Check Here the Pag-IBIG Contribution Table 2026 to Maintain Active Account
PAG-IBIG CONTRIBUTION TABLE 2026 – For overseas Filipino worker (OFW) members of the Fund, here is a guide on your premium to boost your eligibility to its offers.
Even though overseas Filipino workers (OFWs) spend most of their time working abroad, there are government agencies that allow them to maintain active memberships while outside the country. One of these agencies is the Pag-IBIG Fund.
The Pag-IBIG Fund has millions of members, primarily composed of locally employed individuals in both the public and private sectors. Alongside them are OFW members who also keep their accounts updated to remain eligible for the Fund’s programs and services.
Members with active accounts can qualify for Pag-IBIG loans, which is why OFWs also make it a priority to remit contributions regularly. Many members check the Pag-IBIG Contribution Table 2026 before posting their premiums to ensure accuracy.
Here is the Pag-IBIG Contribution Table 2026 for OFW members:
| Employment Status | Monthly Income | Country | Contribution Rate |
|---|---|---|---|
| Land-Based | Over Php 1,500 | All Countries | 2% of the basic salary |
| Sea-Based | Over Php 1,500 | All Countries | 2% of the basic salary |
With updated accounts, members—including OFWs—may apply for the following loan programs:
Pag-IBIG Housing Loan
The Pag-IBIG Housing Loan is the Fund’s most popular program, designed to 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, also known as MPL or cash loan, was created to help members address short-term financial needs. 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 available to members residing or working in areas declared under a State of Calamity. Loanable amounts vary, and 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