Home Development Mutual Fund (HDMF), popularly known as Pag-IBIG (Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno) Fund assured its member the refund of member’s total accumulated value (TAV), which consists of the member’s monthly savings, employer counterpart share (if any) and total annual dividend earnings.
But wait, don’t be too much excited because there are certain criteria or grounds for withdrawals. In this article, I will tackle the ground or the Eligibility Requirements for Claims, the steps for withdrawal, and the mode of disbursement.
Eligibility Requirements for Pag-IBIG Contributions Withdrawal
1. Membership Maturity
Member must have remitted at least 240 monthly membership contributions with the Fund. For Pag-IBIG Overseas Program (POP) members, membership with the Fund shall be at the end of five (5), ten (10), fifteen (15), or twenty (20) years depending on the option of the member upon membership registration.
Read Also: Step-by-Step Guide on How to Apply for a Pag-IBIG Housing Loan
2. Retirement
Member shall be compulsorily retired upon reaching age 65. He may however, opt to retire upon the occurrence of any of the following:
- Actual retirement from the SSS, the GSIS or a separate employer provident/retirement plan, provided the member has at least reached age 45
- Upon reaching age 60
3. Permanent Total Disability or Insanity
The following disabilities shall be deemed total and permanent:
- Temporary total disability lasting continuously for more than 120 days;
- Complete loss of sight of both eyes;
- Loss of two limbs at or over the ankle or wrist;
- Permanent complete paralysis of two limbs;
- Brain injury resulting in incurable imbecility or insanity; and
- Such other cases which are adjudged to be total and permanent disability by a duly licensed physician and approved by the Board of Trustees.
4. Termination from Service by Reason of Health
The member cannot continue working due to a serious health condition that affects their ability to perform their job. This could involve a chronic illness, severe injury, or any other medical condition that forces the individual to leave their employment.
5. Permanent departure from the country
This applies when a Pag-IBIG member permanently leaves the Philippines to live abroad, either as an immigrant or permanent resident in another country.
If you are leaving the Philippines permanently, you can withdraw your Pag-IBIG savings, even if you haven’t completed the 240 months of contributions. The key is that your departure must be permanent, meaning you intend to live abroad long-term.
6. Death
In case of death, the Fund benefits shall be divided among the member’s legal heirs in accordance with the New Civil Code as amended by the New Family Code.
Requirements for Pag-IBIG Contributions Withdrawal or Claim
Basic Requirements
- Application Form for Provident Benefits Claim
- Pag-IBIG Transaction Card and one (1) valid ID card with photo and signature of Claimant
- If the Pag-IBIG Transaction Card is not available, two (2) valid ID cards with photo and signature of Claimant.
- Service Record (For Government Employee)
- Statement of Service (For AFP)
- Member’s NSO/PSA Certified True Copy Birth Certificate
Additional Requirements
The following additional documents shall be submitted depending on the reason for the claims
A. For Death Claims
NSO/PSA Certified True Copy of Member’s Death Certificate
- Notarized Proof of Surviving Legal Heirs
- NSO/PSA Certified True Copy of Birth Certificate of all children or Baptismal/Confirmation Certificate (If with child/children)
- Notarized Affidavit of Guardianship (if with child/children below 18 years old, or if child/children is/are physically/mentally incompetent)
- To establish kinship with the deceased member, the claimant shall submit any one of the following:
- NSO/PSA Certified True Copy of Member’s/Claimant’s Birth Certificate
- NSO/PSA Certified True Copy of Non-Availability of Birth Record and Notarized Joint Affidavit of Two (2) Disinterested Persons
- Certified True Copy of Member’s/Claimant’s Baptismal/Confirmation Certificate
- If Member is single, Certificate of No Marriage (CENOMAR)
- If Member is married, NSO Certified True Copy of Member’s Marriage Contract and Advisory on Marriage.
B. For Retirement Claims
- NSO/PSA Certified True Copy of Birth Certificate
- Notarized Certificate of Early Retirement for Private Employee
- GSIS Retirement Voucher for Government Employee
- Order of Retirement for AFP
C. For any Health Reasons
- Physician’s Certificate/Statement (With clinical or medical abstract)
D. For Permanent Departure from the Country
- Photocopy of Passport with Immigrant Visa/Residence Visa/Settlement Visa or its equivalent
- Notarized Sworn Declaration of Intention to Depart from the Philippines Permanently
How to Withdraw Pag-IBIG Fund Contributions + Dividend
After completing all the requirements for claims, the member or authorized representative, beneficiaries, or legal heirs to process the claim can follow the steps below.
Step 1: Visit the nearest Pag-IBIG Office and present all the documents needed
Step 2: A Pag-IBIG representative will verify your account if you have an existing loan balance
Step 3: After verification of the requirements given and the Total Accumulated Value (TAV), the claimant will be informed of the date of the disbursement of the claim.
Pag-IBIG Benefits = Total Contribution + Employer’s Contribution + Dividend Earnings
If you aren’t sure of your TAV you can always ask for a printout, just visit the nearest Pag-IBIG Fund office in your place or you can email them at contactus@pagibigfund.gov.ph or call them 724-4244 (Pag-IBIG) – 24/7 Call Center operation.
Mode of Disbursement for Pag-IBIG Fund Withdrawn Contributions or benefits
1. Pag-IBIG Loyalty Card Plus
If you have a Pag-IBIG Loyalty Card Plus, it can be used as an ATM card where your funds can be directly credited. This is the most convenient method for those who already have this card.
The card can be used to withdraw funds through ATMs of partner banks (e.g., AUB, UnionBank) or for other transactions.
2. Bank Transfer
For those who do not have a Loyalty Card Plus, Pag-IBIG can credit the withdrawn funds directly to your registered bank account.
You will need to provide your account details (including your bank name, account number, and possibly branch information) during the application process.
3. Check Release
If electronic methods are not available or preferred, Pag-IBIG can issue a check in your name for the amount of your withdrawn contributions. You can pick up the check from the Pag-IBIG branch or have it mailed to your registered address.
Frequently Ask Questions (FAQ)
1. When can I withdraw my Pag-IBIG contributions?
You can withdraw your Pag-IBIG contributions after meeting certain conditions, such as:
- Reaching the 240 months (20 years) of contribution.
- Upon retirement (age 60 or optional retirement at age 65).
- Permanent disability or insanity.
- Permanent departure from the country.
- Upon death (claimed by beneficiaries).
- Health reasons causing termination from service.
2. What are the requirements to withdraw my contributions?
Requirements depend on your reason for withdrawal, but generally, they include:
- Application for Provident Benefits (APB) Claim Form.
- Two valid government-issued IDs.
- Pag-IBIG Loyalty Card or an active bank account for fund release.
- Supporting documents depending on your situation (e.g., birth certificate for retirement, medical certificate for disability).
3. How long does it take to process the withdrawal?
The processing time can vary, but it typically takes 2 to 4 weeks for Pag-IBIG to process your application. If additional documentation is needed, it might take longer.
4. Can I withdraw my Pag-IBIG contributions if I haven’t completed 240 months of payment?
Yes, you can withdraw under certain conditions, such as retirement, permanent disability, or permanent departure from the country, even if you haven’t reached the 240 months of contribution.
5. What happens to my Pag-IBIG contributions if I stop working?
Your contributions will remain with the Pag-IBIG Fund and continue to earn dividends. You can withdraw them once you qualify under any of the valid conditions (e.g., reaching 240 months of contribution, retirement, or disability).
6. Can I withdraw my Pag-IBIG contributions if I am still employed?
No, you cannot withdraw your contributions while you are still employed unless you meet one of the withdrawal conditions, such as retirement, disability, or permanent departure from the country.
7. Is there a penalty for early withdrawal of my contributions?
Pag-IBIG does not impose a penalty for early withdrawal, but you need to meet specific conditions such as retirement, disability, or permanent departure from the country to be eligible for withdrawal before completing 240 months of contributions.
8. Can my family claim my contributions if I pass away?
Yes, your beneficiaries (e.g., spouse, children, parents) can claim your contributions upon your death. They will need to present necessary documents like a death certificate and proof of relationship.
9. How will I receive my withdrawn Pag-IBIG funds?
You can receive your withdrawn Pag-IBIG contributions through:
- Pag-IBIG Loyalty Card Plus (which functions like an ATM card).
- Bank transfer to your account.
- Check, if other modes are not available.
10. What should I do if I permanently leave the Philippines?
If you are migrating or permanently leaving the country, you can withdraw your Pag-IBIG contributions by presenting proof of residency abroad (e.g., visa, passport, permanent residency documents).
These questions cover most of the concerns regarding withdrawing Pag-IBIG contributions, but it’s always best to consult directly with Pag-IBIG for specific cases.
Read Also:
- How to get Pag-IBIG Loyalty Card
- Pag-IBIG Online Registration Walkthrough
- Eligibility Requirements for Pag-IBIG Housing Loan
Pwd po ba makuha ang maturity kahit putol2x ang hulog pero nka 120mons naman po?
How to claim the 10years pag-ibig backpay
pwede po ba makuha maturity kahit may loan paano po ba nalalaman kung qualified ka
makakuha pa ba ako na 6-years lang ako naghulog noon nasa Pinas lang ako? di ba pasado kung ganun? paano naman ang nadiduct sakin ng Company ko dati ang mangyayari ba nyan’ forget na ba?
Ask ko lang po regarding sa contribution ko nakapag hulog po ako ng 17years now two years na ko wala work pwedi po kaya ako maka claim for early reterment..
Paano ko po kya malalaman,kung may naihulog ang Mister ko sa Pag-ibig,dati po syang natrabaho sa Mattel Philippines taong year 1984 or 1985 nagstart,tapos nagsara po ang Mattel Philippines napalipat nmn po sya ng The Medical City,Genersl Hospital inabot po sya ng halos sampung taong nagtrabaho sa Ospital bukod pa po ang sa Mattel,namatay na po ksi Mr.ko dapat po ay aayusin nya lahat para maka pag update,kso hindi na po nangyari khit id po nya ay wala po sya at di rin nmin alm ung Pag ibig no.nya…bka po matutulungan nyo ako…name po nya ay ROBERTO CAPILI CRUZ
Gd pm. Tanong ko lang, ano gagawin naming kinaltasan ang sahod nang husband ko para sa pg ibig fund mga 2 taon, pero doon sa Mindanao ni remit tapos taga Bohol kami. Ano gagawin namin matagal na yun Hindi man lang binigay yong I d nang husband ko. Pwede ba makuha naming yun?
pwede ba maka avail may loan ako date pa noong 2011 nde ko nabayaran
Papano po pwedwng mawidrw ang pag ibig Al most 10year’s na po a no akong nag huhulog
Nag awol po ako sa work ko, at that time, labis na binayad ko sa loan ko sa pag-ibig, Bakit ang overpayment sa loan ko, hindi nila ibigay.labis na bayad po yun..sabi nila irerelease sakin pag 60 years old na ako, 44 pa lang ako, hintayin ko pa ba ang 16 years para makuha ang pera ko?
Hello Bleselda ang pwd na ma withdraw kung kayo ay di pa 60 yrs old ay yung tuloy-tuloy na hulog sa loob ng 10 yrs or may 120 months’ contribution at walang unpaid loan balance.
at kung kayo nmn ang 60 yrs old pataas mandatory nmn ibibigay sa inyo lahat ng naipong contributions regardless kung ilang months lng nahulugan.
Panu at san po makakakuha ng voucher. Puede po ba malaman thru online kung my existing loan pa kung nabayaran ng company anu po kelangan gawin
may housing loan po ako. pwede po kayang e-offset yong contribution ko? then kung hindi enough yong total contribution ko bayaran ko ng cash.
tanong ko lng po..
pde parin po b makuha o mwithdraw yung pag-ibig contribution ng mother ko khit 10yrs npo siyang nmayapa?
Ako din po, paano po malalaman kung naclaim na po ung pagibig ng motber-in-law ko. Nabangit po kc sa amin ng kamaganak ng mother-in-law. Deceased na po sya at mahigit ng 20 yrars na syang pumanaw. Machechrck pa po ba un. She was a former public school teacher for almost 20 years din po.
62 na po ako ngayon at nagmature na rin yung PAGIBIG membership ko ..23 years na po ako sa serbisyo bilang public school teacher ..kumuha ako noon ng housing loan pero na foreclosed dahil hindi ko nabayaran may certificate po ako ng foreclosure…ang tanong may makukuha pa ba ako sa Pagibig? Paano ko makukuha kung meron? Hanggang ngayon nagtatrabaho pa rin ako at sasagarin ko na hanggang 65 years old po..ano ano po ang mga kailangang papel ? Maraming salamat po sa sagot ninyo..
My dad passed away some 25 years ago.. Can my mother claim his contribution? If yes, how and what are the requirements. Thank you.
You can inquire directly to Pag-IBIG Fund office if it is possible to claim your father contribution.
In case of death, the Fund benefits shall be divided among the member’s legal heirs in accordance with the New Civil Code as amended by the New Family Code. Pls read the article for full details
Pwede bng mawidraw ang contribution kht n may existing loan ka? At kung may gap ka ng 1 month pwede p rn kyang mawidraw ang contri?
kailangan po ay tuloy-tuloy na hulog sa loob ng 10 yrs/15 yrs /20 yrs contributions at walang unpaid loan balance saka ma withdraw. visit ka sa Pag-IBIG office para humingi ng copy ng ‘yung member’s Total Accumulated Value (TAV) dun mo malalaman kung qualify kana makapag withdraw.
Pwede ba sa health reason ang pag withdraw yung nakapag resign ka agad kasi bagong panganak ka nun at malayo pa work mo sa laguna at uwian mo taytay.at kapapanganak ko lng ng aug.1997 at nag resign ko dec..at la mag alaga sa anak ok??
Pno po b mkukuha yung kulang sa 10 years ko n contribution ano mga requirements at pno dpt gwin
Tanong ko lng po ksalukuyan pa ako nag tatrabaho pero kailangan ng pera pwede ko ba i withdraw hulog ko na halos 27 years na sa pag ibig na gnun matagal pa ako mg retire dahil 50 yrs old plang ako sa ngayon? Maraming salamat po, more power!
Paaano puba makuha yung pagibig fund kasi nastroke na po ako kasi…dina ako nakawork po
Pls visit po Pag-IBIG office.
pa ano po ma withdraw ang 15years nga contibution?
kailangan po ay tuloy-tuloy na hulog sa loob ng 10 yrs or may 120 months’ contribution at walang unpaid loan balance saka ma withdraw. visit ka sa Pag-IBIG office para humingi ng copy ng ‘yung member’s Total Accumulated Value (TAV) dun mo malalaman kung qualify kana makapag withdraw.
how to widraw pag ibig member
pls read the article po para sa buong detalye.
klangan ko na po ilump sum ang TAVcontributions ko po, 155 months ang naigulog ko po, i started 1997 lasted 2010 of july. no existing loans i been made even once. time i worked with my employer Ricky Reyes company. can i now withdraw my accounts.
bakit backpay tawag mo eh, savings mo yan ahhh.
problemang malaki yan, kahiman di kayo nag uusap about pag ibig fund?
Yung skin po Pwede ko na po ba ilumpsam over over na po Yung contribution ko pero may loan balance pa po ako ano dapatko gawin
Tanong ko lang po may makukuha po ba yung na aksidente kagaya po ng nabali po ang left anckle due to accident…
Paano po mag loan 6years na po ako nag huhulog sa pag ibig pero di pa po ako nakakapag loan.
Gud pm tanung lng po my makukuha po ba ang isang tao almost 30yrs po sya sa goverment 2006 po sya nagresign kasi po senior na po nun time na un
Pano po kung naka short term loan ako tapos masama ako sa nabawas na empleyado.ito po at noong 2011 pa at Hindi ko nabayaran kahit konti ang loan ko.sa ngayon pa extra akong pintor walang mga deduction dahil labor lang.pls reply
Good afternoon po. Ten yrs na po ako in service. wla po ako loan. pwd po b ako mkawithdraw ng contribution ko s pag-ibig. slamat po s tugon n u o.
Pwede po bang iclaim yung pag ibig contribution kahit may housing loan? Salamat po
Good day Ma’am/Sir Ask ko LNG po nag resign na po kasibako pwde po babilansam ung hulog ko sa Pag ibig
Ask ko lng po. Na stop po ang paghulog ng asawa ko last 2015 pa po. Dahil na force to resign at ibinenta ang company sa new management. At hindi na po nahulugan ulit. Pwd parin po ba may makuha ang asawa ko? 8years po sya sa company.
Na terminate na po asawa ko sa work niya almost 2 years po sya naghulog.. Marerefund po ba namin yun
Sir/maam naka 30 years na po ako in the service nakuha ko na po ang 20 years noong 2010.gusto ko po kunin ang 10 years ko na po pwede po ba?. How po?
good morning maam sir, how about the co terminos (politician) 2 or 3 terms lng tapos hindi tumakbo,at wala pang 60 how many years to wait bago namin makuha.thanks
A ko ma’am tuloy2x ang hulog for 17 yrs pero nagsara nna ang company at may unpaid loan ako…4 years ko ng di nahulugan…im 49 years old na …gusto ko sana ma claim yung contribution ko…pwede po ba….paano..
Julieta Valdez po ako nueva ecija 70 yes old na me contributions ako sa pagibig kc nagtrabaho ako until 1985 nung ngawol ako dahil ngpunto ako Saudi nagverify ako sa pagibig at gusto ko marefund lahat contributions ko only that klangan service record pmunta ako sa bureau of energy ung hurling employment ko but nirequire ako mgclearance which means lahat ng dept heads klangan pirma how will I pursue thisbkung d ako makatravel I am senior citizen besides pandemic ngayon I need my refund for my maintenance meds n vitamins wala ako income whatsoever I just depend on help.from relatives kung me ibbgay my children are jobless n my husband who also has contributions sa.pagibig dahil sundalo.cya dati at magsasaka.lamang at iuutàng.naming ang puhunan sa.pagtatanim please help.us secure or refund our money maràming salamat po
ano po ba ang sinasabi nilang certificate.of employment sa SSS? as requirements sa PROVIDENT CLAIM
Paano q po malalaman ang details ng aking contributions sa Pag ibig 1at MP2. Voluntary po aq. Thank you!
Ngresign po ako january 2021 may balance pa akong lian 13 yers po akong nghuhulog mawiwithdraw kopa ung pag ibig contibution k?
I am a pag ibig member.. me loan ako sa pag provident loan pero hindi pa ako bayad sa loan ko..gusto ko sana i withdraw yun contribution ko…i am already 58 years old puede ba ako mag early retirement ?
Am a gov’t employee,is there any any add’l benefit to claim if I retire frm service at the age of 65.
Pano po ang step s pag withdraw?thank u po
Ma’am,kakaloan ko lang po,nahinto ako sa trabaho pwd ko pa rin ba claim if ever kukunin ko lahat ng contribution ko?
Pwede po bang mag apply ng membership maturity withdrwal kahit may existing na housing loan?