Did you know that you no longer need to visit a Pag-IBIG Fund office to apply for a loan or perform any other transaction with the agency?
With the Virtual Pag-IBIG portal, it’s easy and quick to access the government agency’s services online in a matter of clicks while staying at home. You won’t have to wait in line for hours on end in a Pag-IBIG branch. Because the online service is available 24/7, you can use it even when Pag-IBIG offices are closed after office hours, on weekends, and on holidays.
To enjoy such a convenience, the first step you need to take is to create a Virtual Pag-IBIG account. Here’s a simple guide to help you get started.
What is Virtual Pag-IBIG?
The Virtual Pag-IBIG is an online facility that enables members to avail of Pag-IBIG Fund services over the internet. Launched in December 2019, the online portal was intended to make Pag-IBIG services more efficient and convenient.
The Virtual Pag-IBIG, which is transaction-based, is different from the Pag-IBIG Fund’s corporate website[2] that is mainly informational. Using the system allows you to transact with Pag-IBIG anytime, anywhere using your laptop or smartphone without having to go to a branch.
Virtual Pag-IBIG Services
Services You Can Access Without a Virtual Pag-IBIG Account
You can complete the following transactions online without a Virtual Pag-IBIG account:
- Pag-IBIG membership registration
- Pag-IBIG MID (Membership ID) Number verification
- Modified Pag-IBIG II (MP2) enrollment
- Pag-IBIG housing, multi-purpose, and calamity loan application
- Housing loan interest rate re-pricing application
- Online payment for Pag-IBIG contributions (Regular and MP2 savings) and loans (housing, multi-purpose, and calamity) through Visa, Mastercard, JCB credit cards, or PayMaya
Services That Require a Virtual Pag-IBIG Account
However, it’s better to create an account with Virtual Pag-IBIG, so you can access its full range of services, such as the following:
- View Pag-IBIG regular and MP2 savings records (including annual dividends earned)
- Check Pag-IBIG housing, multi-purpose, or calamity loan status
- View loan records (including payments posted and outstanding balance)
- Monitor account balance and transaction history of your Pag-IBIG Fund Loyalty Card Plus
- Book an appointment schedule for submission of housing loan requirements
- Real-time chat facility for inquiries and concerns about your Pag-IBIG membership
Additional Virtual Pag-IBIG Services
In addition to the existing features of the online portal, Pag-IBIG is developing more services that will be made available on the site.
The government agency aims to provide the following online services in the future:
- Application for merging or consolidation of member’s records
- Online services for member-employers, so they can endorse and monitor their employees’ loans
- Online services for real estate developers, enabling them to validate a borrower-member’s qualification for the Pag-IBIG housing loan
Virtual Pag-IBIG Account Registration
Pag-IBIG Fund provides three ways for members to open a Virtual Pag-IBIG account. You can open an account through the Loyalty Card Plus or by visiting any Pag-IBIG branch if you don’t have one. For OFWs, there’s a special process for their account creation and activation.
Regardless of the online registration method you use, it’s easy to sign up for an account on Virtual Pag-IBIG.
How to Create a Virtual Pag-IBIG Account With Loyalty Card Plus
If you have a Pag-IBIG Fund Loyalty Card Plus, you can create an online account and activate it using your card number. This is the most convenient Virtual Pag-IBIG online registration method, as it allows you to complete all steps in just one sitting.
Here are the steps to open a Virtual Pag-IBIG using your Loyalty Card Plus:
- Go to www.pagibigfundservices.com/virtualpagibig.
- Click the Create Account > Continue buttons.
- Choose to register “Via your Loyalty Card Plus.”
- Provide the following required details:
- Pag-IBIG MID number
- Partner-bank that issued your Loyalty Card Plus (UnionBank or AUB)
- Last four digits of your card number (found at the back of the card)
- Enter the one-time PIN (OTP) you will receive via SMS.
- Enter your email address and answers to three security questions.
- Check your email for a confirmation message with your temporary password.
- Create a new password for your Virtual Pag-IBIG account.
- Log in to your account using your email address and password.
How to Create a Virtual Pag-IBIG Account Without Loyalty Card Plus
Even if you don’t have a Loyalty Card Plus, you can still enroll in Virtual Pag-IBIG. But you’ll be required to go to any Pag-IBIG Fund branch to activate your account.
Here are the steps to open a Virtual Pag-IBIG without Loyalty Card Plus:
- Go to www.pagibigfundservices.com/virtualpagibig.
- Click the Create Account > Continue buttons.
- Select this option: “Create your account online and activate at the nearest Pag-IBIG Fund Branch.”
- Provide the following required details:
- Pag-IBIG MID number
- Last name, first name, and middle name
- Birthdate
- Mobile number
- Enter the OTP you will receive via SMS.
- Enter your email address, answers to three security questions, mother’s maiden name, and birthplace.
- Take a photo of your passport or two valid government-issued IDs and then upload it.
- Take your selfie while holding at least one of the IDs you submitted. Upload this picture.
- You’ll receive a text message confirming your account creation. Visit the nearest Pag-IBIG office within seven days to activate your account.
How to Create an OFW Virtual Pag-IBIG Account
Overseas Filipinos currently working abroad can open an account online on Virtual Pag-IBIG.
Here are the steps to open a Virtual Pag-IBIG for OFWs:
- Go to www.pagibigfundservices.com/virtualpagibig.
- Click the Create Account > Continue buttons.
- Select “Account Creation for OFWs.”
- Provide the following required details:
- Pag-IBIG MID number
- Last name, first name, and middle name
- Birthdate
- Mobile number in the Philippines
- Enter the OTP sent to your mobile phone via SMS.
- Enter your host country, email address, answers to three security questions, mother’s maiden name, and birthplace.
- Take a photo of your passport or two valid government-issued IDs and then upload it.
- Take your selfie while holding at least one of the IDs you submitted. Upload this picture.
- You’ll receive a text message confirming your account creation. Your account will be automatically activated within three days.
Final Thoughts
Although traditional face-to-face government transactions are still preferred by some, these can be extremely inconvenient and risky (considering that the threat of COVID-19 still exists).
Give the Virtual Pag-IBIG a try. It’s actually one of the most efficient, reliable, and secure government online facilities. Using it is a lot safer and more convenient than making in-person transactions at overcrowded branches.
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