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July 23, 2018

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Pag ibig Calamity Loan Program

What is the Calamity Loan Program?

This program aims to provide financial assistance to Pag-IBIG member-victims in calamity-stricken areas, as declared by the Office of the President or the Sangguniang Bayan.

Who Are Qualified Or Eligible To Borrow?

To apply for a New Loan, a Pag ibig member must have:

1.  At least paid twenty-four (24) monthly mandatory savings (MS) or contributions.

2. At the time of loan application, have at least five (5) monthly contributions for the last six (6) months.

3. If with existing Pag-IBIG Housing Loan, the account must not be in default or must be updated as of

date of loan application;

4. If with existing Multi-Purpose Loan (MPL), the account must not be in default  and must be updated as

of date of loan application; and

5.  the Pag ibig Member applying for the loan is a resident of the area which is declared calamity-stricken.

What Are The Documentary Requirements For The Loan Application?

  1. Duly accomplished Multi-Purpose Loan Application Form (MPLAF)
  2. Two (2) valid IDs (Government issued)
  3. Proof of Income
    • For Locally Employed
      • Duly accomplished Declaration of Being Affected by Calamity*.
    • For Self-Employed or Individual Payors
      • Photocopy of any of the following:
        • Business Permit/Mayor’s Permit;
        • Commission Voucher; or
        • Any other proof acceptable to the Senior Management Committee

Additional Requirements For Calamity Loan

1.  For Formally-Employed members,

    • Declaration of Being Affected by Calamity (FLS006)

2.  For farmers, including landlords, fisher folks and livestock farmers,

    • Certification from the Municipal Agricultural Office (MAO) that their products were damaged/killed due to the calamity.

3.  For business owners/market vendors,

    • 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.

4.  For Pag-IBIG Members or any of his immediate family members afflicted by diseases 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.


1.  Original copies of photocopied required documents must be presented for authentication.

2.  Employed member-borrower may not present original copies of the photocopied required documents provided that said documents is duly certified by the employer.

3.   For filing of application thru a representative, submit the following:

  • Notarized Special Power of Attorney (SPA)
  • At least two (2) valid IDs of both parties

Where can one apply for a loan?

The borrower may submit his requirements to any Pag-IBIG Office nationwide. For inquiries, Pag-IBIG Fund’s hotline is open 24/7 – (02) 724-4244. E-mails can be sent to

Until When Can An Eligible Member Avail Of The Loan?

Within ninety (90) days from the declaration of state of calamity.

How much Loan Amount can a Pag ibig Member Get?

A qualified Pag-IBIG member shall be allowed to borrow an amount based on the lowest of the following:

  • Desired loan amount
  • Loan entitlement
  • Capacity-to-pay

Loan Entitlement

The loanable amount shall be 80% of the member’s Total Accumulated Value (TAV).

Capacity to Pay

  • An eligible borrower’s loan shall be limited to an amount for which statutory deductions, monthly repayment of principal and interest, and other obligations will not render the borrower’s net take home pay to fall below the minimum requirement as prescribed by the General Appropriation Act (GAA) or company policy, whichever is applicable.
  • If borrower has an existing MPL, the loanable amount shall be the difference between 80% of the borrowers TAV and the outstanding balance of his MPL.

How much is the Interest Rate of a Calamity Loan?

The current interest rate for the Calamity Loan is 5.95% per annum.

What is the Loan Term of the Calamity Loan?

The loan shall be amortized over a period of twenty-four (24) months with a grace

period of three (3) months.

Can a Member Renew the Calamity Loan?

Should another calamity occur in the same area, a borrower may renew his calamity

loan anytime. The outstanding balance of his existing loan, together with any accrued

interests, penalties and charges, shall be deducted from the proceeds of the new loan.

Can a member still avail of a Calamity Loan even if he has an outstanding MPL/Calamity Loan?

Yes, said member may still avail of 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.

If, in addition to an outstanding MPL, the member also has an outstanding calamity loan in the amount of P2,000, in the example above, the member is still granted a new calamity loan of P3,000 but will only receive P1,000 because the P2,000 will pay off the existing calamity loan balance. This means that at any given time, a member can have both MPL and calamity loan, but only one calamity loan.

Other Loan Provisions

  1. The Multi-Purpose Loan (MPL) and Calamity Loan shall be treated as separate and distinct from each

other. Hence, the member shall be allowed to avail of an MPL while he still has an outstanding Calamity Loan and vice versa.  In no case, however, shall the aggregate Short-Term Loan exceed 80% of the borrower’s TAV.

  1. For borrower’s with existing Calamity Loan at the time of availment of MPL or vice versa, the outstanding loan balance of Calamity Loan shall not be deducted from the proceeds of the MPL.

What are the Steps in Applying Calamity Loan?

Step 1

  • Go to Provident Benefits Division and submit accomplished Multi-Purpose Loan Application Form (MPLAF) or Calamity Loan Application Form (CLAF) and required supporting documents.
  • Get STL Acknowledgement Receipt (SAR, HQP-SLF-003).


Prior to submission of loan application, the member-applicant must be registered online and with Pag-IBIG Membership Identification (MID) Number or Registration Tracking Number (RTN).

Step 2

On scheduled date, get loan proceeds:

  • If released through Check, present SAR and 2 valid IDs at Cash and Administrative Services Division (CASD).
  • If released through Payroll Account/ Disbursement Card, verify and withdraw at any accredited ATM/Bank.
  • Check Release Controller
  • ATM/Bank

List Of Valid Ids Acceptable To The Fund  

  • Company ID
  • Passport, 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, e.g. 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