This is where your monthly savings (contributions) go.
The Pag-IBIG Regular Savings Program is a convenient and government-guaranteed savings facility
that gives you high annual dividend earnings. Save more to earn higher dividends.
Read more below to learn more about your Pag-IBIG Fund Regular Savings!

Pag-IBIG Fund sets aside at least seventy percent (70%) of its annual net income and credits it proportionately to its members’ Pag-IBIG Savings as dividends. This means that the more one has saved, the higher dividends that member shall earn.

Pag-IBIG Fund invests at least 70% of its investible funds in housing finance, as required by its Charter. It also invests in government securities and corporate bonds.

Here are the Pag-IBIG Regular Savings Dividend Rates over the past nine years.

Year Pag-IBIG Regular Savings Dividend Rate
2020 5.62%
2019 6.73%
2018 6.91%
2017 7.61%
2016 6.93%
2015 4.84%
2014 4.19%
2013 4.08%
2012 4.17%
2011 4.13%
For Employed Members
• Accomplish the Request to Upgrade Monthly Savings Form and submit to Employer
For Self-Employed and OFW Members
• State desired amount of upgraded savings on your next payment at any Pag-IBIG Fund Branch or accredited collecting partner
  What is the Pag-IBIG Regular Savings Program?

This is where your monthly savings (contributions) go! The Pag-IBIG Fund Regular Savings Program is a convenient savings facility that gives you high annual dividend earnings. Your savings is returned upon its maturity after 20 years, upon retirement or other grounds.

  How much should I save monthly?

The monthly Pag-IBIG Savings is pegged at just Php100. This savings rate is based on the corresponding provisions of Republic Act No. 9679.

Employed members immediately double their monthly savings with the counterpart share of their employees. And your savings grows even more with the dividends it earns annually.

  How do I pay or remit my monthly savings to Pag-IBIG Fund?

The monthly savings of formally-employed members are done by and through their employers. The latter shall be responsible in remitting your member savings, and their employer counterpart share to Pag-IBIG Fund on a monthly basis.

Self-employed members and Overseas Filipino Workers may pay at any Pag-IBIG Fund branch or through any of our authorized collecting partners.

  Can I save more to earn more dividends?

Yes! Save more and earn higher dividends under the Pag-IBIG Fund Regular Savings by increasing your monthly savings. The more you save, the higher dividends you get!

If employed, simply accomplish the “Request for Upgrading Savings” Form and submit this to your employer.

If self-employed or an Overseas Filipino Worker, you may upgrade your Pag-IBIG Regular Savings anytime.

  When can I withdraw my Pag-IBIG Regular Savings?

You may withdraw your Pag-IBIG Regular Savings should any of the following occur:

  • Membership maturity after 20 years, equivalent to 240 monthly contributions
  • Retirement at age 60 (optional) or 65 (mandatory)
  • Separation from service due to health reasons
  • Permanent departure from the country
  • Permanent and total disability or insanity
  • Upon death, in which case, his legal heirs will receive his TAV plus an additional death benefit
  • Critical illness of the member or any of his immediate family member, as certified by a licensed physician