As mandated by R.A. 9510 pr the Credit Information Systems Act (CISA), the Pag-IBIG Fund is required to submit its housing loan borrower's Basic Credit Data and other credit information to the Credit Information Corporation (CIC).

What's the proper process for applying a Pag-ibig Housing Loan Application (for developer assisted application)? My sister paid the equity for almost a year for the house she purchased and haven't applied for a Pag-ibig housing loan (yet). I agreed to be her co-borrower so that she will pass the required gross monthly income. (we agreed that she will be the one responsible on paying the mortgage if ever she pass, not me). However, I've been skeptic about the developer due to the requirements they've requested from me and the process (which didn't match with the requirements on the pag-ibig website.


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A. Requirements as a co-borrower. I sent them the same requirements as my sister (proof of income, valid ids, COE etc). The developer didn't asked me to fill-out the housing loan application form for co-borrower (which is a red flag on my end) but instead they sent me an SPA, granting authority to my sister to sign any document related application. I've been skeptic since the SPA they sent me seems like I am the principal borrower (which in case should be not). Here's the content of the SPA they've sent me (HQP-HLF-064)

To execute, sign and deliver housing loan application and mortgage contract in connection with my/our application from the Pag-ibig Fund for loan in any amounts that me be approved by the said government financial institution, offering as security for the payment of the said loan the property/ies situated at [The property my sister plans to purchase] and registered under [TCT No] of Registry of Deeds under such terms and conditions and under such covenants which may/our said Attorney-in-Fact may deem proper and convenient.

To execute, sign and deliver Promissory Notes/Notes in favor of the Pag-ibig Fund, as well as other documents that may be required by the said government financial institution in connection with the said loan.

B. Proper process for developer assisted application? As far as I know, before purchasing a property, one should apply first for the pag-ibig housing loan for them to assess if the principal borrower is capable of purchasing the property. What happened is the developer allowed my sister to pay the monthly equity for almost a year. It happened that my other sibling is not eligible as her co-borrower so my sister requested if I can be her co-borrower instead (which I agreed given that I should not be held liable for any payments). She was informed by her developer (after paying for a year) that if she won't be able to find an eligible co-borrower, she will only get 50% of the total equity payment she made.

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Hello, you can check your MID number via this link www.pagibigfundservices.com/virtualpagibig/MIDInquiry.aspx. Enter your tracking number, last name and birth DAI format (DD/MM/YYYY). Your MID number will only be available 2 business days after you register. After installation, download the Pag-IBIG MDF form here or access this Pag-IBIG link. Send the new Pdffiller Pag Ibig form electronically as soon as you have finished filling it out. Your data is protected securely because we comply with the latest security requirements. Become one of the millions of satisfied customers who already submit legal submissions directly from home. via the Pag-IBIG Online Services website. Once you have submitted your registration online, you can already print your MDF without having to go to an IBIG office in Pag to secure this document.

Be sure to fill in all the required details. Note that the form consists of several tabs, such as .B. Member Information, Other Information, Address, Contacts, Heirs, Member Category and Employment History, so you need to go through each tab and enter the requested details. Review the details of your form and save the document. You now have a personal copy of your Pag-IBIG MDF. I am registered online but I have not obtained a Pag-ibig ID number, please help get my Pag-ibig number, this is the registration tracking number. 921360409069 because I really need it before December 28, 2021 Thank you.. .

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For inquiries or application, you may get in touch with Pag-Ibig (HDMF) at (+632) 87244244 or contactus@pagibigfund.gov.ph. The application form for MPL can be accessed here and the application form for Calamity Loan here. Online application procedures can be accessed here or here. (sources: HDMF website and official Facebook page)

The Pro-forma Health Statement Form (Medical Questionnaire) is available at the Members Services Support Division-Servicing Department for NCR or at any Pag-IBIG Regional Branch or downloadable from the Pag-IBIG website, www.pagibigfund.gov.ph. ff782bc1db

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