Pag-IBIG Benefits, Requirements, and Application Process in Cebu

Pag-IBIG, along with other government benefits like SSS and PhilHealth, is a mandatory requirement if you are employed in Cebu or anywhere in the country. One major advantage of having Pag-Ibig membership is that it allows you to loan a certain amount of money to buy your own dream house. Yes! You’ve read it right! If there is a government branch assigned to help you pay for your healthcare services and care, there’s also one who will assist you with your housing plans in the future.

Also Read: How to Apply for a UMID Card in Cebu

If you’re wondering if this is just for people who are employed, you’re getting it wrong. The government permits anyone to be a part of this housing program. Regardless of whether you are employed, unemployed, or self-employed, you can head to the nearest Pag-IBIG branch and apply for your number and ID. To start with the application process, here’s everything you need to know about the requirements, benefits, and the procedure itself.

Trivia: Pag-IBIG is an acronym which stands for Pagtutulungan sa kinabukasan: Ikaw, Bangko, Industria at Gobyerno.

Pag-Ibig Fund Cebu

What are the requirements to get a Pag-IBIG membership?

For employees who are about to start working for a private sector company, you need to secure the following documents:

  • Any valid ID – it can be your UMID, passport, postal ID, voter’s certification, or any proof of identification.
  • Your birth certificate – almost all government programs require you to bring your birth certificate authenticated by NSO or PSA. You might as well bring this with you in case the staff look for it.
  • Completely filled out an application form.
  • 2 pcs of 1×1 picture

For self-employed, bring these with you:

  • Latest ITR attached to your Financial Statements certified by CPA from the previous year.
  • Business/Mayor’s Permit
  • DTI or SEC registration documents under your name
  • 2 pcs of 1×1 picture

For self-employed professionals, here are your requirements:

  • PRC ID or BAR License
  • Latest ITR from last year
  • 2 pcs of 1×1 picture

Also Read: Job Search: Where to Look for a Job in Cebu

How to Become a Pag-IBIG Member

  • Secure all the required documents listed above.
  • Go to the nearest Pag-IBIG branch in your area and submit the documents together with two copies of MDF forms which you can get online or from the branch itself. All documents must be submitted for the authentication process. Here’s the list of some pag-Ibig branches in Cebu you can refer to:
    • WT Corporate Tower, 3rd and 4th Floor, Mindanao Ave, Cebu City | (032)-415-5002
    • Gaisano Capital, Leon Kilat St., Cebu City | (032)-234-2775
    • LG, Gaisano Mactan Island, Quezon National Highway, Lapu-Lapu City | (032)-492-7886
    • Level 1, Robinsons Cebu, Fuente Osmena Blvd., Sta. Cruz, Cebu City | (032)-255-5590
  • Get your number from the security guards or the front desk and wait for your turn.
  • Wait until the staff gives you your membership number.

Benefits of Getting Your Pag-IBIG Membership

  • You can turn your contributions into assets after 240 contributions or 20 years of paying.
  • You can avail of housing loans, calamity loans, and other loans offered by Pag-Ibig after 24 months of paying the premium.
  • You can avail of multiple housing loans.
  • You can obtain your Pag-IBIG Fund Loyalty Card which is can be used to get discounts from different stores in Cebu and other regions of the country.

It is good to have something back you up in case you want to avail of your own house soon. Gather your documents now and head to the Pag-Ibig branch nearest you!

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Hi there! My name Josh. I love video games. I also read books and watch movies.

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