GSIS Lease With Option to Buy (LWOB) Pabahay Program

The GSIS Lease with Option to Buy (LWOB) Program is a housing program by the Government Service Insurance System under its Ginhawa For All framework.

It allows individuals to lease housing units with the option to purchase the property during the lease period, which is initially valid for one year and renewable.

Targeted at Filipino citizens with a regular source of income, the program offers affordable housing with benefits such as flexible payment options, priority purchase rights, and security of tenure.

Applicants can view available properties on the GSIS website and follow a straightforward application process to secure a unit.

Credits: GSIS

What is the GSIS LWOB Program?

The Government Service Insurance System has introduced a housing program known as the Ginhawa For All Lease with Option to Buy (GFAL LWOB).

This allows interested parties to rent GSIS housing units with the option to purchase the property at any time during the lease agreement.

The lease is valid for one year and can be renewed at agency’s discretion.

Credits: GSIS / Facebook

Benefits of the GFAL LWOB Program

The GFAL LWOB Program offers several benefits to participants:

  • Priority Purchase Option: Lessees have the priority to purchase the property at any time during the lease period.
  • Flexible Payment Options: Lessees can choose from various payment modes to suit their financial situation.
  • Security of Tenure: The program provides security of tenure for lessees, knowing they have the option to buy the property.
  • Affordable Housing: It offers an affordable housing option for Filipinos with a regular source of income.

Available Properties

The properties available for lease are posted on the GSIS website.

Interested parties can view the listings and select properties that meet their needs and preferences. Simply scan the QR code below to get started.

available gsis properties
Credits: GSIS

Eligibility Criteria

To qualify for the GFAL LWOB Program, applicants must meet the following requirements:

  • Be a Filipino citizen legally authorized to enter into an agreement.
  • Have a regular source of income.

If the residential property is currently occupied, the current occupant will have the priority to lease and eventually purchase the unit.

If the property is unoccupied, it will be available for rental to any qualified applicant on an “as-is, where-is” basis.

All improvement costs will be the responsibility of the lessee.

Application Requirements

Applicants need to submit the following documents:

  • Duly accomplished Application Form
  • Photocopy of any two (2) valid IDs (original to be presented)
  • Proof of income
  • BIR Tax Identification Number (TIN)
  • Complete Checklist of Requirements

Step-by-Step Application Procedure

  1. Submit the complete application documents to the GSIS Real Property Accounts Management Department (RPAMD) at the GSIS Head Office or any nearest branch office.
  2. Wait for GSIS’s notification. The agency will issue a Letter of Approval of Lease with Option to Buy to the qualified lessee for his/her conforme, which is valid for 30 calendar days from receipt.
  3. Upon approval and signing of the lease agreement, the lessee will be required to pay two (2) months advance rental fee and two (2) months security deposit.
  4. The lessee may pay the rental and other fees to the agency under the lease contract through any of the following modes:
    • Cash
    • Post-dated checks
    • Manager’s or cashier’s checks

General Guidelines

  1. Properties available for the Pabahay Lease with Option to Buy are posted on the GSIS official website.
  2. Applications are accepted at Head Office, Branch Offices, Satellite Offices, or through email at
  3. The lessee must use the leased premises only for residential purposes, with all illegal activities prohibited.
  4. The term of rent shall be one year, renewable annually at GSIS’s discretion.
  5. The lessee must notify the agency in writing of intent to renew at least three (3) months prior to lease expiration.

Convenient Payment Options

The GSIS Lease with Option to Buy (LWOB) Program not only provides an opportunity for affordable housing but also ensures ease and convenience in making payments.

GSIS has partnered with several Bayad partners to facilitate a seamless payment process for lessees.

Bayad Partners for Payments

Here are the payment partners where you can conveniently pay your GSIS loans and Lease with Option to Buy (LWOB) payments:

  • Robinsons Department Store
  • Robinsons Supermarket
  • 2GO Express
  • CVM Pawnshop & Money Changer
  • eBiz (eBusiness Services, Inc.)
  • Isetann
  • The Landmark
  • Pera Hub
  • Philpost (You Send, We Deliver)
  • Raquel Pawnshop
  • San Roque Supermarket (SRS)
  • Super U Super Service Center
  • Sinag Pawnshop
  • Villarica Pawnshop

Multiple Modes of Payment

With these partners, you can make payments through various modes:

  • In-Person Payments: Visit any of the above-mentioned partner locations to make your payment in person.
  • Online Transactions: Use online services provided by these partners for a more convenient payment process.
  • Mobile Apps: Some partners may offer mobile applications for easy and on-the-go payments.

Payments can be made through:

  • Cash at GSIS Head Office or nearest GSIS Branch Office.
  • Post-dated checks accepted at GSIS Central or Branch Office.
  • External payment service providers such as Bayad Center, M Lhuillier, UnionBank Online Banking, or USSC.
Credits: GSIS / Facebook

Responsibilities of the Lessee

  • The lessee is responsible for maintaining the leased premises in clean and sanitary condition.
  • Lessees must pay all utility bills and association dues, if applicable.
  • The lessee must not make unauthorized improvements without written consent from GSIS.
  • In case of damage, lessees are obligated to cover repair costs if they are at fault.

Penalties for Late Payment

Any unpaid, late, or underpaid rental fees will incur a penalty rate of three percent (3%) or Php500.00 per month, whichever is higher.

Option to Buy

The lessee has the option to buy the leased premises at any time during the lease agreement but not exceeding thirty (30) days before the expiration of the lease.

Upon exercising this option, the lessee must submit a written proposal to GSIS.

The lessee is liable for all obligations under the lease agreement during the 30-day period and until the actual date of full payment.

Customer Support and Assistance

For any assistance regarding payments, you can reach out to Bayad’s customer care at (02) 8672-5777 or (0917) 8363600.

The Bangko Sentral ng Pilipinas (BSP) Financial Consumer Protection can also be contacted at (02) 8708-7087 or through

Video: GSIS LEASE WITH OPTION TO BUY – Ginhawang Bahay, Ginhawang Buhay

Introducing the GSIS Lease with Option to Buy program, offering a path to comfortable living and a brighter future. This innovative program allows individuals to lease a home with the option to purchase it later, providing flexibility and security in achieving their dream of homeownership. Take the first step towards a better life with GSIS Lease with Option to Buy.



The GSIS Lease with Option to Buy Pabahay Program is an excellent opportunity for Filipinos to secure affordable housing with the potential to own the property.

By meeting the eligibility criteria and following the application procedure, interested individuals can benefit from this program.

For more information and to view available properties, visit the GSIS website.

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