Registration with the Home Development Mutual Fund (Pag-IBIG Fund)

The Home Development Mutual Fund (HDMF), commonly known in the Philippines as “Pag-IBIG Fund” is a government agency that caters to the shelter financing of Filipino workers. This employee benefit includes loans, access to housing programs and savings. Employees with SSS and GSIS (for government employees) benefits are also mandated to be members of the Pag-IBIG Fund. Like the SSS and Philhealth, this benefit requires monthly contributions from both the employer and employee. The monthly contribution is of minimal amount.

Who can be members of the Pag-IBIG Fund:

  • Companies who are members of SSS and GSIS
  • All Employees
  • Professionals
  • Uniformed members (Police, Army, etc)
  • Overseas Filipino Workers (OFWs)
  • Filipinos employed locally or overseas by a foreign employer
  • Non-working spouses of Pag-IBIG members
  • Filipinos naturalized abroad