Best Procedures on How to Avail or Apply PAG-IBIG Housing Loan

You can access the checklist of requirements for PAG-IBIG housing loan forms here.

• NCR Properties: To be filed in any of the following PAG-IBIG offices: Manila, Imus, Ortigas, Kamias and Makati (Filomena Building).
• Provincial properties: To be filed at the PAG-IBIG office nearest in your area.
• Processing period of your PAG-IBIG Housing loan application would take 15 working days.

• You are given 90 calendar days t do the following:

Purchase of House and Lot/Purchase of Condominium Unit/Purchase of Lot

• Give LOG to the seller
• Proceed to the BIR for payment of Capital Gains Tax and Documentary Stamp Tax. The BIR will issue Certificate Authorizing Registration
• Proceed to the Local Government Unit (LGU) for payment of Transfer Tax
• Proceed to the Registry of Deeds (RD) for transfer of title and annotation of mortage
• Proceed to the LGU for transfer of Tax Declaration

Purchase of House and Lot Mortgaged with PAG-IBIG Fund

• Proceed to the BIR for payment of Capital Gains Tax and Documentary Stamp Tax. The BIR will issue Certificate Authorizing Registration
• Proceed to the Local Government Unit (LGU) for payment of Transfer Tax
• Go to the PAG-IBIG office to schedule trip to the Registry of Deeds (RD) for transfer of title and annotation of mortage
• Proceed to the LGU for transfer of Tax Declaration

Construction of House/Home Improvement

• Proceed to the BIR for payment of Documentary Stamp Tax
• Proceed to the Registry of Deeds (RD) for annotation of mortgage

Refinancing

• Proceed to the Bank/Financing Institution to give the Letter of Guaranty (LOG) and Loan and Mortgage Agreement (LMA)
• Proceed to the Registry of Deeds (RD) for annotation of mortgage

Your loan will be ready for release within 7 working days

Bring 2 valid IDs

One month from check release / loan take-out (for house construction/home improvement, one month from final check release)