mpl-calamity-loan-eligibility-checker

R, Ricky •
MPL & Calamity Loan Eligibility Checker 2026 | Pag-IBIG Loan Calculator

💰 MPL & Calamity Loan Eligibility Checker

Find out if you qualify for a Pag-IBIG short-term loan and how much you can borrow

2026 Loan Guidelines & Requirements
💵

Multi-Purpose Loan (MPL)

For tuition, medical, home repair, business, or any personal need

🌪️

Calamity Loan

For members in disaster-declared areas affected by typhoons, floods, or earthquakes

📋 Your Membership Details
Your total Pag-IBIG savings. Check via Virtual Pag-IBIG. MPL = up to 80% of TAV. Calamity = up to 80% of TAV or 80% of 1-month salary, whichever is higher.
24 months
📊 Loan Details
📌 MPL Loan Terms:
• Interest: 10.5% p.a. (diminishing balance)
• Term: 24 to 36 months
• Max amount: 80% of TAV
• Min contributions: 24 months
• Can be applied via Virtual Pag-IBIG
💡 Pro Tip: If you have at least 24 months of contributions and no existing loan, you're likely eligible. The more you've saved (TAV), the more you can borrow. Your loanable amount is based on your savings, not your salary.
📊 Eligibility Results
✅
You Are Likely Eligible!
You meet the basic requirements for a Pag-IBIG short-term loan.
Estimated Loanable Amount
₱0
Based on 80% of TAV
Estimated Monthly Payment
₱0
24-month term
Total Interest
₱0
10.5% p.a.
✅ Eligibility Checklist
✓
24+ Months Contributions
You have 24 months
✓
Has TAV / Savings
TAV: ₱50,000
✓
No Default Loan
No existing loan in default
✓
Active Member
Has valid MID number
✓
Income Source
Employed or regular income

📊 MPL vs Calamity Loan Comparison

Feature Multi-Purpose Loan (MPL) Calamity Loan
Purpose Any personal need Disaster recovery only
Interest Rate 10.5% p.a. 5.95% p.a.
Max Loanable 80% of TAV 80% of TAV or 80% of 1-month salary
Loan Term 24–36 months 24–36 months
Requirements 24+ months, active member 24+ months + disaster area
Application Virtual Pag-IBIG or branch Virtual Pag-IBIG or branch
Processing 2–3 days 2–3 days

✅ MPL Requirements

  • 24+ months of contributions ✓
  • Active member with MID ✓
  • No loan in default ✓
  • Has TAV / savings ✓
  • Valid IDs ✓
  • Pass slip or COE ✓
  • Application form ✓

🌪️ Calamity Loan Requirements

  • All MPL requirements ✓
  • Residence in disaster area ✓
  • OR workplace in disaster area ✓
  • Disaster declaration by LGU/NDRRMC ✓
  • Apply within 90 days ✓
  • Lower interest: 5.95% ✓
  • Can apply even with existing MPL ✓

🚀 Ready to Apply?

Check your eligibility above, then apply through Virtual Pag-IBIG or visit any Pag-IBIG branch. Processing typically takes 2–3 business days.

Apply via Virtual Pag-IBIG Print Results
⚠️ Disclaimer This eligibility checker provides estimates based on publicly available Pag-IBIG Fund guidelines. Final loan approval, amounts, and terms are determined by Pag-IBIG Fund upon application. Interest rates and policies may change. Calamity loans require official disaster declaration by the local government or NDRRMC. Please verify your eligibility and apply through the official channels at www.pagibigfund.gov.ph. This is an independent educational tool not affiliated with Pag-IBIG Fund.

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