Amid the coronavirus disease which has been spreading all across the world, Pag-IBIG Fund has offered a digital processing of loans such as Calamity Loan.

Currently, the Philippines is placed under a state of calamity by President Duterte. This state of calamity will go on until six months or be lifted before or extended as per the mandates of the President.

Filipinos require financial assistance as they have lost their jobs or prevented from going to work due to the community quarantine and lockdowns implemented by their respective places.

With that, Pag-IBIG Fund is offering a Calamity Loan Program to “provide immediate financial aid to affected members in calamity-stricken areas.”

Here’s how to apply:


  • Duly-accomplished application form
  • Employer Confirmation of STL Application with your name on it
  • 1 valid ID
  • Front and back images of your LandBank, Loyalty Card Plus, UCPB, and DBP cash card


  • Must be a contributing member
  • Resides in an area declared a state of calamity by the Office of the President of the Local Sanggunian
  • Must have at least 24 months monthly membership
  • Must have sufficient proof of income
  • Must have updated payments


  1. Fill out the Calamity Loan Form. Signatures are not necessarily required for those who apply for their loans online. But for those who have access to printers, you can scan the form, print and sign it.
  2. After filling out the form, save it as a PDF file.
  3. Send it to the Human Resource Department of Pag-IBIG Fund, Fund Coordinator or authorized company representative. Make sure to include 1 valid ID and the image of your LandBank, Loyalty Card Plus or DBP cash card.

How much cash assistance can you borrow?

The Pag-IBIG Fund website states that applicants can borrow as much as “80% of their total Pag-IBIG Regular Savings.”

“It consists of their monthly contributions, their employer’s contributions, and accumulated dividends earned.”

For outstanding Calamity Loan and Multi-Purpose Loan, the amount that you can have is “the difference between the 80% of your total Pag-IBIG Regular Savings and the outstanding balance of your loan/s.”

When can qualified applicants allow to borrow?

It is indicated by Pag-IBIG that qualified applicants can borrow “within 90 days from the declaration of a state of calamity.”


How long is the processing time after the application was submitted?

Pag-IBIG vice president Kalin Franco-Garcia said in a statement that applications will be processes within 3-7 working days from the time is was submitted.

“This early, we apologize to our members as our usual processing time takes less than two days. However, in this pandemic that we are currently facing, we would like to assure our members that Pag-IBIG Fund is doing everything it can to release loans as fast as possible,” says Kalin.

How much is the interest rate and how do you pay?

The Pag-IBIG Fund website states that “the loan is payable within 24 months and comes with the initial payment due on the 3rd month after the loan release.”

You will be notified through text message once your loan has been approved.

Where to email the requirements?

Here are the list of email addresses based on the office address.

UPDATED as of March 22: We heard you. We have updated the loan application process to accommodate members who have no…

Posted by Pag-IBIG Fund (HDMF) on Friday, March 20, 2020

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