One of the favorite salary loan for employees is the PAGIBIG Salary Loan, it is pretty much the twin of SSS Salary Loan. It is very easy to avail and only takes few steps to actually file and get the loan proceeds.

I have been applying for PAGIBIG Loan since 2010 and it has always been dedicated for home repairs and renovation. The amount of loan will depend on the contribution you have and it is payable for two years by salary deduction. I think those who have availed of the PAG-IBIG loan several times would agree about it being “hindi ramdam”  during salary deduction right? 🙂

Let’s get started!

Below is the short-term loan availment  procedure as posted on the PAGIBIG Branch. As noted, kindly register first online and have your MID and RTN ready.

First, fill out the Salary Loan Form which you can ask for a copy from your HR/Finance. If they don’t have it, you can ask the guards at the PAGIBIG Office for one. Please have 2 witnesses and ask them for a signature. I remember missing those witnesses and I was sad because I had to go back again!

Next, have a copy of your payslip and have it authenticated by your HR/Finance Department. If you have a “print me” version of your payslip, that would be great. If not, you can fill out the back portion of the application form manually. It is very important that you have it authenticated by HR/Finance. I have seen quite a number of applicants being denied because they have their copy of payslips but not authenticated.

Have a photocopy of your valid IDs. I suggest you bring them all so the Pag-Ibig Officer will have lots of options. Some of my IDs were not accepted so it was a good thing I brought a bunch. When you go to their office, don’t forget to bring the original as well because they will check it. Below is a list of valid IDs acceptable by PAG IBIG.

The last step would require going to their office. Please note that you have to go to the PAGIBIG Branch that has jurisdiction over your company. There are people being denied because they are in the wrong branch so check with your officemates or HR which branch you should go.

At the PAG IBIG branch, head to the reception area and they will check if you have complete requirements and then will give you a number to proceed.

You will be queued and the your number will be displayed on which counter you should go to. Good thing everyone is seated and the place is really well airconditioned so you won’t be drained. Based on my experience, it won’t take an hour to complete the transaction.

The PAGIBIG Officer will check all your requirements and once approved, you will be given the STL Acknowledgement Receipt as well as the Cash Card where the loan proceeds will be credited.

After 3 – 5 working days, you will receive a text that your PAGIBIG Loan has been credited. Proceed to the Landbank ATM and withdraw the cash.

Easy right? 🙂

Lastly, do not forget to go back to the PAGIBIG Branch and ask for the Statement of Account. You will then give the SOA to your HR/Finance Team for salary deduction. 🙂

Hope this helped you. Feel free to comment or share this post to your friends. 🙂

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