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If a typhoon, flood or earthquake hits your area and your city or province is declared under a state of calamity, the Pag-IBIG Calamity Loan lets you borrow up to 90% of your own Pag-IBIG savings at 5.95% a year, with three months before your first payment. You qualify if you have at least 12 monthly savings, you are an active member, and you live (or, with Pag-IBIG’s approval, work) in the declared area.
The catch is timing. The loan opens only after an official declaration, and you have 90 days from that declaration to file. If your area is not covered, the Multi-Purpose Loan (MPL) is the other option. Here is how the two compare, how much you can get, and how to apply.
What is the difference between the Pag-IBIG Calamity Loan and the Multi-Purpose Loan?
Both are cash loans against your Pag-IBIG savings. The Calamity Loan is cheaper but opens only after a declaration; the MPL is open any time.
| Calamity Loan | Multi-Purpose Loan (MPL) | |
|---|---|---|
| When you can apply | Within 90 days of a calamity declaration covering your area | Any time |
| Minimum savings | 12 monthly savings | 12 monthly savings |
| How much | Up to 90% of your Total Accumulated Value (TAV) | Up to 90% of your TAV |
| Interest | 5.95% per year | 1.4583% per month, diminishing balance |
| Term | 1, 2 or 3 years (2 years if you leave it blank) | 1, 2 or 3 years (2 years if you leave it blank) |
| Grace period | 3 months | 2 months |
You can hold both at the same time. Pag-IBIG treats the Calamity Loan, the MPL and its Health and Education Loan Programs (HELPs) as separate loans, but the total of all of them can never go above 90% of your TAV.
Last checked: October 30, 2026, against Pag-IBIG forms HQP-SLF-066 (V11) and HQP-SLF-065 (V11).
Who qualifies for the Pag-IBIG Calamity Loan in 2026?
According to the current Calamity Loan Application Form, you can file if you:
- Have made at least 12 monthly membership savings. If you have fewer than 12 but your total savings equal at least 12 months at your contribution rate, you can still apply.
- Are an active Pag-IBIG member when you apply.
- Have no MPL, Calamity Loan or HELPs in default. A loan that is current is fine.
- Live in the area declared calamity-stricken, or work in a declared area. The workplace route is subject to Pag-IBIG management’s approval.
- Have sufficient proof of income.
Older copies of the form still online ask for 24 monthly savings and lend only 80%. Pag-IBIG changed both in May 2025, so use the current form.
Your contribution history shows in Virtual Pag-IBIG. For current rates, see our guide to Pag-IBIG contributions in 2026.
How much can I borrow?
Pag-IBIG approves the lowest of three amounts:
- What you ask for. You can tick “Maximum Loan Amount” on the form or name a lower figure.
- Your loan entitlement: 90% of your TAV, minus any unpaid balance on an existing MPL, Calamity Loan or HELPs.
- Your capacity to pay: the monthly payment cannot push your net take-home pay below the minimum set by the General Appropriations Act or your company’s policy.
Your TAV is your Regular Savings: your contributions, your employer’s share and dividends.
Worked example: Liza’s TAV is ₱40,000. Ninety percent of that is ₱36,000. She still owes ₱12,000 on an MPL, so her calamity loan entitlement is ₱36,000 minus ₱12,000, or ₱24,000. If she had no MPL, she could get up to ₱36,000, provided her pay can cover the monthly amortization.
Last checked: October 30, 2026, against form HQP-SLF-066 (V11), Section C.1.
What is the interest rate and how long is the loan term?
The Calamity Loan charges 5.95% per year. You choose a term of one, two or three years when you apply. If you leave the term blank, Pag-IBIG sets it at two years.
There is a three-month grace period: your first payment is due on or before the 15th of the fourth month after the loan date on the voucher. The grace period is not interest-free, though. Interest runs during those three months and is spread over the rest of the loan.
Employees pay through salary deduction; self-employed members, OFWs and other individual payors pay over the counter or through approved channels. Early full payment is allowed.
Late payments are charged 1/20 of 1% of the unpaid amount per day. Miss three straight amortizations or three straight monthly savings and the loan is in default: the whole balance becomes due and is deducted from your savings.
Last checked: October 30, 2026, against form HQP-SLF-066 (V11), Sections C.2 to C.8.
What are the requirements?
- The current Calamity Loan Application Form (HQP-SLF-066, version V11), filled in and signed. Use the version downloaded from pagibigfund.gov.ph.
- One valid ID.
- Proof of income. If you are employed, your employer fills in the Certificate of Net Pay section of the form, and the head of office or authorized signatory signs.
- A way to receive the money: a Pag-IBIG Loyalty Card Plus or disbursement card, a bank account under LANDBANK’s payroll crediting system, or a check.
- Self-employed members and OFWs cannot use the employer certificate, so bring your own proof of income. Pag-IBIG does not post a complete document checklist on the form itself, so call or ask your branch which income documents it accepts before you go.
For online filing, Virtual Pag-IBIG asks you to prepare four things: a photo or scan of both sides of the signed form (with your employer’s signature if you are employed, plus two witnesses), one valid ID with photo, a cash card (Pag-IBIG Loyalty Card Plus from AUB or UnionBank, or a LandBank cash card), and a selfie holding your valid ID. One Virtual Pag-IBIG page also asks that your cash card show in the selfie, so include both to be safe. Each upload must be 3 MB or less, as a JPG, PNG, BMP or PDF file.
How do I apply online through Virtual Pag-IBIG?
Paano mag-apply? Virtual Pag-IBIG accepts Calamity Loan applications from members whose area of residence is under a state of calamity.
- Confirm your area is covered and you are within the 90-day window.
- Download the current form from pagibigfund.gov.ph, fill it in, and get the signatures: yours, your employer’s if you are employed, and two witnesses.
- Take clear photos of the signed form, your valid ID and your cash card, plus a selfie holding the ID and card. Keep each file at 3 MB or below.
- Go to Virtual Pag-IBIG at pagibigfundservices.com/virtualpagibig, click Apply for and Manage Loans, then Apply for a Short-Term Loan.
- Enter your Pag-IBIG MID number, name and birthdate, then pick Calamity Loan as the loan type, choose your loan term, and give your mobile number and email.
- Enter the one-time PIN sent to your phone, add your Loyalty Card Plus or LandBank cash card details, upload the files and submit. Keep any reference number you are given.
- Track the status in Virtual Pag-IBIG, which lets you view the status of Calamity Loan applications. Approved loans are credited to your cash card or chosen account.
Prefer to file in person? Submit the form and documents at any Pag-IBIG branch. Processing starts only once your documents are complete. After big disasters, Pag-IBIG has also sent its mobile Lingkod Pag-IBIG On-Wheels units to affected areas to accept applications.
How do I know if my area is covered?
A calamity loan depends on an official declaration of a state of calamity for your area, made by the national government or by your local sanggunian. Declarations change with every disaster.
- Check your city, municipality or province’s official announcements for the declaration and its date.
- Watch Pag-IBIG Fund’s official website and verified social media pages. After major typhoons and earthquakes, Pag-IBIG announces calamity loan availability for affected areas.
- Count 90 days from the declaration date. That is your deadline.
Drought can lead to declarations too (see our report on El Niño farm damage), but the loan follows the declaration, not the damage.
Frequently asked questions
Can I get a calamity loan if I have an MPL?
Yes. Pag-IBIG treats the two as separate loans, so an existing MPL does not block you, as long as it is not in default. Your outstanding MPL balance is subtracted from your 90% entitlement, and all your short-term loans together cannot exceed 90% of your TAV.
Can OFWs apply for the Pag-IBIG Calamity Loan?
OFWs are covered by the form: it lists OFWs among borrowers who repay over the counter or through other approved channels. The form ties eligibility to living in, or working in, a declared area. It does not spell out the case of an OFW working abroad whose Philippine home is in a declared area, so ask Pag-IBIG through the Virtual Pag-IBIG chat or a branch before you file.
Can I apply if I’m not employed by a company?
Yes, if you are an active member with at least 12 monthly savings and you can show sufficient proof of income. Self-employed and other individual payors repay directly, over the counter or through other approved channels, instead of by salary deduction.
What happens if another calamity hits my area?
You may renew your calamity loan any time another calamity occurs in the same area. Your outstanding balance, plus any interest and charges, is deducted from the new loan before you receive the rest.
While you are building a safety net, Pag-IBIG’s voluntary savings program may help. Read our guide on how to open an MP2 account. If a disaster has also cost you your job, see our guide to the SSS unemployment benefit. For more, visit our explainers hub.
Sources
- Pag-IBIG Fund, Calamity Loan Application Form, HQP-SLF-066 (V11, 05/2025): eligibility, 90% of TAV, 5.95% interest, 1/2/3-year term with 2-year default, 3-month grace period, 90-day availment, renewal, penalties (checked Oct 30, 2026)
- Pag-IBIG Fund, Multi-Purpose Loan Application Form, HQP-SLF-065 (V11, 10/2026): MPL eligibility, 90% of TAV, 1.4583% monthly interest, 2-month grace period (checked Oct 30, 2026)
- Pag-IBIG Fund, Virtual Pag-IBIG FAQs: online Calamity Loan and MPL applications, loan status (checked Oct 30, 2026)
- Pag-IBIG Fund, Virtual Pag-IBIG Apply for and Manage Loans, Apply for a Short-Term Loan and the STL application form: menu names, loan type, upload requirements (checked Oct 30, 2026)
- Philippine Daily Inquirer, “Pag-Ibig, SSS ready calamity loan services” (July 24, 2025): Pag-IBIG’s four basic requirements (checked Oct 30, 2026)
- Manila Standard, “Pag-IBIG Fund mobilizes calamity loan for members affected by ‘Crising'” (July 2025): 90% of savings, 5.95%, up to three years, three-month grace, 90 days (checked Oct 30, 2026)
- GMA News, “Pag-IBIG hikes cash loan limit to 90% of savings” (May 2025): 90% cap and 12-month eligibility (checked Oct 30, 2026)
- Daily Tribune, “Pag-IBIG Fund rolls out calamity loan” (July 22, 2025): 5.95%, three-month grace, 90 days, Lingkod Pag-IBIG On-Wheels (checked Oct 30, 2026)
- Philstar, “Pag-IBIG offers 90% savings loan, insurance aid for quake-hit members” (Oct 3, 2025): 90% of savings, online filing, existing loans deducted (checked Oct 30, 2026)
- Rappler, “How to avail of a calamity loan from Pag-IBIG Fund”: who declares a state of calamity (checked Oct 30, 2026)
Last checked: October 30, 2026.
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