Eligibility Criteria for Pag-IBIG Housing Loan


To qualify for a Pag-IBIG Housing Loan, you must meet the following requirements:

  1. Have made monthly contributions for at least 24 months.
  2. Be below 65 years old upon application.
  3. Not exceed 70 years old when the loan matures.
  4. Possess legal capacity to encumber real property.
  5. Demonstrate the ability to pass a background check, including credit, employment, or business history.
  6. Not have any outstanding Pag-IBIG Short-Term Loan (STL) payments in arrears.
  7. Not have experienced a cancellation, foreclosure, or buyback of a Pag-IBIG Housing Loan due to default.
  8. Ensure your account is updated if you have an existing Pag-IBIG Housing Loan as a principal buyer/borrower or co-buyer/co-borrower.
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CashLoanPH Changed status to publish 28/02/2024