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HomeTrendingPAG IBIG Virtual: Raise Funds For People In Need

PAG IBIG Virtual: Raise Funds For People In Need

Are you interested to know about the PAG IBIG virtual membership? PAG IBIG is a fund that has helped millions of people in need. Read this article to know more.

What is PAG IBIG virtual?

Pag-IBIG, also known as the Home Development Mutual Fund (HDMF), is a government agency in the Philippines that provides financial services to its members. Established in 1978, Pag-IBIG’s primary objective is to promote homeownership and provide housing opportunities for Filipinos. It operates under the Department of Human Settlements and Urban Development (DHSUD).

Services of PAG IBIG virtual:

  • Housing Loans: Virtual Pag-IBIG offers affordable housing loans to its eligible members. These loans can be used for purchasing a house and lot, constructing a new house, or renovating an existing property.
  • Multi-Purpose Loans: Members can avail themselves of short-term multi-purpose loans for various purposes, including emergencies, medical expenses, educational needs, and other immediate financial requirements.
  • Calamity Loans: During times of calamities or disasters, PagIBIG portal provides special loan programs to assist affected members in rebuilding and recovering from the impact.
  • MP2 Savings Program: PagIBIG virtual members have the option to participate in the Modified Pag-IBIG 2 (MP2) Savings Program, which offers higher dividend rates than the regular savings program. The MP2 program provides a more attractive investment option for those looking to grow their savings further.
  • Provident Savings: Members contribute a portion of their salary to their provident fund account. The contributions earn dividends over time and can be withdrawn upon retirement, permanent departure from the country, or upon reaching the age of 65.
  • Membership Registration: Individuals who are eligible to become Pag-IBIG members can register with the Fund to avail of its services and benefits.
  • Online Services: Pag-IBIG offers various online services, including online registration, online payment facilities, and online applications for loans and other transactions.
  • Loyalty Dividend: Qualified Pag-IBIG members receive an annual dividend on their savings. The dividend rate is usually determined based on the fund’s financial performance.
  • Benefits for Overseas Filipino Workers (OFW): Pag-IBIG provides specialized services for OFWs, allowing them to remit their contributions and apply for loans conveniently.

PAG IBIG Virtual Membership ID:

The virtual Pag IBIG MID Number, also known as the Pag-IBIG Membership Identification Number, is a unique identification number assigned to members of the Pag-IBIG Fund in the Philippines. It serves as a primary reference for individual members and is used in all Pag-IBIG transactions and services.

What is the Use of PAG IBIG Virtual MID Number?

The Pag-IBIG MID Number is important because it allows you to access various Pag-IBIG services online and at Pag-IBIG branches. With your MID Number, you can check your contributions, apply for housing loans, withdraw your provident savings, and perform other transactions related to your Pag-IBIG membership.

Eligibility Criteria for  Membership

  1. Mandatory Membership for Employees: Private and public employees, regardless of nationality, are required to be members of Pag-IBIG if they meet the following criteria:
    • Not more than 60 years old.
    • Employed by a company or organization that is registered with Pag-IBIG.
  2. Voluntary Membership: The following individuals may opt to become voluntary members of Pag-IBIG:
    • Self-employed individuals.
    • Overseas Filipino workers (OFWs).
    • Non-working spouses with the capacity to pay their contributions.
    • Individuals who are separated from employment but were Pag-IBIG members previously.
  3. Government Employees: Government employees are covered by Pag-IBIG if they are under the jurisdiction of the Civil Service Commission (CSC).
  4. Uniformed Personnel: Members of the Armed Forces of the Philippines, Bureau of Fire Protection, Bureau of Jail Management and Penology, and the Philippine National Police are covered by a separate provident fund system, but they can choose to become Pag-IBIG members voluntarily.

PAG IBIG Membership:

  1. Complete the PAGIBIG Registration Form (MRF): Obtain the Pag-IBIG Membership Registration Form (MRF) from any Pag-IBIG branch or service center. You can also download the form from the official Pag IBIG portal. Fill out the form completely and accurately.
  2. Prepare Required Documents: Depending on your employment status, you may need to provide specific documents. Commonly required documents include a valid ID (passport, driver’s license, etc.), birth certificate, Tax Identification Number (TIN), and proof of income or employment.
  3. Submit the Form and Documents: Visit the nearest Pag-IBIG branch or service center. Submit the accomplished Membership Registration Form and the required documents to the Pag-IBIG personnel. They will process your application and provide you with your Pag-IBIG membership ID number.
  4. Pay the Initial Contribution: If you are employed, your employer will facilitate the deduction of your initial contribution from your salary. For self-employed or voluntary members, you can pay your initial contribution at the Pag-IBIG branch or through authorized payment centers.

How to get PAG IBIG virtual membership?

  1. Visit the Pag-IBIG Fund website: Go to the official website of Pag-IBIG Fund (
  2. Click on “E-Services”: Look for the “E-Services” or “Online Services” tab on the website’s main menu. Click on it to access the online services page.
  3. Select “Member’s Online Services”: On the online services page, you’ll find different options. Look for “Member’s Online Services” or a similar option related to members.
  4. Click on “Register” or “Sign Up”: Once you have found the member’s online services section, click on the “Register” or “Sign Up” button to begin the registration process.
  5. Provide Your Details: You will be asked to enter your Pag-IBIG MID Number (Membership Identification Number) and other personal details for verification.
  6. Create a Username and Password: Follow the prompts to create a unique username and password for your online account. Ensure your password is strong and secure.
  7. Verify Your Account: After completing the registration, you may need to verify your account. Pag-IBIG might send a verification link to the email address you provided during registration.
  8. Log in to Your Online Account: Once your account is verified, you can log in to your Pag-IBIG online account using your newly created username and password.
  9. Explore the Online Services: Now that your account is active, you can explore the available online services provided by Pag-IBIG. These services may include checking your contributions, applying for loans, updating your information, and more.

How to Make Contributions?

  • Voluntary Contributions: Self-employed individuals, freelancers, or those with no employer-employee relationship can make voluntary contributions. They can visit a Pag-IBIG branch and fill out a Contribution Payment Form (MCRF) to make their payments.
  • Online Payment: Pag-IBIG Fund provides an online payment facility through its website, allowing members to make contributions conveniently. Members can use various online payment methods, such as credit/debit cards, online banking, or e-wallets, to pay their contributions.
  • Payment Centers: Some authorized payment centers, such as banks and remittance centers, accept Pag-IBIG contributions. Members can visit these centers and provide their Pag-IBIG account number and the amount they wish to contribute.
  • Overseas Remittance: For Overseas Filipino Workers (OFWs) or those residing outside the Philippines, Pag-IBIG has partnered with various remittance companies and banks worldwide to accept contributions. OFWs can remit their contributions through these authorized channels.
  • Salary Deduction for Government Employees: Government employees can also have their Pag-IBIG contributions deducted directly from their salaries.
  • Pag-IBIG Branch or Service Centers: Members can visit any Pag-IBIG branch or service center to make their contributions in person.

Frequently Asked Questions about PAG IBIG Virtual:

What is Pag-IBIG?

Pag-IBIG (Home Development Mutual Fund) is a government agency that provides financial services, particularly housing loans and savings programs, to its members.

Who can be a member of Pag-IBIG?

Membership is open to private and government employees, self-employed individuals, voluntary members, overseas Filipino workers (OFWs), and other individuals as determined by Pag-IBIG Fund guidelines.

How do I become a Pag-IBIG member?

To become a member, you need to register and complete the Pag-IBIG Membership Registration Form (MRF) with the required documents at any Pag-IBIG branch or service center.

How do I check my Pag-IBIG contributions?

You can check your Pag-IBIG contributions online through the Pag-IBIG website or inquire at any Pag-IBIG branch or service center.

What are the benefits of being a Pag-IBIG member?

As a Pag-IBIG member, you can avail yourself of housing loans, short-term loans, and other financial services. Your contributions also earn dividends, and you can withdraw your provident savings upon meeting certain conditions.

How can I apply for a Pag-IBIG housing loan?

You can apply for a housing loan by visiting a Pag-IBIG branch, filling out the necessary forms, and submitting the required documents.

How do I update my Pag-IBIG information?

You can update your Pag-IBIG information by visiting any Pag-IBIG branch and providing the necessary documents for verification.


Pag-IBIG Fund is a significant resource for millions of people, helping them achieve their housing and financial goals. Eligible individuals can become members by registering with Pag-IBIG and making regular contributions, either through employer deductions or voluntary contributions for self-employed individuals and other eligible groups.


David Scott
David Scott
Digital Marketing Specialist .


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