Pag-IBIG Calamity Loan 2025 | 5.95% Rate Guide

When disaster strikes, the Pag-IBIG Calamity Loan provides quick financial relief to affected members. With one of the lowest interest rates among emergency loans in the Philippines, this program helps Filipinos recover from calamities.

Key Features at a Glance

Feature	Details
Interest Rate	5.95% per annum
Loan Amount	Up to 90% of Pag-IBIG savings
Processing Time	As fast as 3 days
Repayment Terms	12, 24, or 36 months
Grace Period	3 months

Eligibility Requirements

To qualify for a Pag-IBIG Calamity Loan, you must:

Be an active member with at least 1 monthly contribution in the last 6 months
Have at least 12 monthly savings under Pag-IBIG Regular Savings
Reside in a calamity-declared area by LGU or national government
Apply within 90 days from calamity declaration
Have no defaulted loans (MPL, Calamity, or HELPs)

How Much Can You Borrow?

Your loanable amount is based on your Pag-IBIG Regular Savings:

Component	Included
Your contributions	Yes
Employer contributions	Yes
Accumulated dividends	Yes
Total Available	Up to 90% of combined savings

Note: If you have existing MPL or Calamity Loan, outstanding balance is deducted from available amount.

Required Documents

1. Application Form

Download Calamity Loan Application Form (SLF066)

2. Valid ID (One of the Following)

Government IDs	Other Valid IDs
Philippine ID (PhilID)	SSS Card
Passport	GSIS e-Card
Driver’s License	PhilHealth Card
PRC ID	Senior Citizen Card
NBI Clearance	OWWA ID
Police Clearance	OFW ID
Postal ID	Seaman’s Book
Voter’s ID	Company ID (BSP/SEC registered)
TIN ID	NCDA ID

3. Proof of Income

For Employed:

Certificate of Net Pay, OR
Latest 1-month payslip (authenticated by employer)

For Self-Employed:

ITR with DTI/Business Permit
Commission vouchers (12 months)
Bank statements (12 months)
Declaration of Income (HQP-SLF-136)

For OFWs:

POEA-certified employment contract, OR
Certificate of Employment and Compensation

4. Cash Card

Pag-IBIG Loyalty Card Plus, OR
LandBank Cash Card, OR
DBP/UCPB Disbursement Card

5. For Online Applications

Selfie photo with valid ID and cash card visible

How to Apply

Option 1: Online via Virtual Pag-IBIG

Visit Virtual Pag-IBIG
Login or create an account
Go to “Apply for and Manage Loans”
Select “Apply for a Short-term Loan”
Choose Calamity Loan type
Upload required documents
Submit application

Option 2: Visit Pag-IBIG Branch

Go to any Pag-IBIG Fund branch
Submit completed application form
Present valid ID
Submit proof of income and cash card

Loan Disbursement

Method	Timeline
Pag-IBIG Loyalty Card Plus	Credited directly
LandBank Cash Card	Credited directly
Check	Issued if no cash card

Processing Time: 3-7 working days (may be longer during high-volume periods)

Repayment Terms

Term Option	Monthly Payment
12 months	Higher monthly
24 months	Moderate monthly
36 months	Lower monthly

Grace Period: 3 months before first payment is due

Payment Methods:

Salary deduction (for employed)
Virtual Pag-IBIG online payment
Pag-IBIG branch payment
Accredited collecting partners

Tips for Smooth Application

Apply early - Don’t wait until the 90-day deadline
Check your savings - Know your loanable amount beforehand
Prepare documents - Complete all requirements before applying
Verify account status - Ensure no defaulted loans
Keep contacts updated - For SMS/email notifications

Frequently Asked Questions

Can I apply with an existing MPL? Yes, if your MPL account is not in default. Outstanding balance will be deducted from your new loan proceeds.

What if I don’t have a Loyalty Card Plus? You can get one at any Pag-IBIG branch for ₱125 one-time fee, or use an LandBank Cash Card.

Can I apply for another calamity loan later? Yes, if another calamity occurs. Previous loan balance will be deducted from new loan proceeds.

How do I check if my area is under State of Calamity? Check official announcements from NDRRMC, your LGU, or Pag-IBIG website.

For more information, visit the official Pag-IBIG website or call 8724-4244.