TL;DR: This Pag-IBIG guide puts every WisePH Pag-IBIG article in one place, grouped by what you need. First, check your contribution rate and your MID number. Then follow the MP2 section in order, from opening an account to claiming it after five years. Finally, the loan section compares the Multi-Purpose, calamity and housing loans. Each link opens a full step-by-step guide.
Newest Pag-IBIG guides
- How to pay Pag-IBIG contributions if you are an OFW or working abroad
- Pag-IBIG MPL vs calamity loan: which one should you take?
- Pag-IBIG contribution rate 2026: employees, self-employed, freelancers, and OFWs
- How to get your Pag-IBIG MID number (and what OFWs must do with it right away)
- What happens to your Pag-IBIG savings and loans if you die?
Start here if you are new to Pag-IBIG
In fact, your Pag-IBIG membership does two jobs: it saves your money, and it decides what you can borrow later. So start with how your contributions work and where to find your member number.
- Pag-IBIG contribution rates for employees, the self-employed, freelancers and OFWs.
- Getting your Pag-IBIG MID number, and what OFWs must do with it right away.
- Regular Savings versus MP2: the exact difference between the two.
- Getting your free Pag-IBIG loyalty card.
- Paying Pag-IBIG from abroad if you are an OFW.
MP2 savings, from opening to claiming
MP2 is the voluntary savings program most readers ask about. Therefore, these guides follow the order you will need them, from your first deposit to the day it matures.
Opening and saving
- Opening an MP2 account, online or at a branch.
- Computing your 5-year MP2 return before you deposit.
- How much to put in each month, beyond the minimum.
- Lump sum or monthly: which one earns more.
- Opening more than one MP2 account for different goals.
- Paying MP2 through GCash, Maya or online banking.
- What happens if you skip a month.
Dividends, taxes and your balance
- This year’s MP2 dividend rate, and what it means for your savings.
- Why MP2 dividends are tax-free under the Pag-IBIG law.
- Checking your MP2 balance online.
Withdrawing and claiming
- Withdrawing before the 5-year maturity, and the valid reasons.
- Your options when MP2 matures after 5 years.
- Claiming your MP2 savings, step by step.
Pag-IBIG loans
Pag-IBIG lends against your savings, so the more you have saved, the more you can borrow. However, each loan has its own interest rate and rules.
- Multi-Purpose Loan: how much you can borrow and how to apply online.
- Calamity loan for members in a declared calamity area.
- MPL or calamity loan: which one to take.
- Housing loan: rates, requirements and what you will actually pay.
For your family
- What happens to your Pag-IBIG savings and loans if you die, and what your beneficiaries receive.
Also on WisePH: our SSS guide and PhilHealth guide. For the newest Pag-IBIG updates, see the latest Pag-IBIG posts.
