How to Apply for Pag-IBIG Membership Online
Step-by-step guide to apply for Pag-IBIG membership online through Virtual Pag-IBIG. Get your MID number and access housing loans and savings programs.
The Pag-IBIG Fund offers Filipinos access to affordable housing loans, savings programs, and other financial benefits. You can complete the membership process online through the Virtual Pag-IBIG portal.
Why Join Pag-IBIG?
As a Pag-IBIG member, you gain access to:
- Housing Loans - Up to ₱6 million for home purchase/construction
- Multi-Purpose Loan (MPL) - Emergency cash loans
- Calamity Loan - Low-interest disaster assistance
- MP2 Savings - Tax-free investment with ~7% dividends
- Regular Savings - Mandatory savings with dividends
Step-by-Step Online Registration
Step 1: Visit Virtual Pag-IBIG Portal
Go to the official Virtual Pag-IBIG website.
Step 2: Start Registration
- Click the “Be A Member” button
- Select “Register” from the dropdown menu
Step 3: Enter Personal Details
Fill in required information:
- Full name (first, middle, last)
- Date of birth
- Contact information
Important: Ensure details match your Birth Certificate exactly to avoid delays.
Step 4: Complete the Form
- Provide all additional required details
- Double-check all entries for accuracy
- Click “Submit”
Step 5: Save Your RTN
After submission, you’ll receive a Registration Tracking Number (RTN).
Keep this number! Within 2-3 working days, use your RTN to verify your permanent Membership ID (MID) Number.
What You Need
- Valid email address
- Mobile number
- Complete personal information matching your birth certificate
- Employment details (if applicable)
After Registration
Once your MID is confirmed:
- Start contributions through your employer or as voluntary member
- Access Virtual Pag-IBIG for online transactions
- Apply for loans once eligible
- Enroll in MP2 for higher dividends
Contribution Requirements
| Member Type | Employee Share | Employer Share |
|---|---|---|
| Employed (≤₱1,500/mo) | 1% | 2% |
| Employed (>₱1,500/mo) | 2% | 2% |
| Self-employed/OFW | 2% minimum | N/A |
| Voluntary | ₱200 minimum | N/A |
Common Issues and Solutions
Name doesn’t match? Use the exact name format on your birth certificate.
No RTN received? Check spam folder or retry after 24 hours.
Can’t verify MID? Wait the full 2-3 working days before checking.
Frequently Asked Questions
How long does registration take? Online registration takes about 10-15 minutes. MID confirmation takes 2-3 working days.
Is there a registration fee? No, Pag-IBIG registration is free.
Can I register if I’m unemployed? Yes, as a voluntary member.
Do OFWs need to register differently? No, OFWs use the same online registration process.
For assistance, contact Pag-IBIG at contactus@pagibigfund.gov.ph or call the hotline.