Overseas Filipino Workers (OFW) who are active members of Pag-IBIG can loan a specific amount that they can use to buy a new house or finance the reconstruction of their current houses. As simple as it may seem, members are obliged to secure several requirements to ensure that those who granted loan money are capable enough to pay the monthly amortizations.

Members are allowed to apply for a housing loan from as low as PhP100,000 to as high as P3,000,000. However, there are two-factors that indicates the loanable amount for each member. First is the monthly contribution of each member and the second factor is the disposable income of members. These factors are reviewed by Pag-IBIG and they will determine the amount for the monthly amortization.

As for the capacity to pay the Pag-IBIG loan, members with a monthly contribution amounting to P200 can get a loan as much as P500,000. Members with a contribution of P400 can get a loan as much as P900,000 – P1,000,000. Those who have a higher contribution as much as P950 and P1,450 can get a maximum loan of P2,000,000 and P3,000,000 respectively. OFWs will have to convert this amount in US Dollars or Philippine Peso.

According to the rule of Pag-IBIG, members are only allowed to get a loan up to 40% of their net disposable income.


  • Minimum of 24 months contribution
  • Sufficient disposable income
  • No withstanding loan in Pag-IBIG
  • No multi-purpose loans upon the submission of the application
  • Applicants must be 65 years old and below


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