Check Here the Pag-IBIG Contribution Table 2026 to Maintain Active Account
PAG-IBIG CONTRIBUTION TABLE 2026 – For non-working spouse members of the Fund, here is a guide on your premium to boost your eligibility to its offers.
In the Philippines, many women dedicate their time to managing households — a role that demands constant effort without salary, days off, or fixed hours. Recognizing this, several government agencies have opened membership opportunities to non-working spouses of their members.
One of these agencies is the Pag-IBIG Fund, which has been serving Filipinos for decades. To maintain an active account that qualifies for Pag-IBIG loans, members must consistently remit monthly contributions or savings.
Contribution rates vary depending on membership type and income. Thus, there are different versions of the Pag-IBIG Contribution Table 2026.
For non-working spouses of Pag-IBIG members, here is the Pag-IBIG Contribution Table 2026:
| Fifty Percent (50%) of the Working Spouse’s Monthly Compensation | Non-Working Spouse’s Monthly Contribution |
|---|---|
| Php 1,500 and below | 1% |
| Over Php 1,500 | 2% |
Members with updated accounts can access several loan programs. Below are the options available, along with their qualifications:
Pag-IBIG Housing Loan
The Pag-IBIG Housing Loan allows members to finance the purchase of a residential property, house construction, renovation, or loan take-out. Loanable amounts vary depending on certain factors. 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, also known as MPL, is a cash loan designed to meet short-term financial needs. Loanable amounts depend on the member’s savings. Eligibility requirements 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 provides financial assistance to members affected by disasters such as typhoons, earthquakes, or tsunamis. Loanable amounts depend on the member’s savings. 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