Pag-IBIG Fund 3-Month Moratorium FAQs: Who Can Get it, How, and Other Questions, Answered


The state housing of the Philippines, a month ago, announced that they will be having a three (3)-month moratorium on all their loans; with this, we present that Pag-IBIG Fund 3-month moratorium FAQs. A bit of back story for those not in the know… Because of the declaration of our country being in a State of Calamity because of the 2019 Coronavirus Disease (COVID-19), President Duterte placed the entire island of Luzon under a strict enhanced community quarantine (ECQ).

Pag-IBIG 3-month moratorium FAQs
This image was taken from the Pag-IBIG Fund website |

With this declaration, it prohibited the movement of the mass. There are quarantine passes that are being given to households so they can go out in case of emergency.

But what do you know about the 3-month moratorium? Here are some Pag-IBIG Fund 3-month moratorium FAQs you might need or want to know.

Read: Three-Month Moratorium to All Loans, Pag-IBIG Fund

What is a Moratorium?

To start off, some of you might not be aware of what a moratorium is. In its simplest terms, a moratorium is an act of temporarily postponing the payment of something. Moreover, it can also be an extension of the due date; this results to a longer loan term.

So technically, a moratorium is giving debtors a chance of longer payment extensions. In this case, Pag-IBIG imposed a 3-month moratorium, allowing members to cut-off payment temporarily to help with the COVID-19 situation.

Read: Here’s How You Can Apply For The Pag-IBIG Calamity Loan Online

Without further ado, here are some of the most common Pag-IBIG Fund 3-month moratorium FAQs that you will see surfacing around the web.

Pag-IBIG Fund 3-month moratorium FAQs

What is the 3-month moratorium on all loans offered by Pag-IBIG?

The 3-month moratorium that Pag-IBIG offered is for the postponement or the suspension of loan payments. This is given to all Pag-IBIG members severely affected by the COVID-19 that have the following loans:

  • Pag-IBIG Housing Loan
  • Multi-Purpose Loan (MPL)
  • Calamity Loan

Which payment due dates are part of the moratorium?

Loans that have due dates from the 16th of March until the 15th of June are extended. What this means is that if the payment due date is on March 16, it’s going to be moved to June 16. This applies to the following dates.

Read: Staggered Payment For Electricity Bills, Called on by Gatchalian

In the event that the loan you have is a Housing Loan, you should not be older than 70 years old in during the last month of your payment after the adjustment has been made.

Who can avail this 3-month moratorium?

Members who have loans in the MPL, Calamity Loan, or the Pag-IBIG Housing Loan who have been severely affected; or if they temporarily lost their jobs or their businesses because of the declaration of our country being under a State of Calamity and State of Public Health Emergency.

I have a Pag-IBIG Housing Loan; can I apply for the moratorium?

If your Pag-IBIG Housing loan is part of our Affordable Housing Program, where the loan you’ve made would not exceed P750,000, you can apply for the moratorium. Otherwise, you can still apply for the moratorium, your payments just need to be updated as of March 16, 2020.

Read: DOLE’s COVID Adjustment Measures Program (CAMP) Application is Suspended Due to the Large Volume of Applicants

Would I be able to apply even if my premium contributions aren’t updated?

This is one of the most common Pag-IBIG Fund 3-month moratorium FAQs. To answer it, members can still apply for a 3-month moratorium. However, it’s still going to be under evaluation.

We would like to remind all Pag-IBIG Fund members that not all applications we get have sure approvals.

What about the Multi-Purpose Loan (MPL)? Is it also part of the moratorium?

Yes, you can apply your MPL for the 3-month moratorium if you started paying for it before March 16, 2020. It’s going to be best if members’ accounts are updated.

Read: SSS COVID-19 Calamity Loan Program to be Launched on the 24th of April

If it’s not updated, the late payments should not be more than six (6) months. This also applies for the Pag-IBIG Calamity Loan.

Do I need to apply for a moratorium? If so, how can I do it?

Yes, in fact, all members who wish to be part of it will be required to apply. The 3-month moratorium is an assistance provided by the state housing to borrowers severely affected by the COVID-19 pandemic.

The application for the 3-month moratorium can be done online through Virtual Pag-IBIG. Proceed to this link to do so. Take note of the reference number that you’ll be given; this will serve as proof of your application and that we have received it.

Read: The SSS Extended Contribution Payments Until 1st of June

It is also worth noting that not all applications have sure approval; all applications would still undergo evaluation.

When you get approved, Pag-IBIG will send you a notification via a text message or email with the result of your application.

Is there a deadline for application?

Application will run until the 15th of June 2020.

How does the moving of due dates work?

To clarify, the moratorium would only move the dates of the dues, it wouldn’t have waivers or anything. The moment that your moratorium application is approved, your due dates would be pushed.

Read: PH Military Personnel Will Donate Part of Their Salaries to Fight COVID-19

For example, you have a due date for any eligible Pag-IBIG loans on the 16th of March, it’s going to be moved to June 16. The due date on April will be moved to June, and the due date in May will be moved to August.

No penalty or interest will be accrued.

Is there a processing fee?

There’s no processing fee in applying  for the moratorium; the only thing members would most likely think about is the additional insurance premiums that would be added to the first loan payments based on the extended due date.

I submitted Post-Dated Checks (PDCs) for my Pag-IBIG Housing Loan. Would Pag-IBIG deposit this?

All PDCs are on-hold since the 23rd of March 2020. We will not deposit it during the quarantine and if our application for the moratorium is approved. However, if your application is not approved, your checks might be deposited the moment that the ECQ will be lifted in your location.

Read: Luzon Quarantine Lifting if COVID-19 Antibody Becomes Available

What if I fail to make a payment and if my moratorium application is denied?

You will receive an advice from Pag-IBIG so that you’re aware of this incident. Moreover, this is done so your loan account in the state housing development agency is updated. The notice would be through a billing statement if it’s for a Pag-IBIG Housing Loan, or through your employer if it’s a Pag-IBIG Calamity Loan or MPL.

Who can apply for the Pag-IBIG 3-month moratorium?

People from Luzon aren’t the only ones who are part of the moratorium. As a matter of fact, even Pag-IBIG members in Visayas, Mindanao, and also Overseas Filipino Workers (OFWs) who have been severely affected are eligible for it.

Read: Who Are the Middle Class and How Are They Different From the Poor?

If they lost jobs or they temporarily suspended their businesses due to the declaration of the State of Calamity and State of Public Health Emergency.

Would penalties and fees be accrued if I don’t apply for the moratorium and if I just let this slip?

Yes, interest and penalties will be accrued if you don’t apply for the moratorium or for payment extension. Your due dates would not be automatically moved without you applying for it.

If this is the case, you’ll have the obligation to pay the original price on the due date of your loans; and if it goes over the due date, penalties will be accrued.

I have multiple loans, can I apply them all?

This is another of the most common and the most asked Pag-IBIG 3-month moratorium FAQs. And to answer it, yes, you can apply all of your Pag-IBIG Fund Loans under the moratorium program.

Again, even if one of your applications is approved, it doesn’t mean that your 0ther loans will be approved as well. It’ll still undergo evaluation and assessment.

Read: President Duterte Promises to Help the Middle Class, Too

Can I ask my employer to apply for my moratorium?

Definitely, if you are employed, you can ask a favor from your employer to extend your due dates through the moratorium. Your employer would have to be the ones to do it and they might need further information from you such as:

  • Your Pag-IBIG MID No:
  • The type of loan you’re looking to apply for the moratorium
  • When the due dates are

If I pay the balance on the due date and I got approved, can I ask or apply for a refund? Where would my money go?

After your payment has gone through and you got approved, it will be considered as an advance payment for your loan. No mentions of it being allowed to be refunded has been said by the agency.

These are the Pag-IBIG Fund 3-month moratorium FAQs that you might share with other people. If you’re interested with it, this can be your guide.

Read: Not Enough Gov’t Funds to Fight Against COVID-19, Duterte

The 3-month moratorium offered by the state housing is just one of the many helps that the Philippine government is giving us. Help and assistance doesn’t only mean financial assistance – it can also be in other forms like this.

Hopefully, a wide variety of businesses and companies follow this same path. Not only would this be helpful for Pag-IBIG members, it can also be seen as a natural and a sincere act of goodwill from our government.

What do you think about Pag-IBIG’s 3-month moratorium? Would this be useful for you and your family during this crisis?

Source: Pag-IBIG Fund

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6 thoughts on “Pag-IBIG Fund 3-Month Moratorium FAQs: Who Can Get it, How, and Other Questions, Answered”

  1. How to apply for the Refund of all of my Pag ibig Contrbutions and its profits for a 60 year old retiree?

  2. Paano po kapag hindi nakapagapply ng moratorium, ang ang last payment ay Feb. 29, 2020, kasi ang due date ay every 30th of the month, so plan to pay this 30th of August, paano po ang pagbabayad…


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