What is the Pag-IBIG Regular Savings Program and How to Enroll

The Pag-IBIG Regular Savings Program serves as the foundational savings scheme for Filipino workers, providing a solid platform to build a secure financial future. Governed by the HDMF law, this program guarantees the safety of members’ savings and offers competitive dividend rates. It’s structured to cater to a diverse group of Filipinos, including employed individuals, the self-employed, OFWs, and voluntary members.

With flexible contributions above the minimum required amount and tax-exempt dividends, members can anticipate a growth in their finances. Enrollment is simple, requiring an active Pag-IBIG Membership ID and a valid ID, and the process can be initiated online. This is a commitment to financial well-being, ensuring your contributions yield fruitful returns.

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Introduction to Pag-IBIG Regular Savings Program

The Pag-IBIG Regular Savings is the bedrock of the Fund’s offerings, mandating members to save for their future while providing a chance to earn substantial annual dividends. It is more than just a savings facility; it’s a financial growth partner for every contributing Filipino worker.

Significance of the Program

The Pag-IBIG Regular Savings offers Filipinos a path to homeownership through housing loans, acts as a safe and secure way to save for the future with high dividends, provides insurance coverage and emergency loans for financial security, and ultimately contributes to a member’s overall financial well-being.

Legal Basis of the Program

Structured within the legalities of the HDMF law, the Pag-IBIG Regular Savings is supported by a government guarantee, assuring its members of both the safety of their finances and the promised dividends.

Advantages of the Pag-IBIG Regular Savings Program

Joining the Pag-IBIG Regular Savings comes with a plethora of perks:

  • Competitive Dividend Rates: Benefit from high dividend rates applied to your savings annually.
  • Secured by the Government: Rest assured with a government guarantee safeguarding your savings.
  • Flexible Contributions: Elevate your savings potential by contributing above the mandatory rate.
  • Tax-Exempt Earnings: Your dividend earnings are exempt from tax.
  • Ease of Withdrawal: Access your savings and dividends after the required membership tenure.

Who is Eligible?

The is open to a wide range of Filipinos, including:

  • Private and government-employed individuals
  • Self-employed persons
  • Overseas Filipino Workers (OFWs)
  • Voluntary contributors

Requirements for Enrollment

To enroll in the Pag-IBIG Regular Savings, you’ll need:

  • An active Membership ID (MID)
  • At least one valid government-issued ID

How to Maximize the Benefits of the Pag-IBIG Regular Savings

  • Begin with Online Registration:
      1. Navigate to the Pag-IBIG Fund official website.
      2. Complete your online registration to acquire your unique MID.
  • Access Your Virtual Pag-IBIG:
      1. Log in to your account.
      2. Go to the savings and loan records section.
  • Initiate Your Savings: Decide on the monthly amount you want to save. Though there’s a minimum requirement, you’re encouraged to save more.
  • Contribute Monthly: Set up your contributions, which can be done via payroll deduction for employed members or through recognized payment channels for others.
  • Withdrawal and Dividends:
    1. Look forward to annual dividends that grow your savings.
    2. Withdraw your savings and dividends after the specified period, which is typically 5 years or upon reaching retirement age.

Reminders when Enrolling in the Pag-IBIG Regular Savings

Here are some important reminders when enrolling in the Pag-IBIG Regular Savings:

  • Monthly Contributions:
      • The Pag-IBIG Regular Savings Program involves monthly contributions.
      • Members contribute a portion of their income to their Pag-IBIG savings account.
      • These contributions serve as personal savings and provide various benefits.
  • High Annual Dividend Earnings:
      • The program is a government-guaranteed savings facility.
      • Pag-IBIG Fund sets aside at least 70% of its annual net income and credits it proportionately to members’ Pag-IBIG Savings as dividends.
      • The more you save, the higher the dividends you’ll earn.
  • Eligibility and Enrollment:
      • All active Pag-IBIG Fund members are eligible for the Regular Savings Program.
      • You can apply for membership through the Pag-IBIG online registration system without visiting an office.
      • Once registered, you’ll receive a Membership ID (MID).
  • Withdrawal and Dividends:
      • After a certain period (usually 5 years), you can withdraw your total savings and accumulated dividends.
      • The dividends are credited annually based on Pag-IBIG Fund’s net income.
  • Budget-Friendly Savings:
    • Compared to other investment vehicles, the Regular Savings Program is easier on the budget.
    • It allows you to save consistently without straining your finances.

Remember, participating in the Pag-IBIG Regular Savings is a smart way to secure your financial future. Whether you’re planning to buy a house or need emergency funds, this provides stability and growth.

Recent Updates

Pag-IBIG and PhilHealth to Increase Mandatory Contributions in 2024

Pag-IBIG and PhilHealth, two government agencies in the Philippines, are planning to increase mandatory contributions in 2024. This move aims to ensure sustained funding for social and healthcare benefits provided by the agencies. Contributing more will help support the continued provision of valuable services to Filipinos. (GMA News Online)

Pag-IBIG Member Savings Surge to P28 Billion in Four Months

In just four months, the savings of Pag-IBIG Fund members in the Philippines have reached a staggering P28 billion. This significant increase reflects the commitment of members to save and secure their future, amidst the challenges brought about by the global pandemic. The growth in savings showcases the effectiveness of the Fund in providing financial security for its members. (Philstar Global)

Pag-IBIG scores FFW support for 2024 contribution hike

The Federation of Free Workers (FFW) has expressed its support for the proposed contribution hike by the Home Development Mutual Fund (Pag-IBIG) for 2024. The increase in contributions aims to ensure the sustainability of the fund and provide better services to its members. With FFW’s endorsement, Pag-IBIG’s efforts to secure the necessary approvals for the contribution hike are bolstered. (GMA News Online)

Marcos Commends Pag-IBIG Fund for Achieving Record-High Dividends

In a recent statement, former President Ferdinand Marcos expressed his admiration for the Fund’s remarkable achievement of record-high dividends. The fund’s ability to provide substantial returns to its members highlights its commitment to financial stability and welfare for all Filipinos. (Manila Times)

Marcos Urges Pag-IBIG to Enhance Home Loan Accessibility

Former Senator Ferdinand Marcos Jr. has called on the Home Development Mutual Fund to improve the accessibility of home loans for Filipinos. Marcos believes that making home loans more accessible will provide better opportunities for individuals and families to acquire affordable housing, ultimately boosting economic growth and stability. (GMA News Online)

Video: Vince Rapisura 2582: Mga mahalagang dapat malaman sa Pag-IBIG Regular Savings o P1

In this video, vlogger Vince Rapisura highlights the key information about Pag-IBIG Regular Savings or P1. Readers will gain a comprehensive understanding of the importance and benefits of this savings scheme, empowering them to make informed financial decisions.



The Pag-IBIG Regular Savings is not just a savings mechanism—it’s a pathway to financial security and growth. By engaging with this program, you secure a financial cushion that grows over time, backed by the assurance of the Philippine government. Take the step today towards a more stable financial future. Start with Regular Savings and watch your money flourish.

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