Ensuring that everyone has a place to call home is one of life’s fundamental necessities. To address this need, the government established the Home Development Mutual Fund, commonly known as the Pag-IBIG fund, back in the 1970s.

Today, Pag-IBIG fund loans can be used for a wide range of purposes, making it a valuable resource in case of emergencies or unexpected major expenses.

This marks the end of a three-part series aimed at guiding responsible self-employed individuals/professionals and solopreneurs on how to manage their contributions to essential government agencies and secure their financial future in the process. We will wrap up the series by explaining how you can independently remit contributions to Pag-IBIG without relying on an employer to facilitate the process.


How can I enroll for voluntary contributions?


If you’re just starting your career and working as a self-employed individual/professional, you have two options to register: you can either visit a Pag-IBIG branch or complete the registration process online.

  • At a Pag-IBIG branch, your first step is to approach a kiosk where an assistant specifically caters to first-time registrants.
  • If you choose to register online (a more straightforward option), follow these steps:
  1. Visit the Pag-IBIG Fund website and navigate to the “E-Services” tab in the menu, then select “Membership Registration” by clicking on the link. Alternatively, you can directly access the page here.
  2. Click the “Continue” button.
  3. Enter your full name, birth date, and CAPTCHA code. Then, click the “Proceed” button.
  4. Fill out the required fields in the online registration form. Click “Next” to proceed to the next section.
  5. Once you’ve completed the online Pag-IBIG membership form, click the “Submit Registration” button. You will see a “Successful Registration” page and receive a text confirmation.
  6. Click the “Print MDF (Member’s Data Form)” button to print or save your enrollment form.

Ensure you retain the Registration Tracking Number (RTN), which you’ll receive via text from Pag-IBIG. You can also find the RTN on your Member’s Data Form (MDF).

If you were previously employed by a company before becoming a solopreneur, you will require the following documents:

  1. Two (2) valid IDs
  2. Latest income tax return (ITR) with the previous year’s CPA-certified financial statement
  3. Employee Statement of Accumulated Value (ESAV)
  4. Business Permit or Mayor’s Permit
  5. DTI or SEC registration under your name

The ESAV contains a record of all contributions your previous employers sent to Pag-IBIG on your behalf while you were working for them. You can obtain your ESAV from the Pag-IBIG branch where your last employer submitted your contributions.

Once you have your IDs and the necessary documents, follow these steps to update your Pag-IBIG Membership Information to reflect your status as a solopreneur or self-employed:

  1. Download and complete the Pag-IBIG Member’s Data Form.
  2. Select “Self-Employed” under the Membership Category.
  3. Submit the completed MDF along with your documents to the nearest Pag-IBIG branch.
  4. Obtain a Payment Order Form and proceed to the Cash Division to make your Pag-IBIG contribution.


How do I determine the amount to pay?


As a self-employed individual/professional or solopreneur, the minimum monthly contribution to Pag-IBIG is ₱200. You have the flexibility to increase your monthly contributions to maximize your Pag-IBIG benefits. To do so, simply inform the Pag-IBIG branch or an accredited collection partner of the additional amount you wish to pay during your visit.

Speaking of optimizing your Pag-IBIG benefits, you have the option to obtain a Pag-IBIG Loyalty Card, which facilitates loan applications and provides discounts and perks when shopping. Acquiring this card costs ₱125, making it one of the most cost-effective government IDs available. Details on obtaining a Loyalty Card can be found here.


Where can I make Pag-IBIG contributions?


In addition to Pag-IBIG branches, you can make contributions at any of the following accredited collection partners:

  • SM Business Service Centers
  • SM Hypermarket
  • Savemore
  • Bayad Center and its authorized partners
  • Metrobank
  • ECPay through 7-Eleven and merchant stores
  • M Lhuillier
  • CashPinas Moneygment App (Credit to Account, DragonPay, ECPay, PayPal, and 7-Eleven stores)


Can I pay my Pag-IBIG contributions online?


Yes, you can pay your Pag-IBIG contributions online using the Pag-IBIG Online Payment Facility. To do this, you’ll need to create and log in to your Virtual Pag-IBIG account. Once logged in, follow these steps:

  1. Click the “Pay Online” button and select the type of payment you wish to make, such as Regular Savings (mandatory contributions), MP2 Savings (voluntary contributions), Housing Loan, Multi-Purpose Loan, or Calamity Loan.
  2. Under “Membership Category,” choose “Local” or “Overseas” from the drop-down menu, then enter your Pag-IBIG MID number and your name.
  3. Input the membership savings amount and the period covered. If you’re paying for MP2 contributions, you will also need to provide your MP2 Savings Account number.
  4. For payment options, you can pay using your PayMaya e-wallet or your Visa, Mastercard, or JCB credit card.
  5. Check the box to select how you want to receive your payment confirmation (via SMS or email). Enter the verification code and check the terms and conditions box to proceed.


When is the deadline for Pag-IBIG payments?


You can choose to make Pag-IBIG contributions either every month or every quarter. The monthly payment deadline falls on the 10th day of the month following the month you are paying for. For example, if you are making a payment for July, the deadline is August 10.

If you opt for quarterly payments, the deadline is on or before the 10th day of the first month of the quarter after the quarter you intend to pay for. For instance, if you are paying for the third quarter of the year (July to September), the deadline is October 10.


How long do I need to continue paying Pag-IBIG contributions?


Ceasing your payments to Pag-IBIG results in claiming or withdrawing all the contributions you have made. You can do this under the following circumstances:

  • Your membership matures after 20 years, or you have made 240 monthly contributions.
  • You reach the optional retirement age of 60 or the mandatory retirement age of 65.
  • You stop working for health reasons.
  • You are leaving the country permanently.
  • You experience permanent and total disability or insanity.
  • In the event of your passing, your legal heirs will receive your Total Accumulated Value (TAV) along with an additional death benefit.
  • You or an immediate family member becomes critically ill, as certified by a licensed physician.


Do you need help with paying for your Pag-IBIG contributions? Ask an accountant from one of our Partner Firms, today.