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Pag-IBIG Fund Withdrawal of Contributions

Can you withdraw your Pag-IBIG contributions? YES, if you meet any of the eligibility criteria or qualifications set by the Home Development Mutual Fund (HDMF).

If you fail to meet any of the allowed cases for withdrawals, all contributions posted in your account will remain with Pag-IBIG until such time you satisfy one of the qualification requirement.

If you are no longer working but have contributed to the fund in the previous years, will you be eligible to withdraw your Pag-IBIG contribution? YES but again ONLY IF you meet any of the 7 allowable cases shared below.Pag IBIG Withdrawal of Contribution

Read further below for those who are looking for info on Pag-ibig Fund 10 Years withdrawal benefit claim.

Criteria for Pag-IBIG Contribution Withdrawal

There are 7 grounds that allows a member to withdraw all contributions made to Pag-IBIG:

  • Maturity, where a member has completed 10, 15 or 20 years of active fund membership, equivalent to 120, 180 and 240 monthly contributions respectively;
  • Retirement, where a member has reached the mandatory retirement age of 65, the optional retirement age of 60, or has opted to avail of his company’s early retirement at age 45;
  • Permanent departure from the country;
  • Permanent / total physical disability;
  • Insanity;
  • Termination from service by reason of health; and
  • Death of member.

Provident Pag-ibig fund 10 Years Withdrawal Benefit Claim

How about those who meet the Maturity Criteria? Those members who have contributed 10 years of continuous payment or 120 months, can they withdraw from Pag-IBIG?

Answer: On this case, Pag-IBIG Fund says that if a member has completed 120 months of contribution WITHOUT ANY GAP, the individual is already in his/her 10 years as a member with no existing loan, this member can avail of the PROVIDENT BENEFITS CLAIM – 10 year maturity period. Provided that the member will file the Provident Benefits Claim in a Pag-IBIG branch within 1 year of his 10-years anniversary as a Pag-IBIG member (before reaching 11-years membership anniversary).

If you are not sure about the status of your membership with HDMF, kindly contact Pag-IBIG directly through their email contactus@pagibigfund.gov.ph, call them at this number (02) 724 4244 or visit a Pag-IBIG branch nearest you.

Check here for Pag-IBIG branches in MANILA and National Capital Region (NCR).

NOTE: A Pag-IBIG member will not be blacklisted if he/she lost his/her job or have stop working. The contributions will remain in the member’s name until such time that said member is already eligible for the Pag-IBIG contribution withdrawal.

ACTUAL EXPERIENCE

Experienced below is from an iSensey reader Charles. Thank you Charles for sharing your experience for the benefit of all Filipinos who may stumbled on this site, and who may be facing a similar case to your.

To all readers, please take time to read the sharing of Charles, originally posted in the comment section of this post.

Hi iSensey, i visited the Pag IBIG branch near my place and inquire regarding my case. But sad to say they not allowed me to claim my provident fund due to the payment that i miss from early 2015 to present. I am not even allowed to pay the previous years that i missed to complete my 15years. The only option is to wait for my retirement age to claim my provident fund or to continue my contributions for 10years again without miss or gap and only such time i am qualified to claim.

A Pag-IBIG customer service officer has to follow rules when processing applications for provident claims. You can only claim if you meet any of the criteria listed above. If you made any payment gap, you are not allowed for provident claims.

You can also read other articles here in iSensey under the Category: Government Services > Pag-IBIG to get some idea about several member concerns, but again it’s best to go to a branch of HDMF for individualized case handling, especially about contributions, provident claiming, housing loans, multi-purpose loan etc.

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Comments

  1. Hi very informative. I’m a member since 1993 ’till 2011 and had 208 monthly contributions based on my contribution data from PagIbig Imus branch.Then i stop working and discontinue the monthly payment. Can i qualify to avail provident claim benefit since it’s already 2016?

    • Hi Ponga, Pag-IBIG requires no gaps in monthly contribution but since as you said you already made 208 contributions so far, they might make an exception for your case and allows you the provident benefit. What we suggest for you to do now is to call or go to Pag-IBIG and inquire about Provident Claim – 10 years.

    • Gud day po pano mginquire s pagibig Kung Ilan months hulog ko meron po ba n websites kasi balak ko n lng irefund Ung contribution ko kc Ndi ko n magagamit saka 15 yrs Ng Ndi nahuhulugan at Ano po mga requirements sa pagrerefund.sana po matugunan nyo mga katanungan ko salamat po.

      • hindi po puede refund sa Pag-IBIG, you will need to wait for retirement period if di ka na active member now, before you can get your contributions back.

  2. Hello po ,, nagfile po ako ng maturity contribution ko last Augost 23, after 1 month your check they said but until now wala pa po eh nid na po in emergency purpose…salamat po

    • Hi Virgilio, kailangan niyo pong puntahan ulit ang Pag-IBIG branch kung saan kayo nag apply to follow-up. At itanong niyo din po sa anong stage na ng disbursement process yung na-file niyo. Baka kasi sabihan kayo na malapit na, eh madami pa palang processes na dadaanan pa.

  3. Hi may tanong lang ako, if i allowed parin ba ng pagibig, magloan ng salary loan ang blacklisted?. Blacklisted ako sa banko kasi di kodi ko nabayaran kasinagkaroon lang ako ng problema..actually di naman ako yung gumagamit ng credit card yung ate ko talaga ang gumagamit. kso di naman niya bainabayaran. kaya ako ang na iipit kasi pangalan ko ang nakalagya dun sa credit card.

    gusto ko sana magsalary loan, para pangdagdag gasto sa pagbinyag para sa baby ko. kaya nagtatanong ako if pwede ba makaloan if balcklisted kana?

  4. Tanungko lang po pag ibig no. Ko dpo kasi makabayad ng monthly contribution ang opis nmin gawa ng may mali sa pag ibig no. Ko

    • Kailangan niyo po pumunta mismo sa Pag-IBIG kasi kailangan nila makita kayo at ID niyo bago irelease nila yung Pag-IBIG number ng isang member. Puede din po siguro kayong lumapit sa HR ng companyo niyo para sila na mag-coordinate in your behalf po.

  5. Ask ko lng po kung pwede ko po makuha ang 10years maturity contribution ko if babayaran ko over the counter ang 4months na gaps? Thank u

  6. Hello po,ask ko lng po nka 5years contribution n po at di na ako napaghulog pa mai withdraw ko pa rin po b after 10 years?salamat po..

    • wala po kasi dapat po 10 years contributions talaga para maka file ng provident claim. sa retirement age niyo pa po makukuha yung contributions niyo

  7. Yun partner ko po may work before at nagkaron po sya ng 23 month contribution (1997-1999). Wala na sya naging work hanggang ngayon kasi napapirmi na sya sa bahay. 49 na sya ngayon. Paano nya mawiwithdraw yun.. hindi ba nya pwede man lang makuha at ng lumuwag luwag naman ang buhay nya kahit ilan araw man lang.?

    • Hi Tins, based on our understanding of Pag-IBIG rules, hindi po, your partner has to wait for retirement age 60 yrs old before the funds can be withdrawn.

  8. 19years na po ako member ng pagibigfund, pwede na po ba akong mag withdraw na maturity? tnx

    • Antayin nyo po yung 20th years niyo, kasi 10, 15, at 20 years lang ang allowed for provident fund claiming ng Pag-IBIG. Pag 20th year niyo at active member kayo with no existing loan and no payment gaps – puede na po kayo mag file for provident claim.

  9. Hello po.Na blacklist po ako sa pag ibig dahil hindi na po nag bayad ang asawa ko sa pag ibig housing loan namin.Hiwalay na po kami pero since co borrower ako kaya according sa pag ibig blacklisted na ako forever.Pag na annul po ba ako at na bago surname ko blacklisted pa rin po ba ako?Ano po mangyayari sa mga contributions ko kase active membe ako ng pag ibig.Maraming Salamat po.

  10. Hello po!
    Galing ako sa pagibig kanina… expected ko na makakafile na ko ng 15 years withdrawal claim… kasi mag 180 contributions na ko this month… pero sabi ng teller na sa July 2019 pa daw ako mag 15 years kasi may gap ako noong 2004… pero last 2015 nag inquire ako pang 10 years sana, kaya lang sabi naman ng teller noon na di daw pwede kc lampas na daw ako… kc binilang nya yung 2 years + ko na contribution sa ibang company ko before nagka gap ng halos 10 months… ano po ba talaga po ba talaga ang dapat na priority yung number of contributions?? o yung straight months of contributions??… palipat lipat lang ung dahilan nila… noon, lampas daw yung total number of contributions ko pero OK naman na 10 years straight nun… tapos ngayon di daw straight kahit tama namang 180 months of contribution… wala akong lusot nito… may guidelines ba sila kung alin ba talaga dito ang mas priority?? total number of contributions or yung straight months lang?? ang hirap mag hintay ng taon… hayzzz sna matulungan nyo ko…

      • Hi Wolfgang, we’ve referred your case to a Pag-IBIG personnel and she says na there should be NO GAPS in the contribution to be eligible for the provident withdrawal claims. The Pag-IBIG member should start counting the 10/15 years after the gap month, meaning there must be 10 or 15 years straight contribution.

        Example: If your Pag-IBIG contribution started January 2006 and nagkagap ka sa February 2006, magsta-start ka ng count sa 10 yrs from March 2006 to April 2016.

        Another thing, there is a deadline in filing for provident claims: For 10 years claim – you must file BEFORE you hit 11th year. For 15 years claim – you must file BEFORE you hit 16th year.

        Sad that this answer is not favorable to your case but this is the current rule of Pag-IBIG regarding withdrawal of contributions / provident claims.

  11. PTPA ADMIN..BALAK KO NA KC MAG RESIGN BUT MY CONTRIBUTION NOT REACH THE 10 YEARS, IT IS ALMOST 72 MOS ALREADY, HOW CAN I CLAIM MY CONTRI? OR MY SELF CONTRIBUTION PARA MA CONTINUE YUN TILL MG 10 YEARS? WHAT SHOULD I DO? TNX

    • Hi Rino, you can continue as voluntary, self-employed sa pag-ibig but make sure na the moment mag resign ka, icontinue mo same month agad agad ng walang palya ang iyong premium contribution. If pumalya ka kahit isang month lang na walang hulog or magkaron ka ng “gap”, uulit ka sa pagbilang ng 10 years.

  12. Ask ko lang po meron ako 149 total contribution ,
    Then initial PFR Date : 03/30/99
    Last PFR Date : 01/16/13
    Initial period covered: 1998/09
    Last period covered: 2011/06

    *gaps on employee share*
    200803 to 200807

    *gaps on employer share*
    200803 to 201101

    Makapagclaim kaya ako ng 10yrs ?

    Meron ako kapitbahay 5yrs palang nagclaim na siya ng contribution niya sa pnp siya nagwork…nakuha is 21k….nabasa ko kasi na 5yrs wala pa makukuha possible ba na kaya siya nakakuha dahil may agreement branch sa cubao para sa mga pnp? Tia…

    • Hi, puede niyo po itry, visit po kayo sa Pag-Ibig branch and consult direct with HDMF officer. Although, if we based on the current rule of Pag-IBIG on provident claim, dapat 10 years straight without any gap whatsoever, and dapat active contributing member ka as of provident file claim date.

  13. hello po ask ko po mgreretire na ang isang myembro mahigit 20 years na naghhulog walang palya never pa nag claim ng withdrawal pero may housing loan makukuha po ba nya ang kanyan cotribution. Kung i ka cash po nya ang housing loan bago sya mag file ng withdrawal claim , salamat po

    • Hi Beng, based on what we know, upon retirement the member can get the contribution + all his/her share in interests/dividends earned from the fund NET of any loan balance.

  14. sir /mam,good am,
    Nsa malaking compny po ako dto s Pilipinas at gsto ko pong magavail ng optional withdrawal ng Pagibig (membership maturity) almost 30 years npo ako s company ko..yun po b 20 yrs contribution ko makukuha kht i’m still working ?pno po ako mkkpgapply..pls help me me emergency lng po pggmitan..salamat po..

    • Hi Jun Jun, nasa taas na po ang details on how to file for provident claim.
      If you will file for the 20 years period, make sure there is no contribution gap in the 20 years, and you file the claim before you reach your 21st year anniversary with Pag-IBIG. Kaso based on your comment, you are working 30 years now for one company, so we assumed you are also on your 30th year as a Pag-IBIG contributor, lagpas na sa 21st year anniversary.
      The best thing you can do now is to GO and VISIT a Pag-IBIG branch baka iconsider nila ang case mo kahit lagpas ka na sa 21st year anniversary. Sana maging succesful po yung provident claim niyo.

  15. member po ako ng pag ibig from nov 1997 to june 15 2016.. nag early retire po ako. 223 months po ang contribution ko. can i avail provident?

    • Hi Maria, above 60 years old na po kayo? If oo, yes you can file for provident. If not, sa assessment po namin di po puede sa ngayon based sa rules on provident claiming. Our recommendation po sayo is to visit a Pag-IBIG branch para po may makausap na officer, baka iconsider nila yung case mo for exception.

  16. Member po ako ng pagibig since May 2004 hanggang ngayon. Bale 13 years na po akong active member. Makukuha ko ba yung 10years ko na provident savings po?

    • di na po, ang 10-years provident claim sa Pag-IBIG ay puede lang ifile before you reach 11th year anniversary. Wait ka na lang ng 15th year anniversary mo to claim 15-years Pag-IBIG provident.

  17. Hi po kaka 15 years ko lng po last may 15, can I avail po the provident loan kahit may balance pa ako na 5k?

    • Visit po kayo ng Pag-IBIG branch as soon as possible para matanong mo sila directly, at the same time mag apply ka na ng provident claim.

  18. Hi po. I started my Monthly Contributions with Pag ibig February 2006. I fully paid my Housing Loan this May of 2017. Can I file to claim my Provident Fund? How long is the processing for this?

    Thank you.

    • Lagpas ka na sa 10th-year window for claiming; ang 10 years anniversary mo if nag start ka ng February 2006 is February 2016. Dapat from February 2016 to January 31, 2017 ka po nag file ng provident claim.

  19. hi po. ask ko lang po if pwede pa makapag process ng claim if lagpas na sa 10 yrs. but not to reach 11th yr. or exactly in month for 10th yr…..
    kasi sabi nila, 1 month ahead beofre reaching 10th yrs. of maturity kelangan na e process.

    anu po ba ang toto.o

    • Hi, based sa Pag-IBIG rule, a qualified member can claim provident 10 years as long as successful filing is before the 11th year anniversary. We suggest po punta kayo agad sa pinakamalapit na Pag-IBIG office and file na. You can also call Pag-IBIG office directly.

      • Ask ko lng po kng pwede ko ma claimed contribution ko. Nag hulog po ako frm 2002- 2015..government employee po ako..2016 po na dismis ako s work. May chance pa po b ma claimed ko hulog ko? Tnx

        • Pag may gap na sa monthly contribution mo, or di mo pinagpatuloy, wala po. Aantayin niyo yung retirement age niyo bago makuha.

  20. hi!
    resigned na po ako last june 1, ask ko lang po
    kasi 137 months na po contribution ko lagpas na po ng 11 years pero may salary loan po ako pwede po kaya ako mka claim

    • pag lagpas po ng 11 years, di po. wait ka po sa 15th year mo kaso dapat walang gap sa inyong contribution payment, meaning ipagpatuloy mo pag-ibig mo ng walang missing monthly payment kahit isa, otherwise, antay ka na po ng retirement age para makuha yung pera mo.

  21. Good day! Sir/ma’am, regardarding maturity, provident benefits claim.
    Hindi po kasi nabayaran ng employer namin ng 3 taong dirediretso ang pagibig contribution naming. Ibig po ba sabihin hindi na po kami makakuha ng nasabing benepisyo? Bilang kasalanan po ng employer naming, ano pwede naming gawin. May way pa po ba para makuha namon ung benepisyo?
    Salamat po in advance.

    • Hi Mark, if based lang sa rules, you need to wait for retirement age to get provident claim kasi may “gap” na yung contribution niyo. Pero we suggest if may time kayo to go visit a Pag-IBIG branch and idulog yung case niyo na yung employer ang may sala bakit 3 taon walang remit sa Pag-IBIG pero nadeduct naman kayo. Baka lang magkaron ng consideration sila sa case nyo.

  22. Hi po.. ask ko Lang member po ako nangpagibig since 2006to2016 then nawalan po ako nangwork tapos may naiwan po ako loan ..makakapaglumpsum po kaya ako para sa 10yrs maturity?

    • hindi po kasi may gap months ka na na walang contribution. aantayin mo na ang retirement bago makuha funds sa pag-ibig.

  23. Hi, Good Day! I’m planning to claim my provident fund. Naging member po ako nung 2002. I decided to work abroad last 2015. It means straight po ako naghuhulog without gap for that period. This year pang 15years ko na po as member but i miss my contribution since i left the country. Can i still claim my 10years provident fund? Im planning to stop my pag-ibig since we already fully paid the housing loan. Thank you in advance

    • Hi Charles, if based sa rules ng claiming nope. But we suggest you visit your Pag-IBIG branch since they might allow you for exception in the light na nag OFW ka. We hope that you will let us know the result after your visit for the benefit of all readers. Salamat.

      • Hi iSensey, i visited the Pag IBIG branch near my place and inquire regarding my case. But sad to say they not allowed me to claim my provident fund due to the payment that i miss from early 2015 to present. I am not even allowed to pay the previous years that i missed to complete my 15years. The only option is to wait for my retirement age to claim my provident fund or to continue my contributions for 10years again without miss or gap and only such time i am qualified to claim.

        • Hi Charles, so sorry to hear that. May rules talaga fina-follow ang Pag-IBIG regarding provident claims. But we thank you for sharing your experience, at least this will also inform our fellow filipinos who may face similar case like yours. Thank you for sharing.

  24. Over 20 years na contribution ko, may housing loan ako. Can I apply yung contribution ko Sa housing loan ko? Second question , can I still withdraw kahit may existing housing loan ako ?

    • Are you an active contributing member with no payment gap? If hindi po ang sagot, di puede ang provident claim.

      Sa pagkaka-alam po namin, di din puede na yung contribution mo ang ibayad sa housing loan.

  25. Good Morning sir ask ko lang po kung pwede kong makuha ung pera kahit lagpas na po ako sa 20 yrs pero still nag ttrabho pa din po ako at no gap payment po ung bayad ko .

    • Hi Crizel, May 20 years claim period, na dapat ma claim from your 20th year anniversary to a day before you turned 21st year as contributing members. If lagpas ka na baka ma-deny ka, pero we strongly suggest you to visit a Pag-IBIG branch kasi sila mismo magsasabi sayo if pasok ka sa provident claim or not,or if ano ang dapat mo gawin para ma-file ng claim.

  26. good day po. mag ask lng po ako. 7 yrs po ako naghulog sa pag ibig. mula 2002-2009. kso po nawalan ako ng work. mag 45 yrs old na po ako. pat wla po ako work. makaka claim po ba ako. pano po?! slmat po.

  27. Good day! Im unemployed right now and have contributed for 14 or 16 years already. Can i claim for my 10year maturity po ba? Thanks!

    • Hindi po, paso na kayo sa rules ng 10th anniversary claiming. Also may contribution gap na nag Pag-IBIG monthly premiums niyo so hindi din kayo pasok sa rules about no gap.

  28. Hi,member po ako ng Pag ibig since it is started until 1997 dto sa Pinas.Since nag abroad po ako nakapaghulog din ako ng maximun di konlang matandaan kung ilang taon.May loan po ako na 3,000(provident loan yta yn).
    Paano ko ba maiwiwithdraw ang aking natitirang contribution at gaano katagal ang releasing?58 years old na po ako.Thanx.
    Mr.Eden Taban

    • Hi Eden, pag 60 years old na po kayo puede nyo na makuha contributions niyo. We suggest also to call or visit Pag-IBIG branch baka puede mo nalang bayaran yung loan mo para pagdating ng retirement age, walang bawas makukuha niyo po.

  29. Hi,
    Just want to ask what’s the disadvantage of withdrawing your contributions?
    Thanks

  30. Nag file po ako ng provident claim (maturity) for 20yrs. Naka 254 monthly contribution na po ako at Im still presently working. As per Pag Ibig pwede ko namang i file. Paano ko po malalaman if how much ang total na claim ko? Sabi po sa hotline at this time ang total contri/pera ko daw po ay nasa 29k dahil 39k ang na offset ng pag ibig dun sa previous loan ko before i changed job. I look forward to your reply.

    • Hi McMe, only Pag-IBIG will be able to answer your query kasi nasa kanila lahat ng records mo ng contributions, loans, etc. It is best to visit your Pag-IBIG branch to inquire.

  31. Tanong ko lang po pwede po bah ako maka file ng claim , wla na akong trabaho for almost 2 years but 20 years na po ako naghulog ng contribution sa pag ibig pwede hu bang mka claim ako?

  32. Tanong ko lng kung pwede kong mawithdraw pag-ibig contribution ko, 13 years ako nagtratrabaho sa minahan from 2007 to 2010. Mula 2010 nag overseas worker ako hanggang sa ngayon at nakacitizen na ako sa bansang pinagtratrabahoan ko. Balak ko pag magHoliday ako sa pinas eprocess ko ang pag-ibig withdrawal. Sa palagay ko nakuha ko na ang permanent departure from the country, Tama ba ako . Salamat Po.

    • Hi Andres, we believe so but then again it will all depend on the Pag-IBIG officer that you will talk to. We suggest that you try filing for contribution withdrawal when you get here, just make sure to bring docs that proves you are citizen of another country now.

  33. Hi sir/mam tanong ko lng po kung ano ang mga riquirements para makapag provident loan..salamat po god bless

  34. hello pwede po ba mag claim ng maturity fund then housing loan after claiming the maturity fund? thanks

  35. hello po,member po ako ng Pag-Ibig since July 1919 at nag resign September 2011,allowed na po ba akong ma claim yung Provident Contribution ko?Unemployed po ako ngayon.tnx po.

    • hi po gud morning, nag file na po ako ng provident claims last september 2017 kasi naka 10 yrs na po ako ng hulog until now wala pa din puro follow up na din po ginagawa ko lagi po sinasabi after 10 days after 10 days.pabalik balik kasi may hindi pa daw na post january na po ngayon ganun po ba talaga katagal.

  37. Hi Sir / Madam,

    Ask ko lang po pwd ko pa ba mabayaran yong 2 months na hindi ko nabayaran noong nganak ako malapit na kasi ako mag 10 years sa pag-ibig contribution ko balak ko kasi mag porvident claim.
    June at July na months 2017 ang hindi ko nabayaran.

  38. Mam, pano ko po ma withdraw ung 10years ko noong june 21,2017.nagkagap po ako ng isa noong 2010 dhil po d ako nakaltasan .500 lng po ksi ung sinahod ko nuon ….pwedi po ba bayaran un?..nanghihinayang po ksi ako sa straight 10years ko na hulog..

    • Hi Oliver, sayang nga yun. Try mo pumunta sa Pag-IBIG, baka ma consider nila kasi nga sabi mo 500 lang sahud mo nun kaya di ka na-automatic kaltas ng Pag-IBIG.

  39. good day!
    ask ko lang po kung panu ko malalman kung na claim ba ng father ko yung kanyang maturity sa pag-ibig nag retired siya ng 2011. bale 71 na siya ngaun makukuha pa ba yung maturity nya?

    • Hi Bernard, kung hindi pa naclaim, oo kasi lagpas na sya sa retirement age. Samahan mo nalang daddy mo sa Pag-IBIG para mag process na.

      • panu po yun hirap na po maglakad ang father ko at medyo ulyanin na din.pede po ba aq magprocess nun at ano ano po ba mga kailangan?

        • Hi Bernard, Pag-IBIG may request you to have a Special Power of Attorney from your father. But please don’t rely on our input, the best people to talk with about your concern is a Pag-IBIG staff. We strongly recommend that you visit a Pag-IBIG branch as soon as possible, or to call them up to related your concern.

  40. Hello po ask ko lng po sana paano po kaya ung 2 pag ibig number ko..mrrecover pa po kya ung una ko pagibig number n nahulugan ko na ng 5years? Kaya po ako nkapgregistered ng new pag ibig number kpg mattry ako mag log in sa pag ibig eservice lgi po invalid number ung una ko pag ibig number..ing bgo po ndi ko pa po nahhulugan. Ano po kya ang dapat ko gawin?

    • Hi Metchel, pumunta ka sa branch mismo para maresolve ang issue nang pagkakaron mo ng dalawang Pag-IBIG numbers. Wag mo na patagalin pa to, try your best to go to a branch ASAP.

  41. Hi po ask ko lang po nag file po yung tito ko for loan tapos nag ask po kami kung pwede na po sya for lump sum kung tawagin or maturity loan po ata ang sabi po samin pwede naman daw po kasi lagpas na daw po ng 300 months of contribution tapos nung nagfile na po kami and nung nareceive na po namin yung check nagulat po kami kasi ang baba po nung nasa check nya eh need pa naman po namin sana nung nag ask po kami dun sa branch ng tito ko kung bakit ganun po kababa halos mas mataas pa po yung nag file ng 15 years kesa sa tito ko na halos 25 years active member po sya ang sagot po samin is kailangan makuha daw po muna namin yung pera bago makita if my problem nakakpagtaka po kasi ang baba po nung nakuha nya kahit active naman din po yung company na pinapasukan nya.

    • Hi Carlota, yung provident claiming is for 10, 15, and 20 years lang. So lagpas na talaga ang 300 months or 25 years. We believe na ibibigay yung provident ng Tito mo once he retires.

      Question: Yung na release na check ba sa Tito mo ay regular Pag-IBIG loan at hindi ang Provident Maturity? Ang Provident kasi hindi sya loan. Now, if Provident Maturity lump sump nga yung nakuha na checque at mababa, punta kayo sa Pag-IBIG uli to ask for explanation and to contest it.

      • Good day.ibabang probident at lump sum.gusto ko kasi makuha ang nahulog ko.10th yr ko na sa work.100 per month ang contribution.nasa magkano po kaya ang makukuha ko.?hindi po utang un gusto ko mangyari.bali refund lng po.thanks in advance.

  42. Gud pm. I am almost 26 yrs in my work and I wasn’t able to claim maturity @ 10 nor 20 years. Can I claim it now and what are the requirements? Thank you.

  43. Tanong ko lang po.magkaiba ba ang lump sum at provident?gusto ko po kasi makuha o mairefund ang naihulog ko.10th year ko na sa trabaho at walang gap sa contribution.nasa magkano po kya makukuha ko?sa payslip po kasi ang contribution namen ay 100 lang per month.

  44. Can I remain a PAG-IBIG member even if I have withdrawn all of my contributions after retiring at the age of 60.

  45. Hello po paano ko po malalaman Kung ilang taon ang contribution ko as Pagibig?12 years po akong nag turo pero nagresign na ako at nag abroad. Hindi ko matandaan Kung anong year ako nag start mag hulog.

  46. Good Day po. Hiniram po ng Bayaw ko ang PAG-IBIG account ko para po makapag Housing Loan way back year 2000 pa. Unknowingly hindi na pala ito nahuhulugan until na maisipan kong magpacheck sa isang PAG-IBIG extension office last June 2018 at ang result for Legitation na daw ako. Anu po kaya ang dapat kong gawin dahil gusto ko pong mag avail ng salary loan or Lumpsum.

    • Hi Redsky, we recommend you visit again a Pag-IBIG branch kasi sila lang ang makakasagot ng tama sa tanong mo. Sana maayos na yang issue na gawa ng bayaw mo.

  47. hi good day
    ask ko lang kailangan po ba talaga na 11 years ang contribution bago ko makuha na ang na contribute ko kasi gusto ko ng pong e withdraw ang 10 years of contribution ko sa Pag ibig.

    • Hi Ligaya, if 10 years ka na now without ANY GAP in Pag-IBIG contributions, you can withdraw. Dapat mag file ka ng withdrawal bago mag 11 years kasi once mag 11 years anniversary ka, hindi na puede withdraw, wait ka na naman ng ika-15th year.

  48. hi there..ask ko lang po if allowed ako mag lump sum first contribution ko is nung june 2007..nagkaroon lang po ako ng gaps sa contribution ko nung nagmaternity leave ako..year 2014,2016 and this year na june and july..

  50. hi po, ask ko lang po kung meron po bang housing loan pwede po bang maglump sum… active member po ako hanggang ngayon. tnx!!

  51. Hi ask q lng po pwd n po mag claim ng refund ung asawa q kahit my loan p cya s pag ibg nsa
    10 yrs n dn po cya at active naman po cyang nag hhulog s pag ibg at my travaho pdn cya at same company p dn po 40 n po cya ngyn tnx po

  52. August 14,2018 ako nagfile ng retirement claim ko sa Pagibig,halos 3 months working days wala paring akong natatanggap dito sa branch namin sa cagayan de oro city.Nagfile ako duon sa Main office nila sa Makati.ask ko lang po bakit hanggang ngayon ay hindi pa rin dumadating embes du30 admin na sana at mabilis na ang proseso.Salamat po n regards!

  53. Good day!
    Paano po kaya nangyari yun na may gap daw ako ng 3 months pero sa payslip ko ay bawas naman ang pag-ibig? 10 years na po ako sa serbisyo nung july 2018 pa po… december na po ngayon..and until now di ko ma claim/.. ang gp ko po ay aug-oct 2008..

    • Hi Maria, ang puede mo magawa is pumunta kayo sa HR niyo para ma-compare ang data ng contributions mo, if sa record ng HR niyo ay may bayad kayo sa August, September, October 2008 – hingi ka ng certification at dalhin iyon as katibayan sa Pag-IBIG na wala kang gaps.

  54. Update ko lang po ang lump sum ko kung kelan ko matatanggap..ALEXANDER TANGAL GERO PAG IBIG MID No. 1060-0139-1959..Salamat po

  55. Good Day po mag inquire lng po na start po ako ng contribution ko June 2007 ngayon 2019 na po gusto ko po ma claim ang lumpsum na 10 years makukuha ko pa po ba? ko need ko lng po kahit sobra na ako sa 10 almost 12 yers na ako sa service po pwede ko pa po ma claim un kasi ngayon ko lng po nalamn na pwede kunin un hndi po ako aware sa info na ganon

    • Hi Reynaldo, i-inquire niyo po sa Pag-IBIG baka bigyan kayo ng exception sa rule; kasi dapat within 1 year nung nag 10-years-no-gap-contribution ang filing ng provident claim cash-out.

  56. !2 years na po akong guro pwede ko po ba mkuha ang 10 years savings ko kahit lumampas na akong 10 years ask ko lng po kung pwede at paano ko po malalaman na 10 years na po ako sa contribution ng Pag-Ibig ..Thanks po

    • tanung q l lng may multi-porpose loan po ako na din n nababayaran pwede po ba mag widraw fund contribution ng 15 year at 5years na ntigil hulog q ng cotribution..ang contribution ko po 18 year po pwede po ba ako mg widraw fund contribution

  57. good day ! : )
    ask ku lang po kc may nag inform samen na pede daw mag lump sum sa pag ibig this coming June 2019 ,10 years na ang husband ku, peru merun pu kaming housing loan 3 years na den kami dun sa bahay .
    makaka pag avail ba kmi ng lump sum ?thank you pu sa sagot 🙂

  58. Good day po..
    Member po asawa ko ng pagibig since 2017 up to now.. Naginquire po kame sa pagibig for lumpsum.. Kaso d daw kame pde mag lumpsum kc my kulang daw na hulog ung company which is february 2018 un lng po ang 1month.. Company po ng asawa q ang d naghulog .. Kung d po kame pumunta ng pagibig d namen malalaman na wlang hulog ung 1month ng asawa ko,. My possibiliteis ba na mka pag lumpsum kame,.salamat po..

    • Hi Ross, yung rule po is dapat wala talagang mintis kahit isa. Try to talk with a Pag-IBIG supervisor explain niyo na company ang di naghulog, pero wag mag expect masyado kasi nasa rule na dapat walang premium contribution gap.

  60. inquire ko lang po example 2001 ka pa member ng pag-ibig, pati contributions mo then nagka-gap ka ng may 2009 to July 2009, then nag-start ka ulit maghulog ng August 2009 up to present, tuloy tuloy naman siya (no gap) entitled pa rin ba ako sa optional withdrawal ng 10 years kasi yun yung walang gap?
    thanks

  61. ask ko lng po if pede po ako mg apply for withdrawal of contri, im 21 yrs active member w/o lapses kaso po may previous loan po ako , qualified pa bo ako mag apply for lumpsu,..???

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