days Management
application. Specialist**
Remediation
Department
and
Approving Authority
3.6 Upon receipt of None 30 Minutes Data Encoder III**

NPARP Folder, Loans Evaluation
extract Department I
heir/successor-
in-interest’s
information in
system.
12
1033
3.7 Generate and None 4 Hours Mortgage Loans
signs the Specialist**
following Loans Evaluation
documents Department I
based on result
and
of evaluation:
For REM Account Approving Authority
- Notice of
Approval
(NOA, HQP-
HLF-271, 2
copies)
- Loan and
Mortgage
Agreement
(LMA, HQP-
HLF-162, 6
copies)
- Promissory
Note (PN,
HQP-HLF-086,
6 copies)
- Disclosure
Statement of
Loan
Transaction
(DSLT, HQP-
HLF-280, 2
copies)
For CTS Account
- Notice of
Approval
(NOA, HQP-
HLF-271, 2
copies)
- Deed of
Conditional
Sale (DCS,
HQP-HLF-
180, 6 copies)
- Promissory
Note (PN,
13
1034
- HQP-HLF-086,
6 copies)
- Disclosure
Statement of
Buyer’s
Transaction
(DSBT, HQP-
HLF-281, 2
copies)
For DCS Account
- Notice of
Approval (NOA,
HQP-HLF-271,
2 copies)
- Deed of
Conditional
Sale (DCS,
HQP-HLF-180,
6 copies)
- Promissory
Note (PN,
HQP-HLF-086,
6 copies)
- Disclosure
Statement of
Buyer’s
Transaction
(DSBT, HQP-
HLF-281, 2
copies)
3.8 Inform legal heir/ None 30 Minutes Mortgage Loans

successor-in- Specialist
interest on the Loans Evaluation
approval of the Department I
application.
14
1035
4. Proceed to Information 4. Provide queue None 1 Hour* Information Officer
Officer and get a number for the
queue number and desired
wait for the number to transaction.
be called.
5. Return to Servicing 5. Explain in detail None 20 Minutes Mortgage Loans

Department and get the contents of Specialist/Member
the following the applicable Services Officer**
documents once your document. Servicing
number is called: Department
 NOA (2 copies) 5.1 Advise borrower None 20 Minutes
For REM Account to sign on the
 LMA (6 copies) documents and
 PN (6 copies) process the
 DSLT (2 copies) notarization of
For CTS Account applicable loan
 DCS (6 copies) documents.
 PN (6 copies)
 DSBT (2 copies) 5.2 Issue the NOA (2 None 30 Minutes
For DCS Account copies) and the
 DCS (6 copies) following
 PN (6 copies) applicable
 DSBT (2 copies) documents:
For REM Account
 LMA (6 copies)
NOTES:  PN (6 copies)
a. The legal  DSLT (2
heir/successor-in- copies)
interest must sign For CTS Account
the “conforme”  DCS (6 copies)
portion of the NOA  PN (6 copies)
and sign the  DSBT (2
applicable copies)
documents. For DCS Account
b. The legal  DCS (6 copies)
heir/successor-in-  PN (6 copies)
interest must  DSBT (2
comply the copies)
requirements
indicated in the
NOA.
15
1036
be called.
7. Return to Servicing 7. Generate and None 30 Minutes Mortgage Loans

Department and get issue Payment Specialist**
POF once your Order Form Servicing
number is called. (POF) for Department
payment of
insurance
premiums,
monthly
amortization (if
mode of payment
is salary
deduction) and
Transfer Cost
(applicable to
Mortgage
Contract
Receivable
Account).
7.1 Advise legal None 15 Minutes

heir/successor-
in-interest to pay
at LSSD and
submit photocopy
of PFOR to
Servicing
Department.
8. Present POF and pay 8. Accept payment None 30 Minutes Cashier

applicable expenses at based on POF. LSSD
LSSD once your
number is called.
8.1 Get the PFOR that will 8.1 Generate and None 20 Minutes
be issued upon issue Pag-IBIG
payment. Official Receipt
(PFOR).
16
1037
9. Photocopy the PFOR 9. Receive PFOR None 20 Minutes Mortgage Loans
(photocopy) and return and ensure the Specialist**
to Servicing amount paid is Servicing
Department. correct. Department
9.1 Submit the PFOR 9.1 Receive the None 20 Minutes

(photocopy) together required
with the required documents and
documents once your check for
9.2 Present the original 9.2 Access the None 20 Minutes

copy of the PFOR for system and input
authentication. payment
information.
9.3 Issue applicable None 20 Minutes

9.3 Get the following
documents: loan documents
For REM Account (1 copy) to the
legal
 LMA (copy 1)
heir/successor-
 PN (copy 1)
in-interest.
 DSLT (copy 1)
For CTS Account
NOTE: The Notice of
 DCS (copy 1)
Final Approval
 PN (copy 1)
(HQP-HLF-270)
 DSBT (copy 1)
and Notice on
For DCS Account
Settlement of
 DCS (copy 1) Obligation
 PN (copy 1) (HQP-HLF-283)
 DSBT (copy 1) (for original
borrower) shall
be sent to legal
heir/successor-
in-interest/
original
borrower thru
Courier Service
Provider.
19 Working
TOTAL:
Days and
5 Minutes
** The said functions may also be assigned to other personnel (i.e. Agency-Hired Contractual, Job Orders etc.
17
1038
7. Settlement of Obligation under Non-Performing Assets Resolution Program
aims to assist highly delinquent borrowers with accounts under Foreclosure Department to maintain
dispose of non-performing assets at the highest value possible through cash payment.

Office or Division:
Housing Business Center
(CTS) or Deed of Conditional Sale (DCS), the CTS or DCS
has not yet been cancelled;
petition for extrajudicial foreclosure, the Fund is winning
bidder and Certificate of Sale is not yet registered
Who may avail:
 MCR/SCR Account where no single payment has been made
after the takeout date of original loan or after loan restructuring
date; provided that the chosen mode of settlement is either
through cash or installment payment

 A borrower or heir of deceased borrower, or borrower’s
1
1039
successor-in-interest who has filed or has a pending case against
the Fund relative to the foreclosure of REM or cancellation of
CTS/DCS
be mode of settlement for availing NPARP is through housing
loan revaluation

1. Offer to Settle (HQP-HLF-165) (1 original copy) Pag-IBIG website (www.pagibigfund.gov.ph) or in

any Pag-IBIG Branch


back-to-back) of Original Borrower. Any of the
following:
ID
Clearance
(GSIS) e-Card
1040
(OWWA) ID (OWWA)
(POEA)
(DSWD)

any Pag-IBIG Branch/Person being represented

Receipt/Tax Clearance and Tax Declaration Government Unit/Person being represented

Original Borrower (1 original copy and 1 any Pag-IBIG Branch/Person being represented
photocopy)
For OFW member

seaman’s book reflecting the entry date and/or
exit date to/from the Philippines (1 original copy
and 1 photocopy)
1041
- SPA notarized by a Philippine Consular
Consulate.
- Apostille SPA

back-to-back) of Original Borrower and
Representative. Any of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
4
1042
For Legal Heir

any Pag-IBIG Branch


photocopy)

Judicial Settlement of Estate (if title is in name of
borrower) or Proof of Relationship (if title is in
7. Proof of Surviving Legal Heirs (HQP-PFF-030) (1 Pag-IBIG website (www.pagibigfund.gov.ph) or in

seaman’s book reflecting the entry
(1 original copy and 1 photocopy
Officer
5
1043
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

1044

photocopy)




photocopy)
Notarized Special Power of Attorney (SPA) of Pag-IBIG website (www.pagibigfund.gov.ph) or in

Legal Heir (1 original copy and 1 photocopy) any Pag-IBIG Branch/Person being represented

Heir
Officer
1045
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
AFP ID, Pag-IBIG Loyalty Card
1046



Mortgage (if title is in name of borrower) or Deed

ID
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
1047
For Representative of Successor-in-Interest




Successor-in-interest (1 original copy and 1 any Pag-IBIG Branch/Person being represented
photocopy)
For OFW Successor-in-Interest

Officer
- Apostille SPA
10
1048
back-to-back) of Original Principal Borrower,
Successor-in-Interest and Representative. Any of
the following:
ID
Clearance
(GSIS) e-Card

(OWWA) ID (OWWA)
(POEA)
(DSWD)
For Buyer/Assignee

any Pag-IBIG Branch
11
1049
3. Deed of Absolute Sale or Deed of Conveyance Original Borrower/Owner

(1 photocopy)
4. Notarized Special Power of Attorney (SPA) of Original Borrower/Owner

original borrower (1 original copy and 1
photocopy)

Officer
- Apostille SPA

Buyer/Assignee. Any of the following:
ID
Clearance
(GSIS) e-Card
12
1050
(OWWA) ID (OWWA)
(POEA)
(DSWD)

any Pag-IBIG Branch


(1 photocopy)
Original Owner (1 original copy and 1
photocopy)
5. Notarized of Buyer/Assignee (1 original copy Pag-IBIG website (www.pagibigfund.gov.ph) or in

and 1 photocopy) any Pag-IBIG Branch/Person being represented
13
1051
For OFW Original Owner/Buyer/Assignee
Officer
- Apostille SPA
Buyer/Assignee and Representative. Any of the
following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
14
1052
(DSWD)

1. Proceed to the 1. Provide queue number None 1 Hour* Information Officer
Information Officer for desired transaction.
and get a queue
number and wait for
the number to be
called.
NOTES:
 For accounts
under
Remediation
Department, the
client shall be
endorsed to
Remediation
Department.
 For accounts
under
Foreclosure
Department, the
client shall be
endorsed to
Foreclosure
Department.
2. Approach the desk 2. Explain to borrower the None 30 Minutes Accounts

indicated in the policies and procedure Management
monitor once your on settlement of Analyst**
number is called. obligations thru Remediation
NPARP program. Department/
Foreclosure
15
1053
2.1 Verify if the borrower None 20 Minutes Department
is eligible to avail
NPARP program
based on criteria
stated in existing
guidelines.

inform the borrower
on the reason of
disapproval.
2.2 Issue Offer to Settle None 5 Minutes

to borrower.
3. Accomplish Offer to 3. Receive the required None 30 Minutes Accounts

Settle and submit the documents and check Management
required documents. the completeness. Analyst**
Remediation
Department/
3.1 Present the original 3.1 Accomplish and issue None 30 Minutes Foreclosure
copy of documents Acknowledgement Department
for authentication. Receipt (AR).
3.2 Get the AR that will 3.2 Secure Statement of None 2 Hours
be issued to Account (SOA) and
acknowledge the List of Foreclosure
receipt of the Expenses, if
documents. applicable from
Loans Accounting
Department (LAD).
3.3 Access system and None 15 Minutes

input details in the
system.
NOTE: In case the 15 Working

appraised value is not Days
updated, the Property
Valuation Department
shall conduct technical
inspection of the
property as requested
by the Remediation
Department/
16
1054
Foreclosure
Department.
3.4 Evaluate and approve None 2 Working Accounts

the application. Days Management
Specialist**
Remediation
3.5 Generate and sign None 2 Working
Department/
Notice of Approval thru Days Foreclosure
Cash Payment Department
(NOACP, HQP-HLF-
166, 2 copies). and
Approving Authority
3.6 Inform the borrower on None 30 Minutes Accounts

approval of application. Management
Specialist**
Remediation
Department/
Foreclosure
Department

Information Officer for the desired
number and wait for
the number to be
called.
5. Return to 5. Explain in detail the None 30 Minutes Accounts

Remediation content of the NOACP Management
Department/ to borrower. Specialist**
Foreclosure Remediation
Department and sign 5.1 Advise the borrower to Department/
None 30 Minutes
Foreclosure
the “Conforme” sign and submit the Department
portion of NOACP signed NOACP.
once the number is
called. 5.2 Issue NOACP to None 5 Minutes
borrower.
5.1 Get NOACP (copy 1).
NOTES:
a. The total amount
due shall be paid
within 30 calendar
17
1055
days from receipt
of this notice. The
borrower must
proceed to Loans
Support Services
Department
(LSSD) to pay the
amount due.
Proceed to
Citizens Charter
on Issuance of
Payment Order
Form (POF) and
Acceptance of
Loan
Amortization
Payment and
Other Amounts
due to the Fund
through Over-
the-Counter
(OTC) (Housing).
b. After payment, the

borrower must
present the PFOR
(original copy) and
submit the PFOR
(photocopy) to
Remediation
Department/
Foreclosure
Department to
update the system.
None 19 Working
TOTAL: Days, 7
Hours and
45 Minutes
18
1056
8. Settlement of Obligation under Non-Performing Asset Resolution Program
aims to assist highly delinquent borrowers to maintain their possession or use of the property under
modified terms and conditions and to immediately dispose of non-performing assets at the highest
value possible through housing loan revaluation.
 Remediation Department
Office or Division:
Center.
remediation activities as defined in the existing business rules of the
Fund, provided that:
- For SCR accounts that are secured by a Contract-to-Sell (CTS) or
Deed of Conditional Sale (DCS), the CTS or DCS has not yet been
cancelled;
- For MCR accounts that are secured by a Real Estate Mortgage
(REM) and are referred to foreclosure or with filed petition for
extrajudicial foreclosure, the Fund is winning bidder and
Certificate of Sale is not yet registered
Who may avail:
 MCR/SCR Account where no single payment has been made after the
takeout date of original loan or after loan restructuring date; provided
that the chosen mode of settlement is either through cash or
installment payment
Association loan accounts that are more than two (2) years in arrears
as of date of filing of application for settlement through NPARP;
provided, there are individual ledgers for the GLAD beneficiaries and
titles are already unitized

 A borrower or heir of deceased borrower, or borrower’s successor-in-
1
1057
interest who has filed or has a pending case against the Fund relative
to the foreclosure of REM or cancellation of CTS/DCS
 A borrower or heir of deceased borrower whose case against the Fund
relative to the foreclosure of REM or cancellation of CTS/DCS has
been decided in favor of the Fund
 A borrower whose loan account has been the subject of a Notice of
Buyback for breach of warranties due to fraud on loan documentation
and by misrepresentation
 A borrower who has not made a single payment after takeout date of
the original loan or after loan restructuring date and the would-be
mode of settlement for availing NPARP is through housing loan
revaluation
1. Housing Loan Application for Revaluation Pag-IBIG website (www.pagibigfund.gov.ph) or in

(HLAR, HQP-HLF-169) (1 original) any Pag-IBIG branch

3. Proof of Income
copy); and
attached BIR Form
1058
photocopy).

a. ITR (1 original certified true copy) (BIR Bureau of Internal Revenue (BIR)/ Department of
Form No. 1701) duly certified by BIR, Trade and Industry (DTI)/ Municipal’s Office/City
Audited Financial Statements (1 Hall
business location.



derived from rental payments).
e. Certified True Copy of Transport Franchise Local Government Unit (LGU)/ Land Transportation
issued by appropriate government agency Franchising and Regulatory Board (LTFRB)/
(LGU for tricycles, LTFRB for other PUVs, Transportation Association/Maritime Industry
MARINA for sea transportation) and valid Authority (MARINA)
1059
Barangay Secretary,
Barangay Captain

Department of
Environment and
Natural Resources
Government Unit
(LGU)/Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
1060
months).

the following:
and employer (1 photocopy); or Administration (POEA)/Philippine Consular Office
at Host Country/Member Services Office (MSO) at

Administration (POEA) Standard Contract Host Country/MSO at Pag-IBIG Overseas Post
(1 photocopy)

months

copy)

photocopy) (OWWA)
1061
Visa) (1 photocopy)
photocopy)
required.
back-to-back) of Principal Borrower and Spouse,
Co-Borrower and Spouse. Any of the following:
ID
Clearance
(GSIS) e-Card

(OWWA) ID (OWWA)
(POEA)
(DSWD)
1062

photocopy)
For Representative

(HLAR, HQP-HLF-169) any Pag-IBIG branch

3. Proof of Income
copy); and
Compensations (CEC), indicating the gross
1063
attached BIR Form No. 2316, duly
acknowledged by the BIR or authorized

a. ITR (1 original certified true copy) (BIR Bureau of Internal Revenue (BIR)/ Department of
Form No. 1701) duly certified by BIR, Trade and Industry (DTI)/ Municipal’s Office/ City
Audited Financial Statements (1 Hall
business location.



1064

Barangay Secretary,
Barangay Captain

Fishery Reform
(DAR)/Department of
Environment and
Natural Resources
Government Unit
(LGU)/Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
1065
months).

the following:

(1 photocopy)

months
copy)
photocopy) (OWWA)
10
1066
Visa) (1 photocopy)
photocopy)
required.
4. Notarized Special Power of Attorney (SPA) of Pag-IBIG website (www.pagibigfund.gov.ph)
the borrower/s and spouse (1 original copy and or in any Pag-IBIG Branch
1 photocopy)
For OFW borrower/co-borrower/s and spouse

date of arrival and departure (1 original copy
and 1 photocopy)

Consulate.”
- Apostille SPA

Co-Borrower and Spouse and Representative.
ID
11
1067
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
photocopy)
12
1068
(1 photocopy)
3. Duly accomplished/notarized Loan Agreement Pag-IBIG Branch
(For REM accounts) (HQP-HLF-173, 5 original
copies)
Mortgage Agreement (For CTS accounts)

Conditional Sale (For DCS accounts) (HQP-
HLF-180, 5 original copies)


(HQP-HLF-280) (copy 2)/Disclosure
Statement on Buyer’s Transaction (HQP-HLF-

9. If mode of payment is thru Post-Dated Issuing Bank/Borrower/Co-Borrower/Spouse

Checks, 12 PDCs
number and wait for
the number to be
called.
13
1069
monitor once your procedure on Analyst**
number is called. settlement of Remediation
obligations thru Department
NPARP program.
to avail NPARP
program based on
criteria
stated in existing
guidelines.

inform the borrower
on the reason of
disapproval.
2.2 Issue Housing Loan None 5 Minutes

Application for
Revaluation to
borrower.
3. Accomplish 3. Receive the None 15 Minutes Accounts
application form and required Management
submit the required documents and Analyst**
documents. check for Remediation

copy of documents issue
Receipt (AR).
3.2 Get the AR that will 3.2 Access system and None 15 Minutes Accounts
be issued to input details in Management
acknowledge the system. Specialist**
receipt of Remediation
documents. Department
3.3 Secure SOA and None 2 Hours Accounts

List of Foreclosure Management
Expenses, if Specialist**
14
1070
applicable from Remediation
Loans Accounting Department
Department (LAD).
and
Approving
Authority
NOTE: In case the None 15 Working Days
appraised value
is not updated,
the Property
Valuation
Department shall
conduct
technical
inspection of the
property as
requested by the
Remediation
Department.
3.4 Verify employer None 15 Minutes

and income
information.
3.5 Inform the borrower None 30 Minutes

on the result of the
pre-evaluation and
to pay One (1) year
insurance
premiums and
required equity (if
any).

number and wait for
the number to be
called.
5. Proceed to 5. Explain the result of None 30 Minutes Accounts

Remediation the pre-evaluation. Management
Department and get Specialist**
15
1071
POF once the 5.1 Generate and issue None 20 Minutes Remediation
number is called. Payment Order Form Department
(POF) for payment of
One (1) year
insurance premiums
and required equity
(if any).

to pay the insurance
premium and equity
(if any) at LSSD and
submit a photocopy
of the PFOR to
Remediation
Department.

1-year insurance based on POF. LSSD
premium and equity
(if any) at LSSD once 6.1 Generate and issue None 30 Minutes
your number is Pag-IBIG Fund
(PFOR).
will be issued upon
payment.
7. Photocopy the PFOR 7. Receive PFOR None 15 Minutes Accounts

and return to (photocopy) and Management
Remediation ensure the amount Specialist**
Department. paid is correct. Remediation
Department
7.1 Submit the PFOR 7.1 Access system and None 15 Minutes
(photocopy) once update payment
your number is made by the
called. borrower.
7.2 Present the original 7.2 Evaluate and None 2 Working Days Accounts
copy of the PFOR for approve Management
authentication. application. Specialist**
Remediation
16
1072
7.3 Generate the None 4 Hours Department
following
documents: and
 Notice of
Approval (NOA, Approving
Authority
HQP-HLF-172,
2 copies)
 Loan
Agreement (LA,
HQP- HLF-173,
6 copies) (for
REM accounts)
 Loans and
Mortgage
Agreement
(LMA, HQP-
HLF -162, 6
copies) (for
CTS accounts)
 Deed of
Conditional
Sale (DCS,
HQP-HLF-180,
6 copies) (for
DCS accounts)
 Promissory
Note (PN,
HQP-HLF-174,
6 copies)
 Disclosure
Statement on
Loan
Transaction
(DSLT, HQP-
HLF-085, 2
copies)
7.4 Inform the borrower None 30 Minutes Accounts

on the approval of Management
the application. Specialist**
Remediation
Department
17
1073
number and wait for
the number to be
called.

Remediation contents of the Management
Department once the applicable Specialist**
number is called and documents. Remediation
get the following Department
documents:
 NOA (2 copies)
 DSLT (2 copies)
 LMA/LA/DCS (6
copies)
 PN (6 copies)
NOTES: 9.1 Advise borrower to None 15 Minutes

a. The borrower sign on NOA,
must sign the DSLT, LMA/LA/
“conforme: portion DCS and PN and
of the NOAIP and process the
sign the applicable notarization of
loan documents. LMA/LA/DCS and
b. The borrower PN.
must comply the
requirements 9.2 Issue the following None 15 Minutes
indicated in the documents to
NOA. borrower:
 NOA (2 copies)
 DSLT (2 copies)
 LMA/LA/DCS (6
copies)
 PN (6 copies)

number and wait for
the number to be
called.
18
1074
11. Return to 11. Receive the required None 30 Minutes Accounts
Remediation documents and Management
Department and check for Specialist**
submit the required completeness. Remediation
documents once Department
your number is
called.
11.1 Get the following 11.1 Check None 15 Minutes

documents: notarization
 LMA/LA/DCS details of the loan
(copy 5) documents
 PN (copy 5) submitted.
11.2 Issue the None 15 Minutes

following to the
borrower:
 LMA/LA/DCS
(copy 5)
 PN (copy 5)

Days, 1 Hour
and 35 Minutes
19
1075
value possible through installment.

Office or Division:
Who may avail:

1
1076
CTS/DCS
loan revaluation

any Pag-IBIG Branch


following:
ID
Clearance
(GSIS) e-Card
1077
(OWWA) ID (OWWA)
(POEA)
- Seaman’s Boook or Seafarer’s Identification Maritime Industry Authority (MARINA)
(DSWD)



photocopy)
For OFW member
and 1 photocopy)
(1 original copy)
1078
but duly authenticated by Philippine
Consulate.
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1079
For Legal Heir



photocopy)



Officer
5
1080
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

1081

photocopy)





For OFW Legal Heir/Family Member of Legal Heir

Officer
1082
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

1083


ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1084



developer)

Successor-in-Interest (1 original copy and 1 any Pag-IBIG Branch/Person being represented
photocopy)

Officer
- Apostille SPA

the following:
10
1085
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
For Buyer/Assignee

any Pag-IBIG Branch


(1 photocopy)
11
1086
Original Borrower (1 original copy and 1
photocopy)

Officer
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
12
1087
(DSWD)

any Pag-IBIG Branch


(1 photocopy)

photocopy)

the Buyer/Assignee (1 original copy and 1 any Pag-IBIG Branch/Person being represented
Photocopy)

13
1088
Officer
- Apostille SPA

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
14
1089
1. Signed Notice of Approval for Installment Pag-IBIG Branch

Payment (NOAIP) (HQP-HLF-198) (1 original
copy) with conformity of the borrower
2. Duly accomplished and notarized Promissory Pag-IBIG Branch

Note (PN) (HQP-HLF-179) (5 original copies)

number and wait for
the number to be
called.
NOTES:
 For accounts
under
Remediation
Department, the
client shall be
endorsed to
Remediation
Department.
 For accounts
under
Foreclosure
Department, the
client shall be
endorsed to
Foreclosure
Department.
15
1090
indicated in monitor the policies and Management
once your number is procedures on Analyst**
called. settlement of Remediation
obligations thru Department/
NPARP program. Foreclosure
Department
is eligible to avail
NPARP program
based on criteria
stated in existing
guidelines.

inform the borrower
on the reason of
disapproval.

to borrower.
3. Accomplish offer to 3. Receive the required None 30 Minutes Accounts

settle and submit the documents and check Management
Remediation
3.1 Present original copy 3.1 Accomplish and None 30 Minutes Department/
of documents for issue Foreclosure
authentication. Acknowledgement Department
Receipt (AR).
be issued to 3.2 Access system and None 15 Minutes
acknowledge the input details in the
receipt of the system.
documents.
3.3 Secure Statement of None 2 Hours

Account (SOA) and
List of Foreclosure
Expenses, if
applicable from
Loans Accounting
Department (LAD).
16
1091
NOTE: In case the None 15 Working
appraised value is not Days
updated, the Property
Valuation Department
shall conduct technical
inspection of the
by the Remediation
Department/
Foreclosure
Department.

Remediation
Department/
3.5 Generate and sign None 1 Working
Foreclosure
the following Day and 4 Department
documents: Hours
 Notice of Approval and
thru Installment
Payment (NOAIP, Approving Authority
HQP-HLF-167, 2
copies)
 Promissory Note
(PN, HQP-HLF-
179, 6 copies)

on the result of the Management
evaluation. Specialist**
Remediation
Department/
Foreclosure
Department

number and wait for
the number to be
called.
17
1092
Remediation content of NOAIP and Management
Department and get PN. Specialist**
the NOAIP and PN Remediation
once the number is Department/
5.1 Advise member- None 30 Minutes Foreclosure
called. borrower to sign on Department
NOTES: NOAIP and PN and
a. The borrower process the
must sign the notarization of the
“conforme” PN.
portion of the
NOAIP and sign 5.2 Issue NOAIP (1 None 5 Minutes
the PN. copy) and PN (4
b. The borrower copies) to borrower.
must comply the
requirements
indicated in the
NOAIP.

number and wait for
the number to be
called.
7. Return to 7. Receive the None 30 Minutes Accounts

Remediation required documents Management
Department/ and check for Specialist**
Foreclosure completeness. Remediation
Department and Department/
Foreclosure
submit the required 7.1 Check notarization None 15 Minutes Department
documents once your details of the PN.
number is called.
7.1 Get PN (copy 5). 7.2 Issue PN (copy 5). None 5 Minutes
None 19 Working
TOTAL:
Days, 5
Hours and
35 Minutes
18
1093
LOANS REMEDIATION
(REGION)
EXTERNAL SERVICES
1094
1. Application for Loan Restructuring for Accounts
This housing loan restructuring program aims to assist delinquent borrowers/installment buyers whose
accounts are at least three (3) months in arrears to preserve their properties from foreclosure or
cancellation of Contract-to-Sell/Deed of Conditional Sale (CTS/DCS) by providing them the opportunity to
update or restructure their accounts under affordable terms and conditions.
This service shall start from receipt of Application for Loan Restructuring with the required documents up
to availability of Notice of Approval and loan documents.
Office or Division:  Loans Remediation-Loans Management and Recovery

(HBC)/Loans Management (HBC)
Business Center.
Who may avail: The program shall be open to Pag-IBIG housing loan borrowers
whose accounts are at least three (3) months in arrears. However,
borrowers with Sales Contract Receivable (SCR) accounts with
cancelled CTS/DCS by notarial act; Foreclosed Mortgage Contract
Receivable (MCR) accounts where the winning bidder is a third party
and Foreclosed MCR accounts, where the Pag-IBIG Fund is the
winning bidder, but the Certificate of Sale is already registered shall
be excluded from availing of this program.
REQUIREMENTS UPON LOAN APPLICATION
For Borrower
1. Duly Accomplished Application for Loan Pag-IBIG website (www.pagibigfund.gov.ph) or in any
Restructuring (HQP-HLF-001) (1 original Pag-IBIG Branch
copy)
3. Proof of Income
copy); and
1095
monthly income and monthly allowances;
notarize the said CEC with signature of the
authorized signatory of the employer or
Latest Income Tax Return (ITR) for the
No. 2316, stamped received by the BIR (1
photocopy).
For Self-Employed, any of the following

proof/s of income:
1701) duly certified by BIR, Audited Department of Trade and Industry (DTI) Municipal’s
Financial Statements (1 photocopy) and Office/ City Hall
b. Commission Voucher (1 photocopy) or Employer / Business Owner / Source of Commissions

Certification of commission received (1


1096
e. Certified True Copy of Transport Franchise Local Government Unit (LGU)/
issued by appropriate government agency Land Transportation Franchising and Regulatory
(LGU for tricycles, LTFRB for other PUVs, Board (LTFRB)/Transportation Association/Maritime

issued by owner of business or person Owner Authorized to
Barangay Secretary,
Barangay Captain
Fishery Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain

Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
Captain or Barangay
1097
months)

of the following:
 Employment Contract between Borrower/POEA/Philippine Consular Office at Host
employee and employer (1 photocopy); Country/MSO at Pag-IBIG Overseas Post
or

months
Company’s official letterhead (1
photocopy); or


following documents to support/
supplement the income documents
mentioned above:
photocopy)
1098
Visa) (1 photocopy)
photocopy)
- Professional License issued by Host Host country/Government
required.
borrower, and spouse, if applicable. Any of
the following:
- Driver’s License Land Transportation Office (LTO/ host country)
(PRC) ID
Clearance
(GSIS) e-Card
- Senior Citizen Card Local Government Unit (LGU)/Office of Senior Citizen
Affairs (OSCA)
(OWWA) ID
(POEA)
- Seaman’s Book or Seafarer’s Maritime Industry Authority (MARINA)
Identification and Record Book (SIRB)
- Alien Certification of Registration/ Immigrant Bureau of Immigration (BI)
(DSWD)
1099
Person

photocopy)
For representative
1. Duly Accomplished Application for Loan Pag-IBIG website (www.pagibigfund.gov.ph) or in any

copy)
3. Proof of Income
a. One (1) Month Payslip, within the last Employer
authorized signatory of the employer (1
certified true copy); and
1100
or Latest Income Tax Return (ITR) for the
No. 2316, stamped received by the BIR (1
photocopy)

1701) duly certified by BIR, Audited Department of Trade and Industry (DTI)/ Municipal’s
Financial Statements (1 photocopy), and Office/ City Hall
location.
b. Commission Voucher (1 photocopy) or Employer / Business Owner / Source of Commissions


authorization from the depositor to
conduct bank verification indicating the
following information (account name, type,
number, opening date, depository bank,
signature over printed name of depositor
IBIG Fund)
1101
subject of lease (1 photocopy) (if income
is derived from rental payments)
e. Certified True Copy of Transport Local Government Unit (LGU)/ Land Transportation
Franchise issued by appropriate Franchising and Regulatory Board (LTFRB)/
government agency (LGU for tricycles, Transportation Association/Maritime Industry
LTFRB for other PUVs, Authority (MARINA)
Barangay Secretary,
Barangay Captain
Agriculture/Forestry/ DAR)/DENR/DA/
Fishery LGU/Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
1102
fees on professional services,
commissions or services rendered (for the
last 12 months).

BIR Form No. 2307 (1 photocopy)
to support/supplement the income

of the following:
Administration (POEA), Philippine
Consular Office at Host Country or
Member Services Office (MSO) at Pag-
IBIG Overseas Post within the past 12
months
 Employment Contract between Borrower/Philippine Overseas Employment
employee and employer (1 photocopy); Administration (POEA)/Philippine Consular Office at
for seafarers; or Host Country/Member Services Office (MSO) at Pag-
IBIG Overseas Post
 Philippine Overseas Employment Borrower/POEA/Philippine Consular Office at Host
Administration (POEA) Standard Country/MSO at Pag-IBIG Overseas Post

months
copy);
 or CEC signed by employer (for Employer
employees) supported by a photocopy
of the employer’s ID or passport (1
original copy)

following documents to
support/supplement the income documents
mentioned above:
1103
photocopy)
Visa) (1 photocopy)
photocopy)
- Bank remittance record (1 original Member-Applicant/Borrower
copy)
- Professional License issued by Host Host country/Government
required.
borrower and spouse and representative, if
applicable. Any of the following:
(PRC) ID
Clearance
(GSIS) e-Card
- Senior Citizen Card Local Government Unit (LGU)/office of Senior Citizens
Affairs (OSCA)
(OWWA) ID
(POEA)
- National Council for the Welfare of National Council on Disability Affairs/(NCDA)
Disabled Persons (NCWPD) Certification Department of Social Welfare and Development (DSWD)
10
1104
birth), Notarized Affidavit of Two
Disinterested Person

photocopy)
7. Notarized Special Power of Attorney (SPA) of Pag-IBIG Branch

the borrower/s and co-borrowers and spouse
For OFW members/Co-Borrower
SPA duly authenticated by a Philippine
Consulate.
11
1105
- Apostille SPA
For Legal Heir
1. Duly Accomplished Application for Loan Pag-IBIG Website (www.pagibigfund.gov.ph), or any

copy

photocopy)
4. Birth Certificate of the Legal Heir (1 PSA

photocopy)

6. Affidavit of Publication (if title is in name of Lawyer

the borrower) (1 photocopy)

Philippines prior to date of departure with
photocopy of passport indicating the date
of arrival and departure (1 original copy
and 1 photocopy)

12
1106
- Apostille SPA

back-to-back) of Legal Heir. Any of the
following:
(PRC) ID
Clearance
(GSIS) e-Card
Affairs (OSCA)
(OWWA) ID
(POEA)
(DSWD)
Card)
13
1107
1. Duly Accomplished Application for Loan Pag-IBIG Website (www.pagibigfund.gov.ph), or any

copy)

photocopy)
4. Birth Certificate of the Legal Heir (1 PSA

photocopy)


7. Proof of Surviving Legal Heirs (HQP-PFF- Pag-IBIG website (www.pagibigfund.gov.ph) or in any

030) (1 original copy) Pag-IBIG Branch


Heir
14
1108
a Philippine Consulate.
- Apostille SPA

back-to-back) of Legal Heir and
representative. Any of the following:
(PRC) ID
Clearance
(GSIS) e-Card
Affairs (OSCA)
- Overseas Workers Welfare Overseas Workers Welfare Administration (OWWA)
Administration (OWWA) ID
(POEA)
(DSWD)
(GOCC) ID (e.g. AFP ID, Pag-IBIG
Loyalty Card)
15
1109
DOCUMENTS REQUIRED UPON LOAN

APPROVAL
1. Duly accomplished/notarized Loan Pag-IBIG Branch

Restructuring Agreement (3 original copies)
- For CTS Accounts (HQP-HLF-010)
- For REM Accounts (HQP-HLF-011)
- For DCS Accounts (HQP-HLF-662)
2. Real Estate Mortgage (pre-signed) (For CTS Pag-IBIG Branch

Accounts) (HQP-HLF-009) (3 original copies)

(HQP-HLF-008) (3 original copies)

copy), for employees with existing CSA & in or in any Pag-IBIG Branch
5. Notice of Approval (NOA, HQP-HLF- Pag-IBIG Branch

654/HQP-HLF-646) with conformity of the
borrower
6. Notarized Deed of Revocation of Notice of Pag-IBIG Branch

Cancellation (DRNOC, HQP-HLF-012) (3
original copies)

12 PDCs

get a queue number and desired transaction.
wait for the number to be
called.
16
1110
indicated in the monitor the policies and Management
once your number is procedure on loan Analyst II**
called. restructuring. Loans
Remediation-
Loans
2.1 Verify if the None 30 Minutes Management and
borrower is eligible Recovery (HBC)/
to avail of Loan Loans
Restructuring Management
based on the (HBC)
criteria stated in
the existing
guidelines.

inform the
borrower the
reasons of
disapproval.

Form to borrower.
3. Accomplish and submit 3. Receive the None 15 Minutes Accounts

the required documents. required Management
documents and Analyst II**
3.1 Present the original copy check for Loans
of the documents for completeness. Remediation-
Loans
authentication.
Management and
Recovery (HBC)/
3.2 Get the POF (2 copies) Loans
that will be issued. Management
(HBC)

application data in Management
the system. Specialist**
Loans
3.4 Verify income and None 30 Minutes Remediation-
employer Loans
Management and
information.
Recovery (HBC)/
3.5 Secure Statement None 1 Hour Loans
Management
of Account (SOA)
(HBC)
and List of
Foreclosure
17
1111
Expenses, if
applicable from
HL Accounting-
Loans
Management and
Recovery (HBC)/
HL Accounting
(HBC).
3.6 Generate None 1 Hour

Computation for
Down Payment
(HQP-HLF-659,
CFD) and
facilitate approval
of the document
from the
concerned
signatories.
3.7 Generate and None 15 Minutes Accounts

issue Payment Management
Order Form (POF) Analyst II**
for payment of the Loans
following: Remediation-
Loans
- Processing fee
Management and
- Downpayment Recovery (HBC)/
- One-year Loans
insurance Management
prepayment (HBC)
- Conversion
Expenses, if
any

borrower to pay at
Branch Support-
Branch and
submit the
photocopy of
PFOR to Loans
Remediation-
Loans
Management and
Recovery (HBC)/
18
1112
Loans
Management
(HBC).
4. Present the POF and pay 4. Accept the Processing 30 Minutes Cashier
the required down payment based Fee - Branch Support-
payment and applicable on the POF. PHP1,000 Branch
fees at Branch Support-
Branch once your number
is called. 4.1 Generate and None 30 Minutes
issue Pag-IBIG
4.1 Get the PFOR that will be Fund Receipt
issued upon payment. (PFOR).
5. Photocopy the PFOR and 5. Receive the None 15 Minutes Accounts

return to Loans PFOR Management
Remediation-Loans (photocopy) and Analyst II**
Management and ensure that the Loans
Remediation-
Recovery (HBC)/ Loans amount paid is
Loans
Management (HBC) correct. Management and
5.1 Submit the PFOR 5.1 Access the None 15 Minutes Recovery (HBC)/
Loans
(photocopy) once your system and input
Management
number is called. payment (HBC)
information.
5.2 Present the original copy
of the PFOR for 5.2 Accomplish and None 15 Minutes
authentication. issue
Acknowledgement
5.3 Get the AR (copy 1) that Receipt (AR)
will be issued to (HQP-HLF-005).
acknowledge the receipt
of the documents. 5.3 Evaluate and None 10 Working Accounts
approve Days Management
Application for Specialist **
Loan Loans
Restructuring. Remediation-
Loans
Management and
Recovery (HBC)/
Loans
Management
(HBC)
and
Approving
Authority
19
1113
5.4 Generate and None 4 Working Accounts
signs Notice of Days Management
Approval (NOA, Specialist **
HQP-HLF-654/ Loans
HQP-HLF-646, 2 Remediation-
Loans
copies) together
Management and
with 4 copies of the Recovery (HBC)/
following applicable Loans
loan documents to Management
borrower: (HBC)
- Promissory
Note (PN, HQP-
HLF-008)
- Real Estate
Mortgage (REM,
HQP-HLF-009)
for REM
accounts only
- Loan
Restructuring
Agreement
(LRA, HQP-
HLF-010/011/
662)
- Deed of
Revocation of
Notice of
Cancellation
(DRNOC, HQP-
HLF-012) for
CTS Accounts
only

on the Management
approval of the Analyst II**
loan. Loans
Remediation-
Loans
Management and
Recovery (HBC)/
Loans
Management
(HBC)
20
1114
6. Proceed to the Information 6. Provide queue None 1 Hour* Information
Officer and get a queue number for the Officer
number and wait for the desired transaction.
7. Return to Loans 7. Perform the Accounts
Remediation-Loans following: Management
Management and Analyst II**
Recovery (HBC)/ Loans 7.1 Explain the content None 30 Minutes Loans
Management (HBC) and of NOA and Remediation-
Loans
get the NOA (2 copies) applicable loan
Management and
and following loan documents. Recovery (HBC)/
documents (4 copies). Loans
- PN 7.2 Issue NOA (2 None 30 Minutes Management
- REM, for CTS only copies) and (HBC)
- LRA applicable loan
documents (4
- DRNOC, for CTS
copies) to
Accounts only borrower.
NOTES:
a. The borrower must sign
the “conforme” portion of
the NOA and sign the loan
documents.
b. The borrower must comply
the requirements indicated
in the NOA.
c. In case the mode of
payment of the borrower is
thru salary deduction, the
borrower must pay the
advance one-month
amortization at Branch
Support-Branch. Proceed
to Citizens Charter on
Issuance of Payment
Order Form (POF) and
Acceptance of
Remittance for
Membership Savings
(MS)/payment of Loan
Amortization and Other
Amounts due to the Fund
through Over-the-
Counter (OTC) (Member
Services).
21
1115
get a queue number and desired transaction.
wait for the number to be
called.
9. Return to Loans 9. Receive the None 30 Minutes Accounts
Remediation-Loans required Management
Management and documents and Analyst II**
Recovery (HBC)/ Loans check for Loans
Management (HBC) and completeness. Remediation-
Loans
submit the required
Management and
documents once your 9.1 Check notarization None 30 Minutes Recovery (HBC)/
number is called. details of the Loans
applicable loan Management
9.1 Present the original copy documents and (HBC)
of PFOR for payment for the
authentication, in case of advance first
salary deduction. monthly
amortization (if
9.2 Get the following applicable).
notarized loan documents
(copy 3): 9.2 Issue notarized None 15 Minutes
- PN loan documents
- REM, for CTS only (copy 3) to
- LRA borrower.
- DRNOC, for CTS
Accounts only
TOTAL: PHP 1, 000 15 Working

Days, 4 Hours
and 45
Minutes
22
1116
2. Application for Plan of Payment for Delinquent Housing Loan Borrowers
The program on the Plan of Payment allows housing loan borrower with accounts at least, or equivalent to
three (3) arrearages to update his/her housing account through payment of the said arrearages on the due
dates within the period of plan of payment. The borrower may choose to pay the arrearages through one-
time or installment payment. A borrower who promised to make one-time payment of the total amount due
shall pay within thirty (30) calendar days from the execution of the Promissory Note for Plan of Payment.
Meanwhile, the borrower who choose to settle the total amount due through installment shall pay up to a
maximum of three (3) months or six (6) months or one (1) year, whichever is applicable, starting from the
date of its approval.
This service shall start from the receipt of Plan of Payment Application with required documents up to
availability of Notice of Approval and loan documents.
 Loans Remediation-Loans Management and Recovery (HBC)/Loans

Management (HBC)
Accounting (HBC)
Office or Division:
Center.
The following housing loan accounts that are at least, or equivalent to
three (3) months in arrears subject to approval of the concerned Office
of the appropriate unit processing the Plan of Payment:
 Mortgage Contract Receivable (MCR) accounts secured by Real
Estate Mortgage (REM).
 Sales Contract Receivable (SCR) accounts subject of Contract-to-
Sell (CTS) or Deed of Conditional Sale (DCS).
The following are excluded from entering into Plan of Payment:

Who may avail:  Accounts subject to Buyback due to Breach of Warranty;
 Foreclosed Accounts with Certificate of Sale (COS) already
Registered;
 Accounts endorsed to Acquired Asset Management Group; and
 Default in the Payment of Installment under Plan of Payment. A
borrower shall be considered to have defaulted in the payment of
his monthly installment under plan of payment upon failure to
comply with the terms and conditions provided in his/her Promissory
Note for Plan of Payment.
1117


and spouse (if applicable). Any of the following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
(DSWD)
for authentication.
1118
For Representative


borrower and spouse and co-borrower and spouse any Pag-IBIG Branch/Person being Represented
For OFW Borrowers/Co-Borrowers



Officer
- Apostille SPA

spouse, co-borrower and spouse (if applicable).
Clearance
e-Card
1119
(OWWA) ID (OWWA)
(POEA)
Record Book (SIRB)
- Department of Social Welfare and Development Department of Social Welfare and Development
(DSWD) Certification (DSWD)
for authentication.

to be called.

monitor once your procedure on plan of Analyst II**
number is called. payment for Loans Remediation-
Loans Management
delinquent housing
and Recovery
loan borrowers. (HBC)/Loans
Management HBC)
is eligible to avail of
Plan of Payment
based on the criteria
stated in the existing
guidelines.
1120
inform the
borrower the
reason of
disapproval.

Form to borrower.
3. Accomplish the 3. Received the None 15 Minutes Accounts

application form and required documents Management
submit the required and check for Analyst II**
documents. completeness. Loans Remediation-
Loans Management
and Recovery
3.1 Present the original 3.1 Accomplish and issue None 15 Minutes (HBC)/Loans
copy of valid ID/s for Acknowledgement Management HBC)
authentication. Receipt (AR).
3.2 Get the AR that will be 3.2 Secure Statement of None 2 Working
issued to Account from Loans Days
acknowledge the Accounting
receipt of the Department (LAD).
documents.

approve application. Days Management
Specialist**
Loans Remediation-
3.4 Generate and review None 1 Working Day Loans Management
Notice of Approval and Recovery
(NOA, HQP-HLF- (HBC)/Loans
503/504) and Management (HBC)
Promissory Note (PN,
HQP-HLF-055). and
Approving Authority

on the approval of his Management
Loans Remediation-
Loans Management
and Recovery
(HBC)/Loans
Management (HBC)
1121
to be called.
5. Return to Loans 5. Generate Payment None 15 Minutes Accounts

Remediation-Loans Order Form (POF) for Management
Management and payment of the Specialist**
Recovery (HBC)/Loans following: Loans Remediation-
Management (HBC) - Downpayment one Loans Management
and Recovery
and get the following (1) month regular
(HBC)/Loans
documents once your housing loan Management (HBC)
number is called: amortization or at
- NOA (2 copies) least ten percent
- PN (4 copies) (10%) of his total
- POF amount due under
Plan of Payment,
NOTES: whichever is higher.
- Foreclosure
a. The borrower must Expenses, if any
sign the “Conforme” - Insurance
portion of the NOA premiums
and sign the PN. advanced by the
Fund, if any; and
b. The borrower must - One (1) year
comply with all the advance insurance
requirements premium if the
indicated in the NOA. housing loan was
excluded from the
insurance
coverage.
5.1 Explain to borrower None 15 Minutes

the amount to be
paid, procedure to be
undertaken, detail
contents of NOA and
PN.

documents:
- NOA (2 copies)
- PN (4 copies)
1122
- POF (2 copies)

to pay the
corresponding
amount at LSSD and
submit photocopy of
PFOR to Loans
Remediation-Loans
Management and
Recovery (HBC)/
Loans Management
(HBC).

pays the based on the POF. Branch Support-
corresponding amount Branch
once your number is 6.1 Issue Pag-IBIG Fund None 30 Minutes
(PFOR) to borrower.
6.1 Get the PFOR that will
be issued.
7. Photocopy the PFOR 7. Ensures that the None 15 Minutes Accounts

and return to Loans borrower pays the Management
Remediation-Loans total amount to be Analyst II**
Management and paid as indicated in Loans Remediation-
Recovery (HBC)/ the NOA. Loans Management
and Recovery
Loans Management
(HBC)/Loans
(HBC). Management (HBC)
7.1 Checks the following: None 15 Minutes
7.1 Submit the following  Consistency of the
documents once your information
number is called:  Signature on the
- PFOR (photocopy) documents
- Signed NOA (2  Notarization of PN
copies)
- Notarized PN (copy 7.2 Issue NOA (1 copy) None 15 Minutes
1 and 2) and notarized PN (1
copy).
copy of PFOR. 7.3 Access the system None 15 Minutes Accounts
and indicate that the Management
7.3 Get the following borrower has availed. Specialist**
documents: of plan of payment. Loans Remediation-
- NOA (1 copy) Loans Management
7 and Recovery
- Notarized PN (1
copy) (HBC)/Loans
Management (HBC)
6 Working
and 30 Minutes
1123
3. Application on Condonation of Penalties/Additional Interests
The program on the condonation of penalties/additional interest grants opportunities to Pag-IBIG Fund
members with arrears to preserve their properties from foreclosure or cancellation of Contract-to-Sell.
It shall also provide relief to delinquent borrowers to fully pay/fully update housing loan obligation
through condonation of accumulated penalties and additional interest.
The service shall start from submission of Application for Condonation of Penalties/Additional Interests
with required documents up to availability of approved Computation Sheet.
 Loans Remediation-Loans Management and Recovery

Office or Division: Accounting (HBC)
Business Center.
Any Pag-IBIG borrower with:
 Delinquent housing loan account
Who may avail:
 Account with expired term
 Account with no payment since takeout
1. Duly accomplished Application for Condonation of Pag-IBIG website - www.pagibigfund.gov.ph or in

Penalties/Additional Interests (HQP-HLF-540) (1 any Pag-IBIG branch
original copy)
(Land and Building) (1 photocopy) (if the mode of
settlement is thru full updating)
back-to-back) of Principal Borrower and Spouse
and Co-Borrower and Spouse (if applicable). Any
of the following:
ID
1124
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
For Representative
1. Duly accomplished Application for Condonation of Pag-IBIG website - www.pagibigfund.gov.ph or in

Penalties/Additional Interests (HQP-HLF-540) (1 any Pag-IBIG branch
original copy)

Receipt/Tax Clearance and Tax Declaration Government Unit/Person Being Represented
(Land and Building) (1 photocopy) (if the mode of
settlement is thru full updating)

borrower/s and spouse (1 original copy and 1 any Pag-IBIG Fund Branch/Person being
1125
with photocopy of passport indicating the date
of arrival and departure (1 original copy and 1
photocopy)

Consulate.
- Apostille SPA

Co-Borrower and Spouse, and Representative (if
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1126
FEES TO PROCESSIN PERSON

queue number and desired transaction.
be called.

indicated in the monitor the policies and Management
once your number is procedure for the Specialist**
called. condonation of Loans
penalties/ additional Remediation-
Loans
interests.
Management and
Recovery
(HBC)/Loans
Management
(HBC)
to avail the program
on condonation of
penalties/additional
interests.
NOTE:
the borrower the
reason of disapproval.
1127
for Condonation of
Penalties/
Additional Interests
(HQP-HLF-540).
3. Accomplish the 3. Receive the required None 20 Minutes Accounts

application form and documents and Management
submit the required check for Specialist**
documents. completeness. Loans
Remediation-
Loans
3.1 Present the original 3.1 Accomplish and issue None 30 Minutes Management and
copy of valid ID/s. Acknowledgement Recovery
Receipt (AR). (HBC)/Loans
3.2 Get AR that will be Management
issued to (HBC)
acknowledge receipt
of documents. 3.2 Secure latest None 2 Working
Statement of Days
Accounts (SOA) and
List of Foreclosure
Expenses (LFE), if
applicable, from HL
Accounting-Loans
Management and
Recovery (HBC)/HL
Accounting (HBC)

generate Specialist**
Computation Sheet Loans
(HQP- Remediation-
Loans
HLF-542, 2 copies).
Management and
Recovery
3.4 Approve and sign None 2 Working (HBC)/Loans
Computation Sheet. Days Management
(HBC)
and
Approving
Authority
1128
3.5 Inform the borrower/ None 30 Minutes Accounts
representative on the Management
availability of Specialist**
Computation Sheet. Loans
Remediation-
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)

and wait for the
5. Return to Loans 5. Advise the borrower None 30 Minutes Accounts

Remediation-Loans on the Management
Management and amount due to be Specialist**
Recovery (HBC)/ paid and request the Loans
Loans Management borrower to sign on Remediation-
Loans
(HBC and sign the the “Conforme”
Management and
“Conforme” portion of portion of Recovery
the Computation Computation Sheet. (HBC)/Loans
Sheet once your Management
number is called. (HBC)
5.1 Issue Computation None 30 Minutes
5.1 Get the Computation Sheet to borrower.
Sheet that will be
issued.
NOTES:
a. For full payment,
payment must be
made within thirty
(30) calendar days
from date of
notification of
approval of
application.
1129
b. For full updating,
payment must be
made within the day
of notification of
approval of
application.
On scheduled date,
the borrower must
proceed to Branch
Support-Branch to
pay the amount due.
Proceed to Citizens
Charter on
Issuance of
Payment Order
Form (POF) and
Acceptance of
Remittance of
Membership
Savings
(MS)/payment of
Loan Amortization
and Other Amounts
due to the Fund
through Over-the-
Counter (OTC)
(Member Services).
c. After payment, the
borrower must
present the PFOR
(original copy) and
submit the PFOR
(photocopy) to
Loans Remediation-
Loans Management
and Recovery (HBC)/
Loans Management
(HBC to update the
system.
None 6 Working
TOTAL: Days, 5
Hours and 30
Minutes
7
1130
4. Redemption of Foreclosed Property (For Full Payment)
of registration of Certificate of Sale (COS) by paying the redemption price through full payment.
Redemption.

Management (HBC)
Accounting (HBC)
Office or Division:
Center
Any Pag-IBIG borrower with foreclosed property not exceeding more than
Who may avail:
a year from the date of auction sale during foreclosure proceedings.

back-to-back) of original borrower. Any of the
following:
Clearance
- Government Service Insurance System (GSIS) Government Service Insurance System
e-Card (GSIS)
1131
(OWWA) ID (OWWA)
Record Book (SIRB)
Development (DSWD)

and 1 photocopy)
For OFW borrower/s and spouse


- SPA notarized by a Philippine Consular Government
1132
2. One (1) Valid ID with signature (1 photocopy, back-
to-back) of representative and borrower/ co-
Clearance
e-Card (GSIS)
(OWWA) ID (OWWA)
Record Book (SIRB)
Development (DSWD)
1133
For Legal Heir

photocopy)
3. Last Will and Testament (1 photocopy) or Extra- Original Borrower/Lawyer/Publisher

Judicial Settlement of Estate with Affidavit of
Publication (if title is in name of borrower)
4. Proof of Surviving Legal Heirs (HQP-PFF-030) (1 Pag-IBIG Website (www.pagibigfund.gov.ph)

original copy) or in any Pag-IBIG Branch

other Family Members of the Legal Heir (1 original

exit date to/from the Philippines prior to date of
departure with photocopy of passport

Officer

1134
Clearance
e-Card (GSIS)
(OWWA) ID (OWWA)
Administration
(POEA)
Record Book (SIRB)
Development (DSWD)

photocopy)
2. Birth Certificate of the legal heir (1 photocopy) Philippine Statistics Authority (PSA)

Publication (if title is in name of borrower)
1135
4. Proof of Surviving Legal Heirs (HQP-PPF-030) (1 Pag-IBIG Website (www.pagibigfund.gov.ph)
original copy) or in any Pag-IBIG Branch/Person being
represented

Legal Heir/Family Members of the Legal Heir (1
Notarized SPA of Legal Heir (1 original copy and 1 Person being represented
photocopy)
For OFW Legal Heir/Family Members of Legal Heir

exit date to/from the Philippines (1 original


Clearance
e-Card (GSIS)
1136
- Senior Citizen Card Local Government Unit (LGU)/
(OWWA) ID (OWWA)
Record Book (SIRB)
Persons (NCWDP) Certification Department of Social Welfare and
Development (DSWD)
For Buyer/Assignee
1. Deed of Absolute Sale/Deed of Assignment/ Deed Buyer/Assignee
of Sale with Assumption of Mortgage (1
photocopy)

and 1 photocopy)

back-to-back) of Original Borrower/s and spouse/s,
if applicable and Buyer/ Assignee. Any of the
following:
Clearance
e-Card (GSIS)
1137
(OWWA) ID (OWWA)
Record Book (SIRB)
Development (DSWD)
1. Deed of Absolute Sale/Deed of Assignment/ Deed Buyer/Assignee

of Sale with Assumption of Mortgage (1
photocopy)

and 1 photocopy)
3. Notarized SPA of Buyer/Assignee (1 original copy Person being represented
and 1 photocopy)
For OFW Original Borrower/s and spouse and
Buyer/Assignee
1138
back-to-back) of Original Borrower/s and spouse,
representative and buyer/assignee. Any of the
following:
Clearance
e-Card (GSIS)
(OWWA) ID (OWWA)
Record Book (SIRB)
Persons (NCWDP) Certification Department of Social Welfare and
Development (DSWD)
AFP ID, Pag-IBIG Loyalty Card).
9
1139
number and wait
for the number to
be called.

monitor once your undertaken in Loans
number is called. redemption of Remediation-
foreclosed property. Loans
Management and
Recovery (HBC)/
Loans
Management
(HBC)

redemptioner is
eligible to redeem
the foreclosed
property based on
the existing
guidelines.
NOTE:
the redemptioner on
the reason of
ineligibility to
redeem the
property.

redemptioner to
submit the required
documents.
redemption of and check the Loans
foreclosed completeness. Remediation-
property. Loans
10
1140
3.1 Present the 3.1 Prepare and issue None 30 Minutes Management and
original copy of Redemption Price Recovery (HBC)/
the documents for Computation Sheet Loans
authentication. for the initial Management
computation of the (HBC)
redemption price to
3.2 Get the the redemptioner.
Computation Sheet
for the initial 3.2 Process the None 4 Working Days Acquired Assets
computation of the retrieval of ROPA Officer III**
redemption price Folder from the Acquired Assets -
that will be issued. safekeeping facility. Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)
3.3 Secure Statement None 2 Working Days Member Services

of Account (SOA) Officer III**
and List of Loans
Foreclosure Remediation-
Expenses from HL Loans
Management and
Accounting-Loans
Recovery (HBC)/
Management and Loans
Recovery (HBC)/ Management
HL Accounting (HBC)
(HBC).
3.4 Prepare and None 2 Working Days Member Services

approve Officer III**
Redemption Price Loans
Computation Sheet Remediation-
for the final Loans
Management and
computation to be
Recovery (HBC)/
paid by the Loans
redemptioner. Management
(HBC)
and
Approving Authority

redemptioner on the Officer III**
Loans
11
1141
availability of the Remediation-Loans
final Computation Management and
Sheet. Recovery (HBC)/
Loans Management
(HBC)

number and wait
for the number to
be called.
5. Return to Loans 5. Generate Payment None 15 Minutes Member Services

Remediation- Order Form for the Officer III **
Loans payment of the Loans
Management and Redemption Price. Remediation-
Loans
Recovery (HBC)/
Management and
Loans 5.1 Issue the final None 15 Minutes Recovery (HBC)/
Management Computation Sheet Loans
(HBC) and get and POF. Management
final Computation (HBC)
Sheet and POF
once your number 5.2 Advise the None 15 Minutes
is called. redemptioner to 15
pay the
Redemption
Price at Branch
Support-Branch and
submit a photocopy
of PFOR to Loans
Remediation-Loans
Management and
Recovery (HBC)/
Loans Management
(HBC).
pays the based on the POF. Branch Support-
Redemption Price Branch
once your number
is called. 6.1 Issue Pag-IBIG None 30 Minutes
Fund Official
6.1 Get the PFOR Receipt (PFOR) to
that will be redemptioner.
issued.
12
1142
7. Photocopy the 7. Receive the PFOR None 15 Minutes Member Services
PFOR and return (photocopy) and Officer III**
to Loans ensure the amount Loans
Remediation- paid is correct. Remediation-
Loans Loans
Management and
Management and 7.1 Access the system None 15 Minutes Recovery (HBC)/
Recovery (HBC)/ and encode PFOR Loans
Loans details. Management
Management (HBC)
(HBC).
7.2 Process the posting None 6 Working Days Accounts
7.1 Submit PFOR of payment and Specialist**
(photocopy). issuance of HL Accounting-
Certificate of Full Loans Management
Payment to Loans and Recovery
7.2 Present the (HBC)/HL
Remediation-Loans Accounting (HBC)
original copy of Management and
PFOR for Recovery (HBC)/ and
authentication. Loans Management
(HBC). Approving Authority
7.3 Generate the None 2 Working Days Member Services

following Officer III**
documents: Loans
 Certificate of Remediation-
Loans
Redemption
Management and
 Release of Real Recovery (HBC)/
Estate Mortgage Loans
(ROREM, HQP- Management
HLF-374) (HBC)
 Home Financing
Documents
Release Form and
(HFDRF, HQP-
TMF-050) Approving Authority
 Deed of Release
of Assignment
(DORA, if
applicable)
7.4 Process the None 2 Working Days Member Services

notarization of the Officer III**
Certificate of Loans
Redemption, Remediation-
Loans
13
1143
ROREM and Management and
DORA, if Recovery (HBC)/
applicable. Loans Management
(HBC)
NOTE:
The Certificate of
Redemption,
ROREM and
HFDRF shall be
endorsed to Cash
and Administrative
Services Division-
Technical and
Administrative
Support (CASD-
TAS) for processing
the release of title
and Certificate of
Redemption to
redemptioner.
Proceed to
Citizen’s Charter
on Release of
Home Financing
Documents to
Borrower/Buyer/
Authorized
Representative/
Developer
None 18 Working Days,

TOTAL:
6 Hours and 40
Minutes
14
1144
5. Redemption of Foreclosed Property (For Installment)
of registration of Certificate of Sale (COS) by paying the redemption price through installment.
Redemption.
 Loans Management-Loans Management and Recovery

Accounting (HBC)
Office or Division:
Business Center
Any Pag-IBIG borrower with foreclosed property not exceeding more
Who may avail: than a year from the date of auction sale during foreclosure
proceedings.

back to back) of original borrower. Any of the
following:
ID
Clearance
1145
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

and 1 photocopy)

1146
Consulate.
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1147
For Legal Heir

photocopy)

Publication (if title is in name of borrower) (1
photocopy)


7. One (1) Valid IDs with signature of Legal Heir (1

photocopy, back-to-back). Any of the following:
1148
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

photocopy)
1149
4. Last Will and Testament (if any) (1 photocopy) Original Borrower/Lawyer/Publisher
5. Proof of Surviving Legal Heirs (HQP-PPF-030) Pag-IBIG Website (www.pagibigfund.gov.ph) or


7. Notarized SPA of Legal Heir (1 original copy Person being represented

and 1 photocopy)

Heir
(1 original copy and 1 photocopy
 For Non-Apostille Countries Philippine Embassy of Host Country/ Government
Consulate.
 For Apostille Countries Philippine Embassy of Host Country/ Government
- Apostille SPA
ID
Clearance
1150
(GSIS) e-Card
(OWWA) ID (OWWA)

(POEA)
(DSWD)
For Buyer/Assignee

photocopy)

and 1 photocopy)

1151

spouse, Buyer/Assignee. Any of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1152

photocopy)

and 1 photocopy)
4. Notarized SPA of Buyer/Assignee (1 original Pag-IBIG Website (www.pagibigfund.gov.ph) or in

copy and 1 photocopy) any Pag-IBIG Branch/Person being represented
For OFW Original Borrower and Buyer/

Assignee
Consulate.
- Apostille SPA
1153
spouse, representative and buyer/ assignee.
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
number and wait for
the number to be
called.
10
1154
monitor once your undertaken in Loans
number is called. redemption of Remediation-
foreclosed property. Loans
Management and
Recovery (HBC)/
2.1 Verify if the None 20 Minutes Loans
redemptioner is Management
eligible to redeem (HBC)
the foreclosed
property based on
the existing
guidelines.

inform the
redemptioner
on the reason
of ineligibility
to redeem the
property.

redemptioner to
submit the required
documents.

redemption of and check the Loans
foreclosed property completeness. Remediation-
once your number is Loans
Management and
called. Recovery (HBC)/
Loans
3.1 Present the original Management
copy of the (HBC)
documents for
authentication. 3.1 Prepare and issue None 30 Minutes
Redemption Price
3.2 Get the Computation Computation Sheet
Sheet for the initial for the initial
computation of the computation of the
redemption price that redemption price to
will be issued. the redemptioner.
11
1155
3.2 Process the None 4 Working Days
retrieval of ROPA
Folder from the
safekeeping facility.
3.3 Secure Statement None 2 Working Days Member Services

of Account (SOA) Officer III**
and List of Loans
Foreclosure Remediation-
Expenses from HL Loans
Management and
Accounting-Loans
Recovery (HBC)/
Management and Loans
Recovery (HBC)/HL Management
Accounting (HBC). (HBC)
3.4 Prepare and None 2 Working Days Member Services

approve Officer III**
Redemption Price Loans
Computation Sheet Remediation-
Loans
for the final
Management and
computation to be Recovery (HBC)/
paid by the Loans
redemptioner. Management
(HBC)
and
Approving Authority

redemptioner on the Officer III
availability of the Loans
final Computation Remediation-
Loans
Sheet.
Management and
Recovery (HBC)/
Loans
Management
(HBC)
12
1156
the number to be
called.
5. Return to Loans 5. Advise the None 20 Minutes Member Services

Remediation-Loans redemptioner to Officer III
Management and pay within the Loans
Recovery (HBC)/ redemption period. Remediation-
Loans Management Loans
Management and
(HBC) and get the
Recovery (HBC)/
final Computation Loans
Sheet and POF once Management
your number is (HBC)
called.
5.1 Issue the final None 5 Minutes
NOTE: Computation
The redemptioner Sheet to
must pay the redemptioner.
redemption price
within the redemption
period. Upon
payment, the
borrower must
proceed to Branch
Support-Branch.
Proceed to Citizens
Charter on
Issuance of
Payment Order
Form (POF) and
Acceptance of
Remittance for
Membership
Savings
(MS)/payment of
Loan Amortization
and Other Amounts
due to the Fund
through Over-the-
Counter (OTC)
(Member Services).
13
1157
6. Upon full payment, 6. Ensure that the None 30 Minutes Member Services
photocopy the name and amount Officer III
PFOR and return to paid is correct. Loans
Loans Remediation- Remediation-
Loans Management Loans
Management and
and Recovery
Recovery (HBC)/
(HBC)/ Loans Loans
Management Management
(HBC). (HBC)

details.
copy of PFOR for 6.2 Process the None 6 Working Days Accounts
authentication. posting of last Specialist**
payment and HL Accounting-
issuance of Loans Management
Certificate of Full and Recovery
(HBC)/HL
Payment to Loans Accounting (HBC)
Remediation-
Loans and
Management and
Recovery (HBC)/ Approving Authority
Loans
Management
(HBC).
6.3 Generate the None 2 Working Days Member Services

following Officer III**
documents: Loans
 Certificate of Remediation-
Redemption Loans
Management and
 Release of Real Recovery (HBC)/
Estate Loans
Mortgage Management
(ROREM, HQP- (HBC)
HLF-374
 Home and
Financing
Documents Approving Authority
Release Form
(HFDRM, HQP-
TMF-050)
14
1158
 Deed of
Release of
Assignment
(DORA), if
applicable
6.4 Process for the None 2 Working Days Member Services

notarization of the Officer III
Certificate of Loans
Redemption, Remediation-
ROREM and Loans
Management and
DORA, if
Recovery (HBC)/
applicable. Loans
Management
NOTE: (HBC)
The Certificate of,
ROREM and
HFDRM shall be
endorsed to Cash
and Administrative
Services Division-
Technical and
Administrative
Support (CASD-
TAS) for
processing the
release of title to
redemptioner.
Proceed to
Citizen’s Charter
on Release of
Home Financing
Documents to
Borrower/Buyer/
Authorized
Representative/
Developer.
18 Working Days,
TOTAL:
5 Hours and 35
Minutes
15
1159
6. Settlement of Obligation through Housing Loan under Non-Performing Assets
Resolution Program (NPARP) (For SCR/MCR Accounts – Heir/Successor)
aims to assist highly delinquent borrowers through their legal heir/successor-in-interest to maintain
dispose of non-performing assets at the highest value possible through housing loan.
 Loans Remediation-Loans Management and Recovery (HBC)/

Loans Management (HBC)
 Loans Evaluation-Loans Origination (HBC)/Loans Origination
(HBC)
Office or Division:
Business Center.
Type of Transaction: G2C
(CTS) or Deed of Conditional Sale (DCS), the CTS or DCS has
not yet been cancelled;
Who may avail:
petition for extrajudicial foreclosure, the Fund is winning bidder
and Certificate of Sale is not yet registered
 MCR/SCR Account where no single payment has been made after
the takeout date of original loan or after loan restructuring date;
provided that the chosen mode of settlement is either through cash
or installment payment
1
1160
 A borrower or heir of deceased borrower, or borrower’s successor-
in-interest who has filed or has a pending case against the Fund
relative to the foreclosure of REM or cancellation of CTS/DCS
be mode of settlement for availing NPARP is through housing loan
revaluation
For Legal Heir
1. Letter of Intent (HQP-HLF-201) (1 original copy) Pag-IBIG Website (www.pagibigfund.gov.ph) or






1161

Officer
(HQP-HLF-068) (2 original copies) in any Pag-IBIG Branch

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
3
1162
(DSWD)

represented






represented
1163
the Legal Heir (1 original copy and 1 photocopy) in any Pag-IBIG Fund Branch/Person being
represented

Heir
member is working but duly
Consulate.
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
1164
(POEA)
(DSWD)

in any Pag-IBIG Fund Branch


Mortgage (if title is in name of borrower)/Deed
1165
(HQP-HLF-068) (1 original copy) in any Pag-IBIG Fund Branch

back-to-back) of Original Principal Borrower
and Successor-in-Interest. Any of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
represented
1166
Mortgage (if title is in name of borrower)/Deed of
Transfer of Rights (if title is in name of
developer)(1 photocopy)
represented
5. Notarized Special Power of Attorney (SPA) of the Pag-IBIG website (www.pagibigfund.gov.ph) or
Legal Heir (1 original copy and 1 photocopy) in any Pag-IBIG Fund Branch/Person being
represented
For OFW Succesor-in-Interest
by local notary (of country where the
member is working but duly
Consulate.
- Apostille SPA
Successor-in-Interest and Representative. Any
of the following:
ID
Clearance
1167
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

(1 photocopy)


Mortgage Agreement (For REM accounts)

Conditional Sale (For CTS and DCS accounts)
1168
6. Disclosure Statement on Loan Transaction (For Pag-IBIG Branch

REM accounts only) (HQP-HLF-280, copy 2)
7. Disclosure Statement on Buyer’s Transaction Pag-IBIG Branch

(For CTS and DCS accounts only) (HQP-HLF-


12 PDCs

the number to be
called.
2. Approach the desk 2. Explain to None 30 Minutes Accounts

indicated in monitor borrower the Management
once your number is policies and Analyst II**
called. procedures on Loans
settlement of Remediation-Loans
Management and
obligations thru
Recovery
NPARP program. (HBC)/Loans
Management (HBC)
2.1 Verify if the legal None 20 Minutes
heir/successor-in-
interest is eligible
to avail NPARP
program based on
criteria stated in
10
1169
existing guidelines.
inform the
legal heir/
successor-in-
interest on the
reason of
disapproval.
2.2 Issue Letter of None 5 Minutes

Intent to borrower.
3. Accomplish letter of 3. Receive the None 15 Minutes Accounts

intent and submit required Management
required documents. documents and Analyst II**
check for Loans
3.1 Present the original completeness. Remediation-Loans
Management and
copy of documents
Recovery
for authentication. 3.1 Accomplish and None 15 Minutes (HBC)/Loans
issue Management (HBC)
3.2 Get the AR that will Acknowledgement
be issued to Receipt (AR).
acknowledge the
receipt of documents. 3.2 Access system None 15 Minutes
and input details
in the system.
3.3 Secure None 2 Hours

Statement of
Account (SOA)
and List of
Foreclosure
Expenses, if
applicable from
HL Accounting-
Loans
Management
and Recovery
(HBC)/HL
Accounting
(HBC).
11
1170
applicant’s Management
information and Specialist**
eligibility. Loans
Remediation-Loans
Management and
Recovery
(HBC)/Loans
Management (HBC)
NOTE: In case the None 15 Working Property Appraiser

appraised Days II
value is not PVU
updated, the
Property
Valuation Unit
shall conduct
technical
inspection as
requested by
Loans
Remediation-
Loans
Management
and Recovery
(HBC)/Loans
Management
(HBC).

Loans
Remediation-Loans
Management and
Recovery (HBC)/
Loans Management
(HBC)
and
Approving Authority
12
1171
3.6 Upon receipt of None 30 Minutes Data Encoder III**
NPARP Folder, Loans Evaluation-
extract Loans Origination
heir/successor- (HBC)/Loans
in-interest’s Origination (HBC)
information in
system.
3.7 Generate and None 4 Hours Mortgage Loans

signs the Specialist**
following Loans Evaluation-
documents Loans Origination
based on result (HBC)/Loans
Origination (HBC)
of evaluation:
and
For REM Account
- Notice of Approving Authority
Approval (NOA,
HQP-HLF-271,
2 copies)
- Loan and
Mortgage
Agreement
(LMA, HQP-
HLF-162, 6
copies)
- Promissory
Note (PN,
HQP-HLF-086,
6 copies)
- Disclosure
Statement of
Loan
Transaction
(DSLT, HQP-
HLF-280, 2
copies)
For CTS Account
- Notice of
Approval
(NOA, HQP-
HLF-271, 2
copies)
13
1172
- Deed of
Conditional
Sale (DCS,
HQP-HLF-180,
6 copies)
- Promissory
Note (PN,
HQP-HLF-086,
6 copies)
- Disclosure
Statement of
Buyer’s
Transaction
(DSBT, HQP-
HLF-281, 2
copies)
For DCS Account
- Notice of
Approval (NOA,
HQP-HLF-271,
2 copies)
- Deed of
Conditional
Sale (DCS,
HQP-HLF-180,
6 copies)
- Promissory
Note (PN,
HQP-HLF-086,
6 copies)
- Disclosure
Statement of
Buyer’s
Transaction
(DSBT, HQP-
HLF-281, 2
copies)
3.8 Inform legal heir/ None 30 Minutes Mortgage Loans

successor-in- Specialist
interest on the Loans Evaluation-
approval of Loans Origination
(HBC)/Loans
application.
Origination (HBC)
14
1173
be called.
5. Return to Loans 5. Explain in detail None 20 Minutes Mortgage Loans

Servicing-Loans the contents of Specialist/Member
Origination (HBC)/ the Services Officer**
Loans Origination applicable Loans Servicing-
(HBC) and get the document. Loans Origination
(HBC)/Loans
following documents
Origination (HBC)
once your number is 5.1 Advise borrower None 20 Minutes
called: to sign on the
 NOA (2 copies) documents and
For REM Account process the
 LMA (6 copies) notarization of
 PN (6 copies) applicable loan
 DSLT (2 copies) documents.
For CTS Account
 DCS (6 copies)
 PN (6 copies) 5.2 Issue the NOA (2 None 30 Minutes
 DSBT (2 copies) copies) and the
For DCS Account following
 DCS (6 copies) applicable
 PN (6 copies) documents:
 DSBT (2 copies) For REM Account
 LMA (6 copies)
NOTES:  PN (6 copies)
a. The legal  DSLT (2
heir/successor-in- copies)
interest must sign For CTS Account
the “conforme”  DCS (6 copies)
portion of the NOA  PN (6 copies)
and sign the  DSBT (2
applicable copies)
documents. For DCS Account
b. The legal  DCS (6 copies)
heir/successor-in-  PN (6 copies)
interest must  DSBT (2
comply the copies)
requirements
indicated in the
NOA.
15
1174
be called.
7. Return to Loans 7. Generate and None 30 Minutes Mortgage Loans

Servicing-Loans issue Payment Specialist**
Origination (HBC)/ Order Form Loans Servicing-
Loans Origination (POF) for Loans Origination
(HBC) and get POF payment of (HBC)/Loans
Origination (HBC)
once your number is insurance
called. premiums,
monthly
amortization (if
mode of payment
is salary
deduction) and
Transfer Cost
(applicable to
Mortgage
Contract
Receivable
Account).
7.1 Advise legal None 15 Minutes

heir/successor-
in-interest to pay
at Branch
Support-Branch
and submit
photocopy of
PFOR to Loans
Servicing-Loans
Origination
(HBC)/Loans
Origination
(HBC).

applicable expenses based on POF. Branch Support-
at Branch Support- Branch
Branch once your 8.1 Generate and None 20 Minutes
number is called. issue Pag-IBIG
16
1175
be issued upon (PFOR).
payment.
9. Photocopy the PFOR 9. Receive PFOR None 20 Minutes Mortgage Loans

(photocopy) and and ensure the Specialist**
return to Loans amount paid is Loans Servicing-
Servicing-Loans correct. Loans Origination
Origination (HBC)/ (HBC)/Loans
9.1 Receive the None 20 Minutes Origination (HBC)
Loans Origination
(HBC). required
documents and
9.1 Submit the PFOR check for
(photocopy) together completeness.
with the required
documents once your 9.2 Access the None 20 Minutes
number is called. system and input
payment
information.
copy of the PFOR for 9.3 Issue applicable None 20 Minutes
authentication. loan documents
(1 copy) to the
legal
9.3 Get the following heir/successor-
documents: in-interest.
For REM Account
 LMA (copy 1) NOTE: The Notice of
 PN (copy 1) Final Approval
 DSLT (copy 1) (HQP-HLF-
For CTS Account 270) and
 DCS (copy 1) Notice on
 PN (copy 1) Settlement of
 DSBT (copy 1) Obligation
For DCS Account (HQP-HLF-
 DCS (copy 1) 283) (for
 PN (copy 1) original
 DSBT (copy 1) borrower) shall
be sent to legal
heir/successor-
in-interest/
original
borrower thru
Courier Service
Provider.
19 Working
TOTAL:
17 Days and 5
Minutes
** The said functions may also be assigned to other personnel (i.e. Agency-Hired Contractual, Job Orders etc.
1176
value possible through cash payment.

Office or Division:  Property Valuation Unit
Who may avail: bidder and Certificate of Sale is not yet registered
1177
CTS/DCS
loan revaluation


any Pag-IBIG Branch


following:
ID
Clearance
(GSIS) e-Card
1178
(OWWA) ID (OWWA)
(POEA)
(DSWD)



photocopy)
For OFW member

and 1 photocopy)
1179
Consulate.
- Apostille SPA
back-to-back) of Original Borrower and
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1180
For Legal Heir

any Pag-IBIG Branch
photocopy)
5. Last Will and Testament (1 photocopy) Original Borrower/Lawyer
or Extra-Judicial Settlement of Estate (if title is in
name of borrower) or Proof of Relationship (if title
is in name of developer) (1 photocopy)




Officer
1181
- Apostille SPA
9. One (1) Valid ID with signature (1 photocopy, back-to-

back) of Legal Heir. Any of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1182



photocopy)




photocopy)


1183
Officer
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1184




ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1185




Successor-in-interest (1 original copy and 1 any Pag-IBIG Branch/Person being represented
photocopy)

Officer
10
1186
- Apostille SPA

the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
11
1187
For Buyer/Assignee

any Pag-IBIG Branch
(1 photocopy)

original borrower (1 original copy and 1
photocopy)
For OFW Orginial Borrower

 For documents executed abroad (1 original copy
and 1 photocopy)
- Apostille SPA
ID
Clearance
12
1188
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

any Pag-IBIG Branch


(1 photocopy)

Original Owner (1 original copy and 1 photocopy)
5. Notarized of Buyer/Assignee (1 original copy Pag-IBIG website (www.pagibigfund.gov.ph) or in

and 1 photocopy) any Pag-IBIG Branch/Person being represented
13
1189
Officer
- Apostille SPA
following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
14
1190
(DSWD)

Information Officer for desired transaction.
and get a queue
number and wait for
the number to be
called.
2. Approach the desk 2. Explain to borrower the None 30 Minutes Accounts

indicated in the policies and procedure Management
monitor once your on settlement of Analyst**
number is called. obligations thru Loans
Management-
NPARP program.
Loans
Management and
2.1 Verify if the borrower None 20 Minutes Recovery
is eligible to avail (HBC)/Loans
NPARP program Management
based on criteria (HBC)
stated in existing
guidelines.

inform the
borrower on the
reason of
disapproval.

to borrower.
15
1191
3. Accomplish Offer to 3. Receive the required None 30 Minutes Accounts
Settle and submit the documents and check Management
Loans
3.1 Present the original 3.1 Accomplish and issue Management-
None 30 Minutes Loans
copy of documents Acknowledgement Management and
for authentication. Receipt (AR). Recovery
(HBC)/Loans
3.2 Get the AR that will 3.2 Secure Statement of None 2 Hours Management
be issued to Account (SOA) and (HBC)
acknowledge the List of Foreclosure
receipt of the Expenses, if
documents. applicable from HL
Accounting-Loans
Management and
Recovery (HBC)/ HL
Accounting (HBC).
3.3 Access system and None 15 Minutes

input details in the
system.
NOTE: In case the 15 Working Property Appraiser

appraised value is not Days II
updated, the Property Property Valuation
Unit
Valuation Unit shall
conduct technical
inspection of the
by the Loans
Management-Loans
Management and
Recovery (HBC)/
Loans Management
(HBC).
3.4 Evaluate and approve None 2 Working Accounts

the application. Days Management
Specialist**
16
1192
3.5 Generate and sign None 2 Working Loans
Notice of Approval thru Days Management-
Cash Payment Loans
(NOACP, HQP-HLF- Management and
166, 2 copies). Recovery
(HBC)/Loans
Management
(HBC)
and
Approving
Authority
3.6 Inform the borrower on None 30 Minutes Accounts

approval of application. Management
Specialist**
Loans
Management-
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)

Information Officer for the desired
number and wait for
the number to be
called.
5. Return to Loans 5. Explain in detail the None 30 Minutes Accounts

Management-Loans content of the NOACP Management
Management and to borrower. Specialist**
Recovery (HBC)/ Loans
Loans Management 5.1 Advise the borrower to Management-
None 30 Minutes
Loans
(HBC) and sign the sign and submit the Management and
“Conforme” portion of signed NOACP. Recovery
NOACP once the (HBC)/Loans
number is called. 5.2 Issue NOACP to None 5 Minutes Management
borrower. (HBC)
5.1 Get NOACP (copy 1).
17
1193
NOTES:
a. The total amount
due shall be paid
within 30 calendar
days from receipt
of this notice. The
borrower must
proceed to Branch
Support-Branch to
pay the amount
due. Proceed to
Citizens Charter
on Issuance of
Payment Order
Form (POF) and
Acceptance of
Remittance for
Membership
Savings
(MS)/payment of
Loan
Amortization and
Other Amounts
due to the Fund
through Over-
the-Counter
(OTC) (Member
Services).
b. After payment, the

borrower must
present the PFOR
(original copy) and
submit the PFOR
(photocopy) to
Loans
Management-
Loans
Management and
Recovery (HBC)/
Loans
Management
(HBC) to update
the system.
None 19 Working
TOTAL:
Days, 7 Hours
18
and
45 Minutes
1194
8. Settlement of Obligation under Non-Performing Asset Resolution Program
value possible through housing loan revaluation.

Management (HBC)
Office or Division:  Property Valuation Unit
Center.
remediation activities as defined in the existing business rules of the
Fund, provided that:
- For SCR accounts that are secured by a Contract-to-Sell (CTS) or
Deed of Conditional Sale (DCS), the CTS or DCS has not yet been
cancelled;
- For MCR accounts that are secured by a Real Estate Mortgage
(REM) and are referred to foreclosure or with filed petition for
extrajudicial foreclosure, the Fund is winning bidder and
Who may avail: Certificate of Sale is not yet registered
 MCR/SCR Account where no single payment has been made after the
takeout date of original loan or after loan restructuring date; provided
that the chosen mode of settlement is either through cash or
installment payment
Association loan accounts that are more than two (2) years in arrears
as of date of filing of application for settlement through NPARP;
provided, there are individual ledgers for the GLAD beneficiaries and
titles are already unitized
1195
 A borrower or heir of deceased borrower, or borrower’s successor-in-
interest who has filed or has a pending case against the Fund relative
to the foreclosure of REM or cancellation of CTS/DCS
 A borrower or heir of deceased borrower whose case against the Fund
relative to the foreclosure of REM or cancellation of CTS/DCS has
been decided in favor of the Fund
 A borrower whose loan account has been the subject of a Notice of
Buyback for breach of warranties due to fraud on loan documentation
and by misrepresentation
 A borrower who has not made a single payment after takeout date of
the original loan or after loan restructuring date and the would-be
mode of settlement for availing NPARP is through housing loan
revaluation

(HLAR, HQP-HLF-169) (1 original) any Pag-IBIG branch

3. Proof of Income
copy); and
preceding the date of
1196
photocopy).

1701) duly certified by BIR, Audited Trade and Industry (DTI)/ Municipal’s Office/ City
Financial Statements (1 photocopy), and Hall



1197
Barangay Secretary,
Barangay Captain

Department of
Environment and
Natural Resources
Government Unit
(LGU)/Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
1198
months).


the following:
within the past 12months
and employer (1 photocopy); or Administration (POEA)/Philippine Consular Office
at Host Country/Member Services Office (MSO) at

(1 photocopy)



copy)

1199
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)
required.

Co-Borrower and Spouse. Any of the following:
ID
Clearance
(GSIS) e-Card

(OWWA) ID (OWWA)
(POEA)
(DSWD)
1200
photocopy)
For Representative

(HLAR, HQP-HLF-169) any Pag-IBIG branch

3. Proof of Income
copy); and
1201
attached BIR Form No. 2316, duly
acknowledged by the BIR or authorized
1701) duly certified by BIR, Audited Trade and Industry (DTI)/ Municipal’s Office/ City
Financial Statements (1 photocopy), and Hall
location.
1202
Barangay Secretary,
Barangay Captain

Fishery Reform
(DAR)/Department of
Environment and
Natural Resources
Government Unit
(LGU)/Land Owner/
Barangay Captain or
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Secretary,
Barangay Captain
Barangay Captain or
Barangay Secretary,
Barangay Captain
1203
months).

the following:



(1 photocopy)

months

copy)

10
1204
photocopy) (OWWA)
Visa) (1 photocopy)
photocopy)
required.
4. Notarized Special Power of Attorney (SPA) of Pag-IBIG website (www.pagibigfund.gov.ph)

the borrower/s and spouse (1 original copy and or in any Pag-IBIG Branch
1 photocopy)
For OFW borrower/co-borrower/s and spouse

date of arrival and departure
Consulate.
- Apostille SPA

Co-Borrower and Spouse and Representative.
ID
11
1205
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

photocopy)
12
1206

(1 photocopy)

3. Duly accomplished/notarized Loan Agreement Pag-IBIG Branch

(For REM accounts) (HQP-HLF-173, 5 original
copies)

Mortgage Agreement (For CTS accounts)

Conditional Sale (For DCS accounts) (HQP-
HLF-180, 5 original copies)


(HQP-HLF-280) (copy 2)/Disclosure
Statement on Buyer’s Transaction (HQP-HLF-

9. If mode of payment is thru Post-Dated Issuing Bank/Borrower/Co-Borrower/Spouse

Checks, 12 PDCs
13
1207
number and wait for
the number to be
called.

monitor once your procedure on Analyst**
number is called. settlement of Loans
obligations thru Management-
Loans
NPARP program.
Management and
Recovery
2.1 Verify if the None 20 Minutes (HBC)/Loans
borrower is eligible Management
to avail NPARP (HBC)
program based on
criteria stated in
existing guidelines.

inform the borrower
on the reason of
disapproval.
2.2 Issue Housing Loan None 5 Minutes

Application for
Revaluation to
borrower.
3. Accomplish 3. Receive the None 15 Minutes Accounts

application form and required Management
submit the required documents and Analyst**
documents. check for Loans
completeness. Management-
Loans
Management and
3.1 Present the original 3.1 Accomplish and None 15 Minutes Recovery
copy of documents issue (HBC)/Loans
for authentication. Acknowledgement Management
Receipt (AR). (HBC)
14
1208
3.2 Get the AR that will 3.2 Access system and None 15 Minutes Accounts
be issued to input details in Management
acknowledge the system. Specialist**
receipt of Loans
documents. Management-
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)
3.3 Secure SOA and None 2 Hours Accounts

List of Foreclosure Management
Expenses, if Specialist**
applicable from HL Loans
Accounting-Loans Management-
Loans
Management and Management and
Recovery (HBC)/ Recovery
HL Accounting (HBC)/Loans
(HBC). Management
(HBC)
NOTE: In case the None 15 Working Days
appraised value is and
not updated, the
Property Valuation Approving
Unit shall conduct Authority
of the property as
requested by the
Loans Management
and Recovery
Department (HBC)/
Loans Management
(HBC).
3.4 Verify employer None 15 Minutes

and income
information.
15
1209
3.5 Inform the borrower None 30 Minutes
on the result of the
pre-evaluation and
to pay One (1) year
insurance
premiums and
required equity (if
any).

number and wait for
the number to be
called.
5. Proceed to Loans 5. Explain the result of None 30 Minutes Accounts

Management-Loans the pre-evaluation. Management
Management and Specialist**
Recovery (HBC)/ 5.1 Generate and issue None 20 Minutes Loans
Loans Management Management-
Payment Order Form
Loans
(HBC and get POF (POF) for payment of Management and
once the number is One (1) year Recovery
called. insurance premiums (HBC)/Loans
and required equity Management
(if any). (HBC)

to pay the insurance
premium and equity
(if any) at Branch
Support-Branch and
submit a photocopy
of the PFOR to
Loans Management-
Loans Management
and Recovery (HBC)/
Loans Management
(HBC).

1-year insurance based on POF. Branch Support-
premium and equity Branch
16
1210
(if any) at Branch 6.1 Generate and issue None 30 Minutes
Support-Branch once Pag-IBIG Fund
your number is Official Receipt
called. (PFOR).

will be issued upon
payment.
7. Photocopy the PFOR 7. Receive PFOR None 15 Minutes Accounts

and return to Loans (photocopy) and Management
Management-Loans ensure the amount Specialist**
Management and paid is correct. Loans
Recovery (HBC)/ Management-
Loans
Loans Management 7.1 Access system and None 15 Minutes Management and
(HBC). update payment Recovery
made by the (HBC)/Loans
7.1 Submit the PFOR borrower. Management
(photocopy) once (HBC)
your number is
called. 7.2 Evaluate and None 2 Working Days Accounts
approve Management
7.2 Present the original application. Specialist**
copy of the PFOR for Loans
authentication. Management-
Loans
7.3 Generate the None 4 Hours
Management and
following Recovery
documents: (HBC)/Loans
 Notice of Management
Approval (NOA, (HBC)
HQP-HLF-172,
2 copies) and
 Loan
Agreement (LA, Approving
HQP-HLF-173, Authority
6 copies) (for
REM accounts)
 Loan and
Mortgage
Agreement
(LMA, HQP-
HLF-162, 6
copies) (for
CTS accounts)
17
1211
 Deed of
Conditional
Sale (DCS,
HQP-HLF-180,
6 copies) (for
DCS accounts)
 Promissory
Note (PN,
HQP-HLF-174,
6 copies)
 Disclosure
Statement on
Loan
Transaction
(DSLT, HQP-
HLF-085, 2
copies)

on the approval of Management
the application. Specialist**
Loans
Management-
Loans
Management and
Recovery (HBC)/
Loans
Management
(HBC)

number and wait for
the number to be
called.

Management-Loans contents of the Management
Management and applicable Specialist**
Recovery (HBC)/ documents. Loans
(HBC) once the Loans
number is called and Management and
get the following Recovery (HBC)/
18
1212
documents: Loans
 NOA (2 copies) Management
 DSLT (2 copies) (HBC)
 LMA/LA/DCS (6
copies)
 PN (6 copies)
NOTES: 9.1 Advise borrower to None 15 Minutes

a. The borrower sign on NOA,
must sign the DSLT, LMA/LA/
“conforme: portion DCS and PN and
of the NOAIP and process the
sign the applicable notarization of
loan documents. LMA/LA/DCS and
b. The borrower PN.
must comply the
requirements 9.2 Issue the following None 15 Minutes
indicated in the documents to
NOA. borrower:
 NOA (2 copies)
 DSLT (2 copies)
 LMA/LA/DCS (6
copies)
 PN (6 copies)

number and wait for
the number to be
called.
11. Return to Loans 11. Receive the required None 30 Minutes Accounts
Management-Loans documents and Management
Management and check for Specialist**
Recovery (HBC)/ completeness. Loans
Loans
(HBC) and submit 11.1 Check None 15 Minutes Management and
the required notarization Recovery
documents once details of the loan (HBC)/Loans
your number is documents Management
called. submitted. (HBC)
19
1213
11.1 Get the following 11.2 Issue the None 15 Minutes
documents: following to the
 LMA/LA/DCS borrower:
(copy 5)  LMA/LA/DCS
 PN (copy 5) (copy 5)
 PN (copy 5)

Days, 1 Hour
and 35 Minutes
20
1214
value possible through installment.

Office or Division:
Who may avail:

1215
CTS/DCS
loan revaluation

any Pag-IBIG Branch


following:
ID
Clearance
(GSIS) e-Card
1216
(OWWA) ID (OWWA)
(POEA)
- Seafarer’s Identification and Record Book Maritime Industry Authority (MARINA)
(SIRB)
(DSWD)



photocopy)
For OFW member

and 1 photocopy)
1217
but duly authenticated by a Philippine
Consulate.
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1218
For Legal Heir
photocopy)





Officer
1219
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)

1220

photocopy)






Officer
1221
- Apostille SPA

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1222




ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1223
For Representative of Successor-in-Interest



developer)

Successor-in-Interest (1 original copy and 1 any Pag-IBIG Branch/Person being represented
photocopy)

Officer
- Apostille SPA
10
1224
the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
For Buyer/Assignee

any Pag-IBIG Branch
11
1225
(1 photocopy)
Original Borrower (1 original copy and 1
photocopy)

Officer
- Apostille SPA

ID
Clearance
(GSIS) e-Card
12
1226
(OWWA) ID (OWWA)
(POEA)
(DSWD)

any Pag-IBIG Branch


(1 photocopy)

photocopy)

the Buyer/Assignee (1 original copy and 1 any Pag-IBIG Branch/Person being represented
Photocopy)
13
1227
Officer
- Apostille SPA

following:
Clearance
e-Card
(OWWA) ID (OWWA)
(POEA)
14
1228
(DSWD)
1. Signed Notice of Approval for Installment Pag-IBIG Branch

Payment (NOAIP) (HQP-HLF-198) (1 original
copy) with conformity of the borrower
2. Duly accomplished and notarized Promissory Pag-IBIG Branch

Note (PN) (HQP-HLF-179) (5 original copies)

number and wait for
the number to be
called.

indicated in monitor the policies and Management
once your number is procedures on Analyst**
called. settlement of Loans
Management-
obligations thru
Loans
NPARP program. Management and
Recovery
2.1 Verify if the borrower None 20 Minutes (HBC)/Loans
is eligible to avail Management
NPARP program (HBC)
based on criteria
stated in existing
guidelines.
15
1229
inform the borrower
on the reason of
disapproval.

to borrower.
3. Accomplish offer to 3. Receive the required None 30 Minutes Accounts

settle and submit the documents and check Management
Loans
3.1 Present original copy 3.1 Accomplish and None 30 Minutes Management-
issue Loans
of documents for
Management and
Recovery
Receipt (AR). (HBC)/Loans
3.2 Get the AR that will Management
be issued to 3.2 Access system and None 15 Minutes (HBC)
acknowledge the input details in the
receipt of the system.
documents.
3.3 Secure Statement of None 2 Hours
Account (SOA) and
List of Foreclosure
Expenses, if
applicable from HL
Accounting-Loans
Management and
Recovery (HBC)/ HL
Accounting (HBC).
NOTE: In case the None 15 Working Property Appraiser

appraised value is not Days II
updated, the Property Property Valuation
Valuation Unit shall Unit
conduct technical
inspection of the
by the Loans
Management-Loans
Management and
Recovery (HBC)/
Loans Management
(HBC).
16
1230
Loans
Management-
3.5 Generate and sign None 1 Working Day
Loans
the following and 4 Hours Management and
documents: Recovery
 Notice of Approval (HBC)/Loans
thru Installment Management
Payment (NOAIP, (HBC)
HQP-HLF-167, 2
copies) and
 Promissory Note
(PN, HQP-HLF- Approving
179, 6 copies) Authority

on the result of Management
evaluation. Specialist**
Loans
Management-
Loans
Management and
Recovery
(HBC)/Loans
Management
(HBC)

number and wait for
the number to be
called.
Management-Loans contents of NOAIP Management
Management and and PN. Specialist**
Recovery (HBC)/ Loans
(HBC)and get the Loans
NOAIP and PN once Management and
the number is called. Recovery (HBC)/
NOTES: Loans
a. The borrower Management
(HBC)
17
1231
must sign the 5.1 Advise member- None 30 Minutes
“conforme” borrower to sign on
portion of the NOAIP and PN and
NOAIP and sign process the
the PN. notarization of the
b. The borrower PN.
must comply the
requirements 5.2 Issue NOAIP (1 None 5 Minutes
indicated in the copy) and PN (4
NOAIP. copies) to borrower.

number and wait for
the number to be
called.
7. Return to Loans 7. Receive the None 30 Minutes Accounts

Management-Loans required documents Management
Management and and check for Specialist**
Recovery (HBC)/ completeness. Loans
(HBC)and submit the 7.1 Check notarization None 15 Minutes Loans
required documents details of the PN. Management and
once your number is Recovery (HBC)/
called. Loans
Management
7.1 Get PN (copy 5). 7.2 Issue PN (copy 5). None 5 Minutes (HBC)
None 19 Working
TOTAL:
Days, 5 Hours
and
35 Minutes
18
1232
OTHER HOUSING RELATED TRANSACTION
(NCR)
EXTERNAL SERVICES
1233
1. Issuance of Replacement of Post-Dated Checks (PDCs) by the Borrower
Post-Dated Checks (PDCs) may be provided by Pag-IBIG housing loan borrowers for payment of
their monthly amortizations. In case of changes in information of PDCs, borrowers have the option to
replace their PDCs.
This service shall start from submission of Request for Replacement of PDCs up to availability of
Acknowledgement Receipt of replaced PDCs.

Office or Division:
Center.
Who may avail: Any Pag-IBIG housing loan borrower/buyer
1. One (1) valid with signature (1 photocopy, back-

to-back) of borrower/co-borrower. Any of the
following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1234
(DSWD)
2. Replacement of PDC/s Issuing Bank/Borrower/Co-Borrower
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
2
1235
2. Replacement of PDC/s Person being represented
3. Authorization Letter (1 original copy) Person being represented
number and wait for
the number to be
called.
2. Submit the required 2. Receive required None 10 Minutes Cash Clerk

documents once documents and IV
your number is check for LSSD
called. completeness.
2.1 Present the original 2.1 Validates the None 10 Minutes

copy of valid IDs for request.
authentication.
NOTE: If request was
2.2 Get the AR that will submitted less than 6
be issued to WDs before due
acknowledge receipt date, disapprove the
of documents. request.
2.2 Access the None 30 Minutes Cashier III

systems, encode LSSD
the details of
replaced PDCs. and
Approving
Authority
2.3 Generate and issue None 10 Minutes Cashier III
Acknowledgement LSSD
Receipt (AR).
TOTAL:3 None 2 Hours

1236
2. Issuance of Statement of Account
The Statement of Account serves as the summary of the total amount due of the subject housing
account as of a certain cut-off date. It also contains the total amount due for penalty, insurance, interest
and principal.
This service shall start from submission of Request for Statement of Account up to availability of
Statement of Account.

Office or Division:
Center.
Type of Transaction: G2C- Government to Client

back-to-back) of the borrower/co-borrower. Any
of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1237
(DSWD)
- Department of Social Welfare and DWSD

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1238
(DSWD)

the number to be
called.

documents once documents and Management
your number is check for Specialist**/
called. completeness. Senior Accounts
Specialist/
2.1 Validate identity of None 30 Minutes AMBD
copy of the ID for client.
authentication.
2.2 Process request None 2 Working
for issuance for Days
Statement of
Account (SOA,
HQP-HLF-
547/548).
NOTE: For full

payment,
secure the
Statement of
Account from
LAD.
1239
2.3 Print the SOA. None 30 Minutes Accounts
Management
2.4 Inform the None 1 Hour Specialist**/
borrower on the Senior Accounts
Specialist/
availability of SOA.
AMBD

the number to be
called.
4. Return to AMBD and 4. Issue SOA to None 15 Minutes Accounts

get SOA once the borrower. Management
number is called. Specialist**/
Senior Accounts
Specialist/
AMBD
2 Working
Days, 4 Hours
TOTAL: None
and 45
Minutes
1240
3. Issuance of Summary of Payment
The Summary of Payment summarizes the details the borrower’s housing loan amortizations. The
document is issued to borrowers who remit their monthly amortizations through Post-Dated Checks
(PDCs).
This service shall start from submission of Request for Summary of Payment up to availability of
Summary of Payment.

Office or Division:
Center.

of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1241
(DSWD)

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1242
2. Letter of Request for Summary of Payment Person being represented

(1 original copy)
the number to be
called.

Specialist/
AMBD
2.1 Present the original 2.1 Validate identity of None 30 Minutes
copy of the valid client.
IDs for
authentication.
2.2 Get the Summary of 2.2 Access the system None 1 Hour
Payment. and print the
Summary of
Payment.
2.3 Issue Summary of None 30 Minutes Accounts

Payment to Management
borrower. Specialist**/
Senior Accounts
Specialist/
AMBD
3 Hours and
TOTAL: None
30 Minutes
3
1243
4. Request for a copy of Mortgage Documents
Pag-IBIG housing loan borrowers may request for certain mortgage documents such as Transfer
Certificate of Title/Condominium Certificate of Title (TCT/CCT), Deed of Absolute Sale (DOAS), Tax
Declaration, Original Tax Receipts, etc. for whatever legal purpose it may serve. Upon request of the
borrower, the Fund may provide a certified image copy of the requested document. However, land
titles (i.e. TCT/CCT) may only be secured in the Registry of Deeds or Land Registration Authority.
This service shall start from submission of request for a copy of Mortgage Documents up to
availability of Mortgage Documents.

Office or Division:
Center.

of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1244
(DSWD)
2. Letter of Request for Mortgage Documents Borrower/Co-Borrower

(1 original copy)
3. Notarized Affidavit of Loss (if the requested Borrower/Co-Borrower

documents are Release of Real Estate
Mortgage (ROREM)/Cancellation/Release of
Deed of Assignment (CRDOA)

ID
Clearance
(GSIS) e-Card
1245
(OWWA) ID (OWWA)
(POEA)
(DSWD)
2. Letter of Request for Mortgage Documents Person being represented

(1 original copy)
3. Notarized Special Power of Attorney of the Person being represented

borrower/co-borrower (1 original copy)
For OFW Members

(1 original copy)
(1 original copy)
1246

number and wait
for the number to
be called.

Specialist/
2.1 Present the original AMBD
2.1 Validate identity of None 30 Minutes
copy of the client.
documents for
authentication. 2.2 Process the request None 5 Working Accounts
for the copy of Days Management
mortgage Specialist**/
documents. Senior Accounts
Specialist/
AMBD
2.3 Print the concerned None 1 Hour
mortgage
document.
2.4 Inform the None 1 Hour

borrower/ buyer on
the availability of
mortgage
documents.
1247
number and wait for
the number to be
called.
4. Return to AMBD 4. Issue copy of None 30 Minutes Accounts

and get the mortgage Management
requested documents to Specialist**/
mortgage borrower. Senior Accounts
documents once Specialist/
your number is NOTES: AMBD
called.
a. If request is land title
(i.e. TCT, CCT),
inform borrower that
the document may
only be obtained in
the Registry of
Deeds or Land
Registration
Authority.
b. If request is tax
declaration and tax
receipt, inform the
borrower that the
documents may be
obtained in the
Municipality where
the property is
located.
5 Working
and 30 Minutes
1248
5. Request for Certification (i.e. full payment, housing loan availment)
Pag-IBIG housing loan borrowers may request for certification for the status of their housing loan,
which include: full payment of their housing loans, availment or non-availment of housing loans. The
Certificates may serve as legal references for the borrower.
This service shall start from submission of Request for Certification up to availability of Certification.

Office or Division:

back-to-back) of the borrower/co-borrower.
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1249
(DSWD)
Card)
2. Letter of Request for Certification of any of the Borrower/Co-Borrower

following: (1 original copy)
- Full Payment;
- Housing Loan Availment; or
- Non-Availment of Housing Loan

(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1250
(DSWD)
2. Letter of Request for Certification of any of the Person being represented

- Full Payment;
the number to be
called.
2. Submit the required 2. Receive required None 1 Hour Accounts
Specialist/
AMBD
copy of the client.
documents for
authentication. 2.2 Check the status None 1 Hour
of the account.
1251
2.3 Prepare request None 1 Working Day
slip for preparation
of concerned
certificate.
2.4 Process request None 5 Working Days Accounts Analyst I

for Certification and II**/
and print LAD
requested
certificate. and
Approving Authority
LAD
2.5 Endorse the None 1 Hour and 45 Accounts Analyst I

Certificate to Minutes and II**/
AMBD. LAD

availability of Specialist**/
certificate. Senior Accounts
Specialist/
Member Services
Officer
IV
AMBD

transaction.
number and wait for
the number to be
called.
4. Return to AMBD 4. Issue certificate to None 15 Minutes Accounts

and secure borrower. Management
requested Specialist**/
Certificate once Senior Accounts
your number is Specialist/
AMBD
called.
6 Working Days,
TOTAL: None 7 Hours and 30
Minutes
1252
6. Request of Pull Out of Post- Dated Checks (PDCs) (i.e due to change of bank)
Post-dated checks are provided by housing loan borrowers as a form of payment for their housing loan
amortizations. Upon request of the borrower, the Fund may have their PDCs pulled-out.
This service shall start from submission of request for pull out of PDCs up to availability of PDCs.

Center.

of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1253
Certificate of Registration National Council on Disability Affairs (NCDA)/
- National Council for the Welfare of Disabled Department of Social Welfare and Development
Persons (NCWPD) Certification (DSWD)
2. Letter of Request Pull-Out of Post-Dated Checks Borrower/Buyer

(PDCs) (1 original copy)

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1254
(DSWD)
2. Letter of Request Pull-Out of Post-Dated Person being represented

number and wait for
the number to be
called.
2. Submit the required 2. Receives required None 30 Minutes Accounts

Specialist/
AMBD
copy of the request.
documents for
authentication. 2.2 Approve/disapprove None 30 Minutes
the request for pull
out.

submitted less
than 5 WDs
before check
date, disapprove
the request.
1255
Payment Order
Form (POF) to
borrower for
payment of pull-out
fee.

to pay the pull-out
fee at LSSD and
present original
copy of PFOR to
AMBD.
3. Present POF and 3. Accept the Pull-out Fee 30 Minutes Cashier

pay pull-out fee at payment based on - PHP 100 LSSD
LSSD once your the POF. per check
number is called.
3.1 Get the PFOR that Pag-IBIG Fund
will be issued upon Official Receipt
payment. (PFOR) to
borrower.

copy of PFOR once borrower’s name Management
your number is and amount paid is Specialist**/
called. correct. Senior Accounts
Specialist/
AMBD
4.1 Process request for None 30 Minutes Cashier III

pull-out of PDCs. LSSD
4.2 Endorse request None 6 Working Approving

and documents to Days Authority
AUB representative LSSD- Cash
for processing. Division
4.3 Upon receipt of None 30 Minutes Data Controller III

confirmation of LSSD
pulled out PDCs
from AUB, inform
the borrower on the
1256
availability of
certification of
pulled-out PDCs.
NOTE: The certification

may be
endorsed to the
borrower thru
email upon
request.
4.4 Endorse None 1 Hour

certification to
AMBD.

number and wait for
the number to be
called.
6. Return to AMBD and 6. Issue the None 30 Minutes Accounts

get the certification certification to the Management
once your number is borrower. Specialist**/
called. Senior Accounts
Specialist/
AMBD
PHP 100 7 Working

TOTAL:
per check Days
NOTE: The Pull-out fee of 100.00 per check shall not be required in the following instances:
 Force Majeure
 Availment of Pag -IBIG Housing Loan or Short-Term Loan Moratorium Program
 Borrower’s death
 Closure or merger of Drawee Bank
 Dacion en Pago
 Account closed by bank
 Foreclosure of REM account
 Cancellation of CTS account
 Automatic Repricing of the housing loan account
 Prepayment of pre-termination of loan prior to maturity
1257
7. Request for Reconciliation/ Adjustment of Payment
The request for reconciliation/adjustment of payment allows Pag-IBIG housing loan borrowers to
adjust their monthly amortization payments. Adjustments in housing loan amortizations may be
requested in case of adjustment of a borrower’s loan term, interest rate, etc.
This service shall start from submission of Request for Reconciliation/ Adjustment of Payment up to
availability of reconciled/adjusted payment.

 Remediation Department
Office or Division:
Center.

back-to-back) of the borrower/ co-borrower. Any
of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
1258
Development (DSWD)
2. Letter of Request for Reconciliation/Adjustment Borrower/Co-Borrower

of Payment (1 original copy)
3. Incident Report, if applicable (1 original copy) Accredited Collecting Partners of Pag-IBIG

Fund where payment was made
4. Pag-IBIG Fund Official Receipt or any proof of Borrower/Co-Borrower

payment indicating the amount subject for
adjustment of payment. (i.e. excess or lacking
amount) (1 photocopy)

ID
Clearance
1259
(GSIS) e-Card
(OWWA) ID (OWWA)
Development (DSWD)
2. Letter of Request for Reconciliation/Adjustment Person being represented



3
1260
the number to be
called.
2. Submit the required 2. Receives required None 1 Hour Accounts

Specialist
AMBD
copy of the client.
documents for
authentication. 2.2 Check the status None 30 Minutes
of the account.
2.3 Prepare Memo to None 1 Working Day

LAD requesting for
the reconciliation/
adjustment of
payment.
2.4 Process the None 5 Working Accounts Analyst I

request for Days and Accounts
reconciliation/ Analyst II/
adjustment of Accounts
payment. Management
Specialist**
LAD
2.5 Prepare memo to None 4 Hours Senior Accounts

AMBD on the Management
reconciliation/adju Specialist/Accounts
stment of Management
Analyst I/
payment.
Accounts
Management
2.6 Advise the None 1 Hour Specialist/Member
borrower on the Services Officer
reconciliation/ IV
adjustment of AMBD
payment.
7 Working
TOTAL: None
Days
1261
8. Updating of Borrower’s Record
Pag-IBIG members and housing loan borrowers have the option to update their personal profile at any
time with any of the Fund’s branches. This may include changing their names, birthdate, contact
details, and home addresses.
This service shall start from submission of Member’s Change of Information Form up to availability of
updated borrower’s record.

 Information Technology Infrastructure Department (ITID)
Center.
Basic Requirements
1. Member’s Change of Information Form Pag-IBIG Website (www.pagibigfund.gov.ph) or
(HQP-PFF 049) (1 original copy) in any Pag-IBIG Branch

of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
1262
(POEA)
(DSWD)
Additional Requirements
1. For change in name (for reason other than
marriage):
- Birth Certificate with remarks on corrections Philippine Statistics Authority (PSA)
(1 photocopy)
2. For correction of date of birth:

- Birth Certificate with remarks on corrrections PSA
(1 photocopy)
3. For change of marital status from “single” to

“married”:
- Marriage Contract with Registry Number (1 PSA
photocopy)
4. For change of marital status from “married” to

“single”:
- Marriage Contract with Supplemental Report PSA

“widowed”:
- Death Certificate of deceased spouse (1 PSA
photocopy)
6. For correction of place of birth/mother’s maiden

name/gender (Due to erroneous coding):
- Birth Certificate (1 photocopy) PSA
1263
NOTES:
a. In case there is no record in PSA, the PSA shall issue a certification indicating negative
records, secure from Local/Municipal Civil Registrar Certified True Copy (with stamped that
it was already endorsed to PSA) shall be submitted.
b. In all instances wherein photocopies are submitted, the original document must be
Basic Requirements

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1264
3. Letter of Request for Updating of Borrower’s Borrower/Buyer

Record (if request is change of name or
birthdate) (1 original copy)
4. Authoritization Letter Borrower/Buyer
marriage):
(1 photocopy)

- Birth Certificate with remarks on corrrections PSA
(1 photocopy)

“married”:
photocopy)

“single”:

“widowed”:
photocopy)

NOTES:
1265

number and wait for
the number to be
called.

1. Specialist/
AMBD
copy of the client.
documents for
authentication.
2.2 Process request for None 6 Working If request is

updating of Days change of email
borrower’s records. or home
address:
Senior Accounts
Management
Specialist/
Accounts
Management
Analyst I**/
Accounts
Management
Specialist**
AMBD
If request is
change of name
or birthdate:
1266
Information
Technology
Officer II/
Information
Technology
Officer I
ITID
2.3 Inform client on None 1 Hour Senior Accounts

update of his Management
profile. Specialist/
Accounts
Management
Analyst I**/
Accounts
Management
Specialist**/
AMBD
6 Working
Hours
1267
OTHER HOUSING RELATED TRANSACTION
(REGION)
EXTERNAL SERVICES
1268
1. Issuance of Replacement of Post-Dated Checks (PDCs) by the Borrower
Post-Dated Checks (PDCs) may be provided by Pag-IBIG housing loan borrowers for payment of their
monthly amortizations. In case of changes in information of PDCs, borrowers have the option to
replace their PDCs.
This service shall start from submission of Request for Replacement of PDCs up to availability of
Acknowledgement Receipt of replaced PDCs.
Any Pag-IBIG Branch. However, the application shall be forwarded to and

Office or Division:
1. One (1) valid with signature (1 photocopy, back-

to-back) of borrower/co-borrower. Any of the
following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1269
(DSWD)
2. Replacement of PDC/s Issuing Bank/Borrower/Co-Borrower
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1270
2. Replacement of PDC/s Person being represented
number and wait for
the number to be
called.
2. Submit the required 2. Receive required None 10 Minutes Cash Clerk

documents once documents and IV
your number is check for Branch Support-
called. completeness. Branch

copy of valid IDs for request.
authentication.
2.2 Get the AR that will submitted less than 6
be issued to WDs before due
acknowledge receipt date, disapprove the
of documents. request.
2.2 Access the None 30 Minutes Cashier III

systems, encode Branch Support-
the details of Branch
replaced PDCs.
and
Approving
Authority
2.3 Generate and issue None 10 Minutes Cashier III

Acknowledgement Branch Support-
Receipt (AR). Branch
TOTAL:3 None 2 Hours

1271
2. Issuance of Statement of Account
The Statement of Account serves as the summary of the total amount due of the subject housing
account as of a certain cut-off date. It also contains the total amount due for penalty, insurance, interest
and principal.
This service shall start from submission of Request for Statement of Account up to availability of
Statement of Account.

Management (HBC)
Center.

of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1272
(DSWD)
- Department of Social Welfare and DWSD

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1273
(DSWD)

the number to be
called.

Specialist/
2.1 Validate identity of None 30 Minutes Loans
Management-
copy of the ID for client.
Loans
authentication. Management and
2.2 Process request None 2 Working Recovery (HBC)/
for issuance for Days Loans
Statement of Management
Account (SOA, (HBC)
HQP-HLF-
547/548).
NOTE: For full

payment,
secure the
Statement of
Account from
HL Accounting-
Loans
1274
Management
and Recovery
(HBC)/HL
Accounting
(HBC).
2.3 Print the SOA. None 30 Minutes Accounts

Management
2.4 Inform the None 1 Hour Specialist**/
borrower on the Senior Accounts
availability of SOA. Specialist/
Loans
Management-
Loans
Management and
Recovery (HBC)/
Loans
Management
(HBC)

the number to be
called.
4. Return to Loans 4. Issue SOA to None 15 Minutes Accounts

Management-Loans borrower. Management
Management and Specialist**/
Recovery (HBC)/ Senior Accounts
Loans Management Specialist/
Loans
(HBC) and get SOA
Management-
once the number is Loans
called. Management and
Recovery (HBC)/
Loans
Management
(HBC)
2 Working
Days, 4 Hours
TOTAL: None
and 45
Minutes
1275
3. Issuance of Summary of Payment
The Summary of Payment summarizes the details the borrower’s housing loan amortizations. The
document is issued to borrowers who remit their monthly amortizations through Post-Dated Checks
(PDCs).
This service shall start from submission of Request for Summary of Payment up to availability of
Summary of Payment.

Management (HBC)
Center.

of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1276
(DSWD)

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1277
2. Letter of Request for Summary of Payment Person being represented

(1 original copy)
the number to be
called.

Specialist/
Loans
2.1 Present the original 2.1 Validate identity of None 30 Minutes Management-
copy of the valid client. Loans
IDs for Management and
authentication. Recovery (HBC)/
Loans
2.2 Get the Summary of 2.2 Access the system None 1 Hour Management
Payment. and print the (HBC)
Summary of
Payment.
1278
2.3 Issue Summary of None 30 Minutes Accounts
Payment to Management
borrower. Specialist**/
Senior Accounts
Specialist/
Loans
Management-
Loans
Management and
Recovery (HBC)/
Loans
Management
(HBC)
3 Hours and
TOTAL: None
30 Minutes
1279
4. Request for a copy of Mortgage Documents
Pag-IBIG housing loan borrowers may request for certain mortgage documents such as Transfer
Certificate of Title/Condominium Certificate of Title (TCT/CCT), Deed of Absolute Sale (DOAS), Tax
Declaration, Original Tax Receipts, etc. for whatever legal purpose it may serve. Upon request of the
borrower, the Fund may provide a certified image copy of the requested document. However, land
titles (i.e. TCT/CCT) may only be secured in the Registry of Deeds or Land Registration Authority.
This service shall start from submission of request for a copy of Mortgage Documents up to
availability of Mortgage Documents.

Management (HBC)
Center.

of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
1280
(POEA)
(DSWD)
2. Letter of Request for Mortgage Document/s Borrower/Co-Borrower

(1 original copy)


ID
Clearance
(GSIS) e-Card
1281
(OWWA) ID (OWWA)
(POEA)
(DSWD)
2. Letter of Request for Mortgage Documents Person being represented

(1 original copy)
3. Notarized Special Power of Attorney of the Person being represented

borrower/co-borrower (1 original copy)
For OFW Members

(1 original copy)
(1 original copy)
1282

number and wait
for the number to
be called.

Specialist/
Loans
Management-
copy of the client. Loans
documents for Management and
Loans
Management
(HBC)
2.2 Process the request None 5 Working Accounts

for the copy of Days Management
mortgage Specialist**/
documents. Senior Accounts
Specialist/
Loans
2.3 Print the concerned None 1 Hour Management-
mortgage Loans
document. Management and
Recovery (HBC)/
2.4 Inform the None 1 Hour Loans
borrower/ buyer on Management
the availability of (HBC)
mortgage
documents.
1283
number and wait for
the number to be
called.
4. Return to Loans 4. Issue copy of None 30 Minutes Accounts

Management-Loans mortgage Management
Management and documents to Specialist**/
Recovery (HBC)/ borrower. Senior Accounts
Loans Management Specialist/
Loans
(HBC) and get the NOTES:
Management-
requested Loans
mortgage a. If request is land title Management and
documents once (i.e. TCT, CCT), Recovery (HBC)/
your number is inform borrower that Loans
called. the document may Management
only be obtained in (HBC)
the Registry of
Deeds or Land
Registration
Authority.
b. If request is tax
declaration and tax
receipt, inform the
borrower that the
documents may be
obtained in the
Municipality where
the property is
located.
5 Working
and 30 Minutes
1284
5. Request for Certification (i.e. full payment, housing loan availment)
Pag-IBIG housing loan borrowers may request for certification for the status of their housing loan,
which include: full payment of their housing loans, availment or non-availment of housing loans. The
Certificates may serve as legal references for the borrower.
This service shall start from submission of Request for Certification up to availability of Certification.

Management (HBC)
Office or Division:
(HBC)

back-to-back) of the borrower/co-borrower.
(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1285
(DSWD)
Card)
2. Letter of Request of Certification of any of the Borrower/Co-Borrower

- Full Payment;

(PRC) ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
1286
(POEA)
(DSWD)
Card)
2. Letter of Request for Certification of any of the Person being represented

- Full Payment;
the number to be
called.
2. Submit the required 2. Receive required None 1 Hour Accounts
Specialist/
Loans
1287
documents for 2.2 Check the status None 1 Hour Management and
authentication. of the account. Recovery (HBC)/
Loans
2.3 Prepare request None 1 Working Day Management
(HBC)
slip for preparation
of concerned
certificate.
2.4 Process request None 5 Working Days Accounts Analyst I

for Certification and II**/
and print HL Accounting-
requested Loans
certificate. Management and
Recovery (HBC)/
HL Accounting
(HBC)
and
Approving Authority
HL Accounting-
Loans
Management and
Recovery (HBC)/
HL Accounting
(HBC)
2.5 Endorse the None 1 Hour and 45 Accounts Analyst I

Certificate to Minutes and II**/
Loans HL Accounting-
Management- Loans
Loans Management and
Recovery (HBC)/
Management and HL Accounting
Recovery (HBC)/ (HBC)
Loans
Management
(HBC).

availability of Specialist**/
certificate. Senior Accounts
Specialist/
Member Services
Officer
IV
Loans
1288
Management-
Loans
Management and
Recovery (HBC)/
Loans
Management
(HBC)

transaction.
number and wait for
the number to be
called.
4. Return to Loans 4. Issue certificate to None 15 Minutes Accounts

Management-Loans borrower. Management
Management and Specialist**/
Specialist/
Loans Management
Loans
(HBC) and secure Management-
requested Loans
Certificate once Management and
your number is Recovery (HBC)/
called. Loans
Management
(HBC)
6 Working Days,
TOTAL: None 7 Hours and 30
Minutes
1289
6. Request of Pull Out of Post- Dated Checks (PDCs) (i.e due to change of bank)
Post-dated checks are provided by housing loan borrowers as a form of payment for their housing loan
amortizations. Upon request of the borrower, the Fund may have their PDCs pulled-out.
This service shall start from submission of request for pull out of PDCs up to availability of PDCs.

Management (HBC)
Office or Division:
Center.

back-to-back) of the borrower/ co-borrower. Any
of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1290
(DSWD)
2. Letter of Request Pull-Out of Post-Dated Checks Borrower/Buyer

(PDCs) (1 original copy)

borrower/ co-borrower. Any of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
1291
(DSWD)
2. Letter of Request Pull-Out of Post-Dated Person being represented

number and wait for
the number to be
called.
2. Submit the required 2. Receives required None 30 Minutes Accounts

Specialist/
2.1 Validates the None 30 Minutes Loans
2.1 Present the original Management-
copy of the request.
Loans
authentication. 2.2 Approve/disapprove None 30 Minutes
Recovery (HBC)/
the request for pull Loans
out. Management
(HBC)
1292
submitted less
than 5 WDs
before check
date, disapprove
the request.

issue Payment
Order Form (POF)
to borrower for
payment of pull-out
fee.

borrower to pay the
pull-out fee at
Branch Support-
Branch and
present original
copy of PFOR to
Loans
Management-
Loans
Management and
Recovery (HBC)/
Loans
Management
(HBC).
3. Present POF and 3. Accept the Pull-out Fee 30 Minutes Cashier

pay pull-out fee at payment based on - PHP 100 Branch Support-
Branch Support- the POF. per check Branch
Branch once your
number is called. 3.1 Generate and issue None 30 Minutes
Pag-IBIG Fund
will be issued upon (PFOR) to
payment. borrower.
1293
copy of PFOR once borrower’s name Management
your number is and amount paid is Specialist**/
called. correct. Senior Accounts
Specialist/
Loans
Management-
Loans
Management and
Recovery (HBC)/
Loans
Management
(HBC)
4.1 Process request for None 30 Minutes Cashier III

pull-out of PDCs. LSSD
Approving
4.2 Endorse request None 6 Working Authority
and documents to Days Branch Support-
AUB representative Branch
for processing. Data Controller III
Branch Support-
4.3 Upon receipt of None 30 Minutes Branch
confirmation of
pulled out PDCs
from AUB, inform
the borrower on the
availability of
certification of
pulled-out PDCs.
NOTE: The certification

may be endorsed to
the borrower thru
email upon request.
4.4 Endorse None 1 Hour

certification to
Loans
Management-Loans
Management and
Recovery (HBC)/
Loans Management
(HBC).
1294
number and wait for
the number to be
called.
6. Return to Loans 6. Issue the None 30 Minutes Accounts

Management-Loans certification to the Management
Management and borrower. Specialist**/
Specialist/
Loans Management
Loans
(HBC) and get the Management-
certification once Loans
your number is Management and
called. Recovery (HBC)/
Loans
Management
(HBC)
PHP 100 7 Working

TOTAL:
per check Days
NOTE: The Pull-out fee of 100.00 per check shall not be required in the following instances:
 Force Majeure
 Availment of Pag -IBIG Housing Loan or Short-Term Loan Moratorium Program
 Borrower’s death
 Closure or merger of Drawee Bank
 Dacion en Pago
 Account closed by bank
 Foreclosure of REM account
 Cancellation of CTS account
 Automatic Repricing of the housing loan account
 Prepayment of pre-termination of loan prior to maturity
1295
7. Request for Reconciliation/ Adjustment of Payment
The request for reconciliation/adjustment of payment allows Pag-IBIG housing loan borrowers to
adjust their monthly amortization payments. Adjustments in housing loan amortizations may be
requested in case of adjustment of a borrower’s loan term, interest rate, etc.
This service shall start from submission of Request for Reconciliation/Adjustment of Payment up to
availability of reconciled/adjusted payment.

Management (HBC)
 Loans Remediation-Loans Management and Recovery (HBC)/Loans
Management (HBC)
Office or Division:  HL Accounting-Loans Management and Recovery (HBC)/HL
Accounting (HBC)
Center.

of the following:
ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
1296
Development (DSWD)
2. Letter of Request for Reconciliation/Adjustment Borrower/Co-Borrower




ID
Clearance
(GSIS) e-Card
1297
(OWWA) ID (OWWA)
Development (DSWD)
2. Letter of Request for Reconciliation/Adjustment Person being represented



the number to be
called.
1298
2. Submit the required 2. Receives required None 1 Hour Accounts
Specialist
Loans
Management-
authentication. 2.2 Check the status None 30 Minutes Recovery (HBC)/
of the account. Loans
Management
2.3 Prepare Memo to None 1 Working Day (HBC)
HL Accounting-
Loans
Management and
Recovery (HBC)/
HL Accounting
(HBC) requesting
for the
reconciliation/
adjustment of
payment.
2.4 Process the None 5 Working Accounts Analyst I

request for Days and Accounts
reconciliation/ Analyst II/
adjustment of Accounts
payment. Management
Specialist**
HL Accounting-
Loans
Management and
Recovery (HBC)/
HL Accounting
(HBC)
None 4 Hours Senior Accounts

2.5 Prepare memo to
Management
Loans Specialist/Accounts
Management- Management
Loans Analyst I/
Management and Accounts
Recovery (HBC)/ Management
Loans Specialist/Member
Management Services Officer
(HBC) on the IV
Loans
1299
reconciled/ Management-
adjusted Loans
payment. Management and
Recovery (HBC)/
2.6 Advise the None 1 Hour Loans
Management
borrower on the
(HBC)
reconciled/
adjusted
payment.
7 Working
TOTAL: None
Days
1300
8. Updating of Borrower’s Record
Pag-IBIG members and housing loan borrowers have the option to update their personal profile at any
time with any of the Fund’s branches. This may include changing their names, birthdate, contact
details, and home addresses.
This service shall start from submission of Member’s Change of Information Form up to availability of
updated borrower’s record.

Management (HBC)
 Information Technology Infrastructure Department (ITID)
Office or Division:
Center.
Basic Requirements

back-to-back) of the borrower/ co-borrower.
ID
Clearance
(GSIS) e-Card
1301
(OWWA) ID (OWWA)
(POEA)
(DSWD)
marriage):
(1 photocopy)

- Birth Certificate with remarks on corrections PSA
(1 photocopy)

“married”:
photocopy)

“single”:

“widowed”:
photocopy)

1302
NOTES:
Basic Requirements

ID
Clearance
(GSIS) e-Card
(OWWA) ID (OWWA)
(POEA)
(DSWD)
1303
3. Letter of Request for Updating of Borrower’s Borrower/Buyer

Record (if request is change of name or
birthdate) (1 original copy)
4. Authoritization Letter Borrower/Buyer
marriage):
(1 photocopy)

- Birth Certificate with remarks on corrections PSA
(1 photocopy)

“married”:
- Marriage Contract with Registry Number PSA
(1 photocopy)

“single”:

“widowed”:
photocopy)

NOTES:
1304
number and wait for
the number to be
called.

1. Specialist/
Loans
Loans
Management
(HBC)
2.2 Process request for None 6 Working If request is

updating of Days change of email
borrower’s records. or home
address:
Senior Accounts
Management
Specialist/
Accounts
Management
Analyst I**/
Accounts
Management
Specialist**
Loans
Management-
Loans
1305
Management and
Recovery (HBC)/
Loans
Management
(HBC)
If request is
change of name
or birthdate:
Information
Technology
Officer II/
Information
Technology
Officer I
ITID
2.3 Inform client on None 1 Hour Senior Accounts

update of his Management
profile. Specialist/
Accounts
Management
Analyst I**/
Accounts
Management
Specialist**/
Loans
Management-
Loans
Management and
Recovery (HBC)/
Loans
Management
(HBC)
6 Working
Hours
1306
▪ Forms
▪ Letters
Directory)
▪ Emails
action.
1307
1346



Feedback Form.

accomplished
following:
opening
• Commendation/s
• Suggestion/s
• Comment/s
• Complaint/s

shall:

HQP-PRF- 008).
NOTES:

1347
1308



shall:

• Area Head
feedback report.

safekeeping.

1348
1309
▪ Forms
▪ Letters
Directory)
▪ Emails
action.

1310
1349
processed

a. Personnel
b. Service Quality
d. Facilities
NOTES:
• Suggestion Box
• 8888

following:
and existence.
contact number.
processes.




1311
1350

(HQM-004).
NOTES:
necessary.
001 ).

PCLS.
2.3 Sign the PCLS.

• PCLS
• Issued CAR

2.6. Sign the PCLS.
Controller:
• PCLS
• Issued CAR
1312
1351




complaints.

concerned heads.
Contact Information
Telephone No.: 8-736-8645; 8-736-8603

SMS No. : 0908-8816565

1313
1352
OFFICES ADDRESS
EAST AREA
Antipolo Branch
PIOG-POEA Branch
Mandaluyong City
Quezon City
NORTH AREA
Quezon City
Cubao Branch
Caloocan City
Marikina Branch
Valenzuela Branch
1314
1353
OFFICES ADDRESS
Quezon City
Quezon City
WEST AREA
Intramuros, Manila
Pasay Branch
Sta. Mesa Branch
(Las Piñas Branch)
Las Piñas City
West Makati City
1315
1354
OFFICES ADDRESS
SOUTH AREA
Makati City
Laguna
Avenue, Makati City
Taguig City
SM Aura Branch
Avenue, Makati City
Ave., Makati City
CAVITE BRANCHES
Dasmariñas Branch
Rosario Branch
1316
1355
OFFICES ADDRESS
La Union HBC
Tuguegarao HBC
City, Cagayan
San Fernando Hub
Calamba Hub
Naga HBC
LUZON BRANCHES
ILOCOS REGION
La Union Branch
Norte
Vigan Branch
Dagupan Branch
Urdaneta Branch
Baguio Branch
Alaminos
1317
1356
OFFICES ADDRESS
Tuguegarao Branch
Cauayan Branch
Aparri
Tuguegarao
San Fernando Branch
Angeles City Branch
Tarlac Branch
Subic Bay Branch
Balanga Branch
1318
1357
OFFICES ADDRESS
Robinsons Starmills
Tarlac City
Malolos Branch
Baliuag Branch
Baliuag Bulacan
Meycauayan Branch
Cabanatuan Branch
Malolos Branch
Baler
Aurora
Bulacan
Nueva Ecija
Lucena Branch
Lipa Branch
Lipa City, Batangas
1319
1358
OFFICES ADDRESS
2nd floor ATDRMAM Building, Kumintang Ibaba,
Batangas Branch
Calamba Branch
San Pablo Branch
San Pablo City
Calapan Branch
Boac
Odiongan
Laguna
Calapan
1320
1359
OFFICES ADDRESS
Legazpi Branch
City
Virac
Catanduanes
Sorsogon
Sorsogon City
Daet
Goa
Bacolod HBC
Cagayan de Oro HBC
Zamboanga HBC
Davao Hub
Dumaguete Branch
Talisay Branch
1321
1360
OFFICES ADDRESS
5th
Floor Gaisano Capital South, Colon St.
Toledo City,Cebu
Carcar
SM Cebu City
Area, Cebu City
Mandaue City, Cebu
Tagbilaran Branch
Mactan Branch
Lapulapu City, Cebu
Danao Branch
Tacloban Branch
Ormoc Branch
Ormoc City
Calbayog Branch
Bogo
Bogo City, Cebu
Sogod
Southern Leyte
SM City Consolacion
Tacloban
1322
1361
OFFICES ADDRESS
Kalibo Branch
Kalibo, Aklan
Molo, Iloilo City
Bacolod Branch
Kabankalan Branch
Occidental
St., Iloilo City
Robinsons Bacolod
(CDO West Branch)
Malaybalay Branch
Butuan Branch
Agusan del Sur
Surigao Branch
Iligan Branch
1323
1362
OFFICES ADDRESS
Gingoog
Misamis Oriental
Cagayan de Oro City
Bukidnon
Tandag
Tubod
Lanao del Norte
Cagayan De Oro City
Marawi
Cagayan De Oro
Butuan City
Zamboanga Del Sur
Dipolog Branch
Dipolg City
Pagadian Branch
1324
1363
OFFICES ADDRESS
Misamis Occindental
KCC Mall
Zamboanga City
Zamboanga
Zamboanga City
Davao Del Sur
Tagum Branch
Davao Del Norte
Mati
Davao Oriental
Davao
Bajada, Davao City
General Santos City
Polomolok Branch
1325
1364
OFFICES ADDRESS
Koronadal Branch
Kidapawan Branch
Kidapawan City
Cotabato Branch
KCC Veranza Mall
General Santos City
General Santos City
Koronadal City
OVERSEAS POST
ASIA
Hong Kong SAR
Lumpur, Malaysia
Singapore
Taiwan
Taipei City, Taiwan
1326
1365
OFFICES ADDRESS
EUROPE
Greece
Milan, Italy
Rome, Italy
MIDDLE EAST
UAE
Bahrain
Jeddah 21412
Kuwait
Qatar
Qatar
NORTH AMERICA
New York, USA
New York 10036 USA
1327
1366
Pag-IBIG Fund
CITIZEN’S CHARTER
2020 (Edition 2.1)

Pag-IBIG Fund
CITIZEN’S CHARTER
2020 (Edition 2.1)
1
I. Mandate
II. Vision
III. Mission
IV. Service Pledge
management system;

2
V. List of Services
Support Services (Internal Services) 5
Facilities and Offices Services Department (FOSD) (Internal Services) 5
• Major Repair/Maintenance of Office Premises 6

• Minor Repair/Maintenance of Office Premises 9
• Provision of Transportation and Communication 12
General Accounting Department (GAD) (Internal Services) 14
• Financial Statements and Reports 15
General Services Department (GSD) (Internal Services) 22
• Issue Common-Use Supplies

23
• Renewal of LTO Registration of Service Pool Motor Vehicles 26
Human Resource Development Department (HRDD) (Internal Services) 29
• Issue Certificate of Employment 30

• Issue Certificate of Performance Rating 31
• Issue Clearance Certificate/Service Record 33
• Issue List of Trainings Attended to Concerned Employee 35
• Issue Travel Authority 37
• Provide External Training to Concerned Employee 39
• Request for Renewal, Replacement, or Reliever of Agency-Hired Contractual 41
• Request for Renewal, Replacement, or Reliver of Job Order 43
Human Resource Management Department (HRMD) (Internal Services) 45
• Process Issuance of Corporate ID 46

• Processing of Application for Leave 48
Integrated Records and Information Management Department (IRIMD) 50

(Internal Services)
51
• Digitization of Documents 53
• Disposal of Records
58
Legal and General Counsel Group (Internal Services)
59
• Review of Contracts, Guidelines, Forms and other Agreements 61
• Review of Enforcement Complaint
3
Member Relations Department (MRD) (Internal Services) 63
• Complaints Management (Resolution of 8888 Complaints) 64

• Complaints Management (Resolution of Member’s Complaints/Concerns 66
endorsed by ARTA, PACC, and CCB)
endorsed by Presidential Complaint Center, HUDCC, OVP, PAO)
endorsed by Wanted Sa Radyo)
• Handling of Escalated Simple and Highly Technical Complaints from the 74
Outsourced Contract Center’s Service Provider
Operations Accounting Department (OAD) (Internal Services) 78
• Issuance of Notice of Budget Allocation 79

• Issuance of Notice of Budget Obligation for Purchase Orders, Contracts, etc. 82
• Process Disbursement Voucher/Disbursement Voucher/Check 86
Treasury Department (Internal Services) 90
• Issuance of Payment Order Form (POF) and Acceptance of Loan Amortization 91

Payment and Other Amounts due to the Fund through Over-the-Counter
(OTC) (Housing)
• Issuance of Payment Order Form (POF) and Acceptance of Remittance 96
For Membership Savings (MS)/payment of Loan Amortization Payment and
Other Amounts due to the Fund through Over-the-Counter (OTC)
(Member Services)
• Issuance of Payment Order Form (POF) and Acceptance of Remittance 101
For Membership Savings (MS)/payment of Loan Amortization Payment and
Other Amounts due to the Fund through Over-the-Counter (OTC)
(Treasury)
• Release of Check to Suppliers 104
• Release of Home Financing Documents to Borrower/Buyer/Authorized 106
Representative/Developer

4
SUPPORT SERVICES
FACILITIES AND OFFICE SERVICES DEPARTMENT
(FOSD)
INTERNAL SERVICES
5
1. Major Repair/Maintenance of Office Premises
This service refers to the major repairs and maintenance of office premises/facilities for the
safe and productive work and servicing environment for the Pag-IBIG Fund employees and
members/member-borrowers/clients that are beyond and not covered by the following scope of
works:
▪ Floor
- Repair of carpets and ceramic/granite/vinyl tiles
- Dismantling of ceramic/granite/vinyl tiles
▪ Wall
- Dismantling of drywall and low partition
▪ Ceiling
- Dismantling of acoustic board and plywood ceiling
▪ Windows
- Repair of windows
- Repair of vertical/horizontal blinds
▪ Door
- Installation of hinges and doorknob
- Repair of hinges and doorknob
▪ Electrical
- Replacement of busted lights
- Repair of switch, convenience outlet, extension cord and lights
▪ Plumbing
- Repair of intercom, faucet, leaks and fixtures
This service shall start from the receipt of the Service Request Form up to the completion of the
repair/maintenance.
6
Office or Division: ▪ Building Administration and Maintenance Division – Facilities and
Office Services Department (BAMD-FOSD)
▪ Cash and Administrative Services Division – Technical and
Administrative Support (CASD-TAS)
Type of Transaction: G2G – Government to Government
Who may avail: Pag-IBIG Fund Employee/Requisitioning Unit
Service Request Form (SRF, HQP-TSF-013) Pag-IBIG Fund Intranet Portal
1. Accomplish and 1. Receive and
submit Service acknowledge receipt
Request Form (SRF) of SRF thru any of Office/Clerical
to Office/Clerical the following: Administrative
Assistant/
Administrative - Email None 20 Minutes
Administrative
Assistant/ASO II. - Logbook Services Officer
- SRF (copy 2) (ASO) II
BAMD-
1.1 Evaluate request. FOSD/CASD-
TAS
2. Acknowledge receipt 2. Review and approve/ None 30 Minutes Concerned

of disapproved SRF disapprove SRF. Division Chief III/
from Office/Clerical (If included in the Concerned Head/
Administrative approved budget and ASO IV
BAMD-
Assistant/ASO II. standards)
FOSD/CASD-
TAS
2.1 For disapproved None 10 Minutes Office/Clerical
request, inform the Administrative
Requisitioning Unit Assistant/ASO II
thru email or BAMD-
telephone call and FOSD/CASD-
return SRF, as TAS
applicable.
2.2 For approved None Request within Assigned

request, conduct the area: 2 Skilled/Technical/
assessment/site Hours Administrative
inspection and Personnel
prepare Bill of Request from BAMD-
Materials, as Distant FOSD/CASD-
applicable. Office/Branch: TAS
1 Working Day
7
2.3 Check availability of None 30 Minutes
materials with
Property Supply
Management
Division-General
Services Department
(PSMD-
GSD)/CASD-TAS.
2.4 If available, access None 30 Minutes

the system and
prepare Requisition
and Issue Slip (RIS).
Note: The
Department
Manager III/
Concerned Assigned
Head shall Skilled/
approve the Technical/
RIS thru Administrative
system Personnel
BAMD-
3. Receive copy of Bill 3. If unavailable, None 15 Minutes FOSD/CASD-
TAS
of Materials from provide copy of Bill of
Office/Clerical Materials thru email
Administrative or hardcopy to
Assistant/ASO II. Requisitioning Unit
for preparation of
Purchase Request
(PR).
4. Notify FOSD on the 4. Receive requested None 10 Minutes

availability of materials from
materials. PMSD-GSD/CASD-
TAS.
5. Upon completion of 5. Perform actual None 19 days, Assigned

work/repair, sign and repair/ maintenance 3 hours and Skilled/
forward SRF to of office 35 minutes Technical/
BAMD-GSD/CASD- premises/facilities. Administrative
Personnel
TAS.
BAMD-
FOSD/CASD-
TAS
20 Working
TOTAL: None
Days
8
2. Minor Repair/Maintenance of Office Premises
This service refers to the minor repairs and maintenance of office premises/facilities for the safe
and productive work and servicing environment for the Pag-IBIG Fund employees and
members/member-borrowers/clients. The following are the scope of works:
▪ Floor
- Repair of carpets and ceramic/granite/vinyl tiles
- Dismantling of ceramic/granite/vinyl tiles
▪ Wall
- Dismantling of drywall and low partition
▪ Ceiling
- Dismantling of acoustic board and plywood ceiling
▪ Windows
- Repair of windows
- Repair of vertical/horizontal blinds
▪ Door
- Installation of hinges and doorknob
- Repair of hinges and doorknob
▪ Electrical
- Replacement of busted lights
- Repair of switch, convenience outlet, extension cord and lights
▪ Plumbing
- Repair of intercom, faucet, leaks and fixtures
This service shall start from the receipt of the Service Request Form up to the completion
of the repair/maintenance.
9
Office or Division: ▪ Building Administration and Maintenance Division – Facilities and Office
Services Department (BAMD-FOSD)
▪ Cash and Administrative Services Division – Technical and
Service Request Form (SRF, HQP-TSF-013) Pag-IBIG Fund Intranet Portal
submPagit Service acknowledge receipt Office/Clerical
Request Form (SRF) of SRF thru any of Administrative
to Office/Clerical the following: Assistant/
Administrative
Administrative - Email None 20 Minutes
Services
Assistant/ASO II. - Logbook Officer (ASO) II
- SRF (copy 2) BAMD-FOSD/
CASD-TAS
1.1 Evaluate request.
2. Acknowledge receipt 2. Review and approve/ None 30 Minutes Concerned

of disapproved SRF disapprove SRF. Division Chief III/
from Office/Clerical (If included in the Concerned Head/
Administrative approved budget and ASO IV
BAMD-FOSD/
Assistant/ASO II. standards)
CASD-TAS
2.1 For disapproved None 10 Minutes Office/Clerical
request, inform the Administrative
Requisitioning Unit Assistant/ASO II
thru email or BAMD-FOSD/
telephone call and CASD-TAS
return SRF, as
applicable.
2.2 For approved None Request within Assigned

request, conduct the area: 2 Skilled/Technical/
assessment/site Hours Administrative
inspection and Personnel
prepare Bill of Request from BAMD-FOSD/
Materials, as Distant CASD-TAS
applicable. Office/Branch:
1 Working Day
10
2.3 Check availability of None 30 Minutes
materials with
Property Supply
Management
Division-General
Services
Department (PSMD-
GSD)/CASD-TAS.
2.4 If available, access None 30 Minutes

the system and
prepare Requisition
and Issue Slip (RIS).
Note: The
Department
Manager III/
Concerned
Head shall
approve the Assigned
RIS thru Skilled/
system Technical/
Administrative
3. Receive copy of Bill 3. If unavailable, provide None 15 Minutes Personnel
of Materials from copy of Bill of BAMD-FOSD/
Office/Clerical Materials thru email CASD-TAS
Administrative or hard copy to
Assistant/ASO II. Requisitioning Unit
for preparation of
Purchase Request
(PR).
4. Notify FOSD on the 4. Receive requested None 10 Minutes

availability of materials from
materials. PMSD-GSD/CASD-
TAS.
5. Upon completion of 5. Perform actual repair/ None 2 Working

work/repair, sign and maintenance of office Days,
forward SRF to premises/facilities. 3 Hours, and
BAMD-GSD/CASD- 35 Minutes
TAS.
3 Working
TOTAL: None
Days
11
3. Provision of Transportation and Communication
It refers to the provisioning of transportation and communication facilities in support to the day-
to-day operations of Pag-IBIG Fund.
This service shall start from the receipt of Request for Vehicle form up to assignment of vehicle
to the concerned unit.
Office or Division: ▪ Transportation and Communication Division – Facilities and Office

Services Department (TCD-FOSD)
▪ Cash and Administrative Services Division-Technical and
Request for Vehicle (HQP-TSF-015) Pag-IBIG Fund Intranet Portal
submit Request for acknowledge receipt
Vehicle to of Request for
Dispatcher/ Vehicle thru any of
Administrative the following:
Services Officer - Email
(ASO) II. - Logbook
- Request for Vehicle
(copy 2) Dispatcher/
None 1 Hour ASO II
1.1 Evaluate request. TCD-FOSD/
(If official and signed CASD-TAS
by Concerned
Division Chief III/
Concerned Head)
1.2 Check availability of

service vehicle.
12
1.3 If with available 1 Hour Dispatcher/
vehicle, inform the ASO II/
Requisitioning Unit Concerned
thru email/telephone Division Chief III/
Concerned Head
call and prepare the
TCD-FOSD/
following documents: CASD-TAS
▪ Daily Dispatch of
Motor Service
Pool Vehicles
▪ Driver’s Trip
Ticket
▪ Itinerary of Travel
▪ Travel Order, as
applicable
1.4 If no available 10 Minutes

vehicle, inform the (paused-clock)
Requisitioning Unit None
thru email/telephone
call that his/her
request shall be
waitlisted.
2. Acknowledge receipt 2. If there is still no Dispatcher/

of returned request available vehicle after ASO II
stamped with “No being waitlisted, TCD-FOSD/
Available Vehicle” inform Requisitioning CASD-TAS
from Dispatcher/ASO Unit thru email/
II. telephone call. 15 Minutes
2.1 Stamp the request

with “No Available
Vehicle” and return
to Requisitioning
Unit.
2 Hours and
TOTAL: None
25 Minutes
13
SUPPORT SERVICES
GENERAL ACCOUNTING DEPARTMENT
(GAD)
INTERNAL SERVICES
14
1. Financial Statements and Reports
Financial data of various NCR Provident branches and NCR Housing comes from the
transactions in the various services and programs that Pag-IBIG Fund members have availed
of daily. These data are gathered and consolidated to form part of the financial statements and
reports. Financial statements and reports are useful in the analysis of transactions used by the
internal management in the assessment of financial performance and to further strengthen the
various services and programs applicable to the Pag-IBIG Fund members and stakeholders.
This service shall start from validation and analysis of financial reports and schedules
submitted by various Technical and Administrative Support (TAS) up to submission to the
General Accounting Department (GAD) for inclusion to the Corporate Head Quarter (CHQ)
nationwide consolidated financial reports and schedules.
Office or Division: Financial Monitoring and Evaluation Division – General Accounting Department
(FMED-GAD)
Who may avail: ▪ Pag-IBIG Fund Branch Accountants
▪ TAS Head/Department Managers
▪ Senior Management of the Pag-IBIG Fund
▪ Commission on Audit (COA)
▪ Summary of Due To/From Head Office (SDHO)
▪ Ticket Exchange Statement (TES)
▪ Trial Balance (TB)
▪ Bank Reconciliation Statement
▪ Statement of Changes in members
Contributions
▪ Statement of Cash Flow
▪ Aging Report of Undistributed
Collections/Posting Clearing Account
▪ Schedule of Cash Advances Pag-IBIG Fund Technical and Administrative
▪ Schedule of Current and Non-Current Services (TAS) and NCR Housing
Receivables
▪ Aging of Accounts Receivables
▪ Aging of Accounts Payables
▪ Schedule of Accrued Expenses – Prior Period
and Current
▪ Schedule of Property, Plant and Equipment
▪ Schedule of Supplies and Inventory
15
1. Submit the SDHO 1. Receive and upload 15 Minutes
thru email to the SDHO in Ingres Accounting
General Accounting Ticketing System. Support Assistant
Department (GAD). [Agency Hired
Contractual
1.1 Print and verify the 15 Minutes
(AHC)]
correctness of Accounting/Loans
accounts used in the Assistant -
SDHO transaction [Job Order (JO)
details. Financial
Analyst II
FMED-GAD
1.2 Check the printed 15 Minutes Financial
SDHO. Specialist/
Senior Financial
Specialist/
Supervising
Financial
Specialist
FMED-GAD
1.3 Submit SDHO to the None 15 Minutes Accounting
General Ledger Support
Division. Assistant-AHC
Accounting/Loans
Assistant-JO/
Financial
Analyst II
FMED-GAD
2. Submit the TES of 2. Validate the balances 30 Minutes
Due To/From of the submitted TES
accounts thru email. if tally with the ending
balances reflected in
the Master Proof
Accounting
Sheet (MPS). Support
Assistant-AHC
2.1 Generate the TES 15 Minutes Accounting/Loans
of the Due To/From Assistant-JO/
Head Office Financial
(HO)/TAS Analyst II
accounts. FMED-GAD
16
2.2 Match the submitted 30 Minutes
TES from TAS to
reconcile with the
generated TES of
HO in the TES
Matching System.
2.3 Check and validate 30 Minutes

the unreconciled
transactions and
prepare the final Due
To/From HO/TAS
Reconcilement
Report.
2.4 Submit the Due 4 Hours

To/From HO/TAS
Reconcilement
Report for checking Accounting
by the Division Chief Support
III, recommendation Assistant-AHC
for approval by the Accounting/Loans
Assistant None Assistant-JO/
Department Financial
Manager I and Analyst II
approval by the FMED-GAD
Department
Manager III.
2.5 Submit the approved 15 Minutes

Due To/From
HO/TAS
Reconcilement
Report to TAS
3. Submit the 3. Generate the 15 Minutes

Unadjusted TB thru submitted encoded
email to GAD. file of Unadjusted TB
from TAS in the
Ingres System
3.1 Check the balances 30 Minutes

of the generated
Unadjusted TB.
17
3.2 Input the balances of 30 Minutes Accounting
unreconciled Support
transactions from the Assistant-AHC
Due To/From Accounting/Loans
Assistant-JO/
HO/TAS
Financial
Reconcilement Analyst II
Report to the FMED-GAD
balance of affected
accounts in the
Unadjusted TB to
come up with the
Adjusted TB.
3.3 Forward the 4 Hours Financial

Adjusted TB to Specialist/
the COD III for Senior Financial
review, validation Specialist/
Supervising
and consolidation
Financial
per group of Specialist
National Capital FMED-GAD
None
Region (NCR),
Luzon, and
Visayas and
Mindanao
(Vismin).
3.4 Submit the 4 Hours Division Chief III

group’s FMED-GAD
consolidated
Adjusted TB to Assistant
Department
the GLD and to
Manager I
the ADM-I for GAD
consolidation of
TAS Adjusted TB
to be used as
basis for
validation of all
other
consolidated
financial reports
and schedules.
18
4. Submit various 4. Review, analyze, and None 4 Hours Accounting
Schedules and evaluate the periodic Support
Aging Reports to financial schedules to Assistant-AHC/
GAD. provide accurate Accounting/Loans
Assistant-JO/
financial information
Financial
to users. Analyst II/
Financial
4.1 Prepare the None 2 Hours Specialist/Senior
consolidated files of Financial
submitted financial Specialist/
schedules and Supervising
reports. Financial
Specialist
FMED-GAD
4.2 Check and validate None 4 Hours Division Chief III

the consolidated FMED-GAD
financial schedules
and reports from Assistant
Department
TAS and submit to
Manager I
GLD for inclusion to GAD
the CHQ’s
consolidated file to
be submitted to the
Management and
external users within
the Fund and
external government
agencies such as
COA, GCG, BSP,
etc.
4.3 Provide the None 1 Hour Accounting
Operating Unit (TAS Support
and NCR Housing) Assistant-AHC/
with feedbacks on Accounting/Loans
Assistant-JO/
findings of analyses
Financial
and interpretations Analyst II/
of financial Financial
conditions and Specialist/Senior
operating results Financial
thru issuance of Specialist/
observations and Supervising
recommendations. Financial
Specialist
FMED_GAD
19
4.4 Check, validate, and None 4 Hours Division Chief III
submit the FMED-GAD
accomplished
observations and Assistant
recommendations Department
Manager I
for the TAS. GAD
4.5 Submit the approved None 1 Hour Accounting
observations and Support Assistant
recommendations to - AHC
the TAS. Accounting/Loans
Assistant – JO/
Financial
Analyst II
FMED-GAD
5. Acknowledge 5. Review and validate None 4 Hours Accounting
receipt of the submitted Support
observations and comments and Assistant-AHC/
recommendation on actions to be taken by Accounting/Loans
Assistant-JO/
findings and provide TAS as basis for
Financial
comments and analysis in the Analyst II/
actions to be taken present and Financial
thru memo to GAD. succeeding financial Specialist/Senior
schedules and Financial
reports. Specialist/
Supervising
Financial
Specialist
FMED-GAD
20
5.1 Assist TAS in the None 3 Working Accounting
coordination with Days Support
other concerned Assistant-AHC/
departments as to Accounting/Loans
the resolution of Assistant-JO/
Financial
long outstanding Analyst II/
balances in the Financial
schedules such as Specialist/Senior
accounts Financial
receivables and Specialist/
payables, Supervising
reconciling items in Financial
the Bank Specialist
Reconciliation FMED-GAD
Statements,
floating items in the
Due To/From
HO/TAS
Reconcilement
Reports and other
similar
unaccounted data
on the submitted
financial reports
and schedules by
TAS.
7 Working
Days, 4 Hours,
TOTAL: None
and 15
Minutes
21
SUPPORT SERVICES
GENERAL SERVICES DEPARTMENT
(GSD)
INTERNAL SERVICES
22
1. Issue Common-Use Supplies
This service refers to the issuance of common-use supplies to all concerned Requisitioning Units.
Common-use supplies are office stationery & supplies and computer supplies which are regularly
withdrawn by Operating Units for their day-to-day operation.
This service shall start from the receipt of approved Requisition and Issue Slip (RIS) or approved
request thru the Supply Inventory Management System (SIMS) up to issuance of items to the
concerned Requisitioning Unit/End-User.
Office or Division: Property and Supply Management Division-General Services Department

(PSMD-GSD)/Cash and Administrative Services Division-Technical and
Who may avail: All Requisitioning Units of Pag-IBIG Fund/End-User of Pag-IBIG Fund
Pag-IBIG Fund Intranet Portal or Supply
Requisition and Issue Slip (RIS, original)
Inventory Management System (SIMS)
1. Submit approved 1. Receive request and
RIS (hardcopy) or acknowledge receipt
approved request of request thru any of
thru SIMS. the following:
- Email
1.1 Acknowledge - Logbook
receipt of returned
RIS (hardcopy). For RIS (hardcopy)
1.1 Review the form Storekeeper
used and None 1 Hour PSMD-GSD/
signatories. CASD-TAS
1.2 If not acceptable,

return the RIS to
Requisitioning
Unit/End-User.
For request thru SIMS

1.3 Access system and
review request.
23
2. Acknowledge 2. Validate requested 2 Hours
receipt of returned items if included in the
RIS (hardcopy) or approved PPMP of
system-generated the Requisitioning
email regarding Unit.
disapproval of the
request. 2.1 If not included in
the approved
PPMP, return the
RIS (hardcopy) or
decline the request
in the system.
2.2 Indicate quantity for 2 Hours Storekeeper

issuance per line PSMD-GSD/
CASD-TAS
item and status on
the remarks portion
of the RIS
(hardcopy) or
request in the
system. None
2.3 Endorse RIS 30 Minutes

(hardcopy)/request
(thru system) to the
Division Chief III for
approval.
2.4 Approve RIS 1 Hour Division Chief III

(hardcopy)/request PSMD-GSD/
(thru system) and CASD-TAS
endorsed back to
Storekeeper.
3 Hours Storekeeper
2.5 Prepare item/s to PSMD-GSD/
be CASD-TAS
issued/withdrawn
and endorse to
Supply Officer II for
issuance
24
2.6 Validate actual 2 Hours
item/s for issuance
to ensure
correctness as to
quantity and
specifications.
2.7 Notify 30 Minutes

Requisitioning
Units/End-User that
supplies are ready
for issuance.
Note: For request thru Supply Officer II

system, a system- None PSMD-GSD/
CASD-TAS
generated
notification shall be
sent to the
Requisitioning
Unit/End-User.
3. Acknowledge 3. Issue item/s to the 2 Hours

receipt of requested Authorized
supplies on the RIS Representative of the
(hardcopy) or thru Requisitioning Unit/
the system. End-User and sign
the Issued by portion
of the request.
1 Working
TOTAL: None
Day, 6 Hours
25
2. Renewal of LTO Registration of Service Pool Motor Vehicles
This service refers to the renewal of registration of service pool motor vehicles with the Land
Transportation Office (LTO).
This service shall start from the receipt of Emission Test Certificate with passed result from
authorized LTO Emission Testing Center up to issuance of LTO Official Receipt to Concerned Office
for the renewal of registration.
Office or Division: ▪ Property and Supply Management Division-General Services

Department (PSMD-GSD)
▪ Cash and Administrative Services Division-Technical and
Who may avail: ▪ Facilities and Office Services Department (FOSD)
▪ Transportation Section of CASD-TAS
▪ Branches/Housing Hubs with service vehicles
▪ Emission Test Certificate (original) ▪ Authorized Land Transportation Office
(LTO) Emission Testing Center
▪ LTO Registration Form (original) ▪ LTO
▪ Certificate of Cover (original) ▪ Government Service Insurance System
(GSIS)
▪ Previous year LTO Official Receipt (original) ▪ PSMD-GSD/CASD-TAS
1. Submit Emission 1. Receive and check 30 Minutes
Test Certificate with submitted Emission
passed result from Test Certificate.
Authorized LTO
Emission Testing
Property
Center. Officer III
1.1 Retrieve the 1 Hour PSMD-GSD
following support
documents: None Administrative
▪ Previous year Services Officer
LTO Official (ASO)
Receipt CASD-TAS
▪ Certificate of
Cover issued by
the GSIS
26
1.2 Accomplish LTO 2 Hours Property
Registration Form Officer III
and attach PSMD-GSD
supporting
Administrative
documents.
Services Officer
(ASO)
1.3 Prepare Request for 1 Hour CASD-TAS
Cash Advance/
Revolving Fund.
1.4 Review and approve 1 Working Day Division Chief III

Request for Cash PSMD-GSD/
Advance/Revolving CASD-TAS
Fund.
Department
None Manager III/TAS
Head
GSD/TAS
1.5 Endorse approved 4 Hours
Request for Cash
Advance/Revolving
Fund to Treasury
Department/Cash
Section and get the
cash.
1.6 Present with the 2 Hours

LTO the service
vehicle for stencil
taking and Property
inspection. Officer III
PSMD-GSD
1.7 Secure LTO Official LTO 2 Hours
Registration Administrative
Receipt. Services Officer
Fee
(ASO)
a. File CASD-TAS
accomplished
LTO Form and
support
documents with
the LTO.
b. Pay the
registration fee.
27
2 Acknowledge 3. Issue photocopy of None 30 Minutes Property
receipt of LTO LTO Official Receipt Officer III
Official Receipt. to Concerned Office. PSMD-GSD
Administrative
Services Officer
(ASO)
CASD-TAS
2 Working
TOTAL: None
Days, 5 Hours
28
SUPPORT SERVICES
HUMAN RESOURCE DEVELOPMENT DEPARTMENT
(HRDD)
INTERNAL SERVICES
29
1. Issue Certificate of Employment
This service pertains to the generation of Certificate of Employment to be used for whatever
legal purpose it may serve.
This service shall start from the receipt of the Request Slip from concerned employee up to
issuance of the Certificate of Employment (COE).
Office or Division: Personnel Search, Recruitment and Appointment Division -

Human Resource Development Department (PSRAD-HRDD)
Who may avail: Regular employees of Pag-IBIG Fund
Request Slip (HQP-HRF-076) (hardcopy/softcopy) Pag-IBIG Fund Intranet Portal
1. Submit the request 1. Receive and check 30 Minutes
slip of the completeness of
concerned details of the Request
employee to the Slip.
PSRAD.
1.1 Generate 30 Minutes
Certificate of
Employment.
1.2 Forward the

service record to
the concerned None 1 Working Records Officer
signatories: Day IV
a. Division Chief III, PSRAD-HRDD
PSRAD
b. Dept. Manager
III, HRDD
10 Minutes
1.3 Forward the
clearance
certificate to the
concerned
employees.
2 Working
TOTAL: None Day, 1 Hour,
10 Minutes
30
2. Issue Certificate of Performance Rating
Certificate of Performance Rating is issued upon the request of regular employee as
documentary requirement for the following but not limited to: 1.) Renewal of temporary
appointments; 2.) Application to vacant position for those who opt to apply to other government
agencies; and 3.) Application to any government awards/citations.
This service shall start from the receipt of the request from concerned employee up to
issuance of Certificate of Performance Rating to concerned employee.
Office or Division: Performance Management and Organizational Development Division -

Human Resource Development Department (PMODD-HRDD)
Memo request for Certification of Performance Employee
Rating (hardcopy/softcopy)
1. Prepare 1. Receive email/memo 5 Minutes
email/memo request and check
requesting for completeness of
Certificate of document.
Performance Rating
with the following 1.1 Access the
information: performance rating
▪ Name of file.
Employee Human
▪ Position Title 1.2 Prepare Certificate Resource
▪ Salary Grade of Performance Management
▪ Division/ Rating in duplicate None Officer
Department copies. (HRMO) IV
▪ Rating Period/s 4 Hours PMODD-HRDD
1.3 Forward Certificate
1.1 Submit/send of Performance
email/memo Rating to the
requesting for following for
certificate of signature:
performance a. Division Chief III
rating to b. Department
PMODD. Manager III
31
1.4 Review and approve 2 Working Division Chief III
Certificate of Days PMODD-HRDD
Performance Rating.
Department
Manager III
HRDD
1.5 Receive signed
Certificate of
Performance Rating
and forward to None
individual
concerned.
30 Minutes HRMO IV
1.6 Forward the signed PMODD-HRDD
Certificate of
Performance Rating
to the concerned
individual.
2 Working
TOTAL: None Days, 4 Hours,
35 Minutes
32
3. Issue Clearance Certificate/Service Record
The generation of clearance certificate is a proof that the concerned employee is cleared of any
property and money accountabilities in the Fund while the generation of service record of
employees provides the documentary history of an employee’s activities and accomplishment
while serving as a member in the Fund.
This service shall start from the generation of Clearance Certificate/Request Slip up to issuance of
the approved Clearance Certificate/Service Record to concerned employee.
Office or Division: Personnel Search, Recruitment and Appointment Division – Human

Resource Development Department (PSRAD-HRDD)
▪ Approved Employee Accountability Form (HQP-

HRF-055) (hardcopy)
▪ Approved leave application (for leave
exceeding 30 calendar days (e.g. Maternity
leave) (HQP-HRF-056) (hardcopy)
▪ Copy of Voucher (if with terminal pay claim)
(hardcopy) Pag-IBIG Fund Intranet Portal
▪ Copy of Acceptance Letter of resignation/
retirement (for separated employees)
(hardcopy)
▪ Request Slip (HQP-HRF-076)
(hardcopy/softcopy)

1. Submit the following 1. Generate Clearance None 30 Minutes Human Resource
requirements to Certificate upon Management
PSRAD: approval and Officer (HRMO)/
▪ Approved submission of the Records Officer
IV
Employee following:
PSRAD-HRDD
Accountability ▪ Approved
Form Employee
▪ Approved Leave Accountability Form
Application (for ▪ Approved leave
leave exceeding application (for
30 CDs) leave exceeding 30
CDs (e.g., Maternity
leave)
33
▪ Copy of Voucher ▪ Copy of Voucher (if
(if with terminal with Terminal Pay
pay claim) claim)
▪ Copy of ▪ Copy of
Acceptance Letter Acceptance letter of
of Resignation/ Resignation/Retire
retirement (for ment (for separated
separated employees)
employees) ▪ Request Slip
▪ Request Slip (for
request of Service 1.1 Endorse the
Record) Clearance Certificate 1 Working Day Human
to the concerned Resource
signatories for Management
approval: None Officer
(HRMO)/
a. Division Chief III,
Records Officer
PSRAD IV
b. Concerned PSRAD-HRDD
signatories per
signing
authorities)
1.2 Once approved,

issue signed 30 Minutes
Clearance Certificate
to concerned
employee.
1 Working
TOTAL: None
Day, 1 Hour
34
4. Issue List of Trainings Attended to Concerned Employee
This service provides the concerned employee with the list of trainings attended.
This service shall start from the receipt of the Request Slip Form from concerned officer/employee
up to issuance of approved List of Trainings Attended to concerned officer/employee.
Office or Division: Employee Career Management and Training Division -

Human Resource Development Department (ECMTD-HRDD)
Who may avail: Officers and Employees of Pag-IBIG Fund
Request Slip (HQP-HRF-076) (hardcopy/soft copy) Pag-IBIG Fund Intranet Portal
1. Download the 1. Upon receipt of 1 Working Day
Request Slip from request, check and
the Pag-IBIG portal validate the trainings
site and print the attended by the
said form. requestor.
Human
Resource
1.1 Fill out form and 1.1 Prepare and print Management
submit to the List of Trainings. Officer
ECMTD or email (HRMO) II
at 1.2 Forward the Request 40 Minutes ECMTD-HRDD
hrdd_td@pagibi Slip to the
gfund.gov.ph. concerned officers
for signature/
approval. None
1.3 Review and sign 6 Hours Division Chief III

Request Slip. ECMTD-HRDD
Department
1.4 Return approved 20 Minutes Manager III
Request Slip to HRDD
ECMTD-HRDD.
Approving
Authority
35
1.5 Issue/send/ transmit None 20 Minutes HRMO II
the approved List of ECMTD-HRDD
Training to the
concerned
employee.
1 Working
TOTAL: None Day, 7 Hours,
20 Minutes
36
5. Issue Travel Authority
The generation of travel authority is a requirement for personal foreign travels.
This service shall start from the receipt of Request Slip and supporting documents from the
concerned employee up to issuance of Travel Authority to concerned employee.
Office or Division: Personnel Search, Recruitment and Appointment Division -

Human Resource Development Department (PSRAD-HRDD)
▪ Request Slip (HQP-HRF-076)
(hardcopy/softcopy) Pag-IBIG Fund Intranet Portal
▪ Approved Leave Application/CTO Availment
Form (hardcopy) ▪ Approving Authority of the Requestor
▪ Approved Certificate on Foreign Travel ▪ Employee
(hardcopy)
▪ Letter to the CEO (for leave exceeding 10
WDs) (hardcopy)
1. Submit the Request 1. Receive and check 1 Hour
Slip to PSRAD the completeness of
together with the the documents.
following
attachments: 1.1 Generate Travel 15 Minutes
▪ Approved Leave Authority.
Application
▪ Approved 1.2 Endorse the Travel
Certification on Authority to the
Foreign Travel concerned None Records
▪ Letter to the CEO signatories: 6 Working Officer IV
(if leave exceeds a. Division Chief III, Days PSRAD-
10 WDs) PSRAD HRDD
b. Department
Manager III,
HRDD
c. Senior Vice
President, ASS
d. Concerned DCEO
e. CEO
1.3 Forward the 15 Minutes Records Officer

approved Travel IV
37
Authority through PSRAD-HRDD
pouch or email to
the concerned
employee.
6 Working
TOTAL: None Days, 1 Hour,
30 Minutes
38
6. Provide External Training to Concerned Employee
This service provides the concerned employee with the external training which are not offered by
the Fund but can be availed thru the accredited agency of the Civil Service Commission.
This service shall start from the accomplishment of External Training Nomination Form up to
preparation of RFP to process training fee.
Office or Division: Employee Career Management and Training Division -

Human Resource Development Department (ECMTD-HRDD)
External Training Nomination Form (HQP-HRF- Pag-IBIG Fund Intranet Portal
008) (hardcopy/photocopy)
1. Accomplish, print, 1. Acknowledge receipt
and email the of the External
External Training Training Form.
Nomination Form to
ECMTD-HRDD. 1.1 Check if all items in
the form are filled
out.
Human
1.2 Advise the
Resource
concerned employee None 30 Minutes Management
on the needed Officer
supplemental (HRMO) II
information including ECMTD-HRDD
the topics relevant to
the functions to
facilitate the
evaluation of the
report.
39
2. Submit via email the 2. Evaluate the
supplemental supplemental
information to information and check
ECMTD-HRDD. the correlation of the
requested training to
the functions.
1 Working
2.1 Conduct a research Day
for similar training
with lower cost HRMO IV
which can be offered ECMTD-HRDD
to him/her.
2.2 Prepare the 3 Hours
recommendation.
2.3 Transmit the 10 Minutes
External Training
Nomination Form
(ETNF) for approval
of budget.
2.4 Route for signature/ None 1 Working Day
approval of the
authorize signing
authority.
2.5 Once approved,
advise the 15 Minutes
concerned employee
thru email to register
to the training being
applied for.
2.6 Prepare RFP to 30 Minutes HRMO II
process training ECMTD-HRDD
fee and submit to
Operations
Accounting
Department
(OAD) for
generation of
Disbursement
Voucher
2 Working
25 Minutes
40
7. Request for Renewal, Replacement, or Reliever of Agency-Hired Contractual
This refers to the processing of request for renewal, replacement, or reliever of Agency-Hired
Contractual (AHC).
This service shall start from the receipt of the Request for Replacement Form (RRF) and
supporting documents up to transmittal/issuance of the approved RRF thru email to the
Requisitioning Unit.

Who may avail: Requisitioning Units of Pag-IBIG Fund
▪ Request for Replacement Form (RRF, HQP- ▪ Pag-IBIG Fund Intranet Portal
HRF-038) (hardcopy)
▪ Resignation Letter (hardcopy) ▪ Requisitioning Unit/CASD-TAS/HRMD
▪ List of Duties and Responsibilities ▪ Requisitioning Unit
(hardcopy/softcopy) ▪ Requisitioning Unit
▪ Memo Justification (if Project Based) ▪ Requisitioning Unit/CASD-TAS/HRMD
(hardcopy)
▪ Maternity Leave and/or Medical Certificate
(hardcopy,original)
1. Accomplish the RRF 1. Check completeness 5 Minutes
and prepares the of RRF and submitted
following attachments.
attachments:
▪ Resignation 1.1 If complete, process
Human
Letter request. Resource
▪ List of Duties and Management
Responsibilities 1.2 If incomplete, require Officer
▪ Memo the concerned TAS/ 4 Hours (HRMO) II
Justification (if Department to None PMODD-HRDD
project based) submit the complete
▪ Maternity Leave documents thru
and/or Medical email to process the
Certificate request.
1.1 Submit RRF and
1.3 Evaluate and 2 Working HRMO IV
required PMODD-HRDD
conduct initial Days
attachments to
PMODD. approval of RRF.
41
1.4 If disapproved,
inform the
Requisitioning Unit
thru email and file
the documents.
1.5 If approved, scan None 10 Minutes HRMO II

and email the PMODD-HRDD
approved RRF to
Requisitioning Unit,
PSRAD-HRDD,
and/or other
concerned unit.
2 Working
15 Minutes
42
8. Request for Renewal, Replacement, or Reliever of Job Order
The processing of the Job Order Request Form (JORF) is used for requesting the renewal,
replacement, or reliever of Job Order worker/s. Information found in the JORF are the name of
the department, division, educational attainment, trainings, skills, work experience, license,
scope of work, position title, and daily rate of the JO/s.
This service shall start from the receipt of JORF from Requisitioning Unit up to
transmittal/issuance of the approved JORF to Requisitioning Unit.

▪ Job Order Request Form (JORF, HQP-HRF-
093) (hardcopy) Pag-IBIG Fund Intranet Portal
▪ Information Sheet (hardcopy)
▪ Memo Justification (if Project Based) Requisitioning Unit
(hardcopy)
▪ Resignation Letter (hardcopy) Requisitioning Unit/HRMD/CASD-TAS
▪ Maternity Leave and/or Medical Certificate
(hardcopy, original)
1. Accomplish JORF 1. Monitor the incoming 5 Minutes
and prepare the JORF and check
following required completeness of
attachments: documents submitted.
▪ Information Sheet
▪ Memo 1.1 If complete, process
Justification (if and endorse request
project based) to HRMO IV for Human
▪ Resignation evaluation. Resource
Letter None Management
▪ Maternity Leave 1.2 If incomplete, require Officer
and/or Medical the concerned 4 Hours (HRMO) II
Certificate TAS/Department to PMODD-HRDD
1.1 Forward JORF submit the complete
and other documents thru
required email to process the
attachments to request.
PMODD.
43
1.3 Evaluate JORF. 1 Working Day HRMO IV
PMODD-HRDD
1.4 Review and 5 Working Division Chief III

sign/approve the Days PMODD-HRDD
JORF.
Department
Manager III
HRDD
None Approving
Authority
HRG/OAD
1.5 Scan and email the 10 Minutes HRMO II

approved JORF to PMODD-HRDD
Requisitioning Unit,
PSRAD-HRDD,
and/or other
concerned unit.
6 Working
15 Minutes
44
SUPPORT SERVICES
HUMAN RESOURCE MANAGEMENT DEPARTMENT
(HRMD)
INTERNAL SERVICES
45
1. Process Issuance of Corporate ID
Corporate ID is issued to newly hired permanent employees and Job Order Workers for security
and identification purposes.
This service shall start from the receipt of the supporting documents from concerned employee
up to notifying the concerned employee on the availability of the corporate ID.
Office or Division: Employee Relations and Wellness Services Division (ERWSD)-Human

Resource Management Department (HRMD)
Who may avail: Permanent employees and Job Order Workers
For permanent employees:
▪ Request for Issuance of Corporate ID (for
Permanent Employee) (HQP-HRF-108 V01) ▪ Downloadable Form (Portal)
▪ Passport size ID picture with white background
(soft copy) ▪ Concerned Employee
For Job Order Workers:

▪ Request for Issuance of Corporate ID (Job
▪ Downloadable Form (Portal)
Order) (HQP-HRF-109 V01)
▪ 1 x 1 ID picture with white background
▪ Concerned Employee
▪ Certificate of Assumption
For replacement due to damage:
Permanent employee
▪ Request for Issuance of Corporate ID (for ▪ Downloadable Form (Portal)
Permanent Employee) (HQP-HRF-108 V01)
Job Order Worker

▪ Request for Issuance of Corporate ID (Job ▪ Downloadable Form (Portal)
▪ 1 x 1 ID picture with white background ▪ Concerned Employee
46
For replacement due to change of information:
Regular employee:
▪ Request for Issuance of Corporate ID (for ▪ Downloadable Form (Portal)
Permanent Employee) (HQP-HRF-108 V01) ▪ Concerned Employee
▪ Old ID card
Job Order Worker
▪ Request for Issuance of Corporate ID (Job ▪ Downloadable Form (Portal)
▪ 1 x 1 ID picture with white background ▪ Concerned Employee
For replacement due to loss:
Regular employee:
▪ Affidavit of Loss ▪ Concerned employee
▪ Official Receipt
Job Order Worker
▪ Affidavit of Loss ▪ Concerned personnel
1. For newly hired 1. Check the
permanent completeness of P100.00
employees and job requirements. (for
replaceme
order workers, 1.1 Encode employee HRMO II
nt due to 1 Hour
submit complete details on the ID loss- for
PCBD-HRMD
requirements. template. regular
1.2 Request for employee)
barcode sticker
from PCBD.
1.3 Generate, print, 15 Minutes
and issue Barcode
sticker.
1.4 Place barcode
sticker on the ID.
1.5 Check the accuracy Data Encoder
PCBD-HRMD
of the employee
details. 1 Hour
1.6 Print the ID Card.
1.7 Inform employee on
the availability of
the corporate ID
TOTAL None 2 Hours, 15
Minutes
47
2. Processing of Application for Leave
Each time a regular employee applies for leave, the total number of leave credits are indicated
in the Application for Leave (AFL). The number of leave credits serves as basis in
approving/disapproving leaves. It also determines whether a leave is with pay or without pay.
This service shall start from the submission of Application for Leave up to transmittal of the
approved said application to HRMD.
Office or Division: Payroll, Compensation and Benefits Division, Human Resource Management
Department (PCBD-HRMD)
Who may avail: All Employees of Pag-IBIG Fund
▪ Application for Leave (AFL) (HQP-HRF-056) ▪ Pag-IBIG Fund Intranet Portal
(hardcopy) ▪ Concerned Employee
▪ Proof, such as Medical Certificate, for Sick
leave application, as applicable (hardcopy,
original)
1. Submit AFL to 1. Receive and log 5 Minutes
HRMD. employee AFL.
1.1 Input Sick Leave/
Vacation Leave 5 Minutes
credits in the AFL. Data Controller
1.2 Forward AFL to IV
PCBD-HRMD
Division Chief III, 5 Minutes
PCBD for initial
(certifying number of
leave credits).
None
1.3 Initial AFL.
1.4 Forward AFL to Division Chief
Department Manager 10 Minutes III
III for signature PCBD-HRMD
(Certifying number of
leave credits).
1.5 Sign AFL (certifying 30 Minutes Department

number of leave Manager III
credits) and forwards HRMD
to Secretary, HRMD
48
1.6 Log out AFL to Data 10 Minutes Secretary
Encoder II. HRMD
1.7 Log out AFL to 10 Minutes Data Controller IV

Requisitioning Unit PCBD-HRMD
for recommendation
of employee
supervisor and final
approval of Unit
Head.
2. Receive AFL and
forward to None
requesting
employee’s
immediate
supervisor for
recommending
approval and Unit
Head concerned for
final approval.
3. Transmit approved 3. Receive approved 5 Minutes Data Controller IV

leave to HRMD. leave from unit. PCBD-HRMD
TOTAL None 1 Hour, 20

Minutes
49
SUPPORT SERVICES
INTEGRATED RECORDS AND INFORMATION
MANAGEMENT DEPARTMENT
(IRIMD)
INTERNAL SERVICES
50
1. Digitization of Documents
This service aims to preserve records and establish a central digital records repository to
ensure retrieval efficiency.
This service shall start from the receipt of accomplished Request for Document Digitization
Form (RDDF) up to saving of images in the Quality Control Server.
Office or Division: ▪ Cash and Administrative Services Division – Technical and Admin.
Support (CASD-TAS)
▪ Integrated Records and Information Management Department (IRIMD)
 Records Administrative Support Division (RASD)
 Records Information Management Division (RIMD)
 Records Center and Archive Management Division (RCAMD)
Type of Transaction: G2G - Government to Government
▪ Documents for digitization
▪ Request for Document Digitization Form (HQP- Pag-IBIG Intranet Portal
RCF-016)
1. Accomplish and 1. Upon receipt of the
submit the following documents for Member
to IRIMD/CASD- digitization and Services
TAS: RDDF, check Officer (MSO)
▪ Documents for completeness and IV/
Records Officer
digitization correctness of details.
40 Minutes III
▪ Request for RASD-IRIMD
Document 1.1 Assign Control
Digitization Form Number to RDDF, Records Officer
(RDDF) sign document, and None CASD-TAS
forward to Division
Chief III.
1.2 Review and sign 10 Minutes Division Chief

RDDF. Forward III
RASD-IRIMD/
RDDF to MSO
CASD-TAS
IV/Records Officer
III/Records Officer
51
1.3 Assign documents
for digitization to
Microfilming
Machine Operator III
(Document Scanner
Operator). MSO IV/
Notes: Records Officer
▪ The said activity shall III
be applicable to RASD-IRIMD/
Corporate 10 Minutes
Headquarters only. Records Officer
▪ The document CASD-TAS
digitization in TAS
shall be performed by
the Records Officer.
1.4 Forward RDDF to None

Records Officer
III/Records Officer.
1.5 Prepare Routing Slip

for Document
Digitization and
indicate RDDF
Control No.
Microfilming
Machine
1.6 Indicate date
Operator III
received and sign (Document
Routing Slip. Scanner
3 Working Operator)
1.7 Prepare documents Days RASD-IRIMD
for digitization.
Records Officer
1.8 Digitize documents CASD-TAS
based on RDDF.
1.10 Sign RDDF and

Routing Slip.
1.11 Save images in

Quality Control
Server.
4 Working
TOTAL:
Days
52
2. Disposal of Records
It refers to the act of selling, burying or any other way of getting rid of valueless records in
accordance with the provision of Records Disposition Schedule (RDS).
This service shall start from the identification of records for disposal up to validation of disposed
records against documentations
Office or Division: ▪ Technical and Admin. Support (TAS)

▪ Integrated Records and Information Management Department (IRIMD)
Type of Transaction: G2G - Government to Government
▪ Request for Authority to Dispose List (RADL, IRIMD System -
HQP-RCF-002) http://rmserver02/rms/DisposalMonitoringTool/
▪ Request for Authority to Dispose of Records default.aspx
(NAP Form No. 3)
1. Access Disposal 1 Review generated
Monitoring Tool and RADL, accept in the
Identify records to be system, and evaluate
disposed. records requested for
disposal.
1.1 Prepare records for
disposal. 1.1 Coordinate result of
evaluation with
1.2 Generate and requisitioning unit. Records
forward soft copy of None 1 Working Controller
Request for Authority 1.2 Coordinate Day IRIMD
to Dispose List consolidation and
(RADL) to IRIMD. generation of
Request for Authority
to Dispose of
Records (NAP Form
No.3) to requisitioning
unit.
53
2. Generate NAP Form 2. Receive NAP Form
No.3 for the No.3
consolidation of
RADL. 2.1 Ensure
completeness and
2.1 Forward soft copy of correctness of
NAP Form No.3 to generated NAP
IRIMD. Form No.3 against
RADL. 1 Hour
2.2 Coordinate to
Requisitioning Unit
the submission of
approved RADL and Records
NAP Form No.3. Controller
IRIMD
3. Print RADL and 3. Receive final print of

NAP Form No. 3. disposal request.
3.1 Submit RADL and 3.1 Ensure correctness

NAP Form No.3 to of RADL and NAP
IRIMD. Form No.3 30 Minutes
None
3.2 Forward RADL NAP
Form No.3 to
Approving Authority.
3.3 Review and sign

NAP Form No.3. Approving
Authority
3.4 Forward RADL and 10 Minutes
NAP Form No.3 to
Records Controller.
3.5 File RADL.
3.6 Forward NAP Form

No.3 to National Records
Archives of the Controller
30 Minutes
Philippines (NAP) for IRIMD
evaluation and
issuance of Authority
to Dispose of
Records (NAP Form
No.5).
54
3.7 Upon receipt of the 2 Working
following documents, Days
coordinate the (validation and
schedule of disposal transfer of
with NAP: physical
▪ Notification of records)
Approval
▪ Records
Management
Analysis Report
(NAP Form No.4)
Note: During
coordination,
records for
disposal shall Records
Controller/
be transferred
Records
by the Records Custodian
Controller of Branch/
IRIMD/Branch/ Housing
HBC/TAS to None
Business
Central Center
Disposal Area. (HBC)/Technic
al and
30 Minutes Administrative
3.8 Generate and
forward Support (TAS)/
Memorandum re: Integrated
Records and
Notice of Disposal of
Information
Records to the Management
following: Department
▪ COA (IRIMD)
▪ NAP
3.9 On scheduled date, Records

1 Working Day
conduct disposal of Controller/
(process steps
records together Records
3.9 to 3.11.2)
with NAP and COA Custodian
Representatives. Branch/HBC/
TAS/IRIMD
(process steps
3.9 to 3.11.2)
55
3.10 Receive the
following
documents from
NAP after the
conduct of disposal:
▪ Authority to
Dispose of
Records (NAP
Form No. 5)
▪ Certificate of
Disposal of
Records (NAP
Form No. 6)
▪ Request for
Authority to
Dispose of
Records (NAP
Form No. 3)
3.11 Sign Certificate of

Disposal of
Records (NAP
Form No.6) and
Attendance Sheet None
and perform the
following:
3.11.1 For Regional

Branches,
forward the
following
documents to
IRIMD:
▪ NAP Form
No.3
▪ NAP Form
No.4
▪ NAP Form
No.5
▪ NAP Form
No.6
▪ Notification of
Approval
▪ Supporting
Documents
(Attendance
Sheet)
56
3.11.2 For NCR/CHQ,
file the following
documents for
safekeeping:
▪ NAP Form
No.3
▪ NAP Form
No.4
▪ NAP Form
No.5
▪ NAP Form
No.6
▪ Notification
Approval
▪ Supporting
Documents None
(Attendance
Sheet)
3.12 Upon completion of

disposal, retrieves
RADL from file.
10 Minutes
3.13 Access system and
update details of Records
disposed records. Controller
TAS/ IRIMD
3.14 Validate the
disposed records 1 Working Day
against
documentations.
5 Working
TOTAL: Days, 2 Hours,
50 Minutes
57
SUPPORT SERVICES
LEGAL AND GENERAL COUNSEL GROUP
INTERNAL SERVICES
58
1. Review of Contracts, Guidelines, Forms and other Agreements
Requests for review of Contracts, Guidelines, Forms and other Agreements submitted by the
Member Services Operations, Home Lending Operations, Support Services, and Executive
Offices.
This service shall start from the receipt of the draft Memorandum request with complete
supporting documents up to release of the reviewed Memorandum.
Office or Division: Corporate Business Legal Advisory Department (CBLAD)

Who may avail: ▪ Member Services Operations (MSO)
▪ Home Lending Operations (HLO)
▪ Support Services
▪ Executive Offices
1. For Contracts and Other Agreements --
Memorandum Request with complete
background of the proposed transaction and the
parties involved, documents showing authority of
the signatory to enter into the transaction and
other documents as necessary.
2. For Guidelines and Forms – Memorandum Concerned Fund Offices
request with complete background of the subject
matter or the purpose of the amendment and
proof of approval by the Senior Management /
Board of Trustees and copies of the applicable
Circular or Guidelines and Management Committee
Directive.
1. Submit 1. Receive and docket None 4 Hours Receiving Clerk/
Memorandum the duly prepared Senior Credit
request with Memorandum Investigator
complete supporting request with complete LGCG Docket
documents. supporting
documents.
59
NOTE: The List of 1.1 Prepare 9 Working Handling Lawyer
supporting Memorandum on Days Corporate
documents the review of the Business Legal
shall depend subject Advisory
Department
on the nature
(CBLAD)
of request and
facts to
contracts and
other
agreement.
1.2 Review 10 Working Supervising

Memorandum on Days Lawyer
the subject Corporate
None Business Legal
Advisory
Department
(CBLAD)
1.3 Release of the 4 Hours Courier/

Memorandum on Messenger
the subject to the LGCG Docket
Member Services
Operations, Home
Lending Operations,
Support Services
and Executive
Offices
20 Working
TOTAL: None
Days
60
2. Review of Enforcement Complaint
Enforcement Complaints are prepared by the Member Services / Technical and Admin Support
Offices, after its conduct of enforcement activities which includes preparation and issuance of
demand letters and site visit / inspection of the business establishment.
This service shall start from the receipt of the draft enforcement complaint with complete
supporting documents up to release of the reviewed Enforcement Complaint.
Office or Division: Corporate Business Legal Advisory Department (CBLAD)

Who may avail: Member Services Operations/Technical and Admin. Support Offices
▪ Investigation Data Form
▪ Complaint Affidavit
▪ SEC or DTI Certificate of Registration
▪ SEC Articles of Incorporation, if applicable
▪ Articles of Partnership, if applicable
▪ BPLO Certification
▪ Checklist of Registration Requirement Member Services Office/Technical and
▪ Demand Letter Admin. Support Offices
▪ Investigation Report/Verification Report
▪ Investigation Report
▪ Case Update
▪ Secretary’s Certificate
▪ GIS, if applicable
▪ Letter of Authority
1. Submit duly 1. Receive and docket 4 Hours Receiving
prepared Complaint the duly prepared Clerk/Senior
Affidavit with Complaint Affidavit Credit Investigator
complete supporting with complete LGCG Docket
documents. (Refer to supporting
the Checklist of documents.
Requirements) None
1.1 Prepare 11 Working Handling Lawyer

Memorandum on Days Corporate
the review of the Business Legal
Enforcement Advisory
Department
Complaint.
(CBLAD)
61
1.2 Review the 8 Working Supervising
Memorandum on Days Lawyer
the Enforcement Corporate
Complaint. Business Legal
Advisory
Department
(CBLAD)
1.3 Release the None 4 Hours Courier/

Memorandum on Messenger
the review of the LGCG Docket
Enforcement
Complaint to the
Member Services
Operations/Technic
al and Admin
Support Offices
20 Working
TOTAL: None
Days
62
SUPPORT SERVICES
MEMBER RELATIONS DEPARTMENT
(MRD)
INTERNAL SERVICES
63
1. Complaints Management (Resolution of 8888 Complaints)
This refers to the documentation and evaluation of complaints received to effectively address
the concerns of members and other relevant interested parties.
This service shall start from the receipt of complaint from 8888 Complaint Center up to
relaying of feedback to complainants.
Office or Division: ▪ Member Relations Department (MRD)

▪ Branch
▪ Housing Business Center (HBC)
▪ Concerned Units
Who may avail: Pag-IBIG Fund Members
None None
1. Endorse complaint/s 1. Receive
to Pag-IBIG Fund. endorsement from
8888 complaint
center. 20 Minutes
1.1 Validate complaints.

Customer
Support
1.2 Coordinate with 30 Minutes Assistant/
branches None
Management
nationwide. Support
Assistant
1.3 Check status of the 20 Minutes Member
concern on IISP Relations
system. Department
1.4 Provide updates to 30 Minutes

the complainant.
64
1.5 Document the action 1 Hour
taken in the 8888-
agency portal and
tag the ticket as:
▪ Processing
Recommended
for closing and for
compliance
▪ Reviewing of
correct tagging of
concern
1.6 Follow-up status of

concern/ complaint.
4 Hours, 20
1.7 Check the Minutes
monitoring for the
updates.
Customer
1.8 Follow-up the 19 Working
Support
feedback of Days Assistant/
concerned Operating None Management
Unit via: Support
▪ Phone Call Assistant
▪ Email Member
▪ Visit the branch to Relations
personally obtain Department
the feedback
1.9 Provide reply letter

to 8888 Complaint
Center and/or the
complainant.
1.10 If documented
information was 1 Hour
already sent to the
8888 agency
portal, resend
letter-reply via
Zimbra email
account.
1.11 Update the 8888

agency portal.
20 Working
TOTAL:
Days
65
2. Complaints Management (Resolution of Members’ Complaints/Concerns
endorsed by ARTA, PACC and CCB)
This service shall start from the receipt of complaint endorsed by Wanted Sa Radyo up to

▪ Branch
▪ Concerned Units
Who may avail: Pag-IBIG Members
None None
1. Give concern/ 1. Receive and read the 5 Minutes
complaint to MRD. email/letter of the
member.
1.1 Verify member’s 20 Minutes Customer

record. Support
Assistant/
1.2 Call the member and 30 Minutes Management
None Support
validate his/her
Assistant
concern. Member
Relations
1.3 Comprehend the 1 Hour Department
concern of the (process steps (MRD)
member. 1.4 to 1.6)
66
1.4 Prepare the
following:
▪ Msemo
Endorsement to
Customer
concerned
Support
Operating Unit
Assistant/
▪ Acknowledgement Management
Receipt to the Support
member Assistant
▪ Acknowledgment Member
Receipt to the Relations
Endorsing Agency Department
(MRD)
1.5 Send the
endorsement to the
operating unit via
email.
1.6 Follow-up status of 4 Hours, 5

concern/ complaint. Minutes
1.7 Check the monitoring

for the updates. None
1.8 Follow-up the

feedback of
concerned Operating 19 Working
Unit thru: Days Customer
▪ Phone Call Support
▪ E-mail Assistant/
Management
▪ Visit the branch to
Support Assistant
personally obtain Member
the feedback Relations
Department
1.9 Relay the feedback 1 Hour (MRD)
to the member thru:
▪ Phone
▪ E-mail
▪ Snail mail
1.10 Relay the feedback 1 Hour

to the endorsing
agency thru snail
mail or e-mail.
20 Working
TOTAL: None
Days
67
3. Complaints Management (Resolution of Members’ Complaints/Concerns
endorsed by Presidential Complaint Center, HUDCC, OVP, PAO)
This service shall start from the receipt of complaint from Presidential Complaint Center up to

▪ Branch
▪ Concerned Units
None None
1. Send letter of 1. Receive and read the 5 Minutes
complaint/concern letter of the member.
to Pag-IBIG Fund.
1.1 Log the member’s 5 Minutes Customer
concern in the Support
logbook/CRM. None Assistant/
Management
1.2 Verify the member’s 20 Minutes Support
records. Assistant
Member
1.3 Call the member and 20 Minutes Relations
Department
validate the concern. (MRD)
68
1.4 Comprehend the 20 Minutes
concern of the
member:
▪ Simple/General
Inquiries: Prepare
reply to the
member
▪ Complex Inquiries:
Prepare Memo
▪ Endorsement to Customer
concerned Support
Operating Unit and Assistant/
Acknowledgement Management
Receipt to the Support
member. Assistant
Member
Relations
1.5 Prepare the 20 Minutes Department
following: (MRD)
▪ Acknowledgement
Receipt to the
Endorsing Agency
▪ Transmittal Slip for
the member
▪ Transmittal Slip for None
the Endorsing
Agency
1.6 Review the 10 Minutes Information

Memorandum/Reply. Officer IV
Member
Relations
1.7 Edit and finalize the 10 Minutes Department
Memorandum/Reply. (MRD)
1.8 Sign and approve 5 Minutes Department

the Memorandum Manager III
Reply. Member
Relations
Department
1.9 Label the envelope. 5 Minutes Customer

Support
1.10 Scan the 5 Minutes Assistant/
Document. Management
Support
1.11 Send the 5 Minutes Assistant
Member
endorsement to the
Relations
operating unit via Department
email. (MRD)
69
1.12 File the letter. 5 Minutes

concern/complaint. 3 Hours, 45
Minutes
1.14 Check the
monitoring for the
updates.
19 Working
1.15 Follow-up the
feedback of Days
concerned
Operating Unit via:
▪ Phone Call
Customer
▪ E-mail
Support
▪ Visit the branch Assistant/
to personally Management
obtain the Support
feedback Assistant
Member
1.16 Relay the feedback 1 Hour Relations
to the member via: Department
▪ Phone (MRD)
▪ E-mail
▪ Snail mail
1.18 Relay the 1 Hour

feedback to the
endorsing
agency thru
snail mail or e-
mail
20 Working
TOTAL: None
Days
70
4. Complaints Management (Resolution of Member’s Complaints/Concerns
endorsed by Wanted Sa Radyo)
This refers to the documentation and evaluation of complaints received to effectively address the
concerns of members and other relevant interested parties.
This service shall start from the receipt of complaint endorsed by Wanted Sa Radyo up to relaying
of feedback to complainants.

▪ Branch
▪ Concerned Units
None None
1. Give concern/ 1. Guide the member to
complaint to MRD. log on the logbook.
15 Minutes
1.1 Receive and read
Customer
the letter of the
Support
member. Assistant/
Management
1.2 Ask member to None 10 Minutes Support
provide additional Assistant
information by Member
filling-out the Relations
information sheet. Department
(MRD)
71
1.3 Comprehend the
concern of the
member:
▪ Simple/ General
Inquiries, educate
the member on
the procedure/
process needed
and provide the
basic information
of his/her inquiry.
▪ Complex
Inquiries,
coordinate his/her
concern to the Customer
Support
concerned unit
Assistant/
▪ Accompany Management
him/her to the Support
operating unit Assistant
▪ Endorse to the 2 Hours Member
concerned unit None Relations
via email or thru Department
memo (MRD)
1.4 For difficult and
irate members,
prepare the
following:
▪ Memo
endorsement to
concerned
Operating Unit
▪ Acknowledgeme
nt Receipt to the
member
▪ Transmittal Slip
for the member
and Endorsing
Agency.
1.5 Review the 10 Minutes Information

Memorandum/Reply Officer
Member
Relations
Department
(MRD)
72
1.6 Edit and finalize the 10 Minutes Information
Memorandum/ Officer
Reply. Member
Relations
Department
(MRD)
1.7 Approve the 5 Minutes Department

Memorandum/ Manager III
Reply. Member
Relations
Department
1.8 Label the envelope 5 Minutes
1.9 Scan the 5 Minutes

Document
1.10 Send the 5 Minutes
endorsement to the
operating unit via
email.
concern/complaint.
3 Hours, 35
None
1.13 Check the Minutes
monitoring for the
updates Customer
Support
Assistant/
1.14 Follow-up the 19 Working Management
feedback via: Days Support
▪ Phone Call Assistant
▪ Email Member
▪ Visit the branch Relations
to personally Department
obtain the (MRD)
feedback
to the member via:
▪ Phone
▪ E-mail
▪ Snail mail

to the endorsing
agency thru snail
mail or email.
20 Working
TOTAL: None
Days
73
5. Handling of Escalated Simple and Highly Technical Complaints from the
Outsourced Contact Center’s Service Provider
The Contact Center Support Unit (CCSU) handles escalated concerns from the outsourced
Contact Center’s Service Provider. These escalated concerns are forwarded as tickets with
complex inquiries and records no available in the Service Provider’s system verification. Thus,
the need for further verification and coordination by the CCSU Verifiers with the concerned unit.
The CCSU is composed of two (2) groups:
▪ Escalation – Verifier checks the availability of member’s record in the available system
verification for immediate resolution.
▪ For Coordination – Verifier directly coordinates through phone call, e-mail, branch visits, if
needed, with the Operating Units to resolve member’s concern.
This service shall start from the receipt of escalated ticket from the Outsourced Contact Center
up to the provision of the solution/s.
Office or Division: Call Center Support Team – Call Center Division – Member Relations
Department
Classification: ▪ Simple Transaction – if record is available in system verification
▪ Highly Technical Transaction – if record is not available in the system
verification and/or record is subject for merging, archiving, with legacy
file, double period covered and other complex transaction that may
require reconciliation.
Who may avail: Pag-IBIG Fund Members
▪ Two (2) Valid IDs (Scanned copy/Photocopy) – Pag-IBIG Member
for all transactions
▪ Request for Consolidation/Merging of Member’s
Records Form (HQP-PFF-093) – for request to
merge member’s records
▪ Member’s Change of Information Form (MCIF,
HQP-PFF-049) – for request to update the Pag-IBIG Fund website
member’s information
▪ Acknowledgement Receipt (AR, HQP-SLF-121/
HPQ-PFF-061) – for follow-up of Multi-Purpose
Loan/Provident Benefits
▪ Claim Application.
74
Simple Transaction
1. Receive escalated
ticket from
Outsourced Contact
Center. 2 Minutes
1.1 Read and
comprehend the
concern. Verifier
Member
Relations
1.2 Check status of 10 Minutes
Department
the concern on the
verification system.
1.3 Encode and submit 3 Minutes

the resolution
through the CRM
for the Service
Provider to close None
the ticket.
1.4 Provide the

resolution to
member through
his/her preferred
channel:
▪ Phone call 15 Minutes
▪ E-mail 10 Minutes Outbound Agent
▪ SMS 5 Minutes Outsourced
*Average of 10 Contact Center
Minutes across
all channels
1.5 Document the 5 Minutes

transaction and
close the ticket.
Notes:
1. The escalated ticket beyond 5:00 p.m. shall be
considered receive on the next working day.
2. The average of 10 Minutes was considered
under process step 1.4 (email) to come up with
the total of 30 Minutes processing time.
75
Highly Technical
Transaction
1. Receive escalated
ticket from
Outsourced Contact
Center. 5 Minutes
1.1 Read and

comprehend the
concern.
1.2 Check the status of 15 Minutes

the concern on the Verifier
verification system. Member
Relations
Department
1.3 Coordinate with 30 Minutes
concerned
Operating Unit if the None
member’s concern is
not available in the
system or if the
request/query is
highly technical.
*Coordination may be
through phone call or e-
mail endorsement.
1.4 Provide feedback to 19 Working Concerned

endorsement via Days Personnel
phone call or e-mail. Concerned
Operating Units
1.5 Encode and submit 10 Minutes Verifier
the resolution Member
through the CRM for Relations
the Service Provider Department
to close the ticket
76
1.6 Provide the
resolution to
member through
his/her preferred
channel:
▪ Phone Call 15 Minutes Outbound
▪ E-mail 10 Minutes Agent
▪ SMS 5 Minutes Outsourced
Contact Center
*Revert time may vary *Average of 10
on the accessibility of Minutes across
the preferred channel all channels
1.7 Document the 10 Minutes

transaction and
close the ticket.
19 Working
TOTAL: None Days, 1 Hour,
20 Minutes
Notes:
1. The escalated ticket beyond 5:00 p.m. shall be
considered receive on the next working day.
2. The average of 10 Minutes was considered
under process step 1.6 (email) to come up with
the total of 19 Working Days, 1 Hour, 20
Minutes processing time.
77
SUPPORT SERVICES
OPERATIONS ACCOUNTING DEPARTMENT
(OAD)
INTERNAL SERVICES
78
1. Issuance of Notice of Budget Allocation
The processing of Notice of Budget Allocation is used to estimate expenses of each
department of the Fund. It supports the allocation of resources and provides the amount of
funding per unit/department to each expenditure line.
This service shall start from the preparation of documents for budget request from centralized
account up to issuance of approved Budget Allotment Notice (BAN) to Requisitioning Unit.
Office or Division: ▪ Budget Monitoring and Execution Division-Operations Accounting

Department (BMED-OAD)
▪ General Accounting and Budget Management Division-Technical and
Admin. Support (GABMD-TAS)
Type of Transaction: G2G - Government to Government (Reimbursement of
Committee/Business Promotion Expenses)
▪ Request for Payment (RFP)
▪ Official Receipts/Sales Invoice
▪ Attendance Sheets Pag-IBIG Fund Intranet Portal
▪ Certification of expenses incurred signed by the
officer concerned
1. Submit the following 1. Receive, check and 5 Minutes
requirements to evaluate if the
BMED-OAD/ request has sufficient
GABMD-TAS: budget.
▪ RFP
▪ Notice of Budget 1.1 Access the RFP
Obligation (NBO), system and check
as applicable details to process
the request. Budget Officer
None BMED-OAD/
GABMD-TAS
1.2 Temporarily
approve the request 5 Minutes
in the system.
1.3 Endorse request

and the supporting
documents to
Division Chief III.
79
1.4 Access RFP system
and review details
of the request.
Division Chief
III
1.5 Approve request 20 Minutes
BMED-OAD/
and endorse GABMD-TAS
documents to
receiver for tagging
of request.
1.6 Access the Voucher

System for tagging
of request to
Financial Control
Division.
Receiving Clerk
10 Minutes
BPAD-OAD/
1.7 Endorse documents GABMD-TAS
to Financial Control
Division for process
of Disbursement
Voucher.
1.8 Receive signed None

Request for
Payment and other
supporting
documents.
1.9 Evaluate the RFP

and other supporting
documents.
1.10 Check details in the 30 Minutes

RFP system. DV Processor
FCD-OAD/
1.11 Access Voucher GABMD-TAS
System and process
DV.
1.12 Print draft DV.
1.13 Endorse DV to
Supervising
Financial Specialist
(SFS).
80
1.14 Check entries in the
draft DV.
Supervising
Financial
1.15 Pre-audit the
Specialist
transaction. FCD-OAD
30 Minutes
1.16 Forward the Accountant
corrected draft DV to IV/Budget Officer
the Data Controller GABMD-TAS
for printing of DV.
1.17 Receive draft DV

with other
supporting
documents from
SFS.
1.18 Print DV. None 15 Minutes Data Controller

FCD-OAD/
GABMD-TAS
1.19 Forward DV, draft
DV, and other
supporting
documents to
Division Chief III.
1.20 Review the pre-

audited DV and
other supporting
Division Chief III
documents. FCD-OAD
30 Minutes
1.21 Approve DV. Accountant V
GABMD-TAS
1.22 Approve request in
the system.
2 Hours,
TOTAL:
25 Minutes
Note: Once the Disbursement Voucher is
approved/tagged by the Division Chief III in
the Voucher System, it will automatically
notify the Budget Officer of BMED for the
printing of Notice of Budget Allocation (NBA).
81
2. Issuance of Notice of Budget Obligation for Purchase Orders, Contracts, etc.
The processing of Notice of Budget Obligation shall be prepared according to type (Purchase
Order/Contract of Service) based on the prescribed template.
This service shall start from the preparation of Notice of Budget Obligation (NBO) and Schedule
of Consolidated Chargeable Activities up to issuance of the approved NBO to Requisitioning
Unit.
Office or Division: ▪ Procurement Division – General Services Department (PD-GSD)

▪ Human Resource Development Department (HRDD)
▪ Cash and Administrative Services Division-Technical and Admin.
Support (CASD-TAS)
▪ Budget Monitoring and Execution Division-Operations Accounting
Department (BMED-OAD)
▪ Purchase Order Form (S1-13) ▪ Pag-IBIG Fund Intranet Portal
▪ Contract of Services
▪ Duly approved and Funded Purchase Requests ▪ General Services Department (GSD)
▪ Proof of Receipt of Invitation to bid/Request for
Quotation (HQP-PMF-004)
Pag-IBIG Fund Intranet Portal
▪ Abstract of Bids (HQP-PMF-039)
▪ PhilGEPS Certificate for amount 50,000 and
▪ Philippine Government Electronic
above
Procurement System
▪ At least three (3) open Canvases
▪ Receiving and Inspection Report (RIS)
▪ Pag-IBIG Fund Intranet Portal
▪ Certificate of Acceptance
1. After the completion 1. Receive request for
of procurement issuance of NBO
process, forward together with all the
approved Purchase supporting
Order (PO)/Contract documents attached None 10 Minutes Receiving Clerk
of Services (CoS) thereto. (process steps BMED-OAD
and the following (CHQ process) 1 to 1.2) (process steps
supporting 1 to 1.2)
documents:
82
▪ Duly approved 1.1. Log receipt of
and Funded request for
Purchase issuance of NBO.
Requests
▪ Proof of receipt of 1.2. Forward
invitation to documents to
bid/Request for Budget Officer.
quotation
▪ Abstract of Bids 1.3. Check
▪ PhilGEPS completeness and
Certificate evaluate Purchase
▪ Three (3) open Order, Contract of
Canvasses Service form and
▪ Receiving and other supporting
Inspection Report documents.
▪ Certificate of
Acceptance 1.4. Access BMS and
encode the
following:
▪ Payee
▪ Particular 30 Minutes
1.5 Select Notice of None

Budget Obligation Budget Officer
(NBO) type in the BMED-OAD/
GABMD-TAS
worklist.
1.6 Select source of

NBO.
1.7 Edit and save

details in the pop-
up form.
1.8 Endorse hardcopy 1 Minute

of request and
supporting
documents to
Division Chief
III/GABMD Head.
Division Chief III
1.9 Review/evaluate 1 Hour Budget Division-
documents (process steps OAD/GABMD
endorsed by 1.9 to 1.12) (process steps
Budget Officer. 1.9 to 1.12)
83
1.10 Access BMS and
check details of
NBO.
1.11 For CHQ process,

affix initial on the
PO/CoS and
forward to
Approving
Authority.
processing goes to
1.5.
1.12 For Branches, sign

documents and
approve details in
the system.
processing goes to
1.5. None
1.13 Review documents 1 Hour Approving

and approve NBO Authority
Note: The approval OAD/GABMD
of PO/CoS shall be
based on the
signing authority.
1.14 Access BMS and 1 Minute Division Chief III

execute approval of BD-OAD/GABMD
the NBO based on
PO (Budget
Division Copy)/CoS
(photocopy)/
Contracts with NBO
Number (OAD
Copy).
84
1.15 Forward signed
PO/CoS and
supporting
documents to
Procurement
Division-General
Services
Department (PD-
GSD)/Cash and Budget Officer
Administrative BD-OAD/
None 20 Minutes
Services Division- GABMD-TAS
Technical and
Admin. Support
(CASD-TAS) for the
request on issuance
of NBO.
1.16 Forward approved

NBO to the
requisitioning unit.

Minutes
85
3. Process Disbursement Voucher/Disbursement Voucher/Check
The processing of Disbursement Voucher/Disbursement Voucher/Check for Treasury

Investment Transaction is a form used to have a check made to pay an individual or the unit for
services rendered.
This service shall start from the receipt of Request for Payment (RFP) funded by Budget
Monitoring and Execution Division – Operations Accounting Department (BMED-OAD) up to
transmittal of Disbursement Voucher/Disbursement Voucher/Check to the Approving Authority.
Office or Division: ▪ Operations Accounting Department (OAD)

▪ Financial Control Division-Operations Accounting Department
(FCD-OAD)
▪ Request for Payment (HQP-FAF-008) ▪ Pag-IBIG Fund Intranet Portal
▪ Request for Investment
▪ Letter to the Investment Company
▪ Trade Order ▪ Investment Department
▪ Canvass Sheet
▪ Photocopy of applicable passbook
1. Forward signed 1. Receive signed
Request for Payment Request for
and the following Payment and other
supporting supporting
documents to OAD: documents.
▪ Request for Receiving
Investment 1.1 Tag details in the Clerk/DV
▪ Letter to the Voucher Tracking None 5 Minutes Processor
Investment System. FCD-OAD/
GABMD-TAS
Company
▪ Trade Order 1.2 Forward RFP and
▪ Canvass Sheet supporting
▪ Photocopy of documents to DV
applicable Processor.
passbook
86
1.3 Review and pre-
audit RFP.
1.4 Access the Voucher

System and
process DV.
1.5 Extracts the 30 Minutes

following RFP
details from BMS:
- Payee
- Payee Address
- Particulars
- Accounting
Entries
1.6 Key-in voucher

details such as Tax
and Treasury/Cash
Entries. 10 Minutes DV Processor
None FCD-OAD/
1.7 Edit Voucher details GABMD-TAS
and DV type, as
applicable.
1.8 Select signatory in

the dropdown list of
boxes A, B, and C.
1.9 Select “Done” 2 Minutes

button to save the
transaction.
1.10 Print draft DV for

review.
1.11 Forward draft DV 1 Minute

and supporting
documents to
Supervising
Financial Specialist/
Accountant IV.
87
1.12 Receive draft DV 1 Minute
and supporting
documents.
1.13 Review processed 15 Minutes

draft DV and
corresponding Supervising
supporting Financial
document. Specialist/
Accountant IV
FCD-OAD/
1.14 Access the Voucher 1 Minute GABMD-TAS
System and select
the “Pre-approve”
button.
1.15 Forward draft DV 1 Minute

and supporting
documents to DV
None
Processor.
1.16 Access the RFP

system and assign
DV No.
1.17 Save DV
transaction.
DV Processor
FCD-OAD/
1.18 Access the Voucher 15 Minutes GABMD-TAS
System and print
the following:
- DVs
- BIR Form
2306/2307, as
applicable
88
1.19 Review/initially
approve DVs with
supporting
documents and BIR Division Chief
forms 2306/2307, III/Accountant V
as applicable. FCD-OAD/
30 Minutes GABMD-TAS
1.20 Forward the verified
None
DVs with supporting
documents to the
next signing
authority
1.21 Review and sign DV

in Box B. Finance Officer/
Accountant V
1.22 Forward DV and FCD-OAD/
30 Minutes GABMD-TAS
supporting
documents to
Approving Authority.

Minutes
89
SUPPORT SERVICES
TREASURY DEPARTMENT
INTERNAL SERVICES
90
1. Issuance of Payment Order Form (POF) and Acceptance of Loan
Amortization Payment and Other Amounts due to the Fund through Over-the-
Counter (OTC) (Housing)
This service allows the Payor to remit/pay various amounts due or voluntary savings to the
Fund through over-the-counter (OTC). This covers the following various housing-related
payment transactions, which shall not be limited to the following:
1. Housing-related

▪ Appraisal fee
▪ Conversion cost

▪ Reservation fee
▪ Equity
requirements)
▪ Monthly rental

▪ Inspection in excess of four (4) inspections for accounts with staggered releases
(e.g., home improvement and house construction)
This service shall start from the receipt of supporting documents from Payor for the
issuance of Payment Order Form (POF) up to issuance of Pag-IBIG Fund Official Receipt
(PFOR) to Payor.
91
Office or Division: ▪ Member Services Support Division – Servicing Department/Loans
Servicing Division – Loans Origination – Housing Business Center
(HBC)
▪ Cash Collection Division – Loans Support Services Department (CCD-
LSSD)
[12 months])
1.1 Monthly Housing Loan Billing Statement Pag-IBIG Fund
(MHBS) (original/photocopy)
1.2 Latest PFOR (original/photocopy)
For Employer, in soft copy:
1.1 Statement of Payroll Deduction/Housing Employer
Loan Amortization Remittance Form
(HLARF)
B. REQUIREMENTS FOR LOAN AMORTIZATION PAYMENT AND OTHER AMOUNTS DUE TO
THE FUND
Monthly Housing Loan Billing Statement (MHBS), Pag-IBIG Fund
as applicable
➢ Developer, HQP-HLF-027
92
Servicing Counter, 1.1 Request the Payor
request for Payment to present and/or
Order Form (POF), submit any of the
and wait for the following, per type
number to be called. of transaction:
For Individual 20 Minutes
Payor (IP)
▪ MHBS Mortgage Loans
▪ Latest PFOR Specialist
For Employer Member
▪ Statement of Services
None Support
Payroll
Division –
Deduction/ Servicing
HLARF Department/
Loans Servicing
1.2 Generate and issue
Division –
POF to Payor or Loans
Employer. Origination –
Housing
2. Receive the POF 2. Advise the Payor or Business
from Mortgage Employer to proceed 5 Minutes Center (HBC)
Loans Specialist. to payment counter
and present the POF/
other supporting
documents, as
applicable, for
payment.
93
Cashier. POF, access the
system and encode
the POF Number/
Borrower’s Name. None 5 Minutes

reflected in the
system are
matched with POF.
4. Pay loan 4. Receive actual Depends

amortization and Cash/Check from on the Cashier
other amounts due Payor or Employer. amount Cash Collection
to the Fund and due per Division –
Loans Support
Services
Cash/Check transac- 20 Department
received is matched tion Minutes (CCD-LSSD)

(PFOR, HQP-TMF-
015).
4.3 Issue PFOR to

Payor/Employer.
TOTAL: Depends
on the
Cash and Dated Check amount 25 Minutes
due per
type of
Postdated Check transac- 30 Minutes
tion
94
Notes:
2. For payment of HL amortization, Mortgage
Loans Specialist shall advise the member that
for his succeeding payment, he/she may pay
his/her HL amortization to the Fund’s accredited
collecting partners such as Bayad Center, SM
Business Center, etc.
(AR) shall be issued to the Payor upon receipt
of remittance/payment.
95
2. Issuance of Payment Order Form (POF) and Acceptance of Remittance for
Membership Savings (MS)/payment of Loan Amortization and Other Amounts
due to the Fund through Over-the-Counter (OTC) (Member Services)
Fund through over-the-counter (OTC). This covers various provident-related payment
transactions, which shall not be limited to the following:
1. Savings-related


▪ Calamity Loan
3. Housing-related

▪ Appraisal fee
▪ Conversion cost

▪ Reservation fee
▪ Equity
requirements)
▪ Monthly rental

▪ Inspection in excess of four (4) inspections for accounts with staggered releases
(e.g., home improvement and house construction)
96
(PFOR) to Payor.
Office or Division: ▪ Member Services II – Frontline Servicing – Branch

▪ Branch Support – Branch
[12 months])
Pag-IBIG Fund
original/photocopy)
For Employer, any of the following, in soft
copy:
1.1 For MS, Membership Savings Remittance
Form (MSRF, HQP-PFF-053)
1.2 For STL, Short Term-Loan Remittance Form
(STLRF, HQP-SLF-017) Employer
1.3 For HL, Statement of Payroll Deduction/
Housing Loan Amortization Remittance Form
(HLARF)
▪ For provident-related, HQP-PFF-100
➢ Developer, HQP-HLF-027 Pag-IBIG Fund
97
1.1 Request the Payor
Servicing Counter,
to present and/or
request for Payment
submit any of the
Order Form (POF),
following, per type
and wait for the
of transaction:
For Individual Payor (IP),
whichever is applicable 20 Minutes
▪ Pag-IBIG Fund
Loyalty Card Plus
▪ Latest PFOR
▪ MSBS/MHBS
For Employer Member
▪ For MS, MSRF Services
▪ For STL, STLRF None Officer
▪ For HL, Statement of Member
Payroll Deduction/ Services II –
HLARF Frontline
Servicing -
1.2 Generate and issue Branch
POF to Payor or
Employer.
2. Receive the POF 2. Advise the Payor or
from Member Employer to proceed
Services Officer. to payment counter 5 Minutes
and present POF/
other supporting
documents, as
applicable, for
remittance/
payment.
98
Cashier. POF and/or
supporting
documents (as
applicable), access
the system and
encode the POF
Number/Borrower’s None 5 Minutes
Name.

reflected in the
system are
matched with POF.
Cashier
Branch Support-
Branch
other amounts due Payor or Employer. amount
to the Fund and due per
Cash/Check transac- 20
received is matched tion Minutes

(PFOR, HQP-TMF-
015).
4.3 Issue PFOR to

Payor/Employer.
Depends
TOTAL:
on the
amount
Cash and Dated Check due per 25 Minutes
type of
transac-
Postdated Check 30 Minutes
tion
99
Notes:
3. If the employer has employees without assigned
Pag-IBIG MID No., advise the employer that the
member’s payment shall not be posted in the
employee’s subsidiary ledger (SL).
4. Employer must submit a revised MSRF/STLRF
reflecting a complete MID Nos. of its concerned
employees.
5. The system will automatically capture the
“period covered” and “amount due” reflected in
the uploaded file.
6. The uploaded remittance file shall appear in the
Payment Order Form Screening Window.
7. The system will automatically match the amount
encoded in the system against the amount
reflected in remittance file. If the amount
encoded does not match, the remittance file
shall not be served.
8. The uploading of remittance file shall proceed
once the information of the member is updated.
10. For payment of HL amortization, the borrower
shall be advised that for his/her succeeding
payment, he/she may pay his/her HL
amortization to the Fund’s accredited collecting
partners such as Bayad Center, SM Business
Center, etc.
(AR) shall be issued to the Payor upon receipt of
remittance/payment.
100
3. Issuance of Payment Order Form (POF) and Acceptance of Remittance for
Membership Savings (MS)/payment of Loan Amortization and Other
Amounts due to the Fund through Over-the-Counter (OTC) (Treasury)
Fund through over-the-counter (OTC). This covers various payment transactions, which
shall not be limited to the following:
1. Savings-related


▪ Calamity Loan
3. Housing Amortization
4. Miscellaneous
(PFOR) to Payor.
Office or Division: Cash Management Division – Treasury Department (CMD-TD)

Who may avail: Pag-IBIG Fund members/member-borrowers
(original/photocopy) Pag-IBIG Fund
original/photocopy)
▪ For provident-related, HQP-PFF-100 Pag-IBIG Fund
101
Servicing Counter, 1.1 Request the Payor
request for Payment to present any of
Order Form (POF), the following per 20 Minutes
and wait for the type of transaction: Accounting
number to be called. ▪ Pag-IBIG Fund Support
Loyalty Card Cash
Plus Management
▪ Latest PFOR None Division-
▪ MSBS/MHBS Treasury
Department
1.2 Generate and issue (CMD-TD)
POF to Payor.
2. Receive the POF 2. Advise the Payor to

from Accounting proceed to payment
Support. counter and present 5 Minutes
the POF/other
supporting
documents, as
applicable, for
Remittance/
payment.
102
Cashier. POF, access the
system and encode
the POF Number/
Borrower’s Name. None 5 Minutes

reflected in the
system are
matched with POF.

other amounts due Payor. amount
to the Fund and due per Cashier
CMD-TD
Cash/Check transac-
received is matched tion
with the amount
being paid. 20
Minutes
4.2 Generate and sign
Pag-IBIG Fund
Official Receipt
(PFOR, HQP-TMF-
015).
4.3 Issue PFOR to

Payor.
Depends
on the
amount
TOTAL: due per 25 Minutes
type of
transac-
tion
Notes:
103
4. Release of Check to Suppliers
This service pertains to the releasing of Check to Suppliers of Pag-IBIG Fund thru over-the-
counter (OTC).
This service shall start from the receipt of supporting documents from the supplier/authorized
representative up to release of Check to supplier/authorized representative thru over-the-
counter (OTC).
Office or Division: Cash Management Division – Treasury Department (CMD-TD)

Who may avail: Suppliers of Pag-IBIG Fund
For amount more than P50, 0000.00
▪ Authorization Letter (original)
▪ Valid ID (original/photocopy)
▪ Official Receipt (original) Supplier/Authorized Representative
For amount less than P50, 000.00
▪ Valid ID (original/photocopy)
▪ Official Receipt (original)
1. On scheduled date 1. Receive the
of release of Check documentary
or upon receipt of requirements from
advice from Pag-IBG supplier/authorized
Fund regarding on representative.
the availability of
Treasury
Check, proceed to 1.1 Establish identity of Analyst II
Check releasing the claimant based Cash
None 30 Minutes
counter. on the presented Management
1.1 Present the valid ID and/or Division-
following documents authorization letter. Treasury
per amount: Department
For amount more 1.2 Release Check to (CMD-TD)
than P50, 000.00 supplier/authorized
▪ Authorization representative.
Letter
▪ Valid ID
For amount less than
P50, 000.00
▪ Valid ID
104
2. Receive Check and 2. Advise the supplier/
issue an Official authorized
Receipt to Treasury representative to
Analyst II. acknowledge receipt
of Check by indicating Treasury
2.1 Indicate the name the name and affixing Analyst II
and affix signature the signature in the None 30 Minutes Cash
Management
in the logbook to logbook.
Division-
acknowledge Treasury
receipt of Check 2.1 Receive Official Department
from Pag-IBIG Receipt from (CMD-TD)
Fund. supplier/authorized
representative.
TOTAL: None 1 Hour
105
5. Release of Home Financing Documents to Borrower/Buyer/Authorized
Representative/Developer
A certificate of title is an issued document that identifies the owner of personal or real property.
A certificate of title provides documentary evidence of the right of ownership mainly for real
estate. This process releases the following documents to borrower/buyer/authorized
representative:
▪ Transfer of Certificate of Title (TCT)/Condominium Certificate of Title (CCT)

▪ Certificate of Full Payment
And additional documents which shall not be limited to the following:
▪ For REM Accounts, Release of Real Estate Mortgage (RREM)

▪ For CTS, Cancellation of Deed of Assignment (CODA)
▪ Deed of Release of Assignment (DORA)
▪ Contract-to-Sell
▪ Absolute Deed of Assignment/ Deed of Assignment
▪ Deed of Absolute Sale (DOAS)
This service shall start from the receipt of Queue Number up to release of Home Financing
Documents to borrower/buyer/authorized representative/developer.
Office or Division: ▪ Member Services II – Member Services Officer – Branch

▪ Securities and Mortgage Custodianship Division – Treasury
Department (SMCD-TD)
▪ Cash and Administrative Services Division - Technical and Admin.
Support (CASD-TAS)
Who may avail: ▪ Borrower who have fully paid his/her housing loan account
▪ Developer
Note: In all instances wherein photocopies are
submitted, the original documents shall be
CLAIMANT IS THE REGISTERED OWNER

1. Two (2) valid IDs with signature and photo Employer, DFA, LTO, PRC, SSS, GSIS,
Note: The following are the valid IDs PhilHealth, NBI, Post Office, Local Police
Acceptable to the Fund: Station, Barangay, OWWA, GOCC, IBP,
Primary IDs DSWD, NCWPD, LGU, POEA, MARINA,
▪ Company ID COMELEC
▪ Passport, issued by Philippine or
Foreign Government
▪ Driver’s License
▪ Professional Regulation
Commission (PRC) ID
▪ Social Security System (SSS) Card
106
▪ Government Service Insurance
System (GSIS) e-Card
▪ Government Office and GOCC ID
(e.g., AFP ID, Pag-IBIG Loyalty
Card)
▪ 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
Other Acceptable IDs
▪ Philhealth Card
▪ National Bureau of Investigation
(NBI) Clearance
▪ Police Clearance
▪ Alien Certification of
Registration/Immigrant Certificate
of Registration
▪ Barangay Certification
▪ National Council for the Welfare of
Disable Persons (NCWPD)
Certification
▪ Department of Social Welfare and
2. Marriage Contract (for female registered Philippine Statistics Authority (PSA)

owner who is single at the time of housing
application but is now married)
CLAIMANT IS A REPRESENTATIVE
1. Special Power of Attorney (SPA) executed by Person being represented
the registered owner
▪ If registered owner is an OFW or already Philippine Embassy or Consulate where the

residing outside the country – duly registered owner is staying
notarized prior to date of departure or duly
certified and authenticated by the
Philippine Embassy or Consulate in the
country where the registered owner is
staying, if abroad
107
▪ If registered owner is physically Attending Physician
incapacitated – evidence by a medical
certificate
each of the registered owner and the PhilHealth, NBI, Post Office, Local Police
representative Station, Barangay, OWWA, GOCC, IBP,
DSWD, NCWPD, LGU, POEA, MARINA,
COMELEC
CLAIMANT IS/ARE HEIR/S OF DECEASED

REGISTERED OWNER
1. Original copy of the following:
▪ PSA Borrower’s Death Certificate
▪ PSA Birth Certificate/s of the heir/s of
deceased registered owner
▪ PSA Birth Certificate/s of siblings, if
deceased registered owner is single and Philippine Statistics Authority (PSA)
parents are deceased
▪ Certificate of No Marriage
(CENOMAR)/Advisory on Marriage (for
Married) and PSA Marriage Contract of
Parents, for single registered owner
▪ PSA Certified True Copy of Marriage
Contract, for married registered owner
2. Notarized Affidavit of Guardianship, for heir/s Pag-IBIG website (www.pagibigfund.gov.ph)

18 years old and below, or
physically/mentally incompetent, as
applicable
3. Notarized Proof of Surviving Heir/s
4. SPA executed by the heir/s or deceased
registered owner
5. Deed of Partition/Last Will and Testament,
Final Decision on Intestate/Estate
Proceedings of deceased registered owner,
as applicable
each of the registered owner and heir/s PhilHealth, NBI, Post Office, Local Police
Station, Barangay, OWWA, GOCC, IBP,
CLAIMANT IS ASSIGNEE/SUCCESSOR-IN- DSWD, NCWPD, LGU, POEA, MARINA,
INTEREST PURSUANT TO ARTICLE II SECTION 1 COMELEC
OF THE LOAN AND MORTGAGE AGREEMENT
(LMA)
1. Comply item no. 1 to 6 above, as applicable
108
2. Deed of Sale/Assignment executed by the
deceased registered owner in favor of the
claimant
3. SPA executed by the surviving spouse and
other heir/s of the deceased registered
owner
CLAIMANT IS DEVELOPER (FOR BUYBACK

ACCOUNTS)
(representative and corporate secretary) PhilHealth, NBI, Post Office, Local Police
Station, Barangay, OWWA, GOCC, IBP,
DSWD, NCWPD, LGU, POEA, MARINA,
COMELEC
2. Secretary Certificate Corporate Secretary from the concerned
Developer
3. Authorization Letter Developer
1. On scheduled date 1. Assist the None 15 Minutes Detailed Security
of release, proceed borrower/developer Guard (for the
to Queuing in securing a queue logbook)
Machine, secure a number.
queue number,
indicate name in the
log sheet and wait
for the queue
number to be
called.
109
2. Present Home 2. Upon receipt of
Financing Home Financing
Document Claim Documents Claim
Stub (HQP-HLF- Stub and proof of Cashier
(Disbursement)
115, as applicable), acceptable
Branch Support-
documentary identification, check Branch
requirements per details of Claim
category of Stub. Documents/
claimant, and proof None 30 Minutes
Securities
of acceptable 2.1 Verify information Analyst III
identification from the borrower/ SMCD-Treasury
(original and buyer/authorized Department
photocopy) representative with
the identity Securities
information Custodian
CASD-TAS
presented.
3. Receive Home 3. Pull-out Primary

Financing Folder/Home
Documents from Financing
Cashier Documents from
(Disbursement) or vault. Cashier
(Disbursement)
Documents/ Branch Support-
Securities Analyst 3.1 Release Home Branch
III/Senior Financing 30 Minutes
Documents/ Documents to (for Documents/
Securities borrower/buyer/ borrower) Securities Analyst
Specialist or authorized III/ Senior
Securities representative None 1 Hour (for Documents/
Custodian. developer Securities
3.2 Request the with an Specialist
average of SMCD-TD
borrower/buyer/
authorized 20 accounts)
Securities
representative to Custodian
sign on “Received 2 Hours (for CASD-TAS
by” portion of developer
Request for beyond 20
Release of Home accounts)
Financing
Documents.
110
4. Affix signature on 4. Sign the “Released
the logbook and by” portion of the
sign the “Received following:
by” portion of the ▪ Home Financing
following: Documents
Release Form
▪ Home Financing ▪ Acknowledge- 30 Minutes
Documents ment Receipt None (for
Release Form ▪ Logbook borrower)
(HQP-TMF-050)
▪ Acknowledgeme 4.1 Explain succeeding 1 Hour (for
nt Receipt processes after developer)
(HQP-TMF-186) receipt of Home
Financing
Documents.
TOTAL:
For Borrower/Buyer/Authorized 1 Hour, 45
Representative None Minutes
3 Hours, 45
For Developer
Minutes
Note: The average of 2 Hours was considered
under process step 3 (for developer
beyond 20 accounts) to come up with the
total of 3 Hours, 45 Minutes processing
time.
111
▪ Forms
▪ Letters
Directory)
▪ Emails
action.
112



Feedback Form.

accomplished
following:
opening
• Commendation/s
• Suggestion/s
• Comment/s
• Complaint/s

shall:

HQP-PRF- 008).
NOTES:

113



shall:

• Area Head
feedback report.

safekeeping.

114
▪ Forms
▪ Letters
Directory)
▪ Emails
action.

115
processed

a. Personnel
b. Service Quality
d. Facilities
NOTES:
• Suggestion Box
• 8888

following:
and existence.
contact number.
processes.




116

(HQM-004).
NOTES:
necessary.
001 ).

PCLS.
2.3 Sign the PCLS.

• PCLS
• Issued CAR

2.6. Sign the PCLS.
Controller:
• PCLS
• Issued CAR
117




complaints.

concerned heads.
Contact Information
Telephone No.: 8-736-8645; 8-736-8603

SMS No. : 0908-8816565

118
OFFICES ADDRESS
EAST AREA
Antipolo Branch
PIOG-POEA Branch
Mandaluyong City
Quezon City
NORTH AREA
Quezon City
Cubao Branch
Caloocan City
Marikina Branch
Valenzuela Branch
119
OFFICES ADDRESS
Quezon City
Quezon City
WEST AREA
Intramuros, Manila
Pasay Branch
Sta. Mesa Branch
(Las Piñas Branch)
Las Piñas City
West Makati City
120
OFFICES ADDRESS
SOUTH AREA
Makati City
Laguna
Avenue, Makati City
Taguig City
SM Aura Branch
Avenue, Makati City
Ave., Makati City
CAVITE BRANCHES
Dasmariñas Branch
Rosario Branch
121
OFFICES ADDRESS
La Union HBC
Tuguegarao HBC
City, Cagayan
San Fernando Hub
Calamba Hub
Naga HBC
LUZON BRANCHES
ILOCOS REGION
La Union Branch
Norte
Vigan Branch
Dagupan Branch
Urdaneta Branch
Baguio Branch
Alaminos
122
OFFICES ADDRESS
Tuguegarao Branch
Cauayan Branch
Aparri
Tuguegarao
San Fernando Branch
Angeles City Branch
Tarlac Branch
Subic Bay Branch
Balanga Branch
123
OFFICES ADDRESS
Robinsons Starmills
Tarlac City
Malolos Branch
Baliuag Branch
Baliuag Bulacan
Meycauayan Branch
Cabanatuan Branch
Malolos Branch
Baler
Aurora
Bulacan
Nueva Ecija
Lucena Branch
Lipa Branch
Lipa City, Batangas
124
OFFICES ADDRESS
2nd
floor ATDRMAM Building, Kumintang Ibaba,
Batangas Branch
Calamba Branch
San Pablo Branch
San Pablo City
Calapan Branch
Boac
Odiongan
Laguna
Calapan
125
OFFICES ADDRESS
Legazpi Branch
City
Virac
Catanduanes
Sorsogon
Sorsogon City
Daet
Goa
Bacolod HBC
Cagayan de Oro HBC
Zamboanga HBC
Davao Hub
Dumaguete Branch
Talisay Branch
126
OFFICES ADDRESS
5th Floor Gaisano Capital South, Colon St.
Toledo City,Cebu
Carcar
SM Cebu City
Area, Cebu City
Mandaue City, Cebu
Tagbilaran Branch
Mactan Branch
Lapulapu City, Cebu
Danao Branch
Tacloban Branch
Ormoc Branch
Ormoc City
Calbayog Branch
Bogo
Bogo City, Cebu
Sogod
Southern Leyte
SM City Consolacion
Tacloban
127
OFFICES ADDRESS
Kalibo Branch
Kalibo, Aklan
Molo, Iloilo City
Bacolod Branch
Kabankalan Branch
Occidental
St., Iloilo City
Robinsons Bacolod
(CDO West Branch)
Malaybalay Branch
Butuan Branch
Agusan del Sur
Surigao Branch
Iligan Branch
128
OFFICES ADDRESS
Gingoog
Misamis Oriental
Cagayan de Oro City
Bukidnon
Tandag
Tubod
Lanao del Norte
Cagayan De Oro City
Marawi
Cagayan De Oro
Butuan City
Zamboanga Del Sur
Dipolog Branch
Dipolg City
Pagadian Branch
129
OFFICES ADDRESS
Misamis Occindental
KCC Mall
Zamboanga City
Zamboanga
Zamboanga City
Davao Del Sur
Tagum Branch
Davao Del Norte
Mati
Davao Oriental
Davao
Bajada, Davao City
General Santos City
Polomolok Branch
130
OFFICES ADDRESS
Koronadal Branch
Kidapawan Branch
Kidapawan City
Cotabato Branch
KCC Veranza Mall
General Santos City
General Santos City
Koronadal City
OVERSEAS POST
ASIA
Hong Kong SAR
Lumpur, Malaysia
Singapore
Taiwan
Taipei City, Taiwan
131
OFFICES ADDRESS
EUROPE
Greece
Milan, Italy
Rome, Italy
MIDDLE EAST
UAE
Bahrain
Jeddah 21412
Kuwait
Qatar
Qatar
NORTH AMERICA
New York, USA
New York 10036 USA
132

Citizens Charter 2020 - Edition 2.1

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Citizens Charter 2020 - Edition 2.1

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Pag-IBIG Fund

In compliance with the provisions of R.A. 11032, otherwise known as the

IV. Service Pledge

To sustain quality service, we shall:

• Maintain a productive work environment that promotes employees’ expertise, engagement,

• Uphold transparency and accountability.

“Lingkod Pag-IBIG: Tapat na Serbisyo, Mula sa Puso”

• Application for Provident Benefits Claim 5

▪ Member Services II - Frontline Servicing - Pag-IBIG Fund Branch

 Membership Maturity – shall be based on 20 years of membership with the Fund

CHECKLIST OF REQUIREMENTS WHERE TO SECURE

3. Order of Retirement (For Members under AFP, PNP, BJMP, BFP

4. Statement of Services (For Member of AFP) AFP

5. Service Record (For Members under PNP, PNP, BJMP, BFP

3. Physician’s Certificate/Statement (With Medical Clinic/Hospital

Critical illness of the member or any of his

3. Marriage Certificate issued by Philippine PSA or LCRO

4. Birth Certificate issued by PSA or Baptismal PSA

5. Non-availability of Birth Record issued by PSA

6. Physician’s Certificate/Statement (With Medical Clinic/Hospital

Termination from Service by Reason of

3. Physician’s Certificate/Statement (With Medical Clinic/Hospital

Death Claim - Married with Children

3. Death Certificate of Member issued by PSA PSA or LCRO

5. Marriage Certificate issued by PSA or LCRO PSA or LCRO

6. Birth Certificate issued by PSA or Baptismal PSA or LCRO

7. Affidavit of Guardianship (HQP-PFF-028) (if Pag-IBIG Fund Branch or Pag-IBIG Website

8. To establish kinship with the deceased

 Birth Certificate issued by PSA or PSA

Death Claim - Married (without Child/Children

3. Death Certificate of Member issued by PSA PSA or LCRO

6. To establish kinship with the deceased

 Birth Certificate issued by PSA or PSA of LCRO

Death Claim - Single with Child/Children

3. Death Certificate of Member issued by PSA PSA or LCRO

4. Proof of Surviving Legal Heirs Pag-IBIG Fund Branch or Pag-IBIG Website

5. Certificate of No Marriage issued by PSA (if PSA

6. Birth Certificate issued by PSA or Baptismal PSA or LCRO

7. Affidavit of Guardianship (HQP-PFF-028) (If Pag-IBIG Fund Branch or Pag-IBIG Website

8. To establish kinship with the deceased

 Birth Certificate issued by PSA or PSA or LCRO

Death Claim - Single (Without Child/Children)

3. Death Certificate of Member issued by PSA PSA or LCRO

4. Proof of Surviving Legal Heirs (HQP-PFF-030) PSA or LCRO

5. Certificate of No Marriage issued by PSA (If PSA

6. To establish kinship with the deceased

 Birth Certificate issued by PSA or PSA

Permanent Departure from the Country

3. Passport with Immigrant Visa/Residence DFA

2. Passport (1 Photocopy) Issuing Country

3. Alien Employment Permit (AEP) issued by DOLE

2. Authorization Letter Member/Claimant

2. Authorization Letter (1 Original) Member/Claimant

4. Order of Retirement (For Members under AFP, PNP, BJMP, BFP

5. Statement of Service (For Members under AFP

Permanent Total Disability (PTD) or Insanity

2. Authorization Letter (1 Original) Member/Claimant

4. Physician’s Certificate/Statement (With Medical Clinic/Hospital

Critical illness of the member or any of his

2. Authorization Letter (1 Original) Member/Claimant

4. Marriage Certificate issued by Philippine PSA

5. Birth Certificate issued by PSA or Baptismal PSA

6. Non-availability of Birth Record issued by PSA