List of Pag-IBIG HEAL Requirements 2026 for Members
PAG-IBIG HEAL REQUIREMENTS 2026 – If you are self-employed, here is a guide on the documents you must submit to apply.
Millions of Filipinos are members of the Pag-IBIG Fund and countless families have been able to build or own their homes because of this government-run institution. It is a loan-providing state-run institution that operates in the country for decades already. If you are one of its self-employed members, you may be interested in its loan offers.
The most popular offering is the Pag-IBIG Housing Loan, which has helped many achieve their dream of homeownership. This loan can be used for:
- Purchase of a real estate property
- House construction
- Home renovation
- Home loan take-out
- Combined housing purposes
Aside from the Pag-IBIG Housing Loan offer, the Fund also supports members with existing Housing Loan accounts through the Pag-IBIG Home Equity Appreciation Loan or also popularly called as the Pag-IBIG HEAL.
This program allows qualified borrowers to access funds for other personal goals. You may apply for it to buy a car, travel abroad, or start a business. To qualify, members must have paid at least five (5) years of monthly amortizations on their existing Housing Loan.
Both employed and self-employed members may apply but the Pag-IBIG HEAL requirements for application differ depending on the employment status of the member-borrower. For self-employed members, the following documents must be prepared:
- Duly-accomplished Pag-IBIG Home Equity Appreciation Loan (HQP-HLF-858)_V01
- Duly-accomplished Pag-IBIG Home Equity Appreciation Loan for co-borrower/s (HQP-HLF-868)_V01
- Proof of Income (any of the following):
- ITR, Audited Financial Statements, and Official Receipt of tax payment from bank, supported with DTI Registration and Mayor’s/Business Permit
- Commission vouchers with issuer’s name and contact details (last 12 months)
- Bank statements or passbook for the last 12 months (for remittances, pensions, etc.)
- Copy of Lease Contract and Tax Declaration (if income is from rentals)
- Certified True Copy of Transport Franchise issued by LGU or LTFRB
- Certificate of Engagement issued by business owner
- Other documents validating source of income
- One (1) valid ID
- Updated Real Estate Tax Receipt/s for the quarter immediately preceding the application
- Health Statement Forms
- Conformity Form for New/Subsequent Housing Availment (HLF409_V03), for co-borrowers giving consent to the new HEAL application
For identification, the Pag-IBIG HEAL requirements for application include presenting one (1) valid ID. Acceptable IDs are:
- Philippine Identification (PhilID) Card
- Passport (including foreign-issued)
- Driver’s License
- PRC ID
- NBI Clearance
- Police Clearance
- Postal ID
- Voter’s ID
- TIN ID
- Barangay Certification or Barangay ID with photo
- GSIS e-Card
- SSS Card
- Senior Citizen Card
- OWWA ID
- OFW ID
- Seaman’s Book or SIRB
- Alien Certification of Registration/Immigrant Certificate of Registration
- Government Office and GOCC ID (e.g., AFP ID, Pag-IBIG Loyalty Card)
- NCDA-issued ID
- DSWD Certification
- Integrated Bar of the Philippines ID
- Company ID issued by BSP, SEC, or IC-regulated entities
- PhilHealth Health Insurance Card ng Bayan
The Pag-IBIG Fund continues to expand its loan programs to meet the diverse needs of its members. It also has the Pag-IBIG Multi-Purpose Loan offer.