What is the Pag-IBIG Calamity Loan and How to Enroll

The Calamity Loan Program offers essential support to members residing in areas officially declared as calamity zones by the Office of the President or the Sangguniang Bayan. Designed as a financial lifeline, it aids members facing hardships due to natural disasters by providing access to funds up to 80% of their total Pag-IBIG Regular Savings, with a low interest rate of 5.95% and flexible repayment terms up to 36 months. 

Eligibility hinges on active membership, consistent contributions, and the absence of default on existing Pag-IBIG loans. Members can apply through Virtual Pag-IBIG or in person at nearby branches, with repayment options tailored for both employed and self-employed individuals. This program embodies the Fund’s commitment to helping Filipinos recover from adversities, ensuring they have the financial means to start rebuilding their lives.

pag-ibig calamity loan

Understanding the Calamity Loan

The heart of the Calamity Loan Program lies in its purpose to extend a helping hand to its members in calamity-stricken areas officially declared by the Office of the President or the Sangguniang Bayan. Whether it’s due to natural disasters or unforeseen calamities, the program is designed to offer financial support when it’s needed the most.

Significance of the Program

The Calamity Loan serves as a lifeline for Filipinos recovering from natural disasters. With the Philippines being highly susceptible to typhoons, earthquakes, and volcanic eruptions, Filipinos often face sudden financial burdens due to damaged homes, displaced livelihoods, or medical needs.  Pag-IBIG, recognizing this vulnerability, offers the Calamity Loan with a low interest rate of 5.95%. This provides immediate financial aid to qualified members, allowing them to start rebuilding their lives without resorting to expensive borrowing options. This program complements government disaster response efforts by bridging the gap for members and fostering faster recovery for Filipino families.

Legal Framework

The program is rooted in the Fund’s commitment to its members, governed by guidelines that ensure its transparent and effective execution. For those interested in the nitty-gritty, Pag-IBIG Fund Circular No. 449 outlines the modified guidelines, ensuring that the program is both accessible and beneficial to eligible members.

Benefits at a Glance

Eligible members can breathe a little easier knowing the following benefits are within reach:

  • Borrow up to 80% of your total Pag-IBIG Regular Savings.
  • Enjoy a competitive interest rate of 5.95% per annum.
  • Flexible repayment terms up to 36 months, with the first payment due only after three months from loan release.

Are You Eligible?

Qualifying for the Calamity Loan requires:

  • At least 24 months of Pag-IBIG Regular Savings.
  • Active membership, with at least one monthly saving in the six months before applying.
  • No default on any existing loans with the Fund.
  • Proof of income.


Before you apply, make sure you have:

  • A duly accomplished loan application form.
  • Proof of income.
  • For online applications, a Pag-IBIG Loyalty Card Plus or cash cards issued by partner banks is necessary.

How to Apply: A Step-by-Step Guide

  1. Choose Your Application Method: Decide whether to apply online via Virtual Pag-IBIG or over-the-counter at the nearest HDMF branch.
  2. Complete the Loan Application Form: This can be done online for Virtual Pag-IBIG users or manually for over-the-counter applicants.
  3. Submit Your Requirements: Upload your requirements online or hand them in at your chosen branch.
  4. Wait for Approval and Release: After submission, your application will undergo processing. Once approved, your loan will be released according to the chosen disbursement method.
  5. Repayment: Start repaying the loan on the third month following its release. Choose from various payment methods for convenience.

Repayment Simplified

The program offers flexible repayment options, including salary deductions for employed members and direct payments at HDMF branches or through accredited partners for self-employed members and OFWs. Remember, prompt payments not only help maintain your good standing but also contribute to the sustainability of the fund, ensuring it can continue to assist others in need.


Remember, the clock starts ticking once a calamity is declared. Eligible members have 90 days to apply for the loan, providing a generous window to assess needs and prepare documents.

Streamlining Your SSS Calamity Loan Application: Practical Tips

Here are some practical tips to streamline your SSS Calamity Loan application process:

  • Gather Requirements Thoroughly: Ensure you have all the necessary documents like SSS E-Card, Barangay Certification proving calamity residence, and valid IDs before heading to the SSS branch.
  • Double-Check Information: Carefully review your application form for any errors, especially your bank account details to avoid delays in receiving the credit proceeds.
  • Prepare for Online Application (if available): Check if your SSS branch offers online application for SSS Calamity Loans. This can significantly reduce processing time.
  • Act Quickly: Remember, the application period is only 90 days from the declaration of a state of calamity. Don’t delay filing your application.
  • Inquire About Renewal: If needed, inquire about the renewal process for your calamity loan to ensure continuous financial assistance.

Video: Mornings with GMA Regional TV: Usapang Calamity Loan

This informative session tackles some of the HDMF loan options. Learn the application process for calamity loans, eligibility requirements for multi-purpose loans, and gain valuable insights for making informed financial decisions.


Recent Updates

Pag-IBIG Fund Allocates P3 Billion for Calamity Loan Funds

Under the calamity loan program, the Fund has set aside P3 billion to provide financial assistance to its members affected by Typhoons Egay and Falcon. Eligible members can borrow up to 80% of their total savings at a low interest rate of 5.95% per annum. The program is payable over three years, with a grace period of three months before the initial payment is due. (GMA News Online)


Disasters may be unpredictable, but the Calamity Loan Program stands as a testament to the resilience and solidarity inherent in the Filipino spirit. By offering financial assistance when it’s most needed, the program helps members rebuild not just their homes, but their lives, too. If you find yourself in a calamity-stricken area, remember that this program is here to help ease the burden and support your journey towards recovery.


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