Check Here the Pag-IBIG Contribution Table 2026 to Maintain Active Account
PAG-IBIG CONTRIBUTION TABLE 2026 – For Kasambahay or household helper members of the Fund, here is a guide on your premium.
In the Philippines, one of the largest government-managed institutions with millions of members is the Pag-IBIG Fund. Its membership base is composed of locally employed and self-employed individuals, overseas Filipino workers (OFWs), non-working spouses of members, and kasambahays or household helpers.
Every month, Pag-IBIG Fund members are required to remit their monthly contributions to keep their accounts active and updated. This is the gateway to qualifying for the various loans and services offered by the institution.
With the Pag-IBIG Contribution Table 2026, the rates differ depending on the member’s source of income and monthly earnings.
For kasambahays, here is the Pag-IBIG Contribution Table 2026:
| Monthly Compensation | Rate Paid by Kasambahay | Rate Shouldered by Employer |
|---|---|---|
| Php 1,500 and below | — | 3% |
| Over Php 1,500 to Php 4,999 | — | 4% |
| Php 5,000 and above | 2.0% | 2% |
Checking the contribution rates at the beginning of the year is highly beneficial. It ensures that members are remitting the correct amount to keep their accounts active and eligible for Pag-IBIG loan programs such as:
Pag-IBIG Housing Loan
Members can apply for the Pag-IBIG Housing Loan to finance the purchase of a residential property, house construction, renovation, loan take-out, or combined loan purposes. Loanable amounts vary depending on qualifications. Requirements 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 designed to provide members with short-term financial assistance. 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 intended to assist members during times of 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