Check Here the Pag-IBIG Contribution Table 2026 to Maintain Active Account
PAG-IBIG CONTRIBUTION TABLE 2026 – For voluntary members of the Fund, here is a guide on your premium to boost your eligibility to its offers.
While the majority of Pag-IBIG Fund members are locally employed and self-employed individuals, the government agency also welcomes those who wish to enroll as voluntary members.
The Pag-IBIG Fund has been serving Filipinos for decades, with millions of members across the country and abroad. To maintain an active and updated membership, every member must consistently remit monthly contributions or savings to their account.
The Pag-IBIG Contribution Table 2026 varies depending on the type of membership and employment status. As highlighted, the Fund is open to voluntary memberships.
One of the most practical steps at the start of the year is reviewing the monthly contribution rates set by Pag-IBIG Fund. Doing so ensures that members are posting the correct amount to keep their accounts active and eligible for benefits.
Here is the Pag-IBIG Contribution Table 2026 for voluntary members:
| Monthly Income | Contribution Rate |
|---|---|
| At least Php 1,000 to Php 1,500 | 1% |
| Php 1,500 to Php 4,999.99 | 2% |
| Php 5,000 and above | 3% |
For members with updated accounts, several loan programs are available. Below are their features, purposes, and eligibility requirements:
Pag-IBIG Housing Loan
The Pag-IBIG Housing Loan remains the most popular program of the Fund. Loanable amounts vary, with a high maximum borrowing limit. Qualifications include:
- Active Pag-IBIG Fund membership with at least 24 months of savings
- Age not exceeding 65 at the time of application and not more than 70 at loan maturity
- No foreclosed, cancelled, or surrendered Pag-IBIG housing loan
- Legal capacity to acquire and encumber real property
- Updated payments if with an existing Pag-IBIG Housing account or Short-Term Loan (STL)
Pag-IBIG Multi-Purpose Loan (MPL)
The Pag-IBIG Multi-Purpose Loan is a flexible cash loan designed to meet short-term financial needs. Loanable amounts vary, and eligibility requires:
- At least 24 monthly membership savings under the Pag-IBIG Regular Savings program
- Active membership with at least one monthly savings posted within the last six months before application
- No default in existing Pag-IBIG Housing Loan, MPL, or Calamity Loan accounts
- Proof of income
Pag-IBIG Calamity Loan
The Pag-IBIG Calamity Loan is offered to assist members during natural disasters. Loanable amounts vary, and qualifications include:
- Minimum of 24 monthly membership savings under the Pag-IBIG Regular Savings program
- Active membership with at least one monthly savings posted within the last six months before application
- Proof of income
- No default in existing Pag-IBIG Housing Loan, MPL, or Calamity Loan accounts