Guide on Pag-IBIG Calamity Loan Interest Rate 2026 per Annum
PAG-IBIG CALAMITY LOAN INTEREST 2026 – You can check here the interest rate and the fees under the Fund’s offer for members.
In the Philippines, one of the entities that many Filipinos may turn to in times of calamities is the Pag-IBIG Fund. This state-run institution is operating in the country for several decades now since 1978.
Millions of Filipinos are members of the Pag-IBIG Fund. Its member populace is composed of government employees, locally-employed individuals in the private sector, self-employed individuals, overseas Filipino workers (OFWs), and voluntary members.
Members of the Pag-IBIG Fund may avail its loan offers under certain qualifications. It is important to keep your account updated so you have something to turn to in times of cash needs, calamities, and the pursuit of having your own house.
While the Fund has the Pag-IBIG Multi-Purpose Cash Loan offer, it is most prominent with its Housing Loan that has financed the real estate property acquisition of countless Filipinos. In times of calamities, the state-run institution also has the Pag-IBIG Calamity Loan offer.
The Calamity Loan offer was crafted so that members have something to turn to when typhoons, earthquakes, volcanic eruptions, tsunami, etc. left their place of residence under a State of Calamity. Recovering from a natural disaster can be one of the toughest challenge and many Filipinos have experienced it considering that the country is prone to calamities.
While the member-borrower may get up to an equivalent of 80% of his/her total regular savings in the Fund which includes the posted contributions, the share of the employer in the contributions, and the dividends earned, the Pag-IBIG Calamity Loan interest rate is fixed.
The Pag-IBIG Calamity Loan interest rate is set at 5.95% per annum. According to the Fund, the maximum loan repayment is up to 36 months. The Fund implements a late payment fee of 1/20% or 1% of any unpaid amount for every day of delay in the payment of the monthly amortization.
If you are a Pag-IBIG Fund member and you are employed, you will need the signature of your employer in the Pag-IBIG Calamity Loan Application Form. There is no need for a payslip. It is confirmation that the loan repayment will be automatically deducted from the member’s monthly salary. The loan proceeds may be released through any of the following:
The Pag-IBIG Fund set the first monthly repayment of the loan on the 4th month following the date in the check released. The member-borrower must pay for the monthly due before the 15th day of the month.
- Check payable to the member
- Pag-IBIG Loyalty Plus Card or Cash Card
- Bank account via LANDBANK’s Payroll Credit System Validation
Aside from the salary deduction, here are the other methods for the loan disbursement as per the Fund:
- Post-dated checks
- Auto-debit arrangement
- Through an accredited developer with a Collective Servicing Agreement (CSA) with Pag-IBIG Through accredited local and overseas collection partners
In applying for the loan offer, there are requirements that a member should submit for the Pag-IBIG Calamity Loan application.