If you’re a Pag-IBIG member, you can remit your contributions and savings through the nearest Pag-IBIG branch or accredited payment centers. But if you’re looking for the most convenient way to pay contributions or savings, you can do so through the Virtual Pag-IBIG. This online portal gives you access to Pag-IBIG Fund services 24/7. Also, if you have concerns or inquiries about your membership, a Pag-IBIG service agent will be there to serve you. That’s why you don’t need to visit a Pag-IBIG branch, as you can access their services through the Virtual Pag-IBIG online portal.
The Home Development Mutual Fund (HDMF) or Pag-IBIG is an agency owned and controlled by the Philippine government under the Human Settlements and Urban Development. This agency provides affordable home financing and national savings programs for Filipinos in the Philippines and abroad. With Pag-IBIG, you can access various services and programs, such as home loans, short-term loans, and the MP2 Savings program. Recently, the agency introduced the Virtual Pag IBIG platform to make it easier for Filipinos to access their services and programs.
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What is Virtual Pag-IBIG
Launched by the Home Development Mutual Fund (HDMF), the Virtual Pag-IBIG is an online service facility that enables users to conveniently and safely access the services of Pag-IBIG Fund anytime and anywhere. It is accessible via computer or smartphone with an internet connection. This portal offers an online chat where members can learn more about the benefits of the Pag-IBIG Fund.
With the help of a Lingkod Pag-IBIG service officer, you can get answers to your inquiries or concerns. Therefore, you no longer need to visit a Pag-IBIG Fund branch since you can reach them 24/7 via the Virtual Pag-IBIG portal.
Virtual Pag-IBIG Services
By visiting the Virtual Pag-IBIG website, you can access the following services online:
- Register as a Pag-IBIG Fund member and obtain permanent Membership ID (MID) Number
- Remit your Pag-IBIG Fund Savings and MP2 Savings
- Open an MP2 Savings Account
- Set an appointment for the submission of documents for your Housing Loan Application.
- Apply for a Pag-IBIG Multi-Purpose Loan (MPL)
- Apply for a Pag-IBIG Calamity Loan (for members residing in areas declared under a state of calamity)
- Apply for a Pag-IBIG Home Equity Appreciation Loan (HEAL)
- Check your Loan Status (Calamity, Housing, and Multi-Purpose Loan)
- Pay your Pag-IBIG Fund loans (Calamity, Housing, Multi-Purpose Loan, and Home Equity Appreciation Loan)
- Apply for Interest-Rate Repricing on your Housing Loan
- Claim your Pag-IBIG Savings
- Chat with the Pag-IBIG Fund service agent 24/7 to answer your concerns and inquiries regarding the benefits and programs of Pag-IBIG Fund.
Added Services
If you have a Virtual Pag-IBIG account, you can also enjoy its premium services, such as:
- Check your Pag-IBIG Regular Savings Records (including the annual dividends it earned)
- Check your MP2 Savings Records (including the annual dividends it earned)
- Check your Loan Records (payments made and outstanding balance of Calamity, Housing, and Multi-Purpose Loan)
- Check the transaction history and account balance of your Loyalty Card Plus (currently available for cards issued by Asia United Bank)
How to Create an Account in Pag-IBIG Online Services
The features of Virtual Pag-IBIG are accessible even if you don’t have an online account. However, members are encouraged to create a Virtual Pag-IBIG account to access all the services on the platform. Members have three options to create a Virtual Pag-IBIG account. If you have a Loyalty Card Plus, you can use it for Virtual Pag-IBIG account creation.
Meanwhile, those who don’t have a Loyalty Card Plus can activate their account by visiting any Pag-IBIG Fund branch. Since the portal is accessible anytime and anywhere, Overseas Filipino Workers (OFWs) can also create a Virtual Pag-IBIG account. To create an account on Pag-IBIG online services, follow the steps below:
Create an Account with Loyalty Card Plus
- Visit the Pag-IBIG Fund website.
- Under e-Services, select Virtual Pag-IBIG for members.
- Click Create Account and Continue.
- To create a Virtual Pag-IBIG account, select “Via your Loyalty Card Plus” by tapping the Click Here button.
- Read the following instructions before clicking Next and Proceed.
- Prepare the following:
- Loyalty Card Plus
- Partner Bank that issued the card
- The last four (4) digits of your cash card number on the back of your card
- Active Philippine Cellphone Number (to receive the OTP)
- Active Email Address (to get the temporary password of your Virtual Pag-IBIG account.
- On the Account Creation page, enter your 12-digit Pag-IBIG MID No.
- Select any of the following Partner Bank that issued your Loyalty Card Plus:
- Union Bank of the Phils (UBP)
- Asia United Bank
- Robinsons Bank
- Enter the last four (4) digits of your cash card number.
- Review the details you entered and click Proceed.
- Input the One-Time Pin (OTP) you will receive via SMS.
- Enter a valid and active email address.
- Answer three (3) security questions to retrieve your password when you forget it.
- Go to your email and check the confirmation message with your temporary password.
- Then, log in to your Virtual Pag-IBIG account using your email and the temporary password. Also, create a new password you can easily remember.
Create an Account without Loyalty Card Plus
- Visit the Pag-IBIG Fund website.
- Tap Virtual Pag-IBIG for members under the e-Services.
- Click Create Account and Continue.
- To create your Virtual Pag-IBIG account without Loyalty Card Plus, tap the Click Here button under the option “Create and Activate your Account Online.”
- Before you proceed, read the following instructions.
- Prepare the following:
- 12-digit Pag-IBIG MID No (starting with number 1)
- Active Philippine Cellphone Number (to receive the OTP)
- Active Email Address (to get the temporary password of your Virtual Pag-IBIG account.
- Two (2) valid IDs with a clear photo and readable details, any of the following:
- Passport
- Driver’s License
- Professional Regulation Commission (PRC)
- National Bureau of Investigation (NBI) Clearance
- Police Clearance
- Postal ID
- Voter’s ID
- Barangay Certification/IDs or similar documents with a picture of the Pag-IBIG member
- Government Service Insurance System (GSIS) e-Card
- Social Security System (SSS) Card
- Senior Citizen Card
- Overseas Workers Welfare Administration (OWWA) ID
- Overseas Filipino Worker (OFW) ID
- Seaman’s Book or Seafarer’s Identification and Record Book (SIRB)
- Alien Certification of Registration/Immigration Certificate of Registration
- Government Office and GOCC ID (such as AFP ID, Pag-IBIG Fund Loyalty Card)
- Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
- Department of Social Welfare and Development (DSWD) Certification
- Integrated Bar of the Philippines ID
- Philippine Identification (PhilID) Card
- Company ID (issued by private entities/institutions registered/supervised/regulated by BSP, IC, or SEC)
- Also, prepare for a selfie with your valid ID.
- If submitting a passport as your valid ID, you should take a selfie and hold it while showing the data page.
- If you don’t have a passport, take a selfie with your two (2) valid IDs showing the front of the ID.
- Fill out the required details, including:
- Pag-IBIG MID No.
- Member’s Last, First, and Middle Name
- Date of Birth
- Mobile Number
- Review the details you entered and click Proceed.
- Input the One-Time Pin (OTP) you will receive via SMS.
- Enter the following details:
- Active email address
- Answer three (3) security questions for password retrieval
- Mother’s maiden name
- Birthplace
- Take a selfie with your passport or two (2) valid government-issued IDs. Hold your valid ID in one hand near your face. Ensure it’s clear before uploading your photo.
- Wait for a confirmation message via SMS regarding your account creation.
- Afterward, visit the nearest Pag-IBIG branch within seven (7) days to activate your account.
Create an Account for OFWs
- Visit the Pag-IBIG Fund websitehttps://www.pagibigfund.gov.ph/.
- Tap Virtual Pag-IBIG for members under the e-Services.
- Click Create Account and Continue.
- If you’re working abroad, you can create a Virtual Pag-IBIG account by tapping the Click Here button below the option “Account Creation for OFWs.”
- Read the following instructions before proceeding.
- Prepare the following:
- Pag-IBIG MID No.
- Active Philippine Cellphone Number (to receive the OTP)
- Active email address
- Two (2) valid government-issued IDs
- Selfie with your valid ID
- Fill out the required details, including:
- Pag-IBIG MID No.
- Member’s Last, First, and Middle Name
- Date of Birth
- Double-check the details you provided and click Proceed.
- Input the One-Time Pin (OTP) you will receive via SMS.
- Enter the following details:
- Host country
- Active email address
- Answer three (3) security questions for password retrieval
- Mother’s maiden name
- Birthplace
- Take a selfie with your passport or two (2) valid government-issued IDs and upload it.
- Wait for a confirmation message about your account creation.
- Then, your Virtual Pag-IBIG account will activate in three (3) days.
Frequently Asked Questions
How can I activate my Virtual Pag-IBIG account?
To activate your Virtual Pag-IBIG account, you should upload a selfie holding your passport or two (2) valid government-issued IDs. You’ll receive a confirmation regarding the successful creation of an account. Then, visit the nearest Pag-IBIG branch within seven (7) days to activate your account.
How will I know if my Virtual Pag-IBIG account is activated?
You’ll receive an SMS confirmation stating the successful creation of your Virtual Pag-IBIG account. After a few days, you’ll receive another confirmation stating your Virtual Pag-IBIG account has been activated. Also, the confirmation message includes instructions on how to access your account.
How long does it take for my Virtual Pag-IBIG account to be approved?
If you’re an OFW, it will take three (3) days maximum for your Virtual Pag-IBIG account to be approved.
Is there Virtual Pag-IBIG mobile app?
Yes, there is a Virtual Pag-IBIG mobile app. You can download it on Google Play or App Store.
Summary
The Virtual Pag-IBIG is a functional platform that makes it easier for members to access the Home Development Mutual Fund (HDMF) or Pag-IBIG services. With this online portal, Pag-IBIG members can enjoy various services right at their fingers, such as checking their loan status and savings records. You can also check your account balance and transaction history through the Virtual Pag-IBIG online platform if you have a Loyalty Card Plus issued by Asia United Bank.
Furthermore, members can pay their loans and remit or claim their Pag-IBIG savings. Most of all, the platform has a 24/7 chat feature, where a Lingkod Pag-IBIG service officer will help to address your concerns and inquiries. It’s like having a Pag-IBIG branch near you. Thus, we encourage members to create a Virtual Pag-IBIG account to access the HDMF’s services and handle their savings and loans.