Pag-IBIG Fund has just announced a one-month moratorium on housing loan payments for members whose residences or sources of income were affected by Typhoon Crising. This is part of Pag-IBIG’s disaster response, following the official declaration of a state of calamity in several areas.

With this moratorium, you won’t have to pay your housing loan for one month — no penalties, no additional interest, and your loan term will simply be extended.

This gives you breathing room to focus on recovery and urgent expenses.

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Who Can Apply for the Moratorium?

You may apply if:

• You have an active Pag-IBIG housing loan
• Your residence or workplace is in an area declared under a state of calamity
• Your housing loan is updated as of the month before the calamity declaration
• You file your application on or before August 24, 2025
• You apply via Virtual Pag-IBIG or visit any Pag-IBIG branch

There is no processing fee, and your loan’s interest or penalty will not increase during this moratorium period.

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Step-by-Step Guide to Apply via Virtual Pag-IBIG

Step 1: Go to the official Virtual Pag-IBIG.
Step 2: Click on “Apply for and Manage Loans”
Step 3: Choose “Apply for Loan Moratorium”
Step 4: Select Housing Loan as the loan type
Step 5: Enter your Housing Loan Account Number (HAN) to proceed
Step 6: Select either of the following depending on what applies to you:

• My property is located in an area declared under a state of calamity
• My property of work is located in an area declared under a state of calamity

Step 7: Enter your mobile number and email address
Step 8: Enter the OTP sent to your mobile number
Step 9: Upload the following:

1. Application Form
2. ONE (1) VALID IDENTIFICATION (ID) Card with photo
3. SELFIE PHOTO while showing the front of your Valid ID

Step 10: Submit your application

You’ll get a confirmation message via SMS or email once it’s successfully received. No need to visit a branch unless specifically asked.

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Where can I download the Application form for Housing Loan Moratorium?

You can download the application form from Pag-IBIG or you can just download the PDF copy of the Application form for Housing Loan Moratorium below.

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What Happens After You Apply?

• Your next housing loan due date is deferred by one month
• You won’t incur penalties or additional interest
• Your loan term will be extended by one month
• Your succeeding monthly amortizations will resume as scheduled after the moratorium

You don’t need to do anything else. Just wait for the confirmation and make sure to resume payment the month after the moratorium.

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What Areas Are Covered?

The NDRRMC and LGUs have confirmed about 40 cities, municipalities, and provinces are now under state of calamity due to the recent disasters. This includes:

• Metro Manila: Quezon City, Manila, Malabon, Las Piñas, Marikina, Caloocan, Navotas, Valenzuela
• Central Luzon: Cavite (province), Tarlac (Paniqui), Pampanga (Masantol), Rizal (Cainta, San Mateo, Rodriguez)
• Bulacan: Meycauayan, Paombong, Calumpit, Balagtas
• Pangasinan (Region I): Dagupan City, Calasiao, Umingan, Malasiqui, Sta. Barbara, Lingayen, Mangaldan, Mangatarem
• Calabarzon & Mimaropa: Batangas (Agoncillo), Palawan (Roxas)
• Western Visayas: Antique (Barbaza, Sebaste)
• Central Visayas: Cebu City

If you reside or work in any of these areas, you qualify to apply for the moratorium.

Note: Other areas that may be added based on LGU declarations

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Final Thoughts

If your area has been declared under a state of calamity due to Crising, Dante, Emong, or Habagat, and you have an active Pag‑IBIG housing loan, this moratorium is a welcome relief. No fees, no added costs, just a one-month grace period.

Apply before August 24, 2025, so you can focus on recovery and rebuilding instead of worrying about missed payments.