Pag-IBIG online registration is the quickest way to apply for a Pag-IBIG Membership ID (MID) Number without physically going to Pag-IBIG branches.
Traditionally, you will go to Pag-IBIG offices near you to get your Pag-IBIG MID number. But I don’t recommend doing so because of the current situation.
Good news for you! Pag-IBIG online registration is absolutely free and can be finished within 10 to 20 minutes. You can print and download your Member’s Data Form (MDF) afterward.
Your MID number will be your permanent number for life. You do not need to get another in the future.
No need to travel, pay for transportation, or fall in long lines just to get your Pag-IBIG MID number.
In this article, I will show you step-by-step procedures of Pag-IBIG online registration and getting your Pag-IBIG MID number.
Pag-IBIG Online Registration 2022 Benefits
Pag-IBIG contribution is a statutory and mandatory contribution just like SSS and PhilHealth.
But we don’t know Pag-IBIG is a regular savings program for all qualified Filipinos which you can withdraw later on.
And just like banks, your savings will earn interest but at a higher rate than most of the banks. Your Pag-IBIG savings can be withdrawn after 20 years or equivalent to 240 contributions.
However, if you want a guaranteed high-interest and tax-free savings account, Pag-IBIG MP2 Savings Program is for you.
Outlined below are the main benefits you can avail yourself of with your Pag-IBIG membership.
Your contributions to Pag-IBIG will be kept by them as your savings. It will earn annual interest just like a bank except that it has a higher interest rate. You can only withdraw your savings plus interest after a certain amount of time.
In other words, you can’t use your Pag-IBIG savings as an emergency fund.
How does your savings grow, you say? Just like banks, Pag-IBIG invests your money in various investment programs to earn interest.
A portion of those interest will be attributable to your savings and the remaining will be used to fund the Pag-IBIG regular operations such as employees’ salaries and operating expenditures.
2. Affordable Housing Loan
If you’re one of those persons who dreamt of having his or her own house, then Pag-IBIG is a must for you.
You can apply for a Pag-IBIG housing loan for purchasing or construction of your residential house, home improvements, or even refinancing your existing housing loan with other financial institutions.
Even a minimum-wage earner like you can avail of this housing loan. Of course, there are qualifying conditions before you get approved.
As a minimum-wage earner, you can borrow up to Seven Hundred Fifty Thousand Pesos (₱750,000.00). The annual interest rate is only 3% with maximum loan terms of thirty (30) years.
3. Calamity Loan
Hopefully, you are not one of those individuals that suffered large damages caused by recent typhoons. But if you are one of those, you can qualify and apply for a calamity loan from Pag-IBIG.
If you live in an area declared to be under a state of calamity, you can loan up to 80% of your Total Accumulated Value (TAV), with an interest rate of 5.95% per annum. While this loan is payable in 24 months, you will have a grace period of 3 months before you need to start paying.
4. Multi-Purpose Loan
This type of loan will be availed on a short-term basis. You can use the proceeds for things like travel, funding a small business, bills payment, and even home renovation.
Take note that to qualify for all of the loans mentioned above, you must be an active member with at least 24 monthly contributions, and are not in default on other Pag-IBIG loans.
Your dream house will start with a simple Pag-IBIG online registration here and now.
Pag-IBIG Online Registration 2022 Requirements
Although Pag-IBIG online registration does not require any documentary requirements, you need to prepare the following things to be used in the process.
- Stable Wi-Fi or mobile data connection
- Mobile phone, laptop, or personal computer
- 8 to 10 minutes of your time
Pag-IBIG Online Registration 2022 Procedures
You may read first the step-by-step procedures or you can follow along while reading.
Step 1: Go to Pag-IBIG Online Registration Official Website.
The official Pag-IBIG Online Registration website will be given at the end of the article. First, you must read through it to learn more and become knowledgeable about the process.
Step 2: Enter Your Name and Birthday.
On the first screen, you need to type in your first, middle, and last name. You also need to provide your birthday. Enter the code and click submit to continue.
Pag-IBIG will use this information to verify if you have no existing account with them.
Step 3: Fill in Your Personal Information.
You need to enter your personal information on this page. The first set of names will be your current name. If you are a married female member, you need to supply the married name on the Pag-IBIG ID section.
On Member’s Name section will be your name appearing on your PSA Birth Certificate or LCR Birth Certificate.
You need to provide your mother’s maiden name as this is required and important.
Other information such as the father’s name is optional but recommended.
Click Next to continue.
Step 4: Fill in Other Necessary Information
On this page, provide completely and accurately your date and place of birth, sex, citizenship, civil status, and spouse information if applicable.
Other information is optional such as height, weight, TIN, SSS, and GSIS Number but is recommended.
Step 5: Fill in Your Address Information
You need to supply your permanent and current address. If your permanent address is the same as your current address, you can just tick the checkbox saying Check if Same as above to ease the process.
Step 6: Fill in Your Contact Information
On this screen, make sure to type in your email address and cellphone number.
Step 7: Fill in Your Heir’s Information
If you have sons and daughters whether legitimate or illegitimate, you need to input their names and information.
As indicated in the image below, funds will be divided among the heirs in case of the death of the member.
In other words, this section pertains to the beneficiary details of the member.
Step 8: Select Membership Category
On this page, you need to select your membership category. Please select the appropriate one for you.
If you’re currently looking for a job, a businessman or freelancer, choose Private Employed. Otherwise, choose the applicable category for you.
Pag-IBIG membership category is divided into two types – Mandatory and Voluntary.
Pag-IBIG mandatory membership is for those employed in the private sector, government, private households, overseas Filipino workers, and self-employed individuals.
Pag-IBIG voluntary membership is for those employed in a foreign government, barangay official or employee, non-working spouse, member of the religious group, pensioner, member of a cooperative, an overseas Filipino immigrant, and others where applicable.
Step 9: Provide Employment History
Input your employment history if applicable. Most of the time, you don’t need to supply your information here.
For example, if you are a first-time job-seeker, you don’t have to do this.
Step 10: Submit Membership Registration
Click Submit Registration to finish your Pag-IBIG online registration process.
Step 11: Print and Download Your MDF
Don’t forget to print your MDF if your Pag-IBIG online registration is successful.
Based on my experience, no MDF will be sent to your registered email address. Thus, you need to print it immediately and save it to a PDF file format.
Congratulations, you’re now a member of the Pag-IBIG Fund. But at this point, Pag-IBIG will only issue you a Registration Transaction Number (RTN). You need to wait up to two days for the issuance of your Pag-IBIG MID Number.
How to Verify Pag-IBIG MID Number Online in 2022
After successful Pag-IBIG online registration, you can have your Member’s Data Form (MDF) but not the Pag-IBIG MID number yet.
You can verify if your Pag-IBIG MID number is already available using the two methods described below.
Method 1: SMS Verification
Compose a text message with a format: IDSTAT <space> [RTN] <space> [Birthdate mm/dd/yyyy]. Send this message to 0917-888-4363 (for Globe and TM) or 0918-898-4363 (for Smart, TNT, Red Mobile and Sun).
Method 2: Online Verification
You can use this link to verify your Pag-IBIG MID number. Just input your information and the Registration Tracking Number (RTN) which can be found on your MDF. Click Submit to verify.
You need to double-check your supplied information if you received a message saying no records were found. Make sure you have the correct name and date of birth.
If the result is the same upon second verification, you need to wait for a little while for your account to be recorded on their database.
Fees and Charges
Unlike the beliefs of many, Pag-IBIG online registration is absolutely free of charge. You can easily do it by following the step-by-step procedures above.
You may see some Facebook posts offering Pag-IBIG online registration for a fee. But I don’t recommend patronizing this kind of service. The main reason is to avoid being scammed and compromising your personal information.
Aside from those, following our step-by-step Pag-IBIG online registration will help you learn about it and teach your learnings to friends and families in the future.
What to Do Next?
After successful Pag-IBIG online registration and verifying your Pag-IBIG MID number, the next thing to do is pay your monthly contributions.
If you want to view your contributions online, you may read our article on How to Check Your Pag-IBIG Contributions.
- How to Check Your Pag-IBIG Contributions Online in 2022
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- Virtual Pag-IBIG Online Registration 2022
- PhilHealth Online Registration 2022
- Pag-IBIG Contributions Consolidation
- How to Apply for Pag-IBIG Loyalty Card in 2022