Pag-ibig Loan Form 2025 pdf free Download : Looking to ease financial burdens through a trusted government loan? The Pag-IBIG Multi-Purpose Loan (MPL) 2025 is your answer. Designed for both employed and self-employed members, this loan can cover your immediate financial needs — from education, home repairs, health emergencies, to business capital.
In this article, we will guide you through everything you need to know about the Pag-IBIG Loan Form 2025, including eligibility, loan features, steps to apply, and how to download the official form.
What Is the Pag-IBIG Multi-Purpose Loan (MPL)?
The Pag-IBIG Multi-Purpose Loan (MPL) is a short-term cash loan program that offers financial assistance to qualified Pag-IBIG members for various purposes including:
- Educational expenses
- Medical bills
- Home renovations
- Small business capital
- Utility bills
- Travel, events, and more
Who Can Apply?
To qualify for the MPL in 2025, a Pag-IBIG member must:
- Have at least 24 monthly savings.
- Have paid at least one monthly savings within the last 6 months.
- Not be in default on any existing Pag-IBIG housing or calamity loan.
- Be able to show proof of sufficient income.
Loan Amount and Interest Rate
- Loanable Amount: Up to 80% of your Total Accumulated Value (TAV).
- Interest Rate: 10.5% per annum (or 17.5% on diminishing balance).
- Loan Term: Choose between 2 years or 3 years with a 2-month grace period.
- Mode of Release:
- Credit to Pag-IBIG Loyalty Card Plus
- Bank credit via PACSVAL
- Issuance of a check
- Other approved methods
How to Apply
- Download and fill out the Multi-Purpose Loan Application Form (print back-to-back).
- Attach valid ID, pay slips, and other required documents.
- Submit your application at any Pag-IBIG Fund Branch.
Important Reminders
- Missed payments may incur a penalty of 1/20 of 1% per day of delay.
- Default occurs after 3 consecutive missed payments or false declarations.
- Upon default, the loan balance may be deducted from your Pag-IBIG savings (TAV).
- Members can renew their MPL after paying 6 monthly amortizations.
MPL Renewal Terms
You can renew your MPL:
- After paying at least 6 amortizations
- After full payment of a previous loan
- Provided you meet the eligibility again
Legal and Security
Pag-IBIG ensures compliance with:
- Data Privacy Act of 2012
- Secrecy of Bank Deposits Act
- Credit Information System Act
Your data is secure and used only for verification and loan processing.
Need Help?
For more details, visit the Pag-IBIG official website or call the Pag-IBIG hotline: (02) 8724-4244.
Final Thoughts
The Pag-IBIG Loan Form 2025 offers a convenient way to address personal financial needs with flexible terms and competitive interest. Whether you’re an employee or an entrepreneur, this loan is designed to support your goals and ease your burdens.
Download the form, apply today, and make the most of your Pag-IBIG membership!