A Step-by-Step Guide to Monitoring Your Pag-IBIG Contributions and Loans
Introduction
Checking your Pag-IBIG contributions and loan balance online helps you stay updated on your savings and loan repayments. With Virtual Pag-IBIG, you can now monitor your contributions, track loan balances, and download statements—all without visiting a branch.
This guide provides a step-by-step process to check your Pag-IBIG contributions and loan balances online.
Why You Should Regularly Check Your Pag-IBIG Contributions and Loans
- Ensure that your employer is correctly remitting your contributions
- Track your total savings, especially if you plan to apply for a loan
- Verify your loan amortization payments to avoid penalties
- Confirm if you qualify for a Pag-IBIG loan based on contribution history
How to Check Your Pag-IBIG Contributions Online
Step 1: Log in to Virtual Pag-IBIG
- Go to https://www.pagibigfundservices.com/virtualpagibig/
- Click “Login” and enter your credentials
Step 2: Navigate to the Contributions Section
- Click “Regular Savings” or “MP2 Savings” — if you’re interested in accessing your money later, check our guide on how to withdraw Pag-IBIG savings and MP2 earnings online.
- Select “View Contribution Records”
Step 3: Check Your Contribution History
- Your total savings and monthly contributions will be displayed
- Click “Download Statement” for a PDF copy
If you notice missing contributions, contact Pag-IBIG customer service or your employer.
How to Check Your Pag-IBIG Loan Balance Online
Step 1: Access Virtual Pag-IBIG and Log In
- Visit Virtual Pag-IBIG
- Enter your username and password, then click “Login”
Step 2: Select Loan Inquiry
- Click “Housing Loan” or “Multi-Purpose Loan”
- Select “View Loan Balance”
Step 3: Review Your Loan Details
- The page will display:
- Loan type (Housing Loan, MPL, or Calamity Loan)
- Remaining balance
- Payment due date
- Monthly amortization amount
- Loan maturity date
- Click “Download Loan Statement” for a copy of your loan balance report
How to Request a Loan Statement via Email
If you do not have a Virtual Pag-IBIG account, you can request your loan balance by emailing Pag-IBIG.
Step 1: Prepare Your Loan Details
Include the following information in your email:
- Full Name
- Pag-IBIG MID Number
- Loan Account Number
- Type of Loan (Housing, MPL, or Calamity Loan)
Step 2: Send an Email to Pag-IBIG
- Email your request to contactus@pagibigfund.gov.ph
- Subject: Loan Balance Inquiry – [Your Name]
You will receive a reply within 3 to 5 working days.
What to Do If Your Contributions or Loan Payments Are Missing
If your contributions or loan payments do not appear on Virtual Pag-IBIG, follow these steps:
- Check with Your Employer – Ensure they have remitted your contributions to Pag-IBIG
- Verify Your Payment Details – Double-check the reference number of your loan payment. If you want to learn the proper way of paying online, see our guide on how to pay Pag-IBIG contributions and loans online.
- Contact Pag-IBIG – Call (02) 8724-4244 or visit the nearest branch for assistance
Common Issues & How to Fix Them
Issue |
Solution |
|---|---|
| Contributions Not Showing Online | Check with your employer, as some contributions take time to reflect |
| Loan Balance Not Updating | Payments usually update within 3-5 working days |
| Cannot Log in to Virtual Pag-IBIG | Reset your password or check if the website is under maintenance |
| Incorrect Loan Balance | Request a manual review by emailing Pag-IBIG customer service |
Frequently Asked Questions (FAQs)
1. How often should I check my Pag-IBIG contributions?
It is recommended to check your contributions at least once every three months to ensure all payments are correctly posted.
2. Can I check my Pag-IBIG loan balance if I do not have a Virtual Pag-IBIG account?
Yes. You can request your loan balance by emailing Pag-IBIG or calling customer service.
3. Why are my recent contributions not showing?
Pag-IBIG contributions typically reflect within 30-60 days after payment. If contributions are missing, contact your employer or Pag-IBIG.
4. Can OFWs check their Pag-IBIG contributions and loans online?
Yes. Overseas Filipino Workers (OFWs) can access Virtual Pag-IBIG using their MID Number to check contributions and loan balances.
5. How do I dispute an incorrect contribution record?
- Gather proof of payment (payslips, bank receipts, or employer records)
- Contact Pag-IBIG’s support team and request an update on your records
Final Thoughts
Regularly checking your Pag-IBIG contributions and loan balance online helps you stay updated on your savings and loan repayments. Using Virtual Pag-IBIG, you can easily track your contributions, verify payments, and download statements—all from the comfort of your home.
To get started, visit Virtual Pag-IBIG and check your records today.
Next Steps
Now that you know how to check your contributions and loan balance, learn How to Pay Your Pag-IBIG Contributions and Loans Online in our next guide.
