Topic #1 : What You Should Know Before You Buy A Real Property
Subject: Preparation on Home Purchase
I have been a Pagibig member and was contributing voluntarily while I was in Philippines. I woulld like now to prepare myself in buying a home there. I have no relatives that I can send in your office. I also dont know my pagibig number and how much contributions I have made. Is there a number in Pagibig Cebu City office that I can call and an email address that I can send documents and follow up. Thanks
Here are some good links for you to consider.
Topic #2 : What Happens If You Don’t Pay Your Amortization?
Subject: Payment information
Hi! good day, I just wanted to know from your good office if it is possible that the housing loan is not paid for 1year or more will the pagibig will not forclose the property?
The grace period for any missed payment is only 30 days. If you are unable to pay for 3 months, the property is already subject for foreclosure, but it could take a long time for them to disposed of it. You are still given a chance to redeem the unit or restructure your loan.
If you are in that situation already, please read the article on Home Loan Restructuring to save your property. Here’s a link:
Please visit the branch handling your mortgage loan.
Topic #3: OFW Checking Membership Status
Subject: Inquiry
I was a member of PAG-IBIG I for almost 10yrs in the Philippines but I stopped my contributions when I resigned teaching. After 2 years, I became an OFW in US but before I left I paid a certain amount in POEA because they required us to pay as our contribution. When I asked the guy (PAG_IBIG representative) he told me that my payment goes to my old PAG-IBIG contributions(that was Feb. 2011).Now I want to apply a housing loan in the Phiulippines but i don’t know the status of my membership. Could you please explain my status and how could I avail housing loan?Do you have active office that I can visit or call in America most specially in California.
Please contact me using my email address.
You need to check it at the branch which keeps your records. If you are already out of the country, you may want to send in a representative to process it on your behalf.
Since you wanted to apply for a housing loan, it helps if have an idea of the process. Please read this article:
As for the overseas office, please refer to this link:
I hope this helps.
Topic #4: Where To Pay For Housing Loan Dues
Subject: inquiry on where to pay
good day! i applied for pag-ibig online and have received my number. but i don’t know where to pay or what requirements i still need to present to pay.can you please give me detail? thank you very much. by the way i am a licensed physician woring as a moonlighter/freelance on voluntary payment. thank you
Here are some of the ways you can pay the Pag-IBIG Fund:
The best one is still to do it over the counter at the branch where your records are kept.
Dear Sir/Madam,
I have a condo unit (Smile CitiHomes) which I am no longer using. It has been vacant for 8 months now but I have regularly paid my monthly amortization even if I haven’t been there for the past several months. I am trying to sell it but I haven’t had the luck so far. Is it possible to sell it back to Pag-ibig? If it is, can I still get back a portion of the payment that I made? How much of it could be returned to me? Btw, I have been paying its monthly amortization for the past eight years now, and I still have outstanding balance for that unit.
Oliver,
Why not try to post your condo for sale here on this website? Please use this link:
https://www.pagibigfinancing.com/articles/pag-ibig-marketplace/
Also, Pag-IBIG is not in the business of buying and selling properties. So if ever you will surrender your loan, together with the unit, you won’t get anything back.
Good Day,
Our house here in Cavite was applied by my mom from Pag-ibig.. Our problem is,, She stop paying it when she stop working.. we received notice of foreclosure from Pag-ibig. What shall I do??The total amount of arrears we have to settle is impossible for us to pay it.. Is it possible if I, her daughter apply this unit under my name and back to start the payment for the new contract lease by Pag-ibig?/Thank You…
Jhanz,
You can do that. But first, it is important that you negotiate and settle the problem at the branch.
Please read this article on how to restructure the housing loan:
https://www.pagibigfinancing.com/articles/2012/home-loan-restructuring-program/
Hi,
I was informed that the monthly savings are can not be downgraded. My contribution is now resulting too much for me nowadays due to the fact that Euro has been devaluated. What would you suggest? Can I stop depositing for some time and continue again later? Thanks.
Kits,
Yes, you can do that.
I also own a condo unit at Smile Citihomes. I pay my amortization every month but this month my husband decided to move to another place. This unit was sold to us when we were in Brunei by a woman who worked at the Philippine Embassy that time. The previous owner was a Pag-ibig employee (officer). Our problem with the unit is the structure of the building is not really good anymore as the fifth floor units always get flooded whenever there’s heavy rainfall. The top floors have cracks which the administration people could not really resolve the issue. I would like to know what we need to do with this problem because money isn’t really easy to earn. We feel like we were cheated because what’s the use of paying this property (we still have more than 10 years to pay) if we could not really stay or live there safely.
We hope and pray that we could still find a remedy as our lives are affected by the financial and emotional stresses we’re experiencing in paying this property for no value at all anymore.
Hi Encar,
I’m not sure if Pag-IBIG Fund can help you in your case. But can try to discuss this with the officers in your Condominium corporation.
This should be a lesson for overseas buyers.
Hi, may dalawa akong kapatid na may lupang hinuhulugan sa nha in good standing. ang mga lots ay close to each other. Gusto ko silang bigyan ng bahay like duplex para isang construction nalang since magkadikit naman ang mga lupa nila at isa lang ang gate. puede b akong magapply ng housing loan only para sa mga lote nila.
good am po.ask ko lng po kasi delayed po kami ng monthly ammortizations ng 2 mos pra s housing loan.ako po ang nagbabayad para sa anak ko na nasa dubai.nagkukulang po kasi ang padala nyang budget.ask ko lng po kung pwedeng 1 month muna ang babayarin? tnx po
Tess,
Yes, it’s possible. But you have to be careful amount delayed payments.
good am po, ask ko lang po kung pwedeng magbayad kahit sa banko na lang, kasi po malayo ang pag-ibig office sa amin. thank’s po.
Good morning po.delayaed payment po ako for 2 months.ngayon po gusto sana issuehan ng check ung outstanding balance ko.ask ko po Kung pwede 2 payment issue ko at Kung madidisregard ung 2 mos na delay ko.
dati akong Pag-ibig member. halos 2 years akong nag work sa isang company at ang employer ko ang naghuhulog ng monthly contribution ko. pwede ko ba syang ituloy ang pagbabayad as an self employed kase sa ngayon wala na akong trabaho.
hi po… may housing loan po na under sa name ng asawa ko na nag work abroad. na restructured na po yung housing loan namin one time nung bago pa cya nkaalis ng ibang bansa…ngayon nmn po,delayed ulit kami ng 8 months due to children’s hospitalization, tanong ko lng po kung sakaling magdecide kaming ipa foreclosed nlng yung unit nmin, ilang months po ba ang process ng foreclosure? o kailan po ba kami paaalisin ng Pag-ibig? kasi po yung kapitbahay nmin, foreclosure na sa knilapero hangganga ngayon nakatira pa rin po sila sa bahay nila.. thnx
hi, paano ba ma check yung contribution at loan balance ko? thanks