PAG-IBIG LOAN REQUIREMENTS:

1. Housing Loan Application with recent ID photos of borrower
2. Membership Status Verification Slip
3. Proof of Income
   3.1 For Locally Employed, any of the following:
   1. Notarized Certificate of Employment and Compensation (Pag-IBIG format)
   2. Notarized Certificate of Employment and Compensation (Employer’s format) and latest one (1) month payslip
   3. Income Tax Return/Certificate of Tax Withheld (BIR Form No. 2316) and latest one (1) month payslip

   3.2 For Self-Employed/Other Sources of Income

   1. ITR, Audited Financial Statements and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit
   2. Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months)
   3. Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances, pensions, etc.)
   4. Copy of Lease Contract and Tax Declaration (if income is derived from rental payments)
   5. Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for other Public Utility Vehicle or PUVs)
   6. Certificate of Engagement issued by owner of business
   7. Other document that would validate source of income

   3.3 For Overseas Filipino Workers (OFWs), any of the following:

   1. Employment Contract (with English translation if in foreign language)
   2. Original Employer’s Certificate of Income (with English translation if in foreign language). If document submitted is photocopy, it shall be duly validated and certified/initialed by HDMF Information Officer assigned in the country where the member works
   3. Other Proofs of Income, whether original or photocopy, shall be duly validated and certified/initialed by HDMF Information Officer assigned in the country where the member works
4. Photocopy (back-to-back) of one (1) valid ID of Principal Borrower and Spouse, Co-Borrower and Spouse, and Attorney-In-Fact, if applicable. The same ID must be presented during the conduct of borrower’s validation.
5.  Authorization to Conduct/Credit Background Investigation
6. For OFW members, Special Power of Attorney notarized prior to date of departure or duly certified and authenticated by the Philippine Embassy or Consulate in the country where the member is staying, if abroad
7. Insurance Coverage
   1. Health Statement Form (Medical Questionnaire)
      • OFW members over 60 years old
      • Loans over P2.0 M to P3.0 M and for borrowers aged up to 60 years old
   2. Health Statement Form (Medical Questionnaire) and Full Medical Examination
      • Borrowers over 60 years old
8. Marriage Contract (For all married borrower/s, co-borrower/s, spouse, family member/s included on the computation of aggregate income)
9. Birth Certificate or any proof of relationship, if with co-borrower/s or family member/s included on the computation of aggregate income

The Pro-forma Health Statement Form (Medical Questionnaire) is available at the Members Services Support Division-Servicing Department for NCR or at any Pag-IBIG Regional Branch or downloadable from the Pag-IBIG website, www.pagibigfund.gov.ph.BANK  REAL ESTATE LOAN REQUIREMENTS

(General requirements of most banks, for specific, contact bank concerned.)

If in the Philippines:
* Income Tax Return (latest)
* Certificate of employment with compensation
* Business Permit (if self-employed)
* Community Tax Certificate
* T.I.N. (Tax identification Number)
* Bank Statement (for the last 6 months)
* Marriage Certificate (if married) (Photocopoy)
* Proof of Billing
* Post Dated Checks
Note: All original except marriage certificate, Business Permit, Community Tax Certificate.

If Borrower is permanently abroad:
* Federal Income Tax Return (latest)
* Bank Statement (for the last 6 months)
* Special Power of Atty. (SPA) (consul authenticated)
* Certificate of Employment with compensation (consul authenticated)
* Proof of remittance
* Business Permit (if self employed)
* Marriage Certificate (if married)
* Post Dated Checks
(Note: All original except marriage certificate)

Note: In-house financing requirements is similar to bank financing. For specific requirements, it is advised to take note of these requirements per Developer.