How Much Is The Down Payment For Pag Ibig Housing Loan?

Have you been thinking about taking out a housing loan with the Pag-IBIG Fund? Are you wondering how much of a down payment you need to make? If so, you’ve come to the right place.

In this blog post, we’ll break down all the details you need to know about taking out a Pag-IBIG housing loan, including how much of a down payment you can expect to pay.

How Does A Pag-IBIG Housing Loan Work?

The amount of down payment required for a Pag-IBIG housing loan varies depending on the loan amount and type of property being purchased. However, in general, Pag-IBIG requires a minimum down payment of 10% of the total cost of the property.

This amount may be higher for certain types of properties or in certain areas. It’s best to check with Pag-IBIG directly for the most up-to-date information on their down payment requirements.

A Pag-IBIG housing loan is one of the many services offered by the Home Development Mutual Fund (HDMF) in the Philippines. It provides members with access to long-term financing for their own home purchase or construction.

The HDMF’s goal is to provide low-cost and affordable housing loans that will enable people in the Philippines to own their own homes. To ensure that borrowers are able to meet their obligations, the HDMF has several requirements in place. These include having a valid ID and being employed for at least two years prior to applying for a loan.

What Is The Down Payment For A Pag-IBIG Housing Loan?

The down payment for a Pag-IBIG housing loan depends on several factors, such as your creditworthiness, income level, and other factors determined by the HDMF. Generally speaking, however, it can range from 10% – 20% of the total loan amount.

This means that if you were looking for a 1 million peso loan from Pag-IBIG, you would likely need anywhere from 100k – 200k pesos upfront before your loan could be approved.

How Can I Increase My Chances Of Getting Approved?

If you want to increase your chances of getting approved for a Pag-IBIG housing loan, there are several steps you can take: first and foremost, make sure that your credit history is in good standing.

secondly, make sure that your income level is sufficient enough to cover both the monthly payments and any other expenses related to owning or building a home.

thirdly, put together an application package that includes all relevant documents such as proof of employment and valid ID;

finally, don’t be afraid to ask questions if something isn’t clear the HDMF will be happy to answer them!


Taking out a Pag-IBIG housing loan is an exciting step towards owning your own home! Knowing what kind of down payment you should expect helps put this process into perspective. As always, be sure to check with an authorized agent or representative from the HDMF if you have any questions about applying for a housing loan or making payments on one. Good luck with your home purchase!

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