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FREQUENTLY ASKED QUESTIONS

Frequently Asked Questions

1. What is the Virtual Pag-IBIG?

The Virtual Pag-IBIG is an online portal where you, our members, can conveniently and securely access Pag-IBIG Fund’s services anytime, anywhere. The Virtual Pag-IBIG also provides a chat function where a Pag-IBIG Fund Service Agent is always ready to answer your inquiries or resolve any concerns you may have with your Pag-IBIG Fund membership. It’s like having your own Pag-IBIG Fund branch at your fingertips.

2. What services does the Virtual Pag-IBIG offer?

With the Virtual Pag-IBIG, you can enjoy the following services:

a. Register as a Pag-IBIG Fund member and get your permanent Membership ID (MID) Number;
b. Remit your Pag-IBIG Fund Savings and MP2 Savings;
c. Open an MP2 Savings Account;
d. View your Savings Records (Pag-IBIG Fund Regular Savings and MP2 Savings, including annual dividends earned by these accounts);
e. Apply for a Short-Term Loan (Multi-Purpose Loan or Calamity Loan);
f. Schedule an appointment to submit documents for your Housing Loan Application;
g. Pay for your Pag-IBIG Fund loans (Housing, Multi-Purpose, and Calamity Loans);
h. Check your Loan Status (Housing, Multi-Purpose, and Calamity Loans);
i. View your Loan Records (payments made and the outstanding balance of your Housing, Multi-Purpose, or Calamity Loans);
j. Apply for Interest-Rate Repricing on your Housing Loan;
k. View the account balance and transaction history of your Loyalty Card Plus (currently available for cards issued by Asia United Bank); and
l. Chat with a Pag-IBIG Fund service agent, 24/7, to address your inquiries and concerns about programs and benefits of Pag-IBIG Fund

3. Where can I access the Virtual Pag-IBIG?

You can easily access the Virtual Pag-IBIG by visiting the Pag-IBIG Fund website, and clicking on the Virtual Pag-IBIG button on the main menu.

4. Do I need an account to gain access to Virtual Pag-IBIG?

Several Virtual Pag-IBIG features are accessible even if you do not create an account, but if you want to fully enjoy ALL the services and features of your Virtual Pag-IBIG branch, we encourage you to sign up for an account.

5. What can I do with a Virtual Pag-IBIG Account?

Once you have a Virtual Pag-IBIG Account, you can securely view your Pag-IBIG Fund Savings and Loan records, which will help you keep better track of the growth of your Pag-IBIG Fund Savings; the outstanding balance of your loan/s; and ensure that remittance and payments for your savings and loans have been settled and posted.

6. How do I create a Virtual Pag-IBIG account?

Opening a Virtual Pag-IBIG Account is as easy as creating an email address or a Facebook Profile. Just log on to www.pagibigfund.gov.ph, click on Virtual Pag-IBIG and click the “Log In” or “Create Account” button.

For now, having a Loyalty Card Plus is the most convenient way to create a virtual Pag-IBIG account. If you have one, just key in details found on your Loyalty Card Plus.

Members without a Loyalty Card Plus can still create a Virtual Pag-IBIG account but must activate their account at their nearest Pag-IBIG Fund Branch.

Overseas Filipino Workers (OFWs), meanwhile, may enroll online and have their accounts activated through a special validation process.

7. How do I create a Virtual Pag-IBIG Account using my Loyalty Card Plus?

The easiest way to create your Virtual Pag-IBIG Account is by using your Loyalty Card Plus. Here’s how it works:

a. Log on to www.pagibigfund.gov.ph and click on Virtual Pag-IBIG;
b. Click “Create Account”;
c. Choose “Via your Loyalty Card Plus;”
d. Enter the following information:

• Pag-IBIG Fund Membership ID (MID) Number
• Bank issuer of your Loyalty Card Plus
• Last four (4) digits of your card number found at the reverse side of your Loyalty Card Plus

e. Input the One-Time Pin (OTP) sent to your mobile phone and proceed;
f. Enter the following information:

• Email Address
• Three (3) security questions and answers for password retrieval, in the event you forget your password

g. Receive a confirmation and your temporary password via your email; and
h. Create your new password and log-in to start enjoying even more services with your Virtual Pag-IBIG Account.

8. How do I create a Virtual Pag-IBIG Account without a Loyalty Card Plus?

If you do not have a Loyalty Card Plus, you can still create a Virtual Pag-IBIG Account. Just follow these steps:

a. Log on to www.pagibigfund.gov.ph and click on Virtual Pag-IBIG;
b. Click “Create Account;”
c. Choose “Create your account online and activate at the nearest Pag-IBIG Fund Branch”;
d. Enter the following information:

• Pag-IBIG Fund Membership ID (MID) Number
• Complete name
• Date of birth
• Mobile phone number

e. Input the One-Time Pin (OTP) sent to your mobile phone and proceed;
f. Enter the following information:

• Email Address
• Three (3) security questions and answers for password retrieval, in the event you forget your password in the future
• Mother’s Maiden Name
• Place of Birth

g. Upload a photo of your passport or two (2) government-issued identification cards;
h. Upload your picture holding at least one (1) of the identification cards you submitted;
i. Receive an SMS confirming that you have successfully created your Virtual Pag-IBIG Account; and
j. Activate your account by visiting the nearest Pag-IBIG Fund Branch within seven (7) days.

9. How do I create a Virtual Pag-IBIG Account if I’m an OFW?

If you are an OFW and is currently abroad, you can create your Virtual Pag-IBIG Account with these simple steps:

a. Log on to www.pagibigfund.gov.ph and click on Virtual Pag-IBIG;
b. Click “Create Account”;
c. Choose “Account Creation for OFWs”;
d. Enter the following information:

• Pag-IBIG Fund Membership ID (MID) Number
• Complete name
• Date of birth
• Philippine mobile phone number

e. Input the One-Time Pin (OTP) sent to your mobile phone and proceed;
f. Enter the following information:

• Country of Assignment
• Email Address
• Three (3) security questions and answers for password retrieval, in the event you forget your password
• Mother’s Maiden Name
• Place of Birth

g. Upload a photo of your passport or two (2) valid primary identification cards;
h. Upload your picture holding at least one (1) of identification cards you submitted;
i. Receive an SMS confirming that you have successfully created your Virtual Pag-IBIG Account; and
j. Your Virtual Pag-IBIG account will be activated within three (3) days.

10. What can I expect from Virtual Pag-IBIG in the future?

The following services are currently being developed and shall be offered by the Virtual Pag-IBIG soon:

a. For our member-employees, a facility will soon be available for the Application of Merging/Consolidation of Member’s Records
b. For our member-employers, we will be launching the Virtual Pag-IBIG for Employers, which will allow designated company representatives to endorse and track their employees’ loans online; and
c. For our partner-developers, we will be launching the Virtual Pag-IBIG for Developers, which will help fast-track housing loan applications by allowing our partner-developers to validate if a Pag-IBIG Fund member qualifies for a Pag-IBIG Housing Loan based on Pag-IBIG Fund requirements.

I have read about the Data Privacy Statement as well as the Pag-IBIG Fund Privacy Policy and express my consent thereto. In the same manner, I hereby express my consent for Pag-IBIG Fund to collect, record, organize, update or modify, retrieve, consult, use, consolidate, block, erase or destruct my personal data as part of my information. I hereby affirm my right to: (a) be informed; (b) object to processing; (c) access; (d) rectify, suspend or withdraw my personal data; (e) damages; and (f) data portability pursuant to the provisions of the Act and its corresponding Implementing Rules and Regulations.