Guide on Pag-IBIG Savings Claim for Expatriates Requirements for Processing
PAG-IBIG SAVINGS CLAIM FOR EXPATRIATES – Listed below are the documents needed in claiming Pag-IBIG savings if you are an expatriate member.
The Pag-IBIG Fund, one of the biggest government agencies in the Philippines, has millions of members across the nation. Most of the member populace are composed of Pinoys locally employed in the public and private sector in the country.
There are several grounds in the Philippines that require a mandatory membership to the Pag-IBIG Fund. Here is a list of some of the grounds that mandate the keeping of an active and updated account with the Fund:
- employees in the private sector who are 60 years old and below and on permanent, temporary, or provisional status
- government employees with GSIS coverage
- self-employed individuals earning at least P1,000 per month up to 60 years of age
- land-based overseas Filipino workers (OFWs)
- sea-based OFWs
- household helpers, gardeners, cooks, drivers, etc. with a salary of at least P1,000 per month
- Filipinos employed by foreign-based employers
- uniformed personnel like members of the Armed Forces of the Philippines (AFP), Philippine National Police (PNP), and Bureau of Fire Protection (BFP)
Most often, mandatory memberships to the Pag-IBIG Fund automatically deduct the monthly contributions from the salary of the member. The rate is based on the Pag-IBIG Contribution Table 2023.
In some cases, the membership of some of the members to the Pag-IBIG Fund are voluntary. Here are the common grounds for voluntary memberships to the govenment agency:
- non-working spouse of registered members of the Pag-IBIG Fund
- religious group and leaders
- public officials and employees without GSIS coverage
- pensioners, investors, and individuals with passive income
- Filipino employees of foreign government or international organization
There is a huge advantage in maintaing an updated and active account to the Pag-IBIG Fund. In challenging times, you have loan offers that you can turn to. Here are three (3) of the main Pag-IBIG loans that members of the Fund may apply for:
- Pag-IBIG Multi-Purpose Loan — The Pag-IBIG Multi-Purpose Loan or MPL is a cash loan offer that attends to multiple needs. It is open for members of the governmant agency who have posted at least 36 monthly savings in their accounts.
- Pag-IBIG Housing Loan — This loan offer is the most well-known offer of the Fund. It can finance any of the following purposes related to the acquisition of residential properties:
- purchase of a residential property (house and lot, condominium unit, townhouse, apartment)
- acquisition of a vacant lot
- house construction
- home renovation
- home loan take-out from another lender
- combined purpose
- Pag-IBIG Calamity Loan — Members of the Fund won’t be left helpless in times of calamities. There is the Pag-IBIG Calamity Loan that they may apply for to financially assist their recovery from the impacts of the natural disaster.
The Pag-IBIG Fund members may also be allowed to withdraw their savings under certain cases including the 20-year optional withdrawal of savings. One of the cases is for expatriates or the individuals living outside one’s homeland. Here are the requirements for the Pag-IBIG Savings Claim for expatriates:
- Application for Provident Benefits (APB) Claim (1 Original)
- Passport (1 Photocopy)
- Alien Employment Permit issued by the Department of Labor and Employment (DOLE) (1 Photocopy)
- SSS Employment History (as applicable) (1 Photocopy)
To file for the claiming of your savings, submit the requirements for Pag-IBIG Savings Claim for expatriates at the nearest office of the Pag-IBIG Fund. Wait for an update from the government agency.