How to avail Home Development Fund (Pag-IBIG)–Calamity Loan


The Home Development Mutual Fund (HDMF), popularly known as Pag-IBIG (Pagtutulungan sa kinabukasan: Ikaw, Bangko, Industriya at Gobyerno) Fund offers a Calamity Loan Program to any Pag-IBIG Fund member affected by severe flooding, typhoons, and earthquakes. Areas declared under a State of Calamity by the President of the Philippines or to the Local Government Units upon the recommendation of the National Disaster Risk Reduction Management Council (NDRRMC) or their local counterparts known as the Local Disaster Risk Reduction Management Council (LDRRMC).

Qualified Pag-IBIG Fund Members can borrow up to 80% of their Total Accumulated Value (TAV) subject to the terms and conditions of the program. Calamity Loan Interest rate is 5.95% per annum. The loan is amortized over 24 months, with a grace period of 3 months. Paying period begins on the 4th month following their check date. Loans may be filed within 90 days from the declaration of State of Calamity.

Read: How to apply for SSS Calamity Loan

In this article, I will be guiding you with the requirements and the procedures in order for you to pursue and successfully approve for this loan.

Who are qualified members?

  • Has made at least 24 monthly savings
  • Active member with at least 5 monthly savings for the last 6 months as of month prior to the date of loan application;
  • Resides in an area which is declared by the Office of the President or the Local Sanggunian concerned as under a state of calamity

Process and Requirements

1. Completely filled-up Calamity Loan Application Form (it can be downloaded from the Pag-IBIG Fund website at or can be secured at any Pag-IBIG Fund office)

2. Prepare a Photocopy of at least 2 valid IDs

For your reference the following ID’s are acceptable to Pag-IBIG Fund;

  • Passport
  • Driver’s License
  • Professional Regulations Commission (PRC) ID
  • SSS ID
  • GSIS E-Card
  • Company ID
  • NBI Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Barangay Certification
  • Philhealth card
  • Senior Citizen Card
  • OWWA ID/OFW Information Sheet
  • OFW ID/Overseas Employment Certificate (OEC) and E-receipt
  • Seafarer’s Identification Record Book (SIRV)
  • Alien Certification of Registration/ Immigrant Certificate of Registration
  • National Council for the Welfare of Disabled Persons (NCWDP) Certification
  • Department of Social Welfare and Development (DSWD) Certification
  • Tax Identification Number (TIN) Card
  • Other Valid IDs issued by the government and its instrumentalities

3. Proof of Income

4. For formally employed members, duly accomplished Declaration of Being Affected by Calamity.

5. Submit all the requirements to Pag-IBIG Fund branch where the Pag-IBIG member or employer has remitted the most or latest contributions.

For those members has an existing Housing Loan, Multi-Purpose Loan (MPL) and/or Calamity Loan, the account must not be in default as of date of loan application. You can still avail a Calamity Loan subject to certain conditions. In no case, however, will the aggregate short-term loan (MPL and Calamity Loan) exceed 80% of the borrower’s TAV.

Disclaimer: I am not affiliated or whatsoever to Home Development Mutual Fund (HDMF), this tutorial is created for informational purpose only. For inquiries and more information please contact (02) 724-4244 or visit your nearest Pag-IBIG branch.

Source: Pag-IBIG

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8 thoughts on “How to avail Home Development Fund (Pag-IBIG)–Calamity Loan”

  1. paano po kung dko natuloy ung paghulog ng pagibig ko pero matagal na ako naghuhulog may computation na kung magkano pwede ko maloan pwede po ba na po na mag apply ako ng calamity loan kahit na stop ako ng paghulog? or pwede ko bayaran ung 1yr para makapagloan po ako.


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