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Pag-IBIG Multi-Purpose Loan
The Pag-IBIG Fund Multi-Purpose Loan (MPL) allows active Pag-IBIG Fund members to borrow up to 80% of their total accumulated value (TAV), which is equivalent to up to PHP 80,000 for many members, at an annual interest rate of 10.50%. Unlike SSS loans, the Pag-IBIG MPL draws against the member's savings balance, meaning loan proceeds reduce the member's fund value temporarily. Applications can be submitted online through the Virtual Pag-IBIG portal, with no branch visit required for most members.
Conditions summary
| Loan amount | ₱5,000 – ₱80,000 |
|---|---|
| Interest rate (p.a.) | 10.50 % |
| Repayment term | 12 – 24 months |
| Approval | 5-10 banking days |
| Type | Online |
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