Virtual Pag-IBIG Calamity Loan Application: Step-by-Step Guide

Virtual Pag-IBIG allows you to apply for a Calamity Loan online without visiting a branch. This guide walks you through the complete application process from account creation to loan disbursement.

What is Virtual Pag-IBIG?

Virtual Pag-IBIG is Pag-IBIG Fund’s 24/7 online platform that lets you:

• Apply for Calamity and Multi-Purpose Loans
• View loan status and records
• Check savings balance
• Pay loans online
• Update member information

Loan Features

Feature	Details
Loan Amount	Up to 80% of Pag-IBIG Regular Savings
Interest Rate	5.95% per annum
Repayment	Up to 36 months
Grace Period	3 months
Processing	3-7 working days

Eligibility Requirements

1. At least 24 monthly contributions under Pag-IBIG Regular Savings
2. At least 1 contribution within the last 6 months
3. Reside in calamity-declared area
4. No defaulted loans (Housing, MPL, or Calamity)
5. No final benefits granted (retirement/disability)
6. Apply within 90 days from calamity declaration

Required Documents for Online Application

Before starting, prepare these documents:

1. Calamity Loan Application Form

• Download Form (SLF066)
• Must be signed by you, employer (if employed), and 2 witnesses

2. Valid Government ID

Choose one: Driver’s License, Passport, SSS ID, PhilHealth ID, TIN ID, Voter’s ID, PRC ID, or other government-issued ID

3. Cash Card

• Pag-IBIG Loyalty Card Plus (AUB or UnionBank), OR
• LandBank of the Philippines Cash Card

4. Selfie Photo

• Show your face clearly
• Hold your valid ID and cash card
• Both documents must be readable

5. Proof of Income

• Payslip (for employed)
• Declaration of Income (for self-employed)

Step-by-Step Online Application

Step 1: Access Virtual Pag-IBIG

1. Go to www.pagibigfundservices.com/virtualpagibig
2. Or visit www.pagibigfund.gov.ph and click Virtual Pag-IBIG

Step 2: Accept Privacy Agreement

1. Read the Data Privacy policy
2. Tick the checkbox to agree
3. Click Proceed

Step 3: Navigate to Loan Application

1. Click “Apply for and Manage Loans”
2. Select “Apply for a Short-term Loan”
3. Review document requirements
4. Click Proceed

Step 4: Select Loan Type

1. Open the “Select Loan Type” dropdown
2. Choose Calamity Loan matching:
   • Your area/municipality
   • The specific calamity name
   • Preferred repayment period

Step 5: Validate Your MID

1. Enter your Pag-IBIG MID Number
2. Click “Validate Your MID No.”
3. Wait for system verification

Step 6: Complete Contact Information

1. Verify your contact details
2. Update if necessary
3. Click Next

Step 7: Request OTP

1. Click OK on the confirmation popup
2. Choose OK to receive OTP
3. Check your mobile for the code
4. Enter OTP and click Proceed

Step 8: Enter Cash Card Details

1. Select your card type (Loyalty Card Plus or LBP)
2. Enter card number
3. Click Check Cash Card Status

Step 9: Upload Documents

Upload the following:

1. Completed Calamity Loan Application Form
2. Valid ID (front and back)
3. Selfie with ID and cash card
4. Proof of income (if required)

Step 10: Review and Submit

1. Double-check all information
2. Verify uploaded documents are clear
3. Submit application
4. Save your reference number

Creating a Virtual Pag-IBIG Account

If you don’t have an account yet, here are your options:

Option 1: Via Loyalty Card Plus (Fastest)

1. Select “Create account via Loyalty Card Plus”
2. Enter MID Number, bank, and last 4 digits of card
3. Verify with OTP
4. Set email and security questions
5. Receive temporary password via email
6. Login and create permanent password

Option 2: Online Activation

1. Select “Create and Activate your account online”
2. Enter MID, name, birthday, and mobile number
3. Verify with OTP
4. Add email and security questions
5. Upload valid IDs and selfie
6. Wait for SMS activation (1-3 days)

Option 3: For OFWs

1. Select “Account Creation for OFWs”
2. Enter personal info and country of assignment
3. Upload required documents
4. Wait for verification and activation

Loan Processing Timeline

Stage	Duration
Application Submission	Same day
Document Review	1-3 days
Approval	1-2 days
Disbursement	1-2 days after approval
Total	3-7 working days

During high-volume periods (after major calamities), processing may take longer

Loan Disbursement

Your loan proceeds will be credited to:

• Pag-IBIG Loyalty Card Plus - Works like an ATM card
• LandBank Cash Card - Withdraw at any LBP ATM

Alternative Application Methods

Through Employer HR

1. Complete application form
2. Prepare required documents
3. Write authorization letter for HR
4. Submit to HR representative
5. Wait for processing

Direct Branch Submission

1. Complete all requirements
2. Visit nearest Pag-IBIG branch
3. Submit via designated dropbox
4. Wait for SMS confirmation

Repayment Options

Method	Details
Salary Deduction	Automatic for employed members
Virtual Pag-IBIG	Pay online anytime
Pag-IBIG Branch	Over-the-counter payment
Partner Banks	Accredited collecting partners
Payment Centers	7-Eleven, Bayad Center, SM, etc.

Important Reminders

Before Applying:

• Verify your area is under State of Calamity
• Check your Pag-IBIG savings balance
• Ensure no existing loans are in default
• Gather all required documents

During Application:

• Use clear, high-quality document photos
• Ensure information matches your ID exactly
• Keep your mobile phone accessible for OTP
• Save your application reference number

After Applying:

• Monitor application status via Virtual Pag-IBIG
• Respond promptly to any document requests
• Ensure your cash card is activated

Frequently Asked Questions

What if Virtual Pag-IBIG is unavailable? Apply through your employer’s HR or visit a Pag-IBIG branch directly.

Can I apply without a Loyalty Card Plus? Yes, use an LandBank Cash Card. You can also get a Loyalty Card Plus at any branch for ₱125.

How do I track my application status? Login to Virtual Pag-IBIG and check under “View Loan Status.”

What if I have an existing calamity loan? You can apply for a new one. Outstanding balance will be deducted from new loan proceeds.

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For inquiries, contact Pag-IBIG at 8724-4244 or email contactus@pagibigfund.gov.ph.