Typhoon season is here again, and if your area has been officially declared under a state of calamity, you might be wondering:
Pwede ba akong mag-file ulit ng Pag-IBIG Calamity Loan kahit meron pa akong existing loan?
Let’s clear that up in this guide—especially if you currently have an active Multi-Purpose Loan (MPL) or another Calamity Loan.
What Pag-IBIG Says: Yes, You Can Re-File a New Calamity Loan
According to Pag-IBIG Fund’s latest guidelines and public announcements, members with existing MPLs or Calamity Loans can still file for a new Calamity Loan, as long as they meet the conditions.
What Are the Conditions?
Here’s what Pag-IBIG requires if you want to file a new Calamity Loan despite an existing loan:
✅ For those with an existing MPL:
- You are allowed to file a Calamity Loan even if your MPL is still unpaid.
- The new calamity loan will not wipe out or restructure your MPL. You’ll end up paying for both loans simultaneously, through salary deduction or voluntary payments.
Note: Your combined loanable amount from both programs (MPL + Calamity Loan) must not exceed 80% of your Total Accumulated Value (TAV).
✅ For those with an existing Calamity Loan:
- You can apply for another Calamity Loan, but only if:
- The first loan was already fully paid, OR
- You qualify for a Calamity Loan Renewal, which means you’ve paid enough of your existing balance (usually 6 months’ worth).
How Much Can You Borrow?
As of 2024 and moving forward, Pag-IBIG allows up to 80% of your Total Accumulated Value (TAV). This includes your:
- Monthly contributions
- Employer’s counterpart
- Dividends earned over time
How to Check If You Qualify
You can log in to Virtual Pag-IBIG and view your:
- Total Accumulated Value (TAV)
- Outstanding loan balance (for both MPL and Calamity Loan)
- Eligibility for new loan application
Things to Keep in Mind
- Loans are deducted simultaneously – MPL and Calamity Loan will have separate amortizations.
- You need to be updated on your loan payments. If your current MPL or Calamity Loan is in default, you may not be allowed to apply.
- A state of calamity declaration is required for your area.
- The loan must be filed within 90 days of the declaration date.
Final Thoughts
So yes, you can file a new Calamity Loan from Pag-IBIG even if you still have an existing MPL or previous Calamity Loan, as long as you’re updated on your payments and your area is qualified.
This is a big help for those who are still recovering, especially with typhoons, floods, or earthquakes affecting our communities year after year.
Need help applying?
Check out my detailed article: How to File a Calamity Loan on Pag‑IBIG (2025 Updated Guide)