Typhoons, floods, earthquakes—kahit gaano tayo kaingat, may mga bagay talagang hindi natin kontrolado. Good thing, Pag‑IBIG Fund offers a Calamity Loan to help members recover financially after a disaster.

In this post, I’ll show you how to file a Pag‑IBIG Calamity Loan, ano ang mga updated requirements, and why this might be a smart option if you’ve been affected by a recent calamity.

What is the Pag‑IBIG Calamity Loan?

The Pag‑IBIG Calamity Loan is a short-term loan designed to help members who live or work in areas declared under a state of calamity. It allows you to borrow up to 80% of your savings (TAV) in Pag‑IBIG, with:

• Low interest rate of only 5.95% per year
• 3-month grace period bago ka mag-start magbayad
• Payable in 24 months

Who Can Apply?

You can apply if:

• You’re an active Pag‑IBIG member with at least 24 monthly savings
• You live or work in an area declared under state of calamity
• You have proof of income (like payslip, remittance, or contract)
• You have no defaulted Pag‑IBIG loan

Pag‑IBIG Calamity Loan Requirements (2025)

Here’s what you need to prepare:

1. Filled-out Calamity Loan Application Form
   ➤ Download: Pag-IBIG Calamity Loan Application Form
2. 1 Valid Government-Issued ID
3. Proof of Income – Latest payslip, COE, remittance slip, etc.
4. Proof of Residence – Barangay cert, utility bill, etc.
5. Proof of Calamity Declaration – (For walk-in applications)

Note: If you’re applying online and your address is already tagged under a declared calamity zone, you may not need a barangay certificate.

How to File a Calamity Loan Online (via Virtual Pag‑IBIG)

Applying online is the fastest and most convenient way. No need to go to a branch!

Step-by-Step Guide:

1. Go to Virtual Pag‑IBIG
2. Click on “Apply for a Loan” then choose “Calamity Loan”
3. Log in using your Pag‑IBIG MID number
4. Fill out the application form and upload your documents
5. Wait for confirmation via email or SMS
6. Once approved, the loan proceeds will be released via:
   • Your Loyalty Card Plus, or
   • Your registered bank account

Processing Time: Usually 3 to 7 working days, depende sa volume ng applications.

How Much Can You Borrow?

You can borrow up to 80% of your Total Accumulated Value (TAV).

Example:
If your TAV is ₱30,000, you can borrow up to ₱24,000.

Loan Repayment Terms

• Term: 24 months
• Grace Period: First 3 months – no payment yet
• Payment options:
  • Salary deduction (if employed)
  • Virtual Pag‑IBIG
  • GCash, Maya, or Bayad Center branches

Is It Worth Applying For?

✔️ Yes, if you’ve been affected by a calamity and need financial relief
✔️ Yes, if you want a low-interest, government-backed loan
✔️ Yes, if you’re looking for flexible repayment terms

You can use this for:

• House or appliance repairs
• Temporary daily expenses
• Replacing damaged essentials

Reminders Before You Apply

• You can’t apply for both Calamity Loan and MPL at the same time
• If you have an existing Calamity Loan, you need to settle it first
• Make sure your Pag‑IBIG records (address and contact details) are updated

Blogger’s Corner

Hindi man natin kayang iwasan ang sakuna, we can prepare smart solutions to recover. The Pag‑IBIG Calamity Loan is one of the most affordable and accessible loan options out there.

✔️ Easy to apply
✔️ Low interest
✔️ Government-guaranteed

If you qualify, don’t hesitate. Use this tool to help you bounce back stronger.