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Pag-IBIG

Virtual Pag-IBIG: How to Access Pag-IBIG Services Online

Are you a Pag-IBIG member currently wondering how to make payments and access the agency’s services? Have no fear, because Virtual Pag-IBIG is here — an online portal where you can easily access Pag-IBIG’s services whenever, and wherever you may be!

Also Read: What is Pag-IBIG MP2 Savings Program?

What’s more, the online portal features a chat function, wherein a Pag-IBIG service agent is ever ready to answer questions and address concerns regarding your membership. Indeed, it’s like having a Pag-IBIG branch near you… anytime, anywhere!

Virtual pag-ibig

Image Credit: Wikimedia Commons (Pag-IBIG Fund logo)

A Quick Guide to Using Virtual Pag-IBIG

For many years now, the Home Development Mutual Fund (HDMF), better known as Pag-IBIG, has been providing Filipinos — both in the Philippines and abroad — with access to housing programs, short-term loans, and the recently introduced MP2 Savings program.

Recently, the Philippine government launched Virtual Pag-IBIG, a digital platform that enables members to access the agency’s programs and services online. Keep on reading to learn more about these services, as well as how you can create a Virtual Pag-IBIG account.

12 Services You Can Avail via Virtual Pag-IBIG

Using the Virtual Pag-IBIG online portal, you can:

  1. Register as a Pag-IBIG Fund member and get your permanent Membership ID (MID) Number;
  2. Open an MP2 Savings Account;
  3. Remit your Pag-IBIG Fund Savings and MP2 Savings;
  4. View your Savings Records (Pag-IBIG Fund Regular Savings and MP2 Savings, including annual dividends earned by these accounts);
  5. Apply for a Short-Term Loan (Multi-Purpose Loan or Calamity Loan);
  6. Schedule an appointment to submit documents for your Housing Loan Application;
  7. Pay for your Pag-IBIG Fund loans (Housing, Multi-Purpose, and Calamity Loans);
  8. Check your Loan Status (Housing, Multi-Purpose, and Calamity Loans);
  9. View your Loan Records (payments made and the outstanding balance of your Housing, Multi-Purpose, and Calamity Loans);
  10. Apply for Interest-Rate Repricing on your Housing Loan;
  11. View the account balance and transaction history of your Loyalty Card Plus; and
  12. Chat with a Pag-IBIG Fund service agent, 24/7, to address your questions and concerns about the programs and benefits of Pag-IBIG Fund.

New Services Coming Soon to Virtual Pag-IBIG

At present, the following services are being developed, and will soon be available via the Virtual Pag-IBIG platform:

  • Application for Merging/Consolidation of Member’s Records;
  • Virtual Pag-IBIG for Employers, which will allow companies to endorse and track their employees’ loans online; and
  • Virtual Pag-IBIG for Developers, which will enable partner-developers to validate if a member qualifies for a Pag-IBIG Housing Loan based on the necessary requirements.

How to Create a Virtual Pag-IBIG Account

Even if you do not create an online account, some features of Virtual Pag-IBIG are accessible. However, if you want to access all the services offered through the digital platform, members are urged to create a Virtual Pag-IBIG account.

Members can create a Virtual Pag-IBIG account in three ways, as follows:

Creating an Account with Loyalty Card Plus

If you happen to be a Pag-IBIG Loyalty Card Plus holder, you can easily create a Virtual Pag-IBIG account by following these steps:

  1. Log on to the Pag-IBIG Fund website and click on “Virtual Pag-IBIG.”
  2. Click on “Create Account.”
  3. Click on “Via your Loyalty Card Plus.”
  4. Enter the following data: (a) your Pag-IBIG Fund MID Number; (b) the bank issuer of your Loyalty Card Plus; and (c) the last four digits of your card number, which is located on the reverse side of your Loyalty Card Plus.
  5. Input the One-Time Pin (OTP) sent to your mobile phone.
  6. Enter the following date: (a) your email address; and (b) three (3) security questions and answers for password retrieval (in case you forget your password).
  7. Wait for a confirmation email containing your temporary password.
  8. Log-in, create a new password, and start using your Virtual Pag-IBIG account.

Creating an Account without Loyalty Card Plus

If you are not a Pag-IBIG Loyalty Card Plus holder, don’t worry because you can still create a Virtual Pag-IBIG account by taking these steps:

  1. Log on to the Pag-IBIG Fund website and click on “Virtual Pag-IBIG.”
  2. Click on “Create Account.”
  3. Click on “Create your account online and activate at the nearest Pag-IBIG Fund branch.”
  4. Enter the following data: (a) your Pag-IBIG Fund MID Number; (b) complete name; (c) date of birth; and (d) mobile phone number.
  5. Input the One-Time Pin (OTP) sent to your mobile phone.
  6. Enter the following data: (a) your email address; (b) three (3) security questions and answers for password retrieval (in case you forget your password); (c) your mother’s maiden name; and (d) your place of birth.
  7. Upload a photo of your passport or two (2) government issued IDs.
  8. Upload your picture holding at least one (1) of the IDs you submitted.
  9. Wait for an SMS confirmation stating that you have successfully created a Virtual Pag-IBIG account.
  10. Activate your account within seven (7) days by going to the nearest Pag-IBIG Fund branch.

Creating an Account if You’re an OFW

If you are an overseas Filipino worker (OFW) who is currently abroad, you can create a Virtual Pag-IBIG account by following these steps:

  1. Log on to the Pag-IBIG Fund website and click on “Virtual Pag-IBIG.”
  2. Click on “Create Account.”
  3. Click on “Account Creation for OFWs.”
  4. Enter the following data: (a) your Pag-IBIG Fund MID Number; (b) complete name; (c) date of birth; and (d) Philippine mobile phone number.
  5. Input the One-Time Pin (OTP) sent to your mobile phone.
  6. Enter the following data: (a) your country of assignment; (b) your email address; (c) three (3) security questions and answers for password retrieval (in case you forget your password); (d) your mother’s maiden name; and (e) your place of birth.
  7. Upload a photo of your passport or two (2) valid IDs.
  8. Upload your picture holding at least one (1) of the IDs you submitted.
  9. Wait for an SMS confirmation stating that you have successfully created a Virtual Pag-IBIG account.
  10. Your Virtual Pag-IBIG account will be activated within three (3) days.

DISCLAIMER: The above guide is presented for information-sharing purposes only. To learn more about Virtual Pag-IBIG, as well as how to access the agency’s programs and services, please visit the official website of Pag-IBIG Fund.

READ NEXT: How to Apply for a Pag-IBIG Housing Loan While Abroad

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