Pag-IBIG Calamity Loan calculator
With ₱60,000 in Pag-IBIG savings you can borrow ₱54,000 at 5.95% a year if you live or work in an area declared under a State of Calamity. Over 24 months that is ₱2,427.68 a month (₱54,000 plus ₱803.25 of interest for the 3-month grace period, amortized), ₱333.43 less a month than the Multi-Purpose Loan at 1.4583% a month. Circular No. 470, issued April 30, 2025
The loan opens only after a calamity declaration, and you have 90 days to apply. Pag-IBIG announces the covered areas on its official channels, including its official Facebook page; the Calamity Loan page has the rules. Circular No. 470
How much you can borrow and pay each month
- Monthly amortization on ₱54,000
- ₱2,427.68
- Most you can borrow (90% of savings, less what you owe)
- ₱54,000
- Per ₱10,000 borrowed
- ₱449.57 a month
- Total of 24 amortizations
- ₱58,264.32
- Grace-period interest (3 months), included in the payments
- ₱803.25
- Total interest
- ₱4,264.32
- Rate
- 5.95% a year
Pag-IBIG adds 3 months of interest on the full loan to the principal and amortizes the total at 5.95% a year over your term, under Circular No. 470 issued April 30, 2025. Circular No. 470, section 7
Log in to Virtual Pag-IBIG (or its official app on Google Play or the App Store), choose Apply for and Manage Loans, Apply for Short-Term Loan, then Calamity Loan. Follow it on the Loan Status Verification page. SSS members can add the SSS emergency or calamity loan. Pag-IBIG Fund
12, 24 or 36 months
| On ₱54,000 | Per month | Grace interest (included) | Total interest |
|---|---|---|---|
| 12 months | ₱4,715.46 | ₱803.25 | ₱2,585.52 |
| 24 months | ₱2,427.68 | ₱803.25 | ₱4,264.32 |
| 36 months | ₱1,665.98 | ₱803.25 | ₱5,975.28 |
If your area qualifies, borrow through the Calamity Loan before the MPL. At 5.95% a year against about 17.5% for the Multi-Purpose Loan, ₱54,000 over 24 months costs ₱4,264.32 in interest instead of ₱12,266.64. Both draw on the same 90% of your savings.
SSS members can borrow on top of it. The SSS emergency and calamity loans are a separate agency's programs and do not reduce what Pag-IBIG lends you.
Next: Choose the shortest term whose payment fits your take-home pay, then apply in Virtual Pag-IBIG before the 90-day window closes.
What your savings let you borrow
| Savings (TAV) | Most you can borrow | 12 months | 24 months | 36 months |
|---|---|---|---|---|
| ₱20,000 | ₱18,000 | ₱1,571.82 | ₱809.23 | ₱555.33 |
| ₱50,000 | ₱45,000 | ₱3,929.55 | ₱2,023.07 | ₱1,388.32 |
| ₱100,000 | ₱90,000 | ₱7,859.10 | ₱4,046.13 | ₱2,776.63 |
| ₱200,000 | ₱180,000 | ₱15,718.20 | ₱8,092.26 | ₱5,553.27 |
Effective under Circular No. 470, issued April 30, 2025, at 5.95% a year with the grace interest included. Lowest of your desired amount, 90% of your Total Accumulated Value (your savings, your employer's share and dividends) less any outstanding MPL, Calamity Loan or HELPs balance, and your capacity to pay. Circular No. 470, section 6
Next: Look up your Total Accumulated Value on your savings record in Virtual Pag-IBIG. Already have an MPL? Check what it leaves you in the MPL calculator, since both share the 90% limit.
Who qualifies and when
- At least 12 monthly membership savings under Pag-IBIG Regular Savings (or total savings equal to 12 months at your rate)
- Active membership, with at least 1 monthly savings within the last 6 months (12 months for OFWs)
- Any existing Multi-Purpose, Calamity or HELPs loan is not in default
- You live, or work, in an area declared under a State of Calamity
- Proof of income
Window: Apply within 90 days from the declaration of a State of Calamity for your area by the Office of the President or the Sangguniang Bayan (or the LGU). Circular No. 470, section 5
Calamities covered: Typhoon, storm surge, tornado, landslide, earthquake, tsunami, volcanic eruption, El Niño and La Niña, and man-made hazards; other calamities only if the Pag-IBIG Board approves. Circular No. 470, section 1
Your monthly Pag-IBIG contribution counts toward the 12 monthly savings. Pag-IBIG Calamity Loan page
Next: Check the declaration for your city or province in Pag-IBIG's announcements on its official Facebook page, then count 90 days from its date.
If a payment goes wrong
- Late amortization: 1/20 of 1% of the unpaid amount for every day of delay. On a ₱2,427.68 amortization that is ₱1.21 a day. Pay by the 15th of each month. For salary deduction, penalties are reversed and charged to the employer if you prove the missed payment was the employer's fault.
- Default: Missing three consecutive monthly amortizations or three consecutive monthly Pag-IBIG savings, wilful misrepresentation, or breaking Pag-IBIG loan rules. The outstanding loan becomes due, and without demand Pag-IBIG Fund offsets it from your Total Accumulated Value. Keep both your amortizations and your monthly Pag-IBIG savings going.
- Hit by layoff, illness or disability. You may ask Pag-IBIG to offset the balance against your savings early for listed reasons, such as total disability, layoff or company closure, critical illness, a death in the immediate family, or repatriation of an OFW.
Next: Pay or check your balance through Virtual Pag-IBIG, and keep your monthly Pag-IBIG contribution going: three missed savings in a row also count as default.
How to apply, step by step
Before you start
- A State of Calamity declaration covering where you live or work, dated within the last 90 days.
- A Virtual Pag-IBIG account, with at least 12 monthly savings and 1 in the last 6 months (12 months for OFWs).
- A Pag-IBIG Loyalty Card Plus or a Landbank, DBP or UCPB cash card in your name, for the release.
- One valid ID, and a selfie holding that ID and the card if you apply online.
- Proof of income, from the list below.
Online, in Virtual Pag-IBIG:
- Go to Virtual Pag-IBIG, click Apply for and Manage Loans, then Apply for Short-Term Loan and select Calamity Loan.
- Click Proceed once your requirements are ready.
- Fill in the details, including your cash card or Loyalty Card Plus, and upload your valid ID and a selfie holding that ID and the card.
- Allow 2 to 3 working days for processing and validation; you can follow it on the Loan Status Verification page. The Loan Status Verification page shows where your application stands; if nothing shows after 3 working days, contact your Pag-IBIG branch.
- Wait for the SMS that the loan has been credited to your card. The SMS means the money is on your card; no SMS yet means it has not been credited, so check the status page.
At a branch: Fill in form HQP-SLF-066 and submit it with the requirements at the nearest Pag-IBIG branch, through your employer, or at a Lingkod Pag-IBIG on Wheels mobile branch, then keep the STL Acknowledgment Receipt. The STL Acknowledgment Receipt is your proof of filing; keep it until the loan is credited.
Requirements
- Accomplished Calamity Loan Application Form (HQP-SLF-066)
- One valid ID
- Employed: the Certificate of Net Pay at the back of the form, filled in by your employer, or a photocopy of your latest one-month payslip authenticated by the company
- Self-employed: one of ITR with audited financial statements and tax receipt (with DTI registration and business permit), commission vouchers for the last 12 months, bank statements or passbook for the last 12 months, a transport franchise, a certificate of engagement, or a Declaration of Income (HQP-SLF-136)
- OFW: employment contract or Certificate of Employment and Compensation from the past 12 months, or the ITR filed in the host country (English translation if in another language)
- Photocopy of your payroll account or disbursement card (Landbank, DBP or UCPB cash card) for release of the proceeds
- Online: a selfie holding your valid ID and cash card
Forms: HQP-SLF-066 Calamity Loan Application Form (V11, 05/2025), HQP-SLF-136 Declaration of Income. Pag-IBIG Calamity Loan page, Requirements
For your own loan record, a missing credit or whether your area is covered, contact Pag-IBIG Fund at contactus@pagibigfund.gov.ph or your nearest branch. Pag-IBIG contact details
Questions about the Pag-IBIG Calamity Loan
How much can I borrow under the Pag-IBIG Calamity Loan?
Up to 90% of your Total Accumulated Value less any MPL, Calamity Loan or HELPs balance, under Circular No. 470, issued April 30, 2025: ₱100,000 in savings x 90% = ₱90,000.
What is the interest rate of the Pag-IBIG Calamity Loan?
5.95% a year on the diminishing balance, set by Circular No. 470, issued April 30, 2025; any change is set by Pag-IBIG's Interest Rate Setting Committee.
Until when can I apply for the Pag-IBIG Calamity Loan?
Within 90 days from the declaration of a State of Calamity for your area (Circular No. 470, section 5).
When is the first payment?
On or before the 15th of the month, starting on the fourth month from the disbursement voucher date (Circular No. 470, section 10.3).
Can I have a Calamity Loan and an MPL at the same time?
The Calamity Loan, MPL and HELPs are separate programs, so you may hold a Calamity Loan with an existing MPL or HELPs, but your short-term loans together may never pass 90% of your Total Accumulated Value (Circular No. 470, sections 15.1 and 15.2).
Can I renew my Pag-IBIG Calamity Loan?
If another calamity hits the same area, you may renew at any time; the old Calamity Loan balance, with interest and charges, is deducted from the new proceeds. (Circular No. 470, section 15.3)
Are there fees on the Pag-IBIG Calamity Loan?
None are listed in Circular No. 470, issued April 30, 2025; the cost is the interest alone.