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.
The Pag-IBIG Fund is one of the government agencies in the Philippines with millions of members nationwide, including overseas Filipino workers (OFWs) who also maintain active accounts abroad.
To keep an account updated, every Pag-IBIG member must remit monthly contributions. Since rates vary, it is important to check them regularly to ensure the correct amount is being paid.
The Pag-IBIG Contribution Table 2026 depends on the type of membership—whether locally employed, self-employed, OFW, or voluntary. For locally employed members, employers also shoulder a portion of the monthly contribution.
Here is the Pag-IBIG Contribution Table 2026 for locally employed members and their employers’ share:
| Contribution Rate | Monthly Compensation | Employee’s Monthly Contribution | Employer’s Share |
|---|---|---|---|
| 1.0% | Php 1,500 and below | 1.0% | 2.0% |
| 2.0% | Over Php 1,500 | 2.0% | 2.0% |
Members with active and updated accounts may qualify for Pag-IBIG loan programs. Below are the loan offers available:
Pag-IBIG Housing Loan
The Pag-IBIG Housing Loan is the Fund’s most popular program. It can finance residential property acquisition, house construction, renovation, or loan take-out. Loanable amounts vary depending on several factors. Eligibility 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 a flexible cash loan that can be used for travel, major purchases, car repairs, and other financial needs. Loanable amounts vary, but the Fund sets a maximum borrowing percentage. 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
During natural disasters, members may apply for the Pag-IBIG Calamity Loan to aid recovery. 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