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HomeBuying 101

Pag-IBIG Financing

Step-by-step guide on how to acquire your dream home.

Reserve It!

✓ Choose your property
✓ Pay Reservation Fee
✓ Sign and submit sales documents

Get Oriented

✓ Complete submission of Buyer’s documents
✓ Issue Post Dated Checks for DP
✓ Pre-sign Agreements/Contracts

Stay Updated

✓ Submit updated documents 3 months before Full DP (FDP)
✓ We will start building your home

Get Approved

✓ Pass Credit Investigation (CI)
✓ Sign loan documents and attend HDMF seminar (Buyer’s Validation Sheet & Membership Status Verification Slip)
✓ Wait for loan approval

After Loan Approval

✓ Submit post-dated checks (PDCs) for 24 amortization

Apply for Move-In

✓ Receive an invitation for Move-In
✓ Attend Move-In Orientation
✓ Pay for Move-In fees

Move-In Experience

✓ Pick a day for house acceptance
✓ Go to site
✓ Accept your new home
✓ Move-in!

House Makeover

✓ Apply for improvements
✓ Settle construction bond
✓ Get a construction permit and have fun customizing!

Get your Title

✓ Sign final docs
✓ Complete full payment
✓ Go to Pag-IBIG to receive your title

Pag-IBIG Loan Requirements

List of requirements needed for loan approval under Pag-IBIG financing.

Locally Employed Requirements

✓ 4 Pcs 1×1 Colored Photo/ID Picture
✓ 2 Valid Government Issued ID
✓ Birth Certificate (if Single)
✓ Marriage Contract (if Married)
✓ HDMF Transaction Card/ Loyalty Card ID
✓ TIN Verified (BIR FORM 1904)
✓ Latest Proof of Billing Address
✓ Notarized Certificate of Employment with Compensation
✓ Three Months Payslip
✓ Latest Employee Status Accumulated Value (ESAV) with at least 24 months Pag-IBIG/Bank contribution for POP/Local Self Employed
✓ Special Power of Attorney (if applicable)

OFW Requirements

✓ 2 Valid ID AIF
✓ 4pcs 1×1 Colored Photo/ID Picture
✓ 2 Valid Government Issued ID
✓ Birth Certificate (if Single)
✓ Marriage Contract (if Married)
✓ HDMF Transaction Card/ Loyalty Card ID
✓ TIN Verified (BIR FORM 1904)
✓ Latest Proof of Billing Address
✓ Authenticated Latest Contract of Employment (Translated if applicable)
✓ Three Months Remittances / Proof Remittances
✓ Three Months Payslip (Translated if applicable)
✓ Resident Permit
✓ Working Visa
✓ Consularized, Notarized or Apostille Special Power of Attorney
✓ Copy of Latest Passport with Signature
✓ Passport with Entry and Exit Stamp
✓ Membership Status Verification Slip (MSVS) Approved Loan Counselling Questionaire
✓ Latest Employee Status Accumulated Value (ESAV) with at least 24 months Pag-IBIG/Bank contribution for POP/ Local Self Employed
✓ OWWA Certificate & POEA Overseas Employment Contract (For Pag-IBIG only)

Self-Employed Requirements

✓ 4 Pcs 1×1 Colored Photo/ID Picture
✓ 2 Valid Government Issued ID
✓ Birth Certificate (if Single)
✓ Marriage Contract (if Married)
✓ HDMF Transaction Card/ Loyalty Card ID
✓ TIN Verified (BIR FORM 1904)
✓ Latest Proof of Billing Address
✓ Latest 6 Months Bank Statement
✓ Latest 3 years Audited Copy of Latest Business Registration (SEC/DTI), Mayors Permit, Business Permit, and Business License
✓ Latest 3 years Income Tax Return (Authenticated by BIR) with official Receipt
✓ ITR 1701 (Certified by BIR)
✓ Picture of Business
✓ Sketch of Business Address
✓ Latest Employee Status Accumulated Value (ESAV) with at least 24 months Pag-IBIG/ Bank contribution for POP/Local Self Employed

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