The registration procedure is one of the most useful features of Pag-online IBIG's site. The Membership Registration System, Employers Online Registration System, Modified PAG-IBIG 2 Enrollment System, and Kasambahay Unified Registration are the four categories. Other online services available include the Online Payment Facility, OFW Member's Contribution Verification System, Housing Loan Application System, Housing Loan Verification, Housing Loan Moratorium Application System, and Short-term Loan Filing System, in addition to the registration system.
The basics of Pag-IBIG online services will be discussed in this post. If you're a Pag-IBIG contributor, now is the time to take advantage of the benefits available and maximize the value of your monthly donations.
A Step-by-Step Method to Becoming a Pag-IBIG Member.
Employees, OFWs, and the self-employed are the three sorts of persons who should participate in and profit from the Pag-IBIG fund. The first step that all three of these people must take is to join Pag-IBIG. Please keep in mind that this is a one-time event. If you are a new employee, it is likely that your employer will register you for Pag-IBIG on your behalf (and you should make sure they do).
If you move employment, there's no need to re-register; simply keep track of your Pag-IBIG number, which your new office's HR/Accounting should utilize to deposit your monthly payments. The first step is to visit the PAG-IBIG site. Simply go to Pag-IBIG's website and seek for the e-services option to sign up for a membership. Next, go to the membership registration page. You will be transported to another page after clicking the e-services button, where you will find the membership registration button. Continue on the Online Membership Registration page.
Thirdly, fill in your name, birthday, and phone number on the form. Input some required information, such as your name, birthdate, and cellphone number, to allow Pag-IBIG to check their member database to see whether you have already registered or if you are a new applicant. After that, click the "Continue" button. Complete the application form with all of your personal information. You will be led to another website, which is your virtual Pag-IBIG Fund membership application form, after clicking proceed.
Make certain you complete out all of the required information. Take notice that the form has eight tabs: Member Info, Other Info, Address, Contacts, Heirs, Member Category, and Employment History, to name a few. Go through each tab and fill in all of the information requested. Lastly, send your application in. When you've finished filling out the form, go to the Summary tab and submit your registration. You'll be sent to the Successful Registration page if your sign-up was successful. Pag-IBIG will send you an SMS to confirm your registration.
How to Withdraw and Contribute to the Pag-IBIG fund
Pag-IBIG members can withdraw or end their membership in six different methods.
1. Retirement
When you reach the age of 65 in the Philippines, you will be required to retire and thus entitled to receive your Pag-IBIG contributions. However, if you work for the government or the SSS or GSIS, you can retire five years early at the age of 60 and still be eligible to receive your contributions. Furthermore, members employed by private firms can follow their employer's retirement plan and retire as early as 45 years old while still being able to file claims.
Requirements for Pag-IBIG members who are retiring
Basic prerequisites:
- (a) A claim form (Application for Provident Benefits (APB) claim form) that is completely filled out.
- (b) 2 valid IDs (original and photocopy) (including Pag-IBIG Loyalty Card, if any)
- (c) Service record has been updated (for government employees)
- (d) For members who are unable to make their claims directly, a Special Power of Attorney and two valid IDs are required for both the member and the authorized representative.
Additional conditions:
- (a) For private employees, a certificate of early retirement (notarized) is required (at least 45 years old)
- (b) Voucher for GSIS Retirement (for government employees)
- (c) Retired in this order (for members under AFP, PNP, BJMP, and BFP)
- (d) For members of the AFP, a statement of service or a service record is required (for members under PNP, BJMP, and BFP)
2. Death
Contributions of dead Pag-IBIG members will be distributed to their rightful heirs in compliance with the New Civil Code as revised by the New Family Code. An authorized representative or any designated court administrator or executor who may file the application for Provident Benefits Claim can also file the claim.
If a Pag-IBIG member dies, there is a checklist of obligations to follow.
Basic prerequisites:
- (a) A claim form (Application for Provident Benefits (APB) claim form) that is completely filled out.
- (b) 2 valid IDs (original and photocopy) (including Pag-IBIG Loyalty Card, if any)
- (c) Service record has been updated (for government employees)
- (d) For members who are unable to make their claims directly, a Special Power of Attorney and two valid IDs are required for both the member and the authorized representative.
- (e) The PSA issues a member's death certificate. If you don't have a PSA-issued Death Certificate, you can submit any of the following:
- (f) PSA verified a death certificate issued by the Local Civil Registry Office (LCRO).
- (g) Photocopy of Death Certificate produced by PSA and stamped by Pag-IBIG office as "Original Document Seen" (if with Pag-IBIG housing loan and the document was previously submitted to Pag-IBIG office for MRI settlement)
- (h) The Certificate of Death issued by the Philippine Consulate General/Philippine Embassy in the country where the member died should be officially certified by the Philippine Consulate General/Philippine Embassy in the country where the member died.
- (i) The Certificate of Death issued by the Philippine Consulate General/Philippine Embassy in the country where the member died should be officially certified by the Philippine Consulate General/Philippine Embassy in the country where the member died.
- (j) Proof of Legal Heirs Who Have Survived (HQP-PFF-030, notarized)
- (k) PSA issues a Certificate of No Marriage (CENOMAR) (if the deceased member is single)
- (l) PSA has produced a Marriage Contract and Marriage Advisory (if the deceased member is married)
- (m) PSA-issued birth certificates or Baptismal or Confirmation certificates for all children (if there are any)
- (n) Affidavit of Guardianship (HQP-PFF-028, notarized) (If child/children are under the age of 18 or are physically or mentally incapacitated)
- (o) The claimant must present one of the following to show kinship with the deceased member: a. PSA-issued birth certificate or dead member/baptismal claimant's or confirmation certificate b. PSA Birth Record Non-availability and Joint Affidavit of Two Disinterested Persons (HQP-PFF-029, notarized)
3. Insanity or permanent complete disability
The following impairments are considered complete and permanent:
- (a) Incurable imbecility or insanity as a result of a brain injury
- (b) Both eyes are completely blind.
- (c) Two limbs are lost at or above the ankle or wrist.
- (d) Two limbs are permanently paralyzed.
- (e) A temporary complete incapacity that lasts for more than four months (120 days)
- (f) Other situations determined by a validly licensed physician to be complete and permanent incapacity and authorized by the Board of Trustees
Basic prerequisites:
- (a) A claim form (Application for Provident Benefits (APB) claim form) that is completely filled out.
- (b) 2 valid IDs (original and photocopy) (including Pag-IBIG Loyalty Card, if any)
- (c) Service record has been updated (for government employees)
- (d) For members who are unable to make their claims directly, a Special Power of Attorney and two valid IDs are required for both the member and the authorized representative.
- (e) A physician's certification or declaration
- (f) Total Disability Voucher from the Social Security Administration (for private employees)
- (g) Statement of Service, Last Payment Statement, and Compulsory Disability Discharge (CDD) Order have all been updated (for AFP, Philippine Navy, and Army members)
4. Health-related termination or separation from service
If you are unable to work due to serious health problems, you may still claim your Pag-IBIG payments as long as you have a doctor's certificate to support your claim.
Basic prerequisites:
- (a) A claim form (Application for Provident Benefits (APB) claim form) that is completely filled out.
- (b) 2 valid IDs (original and photocopy) (including Pag-IBIG Loyalty Card, if any)
- (c) Service record has been updated (for government employees)
- (d) For members who are unable to make their claims directly, a Special Power of Attorney and two valid IDs are required for both the member and the authorized representative.
- (e) Certification or statement from a physician
- (f) Notarized sworn employer’s Certification of member’s employment termination due to health reasons
- (g) Latest SSS Disability Voucher (for private employees)
5. Maturity of membership
Before making a claim, a member must have paid at least 240 monthly membership contributions. It will expire in 5, 10, 15, or 20 years for Pag-IBIG Overseas Program (POP) participants, depending on their membership selection.
Basic prerequisites:
- (a) A claim form (Application for Provident Benefits (APB) claim form) that is completely filled out.
- (b) 2 valid IDs (original and photocopy) (including Pag-IBIG Loyalty Card, if any)
- (c) Service record has been updated (for government employees)
- (d) For members who are unable to make their claims directly, a Special Power of Attorney and two valid IDs are required for both the member and the authorized representative.
- (e) PSA-issued Birth Certificate, Social Security Card, or GSIS Retirement Voucher, or at least two valid IDs with birthday, photo, and signature
- (f) Certificate of Early Retirement Notarized (for private employees aged 45 and above)
- (g) Statement of final payment, updated Statement of Service, and order of retirement (for AFO, Philippine Navy, and Army members)
6. Permanent leave of absence from the nation
Before you leave the nation to reside permanently overseas, you can withdraw your Pag-IBIG contributions. To do so, you must first provide documentation of your new address before the claim can be approved.
Basic prerequisites:
- (a) A claim form (Application for Provident Benefits (APB) claim form) that is completely filled out.
- (b) 2 valid IDs (original and photocopy) (including Pag-IBIG Loyalty Card, if any)
- (c) Service record has been updated (for government employees)
- (d) For members who are unable to make their claims directly, a Special Power of Attorney and two valid IDs are required for both the member and the authorized representative.
- (e) Sworn Declaration of Intention to Depart the Philippines Permanently, notarized
- (f) Passport photocopy
- (g) Any other similar document, such as an immigrant visa, a residency visa, or a settlement visa
For more information, visit the Pag-IBIG Fund website at www.pagibigfund.gov.ph. Apply for a housing loan today and own your dream home with us.
Read the second part of the guide on how to claim benefits and thee different payment methods available here.