FREQUENTLY ASKED QUESTIONS

Frequently Asked Questions

1. What is the Virtual Pag-IBIG?

Virtual Pag-IBIG allows you to safely and conveniently access Pag-IBIG Fund’s services anytime, anywhere using just your smartphone or computer with internet connection. Virtual Pag-IBIG also provides a chat service with a Lingkod Pag-IBIG service representative ready to answer your inquiries or concerns.

It’s like having your own Pag-IBIG Fund branch ready to serve you 24/7, with just one click!

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

You can enjoy the following services via Virtual Pag-IBIG

a. Register as a Pag-IBIG Fund member and get your permanent Membership ID (MID)Number;
b. Top-Up your Pag-IBIG Regular Savings;
c. Open a Pag-IBIG MP2 Savings Account;
d. Save in the Pag-IBIG MP2 Savings or
e. View your Savings Records
f. Apply for a Pag-IBIG Multi-Purpose Loan (MPL)
g. Apply for Pag-IBIG Calamity Loan (for members whose area of residence is declared under a state of calamity)
h. Pay your Pag-IBIG Fund loans (Housing, Multi-Purpose, and Calamity Loans);
i. Check your loan status (Housing, Multi-Purpose, and Calamity Loans);
j. View your loan records (payments made and the outstanding balance of your Housing, Multi-Purpose, or Calamity Loans);
k. Apply for Interest-Rate Repricing on your Housing Loan;
l. View the account balance and transaction history of your Loyalty Card Plus (currently available for cards issued by Asia United Bank); and
m. Chat with a Lingkod Pag-IBIG, 24/7, to help you learn more about your Pag-IBIG Fund benefits.

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

Using just your smartphone or computer with internet connection, you can easily access the Virtual Pag-IBIG by visiting www.pagibigfund.gov.ph, and clicking on the Virtual Pag-IBIG button on the main menu.

You may also click www.pagibigfundservices.com/virtualpagibig/ to directly visit Virtual Pag-IBIG

4. I don’t have a Virtual Pag-IBIG account. Can I still enjoy its services?

Yes! You can enjoy the following Virtual Pag-IBIG services even if you do not have a Virtual Pag-IBIG account.

a. Register as a Pag-IBIG Fund member and get your permanent Membership ID (MID)Number;

b. Top-Up your Pag-IBIG Regular Savings;

c. Open a Pag-IBIG MP2 Savings account;

d. Save in the Pag-IBIG MP2 Savings or

e. Apply for a Pag-IBIG Multi-Purpose Loan (MPL)

f. Apply for Pag-IBIG Calamity Loan (for members whose area of residence is declared under a state of calamity)

g. Pay your Pag-IBIG Fund loans (Housing, Multi-Purpose, and Calamity Loans);

h. Check your loan status (Housing, Multi-Purpose, and Calamity Loans);

i. Apply for Interest-Rate Repricing on your Housing Loan; and

j. Chat with a Lingkod Pag-IBIG, 24/7, to help you learn more about your Pag-IBIG Fund benefits.

5. What added services will I enjoy with a Virtual Pag-IBIG account?

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

a. View your Savings Records;

b. View your loan records (payments made and the outstanding balance of your Housing, Multi-Purpose, or Calamity Loans); and

c. View the account balance and transaction history of your Loyalty Card Plus (currently available for cards issued by Asia United Bank); and

These services require a Virtual Pag-IBIG account for your security.

6. How can I create my 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 “Create Account” button.

The most convenient way to create a Virtual Pag-IBIG account is by using your Pag-IBIG Loyalty Card Plus. If you have one, choose this option and key in details found on your card to create your account

Members without a Pag-IBIG Loyalty Card Plus can still create a Virtual Pag-IBIG account by choosing the “Create and Activate your account online” option.

Overseas Filipino Workers (OFWs) may also create their accounts anytime, anywhere by choosing the “Account Creation for OFWs” option.

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

Here’s a few simple steps to create your Virtual Pag-IBIG account using your Loyalty Card Plus:

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

• Pag-IBIG Fund Membership ID (MID) Number
• Bank which issued 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 to help you retrieve your password in the event you forget this in the future

g. Receive a confirmation and your temporary password via your email; and
h. Create your new password and log-in to start enjoying the full range of services of Virtual Pag-IBIG

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

Create your Virtual Pag-IBIG account safely and conveniently by follow these simple steps:

a. Go to www.pagibigfund.gov.ph and click on Virtual Pag-IBIG on the menu bar;
b. Click “Create Account;”
c. Choose “Create and Activate your account online”;
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 to help you retrieve your password in the event you forget this 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 a selfie while 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;
j. Expect an SMS over the next few days informing you that your Virtual Pag-IBIG account has been activated; and
k. Please remember to immediately change your temporary password to protect your Virtual Pag-IBIG account.

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

If you are an OFW, currently abroad or at sea, you can easily 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 to help you retrieve your password in the event you forget this in the future
• 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. Expect an SMS over the next few days informing you that your Virtual Pag-IBIG account has been activated; and
k. Please remember to immediately change your temporary password to protect your Virtual Pag-IBIG account.

10. Will Virtual Pag-IBIG have even more services?

Yes! You may enjoy the following services via Virtual Pag-IBIG soon:

a. Pag-IBIG Housing Loan Online application; and
b. The Virtual Pag-IBIG for Developers, to help fast-track Pag-IBIG Housing Loan applications submitted by our accredited partner-developers.