How To Apply For A Pag-IBIG Calamity Loan Online

3 min. read By eCompareMo on

Since the Philippines has been placed under a State of Calamity due to the 2019 novel coronavirus disease, or COVID-19, a number of Filipinos have been faced with a financial ordeal. Thanks to the HDMF for launching the Pag-IBIG Calamity Loan online application, which is convenient in times of the Enhanced Community Quarantine (ECQ), they get an additional source of fund.

Here, we give you the most updated information about this loan offer from Pag-IBIG.

What is this Calamity Loan offer about?

Pag-IBIG Calamity Loan is offered to all its eligible members, whether from the private or public sector, who are in disaster-stricken areas. The calamity may be a man-made hazard (such as war, rebellion, or arson) or a natural disaster (such as massive flooding, typhoon, or earthquakes).

Concerning the current situation, President Rodrigo Duterte declared the State of Calamity on March 17, 2020 (which may last for up to six months to contain COVID-19). This opens the opportunity for every member to apply for the loan, which can be filed within 90 days.

Who can file a Multi-Purpose Loan (MPL) or Calamity Loan (CL) application?

Members can avail of the Pag-IBIG loan if they meet the following criteria:

  • An active member
  • A resident, and employee, or owner of properties in the area under the calamity
  • With contributions for a minimum of 24 months
  • With contributions worth of 5 months before the loan application
  • Those with an existing loan from Pag-IBIG (housing loan) can still apply for the calamity loan if the existing loan is not in default

What are the documents required to apply for a Calamity Loan?

The documentary requirements are traditionally in print, but because of the stay-at-home health practice, these papers have to be sent electronically.

These are the documents needed for your PAG-Ibig calamity loan application online:

1. Fillable Loan Form

For loan applicants:

For your company HR, Fund Coordinator, or authorized representative ONLY:

  • Employer Confirmation of STL Application, download this form.

2. One (1) government-issued ID, scanned

3. Front and back images of your cash card

Your cash card can be any of the following:

  • Loyalty Card Plus
  • Landbank cash card
  • DBP cash card
  • UCPB cash card

(Read: How To Apply For A Pag-IBIG Loyalty Card)

Step-by-step process to apply for Pag-IBIG calamity loan online

Here are the steps to file for a loan application with Pag-IBIG:

1. Download the Fillable Loan Forms.

2. These forms must be filled out electronically by using an Acrobat Reader. If you can’t download the Acrobat Reader, you can print out the form and accomplish it manually.

3. There’s no need to attach the signature, but then you should save/scan in PDF format.

4. Send the PDF File of the loan forms, scanned valid ID, and scanned/images of your cash card to your authorized representative (Fund coordinator or company HR) via email.

5. Then your company HR or Fund Coordinator will forward your email (loan form, ID, cash card) and an Employer Confirmation of STL Application to the following Pag IBIG email address assigned for your area.

How much can you borrow from Pag-IBIG?

Here are the details of how much you can loan and the applicable interest rate with Pag-IBIG:

  • Loanable amount: Up to 80% of the member’s total regular savings
  • Interest rate: 5.95% annually
  • Repayment term: 24 months
  • Start of payment: 3rd month after the proceeds are disbursed
  • Grace period: 3 months

How many days is the processing of the calamity loan?

Pag-IBIG Fund targets to process the MPL and CL within three to seven business days.

List of email addresses to send your Pag-IBIG calamity loan application to

These are the email addresses designated to areas (based on work/office address) where your authorized representative can submit their calamity loan application digitally:

NCRNorth@pagibigfund.gov.ph

  • Antipolo
  • Caloocan – Edsa
  • Commonwealth Avenue
  • Cubao, Marikina
  • GMA Kamuning
  • Mandaluyong – Shaw
  • Pasig
  • Quezon Avenue
  • Valenzuela
  • Zentrum

NCRSouth@pagibigfund.gov.ph

  • Binan
  • Binondo
  • Dasmariñas
  • Guadalupe – Edsa
  • Imus
  • Intramuros
  • Las Pinas-Robinsons Place
  • Makati – Ayala Avenue
  • Makati – Buendia I
  • Makati – Buendia II
  • Makati – JP Rizal
  • Muntinlupa
  • Paranaque
  • Pasay
  • Rosario
  • SM Aura
  • Sta. Mesa
  • Taguig – Gate 3 Plaza

Ilocos@pagibigfund.gov.ph

  • Baguio
  • Dagupan
  • La Union
  • Laoag
  • Urdaneta
  • Vigan

Cagayanvalley@pagibigfund.gov.ph

  • Cauayan
  • Solano
  • Tuguegarao

Centralluzon@pagibigfund.gov.ph

  • Angeles
  • Balanga
  • Baliwag
  • Cabanatuan
  • Malolos
  • Meycauayan
  • San Fernando
  • SBMA
  • Tarlac

Southerntagalog@pagibigfund.gov.ph

  • Batangas
  • Calamba
  • Calapan
  • Lipa
  • Lucena
  • Palawan
  • San Pablo
  • Sta. Rosa

Bicol@pagibigfund.gov.ph

  • Legazpi
  • Naga

Centraleastvisayas@pagibigfund.gov.ph

  • Calbayog
  • Cebu – Ayala
  • Cebu – Colon
  • Danao
  • Dumaguete
  • Mactan
  • Mandaue
  • Ormoc
  • Tacloban
  • Tagbilaran
  • Talisay
  • Toledo

Westvisayas@pagibigfund.gov.ph

  • Bacolod
  • Iloilo – Manduriao
  • Iloilo – Molo
  • Kabankalan
  • Kalibo
  • Roxas
  • Sagay
  • San Jose de Buenavista

Northmindanao@pagibigfund.gov.ph

  • Butuan
  • CDO – Carmen
  • CDO – Lapasan
  • Iligan
  • San Francisco
  • Surigao
  • Valencia

Westmindanao@pagibigfund.gov.ph

  • Dipolog
  • Pagadian
  • Zamboanga

Southwestmindanao@pagibigfund.gov.ph

  • Cotabato
  • Davao – Bajada
  • Davao – Lanang
  • Davao – Matina
  • Digos
  • General Santos
  • Kidapawan
  • Koronadal
  • Panabo
  • Polomolok
  • Tagum

In the Enhanced Community quarantine, the earning slows down and stops while spending continues and escalates. People need to look for additional resources, and an online application for loan assistance from Pag-IBIG should serve its purpose well.

About the author

eCompareMo

eCompareMo eCompareMo is the No. 1 financial e-commerce site in the Philippines. Follow us on Twitter and Instagram: @ecomparemo.