How to Process PAG-IBIG Housing Loan

January 30, 2016
The government wants to provide a comfortable housing for all Filipinos. This was the main motive why PAG-IBIG was established. This is to ensure that even Filipinos with lower income will be able to provide comfortable housing for their families. However, many Filipinos find it hard to understand how PAG-IBIG works especially on how to process loans and what are the requirements to avail of its benefits. Here are some helpful ideas to guide you with your desire to build a house of your own.


The amount of your PAG-IBIG Housing Loan will depend on the amount of your monthly income. You will have to pay at least 200 pesos per month monthly contribution to avail of up to 500,000 loan. If you want a higher loanable amount, then you have to pay a higher monthly contribution. Other than this, you have to be a member of PAG-IBIG for two years to avail of a housing loan and have paid for two consecutive years. If there is a situation that you have paid for two year but stopped and you wanted to avail with a loan, then you have to update your payments covering the months that you have not paid your premiums. However, you have to wait within 12 to 24 months to avail of the loan as per recent ruling.

The loanable amount will also depend on your net disposable income. PAG-IBIG has a rule that your monthly amortization should not be less than 40% of your net disposable income. So you have to determine your net disposable income first before you avail of the loan in your dream home.

There is also another thing to take note of. You should not be more than 70 years old at the maturity of the loan and no pending foreclosed housing loan nor arrears in Multi-purpose loan is pending.

There are six simple steps to process your Housing loan.


First, you have to attend an orientation or Loan Counseling Session on a PAG-IBIG office near you. This will allow you to know the basic requirements and details on your application.

Second you need to fill-up some documents like Preliminary Counselling Questionnaire, Membership Status Verification Slip (MSVS) and Housing Loan Application. The MSVS is very important because it contains the status of your membership of PAG-IBIG and what problems you may have with your status that needs to be addressed.

If you qualify for a loan, they will give you a list of requirements. The HLA is to be filled-up after you know that your loan will be approved.

Third, submit the requirements together with your loan application form. Be sure to have all the requirements to avoid delays in your approval of the loan. There is a processing fee of usually 1000 pesos upon loan application that is non-refundable.

Fourth, you have to wait for loan approval. The approval will be based on the compliance of your documents and the continued payment of your premiums. If there is no action, follow-up with your loan status if needed.

Sixth, you have to comply with the Bureau of Internal Revenue and Register of Deeds for documentary stamps, capital gains tax, and have the Register of Deeds annotate the title of the land with mortgage. Remember, you are making as collateral the property you are building your house with for the loan.

Lastly, when everything works out, get the loan proceeds but you should show the documents with TCT in your name, Deed of Absolute Sale, New Tax Declaration in your name and Updated Real Estate Tax, Occupancy Permit and Assignment of Loan Proceeds.

In order to avail of every opportunity that PAG-IBIG is offering you, update your membership as early as you can so that when you are ready to build your home, you will be approved with the housing loan.

Source: Pag-ibig Housing, 2010, http://www.pagibigfinancing.com/articles/2010/the-pag-ibig-housing-loan-process/

SSS Online Registration

January 23, 2016
SSS is enhancing its facilities and introducing new programs to further improve its service delivery. One of these service delivery channels is the SSS Website and its various online services. To access My.SSS, individual or corporate members must register for their own username and password, which shall be issued by the SSS.


How to Register SSS Account Online

In order to register you’ll need the following beside you, your SSS Number, latest SSS payment receipt, Email address and of course your personal info. Now if you have all the requirements, follow these simple steps.

NOTE: To make SSS online registration successful, it is recommended to use Internet Explorer browser while registering or follow this tip if you want use unsupported browsers.
  • Go to SSS Website (www.sss.gov.ph) 
  • On the right side of the screen, click the button with the label "Click here" under Not yet registered in My.SSS? (See screenshot) and make sure that you are in Member section not Employer.SSS Online registration
  • Fill out the SSS online member registration form with all the correct details. Make sure that you can open the email address you provide in this form. Enter the verification code below and double check again all the entries before clicking submit.SSS Online registration 2
  • When you click submit, a small verification window will popup, click "Ok" to confirm.SSS Online
  • After clicking OK, a confirmation message will appear like the screenshots below, if you're using Goolge Chrome or other unsupported browsers you will not see the message.Register SSS Account Online
  • Now, go to the email that you provide and look for "SSS Website Email Validation".How Check SSS Contribution Online
  • Open the email then click the link inside to proceed the registration. If you encounter a problem while opening the link, you can copy the link and open it using a different browser like Mozilla.How to Check SSS Contribution Online
  • Add the required information in the SSS online member registration form and make sure that you are providing the correct information. You can use the following info if you're Self-employed, Voluntary member, OFW, Househelper, and Non-working spouse:
    • If mode of payment is OTC or over-the-counter at SSS branch, type the 8-digit following the T# (eg: T#15000052)
    • If you are paying at the bank, type the 6-digit SBR No. (Special Bank Receipt No.)
    • If you’re paying through SM Bayad Center, Remittance Center or I-Remit, Western Union, type the 6-digit OTC Validation Number
    • If you’re paying SSS by ADA (Auto-debit Arrangement) type 6 zeros (000000) in the SBR No./OTC box
    • If you have problem finding the Receipt No./OTC in bayad centers receipt, use this instruction.
    • How to Check SSS Online
    • If Employed, ask your employer for SSS employer ID, select employed then enter the SS Employer ID in the space provided.
  • Double check everything and don't forget to accept the Terms and Condition by ticking the checkbox beside it then click "Submit" button.
  • If no errors in your form after you hit the submit button, a confirmation will appear informing you that you have successfully submitted your registration application to SSS for validation. Something like this.Check SSS Contribution Online
  • If the registration is successful you will receive a confirmation email from SSS with your Username and Password like the screenshot below.SSS Confirmation email
If you receive your username and password you can now check your SSS monthly contribution, loan balances, employment history, static info and other SSS online services. You can follow this instruction how to view or check SSS contribution online.

NOTE: Recently, users are complaining that they cannot register using 6 Digit OTC validation number from Bayad Centers. If you are experiencing this problem, please make sure that you only entered the last 6 digits, see here how to find the SSS receipt number in Bayad Center receipt.
This article first appear at efrennolasco.com

Complete List of CSC Regional Offices and Field Offices

January 20, 2016
If you are planing to take the Civil Service exam this year, the application for the first batch that will take exam this coming April 17, 2016 already started. It is a first come first serve basis and the registration will end on February 25.

Even it is not the end of registration if it is full they will not accept applicant for examination. Although there is another batch on October if you can't wait that long better to hurry and visit the nearest Civil Service Commission (CSC) office or field office in your place.

Don't forget to bring the document requirements for Civil Service examination, to make it easy and hassle free when you visit the CSC office.



If you don't know the nearest regional or field office in your place, you can check in the table below the complete list of CSC Regional offices and the field offices of every region, you can also contact them in the contact numbers and email address provided.

List of CSC Regional Offices and Field Offices

Region 1 

Quezon Avenue., San Fernando City, La Union 2500
Tel. # (072)700-5639, Fax # (072)700-5626,
Email: [email protected]

Field Office
Address
Tel No.
Email
 Ilocos Sur
Zone 5, Bantay, Ilocos Sur
 (077) 772-2380
Ilocos Norte
MNo. 7 Giron St. Laoag City
 (077) 670-0357
La Union
Aguila Road,
San Fernando City, La Union
(072) 700-5763
Lingayen, Pangasinan
Provincial Capitol Compound
Lingayen, Pangasinan 
 (075) 529-9394
Urdaneta, Pangasinan
Alexander St., Urdaneta City, Pangasinan
 (075) 204-0143 

Region 2

San Gabriel, Tuguegarao, Cagayan 3500
Tel. # (078) 844-3605 / (078) 844-5352, Fax # (078) 396-1321
Email: [email protected]

Field Office
Address
Tel No.
Email
Cagayan-Batanes
Regional Government Center, Carig, Tuguegarao City
 (078) 396-0654
Isabela
Alibagu, Ilagan, Isabela 
(078) 323-0575
Nueva Vizcaya-Quirino
Capitol Site,  Bayombong, Nueva Vizcaya
 (078) 392-0270
Quirino
Quirino State University Campus, Diffun, Quirino
 (078) 694-7060

Region 3

Diosdado Macapagal Government Center Maimpis, City of San Fernando, Pampanga 2000
Tel. # (045) 455-3242 Telefax # (045) 455-3241
Email: [email protected]


Field Office
Address
Tel No.
Email

Aurora

Provincial Capitol Compound  Barangay Suklayin, Baler, 3200 Aurora

(0920) 613-2224

[email protected]

Bataan 

Provincial Capitol Compound, Balanga,  2100 Bataan 

(047) 791-4707

[email protected]

Bulacan

Provincial Capitol Compound,  City of Malolos, 3000 Bulacan

 (044) 791-4707 

[email protected]

Nueva Ecija

Old Provincial Capitol Compound  Cabanatuan City, 3100 Nueva Ecija 

(044) 463-4666 

[email protected]

Pampanga 

Provincial Capitol Compound, Sto. Niño  City of San Fernando, 2000 Pampanga 

 (045) 961-3741

[email protected]

Tarlac

Romulo Blvd., San Vicente,  2300 Tarlac City 

 (045) 982-0455

[email protected]

Zambales

Balili, Iba, 2201 Zambales

(047) 811-1007

[email protected]

Region 4

139 Panay Avenue Brgy. South Triangle,Quezon City 1103
Tel. # (02) 927-1830 / (02) 920-9987

Field Office
Address
Tel No.
Email
Batangas
Kumintang Ibaba, Batangas City
(043) 723-8294
Cavite 
Palico IV, Imus, Cavite
(046) 471-9288
Laguna 
Provincial Capitol Compound, Sta. Cruz, Laguna
(049) 501-3324 
Marinduque
Provincial Capitol Compound
Boac, Marinduque 
(042) 332-2539
(042) 926-4450 
Occidental Mindoro
Provincial Capitol Compound
Mamburao, Occidental Mindoro 
 (043) 711-7957
Oriental Mindoro 
Provincial Capitol Compound, Calapan City
(043) 286-7019
 Palawan
PEO Compound, Bancao-Bancao
Puerto Princesa City
(048) 434-6344
 Quezon 
Provincial Capitol Compound, Lucena City
(042) 710-5905
Rizal
Old Municipal Hall Taytay, Rizal 
 (02) 212-5388 
Romblon 
San Agustin, Romblon
0920-894-2957

Region 5

Rawis, Legazpi City 4500
Tel. # (052) 742-0749 / (052) 482-0699
Fax # (052) 482-0695
Email: [email protected], [email protected]

Field Office
Address
Tel No.
Email
Albay
BU Compound, Legazpi City
(052) 480-2332
Camarines Norte
Camambugan, Daet, Camarines Norte
 (054) 440-0695
Camarines Sur 
Provincial Capitol Building
San Jose, Pili, Camarines Sur
 (054) 475-3429
Masbate
Municipal Road, Masbate City
 (054) 333-4141
Sorsogon
Provincial Capitol Compound
Sorsogon, Sorsogon
(056) 421-5845
Catanduanes
Virac, Catanduanes
(052)811-3169

Region 6

No. 7 Onate St., Mandurriao, Iloilo City 5000
Tel. # (033) 321-2668 to 69
Fax # (033) 321-2667
Email: [email protected]

Field Office
Address
Tel No.
Email
Aklan
3/F Administration Building, College of Industrial Technology,
Aklan State University, Roxas Avenue Ext., 5600 Kalibo, Aklan
(036) 268-5797
Antique
CSC Building, 5713 Sibalom, Antique
(036) 543-8073
Capiz
Capiz Provincial Capitol, 5800 Roxas City, Capiz
(036) 621-4989
Guimaras
Guimaras Provincial Capitol, 5045 Jordan, Guimaras

Iloilo
Pepita Aquino Avenue, 5000 Iloilo City
(033) 337-3337
Negros Occidental
Provincial Administrative Center, Aguinaldo St.,
6100 Bacolod City
(034) 708-8184

Region 7

Sudlon, Lahug, Cebu City 6000
Tel.# (032) 414-7676 / (032) 414-7488 (032) 253-9050
Email: [email protected]

Field Office
Address
Tel No.
Email
Cebu North
2nd Flr. BAEX Building, Capitol Area, Cebu City
(032) 416-5770
Cebu South
2nd Flr. BAEX Building, Capitol Area, Cebu City
(032) 416-4498
Bohol
Circumferential Road Dampas District, Tagbilaran City
(035) 377-2037
Negros Oriental
Daro St., Dumaguete City
(035) 420-5002
Siquijor
Capitol Building, Siquijor
(035) 377-2037

Region 8

Government Center, Palo, Leyte 6501
Tel. # (053) 323-2962 / (053) 524-9186 / (053) 323-2857 Fax. # (053) 524-9180
Email: [email protected]

Field Office
Address
Tel No.
Email
Northern Samar
Brgy. Dalakit Capitol Site Catarman,
Northern Samar
(055) 500-9125

Southern Leyte
Brgy. Asuncion Capitol Site, Maasin City
 (053)5709085

Western Leyte/Biliran
Capitol Grounds Brgy. Calumpang, Naval Biliran
(053) 500-9220
Leyte
Leyte Academic Center Campetic, Aplo, Leyte
(053) 323-4136
Samar
Arteche Boulevard Catbalogan, City Samar
(055) 560-9290
Eastern Samar
Brgy Alang-alang Borongan Eastern Samar
 (055) 560-9290

Region 9

Cabatangan, Zamboanga City 7000
Tel. # (062) 955-1643 Fax # (062) 955-2765
Email: [email protected], [email protected]

Field Office
Address
Tel No.
Email
Zamboanga City
2/F Bureau of Plant Quarantine,
Port Area Zamboanga City
(062) 993-2942
Zamboanga Del Sur and Zamboanga Sibugay
Provincial Capitol Pagadian City
(062) 215-3017
Zamboanga Del Norte
Zamboanga Del Norte National High School-Main Estaka Dipolog City
(065) 212-3762



Region 10

Vamenta Blvd. Carmen,Cagayan de Oro City 9000
Tel. # (088) 858-7563 / (08822) 71-00-56
Email: [email protected], [email protected]

Field Office
Address
Tel No.
Email
Misamis Oriental
3rd floor, CSC 10 Bldg.
Vamenta Blvd., Carmen,
Cagayan de Oro City
(088) 856-8211
Misamis Occidental
Provincial Capitol Compound,
Oroquieta City
 (088) 531-1280
Bukidnon
DepEd Bldg., Sumpong, Malaybalay City 
 (088) 813-2520
Camiguin
CPSC Compound, Balbagon,
Mambajao, Camiguin
 (088) 387-2100
Lanao del Norte
DepEd City Division,
Aguinaldo St., IliganCity
(063) 221-4065

Region 11

Ecoland Drive, Matina Davao City 8000
Tel. # (082) 299-1727; Fax # (082) 299-3118
Email: [email protected]

Field Office
Address
Tel No.
Email
Compostela Valley
Nabunturan, Compostela Valley Province
 (084) 376-0967
 Davao City
DPWH Compound, Guerrero St.,Davao City
221-5551
Davao del Norte
Government Center, Mankilam, Tagum City
(084) 216-3674
Davao del Sur
DPWH Compound
Lapu-Lapu St., Digos City
(082) 553-4671
 Davao Oriental
Dahican, Davao Oriental
(087) 388-4681

Region 12

Gov. Gutierrez Avenue, Cotabato City 9600
Tel. # (064) 390-1504 / (064) 552-1118 TeleFax # (064) 552-1383
Email: [email protected]

Field Office
Address
Tel No.
Email
Cotabato City
DPWH Cotabato City, DEO Compound
Ramon Rabago St.,
Motorpool, Access Road Cotabato City
 (064) 552-1915
North Cotabato
Provincial Capitol, Amas, Kidapawan City
(064) 278-7028
Sarangani
Provincial Capitol Compound, Alabel, Saranggani Province
(083) 508-2034
South Cotabato
Alunan Avenue,
Koronadal City
(083) 228-1283
Sultan Kudarat
Old Capitol Compound
Isulan, Sultan Kudarat
 (064) 201-4141

CAR

No. 116 Wagner Road, Military Cut-Off Baguio City 2600
Tel. # (074) 443-5981 (074) 443-5982; Telefax # (074) 442-9282
Email: [email protected]

Field Office
Address
Tel No.
Email
Abra
Provincial Capitol Compound,
Bangued, Abra
(074) 752-8198
Baguio City 
Jose Abad Santos Drive, Burnham Park, Baguio City
(074) 424-2659
Benguet
BSU Cmpd. Km. 5, La Trinidad, Benguet
(074) 422-620
Apayao
Provincial Luna, Apayao 
0905-1943099
Kalinga
Government Center, Bulanao
Tabuk City, Kalinga
0905-1943099
Mt. Province
Caluttit, Bontoc Mt. Province
0919-3075372
 Ifugao
Provincial Capitol Lagawe, Ifugao
0919-3075372

CARAGA

Doongan Road, Butuan City 8600
Tel. # (085) 342-6089; Telefax # (085) 815-3370
Email: [email protected], [email protected]

Field Office
Address
Tel No.
Email
Agusan del Norte
DepEd Butuan City Division Compound, Rosal Street, Butuan City
(085) 342-7071 
Agusan del Sur
Government D.O. Plaza Gov't. Center,
Patin-ay, Agusan del Sur 
(085) 343-7309
Surigao del Norte
2/F Surigao Integrated Bus Terminal
Bldg. Brgy. Luna, Surigao City 
 (086) 826-8560 
Surigao del Sur
Capitol Hills, Telaje, Tandag City
(086) 211-3052 

ARMM

ARMM ORG Compound, Cotabato City 9600
Tel. # (064) 552-0512; Fax # (064) 552-1855
Email: [email protected]

Field Office
Address
Tel No.
Email
Cotabato City
ORG Compound, Cotabato City 
 (064) 552-0512
Lanao del Sur/Marawi City 
Marawi City Hall Compound
Bangon, Marawi City

Sulu/Basilan
Jolo, Sulu

 Tawi-tawi
Bongao, Tawi-Tawi

Maguindanao
ORG Compound, Cotabato City
 (064) 552-0512 

NCR 

No. 25 Kaliraya St., Banawe Quezon City
Tel. # 740-8412 / 749-0980 / 781-5864/ 781-5886 / 741-6097
Email: [email protected], [email protected]

Field Office
Address
Tel No.
Email
BIR
Rm. 210, BIR Bldg., Agham Road Diliman, Quezon City
929-7676 loc. 7516/7515 
COA
2/F COA Bldg., Commonwealth Avenue, Quezon City
932-7136

HOR
Basement, South Wing, House of Representatives,
Constitution H8ills, Quezon City
932-6221

DPWH
Mezzanine Floor, DPWH Bldg., Bonifacio Drive Port Area, Manila
304-3292
304-3549 
 BSP 
Rm. 605 EDPC Bldg., BSP Complex,
F. B. Harrison St., Roxas Blvd., Manila 
708-7347
DBP
4/F DBP Bldg., Gil Puyat Ave.
cor Makati Avenue, Makati City
818-9511 loc. 3404

Makati
7/F Building 2, Makati City Hall,
Poblacion, Makati City
870-1794
Manila 
Lions Drive, Arroceros St., Ermita, Manila
310-5289
DFA
3/F DFA Bldg., Roxas Blvd., Pasay City
834-3381/834-4809
PhilSCA
PhilSCA, Villamor Air Base, Pasay City

DILG
23F DILG-NAPOLCOM Center, EDSA cor. Quezon Avenue, Quezon City
929-9622
SSS
10/F SSS Bldg., East Avenue, Diliman, Quezon City
920-6401 loc. 5959
Quezon City Government
5/F High-rise Bldg., Quezon City Hall, Elliptical Road, Diliman, Quezon City
988-4242 loc. 8506
UP
Room 107 G/F NEC Bldg., UP Campus, Diliman, Quezon City
981-8500 loc. 3022
Caloocan City Government
 2/F Caloocan City Hall, A. Mabini St., Caloocan City
288-8811 loc. 2257
DOH
uilding 12, San Lazaro Compound, Rizal Avenue, Sta. Cruz, Manila
781-4329
DND
Camp Gen. Aguinaldo, Boni Serrano St., Quezon City
911-6001 loc. 8212
 DENR
DENR Annex Bldg., Visayas Avenue, Diliman, Quezon City
 929-6626 loc. 2079
DA
G/F DA Bldg., Elliptical Road, Diliman, Quezon City
920-1814
PNP
2/F DPRM Annex Bldg., Camp Crame, Quezon City
723-0401 loc. 3662
Source: CSC
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