Government loans
Pag-IBIG Multi-Purpose Loan 2026: Requirements, Form, Calculator at Paano Mag-Apply
Pag-IBIG MPL: 90% of TAV, 1.4583% a month, 12 savings, HQP-SLF-065 form at Virtual Pag-IBIG application. Alamin ang requirements at hulog.
By the PersonalLoans.ph editorial team · Published · Updated · Last reviewed · 10 min read
TL;DR: the short answer
- Active members need 12 monthly savings or equivalent savings and sufficient proof of income.
- Entitlement is up to 90% of TAV, less existing MPL, Calamity Loan and HELPs balances, subject to capacity to pay.
- Interest is 1.4583% a month on diminishing balance, including during the two-month grace period.
- Apply through Virtual Pag-IBIG or a branch using HQP-SLF-065, with terms of 1, 2 or 3 years.
Ang Pag-IBIG Multi-Purpose Loan (MPL) ay short-term loan para sa personal needs, hanggang 90% ng Total Accumulated Value (TAV), o accumulated savings mo, at 1.4583% a month on diminishing balance. Para ito sa active members na may 12 monthly savings o equivalent savings, subject to income and loan checks. Mag-apply sa Virtual Pag-IBIG o sa branch.
Para maikumpara, basahin ang Pag-IBIG and SSS loans overview. Kung under a state of calamity ang lugar mo, tingnan ang Pag-IBIG Calamity Loan guide.
PersonalLoans.ph is a comparison website. We're not part of Pag-IBIG Fund, and Pag-IBIG decides who gets the loan. Sources: official MPL form HQP-SLF-065 V10 May 2025 and Pag-IBIG's May 2025 announcement. May bot check ang pagibigfund.gov.ph noong 9 Nov 2026, kaya official form at Pag-IBIG statements reported by PIA, Inquirer and GMA ang ginamit namin.
Pag-IBIG MPL 2026 at a glance
| Item | Rule |
|---|---|
| Who | Active employed, self-employed, voluntary members and OFWs with proof of income |
| Savings needed | 12 monthly savings or equivalent at your applicable rate |
| Amount | Up to 90% of TAV, less MPL/Calamity/HELPs balances, subject to capacity to pay |
| Interest | 1.4583% a month, diminishing balance |
| Term | 1, 2 or 3 years; default 2 years |
| Grace period | 2 months, with interest |
| First payment | By the 15th, starting in the 3rd month from the DV/check date |
| Penalty | 1/20 of 1% of unpaid amount per day |
| Release | Disbursement card, Loyalty Card Plus, bank account through LANDBANK PACSVAL, check or other acceptable modes |
| Where to apply | Virtual Pag-IBIG or any branch |
Ano ang nagbago noong May 2025?
Effective 16 May 2025, naging 90% ng total savings ang maximum entitlement mula 80%. Bumaba sa 12 monthly contributions ang savings requirement mula 24. Nadagdag ang one-year term sa two-year at three-year options.
May older pages na 80% at 24 months pa rin ang nakasulat. Gamitin ang updated rules. Members with loans under the old rules may apply for an additional loan under the higher entitlement. Sakop din ng 90% ceiling ang Calamity Loan at HELPs.
Who can apply?
Kailangan active member ka sa application date, may sufficient proof of income, at walang default sa existing MPL, Calamity Loan o HELPs.
Kung nag-withdraw ka ng membership savings dahil sa membership maturity o optional withdrawal, kailangan makaipon ulit ng 12 monthly savings, or equivalent, mula sa cut-off date.
Wala pang 12 monthly savings? Puwede pa rin kung ang total accumulated savings mo ay katumbas ng at least 12 monthly savings at your applicable rate.
Kung higit sa isang employer ang naghuhulog para sa iyo, isang outstanding MPL lang ang puwede. Piliin kung aling employer ang magkakaltas ng amortization.
Pag ibig multi purpose loan requirements
Ihanda bago mag-apply
- Accomplished HQP-SLF-065 form na pinirmahan mo.
- Employer certification and signature kung employed ka.
- Two witnesses sa form para sa online upload.
- Valid ID at selfie holding that ID para sa portal.
- Sufficient proof of income; maaaring hingin ang upload nito.
- MID number at registered mobile number para sa OTP.
- Loyalty Card Plus o Disbursement Card details para sa online application.
Hindi malinaw ang ID sa photo? Ayusin muna bago mag-upload. May hiwalay tayong valid IDs guide. Processing starts only when requirements are complete.
MPL form 2026: HQP-SLF-065
HQP-SLF-065 ang Multi-Purpose Loan Application Form. Ang reference namin ay V10, dated May 2025. Accomplish one copy, printed back to back on a single sheet.
Fill out your member details and loan request. May employer certification para sa employed applicants. Online uploads need your signature, employer's signature kung employed, at two witnesses. Piliin ang loan term; kapag walang napili, two years ang default.
Kunin sa Pag-IBIG website forms page o sa kahit anong branch. Download only from pagibigfund.gov.ph or get it at a branch. Huwag magbayad kaninuman para sa form.
Pag-IBIG MPL calculator: peso examples
Unahin ang TAV × 90%. Our estimate: ₱20,000 TAV gives ₱18,000 entitlement; ₱33,400 gives about ₱30,060; ₱100,000 gives ₱90,000.
Ibawas ang existing MPL, Calamity Loan at HELPs balances. Our estimate: ₱60,000 TAV × 90% = ₱54,000. With a ₱20,000 Calamity Loan balance, up to ₱34,000 ang matitira bago ang capacity-to-pay check.
The amount is the lowest of your desired amount, entitlement and capacity to pay. Amortization must not bring Net Take Home Pay below the minimum under the General Appropriations Act or company policy.
Magkano ang hulog? Our estimate ang mga halaga sa table. Monthly payment ang unang halaga sa bawat cell, kasunod ang total repayment. Standard amortization at 1.4583% a month ang ginamit namin. Hindi kasama ang grace-period interest.
| Loan | 12 months, our estimate | 24 months, our estimate | 36 months, our estimate |
|---|---|---|---|
| ₱10,000 | ₱914/month; ₱10,973 total | ₱497/month; ₱11,924 total | ₱359/month; ₱12,925 total |
| ₱30,000 | ₱2,743/month; ₱32,919 total | ₱1,490/month; ₱35,772 total | ₱1,077/month; ₱38,774 total |
| ₱50,000 | ₱4,572/month; ₱54,865 total | ₱2,484/month; ₱59,619 total | ₱1,795/month; ₱64,623 total |
| ₱90,000 | ₱8,230/month; ₱98,757 total | ₱4,471/month; ₱107,315 total | ₱3,231/month; ₱116,322 total |
May interest din sa two-month grace period. Our estimate: about ₱292 on ₱10,000, ₱875 on ₱30,000, ₱1,458 on ₱50,000, and ₱2,625 on ₱90,000. Hindi sinasabi ng form kung paano ito idinadagdag sa amortization. Sa loan documents mo kunin ang exact figures.
Piliin ang shortest term na kaya ng sweldo mo. Our estimate on ₱30,000: about ₱8,774 interest over 36 months versus ₱2,919 over 12 months, excluding grace-period interest. Mas maliit ang monthly payment sa longer term, pero mas malaki ang total.
How to apply on Virtual Pag-IBIG
- Open the Short-Term Loan Application page through Virtual Pag-IBIG. Sa Identity Verification, enter your MID number.
- Complete Loan Application Details. Piliin ang MPL at ilagay ang contact information mo.
- Complete OTP Verification using the code sent to your registered mobile number.
- Enter your Loyalty Card Plus or Disbursement Card details. Listed cash cards include Loyalty Card Plus and LandBank Cash Card.
- Upload Supporting Documents: signed form with employer signature kung employed, at two witnesses. The portal also asks for a valid ID and a selfie with it. Proof of income may be asked, since the form requires sufficient proof of income.
- Check before submitting. Itabi ang reference number para sa follow-up.
Each upload has a maximum size of 3 MB. Accepted formats are jpg, jpeg, png, bmp or PDF. Basahin ulit ang form, lalo na ang signatures.
Over the counter at a branch
Sagutan ang isang copy ng form. Dalhin ito kasama ang required documents sa kahit anong Pag-IBIG branch. Hindi pa nagsisimula ang processing kung kulang ang requirements.
Confirm your release mode. A check that remains unclaimed for 30 calendar days from the DV/Check date, despite notice to the borrower, is cancelled and the loan reversed.
What 'On Process' means
“On Process” means the application is being evaluated, based on member reports. Hindi pa iyon approval. These labels are as members reported them; wording can differ.
| Reported status | Meaning and what to do |
|---|---|
| Submitted | Naipasa ang application; keep your reference number. |
| Awaiting employer | Pending verification; ask your employer about certification. |
| Certified and endorsed by employer | Endorsed for Pag-IBIG processing; monitor the status. |
| On Process | Under evaluation for approval or disapproval; wait for the decision. |
| Endorsed for approval | Reviewed and endorsed; wala pang final approval. |
| Approved | Approval reported; check for crediting confirmation. |
| Disapproved | Hindi approved; ask official channels about the reason. |
Sa Loan Status Verification page, choose loan type and enter your MID number and last name. Members report an SMS once approved or credited. Kapag may discrepancy sa documents, maaaring ibalik ang application at kailangan mong mag-apply ulit.
Member timelines ranged from a few days to about two weeks, filing to crediting. Hindi ito promised processing time. Follow up after about a week with your reference number through the Pag-IBIG hotline or the chat on Virtual Pag-IBIG.
Repayment, penalties and default
Equal monthly payments are due on or before the 15th, starting in the third month from the Disbursement Voucher (DV) or check date. Kung non-working day, next working day ang due date.
Salary deduction ang payment mode whenever feasible. Self-employed members, OFWs and other individual payors use over-the-counter or other approved modes. Kung walang deduction dahil sa suspension, leave without pay o insufficient take home pay, magbayad directly.
Payments go to penalties, interest, then principal. Excess goes to next amortizations. Full prepayment is allowed anytime.
Late penalty is 1/20 of 1% of the unpaid amount per day. Reversal for salary-deduction borrowers needs proof na employer ang may kasalanan; sa employer icha-charge ang penalty. Employer non-remittance carries a 1/10 of 1% daily penalty.
Default triggers include willful misrepresentation, missing three consecutive monthly amortizations, missing three consecutive monthly Pag-IBIG savings, or violating Pag-IBIG policies. The whole outstanding balance becomes due and demandable. Pag-IBIG offsets it against TAV without demand.
Renewal and TAV offsetting
Renew after paying the equivalent of four monthly amortizations, not earlier than the sixth month after the current loan's DV date, kung eligible pa rin. The new loan pays off the old balance; net proceeds ang matatanggap mo. If fully paid early, you may apply again anytime.
Separate ang MPL, Calamity Loan at HELPs, pero their aggregate cannot exceed 90% of TAV.
Puwede kang humiling ng immediate TAV offsetting, subject to approval. Grounds include total disability or insanity, separation from service due to health, death of an immediate family member, unemployment due to layoff or company closure, and OFW repatriation. Kasama rin ang critical illness mo o ng immediate family member, certified by a licensed physician: cancer, organ failure, heart-related illness, stroke or neuromuscular-related illness. Other grounds require Board approval.
Kapag na-offset na sa TAV ang defaulted MPL mo, puwede kang mag-apply agad kung nakabayad ka ng at least six monthly amortizations bago ka nag-default. Kung wala pang six ang nabayaran mo, kailangan munang lumipas ang one year mula sa offset date. Kailangan eligible ka pa rin sa alinmang kaso.
Upon membership termination or death, the balance is deducted from TAV or benefits. For death, computation is up to the date of death.
MPL vs a loan app
Kung hindi qualified o mas maaga mong kailangan ang pera, compare SEC-registered apps through low-interest loan apps or loan apps with monthly installments. I-check ang total repayable bago pumirma.
| Option | What to check |
|---|---|
| Pag-IBIG MPL | TAV entitlement, existing balances and capacity to pay |
| SSS Salary Loan | Separate eligibility and terms in the SSS Salary Loan guide |
| Private loan app | Registration, disclosed total repayment and payment schedule |
Basahin din ang salary loan vs personal loan kung pinagpipilian mo ang loan types.
Scam warning
Hindi kailangan ng fixer. Never give your Virtual Pag-IBIG password or OTP to anyone. I-type mismo ang official address sa browser; huwag basta sumunod sa link ng taong nangangakong maipapasa ang application mo.
Where these facts come from
Ang requirements at calculations ay naka-base sa references na ito, checked 9 November 2026:
- Official HQP-SLF-065, V10 dated May 2025, copy read 9 November 2026: eligibility, interest, payments and renewal.
- Pag-IBIG announcement effective 16 May 2025, reported by PIA, Inquirer and GMA; official Facebook post dated 6 May 2025: enhanced entitlement and eligibility.
- Virtual Pag-IBIG Short-Term Loan Application page on pagibigfundservices.com, as indexed 9 November 2026: application steps and uploads.
- Member reports on r/PHGov and r/utangPH from 2025 to 2026, summarised by a PH finance site: status labels and timelines, not official commitments.
Frequently asked questions
Magkano ang hulog sa ₱30,000 na MPL?
Our estimate: about ₱2,743 monthly for 12 months, ₱1,490 for 24 months, or ₱1,077 for 36 months. Excluded ang grace-period interest. Loan documents mo ang masusunod para sa exact amortization.
What does On Process mean?
Based on member reports, nasa evaluation pa ang application for approval or disapproval. Hindi pa approved. Follow up after about a week using your reference number through the Pag-IBIG hotline or Virtual Pag-IBIG chat.
Which MPL form should I use in 2026?
Use HQP-SLF-065; ang reference dito ay V10 dated May 2025. Get it from pagibigfund.gov.ph or a branch. Print one copy back to back on a single sheet. Huwag magbayad para sa form.
Can I apply with an existing Calamity Loan?
Puwede, kung hindi in default at eligible ka. Existing MPL, Calamity Loan and HELPs balances reduce your entitlement. Their aggregate must stay within 90% of TAV, subject to capacity to pay.
Is the two-month grace period interest-free?
Hindi. The form charges 1.4583% monthly interest during the grace period too. Hindi nakasaad kung paano ito idinadagdag sa amortization, kaya kunin ang exact figures sa loan documents mo.