Pag-IBIG contribution 2026: how much members and employers pay
Rates come from RA 9679 Sec. 7; the ₱10,000 fund-salary cap from Circular 460 (contributions from February 2024).
| Member type | Member pays | Employer pays | At ₱25,000 pay |
|---|---|---|---|
| Employed, pay ₱1,500 or less | 1% | 2% | ₱15 + ₱30 (at ₱1,500) |
| Employed, over ₱1,500 | 2% | 2% | ₱200 + ₱200 |
| Self-employed | Both shares | — | ₱400 |
| Kasambahay below ₱5,000 | Nothing | The whole contribution | ₱160 (at ₱4,000) |
| Voluntary, non-working spouse | Employee rate on 50% of the working spouse's fund salary | No employer share | ₱100–₱200 if the working spouse earns ₱25,000 (check with Pag-IBIG) |
| OFW | Check with Pag-IBIG | Circular 460 is silent | — |
Source: HDMF Circular 460 (15 January 2024, text via mirror), Items C.1–C.3. Fund salary = basic pay plus allowances, counted up to ₱10,000. Circular 460 does not say whether that cap applies before or after a non-working spouse's base is halved, hence the range. Amounts computed with the shared module. As of November 2026.
Pag-IBIG contribution by monthly pay
Employed members, 2026
- Employee
- Employer
| Row | Employee | Employer |
|---|---|---|
| ₱1,500 | ₱15 | ₱30 |
| ₱5,000 | ₱100 | ₱100 |
| ₱10,000 | ₱200 | ₱200 |
| ₱25,000 | ₱200 | ₱200 |
See every member type and the withdrawal rules on the Pag-IBIG contributions page, or compare all three payroll deductions on the benefits hub.
Pag-IBIG benefits for members: what your membership gets you
| Program | Key figure | Who qualifies | Our page |
|---|---|---|---|
| Regular savings | Dividend 6.62% for 2025 (GMA News, 27 Feb 2026) | All members | Contributions |
| MP2 savings | ₱500 minimum, 5 years, 7.12% for 2025; government-guaranteed | Any member, any income; pensioners with 24 savings | MP2 |
| Housing loan | Up to ₱10 million (Philstar, 29 May 2026), up to 30 years | 24 monthly savings; 65 or under at application | Housing loan calculator |
| Socialized 4PH rate | 3% for the first 5 years (Philstar, 31 Mar 2026) | First-time buyers earning up to ₱47,855.82 in NCR; OFWs regardless of income, but the other 4PH conditions (first-time buyer, unit price ceilings) still apply | Housing loan calculator |
| Multi-Purpose Loan | Up to 90% of regular savings, 1–3 years (GMA News, 1 May 2025) | 12 monthly savings | Multi-purpose loan |
| Calamity loan | Up to 90% of regular savings at 5.95% a year (Tribune, 22 Jul 2025), 2 or 3 years after a 3-month grace period (Circular 449) | Residence or workplace in a declared calamity area (Circular 449); file within 90 days | Virtual Pag-IBIG or a branch |
| Loyalty Card Plus | Cash card plus discounts at 507 partners (Philstar, 13 Mar 2026) | All members | Pag-IBIG branch |
Pag-IBIG's own site could not be read for this page, so loan and dividend figures are Pag-IBIG announcements as reported by the outlets named; MP2 terms are from Circular 407 and loan age and contribution rules from Circular 403 (texts via mirror). The MPL interest rate is one rate stated two ways: 10.5% a year add-on, which Circular 448 states equals 17.5% a year (1.4583% a month) on the diminishing balance; the loan offer in Virtual Pag-IBIG shows the exact amortization. As of November 2026.
Pag-IBIG housing loan rates in 2026
Applications filed by 31 December 2026 can get a promo rate of 4.5% or 5.75% a year, fixed for the first 3 years, then repriced; the same rates apply to foreclosed properties bought on long-term installment (Philstar, 21 Jun 2026). Before the promo, the 3-year fixed rate was 6.25% (GMA News, 18 Jun 2026). The 4.5% tier runs up to ₱4.9 million and 5.75% applies above that, up to ₱10 million (Tribune, 30 Jun; IBC13, 7 Jul; PNA, 14 Oct 2026); only the first reports, on 18–21 June, said ₱2.5 million. Socialized 4PH loans stay at 3% for the first 5 years. The loan must be repaid by age 70. Model your amortization with the housing loan calculator.
Pag-IBIG dividend rates: regular savings vs MP2
Dividend rate by year earned, 2018–2025
- MP2
- Regular savings
| Point | MP2 | Regular savings |
|---|---|---|
| 2018 | 7.41% | 6.91% |
| 2019 | 7.23% | 6.73% |
| 2020 | 6.12% | 5.62% |
| 2021 | 6% | 5.5% |
| 2022 | 7.03% | 6.53% |
| 2023 | 7.05% | 6.55% |
| 2024 | 7.1% | 6.6% |
| 2025 | 7.12% | 6.62% |
Pag-IBIG officials cite a rule in the implementing rules of RA 9679 that at least 70% of each year's net income be paid as dividends (RA 9679 itself sets no percentage); for 2025 the payout was 98.6% (PNA, 28 Feb 2026). Past rates do not guarantee future ones.
Pag-IBIG services: what you can do online and at a branch
| Task | Where | Form | Our page |
|---|---|---|---|
| Register as a member | Virtual Pag-IBIG: an MDF with a Registration Tracking Number | Member's Data Form (HQP-PFF-039) | MDF form |
| Pay contributions or MP2 | Virtual Pag-IBIG, GCash, Maya, ECPay, branches, salary deduction | — | Contributions |
| Open an MP2 account | Virtual Pag-IBIG → Apply for MP2 | — | MP2 |
| Multi-purpose loan | Virtual Pag-IBIG, a branch or your employer | — | Multi-purpose loan |
| Housing loan | Branch; see the loan offer for your rate | — | Housing loan calculator |
| Claim savings (maturity, optional withdrawal, retirement at 65, MP2 maturity) | Virtual Pag-IBIG; other grounds at a branch | APB Claim (HQP-PFF-285) | Contributions |
| Buy a foreclosed property | Acquired Assets page on pagibigfund.gov.ph | — | Pag-IBIG site |
Sources: HQP-PFF-377 claim checklist (V05, April 2023); Philstar Life, 28 Feb 2026 (MP2 enrolment and payment channels); Pag-IBIG FAQ via search snippet (online claims). As of November 2026.
When can you withdraw your Pag-IBIG savings?
Resigning, being laid off or going unemployed does not end membership, so it does not release your savings (Circular 380-17).
| Ground | Rule |
|---|---|
| Membership maturity | 20 years with at least 240 monthly savings |
| Retirement | 65 compulsory; optional at 60, on SSS or GSIS retirement, or under an employer plan from 45, if you have no Pag-IBIG housing loan (Circular 380-17) |
| Optional withdrawal | After 15 years, with no outstanding housing loan (RA 9679 Sec. 8) |
| Disability or ill health | Permanent total disability, insanity, or separation for health reasons |
| Permanent departure | Leaving the Philippines for good |
| Death | Paid to the legal heirs |
| Other | Critical illness of the member or family; expatriates |
Sources: RA 9679 Secs. 4, 8; HDMF Circular 380-17 (12 May 2017, text via mirror); HQP-PFF-377 V05. In April 2026 repatriated Middle East OFWs were allowed to withdraw up to 100% early (Manila Bulletin, 6 Apr 2026). As of November 2026.
Pag-IBIG in 2026: what changed
27 Feb 2026
Record dividends for 2025: 6.62% regular, 7.12% MP2 (GMA News).
Apr 2026
Package for repatriated Middle East OFWs: early withdrawal and a 3-month housing-loan moratorium (Manila Bulletin).
Late May 2026
Housing loan ceiling raised from ₱6 million to ₱10 million, as announced (Philstar, 29 May 2026; effective date not reported).
18 Jun 2026
Promo rates of 4.5% and 5.75%, fixed for 3 years, for applications filed by 31 Dec 2026 (Philstar, 21 Jun 2026).
Oct 2026
3% socialized rate kept; up to 30% off selected foreclosed properties (Tribune, 20 Oct 2026).
Common mistakes
| Mistake | What happens | Do this instead |
|---|---|---|
| Still remitting ₱100 | Short remittance since Feb 2024 | Remit ₱200 on pay of ₱10,000 or more |
| Registering again when you forget your MID | Duplicate records | Verify your MID in Virtual Pag-IBIG first |
| Picking the wrong MP2 payout | It cannot be changed mid-term | Choose annual payout or compounding carefully |
| Applying for a housing loan with under 24 savings | Application stalls | Pay the shortfall in a lump sum |
| Expecting MP2 to qualify you for loans | Loan refused | Keep regular savings active |
| Expecting your employer to match top-ups | Only the mandatory share is matched | Agree any matching in writing |
Forms and registration
Register online and fill in the Member's Data Form.
Contributions and savings
Regular savings by member type, withdrawals, and MP2 with its dividend calculator.
Loans
Monthly amortization for a housing loan and how much you can borrow in cash.
Buod sa Tagalog
Ang Pag-IBIG Fund ay sapilitang ipon para sa lahat ng miyembro ng SSS o GSIS, pati OFW at kasambahay. Hanggang ₱200 ang hulog mo kada buwan at ₱200 ang idinadagdag ng employer. Kumikita ng dibidendo ang ipon (6.62% para sa 2025; 7.12% sa MP2) at makukuha mo pagkalipas ng 20 taon o pagretiro. Puwede ka ring mag-loan para sa bahay, cash o kalamidad.
Frequently asked questions
+What are the benefits of Pag-IBIG membership?
Your monthly savings earn yearly tax-free dividends and come back with them at maturity, retirement or another ground. Membership also opens housing loans of up to ₱10 million (Philstar, 29 May 2026), multi-purpose and calamity loans, the MP2 savings program, and the Loyalty Card Plus with merchant discounts.
+How much is the Pag-IBIG contribution in 2026?
Employees earning over ₱1,500 pay 2% and employers 2%, on pay up to ₱10,000, so the usual amount is ₱200 each a month (Circular 460, from February 2024). Employees earning ₱1,500 or less pay 1%. Self-employed members pay both shares, up to ₱400. You may contribute more voluntarily.
+How much can I borrow from the Pag-IBIG multi-purpose loan?
Up to 90% of your total regular savings, including your employer's share and dividends, payable over 1, 2 or 3 years. You need 12 monthly savings. These terms took effect on 16 May 2025 (GMA News, 1 May 2025). Interest is 1.4583% a month on the diminishing balance, which Circular 448 states as 10.5% a year add-on; your loan offer shows the exact amortization.
+How much is the Pag-IBIG calamity loan interest?
5.95% a year (Tribune, 22 July 2025), payable over 2 or 3 years with the first payment after a 3-month grace period (Circular 449). You can borrow up to 90% of your regular savings if you live or work in an area declared under a state of calamity, and must apply within 90 days of the declaration.
+When can I withdraw my Pag-IBIG savings?
At membership maturity (20 years and 240 monthly savings), at retirement (65, or optionally from 60 if you have no Pag-IBIG housing loan), on permanent total disability or ill-health separation, on permanent departure from the country, or on death. Members who joined after RA 9679 may also withdraw after 15 years if they have no housing loan. Resignation alone does not qualify.
+How much did Pag-IBIG MP2 earn in 2025?
7.12% a year, against 6.62% for regular savings. Pag-IBIG announced both rates on 27 February 2026, as reported by GMA News and PNA; total dividends were ₱64.34 billion, the highest in the Fund's history. MP2 requires ₱500 per payment, runs five years and is government-guaranteed.
+How do I become a Pag-IBIG member?
Register in Virtual Pag-IBIG: fill in the Member's Data Form online and you get a Registration Tracking Number, then a permanent MID number. Your 20-year membership term counts from the month of your first contribution (RA 9679 Sec. 4). Voluntary members must be 18 to 65 years old (Circular 460). Our MDF page walks through every field.
+What can I do in Virtual Pag-IBIG?
Register and get a Member's Data Form with a tracking number, verify your MID, open and pay into MP2, apply for a multi-purpose or calamity loan, and file some savings claims online: membership maturity, optional withdrawal, retirement at 65 and MP2 maturity. Other claims and housing loans are handled at a branch.
Sources and references
- RA 9679 — Home Development Mutual Fund Law of 2009 — coverage, rates, membership term, tax exemption (checked November 12, 2026)
- HDMF Circular No. 460 (15 January 2024) — ₱10,000 maximum fund salary, rates by member type (text via mirror) (checked November 12, 2026)
- HDMF Circular No. 407 — MP2 guidelines — ₱500 minimum, 5-year term, payout options (text via mirror) (checked November 12, 2026)
- HDMF Circular No. 380-17 — membership termination — withdrawal grounds (text via mirror) (checked November 12, 2026)
- GMA News, 27 Feb 2026 — 2025 dividends: 6.62% regular, 7.12% MP2 (checked November 12, 2026)
- Philstar, 29 May 2026 — housing loan ceiling raised to ₱10 million (checked November 12, 2026)
- Philstar, 31 Mar 2026 — 3% socialized 4PH rate kept (checked November 12, 2026)
- GMA News, 1 May 2025 — MPL up to 90% of savings, 12 contributions (checked November 12, 2026)
- Tribune, 22 Jul 2025 — calamity loan at 5.95% (checked November 12, 2026)
- Virtual Pag-IBIG — official online services (checked November 12, 2026)
Back to the SSS, Pag-IBIG, PhilHealth and GSIS benefits hub for the combined contribution calculator and the other agencies.
Author and editorial review
Deepak Middha, Chartered Accountant
Chartered Accountant with 18 years in hedge funds; writes and maintains sulat.ph. Every rate, ceiling, deadline and fee on this page is taken from the law or the agency's own circulars and official announcements and was checked against that source on November 12, 2026. Where a figure could not be confirmed officially, the page says so.
Spotted an error or an outdated rule? Send a correction.
Next step
Your monthly savings decide your loan limits and what you get back. Check your contribution first, then MP2 or a loan.
Pag-IBIG contributions 2026 →