Pag-IBIG4 min read · Updated May 2026
Pag-IBIG Monthly Contribution 2026: Rates, Salary Brackets & Loan Eligibility
Pag-IBIG (HDMF) contributions in 2026 are 4% of your monthly salary, with a salary base capped at ₱10,000. Employee pays 2%, employer pays 2%. Max contribution: ₱400/month.
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Source: Pag-IBIG Fund / HDMF (pagibigfund.gov.ph). BenepisyoPH is independent and not affiliated with Pag-IBIG.
Pag-IBIG 2026 Contribution Summary
4%
Total Rate
2%
Employee Share
₱10,000
Salary Cap
₱400
Max/Month
How to Compute Your Pag-IBIG Contribution
If salary ≤ ₱10,000 → Employee = Salary × 2%
If salary > ₱10,000 → Employee = ₱200 (capped)
Example: ₱25,000/month salary
Salary base used (capped at ₱10,000)₱10,000
Your deduction (2% × ₱10,000)₱200
Employer pays (2% × ₱10,000)₱200
Total monthly Pag-IBIG₱400
Loan Eligibility: Why Contribution Count Matters
💳
Multi-Purpose Loan
Requires: 24 months paid
Up to 80% of Total Accumulated Value
🆘
Calamity Loan
Requires: 24 months + calamity area
Up to 80% of Total Accumulated Value
🏠
Housing Loan
Requires: 24 months minimum
Up to ₱6 million for home purchase
Frequently Asked Questions
Can I withdraw my Pag-IBIG savings?expand_more
Yes — after 20 years of membership, upon retirement (age 60+), total disability, or upon death (by beneficiaries).
Is Pag-IBIG the same as HDMF?expand_more
Yes. Pag-IBIG Fund and HDMF (Home Development Mutual Fund) are the same institution. "Pag-IBIG" is the common name and acronym, while HDMF is its official corporate name.
Should I pay voluntary Pag-IBIG contributions?expand_more
Yes, if you earn over ₱10,000. Higher voluntary savings increase your loan entitlement and earn dividends (recently 7%+ per year). Minimum voluntary top-up is ₱200/month.
Can OFWs join Pag-IBIG?expand_more
Yes. OFWs can register as voluntary Pag-IBIG members, which gives them access to housing loans and multi-purpose loans.
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