Home Development Mutual Fund/Pag-IBIG Fund(HDMF)

We are helping our clients with verifying eligibility for Pag-IBIG housing loans. Is there a way for us to get update on status of an individuals' membership and historical data on contributions to allow us to assess eligibility for housing loan?

20 September 2023

Dear MR. JAN ALVIN L. PABELLON,

This refers to your eFOI request received on 03 September 2023 sent via the eFOI portal of the Home Development Mutual Fund (Fund). In your request, you are seeking clarification on whether it is possible for you to verify the membership contributions/savings of your clients who are interested in availing a Housing Loan (HL) with the Fund.

Kindly be informed that Section 3 of Executive Order No. 2, series of 2016 (Executive Order) grants every Filipino citizen the right to access information, official records, public records and to documents and papers pertaining to official acts, transactions or decisions, as well as to government research data used as basis for policy development. 

In accordance with the aforementioned Executive Order, the Pag-IBIG Fund People’s Freedom of Information Manual (Manual) also states that “Information for Disclosure” includes: information promoting the awareness and understanding of policies, programs, activities, rules or regulations affecting the public, government agencies, and the community and economy (Section 2 of the Manual). 

Considering that you did not request for any information, official records, public records and to documents and papers pertaining to official acts, transactions or decisions, as well as to government research data used as basis for policy development, we are constrained to deny your request.

Nonetheless, please be informed that in order for us to proceed with your inquiry, it is imperative that you must have a valid authorization letter from said members. Thereafter, you may visit the nearest Pag-IBIG Fund Branch for the verification of the requested information.

For your reference, please be advised that the Pag-IBIG Fund Housing Loan allows you to borrow up to P6 million under very low rates and at the friendliest terms, to help you fulfill your dream of owning a home. The amount that a member may borrow, however, shall be based on the lowest of the following:
(1)	Actual need;
(2)	Desired amount;
(3)	Loanable amount based on capacity to pay; and
(4)	Loan-to-appraised value ratio.

For details and complete information on the Pag-IBIG Fund Housing Loan, please click on the quick link provided below:

https://www.pagibigfund.gov.ph/Availmentofnewloan.html 
https://www.pagibigfund.gov.ph/FAQ_HL.html

In compliance with Section 6.6.1 of the Anti-Red Tape Authority (ARTA) Memorandum Circular No. 2019-002, series of 2019 entitled Guidelines on the Implementation of the Citizen’s Charter in Compliance with Republic Act 11032, otherwise known as the “Ease of Doing Business and Efficient Government Service Delivery Act of 2018,” and Its Implementing Rules and Regulations, may we kindly request your thoughts or feedback on how we can improve your experience by filling out the Feedback Form in this link: https://forms.office.com/r/A652CzriXW

Thank you.

 eFOI Receiving Officer