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CREATION OF Pag-IBIG Fund

The birth of Home Development Mutual Fund (HDMF), more popularly known as the Pag-IBIG Fund, was an answer to the need for a national savings program and an affordable shelter financing for the Filipino worker. The Fund was established on 11 June 1978 by virtue of Presidential Decree No. 1530 primarily to address these two basic yet equally important needs. Under the said law, the Social Security System (SSS) shall administer the funds of private employees, while the Government Service Insurance System (GSIS) shall administer the funds of government employees. Less than a year after on 1 March 1979, Executive Order No. 527 was signed. The order directed transferring the administration of the Fund to the National Home Mortgage Finance Corporation (NHMFC), which was one of the operating agencies of the then Ministry of Human Settlements. Seeing the need to further strengthen the stability and viability of the two funds, Executive Order No. 538 was issued on 4 June 1979, merging the funds for private and government personnel into what is now known as the Pag-IBIG Fund. However, it was only on 14 December 1980 when Pag-IBIG was made independent from the NHMFC with the signing of PD 1752, which is recognized as the HDMF Charter. With the improved law in effect, the Fund’s rule-making power was vested in its own Board of Trustees. Likewise, PD 1752 made Pag-IBIG membership mandatory for all SSS and GSIS member-employees. Months after former President Corazon C. Aquino assumed leadership of the country, Pag-IBIG contributions were suspended from May to July 1986. On 1 August 1986, former President Aquino directed the resumption of Pag-IBIG membership under Executive Order No. 35. Membership was still on a mandatory basis but under more liberal terms. The employee and employer contribution rates were reduced, and the Maximum Fund Salary was raised from P3,000 to P5,000. 1 January 1987 marked the return of the Pag-IBIG Fund to a voluntary program under Executive Order No. 90. It was during the years as a voluntary fund that Pag-IBIG introduced innovative benefit programs that heeded the calls for expansion of membership, and addressed the immediate financial as well as housing needs of its members. After eight years as a voluntary fund, Pag-IBIG membership reverted to mandatory on 17 June 1994 when President Fidel V. Ramos signed Republic Act 7742. The new law became effective on 1 January 1995. More than a decade after RA 7742 was implemented, the Pag-IBIG Fund continues to be a strong partner in realizing Filipino workers’ dreams. Recognizing HDMF’s contributions and the need to further strengthen its capability as the biggest source of housing finance in the country to date, President Gloria Macapagal-Arroyo signed into law Republic Act No. 9679 or the Home Development Mutual Fund Law of 2009 on 21 July 2009, and making Pag-IBIG membership mandatory for all, including Filipinos employed by foreign-based employers. Now more than ever, Filipino workers will enjoy the benefits that are available only to Pag-IBIG members. Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno. To this day, the Pag-IBIG Fund continues to harness these four sectors of the society to work together towards providing Fund members with adequate housing through an effective savings scheme.

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VISION

To be the premier and globally competitive provident financial institution.

MISSION

To uplift the quality of life of the members through savings.

GOALS

1. To motivate the employed and other earning groups to save, with contributory support of the employers, through an integrated nationwide provident savings system.

2. To provide affordable housing finance to the Fund’s members to enable them

to meet their housing needs.

SHORT-TERM LOAN (STL) PROGRAMS MULTI-PURPOSE LOAN PROGRAM (MPL). This program aims to provide financial assistance to Pag-IBIG members for purposes of minor home improvement, livelihood, medical, educational, purchase of appliance and furniture and other needs.

Borrower Eligibility

New Loan

1. With at least twenty-four (24) monthly savings.

2. An active member at the time of loan application, with at least five (5) monthly savings for the last six (6) months.

3. Member-applicant’s net take home pay shall not fall below the minimum requirement of the General Appropriations Act (GAA) or company policy, whichever is applicable.

4. If with existing calamity loan, a member shall be allowed to avail of the MPL only after payment of at least six (6) monthly amortizations. The outstanding balance, together with any accrued interests, penalties and charges, shall be deducted from the proceeds of the MPL.

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Loan Renewal 1. With payment of at least six (6) monthly amortizations. The outstanding balance,

together with any accumulated interests, penalties and charges, shall be deducted from the proceeds of the new loan.

2. An active member at the time of loan application, with at least five (5) monthly savings for the last six (6) months.

3. Member-applicant’s net take home pay shall not fall below the minimum requirement of the General Appropriations Act (GAA) or company policy, whichever is applicable.

CALAMITY LOAN PROGRAM. This program aims to provide financial assistance to Pag-IBIG Fund member-victims in calamity-stricken areas, as declared by the Office of the President or the Sangguniang Bayan.

Borrower Eligibility New Loan

1. Has made at least twenty-four (24) monthly savings.

2. Is an active Pag-IBIG member at the time of application, and commits to continuously remit contributions at least for the term of the loan.

3. Is a resident of the area which is declared calamity-stricken.

Loan Renewal

Should another calamity occur in the same area, a borrower may renew his calamity loan anytime. The outstanding balance of his existing loan, together with any accrued interests, penalties and charges, shall be deducted from the proceeds of the new loan.

Availment Period The Pag-IBIG member-victim must avail himself of the Pag-IBIG Calamity loan within a period of ninety (90) days from the occurrence of the calamity.

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SHORT-TERM LOAN (STL) AVAILMENT

(Complex Transaction)

Schedule of Receipt of Application Monday to Friday, 8:00 a.m. - 5:00 p.m.

(No Lunch Break)

Processing Time

1 working day - New loan application 3 working days - Loan renewal 9 working days - With transfer of records

Processing Fee: None

Requirements

1. Duly accomplished Multi-Purpose Loan Application Form (MPLAF) or Calamity Loan Application Form (CLAF) (Downloadable from the Pag-IBIG website, www.pagibigfund.gov.ph)

2. Photocopy of at least two (2) valid IDs (refer to page 8)

3. Proof of Income Formally-employed

- The “Certificate of Monthly Net Income” portion at the back of the application form must be accomplished by the employer or submit photocopy of latest payslip duly authenticated by company’s authorized representative.

Self-Employed or Individual Payors Photocopy of any of the following:

- Business/Mayor’s Permit; - Commission Vouchers; - Other valid proof of income.

4. For releasing of loan proceeds thru PACSVAL/Cash Card, submit photocopy of

deposit slip (for newly opened account)/ATM Card/Cash Card. - For application thru employer, the photocopy of deposit slip/ATM Card/Cash

Card shall be certified by the employer. - For individual application, the ATM Card/Cash Card shall be presented for

authentication.

Additional Requirements for Calamity Loan (refer to page 7)

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Procedure

STEP 1

Go to Provident Benefit Division and submit

accomplished Multi-Purpose Loan Application Form (MPLAF) or Calamity Loan Application Form (CLAF) and required supporting documents.

Get STL Acknowledgement Receipt (SAR).

Responsible Person

Loans and Credit Evaluator II

STEP 2

On scheduled date, get loan proceeds:

- If released through Check, present SAR and 2 valid IDs at Cash and Administrative Services Division (CASD).

If released through PACSVAL/ Cash Card, verify and withdraw at any accredited ATM/ bank.

Check Release Controller

ATM

END OF TRANSACTION

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ADDITIONAL REQUIREMENTS FOR CALAMITY LOAN

1. For formally-employed members,

- Declaration of Being Affected by Calamity (FLS006)

2. For farmers, including landlords, fisher folks and livestock farmers,

- Certification from the Municipal Agricultural Office (MAO) that their products were damaged/killed due to the calamity.

3. For business owners/market vendors,

- Certification from the Market Vendors Association or certification from the Municipal Mayor (if not member of the association) attesting that he is engaged in the selling of farm products, vegetable, meat, fish and that his source of livelihood was affected by the calamity.

4. For Pag-IBIG Members or any of his immediate family members afflicted by

diseases such as diarrhea, cholera, skin diseases, paralytic shellfish poisoning (red tide bloom), heat cramps, heat exhaustion, heat stroke, chickenpox, measles and hypertension, - A Medical Certificate from the Doctor stating that such disease/illness is

brought by the onset of calamity. Notes: a. Original copies of photocopied required documents must be presented for

authentication. b. Employed member-borrower may not present original copies of the

photocopied required documents provided that said documents is duly certified by the employer.

c. For filing of application thru a representative, submit the following: Notarized Special Power of Attorney (SPA) At least two (2) valid IDs of both parties

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LIST OF VALID IDs ACCEPTABLE TO THE FUND

1. Company ID

2. Passport, issued by the Philippine or Foreign Government

3. Driver’s License

4. Professional Regulation Commission (PRC) ID

5. Social Security System (SSS) Card

6. Government Service Insurance System (GSIS) e-Card

7. Government Office and GOCC ID, e.g. Armed Forces of the Philippines (AFP) ID

8. Integrated Bar of the Philippines (IBP) ID

9. Senior Citizen Card

10. Overseas Workers Welfare Administration (OWWA) ID

11. Overseas Filipino Worker (OFW) ID

12. Seafarer’s Identification and Record Book (SIRB)

13. Postal ID

14. Voter’s ID

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HANDLING MEMBER’S SUGGESTION To our Valued Members/Customers:

Your opinion is of great importance to us. You may send us your suggestions, complaints or any concern through any of the following:

Servicing Counters

You may visit our servicing counters stationed at NCR/Regional branches.

For NCR provident-related concerns, please visit the Pag-IBIG Branch maintaining your records. However, for housing-related concerns, you may visit us at 2/F, 409 JELP Business Solutions Bldg., Shaw Boulevard, Mandaluyong City.

For those in the regions, you may raise both your provident and housing-related concerns to the branch maintaining your records.

Forms

Please accomplish the Customer Suggestion Form (CSF). This form is available at various counters of any Pag-IBIG Office. You may drop the accomplished form at designated Suggestion Boxes upon your visit.

Letters

Letters may be sent to:

The Member Relations Department 2/F, 409 JELP Business Solutions Bldg.

Shaw Boulevard, Mandaluyong City

You may also send your letters directly to the concerned Pag-IBIG Branch, addressed to the Office of the Manager.

E-mails

E-mails may be sent to publicaffairs@pagibigfund.gov.ph. You shall receive a confirmation message that your email has been forwarded to the concerned branch/department for appropriate reply and/or action.

Pag-IBIG Hotline

For your immediate concerns, you may also reach us at 724-4244 (Pag-IBIG), from Monday to Friday between 8:00 am and 5:00 pm. However, you may also call the

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Marketing and Enforcement Division of the concerned branch at telephone numbers indicated under List of Branches.

Rest assured that we shall carefully evaluate your concerns and shall respond to you immediately. Likewise, we shall give your complaints considerable attention according to the following:

Duration Nature of Concern

3 working days Simple queries (General Information)

Complaints

10 working days Complex queries (Policy and loan-related queries, queries that require coordination with other Pag-IBIG offices)

Grave Complaints

1 hour Pag-IBIG Hotline Queries

Thank you for your continued support to the Fund. We look forward to bringing you and all our members a more responsive service.

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LIST OF Pag-IBIG BRANCHES

NCR – NORTH

KAMIAS 795 Anchor Center, EDSA, Quezon City 922-6771

CUBAO G/F & 3/F Union Square Condominium 145, 15th Avenue Cubao, Quezon City 421-9445

ORTIGAS 611 Westar Bldg. Shaw Blvd., Pasig City 636-4816

ANTIPOLO Budget Lane Shopping Center, Provincial Road, San Jose Antipolo City 696-6055

NCR – WEST

IMUS Olma Building Emilio Aguinaldo Highway Imus, Cavite 046-4719013/471-6638 loc. 301 & 302

PASAY 1st & 2nd Floor, Roxas Strip Bldg. Arnaiz St. cor. Roxas Blvd., Pasay City 552-1164

MANILA Park n Ride Bldg. P. Burgos Ave. cor. Dr. Basa Street Ermita, Manila 528-1432

CALOOCAN Puritan Philippines, Inc. (PPI) Bldg. 355 EDSA corner Gen. Tirona St. Caloocan City 361-3309

NCR – SOUTH

MAKATI I 317 Justine Bldg. Sen. Gil Puyat Avenue, Makati City 812-4731 loc. 204/814-0451/ 814-0452

MAKATI II 317 Justine Bldg. Sen. Gil Puyat Avenue Makati City 812-4731 loc. 406/817-2641

MAKATI III 317 Justine Bldg. Sen. Gil Puyat Avenue Makati City 840-2502

NORTHERN LUZON

LA UNION Pag-IBIG Fund Bldg. Government Center. Brgy.Sevilla, San Fernando City La Union 072-2425588 to 89 loc. 205 Vigan Extension Office Ground Floor, CAP Bldg. Florentino St., Vigan City 072-6321118 Ilocos Norte Extension Office WC Bldg., Brgy. #10 D. Samonte St., Laoag City 077-7704699/7705216 BAGUIO G/F Insular Life Bldg. Abanao Ext. cor. Legarda Road, Baguio City 074-6191330/2710 local 102

DAGUPAN Rudel Building, Perez Blvd. cor. Guilig St. Dagupan City 075-5223865/3266 MALOLOS 2nd Floor, North Centrum Bldg. Tabang, Guiguinto, Bulacan 044-7940549 loc. 206 Cabanatuan Extension Office Duran Bldg. Quezon District Maharlika Highway, Cabanatuan City 044-6001225/463-1692 Baler Service Desk Baler Municipal Building Poblacion, Baler, Aurora 042-722-0000

SAN FERNANDO Suburbia Commercial Center Maimpis, City of San Fernando, Pampanga 045-8604490 loc. 115 / 045-455-1292 Tarlac Extension Office Benin Bldg. Zamora Street San Roque, Tarlac City 045-6286025/628-6026 DINALUPIHAN NEJ Bldg. San Ramon Highway Dinalupihan, Bataan 047-4813593/ 481-3606 loc. 108

TUGUEGARAO Ong Chong Bldg. 88 Del Rosario St. Tuguegarao City, Cagayan 078-8441448/8442285 Isabela Extension Office 2nd Floor, Bucag Bldg. cor. Faustino L. Dy & Canciller Sts. Cauayan City Isabela 078- 634-5156/ 652-2883 Nueva Vizcaya Extension Office BAJ Bldg., Mabini St. Solano, Nueva Vizcaya 078-3266113/3267811

SOUTHERN LUZON

CALAMBA High Rise Business Center National Highway, Brgy. Halang, Calamba City, Laguna 049-5451278/5451232/ 5451236 local 103 & 109 LUCENA G/F & 2/F Lucena Grand Central Terminal Bldg., Ilayang Dupay, Lucena City 042-7102869

BATANGAS Caedo Commercial Center National Highway Bo. Calicanto, Batangas City 043-7235939/723-5848/ 723-2082/723-6151 loc. 504 CALAPAN Unit 11 Filipiniana Commercial Complex Brgy. Sto. Nino Calapan City, Oriental Mindoro 043-2867455/2881597 Puerto Princesa Extension Office Lustre Building, Rizal Avenue, Puerto Princesa City, Palawan 048-4335024/433-4522

LEGAZPI Hi-Tone Construction & Development Corp. Bldg. B. Imperial St. Bitano, Legazpi City 052- 8217923/8205743/ 480-8539 loc. 201 Masbate Extension Office Espinosa Apartment, Mabini St., Masbate City 056-3333678

NAGA Bldg. 1, ALDP Plaza Mall, Roxas Avenue (Diversion Road) Naga City 054-4723610/4731017 loc. 321 Daet Field Service Center Rafer Bldg. Magallanes, Iraya, Daet, Camarines Norte 054-4401640

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VISAYAS

ILOILO CITY F & E Bldg., Emmanuel Business Center, Benigno Aquino Avenue, Molo Iloilo City 033-3381031/3367436 Kalibo Extension Office 3rd Floor Garcia Bldg., C. La Cerna St. Kalibo, Aklan 036-2689335 Capiz Extension Office Acevedo Building, Mckinley Street Roxas City 036-6214165

CEBU SOUTH 1st, 2nd & 5th Floors Pag-IBIG Fund WT Corporate Tower, Mindanao Avenue, Cebu Business Park, Cebu City 032-4155003/416-3933/415-5009 loc. 1100/1102/1106/3300/ 032-2342778 Dumaguete Extension Office Philippine National Red Cross Bldg. Legaspi St., Dumaguete City 035-4228199/2257713

CEBU NORTH 3rd & 4th Floors, Pag-IBIG Fund WT Corporate Tower, Mindanao Avenue, Cebu Business Park, Cebu City 032-4161000 loc. 3301/ 032-4122172 Tagbilaran Extension Office Maria Clara St. Tagbilaran City 038-4125977/5018455 BACOLOD St. Francis Center, Araneta St. Singcang Bacolod City 034-4351137 to 40 loc. 107, 118 & 123

TACLOBAN Pag-IBIG Fund Bldg. Lopez Jaena St. cor. Del Pilar Extensions Tacloban City 053-3218297 Ormoc Service Center Rm 208, 2nd Floor, Superdome San Pedro Street, Ormoc City 053-2555089

NORTHERN MINDANAO

ZAMBOANGA CITY Pag-IBIG Fund Bldg. San Jose Road Baliwasan, Zamboanga City 062-9910091 to 92 Dipolog Extension Office 3rd Floor Ello Building, corner Arellano and Echavez Sts. Dipolog City 065-908-1178/2124542

PAGADIAN 2nd Floor DBP Building, Rizal Avenue, Balangasan District Pagadian City 062-2141695/215-2716/ 2144959 loc. 5 ILIGAN Ground Floor and 2nd Floor, Gonzales-Gimeno Bldg. IV, Tubod Highway, Iligan City 063-2213378

BUTUAN ARUJ Building, T. Calo Street Extension, Butuan City 085-3423183/225-2341 loc. 22 & 23/085-8156032 Surigao Extension Office Ground Floor, Lorna Laurente Bldg.,Rizal St.,Surigao City 086-8266212

CAGAYAN DE ORO Pag-IBIG Fund Building, J.R. Borja-Mortola St., Cagayan de Oro City 08822-714616/088-8561861 Malaybalay Extension Office Tubeo Bldg., Damasco St., Malaybalay City, Bukidnon 088-2214155

SOUTHERN MINDANAO

DAVAO CITY Pryce Tower Condominium Pryce Business Park, Bajada 8000, Davao City 082-2242285

TAGUM Ramos Bldg. Arellano St. Tagum City 084-4004696

GENERAL SANTOS CITY 2nd and 3rd Floors, RDRDC Building, Santiago Boulevard, General Santos 083-5527632/5523566 loc. 207/083-5545468 Koronadal Extension Office 2nd Level Fitmart Mall of Marvel National Highway, Koronadal City 083-2288125

KIDAPAWAN 3rd Floor Eva’s Mall Bldg. Quezon Blvd., Kidapawan City 064-5210238 Cotabato Extension Office 6th Floor, Cotabato Yu Ekey Marketing Bldg., Don Rufino Alonzo St., Cotabato City 064-4213120/4213332

Disclaimer

The provisions in this Charter may be revised or modified in accordance with new as well as amended guidelines and procedures any time without prior notice to the members. In such cases, the updated versions of the Citizen’s Charter may be accessed through the Pag-IBIG Fund

website at www.pagibigfund.gov.ph.