Saturday, February 26, 2022
Thursday, February 24, 2022
Wednesday, February 23, 2022
P1 at MP2 Dividend Rates for 2021
Pag-IBIG Regular Savings (P1)
5.50% Dividend
Modified Pag-IBIG 2 (MP2) Savings
6.00% Dividend
Pag-IBIG Dividend 2021
May bunga ang Pag-IBIG mo! Get kilig sa DIVIDEND REVEAL sa February 24!
Abangan dito sa Pag-IBIG Fund (HDMF) Facebook Page ang livestream ng 2021 Pag-IBIG Fund Chairman's Report. Sama-sama nating alamin ang performance ng Pag-IBIG Fund, kabilang ang dividend rates para sa Pag-IBIG Regular Savings at MP2 para sa taong 2021.
Dividends will be credited to members' account by the second quarter of 2022 kaya STAY TUNED tayong lahat!
Pag-IBIG FAQ's
Pag-IBIG (P1) Regular Savings - Frequently Asked Questions
What is the Pag-IBIG Regular Savings Program?
This is where your mandatory monthly membership savings (contributions) go!
The Pag-IBIG Regular Savings is a secure and convenient savings facility that gives you high annual dividend earnings to help secure your future. This is because you can eventually withdraw your savings after membership maturity of 20 years, retirement and other grounds.
How much should I save monthly?
The Pag-IBIG monthly membership savings is pegged at just Php100. Employed members immediately double their monthly savings with the counterpart share of their employees.
Your savings grows even more with the dividends it earns annually.
You may wish to save more than Php100 monthly so that you can save more and earn more.
Modified Pag-IBIG 2 (MP2) Savings - Frequently Asked Questions
What is Pag-IBIG Fund MP2 Savings Program?
The MP2 Savings Program is a voluntary savings platform for Pag-IBIG Fund members who wish to save more and earn high dividends, in addition to their Pag-IBIG Fund Regular Savings.
Who can save under MP2?
- Active Pag-IBIG Fund Members; and
- Former Pag-IBIG Fund Members with other sources of monthly income and/or Pensioners, regardless of age, with at least 24 monthly savings prior to retirement.
Virtual Pag-IBIG - Frequently Asked Questions
What is Virtual Pag-IBIG?
The Virtual Pag-IBIG is Pag-IBIG Fund’s online service facility that allows you to safely and conveniently access Pag-IBIG Fund’s services anytime, anywhere using just your smartphone or computer with internet connection.
It also provides a chat service with a Lingkod Pag-IBIG service officer ready to answer your inquiries or concerns.
It’s like having your own Pag-IBIG Fund branch ready to serve you 24/7!
What services does the Virtual Pag-IBIG offer?
By simply visiting www.pagibigfundservices.com/virtualpagibig, you can immediately enjoy the following services:
a. Register as a Pag-IBIG Fund member and get your permanent Membership ID (MID)Number;
b. Open a MP2 Savings Account;
c. Apply for a Pag-IBIG Multi-Purpose Loan (MPL);
d. Apply for Pag-IBIG Calamity Loan (for members whose area of residence is declared under a state of calamity);
e. Take the first step in applying for a Pag-IBIG Housing Loan;
f. Apply for a Pag-IBIG Home Equity Appreciation Loan (HEAL);
g. View the status of your loan (Housing, Multi-Purpose, Calamity or Home Equity Appreciation Loan);
h. Top-Up your Pag-IBIG Regular Savings;
i. Save in the Pag-IBIG MP2 Savings;
j. Pay your Pag-IBIG loans (Housing, Multi-Purpose, Calamity or Home Equity Appreciation Loan);
k. Apply for Interest-Rate Repricing on your Housing Loan;
l. Claim your Pag-IBIG Savings (due to membership maturity, optional withdrawal of savings, retirement at age 65, and MP2 Savings maturity); and
m. Chat with a Lingkod Pag-IBIG, 24/7, to help you learn more about your Pag-IBIG Fund benefits.
Enjoy even more services by opening a Virtual Pag-IBIG Account!
CLAIM Pag-IBIG SAVINGS
Before getting started on your Pag-IBIG Savings (MP2 Savings Maturity) Claim Application, make sure to prepare the following:
MP2 SAVINGS MATURITY
1. CLAIM APPLICATION FORM
Photo or scanned copy of your CLAIM APPLICATION FORM, containing the required information and your signature.
To help you fill in your application form, see our APPLICATION FORM GUIDE:
2. ONE (1) VALID ID
Photocopy or scanned copy of ONE (1) of your VALID IDENTIFICATION (ID) CARDS.
See a sample Valid ID Card's ...
3. CASH CARD
Your Loyalty Card Plus.
4. SELFIE PHOTO
Selfie photo showing your ID Card and Cash Card.
See a sample Valid ID Card's ...
Tuesday, February 22, 2022
Virtual Pag-IBIG - Frequently Asked Questions
What is Virtual Pag-IBIG?
The Virtual Pag-IBIG is Pag-IBIG Fund’s online service facility that allows you to safely and conveniently access Pag-IBIG Fund’s services anytime, anywhere using just your smartphone or computer with internet connection.
It also provides a chat service with a Lingkod Pag-IBIG service officer ready to answer your inquiries or concerns.
It’s like having your own Pag-IBIG Fund branch ready to serve you 24/7!
What services does the Virtual Pag-IBIG offer?
By simply visiting https://pagibigfundservices.com/virtualpagibig/, you can immediately enjoy the following services:
a. Register as a Pag-IBIG Fund member and get your permanent Membership ID (MID)Number;
b. Open a MP2 Savings Account;
c. Apply for a Pag-IBIG Multi-Purpose Loan (MPL);
d. Apply for Pag-IBIG Calamity Loan (for members whose area of residence is declared under a state of calamity);
e. Take the first step in applying for a Pag-IBIG Housing Loan;
f. Apply for a Pag-IBIG Home Equity Appreciation Loan (HEAL);
g. View the status of your loan (Housing, Multi-Purpose, Calamity or Home Equity Appreciation Loan);
h. Top-Up your Pag-IBIG Regular Savings;
i. Save in the Pag-IBIG MP2 Savings;
j. Pay your Pag-IBIG loans (Housing, Multi-Purpose, Calamity or Home Equity Appreciation Loan);
k. Apply for Interest-Rate Repricing on your Housing Loan;
l. Claim your Pag-IBIG Savings (due to membership maturity, optional withdrawal of savings, retirement at age 65, and MP2 Savings maturity); and
m. Chat with a Lingkod Pag-IBIG, 24/7, to help you learn more about your Pag-IBIG Fund benefits.
Enjoy even more services by opening a Virtual Pag-IBIG Account!
What added services will I enjoy with a Virtual Pag-IBIG account?
With a Virtual Pag-IBIG account, you can enjoy the following premium services:
a. View your Pag-IBIG Regular Savings records, including the annual dividends it has earned;
c. View your MP2 Savings records, including the annual dividends it has earned;
d. View your loan records (payments made and the outstanding balance of your Housing, Multi-Purpose, or Calamity Loan); and
e. View the account balance and transaction history of your Loyalty Card Plus (currently available for cards issued by Asia United Bank); and
How can I access the Virtual Pag-IBIG?
Using just your smartphone or computer with internet connection, you can easily access the Virtual Pag-IBIG by visiting https://www.pagibigfund.gov.ph, and clicking on the Virtual Pag-IBIG, For Members link on the main menu.
You may also click https://www.pagibigfundservices.com/virtualpagibig/ to directly access Virtual Pag-IBIG.
I don’t have a Virtual Pag-IBIG account. Can I still enjoy its services?
Yes! You can still have access to many of Pag-IBIG Fund’s services even if you do not have a Virtual Pag-IBIG account. However, to enjoy premium services, such as viewing your savings and loan records, you would need to create your own account. This is to ensure that your records with Pag-IBIG are kept safe.
How can I create my Virtual Pag-IBIG account?
Opening a Virtual Pag-IBIG account is as easy as creating an email address or a Facebook Profile. Simply visit Virtual Pag-IBIG at the Pag-IBIG Fund website, click the “Create Account” button, and choose how to create your account from the following options:
a. Via your Pag-IBIG Loyalty Card Plus;
b. Via Online Activation; or
d. Via Account Creation for Overseas Filipino Workers (OFWs)
How do I create a Virtual Pag-IBIG account using my Loyalty Card Plus?
The most convenient way to create a Virtual Pag-IBIG account is by using your Pag-IBIG Loyalty Card Plus. If you have one, choose this option and key in details found on your card to create your account.Here’s a few simple steps to create your Virtual Pag-IBIG account using your Loyalty Card Plus:
- After choosing to create your account via your Pag-IBIG Loyalty Card Plus, key in the following information:
- Pag-IBIG Fund Membership ID (MID) Number
- Bank which issued your Loyalty Card Plus
- Last four (4) digits of your card number found at the reverse side of your Loyalty Card Plus
- Input the One-Time Pin (OTP) sent to your mobile phone;
- Key in the following information:
- Email Address
- Three (3) security questions and answers to help you retrieve your password in the event you forget this in the future
- Receive confirmation of your account creation and your temporary password via email; and
- Create your new password and log-in to start enjoying the full range of services of Virtual Pag-IBIG
How do I create a Virtual Pag-IBIG account online, even without a Pag-IBIG Loyalty Card Plus?
Members without a Pag-IBIG Loyalty Card Plus can still create a Virtual Pag-IBIG account by choosing the “Create and Activate your account online” option.
Create your Virtual Pag-IBIG account using this option by following these simple steps:
- After choosing to create your account via the “Create and Activate Online” option, key in the following information:
- Pag-IBIG Fund Membership ID (MID) Number
- Complete name
- Date of birth
- Mobile phone number
- Input the One-Time Pin (OTP) sent to your mobile phone
- Key in the following information:
- Email Address
- Three (3) security questions and answers for password retrieval, in the event you forget your password in the future
- Mother’s Maiden Name
- Place of Birth
- Upload a photo of your passport or two (2) valid primary identification cards. Please make sure that your photo is clear and your information on the card are readable;
- Upload your selfie picture while holding your passport showing or the two (2) valid identification cards you submitted. Please make sure that your photo is clear and your information on the card are readable;
- Receive an SMS confirming that you have successfully created your Virtual Pag-IBIG Account; and
- Receive another SMS over the next few days informing you that your Virtual Pag-IBIG account has been activated and how you may access it.
For your security, please change your temporary password immediately to protect your Virtual Pag-IBIG account.
How do I create a Virtual Pag-IBIG account if I’m an OFW?
Overseas Filipino Workers (OFWs) may also create their accounts anytime, wherever they may be around the world by choosing the “Account Creation for OFWs” option.
Here’s how:
- After choosing to create your account via the “Account Creation for OFWs” option, key in the following information:
- Pag-IBIG Fund Membership ID (MID) Number
- Complete name.
- Date of birth.
- Philippine mobile phone number.
- Input the One-Time Pin (OTP) sent to your mobile phone;
- Key in the following information:
- Country of Assignment
- Email Address.
- Three (3) security questions and answers for password retrieval, in the event you forget your password.
- Mother’s Maiden Name.
- Place of Birth.
- Upload a photo of your passport or two (2) valid primary identification cards. Please make sure that your photo is clear and your information on the card are readable;
- Upload your selfie picture while holding your passport showing or the two (2) valid identification cards you submitted. Please make sure that your photo is clear and your information on the card are readable;
- Receive an SMS confirming that you have successfully created your Virtual Pag-IBIG account;
- Receive another SMS over the next few days informing you that your Virtual Pag-IBIG account has been activated and how you may access it; and
For your security, please change your temporary password immediately to protect your Virtual Pag-IBIG account.
Will Virtual Pag-IBIG have even more services?
Yes! We are continuously developing the services available for you via the Virtual Pag-IBIG to make you feel Pag-IBIG online even more!
Ano Ang Pag-IBIG Regular Savings (P1) at PM2 Savings
Pag-IBIG Regular Savings
You may withdraw your Pag-IBIG Regular Savings should any of the following occur:
- Membership maturity after 20 years, equivalent to 240 monthly contributions
- Retirement at age 60 (optional) or 65 (mandatory)
- Separation from service due to health reasons
- Permanent departure from the country
- Permanent and total disability or insanity
- Upon death, in which case, his legal heirs will receive his TAV plus an additional death benefit
- Critical illness of the member or any of his immediate family member, as certified by a licensed physician.
Pag-IBIG MP2 Savings
Once your MP2 Savings reach the 5-year maturity period, you may re-apply for a new MP2 Savings Account.
You may claim your MP2 Savings anytime upon maturity. If unclaimed, your MP2 Savings shall continue to earn dividends for two more years based on the dividend rates of the Pag-IBIG Fund Regular Savings Program. After the said period, it shall no longer earn dividends, and must be withdrawn or claimed.
Read Pag-IBIG Frequently Asked Questions here!
CREATE VIRTUAL PAG-IBIG ACCOUNT!
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Pag-IBIG Fund Finances 22,028 Socialized Homes in 2021, up 30%
Pag-IBIG Fund financed more homes for low-income earners in 2021 even during the pandemic, top executives said on Monday (January 24).
In 2021, the number of socialized homes financed by Pag-IBIG Fund increased 30% to 22,028 compared to the 16,975 socialized units funded in 2020. The amount of socialized housing loans, meanwhile, surged 37% to P9.71 billion compared to the P7.10 billion released in 2020.
“As the pandemic subsists, Pag-IBIG Fund’s Affordable Housing Program continues to help more low-income workers secure homes of their own. For 2021, we have released more funds so that more of our low-wage members have a safe place of their own. Providing service to the underserved is our contribution to the recovery of our country,” said Secretary Eduardo D. del Rosario, Chairman of the Department of Human Settlements and Urban Development (DHSUD) and the 10-member PagIBIG Fund Board of Trustees.
Pag-IBIG Fund’s Affordable Housing Program (AHP) is a special home financing program that caters to the needs of minimum-wage and lowincome members who earn up to P15,000 a month in the National Capital Region (NCR) and members who earn up to P12,000 per month outside the NCR. Under the AHP, home loans worth up to P580,000 come with a subsidized rate of 3% per annum, which is still the most affordable rate in the market today.
Pag-IBIG Fund Chief Executive Officer Acmad Rizaldy P. Moti added that socialized units make up 23% of the 94,533 total homes funded by the agency in 2021. Meanwhile, socialized home loans comprise 10% of the P97.28 billion in home loans released last year.
“For years, we have been striving to break the glass ceiling of releasing home loans worth P100 billion in a year. In 2021, I’m glad to say that we have achieved this seemingly impossible goal! And we did that by steadily growing our home releases year in and year out. Best of all, we achieved our goal by also growing the number of socialized homes and the number of members helped by the AHP. As I always say, our approach to housing has always been comprehensive. Even amid the pandemic, the AHP still offers the lowest rate in the market, which in turn keeps monthly amortization lower than the cost of rent. And, since qualified borrowers do not need to put out cash for equity under the program, payments are always within budget of low-income members. Walang iwanan lalo na sa panahon ng pandemya. That is the mark of our Lingkod Pag-IBIG brand of service,” said Moti. [END]
SOURCE: Pag-IBIG - Virtual Account
How to Enroll for Pag-IBIG MP2 Savings Account Online??
How to Apply for Pag-IBIG MP2 Savings Account Online?
Pag-IBIG members can open an MP2 Savings account safely and conveniently online. It is one of the services available via Virtual Pag-IBIG. Previously, we’ve provided you with guides on how you can apply for a salary loan and a calamity loan online. This time, we’re bringing you a guide on the MP2 Savings Program, covering what it is and how you can apply online.
What is MP2 Savings Program?
The Modified Pag-IBIG II (Pag-IBIG MP2) Savings Program is identified as a special and voluntary savings facility with a 5-year maturity, designed for active Pag-IBIG Fund members who wish to save more and earn even higher dividends, in addition to their Pag-IBIG Regular Savings.
The program is also open to former Pag-IBIG Fund members (pensioners and retirees) with other sources of monthly income, regardless of age, and with at least 24 monthly savings before retirement.
According to Pag-IBIG, they set aside at least 70% of its annual net income and credits it proportionately to its members’ Pag-IBIG Savings as dividends. This means that the more one has saved, the higher dividends that member shall earn.
Moreover, Pag-IBIG Fund invests at least 70% of its investible funds in housing finance, as its Charter requires. It also invests in government securities and corporate bonds. The Pag-IBIG MP2 Savings, being a voluntary program, earns a higher dividend rate than the mandatory Pag-IBIG Regular Savings.
In 2020, the MP2 Savings earned a dividend rate of 6.12%.
Here are the MP2 Savings Dividend Rates over the past nine years.
| Year | MP2 Savings Dividend Rate |
| 2020 | 6.12% |
| 2019 | 7.23% |
| 2018 | 7.41% |
| 2017 | 8.11% |
| 2016 | 7.43% |
| 2015 | 5.34% |
| 2014 | 4.69% |
| 2013 | 4.58% |
| 2012 | 4.67% |
| 2011 | 4.63% |
Furthermore, the minimum MP2 savings is PHP 500 per remittance. More so, there is no limit on the amount you can save in the MP2 savings. However, if you wish to save more than PHP 500,000, you would have to issue a personal or manager’s check payable to Pag-IBIG Fund.
How to Open an MP2 Savings Account?
As mentioned, you can open an MP2 Savings account safely and conveniently online via Virtual Pag-IBIG. Once you are issued an MP2 Savings account number, you can start saving.
If you are employed, you may save in the MP2 Savings through your employer, who may deduct from your salary your monthly MP2 Savings and remit this amount to Pag-IBIG Fund. You may also save in the MP2 on your own, via Virtual Pag-IBIG, at any Pag-IBIG Fund branch, or through any of our authorized collecting partner outlets or online payment channels.
However, if you are self-employed or an Overseas Filipino Worker (OFW), you may save in the MP2 Savings anytime using the above payment channels.
CLICK HERE TO CONTINUE READING PAG-IBIG FAQ'S!
Here are the steps to applying for the MP2 Savings Program online:
- Visit the MP2 Enrollment page at www.pagibigfundservices.com/MP2Enrollment.
- Enter your:
- Pag-IBIG Membership ID (MID) number,
- Last Name, First Name, and
- Birthdate (MM/DD/YYYY).
- Type the CAPTCHA code.
- Click the Submit button.
- In the Desired Monthly Contribution field, enter the amount you wish to remit every month for your Pag-IBIG MP2 savings.
- Select your preferred option from the following dropdown menus:
- Preferred Dividend Payout: Whether you would like to receive your MP2 dividends annually or by the end of the five-year term.
- Mode of Payment: Whether you prefer to pay your MP2 contributions through salary deduction, over-the-counter at any Pag-IBIG branch, or through any Pag-IBIG Fund-accredited collecting partners.
- Source of Funds: Your main income source where your MP2 payments will come from.
- Click the Submit button.
- Your completed Modified Pag-IBIG II Enrollment Form will be displayed, which contains your 12-digit MP2 account number. You have the option to save this form as a PDF file or print it.
Kaagapay Program FAQ's
Kaagapay na proteksyon sa bawat miyembro ng Pag-IBIG Fund
(Initially available for Pag-IBIG Loyalty Card and Pag-IBIG Loyalty Card Plus Holders)
What is the Lockton Kaagapay Program?
Ang Lockton Kaagapay Program ay isang bundled insurance na nagbibigay proteksyon sa di inaasahang pangyayari. Ang coverage nito ay life, accident, hospitalization, at property protection.
Sa halagang 120 peos kada taon, ang bawat miyembro ng Pag-IBIG Loyalty Card o Pag-IBIG Loyalty Card Plus ay maaring makakuha ng microinsurance.
Who are eligible to get the Lockton Kaagapay Program?
Currently, Pag-IBIG Loyalty Card and Pag-IBIG Loyalty Card Plus holders can get the Lockton Kaagapay Program.
In the future, we will open the Lockton Kaagapay program to all Pag-IBIG Fund members. For non-cardholders, we highly encourage to get and enjoy the discounts and benefits of the Loyalty Card Plus.
How much is a unit of the Lockton Kaagapay Program? How often do I need to pay to get insurance coverage?
A unit of the Lockton Kaagapay Program is 120 pesos. You get insurance coverage for one year. You just need to pay the 120 pesos per unit one time and you get coverage for the eight benefits.
What do you mean by unit in the Lockton Kaagapay Program?
Unit means the Certificate of Cover (COC) or policy that one avails. Note that Pag-IBIG Loyalty Card and Pag-IBIG Loyalty Card Plus holders can get up to five (5) units per year.
What do you mean by a Loyalty Card / Loyalty Card Plus holder can get up to five units of the Kaagapay Program?
Ang bawat holder ay maaring kumuha ng hanggang limang units ng Kaagapay Insurance. Kung ikaw ay kukuha ng 5 units, ibig sabihin ang benefits at coverage mo sa Kaagapay Program ay magiging 5 times (5x). Tandaan na ang mga coverage sa Kaagapay Program ay subject sa Terms and Conditions ng policy.
Can an OFW get the Lockton Kaagapay Program?
As long as you are a PAG-IBIG Fund Loyalty Card / Loyalty Card Plus holder at ikaw ay kasalukuyang nanirahan sa Pilipinas ikaw ay maaring makakuha ng Kaagapay Insurance.
Kung ang isang Loyalty Card holder ay aalis papuntang ibang bansa o nasa ibang bansa, ang inyong policy ay temporarily suspended except for the Fire and Lightning Cash assistance. Upon return to the Philippines, your coverage resumes.
What are the benefits offered in the Lockton Kaagapay Program?
A unit of the Lockton Kaagapay Progam provides the following benefits:
a. Accidental Death Benefit – Php 22,500
b. Motorcycling (except racing) – Php 22,500
c. Accidental Disablement / Dismemberment – Php 18,000
d. Fire / Lightning Cash Assistance – Php 5,000
e. Ambulance Cash Benefit – Php 1,500
f. Hospital Cash Assistance (Accident and Sickness) – Php 1,000
g. Unprovoked Murder and Assault – Php 4,500
h. Natural Death Benefit – Php 4,500
What are the highlighted terms that I need to know about the Kaagapay Program?
Hospital Cash Assitance – 2-day waiting period applies and 1 incident per unit; does not cover pre-existing conditions; 14-day incubation period for hospitalization due to COVID-19
Ambulance Cash Assistance – 1 incident per unit
What professions shall only be entitled to only 50% of the insurance benefits except for Fire and Lightning (cash assistance benefit)?
• Professional racing, professional divers, and/or other professional sports
• Ships crew and/or stevedores
• Aviation crew
• Military service, armed forces, and police personnel
• Elective positions (e.g. Mayor, Brgy. Captain, Congressman, etc.
What is the motorcycling benefit?
The motorcycling coverage refers to Accidental Death due to Motorcycling. Important po na dapat nakasuot ng safety gear ang driver, may lisensya, at hindi ginamit ang motor for racing.
Kung ikaw ay pasahero ng motor, covered pa din po kayo ng motorcycling benefit ng Lockton Kaagapay Program. Kailangan lang po nakasuot ng proper safety gear at hindi ginagamit sa racing ang motor nung mangyari ang aksidente
Tandaan na basahin ang Terms and Conditions ng inyong policy for additional information.
Madaling Kumuha ng Kaagapay Program
Madali para sa miyembro ng Pag-IBIG Fund na kumuha ng Lockton Kaagapay Program. Internet connection at cellphone o computer lang ang kailangan.
Pag-IBIG P1 & MP2 Dividend Rates for 2021
May bunga ang Pag-IBIG mo! Get kilig sa DIVIDEND REVEAL sa February 24!
Abangan dito sa Pag-IBIG Fund (HDMF) Facebook Page ang livestream ng 2021 Pag-IBIG Fund Chairman's Report. Sama-sama nating alamin ang performance ng Pag-IBIG Fund, kabilang ang dividend rates para sa Pag-IBIG Regular Savings at MP2 para sa taong 2021. Dividends will be credited to members' account by the second quarter of 2022 kaya STAY TUNED tayong lahat!
How to Contribute to Pag-IBIG MP2 via GCash
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How To Create Virtual Pag-IBIG Account?
How to Create a Virtual Pag-IBIG Account Online
For Loyalty Card Plus holders: How to Create a Virtual Pag-IBIG Account
Monday, February 21, 2022
Modified Pag-IBIG 2 Savings (MP2) - Frequently Asked Questions
Modified Pag-IBIG 2 - Frequently Asked Questions
What is Pag-IBIG Fund MP2 Savings Program?
The Modified Pag-IBIG II (Pag-IBIG MP2) Savings Program is a special voluntary savings facility with a 5-year maturity, designed for active Pag-IBIG Fund members who wish to save more and earn higher dividends, in addition to their Pag-IBIG Regular Savings.
What Are The KEY Features of the MP2 Savings Program?
Here are its Key Features:
- Easy to save as members can save for only a minimum of P500 per remittance.
- Earns higher dividends than the Pag-IBIG Regular Savings
- Dividends are tax-free and can be withdrawn annually or after the 5-year maturity
- MP2 Savings are government-guaranteed.
Who Can Save Under MP2?
The MP2 Savings is open to active* Pag-IBIG Fund members.
It is also open to:
- Former Pag-IBIG Fund members (pensioners and retirees) with other sources of monthly income, regardless of age, and with at least 24 monthly savings prior to retirement.
- Natural Born Filipinos, who reacquired their Filipino Citizenship pursuant to RA 9225 or the Citizenship Retention and Reacquisition Act of 2003, with at least 24 monthly savings prior to permanent migration to another country.
*members with at least one (1) monthly savings (contribution) within the last six (6) months.
How Can I Open an MP2 Savings Account?
- You can open an MP2 Savings account safely and conveniently, Online via Virtual Pag-IBIG. Once you are issued an MP2 Savings account number, you can start saving!
- You may also opt to open an MP2 Savings account at any Pag-IBIG Fund branch by accomplishing and submitting the MP2 Savings Enrolment Form, which you may download by clicking PFF226_ModifiedPagIBIGIIEnrollmentForm_V05.pdf (pagibigfund.gov.ph)
Is There a Minimum Amount that Should I Can Save in the MP2 Savings?
Yes. The minimum MP2 savings is PhP500 per remittance.
Can I Remit a One-Time Lump Sum Amount for the MP2 Savings 5-Year Period?
Yes. You may choose to remit a one-time lump sum amount for the whole 5-year period of your MP2 Savings.
Is There a Limit to the Amount that I Can Save?
There is no limit. You can save as much as you want under MP2. However, should you make a one-time savings that exceeds P500,000.00, you shall be required to make such remittance via personal or Manager’s Check.
Also, members with MP2 Savings of above P100,000.00 shall be required to submit proof of income or source/s of funds, based on the checklist found in the MP2 Savings Enrolment Form, which you may download by clicking: PFF226_ModifiedPagIBIGIIEnrollmentForm_V05.pdf (pagibigfund.gov.ph)
How Do I Save Under MP2?
You may regularly save a minimum amount of PhP500 every month in your MP2 Savings Account. You may also opt for a one-time savings of a higher amount.
Here are the many ways you can save in the MP2
- Salary deduction, for those who are employed. Save in the MP2 through your employer who may deduct from your salary your monthly MP2 Savings which they shall then remitto Pag-IBIG Fund.
- Online remittance, via:
- Virtual Pag-IBIG at www.pagibigfundservices.com/virtualpagibig using your PayMaya eWallet, GCash eWallet or any debit or credit card powered by Visa, Mastercard or JCB,
- Authorized online payment channels which include:
- GCash
- Moneygment App via Cashpinas
- Coins.ph via Bayad
- PayMaya
- Over-the-counter (OTC) remittance, at:
- Any Pag-IBIG Fund branch
- Authorized collecting partners’ outlets or branches here in the Philippines, which include
- Asia United Bank
- Robinsons Bank
- United Coconut Planters’ Bank
- SM Business Centers
- Bayad
- M. Lhuillier
- ECPay accredited merchants
- Authorized collecting partners’ outlets or branches overseas, which include
- Philippine National Bank
- Asia United Bank
- IRemit powered merchants
- Ventaja powered merchants
- Cashpinas powered merchants
Can I Open More than One (1) MP2 Savings Account?
Yes. You are allowed to open and maintain multiple MP2 Savings Accounts.
How Much Dividends Will my Savings Earn?
Your MP2 savings earn tax-free dividends, at a rate higher than the dividend rate of the Pag-IBIG Fund Regular Savings Program.
Pag-IBIG Fund sets aside at least seventy percent (70%) of its annual net income and credits it proportionately to its members’ Pag-IBIG Savings as dividends. This means that the more you save, the higher dividends you shall earn.
In 2020, despite the challenges of the pandemic to our economy, the MP2 Savings earned a dividend rate of 6.12%. In 2021 MP2 Savings earned a dividend rate of 6.00%.
Can I View my MP2 Savings Records Online?
- Yes! You can view your MP2 Savings online, via Virtual Pag-IBIG. Simply create your Virtual Pag-IBIG account for you to view your MP2 Savings, including the annual dividends you have.
Where Does Pag-IBIG Fund Invest my Money?
Pag-IBIG Fund invests at least 70% of its investible funds in housing finance, as required by its Charter. It also invests in government securities and corporate bonds.
When can I Receive my MP2 Dividends?
You can choose to receive your MP2 Dividends through any of the following options:
- Upon full withdrawal of your MP2 Savings after its 5-year maturity period with your MP2 Dividends compounded annually;
- Through annual pay-out with your MP2 Dividends credited to your savings or checking account enrolled in any of Pag-IBIG Fund accredited banks, such as the Land Bank of the Philippines (LBP), Development Bank of the Philippines (DBP), or other banks that the Pag-IBIG Fund may accredit in the future. For members who opt for annual dividend payout but have no Philippine bank account, especially in the case of overseas members, MP2 Dividends shall be released to them in the form of checks.
- For members who opt for an annual dividend payout but have no Philippine bank account, such as in the case of overseas members, their MP2 Savings Dividends shall be released via check.
Can I Change my Dividend Payout Mode Before the Maturity of my MP2 Savings?
- No. The dividend payout mode you choose upon your MP2 Savings application is fixed and shall be your payout mode during the 5-year savings period. You may, however, open another MP2 Savings account where you can choose your preferred dividend payout mode.
Are my MP2 Savings Guaranteed?
Yes, MP2 Savings are government-guaranteed. However, the annual dividends, may vary depending on several factors, such as Pag-IBIG Fund’s financial performance.
Can I Claim my MP2 Savings?
- You may now claim your MP2 Savings after its 5-year maturity, online, via the Virtual Pag-IBIG. Just visit Virtual Pag-IBIG by clicking here!
- You may also opt to claim your MP2 Savings over-the-counter. Download and accomplish the Application for Provident Benefits (APB) form by started here, and submit it to the nearest Pag-IBIG Fund branch.
What Dividend Rate will my MP2 Savings Have for its 5th and Final Year, When It Matures Before the Dividend Rate For That Year Is Determined?
The dividend rate for your MP2 Savings on its 5th and final year shall be the dividend rate declared from the previous year or the latest available declared dividend rate. This shall allow you to earn dividends on your MP2 Savings for its entire 5-year period.
What Will Happen to my MP2 Savings If It Is Not Claimed After Matures?
MP2 savings which are unclaimed after its 5-year maturity will stop earning dividends under the MP2 Savings rate. It will however, keep earning dividends, based on the dividend rate of the Pag-IBIG Regular Savings for the next 2 years. After which, it shall stop earning dividends.
Can I Withdraw my MP2 Savings Before It's 5-Year Maturity?
Yes. You may pre-terminate and withdraw your MP2 Savings prior to its 5-year maturity, based on the following reasons:
- For active Pag-IBIG members:
- Total disability or insanity
- Termination from employment due to health reasons
- Retirement
- Permanent migration to another country
- Unemployment due to layoff or company closure
- OFW repatriation from the host country
- Death of the MP2 account holder, with the MP2 Savings to be received by the member’s beneficiaries
- Critical illness of the MP2 account holder or an immediate family member, certified by a licensed physician, and subject to approval by Pag-IBIG Fund
- Other meritorious grounds as may be approved by the Pag-IBIG Fund Board of Trustees
- For Retirees and/or Pensioners:
- Total disability or insanity
- Death of the MP2 account holder, with the MP2 Savings to be received by the member’s beneficiaries
- Critical illness of the MP2 account holder or an immediate family member, certified by a licensed physician, and subject to approval by Pag-IBIG Fund
- Other meritorious grounds as may be approved by the Pag-IBIG Fund Board of Trustees
- For members with compounded dividend payout on their MP2 Savings
- Principal MP2 Savings;
- 50% of the total dividends earned from prior years; and
- 50% of the dividends for the current year, which shall be released after the dividends for the said year have been declared and credited.
- For MP2 Savings with annual dividend payouts
- Principal MP2 Savings, with 50% of the total dividends received from prior years to be deducted from proceeds; and
- 50% of the dividends for the current year, which shall be released after the dividends for the said year have been declared and credited.
Can I Re-apply for a new MP2 Savings Account Once my MP2 Savings Matures?
Yes. Once your MP2 Savings reach the 5-year maturity period, you may re-apply for a new MP2 Savings Account.
You may claim your MP2 Savings anytime upon maturity. If unclaimed, your MP2 Savings shall continue to earn dividends for two more years based on the dividend rates of the Pag-IBIG Fund Regular Savings Program. After the said period, it shall no longer earn dividends, and must be withdrawn or claimed.
Where Can I Read More About the MP2 Savings Program?
To know more about the MP2 Savings Program, you may download Pag-IBIG Fund Circular No. 407, Amended Guidelines on the Modified Pag-IBIG II (MP2) Membership Program by clicking here. AMENDED GUIDELINES FOR MODIFIED Pag-IBIG II (MP2) MEMBERSHIP PROGRAM.
MP2 (Modified Pag-IBIG 2) Savings
HERE IS HOW YOUR MP2 MAY GROW!
*based on a 7.5% dividend rate
FOR PHP500 MONTHLY SAVINGS
| Annual Dividend Payout | |||||
| Month Covered | Monthly Savings (MS) | Accumulated MS per year | Cumulative Savings | Annual Dividend Payout | Total Accumulated Value TAV) |
| Jan-Dec 2020 | 500.00 | 6,000.00 | 6,000.00 | 243.75 | 6,000.00 |
| Jan-Dec 2021 | 500.00 | 6,000.00 | 12,000.00 | 693.75 | 12,000.00 |
| Jan-Dec 2022 | 500.00 | 6,000.00 | 18,000.00 | 1,143.75 | 18,000.00 |
| Jan-Dec 2023 | 500.00 | 6,000.00 | 24,000.00 | 1,593.75 | 24,000.00 |
| Jan-Dec 2024 | 500.00 | 6,000.00 | 30,000.00 | 2,043.75 | 30,000.00 |
| TOTAL | - | 30,000.00 | - | 5,718.75 | 30,000.00 |
| Compounded Savings | |||||
| Month Covered | Monthly Savings (MS) | Accumulated MS per year | Cumulative Savings | Dividend Amount | Total Accumulated Value TAV) |
| Jan-Dec 2020 | 500.00 | 6,000.00 | 6,000.00 | 243.75 | 6,243.75 |
| Jan-Dec 2021 | 500.00 | 6,000.00 | 12,243.75 | 712.03 | 12,955.78 |
| Jan-Dec 2022 | 500.00 | 6,000.00 | 18,955.78 | 1,215.43 | 20,171.21 |
| Jan-Dec 2023 | 500.00 | 6,000.00 | 26,171.21 | 1,756.59 | 27,927.81 |
| Jan-Dec 2024 | 500.00 | 6,000.00 | 33,927.81 | 2,338.34 | 36,266.14 |
| TOTAL | - | 30,000.00 | - | 6,266.14 | 36,266.14 |
PHP1,000 MONTHLY SAVINGS
| Annual Dividend Payout | |||||
| Month Covered | Monthly Savings (MS) | Accumulated MS per year | Cumulative Savings | Annual Dividend Payout | Total Accumulated Value TAV) |
| Jan-Dec 2020 | 1,000.00 | 12,000.00 | 12,000.00 | 487.50 | 12,000.00 |
| Jan-Dec 2021 | 1,000.00 | 12,000.00 | 24,000.00 | 1,387.50 | 24,000.00 |
| Jan-Dec 2022 | 1,000.00 | 12,000.00 | 36,000.00 | 2,287.50 | 36,000.00 |
| Jan-Dec 2023 | 1,000.00 | 12,000.00 | 48,000.00 | 3,187.50 | 48,000.00 |
| Jan-Dec 2024 | 1,000.00 | 12,000.00 | 60,000.00 | 4,087.50 | 60,000.00 |
| TOTAL | - | 60,000.00 | - | 11,437.50 | 60,000.00 |
| Compounded Savings | |||||
| Month Covered | Monthly Savings (MS) | Accumulated MS per year | Cumulative Savings | Dividend Amount | Total Accumulated Value TAV) |
| Jan-Dec 2020 | 1,000.00 | 12,000.00 | 12,000.00 | 487.50 | 12,487.50 |
| Jan-Dec 2021 | 1,000.00 | 12,000.00 | 24,487.50 | 1,424.06 | 25,911.56 |
| Jan-Dec 2022 | 1,000.00 | 12,000.00 | 37,911.56 | 2,430.87 | 40,342.43 |
| Jan-Dec 2023 | 1,000.00 | 12,000.00 | 52,342.43 | 3,513.18 | 55,855.61 |
| Jan-Dec 2024 | 1,000.00 | 12,000.00 | 67,855.61 | 4,676.67 | 72,532.28 |
| TOTAL | - | 60,000.00 | - | 12,532.28 | 72,532.28 |
PHP1MILLION (ONE-TIME SAVINGS)
| Annual Dividend Payout | |||||
| Month Covered | Monthly Savings (MS) | Accumulated MS per year | Cumulative Savings | Annual Dividend Payout | Total Accumulated Value TAV) |
| Jan-Dec 2020 | 1,000,000.00 | 1,000,000.00 | 1,000,000.00 | 75,000.00 | 1,000,000.00 |
| Jan-Dec 2021 | 0.00 | 0.00 | 1,000,000.00 | 75,000.00 | 1,000,000.00 |
| Jan-Dec 2022 | 0.00 | 0.00 | 1,000,000.00 | 75,000.00 | 1,000,000.00 |
| Jan-Dec 2023 | 0.00 | 0.00 | 1,000,000.00 | 75,000.00 | 1,000,000.00 |
| Jan-Dec 2024 | 0.00 | 0.00 | 1,000,000.00 | 75,000.00 | 1,000,000.00 |
| TOTAL | - | 1,000,000.00 | - | 375,000.00 | 1,000,000.00 |
| Compounded Savings | |||||
| Month Covered | Monthly Savings (MS) | Accumulated MS per year | Cumulative Savings | Dividend Amount | Total Accumulated Value TAV) |
| Jan-Dec 2020 | 1,000,000.00 | 1,000,000.00 | 1,000,000.00 | 75,000.00 | 1,075,000.00 |
| Jan-Dec 2021 | 0.00 | 0.00 | 1,075,000.00 | 80,625.00 | 1,155,625.00 |
| Jan-Dec 2022 | 0.00 | 0.00 | 1,155,625.00 | 86,671.88 | 1,242,296.88 |
| Jan-Dec 2023 | 0.00 | 0.00 | 1,242,296.88 | 93,172.27 | 1,335,469.14 |
| Jan-Dec 2024 | 0.00 | 0.00 | 1,335,469.14 | 100,160.19 | 1,435,629.33 |
| TOTAL | - | 1,000,000.00 | - | 435,629.33 | 1,435,629.33 |
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