Pag-Ibig fund contribution for all filipino members

If you are not connected with a single company that considers you on its monthly payrol. you can become a member of the Pag-IBIG Fund as a Voluntary contributor. BUt  you have to shoulder of the contributions yourself without the aid of a company or employer. But if you are self-employed or you are on a business by yourself, you already know that you are in control of your financial direction, right?

Who should register to Pag-Ibig fund as a member?

*All employees, workers, professionals, officers and companies who are compulsorily covered by the SSS and GSIS.

*Uniformed members of the Armed Forces of the Philippines, the Bureau of Fire Protection, the Bureau of Jail Management and Penology, and the Philippine National Police;

*Overseas Filipino Workers (OFWs) 

 *Filipinos employed by foreign-based employers, whether deployed locally or abroad.* Non-working spouses of Pag-IBIG members;

*. Filipino employees of foreign government or international organization, or their wholly-owned instrumentality based in the  Philippines, in the absence of an administrative agreement with the Fund;

*Employees of an employer who is granted a waiver or suspension of coverage by the Fund under RA 9679;

*Leaders and members of religious groups;

*A member separated from employment, local or abroad, or ceased to be self-employed but would like to continue paying his/her personal contribution.

*Public officials or employees who are not covered by the GSIS such as barangay officials; and

*Filipinos naturalized in other countries

Monthly Compensation

Percentage of Monthly Compensation

	Employee Share	Employer Share
P1,500 and below	1%	2%
Over P1,500	2%	2%

The maximum monthly compensation used in computing the employee contributions is currently set at P5,000. This means that the maximum member contribution and employer counterpart per month are both currently P100.

The Fund offers its members the following benefits:             

  1. Savings            

   2. Short Term Loans            

   3. Access to Housing Programs 
A member may withdraw his TAV or savings after 20 years of membership with the Fund and after having made a total of 240 monthly contributions. 
A member may also withdraw his savings under any of the following valid grounds:        

  a. Retirement               

  • Early retirement at age 45             

    • Optional retirement at age 60               

  • Mandatory retirement at age 65        

 b. Permanent departure from the country       

  c. Permanent or total physical disability        

 d. Insanity    

     e. Termination from service by reason of health        

 f. Death of the member         

g. Optional withdrawal at 10 or 15 continuous years of membership                

  • A member who registered under RA7742 may be allowed to withdraw his TAV after 10 or 15 years of continuous membership.             

    • A member who registered under RA9679 may be allowed to withdraw his TAV after 15 years of continuous membership.     

    h. Other causes as may be provided by the Board of Trustees

Pag-IBIG Fund’s Short-term loan programs are meant to provide assistance to its members, provided they are active and have made at least 24 monthly contributions. 
There are two short-term loan programs that a member may avail of when the need arises. The Multi-Purpose Loan Program was designed to help finance members’ immediate medical, educational or livelihood needs; minor home improvement, purchase of appliance and furniture, and other related needs. 
Meanwhile, the Calamity Loan Program is extended to members who have been affected by a recent calamity, as proven by a declaration of calamity in their area of residence
Disclaimer: Im not connected in Pag-Ibig Fund. For more details  you can visit directly to their website www.pagibigfund.gov.ph or visit office branch near you and contact them for your more question and inquiry. But if you have question that i know i would glad to answer as long as i can.