PAGIBIG FUND IN PHILIPPINES

A lot of you guys specially the OFW's are not aware that you can avail loans from pagibig in the Philippines specially housing loans. A lot of us are having problem with financing houses that we want to buy so we always resort to banks to provide us financing loans but what we don't know is that we can avail of pagibig loans with low interest and with option to shorten the payment term later on. I've taken interest to post to this blog the programs of our government and how we can avail of these. If you're not a member yet, it's not a problem, all you have to do is apply to become a member pay the membership fee and the equivalent 2 years payment of a member then you can avail of these loans.



Lending Programs


1. PROVIDENT LOAN
1.1 SHORT TERM LOAN (How to apply)

MULTIPURPOSE LOAN
The loan may be used for the following purposes:

Minor Home Improvement
Livelihood
Medical
Educational
Purchase of appliance and furniture
Other immediate needs


SPECIAL STL PROGRAM
CALAMITY LOAN PROGRAM
The Program provides financial assistance to Pag-IBIG member-victims in calamity-stricken areas.



2. HOUSING LOAN


2.1 Retail

a. PAG-IBIG FUND END-USER HOME FINANCING PROGRAM (Pag-IBIG Cir. 247, Guidelines) (April 23, 2009)

b. "ABOT-KAMAY PABAHAY” PROGRAM (Pag-IBIG Cir. 243, Amended Guidelines)

c. GOOD PAYOR INCENTIVE PROGRAM (Pag-IBIG Cir. 229, Implementing Guidelines)

d. "GABAY PABAHAY" PROGRAM (Pag-IBIG Cir. 218)

e.“MAGAANG PABAHAY, DISENTENG BUHAY” PROGRAM (Pag-IBIG Cir. 232, Amended Guidelines ) - The implementation of this program is extended until 30 September 2009

f. RENT-TO-OWN PROGRAM

g. DISPOSITION OF REAL AND OTHER PROPERTIES OWNED OR ACQUIRED (ROPOA) (Pag-IBIG Cir. 200, Amended Policies and Guidelines)

h. SUBSTITUTION/ REPLACEMENT OF CTS ACCOUNTS (Pag-IBIG Cir. 206, Implementing Guidelines)




2.2 Wholesale Lending
Amended Omnibus Guidelines Implementing the Pag-IBIG Takeout Mechanism under the Developers’ CTS/REM Scheme (HDMF Circular No. 259) (April 24, 2009)

Revised Guidelines on the Housing Receivables Financing Facility (HDMF Circular No. 258) (April 24, 2009)

Amended Guidelines on House Construction Financing Line (HDMF Circular No. 257) (April 24, 2009)

Amended Guidelines of the Pag-IBIG City Program (HDMF Circular No. 256) (April 24, 2009)

Revised Guidelines of the Pag-IBIG Program for the Development of Medium/High-Rise Condominium Building (MHRB) Projects in Metro Manila and Highly Urbanized Cities (HDMF Circular No. 255) (April 24, 2009)

Amended Implementing Guidelines For The Pag-Ibig Developmental Housing Loan Program For Local Government Units (HDMF Circular No. 254) (April 24, 2009)

Amended Guidelines Implementing HDMF Direct Developmental Loan Program (HDMF Circular No. 253) (April 24, 2009)

Implementing Guidelines on the Disposal of Pag-IBIG Fund Real and Other Properties Owned or Acquired (ROPOAs) through Joint Venture (HDMF Circular No. 246) (April 24, 2009)

Revised Omnibus Guidelines Implementing The Pag-Ibig Takeout Mechanism Under The Developers’ Cts/Rem Scheme(Pag-IBIG Fund Circular No. 237)

Pag-IBIG TAKEOUT MECHANISM UNDER THE DEVELOPERS' CTS/REM SCHEME (Cir. 212)


a. DEVELOPMENT OF MEDIUM/HIGH-RISE CONDOMINIUM BUILDING (MHRB) PROJECTS IN METRO MANILA AND HIGHLY URBANIZED CITIES (Pag-IBIG Cir. 227)

b. Pag-IBIG CITY PROGRAM

c. CREDIT FACILITY FOR PRIVATE DEVELOPERS

d. GLAD PROGRAM

e. FCL COVERED BY DOMESTIC LETTER OF CREDIT

f. Pag-IBIG HOMES DIRECT FINANCING PROGRAM

for more info visit pagibig website
PAGIBIG FUND