Check Here the Pag-IBIG Contribution Table 2026 to Maintain Active Account
PAG-IBIG CONTRIBUTION TABLE 2026 – For self-employed members of the Fund, here is a guide on your premium to boost your eligibility to its offers.
One of the government-managed institutions in the Philippines that provides a wide range of loan programs is the Pag-IBIG Fund. However, these loan offers are exclusively available to its members. The Fund has millions of members, both in the Philippines and abroad.
Membership in Pag-IBIG is mandatory for employees in the private and public sectors. A significant portion of its members also includes self-employed individuals.
The monthly contribution rates differ between locally employed members and self-employed members. For the latter, the contribution depends on their monthly income.
Here is the Pag-IBIG Contribution Table 2026 for self-employed 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% |
Reviewing the Pag-IBIG Contribution Table 2026 at the start of the year is a smart move. It ensures that members are paying the correct premium, keeping their accounts updated and increasing their chances of qualifying for Pag-IBIG loan programs such as:
Pag-IBIG Housing Loan
The Pag-IBIG Housing Loan is the Fund’s most recognized program, designed to finance residential property purchases, construction, renovation, or loan take-out. Loanable amounts vary, but the Fund offers a high borrowing limit. Eligibility requirements include:
- Active Pag-IBIG Fund membership with at least 24 months of savings
- Age not exceeding 65 at the time of loan 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, also known as MPL, was created to help members meet short-term financial needs. It is available to both salaried and non-salaried members, including OFWs. Loanable amounts vary, and qualifications include:
- 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 designed to support members during natural disasters. Loanable amounts depend on whether an existing calamity loan is in place. Eligibility requirements 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