more popularly known as the Pag-IBIG Fund. Recognizing HDMF’s contributions and the need to further strengthen its capability as the biggest source of housing finance in the country to date. and the Maximum Fund Salary was raised from P3. 538 was issued on 4 June 1979. 35.000. the Fund’s rule-making power was vested in its own Board of Trustees. Pag-IBIG membership reverted to mandatory on 17 June 1994 when President Fidel V. Membership was still on a mandatory basis but under more liberal terms. merging the funds for private and government personnel into what is now known as the Pag-IBIG Fund. 90. However. Months after former President Corazon C. Ramos signed Republic Act 7742. including Filipinos employed by foreign-based employers. 9679 or the Home Development Mutual Fund Law of 2009 on 21 July 2009. More than a decade after RA 7742 was implemented. it was only on 14 December 1980 when Pag-IBIG was made independent from the NHMFC with the signing of PD 1752. The Fund was established on 11 June 1978 by virtue of Presidential Decree No. Executive Order No. was an answer to the need for a national savings program and an affordable shelter financing for the Filipino worker. PD 1752 made Pag-IBIG membership mandatory for all SSS and GSIS member-employees. Bangko. while the Government Service Insurance System (GSIS) shall administer the funds of government employees. Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw. Less than a year after on 1 March 1979. and addressed the immediate financial as well as housing needs of its members. The new law became effective on 1 January 1995. Industriya at Gobyerno. Seeing the need to further strengthen the stability and viability of the two funds. 1530 primarily to address these two basic yet equally important needs. Aquino assumed leadership of the country. 1 January 1987 marked the return of the Pag-IBIG Fund to a voluntary program under Executive Order No. 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. On 1 August 1986. With the improved law in effect. Executive Order No.CREATION OF Pag-IBIG Fund The birth of Home Development Mutual Fund (HDMF). 527 was signed. It was during the years as a voluntary fund that Pag-IBIG introduced innovative benefit programs that heeded the calls for expansion of membership. Pag-IBIG contributions were suspended from May to July 1986.000 to P5. which was one of the operating agencies of the then Ministry of Human Settlements. Now more than ever. Likewise. The employee and employer contribution rates were reduced. the Pag-IBIG Fund continues to be a strong partner in realizing Filipino workers’ dreams. To this day. former President Aquino directed the resumption of Pag-IBIG membership under Executive Order No. President Gloria Macapagal-Arroyo signed into law Republic Act No. and making Pag-IBIG membership mandatory for all. Under the said law. which is recognized as the HDMF Charter. Filipino workers will enjoy the benefits that are available only to Pag-IBIG members. the Social Security System (SSS) shall administer the funds of private employees. After eight years as a voluntary fund. 2 . The order directed transferring the administration of the Fund to the National Home Mortgage Finance Corporation (NHMFC).

2. MISSION To uplift the quality of life of the members through savings.VISION To be the premier and globally competitive provident financial institution. To motivate the employed and other earning groups to save. GOALS 1. with contributory support of the employers. To provide affordable housing finance to the Fund’s members to enable them to meet their housing needs. through an integrated nationwide provident savings system. 3 .

the Bureau of Jail Management and Penology.MEMBERSHIP Who are eligible to apply for membership? Membership with the Fund may either be: 1. or provisional who is not over sixty (60) years old. nature and duration of employment.00 a month and not over sixty (60) years old. In the absence of an explicit exemption from SSS coverage. An expatriate shall refer to a citizen of another country who is living and working in the Philippines.  A Filipino seafarer upon the signing of the standard contract of employment between the seafarer and the manning agency. upon assumption of office. whether permanent. Mandatory  All employees who are or ought to be covered by the Social Security System (SSS). A household helper is any person who renders domestic services exclusively to a household such as a driver. and the Philippine National Police. acts as the employer.  Uniformed members of the Armed Forces of the Philippines. and the manner by which the compensation is paid. 4 .000. provided that actual membership in the SSS shall not be a condition precedent to the mandatory coverage in the Fund.  An expatriate who is not more than sixty (60) years old and is compulsorily covered by the Social Security System (SSS).00 a month. regardless of their status of appointment. gardener. the Bureau of Fire Protection.  A self-employed person regardless of trade. shall be covered by the Fund. regardless of citizenship. temporary. which together with the foreign ship owner. It shall include. including members of the judiciary and constitutional commissions. business or occupation. the said expatriate. but are not limited to:  A private employee. governess.  A household helper earning at least P1. cook.000. with an income of at least P1.  All employees who are subject to mandatory coverage by the Government Service Insurance System (GSIS). and other similar occupations.

However. Chairmen of the Barangay Sangguniang Kabataan. or ceased to be selfemployed but would like to continue paying his/her personal contribution. provided the employed spouse is a registered Pag-IBIG member and consents to the Fund membership of the non-working spouse.  Employees of an employer who is granted a waiver or suspension of coverage by the Fund under RA 9679. 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. Filipinos employed by foreign-based employers. whether they are deployed here or abroad or a combination thereof. Such member may be a pensioner. The following shall be allowed to apply for voluntary membership:  Non-working spouses who devote full time to managing the household and family affairs.  Such other earning individuals/groups as may be determined by the Board by rules and regulations. in the absence of an administrative agreement with the Fund. or their wholly-owned instrumentality based in the Philippines. Voluntary An individual at least 18 years old but not more than 65 years old may register with the Fund under voluntary membership.  Leaders and members of religious groups. Barangay Council Members.  A member separated from employment. or any other individual with passive income or allowances. 5 . including Barangay Chairmen. and Barangay Secretaries and Treasurers.  Filipino employees of foreign government or international organization. local or abroad. unless they also engage in another vocation or employment which is subject to mandatory coverage. 2. they shall be subject to the eligibility requirements in the event of availment of loans and other programs/benefits offered by the Fund. investor.  Public officials or employees who are not covered by the GSIS such as Barangay Officials.

0% Employer (if any) 2. except for non-working spouses of Pag-IBIG members. to recover from the employee the employer's contribution. The employer is not entitled to deduct from the wages or remuneration of or. 6 .0% Monthly Compensation A Filipino employee working abroad and whose employer is not subject to mandatory coverage shall contribute an amount equivalent to 2% of his/her monthly compensation. A non-working spouse of a Pag-IBIG member shall contribute as follows: Fifty Percent (50%) of Working Spouse’s Monthly Compensation P1.00 and below Over P1.0% 2.500 and below Over P1.500. The maximum monthly compensation to be used in computing the employee and employer contributions shall not be more than five thousand pesos (P5. a member may contribute more than what is prescribed.00).500. Said employee may opt to pay the employer counterpart.0% Notwithstanding the said contribution rates.0% 2.When does membership with the Fund begin? Membership with the Fund becomes official only upon remittance of the first monthly membership contribution.000. shall be as follows: Contribution Rate Employee P1. membership begins only upon the said date as evidenced by the Pag-IBIG Fund Receipt.00 1. Thus. Employer shall remit two percent (2%) of the monthly compensation of the contributing member as counterpart contribution. otherwise. How much should a member contribute? The contribution rate of all members.500 Contribution Rate 1.0% 2.

They shall remit in accordance with the rates herein prescribed. Permanent Total Disability or Insanity. Their employers shall have the responsibility to remit said contributions to the Fund on a monthly basis. their contributions for Pag-IBIG I shall take precedence over those for POP. remittance must be made on or before the 10 day of the first month of the following quarter. What happens to the membership of POP members? Pag-IBIG Overseas Program (POP) members shall now be mandatorily-covered under Pag-IBIG I. contributions shall be th remitted on or before the 10 day of the following calendar month. Retirement. Other members may pay directly to the Fund or through any of its authorized collecting agents. Termination from the service by reason of health. They may also opt to continue contributing for their POP membership. Permanent departure from the country. 7 . However. For how long does one remain a Pag-IBIG I member? Membership with the Fund shall be for a term of twenty (20) years with a total of 240 monthly membership contributions or upon the occurrence of any of the following grounds for membership termination:        Membership Term Maturity. in such cases. For those who want to contribute on a monthly basis.How will contributions be remitted to the Fund? Formally employed members shall contribute through salary deduction. For quarterly th payments. Death. and Other causes as may be provided for by the Board of Trustees.

gov. (No Lunch Break) Processing Time: 40-45 minutes Processing Fee: None Requirement: One (1) valid ID (refer to page 11) Procedure 1. STEP 2 10 Minutes  Proceed to the nearest Pag-IBIG NCR/Regional Branch or any extension/service office/field service center. END OF TRANSACTION 8 .  Print system-generated MDF reflecting Registration Tracking Number (RTN).  Accomplish and submit on-line membership registration form. REGISTER VIA INTERNET Person Responsible STEP 1  Log on to Pag-IBIG Fund website at www.m.m. .ph.MEMBERSHIP REGISTRATION (Simple Transaction) Schedule of Receipt of Application Monday to Friday.  Present system-generated MDF and pay Membership Contribution (MC).5:00 p.pagibigfund. 8:00 a.

9 Members Services Officer (MSO) III . REGISTER AT THE BRANCH  Go to the nearest Pag-IBIG NCR/Regional Branch or any extension/service office/field service center.  Inquire on how to register. Person Responsible STEP 1 STEP 2 5 Minutes STEP 3 For branches with On-line Membership Registration System (You will be assisted by an MSO III )  Go to the designated computer. If not. proceed to step 3.  Present one (1) valid ID for verification purposes.  Secure Member’s Data Form (MDF. proceed to the information counter.  For NCR/Regional Branch. For branches and extension/service office/field service center where on-line membership registration system is not available. For extension/service office/field service center.  Accomplish MDF.2. 2 copies). end of transaction.  Submit duly accomplished MDF (2 copies).  Accomplish and submit on-line membership registration form. proceed to the Marketing and Enforcement Division servicing counter. Note: If verified as registered and membership record is updated.

 Present MDF and Contribution (MC). pay Membership END OF TRANSACTION 10 . On-line Membership Members Services Officer (MSO) III  Get system-generated MDF reflecting Registration Tracking Number (RTN).STEP 4 10 Minutes For branches with Registration System.  Get acknowledged copy of the MDF (copy 2). pay Membership For branches and extension/service office/field service center where on-line membership registration system is not available.  Present MDF and Contribution (MC).

e. Armed Forces of the Philippines (AFP) ID 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 11 . 14. 5. 7. 9. 12. Company ID Passport.LIST OF VALID IDs ACCEPTABLE TO THE FUND 1. 10. 3. 6. 8. 4. 2. 11. 13.g. issued by the Philippine or Foreign Government Driver’s License Professional Regulation Commission (PRC) ID Social Security System (SSS) Card Government Service Insurance System (GSIS) e-Card Government Office and GOCC ID.

For NCR provident-related concerns. For those in the regions. complaints. please visit the Pag-IBIG Branch maintaining your records. or any concern through any of the following:  Servicing Counters You may visit our servicing counters stationed at NCR/Regional branches.  Letters Letters may be sent to: The Member Relations Department ____________________________ ____________________________ You may also send your letters directly to the concerned Pag-IBIG Branch. These forms are available at various counters of any Pag-IBIG Office. for housing-related concerns.and housing-related concerns to the branch maintaining your records. You may drop the accomplished form/s at designated Suggestion/Complaint Boxes upon your visit. addressed to the Office of the Manager. You may send us your suggestions.gov.  E-mails E-mails may be sent to publicaffairs@pagibigfund. you may visit us at _____________________________________________________. You shall receive a confirmation message that your email has been forwarded to the concerned branch/department for appropriate reply and/or action.ph.  Forms Please accomplish the Customer Service Feedback Form (CSFF) or the Customer Complaint Form (CSF). 12 .HANDLING MEMBER’S SUGGESTION/COMPLAINT To our Valued Members/Customers: Your opinion is of great importance to us. you may raise both your provident. However.

We look forward to bringing you and all our members a more responsive service. Rest assured that we shall carefully evaluate your concerns and shall respond to you immediately. However. 13 . from Monday to Friday between 8:00 am and 5:00 pm. Likewise. you may also reach us at 724-4244 (Pag-IBIG). you may also call the Marketing and Enforcement Division of the concerned branch at telephone numbers indicated under List of Branches. queries that require coordination with other Pag-IBIG offices)  Grave complaints  Pag-IBIG Hotline Queries 10 working days 1 hour Thank you for your continued support to the Fund. Pag-IBIG Hotline For your immediate concerns. we shall give your complaints considerable attention according to the following: Duration 3 working days Nature of Concern  Simple queries (General Information)  Complaints  Complex queries (Policy and loan-related queries.

306 MALOLOS 2nd Floor..8217923/8205743/ 480-8539 loc. Tabang. Quezon City 421-9447 ORTIGAS 611 Westar Bldg. Imperial St. cor. Naga City 054-4723610/4731017 loc. Bulacan 044-7940549 loc.. Dr. Bucag Bldg. 405 & 403/817-2637 DAGUPAN 1st & 3rd Floors Benning Realty Square Arellano St. Calamba City 049-5451278/5451232/ 5451236 local 112 LUCENA G/F & 2/F Lucena Grand Central Terminal Bldg. Caloocan City 367-0717/362-6457 NCR – SOUTH MAKATI I 317 Justine Bldg. Bataan 047-4813593/ 481-3606 loc. CAP Bldg. Legarda Road. Sen. Sen.. Cavite 046-4719013 loc. 15th Avenue Cubao. Abanao Ext. Baler. Nueva Vizcaya 078-3266113 CALOOCAN Puritan Philippines. Batangas City 043-7235939/723-5848/ 723-2082/723-6151 loc. Pasay City 846-0950 MAKATI II 317 Justine Bldg. Roxas Strip Bldg. Tirona St. (PPI) Bldg. Halang. Tuguegarao City. 205/813-2570 LA UNION Pag-IBIG Fund Bldg. P. Aurora 042-722-0000 BATANGAS Caedo Commercial Center National Highway Bo. Pampanga 045-8604490 loc.. 506 CALAPAN Unit 11 Filipiniana Commercial Complex Brgy. North Centrum Bldg. Guiguinto.. Ilayang Dupay. Daet. Gil Puyat Avenue. 88 Del Rosario St. 206 Vigan Extension Office Ground Floor. Lucena City 042-7102869 NORTHERN LUZON SOUTHERN LUZON LEGAZPI Hi-Tone Construction & Development Corp. cor. Cagayan 078-8441448/846-1357 Isabela Extension Office 2nd Floor. San Ramon Highway Dinalupihan.. Legazpi City 052. Provincial Road. Bldg. Shaw Blvd. San Fernando City La Union 072-2425588 to 89 loc. Calicanto. Faustino L. 108 TUGUEGARAO Ong Chong Bldg. Burgos Ave. 80 SAN FERNANDO Suburbia Commercial Center Maimpis. Tarlac City 045-6286025/628-6026 DINALUPIHAN NEJ Bldg. B. Gil Puyat Avenue Makati City 812-4731 loc. Arnaiz St. Masbate City 056-3333678 NAGA Annelle Building Tabuco. Puerto Princesa City. Manila 527-6729 MAKATI III 317 Justine Bldg. Samonte St. Dagupan City.. Government Center. Rizal Avenue. Makati City 812-4731 loc. Roxas Blvd. Gil Puyat Avenue Makati City 812-4731 loc. 303 & 305 PASAY 1st & 2nd Floor. Solano. Niño Calapan City.. Mabini St. cor. Inc. Brgy. 355 EDSA corner Gen. 108 Masbate Extension Office Espinosa Apartment Mabini St. San Jose Antipolo City 696-6052 NCR – WEST IMUS Olma Bldg..634-5156/ 652-2883 Nueva Vizcaya Extension Office BAJ Bldg. Cabanatuan City 044-6001225/463-1692 Baler Service Desk Baler Municipal Building Poblacion. Vigan City 072-6321118 Ilocos Norte Extension Office WC Bldg. Bitano.Sevilla. Brgy. Brgy. 207/690-3755 Cabanatuan Extension Office 2nd Floor DBP Building Burgos Avenue. Sto. Camarines Norte 054-4401640 14 . City of San Fernando. Sen. Florentino St. Oriental Mindoro 043-2867455/2881597 Puerto Princesa Extension Office Lustre Building. Quezon City 426-9528 CUBAO G/F & 3/F Union Square Condominium 145. Palawan 048-4335024/4334522 MANILA Park n Ride Bldg. Pangasinan 075-5223865/3266 loc. 316/322 Daet Field Service Center Rafer Bldg. Cauayan City Isabela 078. cor. Emilio Aguinaldo Highway Imus. 113 / 045-8612684 Tarlac Extension Office Benin Bldg. Iraya.LIST OF Pag-IBIG BRANCHES NCR – NORTH KAMIAS 795 Anchor Center. Dy & Canciller Sts. Magallanes. EDSA. Zamora Street San Roque. Laoag City 077-7704699/7705216 BAGUIO G/F Insular Life Bldg. Pasig City 633-9514 ANTIPOLO Budget Lane Shopping Center. #10 D. Basa Street Ermita. Baguio City 074-6191330/2710 local 104 CALAMBA High Rise Business Center National Highway.

Tubod Highway. Francis Center. Benigno Aquino Avenue.ph. Mindanao Avenue. In such cases.. San Jose Road Baliwasan. Bajada 8000. 7 ILIGAN Ground Floor and 2nd Floor. Singcang Bacolod City 034-4351137 to 40 loc. Cotabato City 064-4213120/4213332 Disclaimer The provisions in this Charter may be revised or modified in accordance with new as well as amended guidelines and procedures any time without prior notice to the members. Zamboanga City 062-9910092 Dipolog Extension Office 3rd Floor Ello Building. the updated versions of the Citizen’s Charter may be accessed through the Pag-IBIG Fund website at www.. RDRDC Building. Dipolog City 065-9081178/2124542 PAGADIAN 2nd Floor DBP Building. Ormoc City 053-2555089 NORTHERN MINDANAO ZAMBOANGA CITY Pag-IBIG Fund Bldg.. corner Arellano and Echavez Sts. Tagum City 084-2187261/218-7652 GENERAL SANTOS CITY 2nd and 3rd Floors. Superdome San Pedro Street. Legaspi St. Malaybalay City.1300 & 1301/ 032-2342792/415-5003 Dumaguete Extension Office Philippine National Red Cross Bldg. Lopez Jaena St. Arellano St. (EDUHOME ENT. Araneta St. Dumaguete City 035-4228199/2257713 MANDAUE A. 15 .. Del Pilar Ext. Kidapawan City 064-5210254 Cotabato Extension Office 6th Floor. 207/083-5545468 Koronadal Extension Office 2nd Level Fitmart Mall of Marvel National Highway.R.. 106 & 117 TACLOBAN Pag-IBIG Fund Bldg. Iligan City 063-2213378 BUTUAN ARUJ Building. Lorna Laurente Bldg. La Cerna St. Cebu 032-4226000 loc. C. Calo Street Extension.) Rizal St. Rizal Avenue. Don Rufino Alonzo St. IV. Molo Iloilo City 033-3381032 Kalibo Service Center 3rd Floor Garcia Bldg.. Tagbilaran City 038-4125977/5018455 BACOLOD St. Mckinley Street Roxas City 036-6214165 CEBU CITY Pag-IBIG Fund WT Corporate Tower.S. Fortuna Street Mandaue City. Kalibo. Quezon Blvd. Cagayan de Oro City 08822-714616/8561862 Malaybalay Extension Office Tubeo Bldg.. Borja-Mortola St.. General Santos City 083-5527632/5523566 loc. Davao City 082-2275827/222-8055 TAGUM Ramos Bldg. Tacloban City 053. J.pagibigfund.Surigao City 086-8266212 CAGAYAN DE ORO Pag-IBIG Fund Building. 1201 to 1203 Tagbilaran Extension Office Maria Clara St. Balangasan District Pagadian City 062-2141695/215-2716/ 2144959 loc.. Butuan City 085-3423183/225-2341 loc. 2nd Floor. 19 085-3455409 Surigao Extension Office Ground Floor. Bukidnon 088-2214155 SOUTHERN MINDANAO DAVAO CITY Pryce Tower Condominium Pryce Business Park. Cotabato Yu Ekey Marketing Bldg. Cebu City 032-4155003/416-3933/415-5009 loc. Damasco St. Cebu Business Park. Koronadal City 083-2288125 KIDAPAWAN 3rd Floor Eva’s Mall Bldg.. Emmanuel Business Center..gov. cor.3214390 Ormoc Service Center Rm 208. Santiago Boulevard.VISAYAS ILOILO CITY F & E Bldg. T. Gonzales-Gimeno Bldg. Aklan 036-2689335 Capiz Extension Office Acevedo Building.

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