Disclaimer

Not an official Pag-IBIG Fund channel

Pag-IBIG Fund Guide is an independently operated website. It is not the Home Development Mutual Fund (Pag-IBIG Fund), is not affiliated with it, and cannot process applications, contributions, withdrawals, or loans on your behalf. For official transactions, use Virtual Pag-IBIG or visit a Pag-IBIG branch directly.

Planners are illustrative, not predictive

The MP2 Savings Planner, Housing Planner, and every planner that follows use a flat assumed rate you choose, applied consistently across the term you select. Actual Pag-IBIG dividend rates are declared annually, have varied year to year, and are not guaranteed to match any rate shown here — past performance shown in the Dividend History section does not indicate future results.

Health scores and DTI figures are a model, not an assessment

The Financial Health Score, Financial Readiness Score, and DTI figures shown in the planners are computed by a transparent, published formula on this site — not by Pag-IBIG Fund's actual underwriting or Net Disposable Income (NDI) methodology. A high score here is not a loan pre-approval, and a low score is not a rejection. Actual eligibility is determined by Pag-IBIG Fund at the time you apply.

Not financial, tax, or legal advice

Guides and planner recommendations (contribution strategies, downpayment suggestions, and similar) are general and educational. They do not account for your complete financial picture and should not be treated as personalized advice. Consider speaking with a licensed financial advisor for decisions specific to your situation.

Content accuracy

Guides are reviewed for accuracy at the time of writing (see each guide's "Updated" date) and cite sources where figures are drawn from official material. Requirements, rates, and processes referenced by Pag-IBIG Fund can change after publication — always confirm current details directly with Pag-IBIG Fund before acting.