Get Loans for Home Improvement

The Home Improvement, Renovation, Construction Loan can be used as financial support
for home improvement projects such as the alteration of your current home.

Getting home improvement loans can be as difficult as getting a new housing loan from
Pag-IBIG. However, a multi-purpose loan for home improvement is worth the effort because
the alteration of your existing home will improve its quality and property value. The amount
you can loan depends on factors such as your capacity to pay, the loan amount you
requested, and your actual need.

To get an estimate of how much you can yourself ail given your current salary, Pag-IBIG has
a housing loan affordability calculator.   

Can I Apply for a Multi-purpose Loan?
If you are already a Pag-IBIG Fund member, you must satisfy the rest of the requirements to
apply for the

How Do I Know if My Application Has Been
Approved?
If you fail any of the requirements, your loan application will not be approved. However, if it
is approved, you will receive a Notice of Approval/Letter of Guarantee. 

You will have 90 calendar days to complete the next requirements:

 BIR for payment of capital gains tax & documentary stamps
 Local government unit for payment of transfer tax and transfer of tax declaration 
 Registry of Deeds for transfer of the title and annotation of mortgage

How Much Can I Borrow from a Pag-IBIG Multi-
Purpose Loan?
You can borrow up to 80% of your total Pag-IBIG Regular Savings. Your regular savings is
made up of your monthly contributions, your employer’s contributions, and the accumulated
dividends you’ve earned. The more savings you have with Pag-IBIG, the higher the amount
you can borrow from the Pag-IBIG multi-purpose loan.

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 Local government unit for payment of transfer tax and transfer of tax declaration 
 Registry of Deeds for transfer of the title and annotation of mortgage


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Since the PAG-IBIG multi-purpose loan is also a salary loan, the amount you can borrow also
depends on the number of months you’ve already contributed and the total accumulated
value of your contributions. The minimum monthly contribution you should have before
applying is

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