The recent 6.9-magnitude earthquake that struck Cebu has left thousands of families displaced and properties damaged. In response, Pag-IBIG Fund members living in areas declared under a state of calamity may now apply for a Pag-IBIG Calamity Loan to help them recover financially.

Who Can Apply?

Pag-IBIG members who:

• Reside in Cebu areas officially declared under a state of calamity.
• Have made at least 24 monthly contributions.
• Have an active Pag-IBIG membership at the time of application.

Areas Declared Under State of Calamity

As of the latest reports, the following have declared a state of calamity due to the Cebu earthquake:

• Cebu Province – The entire province was placed under a state of calamity.
• Bogo City – One of the hardest-hit areas with major damage and casualties.
• San Remigio – Declared a local state of calamity due to structural damage.

Note: This list is based on initial media reports. The official list of covered areas may expand as more LGUs make declarations. Always check official LGU announcements, NDRRMC updates, or Pag-IBIG advisories for confirmation before filing your loan.

Loan Features

• Borrow up to 80% of your Pag-IBIG Regular Savings (contributions + employer share + dividends).
• Low interest rate of 5.95% per year.
• Two-year repayment term with a grace period on the first payment.

How to Apply

You can apply for the Pag-IBIG Calamity Loan either:

• Online via the Virtual Pag-IBIG website, or
• In person at the nearest Pag-IBIG branch.

Make sure to bring a valid ID and proof of residence in the declared calamity area.

Blogger’s Corner

If you’re one of those affected by the Cebu earthquake, this is one small way Pag-IBIG can help you rebuild. While no loan can ever replace what was lost, having quick access to affordable financing can ease the burden while waiting for longer-term recovery assistance.

For the full step-by-step process, check out my complete guide here: Pag-IBIG Calamity Loan Guide.