How to Consolidate Pag-IBIG Contribution and Records

Every employee must contribute to the Pag-IBIG Fund on a regular basis if they want to take advantage of all the benefits given by the Home Development Mutual Fund (HDMF).

It’s very crucial to check if all of your contributions are showing up in your account because having at least 24 monthly contributions is one of the primary prerequisites for getting a house loan or any other Pag-IBIG loan.


That said, it’s critical to check if you’ve met that criterion, which you can do by accessing the Virtual Pag-IBIG portal and monitoring your payments online.

Related Article: PagIbig Online Registration 2022 | Get Your PagIbig Number

Have you read our previous article on how to create a Virtual Pag-IBIG account? If not, it’s worth checking out here.

What is Pag-IBIG Contributions Consolidation?

It’s quite probable that your Pag-IBIG contributions and records will not appear on your Virtual Pag-IBIG account if you’ve worked for several firms in different regions. This is due to the fact that your records have not yet been consolidated.

The Pag-IBIG Fund’s attempts to consolidate its members’ data, whether from several sources owing to a history of working for various companies or enterprises, into a single destination record are referred to as record consolidation.

Various member record sources are combined or merged into a single member data record throughout this procedure, which will be displayed when you log into your Virtual Pag-IBIG account.

Why Consolidate Pag-IBIG Contributions?

You must seek consolidation of your contribution records if your Virtual Pag-IBIG account does not reflect all Pag-IBIG contributions paid under your name.

PAG-IBIG members may also need to request record consolidation for the following reasons:

  • Having worked for a variety of companies in the past;
  • Having intentions to take out a home equity loan or a personal loan; or,
  • They have inconsistencies in their Pag-IBIG data, particularly in their names.

How to Consolidate Pag-IBIG Fund Contributions Online in 2022?

There are two ways to consolidate your Pag-IBIG records. The first way is to do it online by sending the required documents to the official Pag-IBIG email address. Another way is to visit a Pag-IBIG branch near you.

Online Consolidation

One approach to combine your Pag-IBIG contribution record is to do it online by providing the documented requirements to, the Pag-IBIG Contact Center’s email address.

If you choose to do it online, you will need the following documents:

Complete the form downloaded. You need fill in your information such as the following:

  • Full Name
  • Member ID Number (MID No.)
  • Civil Status
  • Contact Details
  • Current employment information
  • Purpose for consolidation
  • Receiving branch where you want the record consolidated
  • List of previous employers along with their business information in this format: Month – Year : Company Name: Main Address

You may want to check the nearest Pag-IBIG branch to you here.

For OFWs, you can check the office near you here.

Pag-IBIG only accepts the following ID cards when processing your records for consolidation:

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Barangay Certification or Barangay IDs or similar documents bearing picture of the member
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) Card
  • Senior Citizen Card
  • Overseas Workers Welfare Administration (OWWA) ID
  • Overseas Filipino Worker ID
  • Seaman’s Book or Seafarer’s Identification and Record Book (SIRB)
  • Alien Certification of Registration/Immigrant Certificate of Registration
  • Government Office and GOCC ID, e.g. AFD ID, Pag-IBIG Loyalty Card
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID
  • Company ID issued by Private Entities or Institution Registered with or supervised or regulated either by the BSP, SEC or IC.

When sending a consolidation request via email, make sure the subject line reflects your PAG-IBIG Number and Service Type Request.

For example, you can type “223145792544 Consolidation of Records and Contributions”.

The MID number mentioned above is purely for demonstration purposes and not a real one.

Walk-In Consolidation

You may also submit the request for consolidation of your Pag-IBIG records in person if you reside near a Pag-IBIG branch or if you have a profound aversion to making transactions online for whatever reason.

To begin the procedure, just present the following documents to your local Pag-IBIG branch.

You need to bring the same documentary requirements mentioned above. It’s better to accomplish the consolidation form before visiting Pag-IBIG offices to maximize your time within the premise.

If you want to begin the request for record consolidation yourself, keep in mind that Pag-IBIG offices have specified hours of operation. They are only open from 9:00 a.m. to 4:00 p.m. Monday through Friday (excluding holidays).

The first thing you should do when you arrive at a Pag-IBIG Fund branch near you is to inform the security personnel that you are requesting Pag-IBIG record consolidation.

While you wait for your turn, develop a list of all your former employment and be ready to discuss it with the evaluator.

Keep a record of the reference number you were given on the Acknowledgement Receipt (AR).

Wait until the procedure is complete and you receive an email confirmation. Send an email to Pag-IBIG Fund to follow up on your request if you have not heard from them after 17 days.

Frequently Asked Questions

We’ve attempted to be as thorough as possible in describing how to submit a request to combine your Pag-IBIG Fund contribution data, but it’s hard to cover everything. As a result, we’ve compiled a list of some of the most commonly asked questions about your Pag-IBIG Fund contribution records.

How to follow up consolidation request?

Whether the request for consolidation was made by email or in person, make sure you follow up on it after the specified processing period has elapsed. You can do so by sending an email to the Pag-IBIG Fund.

You may send an email with the subject containing your MID number and Service Type Request. For example, you can type “223145792544 Consolidation of Records and Contributions”.

Include the following details:

  • Previous Employment Details
  • Current Employment Details
  • Date of consolidation
  • Your personal information
  • Your current place or city
  • Scanned copy of the Acknowledgement Receipt (AR), if available or the reference number of AR.

How long does it take for my Pag-IBIG donation data to be consolidated?

According to the Fund’s Citizen Charter, the processing period for combining or consolidating Pag-IBIG records can take up to 17 days and 52 minutes, whether done online or in person.

How to consolidate record if I have discrepancies in my name?

If you wind up with two different records as a consequence of an error or inconsistency in your complete given name, you’ll need to cooperate with the employer that made the mistake and obtain a Certificate of Oneness.

What if I cannot obtain a Certificate of Oneness?

You may submit a duly completed and notarized copy of the Joint Affidavit of Two Disinterested Person form if your previous company that made the erroneous name in your Pag-IBIG Fund record has already closed down or cannot be tracked due to any other circumstances such as a change of address, the employer not responding, etc. This, along with the other basic prerequisites to process the Merging or consolidation of your Pag-IBIG Fund contribution records, must be manually submitted to the nearest Pag-IBIG Fund branch, since this sort of request for application of Merging of Records cannot be done through email.

You can download the given format by Pag-IBIG of the said affidavit here.

Do I really need to consolidate my Pag-IBIG fund records?

While it may sound tiring, it’s worth it to do the process. Each member who makes a donation to the Pag-IBIG Fund may see that their contributions have a 20-year maturity date. This translates to 240 donations in total. However, if you elect not to use any PAG-IBIG financing perks, you may withdraw the lump sum of your contributions after your records show that you have made at least 240 payments.

Can I monitor my Pag-IBIG contributions online?

Yes, you may do it by logging in to the Virtual Pag-IBIG. If you don’t have an account yet, this article will help in creating your permanent Virtual Pag-IBIG account.

If you don’t want to create a Virtual Pag-IBIG account, there are other ways to check your contributions. You may refer to this article to help you monitor your monthly contributions.

Final Thoughts

Paying your contributions on time as a Pag-IBIG member has a lot of value, especially if you want to take out a house or personal loan in the future. However, it’s crucial to double-check that they’re being sent to the Pag-IBIG Fund. If you want to examine if your contributions are correct, you should request the consolidation of your member data and contribution records in any format you like.

This will enable you to understand that your donations and hard-earned money go where they should, whether you are a regular local member or an OFW.

Leave a Comment