The Home Development Mutual Fund, commonly known as the Pag-IBIG Fund, is a government-owned and controlled corporation under the Department of Human Settlements and Urban Development of the Philippines responsible for the administration of the national savings program and affordable shelter financing for Filipinos. [mfn] Pag-IBIG Fund [/mfn]
In this blog, I am sharing you my experience on how I opened my virtual Pag-IBIG account. In my case, I am an Overseas Filipino Worker (OFW) based in Dubai and it has been long time since I paid my contributions – my last contribution was paid last 2019.
Nowadays, being able to access everything online is very important, not only that it is accessible but also it saves time as you don’t need to go to their branch anymore and fall in long queues.
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.
Through accessing your virtual Pag-IBIG account, you will be able to:
- Safely and conveniently access Pag-IBIG Fund’s services anytime and anywhere using your smartphone or computer with internet connection;
- Use it even when Pag-IBIG offices are closed after office hours, on weekends, and on holidays;
- Monitor your Pag-IBIG regular and MP2 savings records including annual dividends earned;
- Access your account easily, especially if you are an Overseas Filipino Workers (OFWs) like me; 🙂
- Save time since you won’t have to wait in line for hours in a Pag-IBIG branch;
- 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; and,
- Real-time chat facility for inquiries and concerns about your Pag-IBIG membership.
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.
For now, I’m going to show you ‘Account Creation for OFWs’.
How to Create an OFW Virtual Pag-IBIG Account
Overseas Filipinos currently working abroad, like us, can now open an account online on Virtual Pag-IBIG.
- 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.
How if I don’t have active contributions?
1. First, you need to reactivate your account by accomplishing the Completion Form as shown below. I got this from a Pag-IBIG representative by directly sending them an email inquiring for reactivation.
I can also share the file with you! Just send a request on our email at lifemagblog@gmail.com. We’ll be more than happy to assist!
Here are the contact details of Pag-IBIG Representative in Dubai, UAE:
POP Dubai Satellite Office: popdubai@pagibigfund.gov.ph
Mobile Number (Also available in WhatsApp): +971-567285143
Telephone Office Number: +971-42207221
2. After accomplishing the form and filling it out completely with the required details, you may send it the POP Satellite Office Email ( popdubai@pagibigfund.gov.ph ) together with a clear copy of your Passport and the most recent payment receipt.
You heard that correctly, and yes! You need to pay your monthly contribution for a minimum amount of Php 100.
You can pay your Pag-IBIG monthly contributions in several different ways:
- By using your Mastercard or Visa credit card, you may pay using the Pag-IBIG Online Payment Facility;
- Pay by PayMaya, just login to Pag-IBIG website and go to “E-Services”, select “Online Payment Facility” and provide the required details;
- OFWs, like us, may also remit contributions abroad through AUB and PNB branches in your country of employment; or,
- Pay via over-the-counter in different payment branches such as Bayad Center, SM Business Center, M.Lhuillier, and etcetera.
3. After sending all the required documents to the Pag-Ibig Officer (Accomplished Completion Form, Passport and copy of payment receipt), it will take around 2 – 3 days for them to activate your account due to the huge volume of emails they’re receiving daily. Then, you will receive an Official email from Pag-IBIG that you are now able to access your virtual Pag-IBIG account.
Thumbs up to Ms. Lowella Recto, Information Officer in Pag-IBIG Dubai Satellite Office, and she was very helpful all through out the process! 🙂
How if I don’t know who is the authorized Pag-IBIG representative on my country of residence?
You may ask your local Philippine Consulate/ Embassy to know the contact details of their Pag-IBIG representative. Otherwise, you may call their hotline:
Pag-IBIG FUND HOTLINE
8-724-4244 (8-Pag-IBIG) – 24/7 Call Center operation
Email: ofwcenter@pagibigfund.gov.ph & ofwcontactus@pagibigfund.gov.ph
Conclusion
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.
On my next blog, I will also be sharing my wonderful journey with Pag-IBIG II (MP2) Program as everything now is online and totally no hassle. This service is an additional and voluntary five (5) year savings facility being offered by HDMF to its Pag-IBIG I members, hoping to help our fellow OFWs.
I would love to hear from you!
How was your Pag-IBIG journey? I would be more than happy to know your experience with this Government Saving Facility even about housing and other personal loan.
“It is never too early to encourage long-term savings.”
R. L.
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I’m glad to know that you can pretty much do everything online. I need to learn more about their investment fund.