A good number of our website visitors came from Filipinos based overseas – both OFWs and immigrants. And occasionally, we also have dual-citizenship holders and former Filipinos who are certainly interested in the Pag-IBIG Fund Program. The messages and inquiries that we received from them are as varied as the different cultures they are currently in.
There is one particular question that struck our attention and we want to cover it hear simply because it many of our visitors can relate to this one and we want them to be informed about this once and for all.
The question came from R. Nunez and he said in part…
“I am a dual citizen but wish to retire early in the Philippines(Filipino/American passport holder).Can I be qualified to become a ‘Pagibig Fund’ member?”
And we replied with this:
“Please don’t make it complicated on your part. You can always use a Mortgage Loan from a Bank in your situation. That way, there is no more membership requirements and other complicated matters that go with it.”
“And yes, you are certainly allowed to own a piece of land under the Laws of the Philippines.”
(For the complete series of replies, refer to this link. )
Again, we are citing that particular inquiry because we want to elaborate further and add a few more important information for Dual Citizenship holders just like Mr Nunez and other former Filipinos as well.
Citizenship and Membership To The Pag-IBIG Fund
The right answer to Mr Nunez question is this: Yes, he is qualified to be a member of the Pag-IBIG Fund under the Pag-IBIG Overseas Program. As a matter of fact, The Pag-IBIG Fund stated that “Membership under the Pag-IBIG Overseas Program (POP) shall be open to all Overseas Filipino Workers (OFWs) with valid visas or employment contracts. Likewise, it shall be open to Filipino immigrants and to Filipinos naturalized in other countries.”
The Home Development Mutual Fund (or simply Pag-IBIG Fund) has changed the rule requiring OFW’s to become members of the Pag-IBIG Fund. In other words, the Pag-IBIG Overseas Program is only optional for the OFW’s, because they are now required to become regular members of the Pag-IBIG I.
For more information on the Pag-IBIG Overseas Program, please refer to the following links:
- Overview of the Pag-IBIG Overseas Program
- Pag-IBIG Office / Partners/ Affiliates Abroad
- The New Pag-IBIG Law of 2009
- Joining The Pag-IBIG Overseas Program
Citizenship and Land Ownership
It is a well known fact that land ownership in the Philippines is granted only to Filipino Citizens and Philippine Corporations with at least 60% interest by Filipinos.
Foreign Nationals are definitely not allowed to own. Most of them simply put the Land title in the name of a Filipino whom they can trust such as the spouse. Or it could be that they are on a long term lease-contract with the land owner.
As for the former Filipinos who are already naturalized in other countries, the Law of the Philippines still allows them to own a piece of land, but with a few limitations.
If this describes you, take note of the following restrictions.
- Land must be used for residential or business purposes only.
- Limitation on Residential land:
- maximum of 1,000 sq meters of urban land
- or one (1) hectare of rural land is allowed
- Limitation of Land intended for business use:
- maximum of 5,000 sq meters of urban land
- or three (3) hectares of rural land
- You can only get either urban land or rural land, but not both.
- A maximum of two (2) lots not exceeding the maximum limit in total combined area is allowed. Lots must be located in different cities or municipalities.
As for the Dual Citizenship holders (one citizenship being a Filipino) the Law of the Philippines still allows you to own land in your name just like any Filipino National.
~~~
Citizenship, Land Ownership and Pag-IBIG Fund Membership is written by Carlos Velasco.
thank you so much for the info.
ask ko lng po kung panu malaman kung active pa ung membership ko..nsa ibang bansa na po kasi ako naun.
paano k po ba malalaman na member ako nang pagibig kasi nagtry po ako na mag inquire sa temporay ID ko hindi nila tinatanggap yong numbre nang pagibig ko ito po yong number T001250955 paki check nlng po kong puwede.salamat po
Tanong ko lang po kung active pa po ba ang membership ko more than 6 years na po kai hindi ko na hulogan since nag pa member ako sa pag-ibig.
magandang araw po! tanong ko lang po kung pwede pong magbayad gamit ung tracking no. na ibinigay noong nag online register ako. at kung saan po pwedeng magbayad dito sa sharjah u.a.e. at kung pwede rin po malaman kung pwedeng bayaran ang buong isang taon sa loob ng isang beses na pagbabayad? sana po ay matulungan nyo ako at masagot nyo ang aking katanungan. maraming salamat po…
gud am po.. ask ko lng po sana kung ano mga requirements para maging member ng pag-ibig?
magandang araw po. ano pong mga requirment para malipat po sa akin pangalan ang housing loan na pinag patuloy ko lang po sa unang may ari ang pag babayad po sa housing loan sa pag-ibig, para sa akin na pong name pumasok tamang pag babayad at para sa name ko na pumasok ang contribute ko sxa pag-ibig.
thank you po sa information.
@Myla:
Please confirm at the Pag-IBIG Office what your member ID really is. Only should you send your payment to them and don’t forget to keep your official receipts.
@onofre:
You have to execute a transfer of rights from the original member to your account.
@marksuba:
If you are still contributing, then you are active.
@rogelio:
please check it personally at the Pag-IBIG Office.
@mya:
Please browse around the pages of this website under the Membership Category. You may find it at the right panel of the website.
Hello, i hope you can help me…Member na po ako ng Pagibig, I am based here in the U.S…I own a lot in Batangas at plano kong patayuan ng bahay ko. Ang tanong ko po, wala akong kilalang contractor ng mg bi build ng bahay, may requirement po ba kayo kung sino ang contractor na gagamitin ko or…kung my alam kayo pwede ba ninyo akong tulungan? Kung pwede po yong mahusay at hindi mang te take advantage kasi wala akong alam sa mga construction tulad ng materyales na gagamitin nila…thank you po and I hope you can reply to this as soon as possible. thank you po..
Hi Sir/Ma’am,
If I am to increase my contribution, in how many months can I be eligible for a higher amount for housing loan?
magkaroon po sana ng option or choices ang pag ibig sa mga loaners, di naman po lahat ng manggagawa abroad ay engineer arkitekto o teacher ang mga ofw,lahat naman po ng ofw maging ang mga ordinaryong ofw ay nangangarap na magkaroon ng sariling bahay at isa na po ako doon.luwagan naman po sana ang sistema sa mga loaners na may lupa na at bahay na lang ang kailangan…. di naman po siguro hahayaan ng mga may lupa na mailit ninyo ang kanilang lupa…buksan naman po sana natin ang ating isipan at palawakin ,imulat na rin po natin ang ating mga mata at tingnan po ang hinaharap…isa po ang sistema ninyo sa nakakapagpabagal sa pag asenso ng bawat pilipino na nangangarap magkabahay at makapamuhay ng maayos… bakit di po kaya natin subukan na rebisahin ang mga rules and regulations kasama na ang requirements para sa mga loaners… marami pong pilipinong ofw (mekaniko, tubero, mason at welder) ang nadismaya sa sistemang pinairal nyo last year ……
pinabayaran nyo po ang whole 24months at ika ninyo ay pwede na silang mag loan… pero ng mag loan na po sila hinanap po sa kanila ang monthly contribution reciept…at siguro po higit sa sampung daliri ko requirements na hinihingi ninyo…magising na po sana tayo mga kababayan, magtulungan po tayo!
@Sandra:
Pag-IBIG can’t assist you in finding a contractor or architect. You should do it yourself or have one of your representatives do it for you.
@Len:
Sometimes your loan will be approved right away. You may want to read the article on Income and Loan Amount to clarify things further.
hi,
i am one of the OFW here in dubai uae and very much interested to apply for a housing loan.im not sure when was the last time i paid for my monthly contribution and i really wanted to own a house of my own.kindly advice on how i will know how much i need to pay and how long i need to wait for me to apply for the same.thank you.
Dear Admin,
I just want to ask how to be a member of pag ibig fund as OFW. I’ve been calling your no. showing here but its always out of reach. I am interested to be a pag ibig member but i don’t know how to proceed and what are the requirements. Please kindly help me with this.
Many Thanks!
Dear Admin,
I just want to ask how to be a member of pag ibig fund as OFW. I’ve been calling your no. showing here but its always out of reach. I am interested to be a pag ibig member but i don’t know how to proceed and what are the requirements. Please kindly help me with this.
Many Thanks!
Hi! i had my personal loan last 2006 and failed to continue paying it after i left my employer but i continued my contribution until november 2007. I wish to continue paying my loan and my contributions. Will i still have a chance of availing the housing loan in the future?
Thank you!
hi po isa po akong ofw d2 sa riyad.ask ko lng po sana what is the best para makapag member po sa pag-ibig,pwedi po bang yong wife ko nlang ang pumunta sa ofis nyo or what pls. give an info.sa isabela po kasi ngayon wife ko.and ano ba yong mga following requirements nyo pls help.
thanks and more power
Hi,po ofw po ako dito sa taiwan,gusto ko po maging member ng pag ibig,gusto ko po magron ng bahay at lupa.pwede po ba ang anak ko pumunta sa office nyo,ano po ba ang mga patakaran nyo sa pag apply ng housing loan?
dear sir/madam,
I am a member of pag ibig lousing loan since 2009, i think the house is ready for inspection and move in i quess after more than a year of waiting.They told us that it’s gonna be 7 months move in ready but it didn’t happen. Im recently naturalized here Florida, I am married to an american citizen. One of the requirements that they are asking me is to ask my husband to sign for a waiver of rights? I know he is american but why would i ask him to sign for a waiver of rigths about the house the fact that he’s married to me. And another question is,would it be possible to just notarized all the documents instead of consularized? The philippine consulate here in FL is in Fort lauderdale, it’s just like 5 to 6 hrs drive from here. I hope to hear from you soon. thank you…
@marizel:
1. They are asking your husband to sign the Waiver of Rights because foreigners are generally not allowed to own a piece of land here in the Philippines. A lot of Americans find it strange, but that’s our Law. That’s something you have to explain to him. 🙂
2. Normally, it should be consularized since you are out of the country. Actually, it depends on the policy of the party/company asking you for that document. Some would just accept a locally notarized document. But obviously in your case, this is Pag-IBIG Fund you are dealing with.
@rhina:
yes, you can have your son, or daughter to any representative do that on your behalf.
@jessmar:
same response with @rhina above.
@mishelle:
I suppose that’s the Pag-IBIG Multi-Purpose Loan. Yes, you may be able to get a home loan in the future but remember that would put a question mark on your willingness to pay.
@janet:
One of the ways you can do it is to have a local representative here in the Philippines do it on your behalf. That should be faster.
@grace:
The first requirement would be for you to re-activate your membership and then secondly attend the home loan seminar. Everything should proceed from there.
gusto ko lang po sana mag inquire kung pano ko malalaman kong active pa ba ang membership ko sa pag-ibig kasi matgal ko na pong hnd nahuhulugan since hindi naman pa ako makpunta sa pag-ibig office personally ksi nandito po ako sa ibang bansa..and i dont remember my id number!..at kung pwede ko pa bang ituloy ang controbution ko if its still active?.. thanks
@joy:
You may request a representative to check it at the Pag-IBIG Office.
Hello po, gusto ko po sana na maging memeber ng pag ibig kaya lng po immigrant po ako dito ako sa amerika at d2 din po nagtatrabaho..paano po kaya ako magiging member at saan po ako maghuhulog ng contribution. at ano ano po ba ang requirments? sana po matulungan nyo ako. marami pong salamat!
Hi,
Pwede po bang mag-apply ng membership or mag-contribute ang isang U.S. citizen na katulad ko?
Salamat po,
Nilo
Nilo,
Yes, if you were a former Filipino. But, why would you want to do that?
Sa kinauukulan,
Nais ko lang pong magtanong kung paano maging memeber ng PAg-ibig.Ang kapatid ko nasa middle east at gustung maging member, kaso lang po she is already a Bahraini citizen. Kasi po gusto niyang bumili ng bahay para po sa anak niya na naiwan dito. Paano po kaya iyon?
Mary An,
If you simply want to buy a house, you are better off using banks and other financing institutions that don’t require membership to it.
Dear Sir/Madam,
ako po si lucia, may asawang british at may dalawa po akong anak at residente na po ako dito sa UK for 10 years, at kasalukuyang may trabaho dito, matagal ko na po sanang gustong bumili ng bahay at lupa sa pinas, kaya lang po ang gusto ko sanag mangyari ay makapag down ako ng 20percent and the rest ay monthly payment, kaya lang po wala akong alam kung pano mangyayari ang ganun,pag ibig fund po ba ay matutulungan ako, at saka hindi po ako member ng pag ibig fund. sana po matulungan nyo po ako.
@lucia:
Please be informed that the benefits, like housing, is open only to the members of the Pag-IBIG Fund.
@Mary:
Please apply at the Pag-IBIG branch near you.
@Elsie:
You may want to become a voluntary member. But please think about it thoroughly. Remember that Pag-IBIG is not your only option if you are planning to get a Housing Loan.
Hi,
I’m a PR of Australia, I’m interested in purchasing a lot in Philippines. I used to contribute before when I was working in our country (since 1997 to 2008). I did not withdraw my contributions. Please advise how I can purchase a property thru PAG-IBIG. Thank you.
hello,admin. here’s my questions regarding about PAG-IBIG FUND
1.ngtrabaho po aq dti s first company q for 2years pro hndi q alm kng ano id nmber q. paano q po mllman kng ano id number q.
2.kng 2years po aq nkpgcontribute, pwede n po b aq mgapply ng overseas program kc po dto n aq s abroad after my 2years worked in pinas,pro after po ng 2years n un hndi q n naituloy un contribution q eh im planning to get a house nga po now.
3.ano po requirements from me n dpat q isettle. kc po un girlfriend q lng po ang mkikipgnegotiate dun s owner ng house n gsto nmin bilhin..
4.my pag-ibig fund din po un gf q nw and updated po cia until now kc shes still working, pwede po b n pagibig nya un gmitin nmin khit aq un mgffinance.kc po mdyo mlaki un gsto nmin n bhay eh kng un po sahod nya ang pgbbasehan eh bka po hndi cia maapprove..
salamat po and umaasa s inyong mabilis n sagot
jhoe
Pwede po bang i-apply ng housing loan yung lupa naming nabili kahit hindi pa saming pangalan yung title ng lupa?
Salamat
myrna
I’VE BEEN A LONG TIME PAG-IBIG FUND MEMBER HERE IN CANADA WITH MY PAG-IBIG OVERSEAS PROGRAM IDENTIFICATION NUMBER 1702-0005-6411.KINDLY UPDATE ME ABOUT MY ACTIVE MEMBERSHIP.I’M VERY INTERESTED OF ABOUT 11.5% INTEREST PER ANNUM FOR HOUSING LOAN FOR MY OWN PERSONAL REAL PROPERY LOT AREA OF 120 SQUARE METERS LOCATED AT SAN MATEO, RIZAL,PHILIPPINES..PLEASE EMAIL ME ALL THE COMPLETE NECESSARY REQUIREMENTS THAT I WILL SUBMIT IN YOUR GOOD OFFICE.MY CONTACT NO.:604-618-76-90; 604-904-94-72;604-440-32-04.KINDLY ALSO UPDATE MY HUSBAND,ARMANDO ELAYDO CERCENIA OF HIS PAG-IBIG FUND MEMBERSHIP.OUR PERMANENT ADDRESS HERE IS: 1512 BOND STREET, NORTH VANCOUVER,BRITISH COLUMBIA, CANADA V7J1E7.OUR OWN REAL PROPERTY MAILING ADDRESS IS: LIVE WORK TH-8 THE ESPLANADE BLDG.,ESPALANADE AVE.,NORTH VANCOUVER,BRITISH COLUMBIA, CANADA V7L4Y1.WE NEED YOUR RESPONSE IMMEDIATELY.ALMIGHTY GOD BLESS THE PHILIPPINES.WE LOOK FORWARD OF YOUR INSTANT HOUSING LOAN ASSISTANCE, SO WE’LL HAVE A RETIREMENT DECENT HOUSE TO LIVE IN A PHILIPPINE HOME SWEET HOME SETTINGS.
dear sir/ maam,
have a good day!!
im emilyn im leaving in abu dhabi gusto ko lang po sanang mag tanong sa inyo kasi po gusto kong magkaroon ng bahay pag uwi ko monthly po akong nagbabayad sa pag ibig mga 1 year and half napo me nag babayad. and plus pa yong kaltas ng sahod ko since i worked in philippines. mayron po ba kayong mga tao dito na makatulong para dito nalang me tumingin ng bahay na gusto kong i house loan?
please help me, and thank you very much for your time.
thanks and regards,
emilyn abu dhabi
paano po malalaman kung saan po makikita yung mga kontribusyon nmin sa pag ibig na hinulugan ng kompanya?
John,
You can check them at the branch.
I have been reading some of the posts and i noticed the answer about *why become a member of pagibig if you can get a loan from a private bank *(for filipinos of foreign citizenship).The only logic answer to that inquiry of becoming a pagibig fund member is taking advantage of low interest rate that they think is lower than what private banks would offer directly.In my opinion pagibig doesnt set the loan interest but rather they act as a middleman between members and the banks to make rates appropriate and competetive as possible.They also act as an insurance to the bank in case of a loan default.When the house is foreclosed Pagibig pays the default then bank takes over the property and sell it in a foreclosure sale that you see in the newspaper ads section of properties for sale.This is just my opinion but its pretty much similar here in the US.They have what they call here the VA loan and it is also one of many loan programs provided by the US govt to future and would be homeowners specifically with the military vets.I hope this helps.