Thursday, October 3, 2013

How to Reactivate your PAG-IBIG Membership

My husband recently emailed PAG-IBIG to inquire about reactivating his membership since he stopped his contributions years ago when he ceased to become an employee. I honestly didn't expect anything to come out of it since, you know, this was a government agency, but I had to swallow my skepticism because PAG-IBIG replied not just once, but both times my husband sent it an email!


Kudos to the present CEO Atty. Darlene Berberabe (who was my professor back in law school) for whipping this agency back in shape and also for initiating the case against the mega estafador- hiding because he's hella guilty-Delfin Lee.

Anyway, I have pasted the email response to my husband and it contains the different documentary requirements for membership and reactivating your PAG-IBIG membership.

You're welcome :)


From: "Public Affairs" <>
Date: Oct 3, 2013 2:09 AM
Subject: RE: Membership
To: "Gabriel H. Mercado" <xxxxxx@xxxxx>
Cc: "Public Affairs" <>

Good day to you, Mr. Mercado.

Please be guided that we do not accept/allow retroactive payments for those unpaid months. It will automatically be considered as gap/s.


Filipinos who are not regularly employed but belong to other working groups can join the Pag-IBIG Fund on a voluntary basis.

To join Pag-IBIG:

  1. Submit accomplished MDF (2 copies) and all required documents to the Marketing Division of the concerned Pag-IBIG branch office(bring all originals for authentication)

  2. Secure Payment Order Form (POF) from Marketing staff and proceed to Cash Division for payment of contributions

  3. For succeeding payments, bring 2 photocopies of Official Receipt (bring original copy of OR for authentication) and present all verified/stamped documents to Marketing Division.

  4. Secure Payment Order Form before proceeding to Cash Division for payment of contribution

REQUIREMENTS FOR INDIVIDUAL PAYORS (IP) – depending on source of income


  • Certificate of Employment & Compensation (notarized)

  • Latest payslip (last 2 months)

  • Photocopy of Company ID


  • Latest Income Tax Return (ITR) with Financial Statement of the previous year certified by a CPA

  • Certificate of Remittance/ESAV (for old members)

  • Two 1x1 ID pictures

  • SEC or DTI Registration (should be under the member’s name)

  • Business Permit or Mayor’s Permit


  • Franchise Permit (under the member’s name)

  • Official Receipt or Car Registration (under member’s name)

  • Latest ITR (previous year)

  • Two 1x1 ID pictures


  • Affidavit of Unemployment

  • Certificate of Remittance or ESAV

  • Two ID pictures


  • Latest and valid Contract of Employment (with POEA original stamp)

  • Certificate of Remittance or ESAV

  • Passport or any Valid ID/POEA license

  • Two 1x1 ID pictures

  • Special Power of Attorney (SPA), in case a representative shall submit the documents and pay the member’s contributions


  • Latest ITR (previous year) or Commission Voucher

  • Certificate of Representation from company (notarized) or Company ID

  • Certificate of Remittance or ESAV (for old members)

  • Two 1x1 ID pictures


  • Certificate of Employment and Compensation

  • Valid ID of Employer and Employee

  • Duly accomplished MCRF


  • Latest ITR (previous year)

  • Certificate of Remittance or ESAV (for old members)

  • Two 1x1 ID pictures


  • Written consent from member-employed/working spouse

  • Certificate of Employment and Compensation of member-working spouse (notarized)

  • Affidavit of Unemployment

  • Two 1x1 ID pictures

  • If member-spouse has own business

§  Latest ITR (previous year)
§  Business Permit or Mayor’s Permit
§  SEC or DTI Registration

q  Monthly contributions of unemployed members (reactivating or non-working spouse) shall be P200.00
q  The unemployed member has the option to upgrade his monthly contributions, but may not downgrade the amount
q  Individual payors or voluntary members have the option to choose their terms of payment, e.g monthly, bi-monthly, quarterly, etc.

To reactivate and continue your contribution, you may submit a Members Data Form together with affidavit of unemployment (for unemployed) to Pag-IBIG Fund branch where your previous employer remits your contribution.

For Self-employed with Business, accomplish Members Data form attached a copy of Mayor’s or Business Permit or ITR.

For self-employed under waived company, accomplished Members Data form with certificate of employment form your employer.

For employed, kindly fill out the Members Data form and submit it to your company.

* Please click here for the official PAG-IBIG website.


  1. Atty Berberabe's TV ad convinced me to increase my Pag-ibig monthly contribution. 4% interest is not bad. Also, it's a way to avoid tax (this was not mentioned in the ad).

  2. Yeah, 4% is no chump change. I wonder if as an employee I can make extra Pag-ibig contributions on top of what's already deducted from my salary.

  3. You can. In my case, I just informed our Finance Dept. Regarding tax, mali pala ako. My HDMF contribution is still included in my taxable income. Yung company's share lang ang dineduct. tsk tsk

  4. Thanks! I'll look into this ASAP.

  5. ask ko lng po anu po kylangan gawin kc kumuha kami ng bahay sa tanza tru pag.ibig,,sa dating company ng asawa q may 29months na xang hulog..lumipat xa ng ibang company hnd cla kinakaltasan ng sa pag.ibig..sss lng..ask ko lng po anu kya kylangan naming gawin para ma approved ng pag.ibig ung housing loan namin..ty po

  6. Hi Janice,

    Dapat tanungin ng asawa mo bakit hindi sila kinakaltasan ng Pag-ibig kasi nasa batas yung Pag-ibig contributions.

    Habang hinihintay niyo na sumunod sa batas ang kompanya ng asawa mo, mag voluntary contributions muna siya sa Pag-ibig. Ituloy na niya yung mga contributions niya galing sa dati niyang pinagtatrabuhan para makakuha kayo ng housing loan.

  7. Hi.. gusto kolang po i ask..
    Agency kasi ang kumuha ng pag ibig menbership namin (2012-) now gusto q sana let mag start maghulog sa pag ibig the prob is i dont know my pag ibig #.. ano pokaya pwede ko gawin.. and pano yung mga months/years na wala aq hulog.. thankspo

  8. Maam/sir;isa po aq ofw at gusto ko po ipa reactivate ung account ko dhil mtgal n po aq di nkpghulog,so now ano po advice niyo skin pra mkpgstart n po aq mkpghulog kc my blak po aq kumuha ng bhay,salmat po :-)

  9. Hi Jhen,

    Pumunta o tumawag ka na lang sa Pag-ibig para makuha yung number mo. If naghulog nga yung dati mong employer, dapat may number ka at madali naman mahanap yun ng Pag-ibig.

  10. Hi Eva,

    Heto yung nakalagay na requirements para sa OFW na gustong maghulog ulit sa Pag-ibig:


    Latest and valid Contract of Employment (with POEA original stamp)
    Certificate of Remittance or ESAV
    Passport or any Valid ID/POEA license
    Two 1×1 ID pictures
    Special Power of Attorney (SPA), in case a representative shall submit the documents and pay the member’s contributions

  11. benzon de guzmanMarch 1, 2016 at 5:52 AM

    pede po ba mag member sa pagibig kahit hindi na po Filipino citizen? d2 po ako sa ibang bansa at citizen na d2 pero gusto ko po sana mag member? pede po ba at paano?

  12. Gud day po maam/sir.
    ask q lng po..paanu po mallaman kng active pa po ang pa- ibig ko.mtgal n po kc na dna nahulugan.mula nag stop aq ng work sa pinas..pede po ba makapag active true online? Thanks po..

  13. Hi Jean,

    Pwede kang tumawag sa Pag-ibig hotline (7244244) o magpadala ng emails sa . Ihanda mo lang ang Pag-ibig number at katanungan mo para matulungan ka nila.

  14. Hi Benzon,

    Sumulat ka na lang sa Pag-ibig para isangguni ang iyong katanungan. Hindi kasi ako taga-Pag-ibig kaya hindi ko masasagot ang tanong mo.

  15. good day!

    Paanu po ba gagawin para ma convert from ofw to self employed member? Simula po nung umuwi kami dito 2014 di na kmai nakapag hulog at nag start na kami ng negosyo. Anu pong dapat na procedure?


  16. Hi Uma,

    Mas mabuti kung mag-email ka na lang sa para masagot ang tanong mo. Hindi kasi ako taga Pag-ibig so hindi ko rin masasagot kung paano mag convert from ofw to self-employed member.

  17. Joyce Gayle CatangayMarch 29, 2016 at 2:01 PM

    gusto ko po sana ituloy ang contribution ko sa Pag-ibig. Matagal ko na po kc di nahuhulugan. Last ko pong hulog eh nasa company po ako sa Pilipinas, ngayon po ay OFW napo ako. pano, ano at saan po ako pwede mag submit ng mga kailangang papeles?

  18. neil ryan beltranMay 15, 2016 at 5:11 AM

    hi sir/maam,
    dati po akong member ng pagibig sa loob ng almost 8 years and i decided to resign my previous company sa pinas at ngaun po OFW nako,ang tanong ko po papano ko malalaman kung hinulugan ng bago kong company ang pagibig ko kc po yun ang pinirmahan nmin sa contract sila daw ang maghuhulog sa loob lamang isang taon,gusto ko po sana ipagpatuloy ang nasimulan kong hinulugan sa loob ng 8 taon,papano po?
    i need a guidance or assistance from the PAGIBIG,para po sa mga benepisyo ko.maraming salamat and godbless

  19. Hi Neil,

    Sumulat ka na lang sa Pag-ibig ( at doon mo itanong yung mga issue mo sa hulog at pagiging OFW. Mabilis naman sila sumagot sa mga email.

  20. Thanks for posting this. I need to reactivate my account now nakakapanghinayang lang din yung mga nahulog ko. Tyagain ko na lang ang mga requirements.

  21. Hi,

    Maybe I just missed it,but for Self-Employed (Commission Basis) status,do you guys know what needs to be done since I'm planning to apply for a Housing Loan?I used to be employed for 12 years or so and was paying contributions diligently,but resigned and is now a Real Estate agent just earning commissions.Thanks po ng madami.

  22. Hi Julz,

    You can find the requirements for taking out a Pag-ibig housing loan here:

    The basic requirement is at least 24 monthly contributions, but if you can't meet that, because in your case you stopped making contributions when you became a real estate agent, you are allowed to make a lump sum payment to meet the requisite 24 monthly contribution.

    Just read the FAQs section in the Pag-ibig page and if you have any more questions, you can go directly to the Pag-ibig hotline (

    I hope I was able to help!

  23. hello po sir/ma'am,,
    I was planning na mg housing loan nxt year kaso po yong last n contribution ko nung 2013 p po...mkaka.avail po ba ako nun?...
    Salamt po...

  24. Hi Ashley,

    Hindi ka maa-approve ng housing loan kasi dapat up to date ang membership contributions mo at may tuloy-tuloy kang minimum contributions na 24 months.

    Pwede namang mag-hulog ng 24 months sa isang bagsakan para maka-apply ka ng housing loan. Pumunta o tumawag ka na lang sa Pag-ibig para masagot nila ang mga tanong mo at maabisuhan ka kung ano ang pinaka-ok na gawin para makapag housing loan ka.

  25. salamt po sa rply...very much appreciated..
    God bless po.. :-)

  26. Hi,

    dati akong member noong nagtuturo ako sa pinas 2007 to 2010 , pero nag abroad ako at ngayong 2016 naisip ko ipagpatuloy ang aking pag ibig membership puede ba yun? kung saka sakali puede ba akong mag loan ng bahay kung me lote na ako?

  27. ReactivAte ko po ung membership ko, d2 po ako san jose del monte bulacan, san po pinakamalapit n branch? Thank u po!☺

  28. Hi po. Ask ko lang po halos 11 mos. Na po ako walang work. Pwede ko parin po ba ipagpatuloy paghulog ko sa pag ibig? At babayaran ko parin po ba yung 11mos. Na full kapag magpapa reactivate po ako? Thank you sa sasagot.

  29. Hi Iris,

    Pwede mo namang ipagpatuloy yung Pag-ibig contributions, pero hindi na pwedeng bayaran yung 11 months na hindi ka nakapag-contribute, considered na gap na yon sa account mo.

  30. Gud day po ask lang po kung pwede ko po reactivate ulit ang pag ibig contribution ko unemployed na po ako ng 3years at may balance pa po ako sa loan ko pwede ko po bang bayaran ng buo yung balance sa loan ko? At pwede po bang e voluntary ko na lang anu anu po ang requirements?

  31. Hello po, paano ko po malalaman kung active pa po yung pag ibig id ko po since nagkaroon po ako ng I'd 2013 hindi ko pa po siya nahuhulugan. Pero ngayon po nasa abroad ako gusto ko maghulog para kahet papaano makauwe man ako pinas makukuhaan ako bahay

  32. Hi Chanelle,

    Pwede ka mag-email ka sa para malaman ang status ng Pag-ibig account mo.

  33. I was working as an illegal worker kea po wla aq legal paper pra magapply as ofw... gusto ko po sna mgvoluntary contribution pde po b un?? pde po bng pamilya ko magasikaso?itanong ko n din po kz ung umid id nakalagay n pagibig dun...

  34. Hi Jhepay,

    Mas mabuti kung sa Pag-ibig ka na mismo magtanong, kasi sila talaga ang makakasagot sa mga katanungan mo. Hindi kasi ako nagtatrabaho sa Pag-ibig.

    Heto ang email address ng Pag-ibig:

  35. Good day po mam gysto ko lang po sana itanong kung pwede ko pa po ba ituloy hulog ko sa Pag Ibig po kahit di na po ako nag tatrabaho ...??Plano ko po kasi sana mag avail ng Housing Loan po..
    salamat po sana matulungan po ninyo kami

  36. Rosana lopez NivalMay 4, 2017 at 6:44 PM

    Hi..po..gsto kpo ipa activate yng pg ibig fund kpo.

  37. Hi po..ask q lng po 2016 p po ung last contribution ng amu ng byaw q.mag aavail po sna cla ng housing loan 45mos n po hulog pwede po b mkapag avail cla khit 2016 p ung last payment?tnx po s reply..

  38. Hi Diana,

    Sa Pag-ibig ka na lang please magtanong kasi sila talaga ang makakasagot niyan. Pwede kang mag-email sa o kaya ay pumunta ka sa Pag-ibig branch.

  39. Hello po, Paano q po maveverify ung contribution q sa pag-ibig, 10years na po hindi active. Ibat- ibang company pinasukan q... Pwede pa po ba i-reactivate un?

  40. Hi Rowena,

    Para ma-verify ang Pag-ibig contributions mo, pwede kang mag-email sa Pag-ibig o kaya pumunta sa Pag-ibig office na malapit sa yo.

    Ihanda mo lang ang Pag-ibig ID number mo para madaling mahanap ang records mo.

  41. Good am po ma'am ask ko Lang po if paano po gagawin ko kasi gusto ko ituloy pag ipig Pano po yung process na gagawin ko ma'am Ngayun ang gamit ko na ngayun is yung last name ng asawa ko

  42. Hi Vijay,

    Pwede mo pa naman ituloy yung PAG-IBIG contribution mo kahit ginagamit mo na ang pangalan ng asawa. Basta alam mo ang Pag-ibig member number mo, kahit kelan mo gusto ay pwede mong ituloy ang paghulog ng Pag-ibig contribution mo.

    Kung may iba ka pang concern, mas mabuti na pumunta ka na lang sa isang Pag-ibig office at doon magtanong.

  43. Hello mam,
    Ask ko lng po kc for closure na po bahay ko then sabi ni pagibig pwede ko daw pasalo sa kapatid ko. Kaso 3yrs syang regular sa work at nghuhulog xa ng pagibig nya as self employed. Qualify kya xa na saluhin ung bahay ko?
    Thank u po.

  44. Hi Mackie,

    Sa pagkakakaalam ko, basta active member sa Pag-ibig pwede magtransfer ng loan account. Hindi naman titingnan kung emploeyado ka o self-employed, ang importante ay active member ka at up to date ang membership dues.

  45. Hello mam,
    Tanong q lng po kung pwedi q pa mahulogan yung pag ibig number q? Lastyer po aq nag apply pero di q na nahulogan after ng isang hulog kc umuwi po aq ng probensya...

  46. Hi Tin2x,

    Pwede kang mag-resume ulit ng paghulog sa Pag-ibig account mo. Pero hindi mo pwedeng bayaran o iback-pay yung mga nakaraang buwan na hindi ka nakapaghulog. Current at future payments lang ang pwede.

  47. Hi po good day po ask q lng po balak q sana iwithdraw ung 3years c0ntributi0n q . .kc alm0st 3years na po aq hndi nkahulog at hndi narn po aq active sa previous company q.slamat & merry x-mas

  48. Hi Rexsses,

    Sa pagkakaalam ko, hindi na-wiwithdraw yung Pag-ibig contributions. Pero pakitanong na lang direcho sa Pag-ibig para sigurado, kasi hindi ako taga-Pag-ibig.

  49. Hello paano malaman Ang Pag ibid I'd member ,dahil na di ko na alam Ito
    Nag try ako g mag register ,nag note na existing na ako.

  50. Hi Jerry,

    Pwede kang tumawag o mag-email sa Pag-ibig para malaman ang Pag-ibig ID number mo.

  51. hi..offset po yung apgibig membership ko dahil may salary loan balance ako na hindi ntapos bayaran dahil nangibang bansa po back to zero na po ako..ngayon gusto ko sna hulugan pra mka-avail ng housing loan..pwede po kayang mgbayad ng monthly contribution kahit hndi na ko pumunta sa office nila??thanks po

  52. Hi Jerruel,

    Malamang pwede mong ipagpatuloy ang paghulog ng monthly contribution basta alam mo ang member ID number mo.

    Pero para makasigurado, tumawag ka na lang sa Pag-ibig hotline.

  53. 5 yrs nakong di nakakapaghulog sa pagibig pwede ko ba syang ituloy hulugan kashit hindi na pumunta sa pagibig offices?

  54. Hi Roselle,

    Nasa post yung mga requirements para sa reactivating Pagibig members. Please refer to it. Thanks!

  55. Ma. Thea FerreraJune 19, 2018 at 2:59 PM

    What if what Pag ibig na po ako 2 years ago sa dating company po na pinagtatrabahuhan ko, ngayon self employee nalang ako. Pwede ko pa rin bang ituloy pagibig ko? Thanks.

  56. Hi Thea,

    Yes, pwede mong ipagpatuloy ang Pagibig contributions mo kahit na self-employed ka na ngayon. Gamitin mo lang ang number pag ihuhulog mo ang contribution mo sa Pag-ibig o mga accredited payment centers.

  57. Dear Mr. Jillsabs,

    good day po! ask ko lng po sana regarding on my contribution sa Pag Ibig kasi iwas unemployed for almost 2 years due to sickness then last month July binayaran ko ksi for voluntary na then last this month po August pero yung payment ko po pumapasok sa system po ng dati ko na employer pano po yan ,I was wondering po if pwedi po ako mag loan ng mga previous ko na contribution pero bakit pumapasok sa previous employer ko po? pwedi po ba maka hingi ng ad ise nito?

  58. Maam ask ko lng po if pwede ko pa mareactivate ang aking account sa pagibig it was way back 2010 pa po nong last mahulugan yon.

  59. Emraida Salminen (Formerly EMRAIDA M. ABEDIN my single name)November 20, 2018 at 3:34 AM

    Ask ko lang po... How to reactivate my PAG-IBIG FUND PROGRAM?... last contribution po was year 1990 under OFFICE OF MUSLIM AFFAIRS my last employment in the Philippines. I don't have or remember my Member ID anymore. Thank you very much.

    Office of Muslim Affairs