How to Apply for Pag-IBIG Fund Calamity Loan

The Philippines is geographically located in the West Pacific Ocean, making it highly at risk of natural disasters, such as typhoons, storm surges, landslides, floods, and volcanic eruptions. To address this problem, the Home Development Mutual Fund (HDMF) or Pag-IBIG Fund launched the Calamity Loan, granting qualified members immediate financial assistance. For more details about this program, read on as we share how to apply for the Pag-IBIG Fund Calamity Loan.

Aside from preparedness and safety, the Philippine government understands that its citizens will require financial assistance when calamity strikes. That’s why the government offers the Pag-IBIG Fund Calamity Loan. This program aims to help Pag-IBIG Fund members and their families affected by calamities, including earthquakes, typhoons, tsunamis, storm surges, tornados, landslides, volcanic eruptions, and other similar disasters.

pagibig calamity loan application

What is Pag-IBIG Fund Calamity Loan

The Pag-IBIG Fund Calamity Loan is another Short-Term Loan (STL) from HDMF – a cash loan facility designed to help its members residing in areas affected by disasters and under a state of calamity. It aims to offer immediate financial aid to assist in the recovery of members affected by calamities. Under the Pag-IBIG Fund Calamity Loan, members can enjoy a low interest rate of 5.95% per annum and pay it within 24 or 36 months with deferred initial payment. Once under a state of calamity, qualified members should apply for the Calamity Loan within 90 days.

Furthermore, members can borrow up to 80% of their total Pag-IBIG Regular Savings, comprising their monthly contributions, employer contributions, and the accumulated dividends the account earned. Thus, members with high savings in their Pag-IBIG Regular Savings account can apply for a better loan through the Calamity Loan. However, members with existing Pag-IBIG Multi-Purpose Loan (MPL) can only borrow the difference of 80% of their total Pag-IBIG Regular Savings once deducted from the outstanding balance.

Qualified members may apply for the Pag-IBIG Fund Calamity Loan if they are affected by natural calamities, disasters, and hazardous events, such as:

  • Earthquake
  • El Niño and La Niña phenomena
  • Landslide
  • Tornado
  • Tsunami
  • Typhoon
  • Storm surge
  • Volcanic eruption


Before you proceed reading, check if you meet the following qualifications for the Pag-IBIG Calamity Loan:

  • Member should have at least 24 monthly membership savings on their Pag-IBIG Regular Savings account
  • Before applying for the loan, active members should have at least one (1) monthly membership savings within the last six (6) months.
  • If the member has an existing Pag-IBIG Calamity Loan, Housing Loan, or MPL, the account/s should not be in default.
  • Proof of income


For those who are qualified for the Pag-IBIG Calamity Loan, here are the following documentary requirements to secure:

For Members

  • One (1) original copy of the Calamity Loan Application Form (CLAF, HQP-SLF-066)
  • One (1) photocopy of valid ID accepted by Pag-IBIG Fund
  • Proof of income (for formally employed), any of the following:
  • Member should fill out the “Certificate of Net Pay” at the back of the application form
  • Photocopy of one (1) month’s latest payslip duly authenticated by the company’s authorized signatory
  • Proof of income (for self-employed), any of the following:
  • One (1) photocopy of ITR, Audited Financial Statements, and Official Receipt of tax payment from the bank supported by DTI Registrant and Mayor’s Permit/Business Permit
  • One (1) original copy of Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months)
  • One (1) original copy of Bank Statements or passbook for the past 12 months (if income is from foreign remittance, pension, etc.)
  • One (1) original copy of the Certified True Copy of Transport Franchise issued by the concerned government agency (LGU for tricycles, LTRFB for other PUVs)
  • One (1) original copy of the Certificate of Engagement issued by the owner of the business
  • One (1) original copy of the Notarized Affidavit of Income (HQP-SLF-136)
  • Proof of income (for OFWs), any of the following:
  • Employment Contract:
  1. One (1) photocopy of the Employment Contract between the employee and employer, or
  2. One (1) original copy of the POEA Standard Contract
  • Certificate of Employment and Compensation (CEC):
  1. One (1) original copy of CEC written on the Employer/Company’s official letterhead
  2. One (1) original copy of CEC signed by the employer (for household staff and employees with similar work) – supported by a photocopy of the employer’s ID and passport
  • One (1) original copy of the Income Tax Return filed with the Host Country/Government

Additional Requirements for Members Affected by El Nino Phenomenon only

  1. For farmers, landlords, fisher folks, and livestock farmers:
  • Certification from the Municipal Agricultural Office (MOA) indicating their products were killed/damaged by a calamity
  1. For business owners or market vendors:
  • Certification from the Market Vendors Association or Municipal Mayor (if not part of the association) verifying that the applicant is selling farm products, fish, meat, and vegetables. Also, the certification should attest that the applicant’s source of livelihood was affected by a calamity.
  1. For Pag-IBIG members or any of the immediate family members suffering from diseases, including chickenpox, cholera, diarrhea, heat cramps, heat exhaustion, heat stroke, hypertension, measles, and paralytic shellfish poising (red tide bloom):
  • Medical Certificate from the doctor – indicating that the illness/disease was due to the onset of calamity.

For Representatives

Obtain the additional documents if the applicant is a representative of the Pag-IBIG member:

  • Authorization Letter
  • One (1) photocopy of the valid IDs of the representative and member

Additional Requirements

  • Photocopy of the Payroll Account/Disbursement Card if releasing loan proceeds through the following:
  • Payroll accounts via the Land Bank of the Philippines (LBP)
  • Land Bank of the Philippines (LBP), Development Bank of the Philippines (DBP), United Coconut Planters Bank (UCPB) Cash Cards
  • Photocopy of Payroll Account/Disbursement Card duly certified by the employer (if applying through an employer)
  • Present the Payroll Account/Disbursement Card for authentication (for individual application)

Note: Present the original documents for all requirements submitted in photocopies for verification purposes.

How to Apply for Pag-IBIG Fund Calamity Loan

To apply for the Pag-IBIG Fund Calamity Loan, follow the steps below:

Via Virtual Pag-IBIG (Online)

  1. Visit the Virtual Pag-IBIG online portal at
  2. Tap “Apply for and Manage Loans” and select “Apply for a Short-Term Loan.”
  3. Prepare the following before you click the Proceed button:
  • Photo/scanned copy of your duly accomplished Calamity Loan Application Form (Click here to download the form; Check the Application Form front and back page)
  • Phothereo/scanned copy of one (1) valid ID
  • Cash Card, such as LandBank of the Philippines (LBP) Cash Card or Loyalty Card Plus issued by Asia United Bank (AUB) or Union Bank of the Philipines (Click here for Cash Card Guide)
  • Selfie Photo showing your valid ID and Cash Card
  1. Select Loan Type on the dropdown menu.
  2. Enter your 12-digit Pag-IBIG Membership ID (MID) Number.
  3. Tap Validate Your MID No.
  4. Fill out or upload your duly accomplished Loan Application Form and other requirements.
  5. Then, you’ll receive a notification regarding your Pag-IBIG Fund Calamity Loan application and a scheduled date to get your loan proceeds.

Via Pag-IBIG Fund Office/Employer (On-Site)

Members can also apply for the Calamity Loan through their employer or by visiting the nearest Pag-IBIG Fund branch office, given they are qualified and have all the necessary documents for application.


Considering that natural calamities and other disasters are unforeseen events, the Pag-IBIG Fund Calamity Loan will surely benefit many Filipinos. Whether affected by natural disasters or disease caused by the onset of calamity, members can apply for the Pag-IBIG Fund Calamity Loan to aid with their immediate financial needs. Therefore, members who save more on their Pag-IBIG Regular Savings account apply for a higher Calamity Loan.

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