How to Check Pag IBIG Number Easily [Step-by-Step Guide]

Looking to register for How to check  Pag-IBIG number  in Now, you can conveniently get your registration number online through the Pag-IBIG Online Registration system. This hassle-free process allows you to complete your registration without leaving the comfort of your home. So, if you’re looking for a quick and easy way to get your Pag-IBIG registration number, the Pag-IBIG Online Registration system is the perfect solution.

What exactly is the Pag-IBIG Fund?

The “Home Development Mutual Fund” (HDMF) is a government program in the Philippines that combines savings and housing. It is commonly known as Pag-IBIG, which is short for “Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya, at Gobyerno” (which translates to “Cooperation for the Future: You, the Bank, Industry, and Government”). Initially established to promote saving habits among Filipinos, the program was later required to provide more housing loan opportunities starting in 1979.

What are the advantages of being a Pag-IBIG member

Here are the main benefits of qualified Pag-IBIG members:

Housing Loans

Most people in the country associate Pag-IBIG with housing loans as it is the most economical way to purchase a home. By availing a housing loan through Pag-IBIG, borrowers can enjoy lower interest rates and longer payment terms of up to thirty years.

There are two types of housing loans that members can obtain: the Regular Housing Loan, which allows borrowing up to 6 million pesos at an annual interest rate as low as 5.375%, and the Affordable Housing Loan, which allows borrowing up to 750,000 pesos at an annual interest rate starting at 3%.

The borrowed amount can be used for the purchase or construction of a house (and lot), or even for refinancing an existing house loan.


To honor the program’s original purpose, members have the option to use it as a means to save for their future. Pag-IBIG offers two types of savings programs: the regular Pag-IBIG Savings I, which is typically deducted from payroll or paid through designated channels, and the voluntary Modified Pag-IBIG II (MP2) Savings, which provides higher dividends.

Both programs are tax-free and backed by the government, meaning that there is minimal risk of losing one’s investment. Additionally, there is no set limit to the amount that members can save in either program. For those interested in the MP2 program, savings can start from as little as 500 pesos per month.

Short-Term Loans

It’s amazing that with Pag-IBIG’s savings programs, you can borrow up to 80% of your total savings. The annual interest rate for loans is usually as low as 10.5% and can be used for tuition payments, home improvements, and medical bills. For areas that are under a state of calamity, the interest rate is even lower at 5.95% annually.

It’s possible to avail of both types of loans, but the approval may depend on your outstanding balance. This means that you may not get the full amount of the calamity loan that you want to borrow.

Apart from savings and loans, members can also enjoy discounts and rewards from participating establishments in the country. For instance, if you apply for a Pag-IBIG loyalty card, you can use it to get discounts when you take tests at Hi-Precision laboratories.

Who can be Pag-IBIG members?

To enjoy the advantages of Pag-IBIG, you must first become a member. This can be achieved through one of the following methods:

1. Mandatory Membership

The Pag-IBIG Fund law, as stated in R.A. 9679, mandates membership for certain groups of individuals.

Private employees of private companies, regardless of their employment status, are required to be members if they are below 60 years old, regardless of whether they have an SSS membership or not.

Government employees, including public officials who are GSIS members, such as members of the Armed Forces of the Philippines, Philippine National Police, and Bureau of Fire Protection, are also required to be members.

Overseas Filipino Workers (OFWs), both land-based and sea-based workers, are also required to make monthly contributions to get their Overseas Employment Certificate.

Self-employed professionals, such as freelancers, athletes, entrepreneurs, and other individuals who earn at least 1,000 pesos per month and are below 60 years old, are also mandated to become members.

Even household workers, including drivers, maids, and gardeners who earn at least 1,000 pesos per month, are required to be members.

2. Voluntary Membership

  • Individuals not part of mentioned groups can become a Pag-IBIG member as a voluntary member
  • Voluntary membership open to Filipinos and foreign nationals aged 18-65
  • Eligible categories for voluntary membership:
    • Non-working spouse who consents to Pag-IBIG membership
    • Former Pag-IBIG members earning passive income or allowances
    • Public employees without GSIS membership, including barangay chairpersons and SK members
    • Expatriates under 60 years old living and working in the Philippines (mandatory until 2019)
    • Students over 18 years old
    • Unemployed Filipinos, such as recent college graduates who want to contribute monthly payments
    • Anyone of appropriate age, including immigrants, cooperative members, trade union members, and religious leaders and members:To avoid confusion in the age limit:
    • Members who are required to join can only remain members until they reach the age of 60.

Members who choose to join can be of any age between 18 and 65.How to register for Pag-IBIG online?To register for Pag-IBIG for the first time and you don’t have a membership ID number, you can use their online portal. If you are an employee, you may not need to register yourself as the HR department of your company will handle it for you. Follow these steps to use the Pag-IBIG online portal: go to the portal’s new registration page, provide the necessary details on the online membership registration form, enter the captcha code, and click the “Submit” button below the form.

How to register for Pag-IBIG online?

Individuals who are interested in signing up for Pag-IBIG for the first time and do not have a membership ID number can register using the organization’s online portal.

If you are employed, the HR department of your company may handle your registration, so you may not need to register yourself.

To use Pag-IBIG’s online portal, follow these steps:

  • Go to the new registration page on the portal
  • Fill out the online membership registration form with your information
  • Enter the captcha code
  • Click the “Submit” button located below the form.

On the next page:

● Indicate if the name you used earlier is the same as the one in your birth certificate

● Enter the names of your father and mother (maiden)

● Click the “Next” button to continue

● Make sure to enter your birth place, civil status, and gender

● Other details are optional

● Click again the “Next” button once you’re done

For the contacts part:

● Enter your email address

● Enter your contact number into the appropriate form

● Click the “Next” button

● Click the “Add Heirs” button and fill out the form

● Click “Next” once you’re done or if you want to skip this step

Important Notes About the Registration

Registering may require a significant amount of time, particularly if you need to input extensive information. It is crucial to refrain from taking breaks while the registration window is open, as the system will terminate the session automatically if you remain inactive for 15 minutes. This is a security measure to safeguard your data from erroneous input by anyone who may access your device in your absence. If you need more time, ensure that you enter some data in any of the forms within the allotted 15 minutes to prevent restarting the process.

1. Make sure all the details entered are correct

It is important to ensure that the information provided is both accurate and timely in relation to the aforementioned item.

When conducting a transaction with Pag-IBIG, personal information is required to verify your identity.

If incorrect information was entered during registration, this could cause a delay or even prevent the transaction from being processed, which may affect your ability to apply for loans and benefits.

Regrettably, it will be necessary to rectify any errors in your membership before you can take advantage of the loans and other benefits.

2. Take note of your RTN and MID numbers

Throughout your life, you will frequently use your registration tracking number and membership identification number, especially the latter. For instance, when you switch to a new company, the HR department will require your MID number to update your Pag-IBIG membership. However, if you do not possess these numbers, you will need to reach out to Pag-IBIG directly or visit their office to acquire your MID number.

Frequently Asked Questions: Pag-Ibig Online Registration

“Below are responses to frequently asked questions regarding Pag-IBIG and its online registration procedure:”

1. What’s next after Pag-IBIG online registration?To put it differently, obtaining your membership identification number through the registration process does not officially initiate your Pag-IBIG membership. To fully activate your membership and gain access to the benefits, you must begin making monthly contributions.

2. How to update Pag-IBIG membership online?

Regrettably, it is not possible to modify your Pag-IBIG membership particulars via the program’s online portal. Thus, it is vital to ensure that all the information you provide during registration is accurate.

To update your membership information or any other details, you must go to the nearest Pag-IBIG office and request to make the changes.

When visiting the Pag-IBIG office, make sure to bring the member’s data form (MDF) that contains your registration tracking number (RTN).

3. Are there any requirements when applying for Pag-IBIG online?

During the registration process, Pag-IBIG does not ask for any information, but it is important to ensure that the details you provide are accurate. Having your birth certificate available can be helpful, as the information you provide must match the details on that document.”

4. How to verify Pag-IBIG number?

You can request your Pag-IBIG membership identification number or MID through any of the following three methods:

You can request your Pag-IBIG membership identification number or MID through any of the following three methods:

  • Through SMS
  • Pag-IBIG Hotline

Office Visit

5. Are there fees when registering for Pag-IBIG?
Registering for a Pag-IBIG membership through the program’s online portal does not involve any fees.

6. How to recover lost Pag-IBIG tracking number?

To find your registration tracking number for Pag-IBIG, start by checking your phone’s inbox for a text message from them. If you can’t find it there, you can try other methods listed in step #4, such as contacting Pag-IBIG through SMS, their hotline, or visiting their office.

Bullet points:

  • First, check your phone’s inbox for a text message from Pag-IBIG
  • If you can’t find it, try these other methods listed in step #4:
    • Send an SMS to Pag-IBIG
    • Call their hotline

Visit their office

7. How to print Pag-IBIG MDF form?

Upon completing the registration process, you will be presented with the opportunity to print the MDF form. However, if this window has already passed, your sole alternative would be to go to the nearest Pag-IBIG member services office and request a printed version of your MDF.

8. Can I now get a Pag-IBIG loan after registering?

Regrettably, Pag-IBIG loans do not operate in such a manner. You are ineligible for a loan following your registration or even after paying a few monthly contributions. At a minimum, you must make 24 monthly contributions and meet the other necessary criteria before you can apply for a loan.

Online Registration with Pag-IBIG

The process of applying for a Pag-IBIG membership has become easier with the program’s online portal. While you need to keep in mind not to remain inactive for more than 15 minutes, the process is otherwise smooth and straightforward. Remember to take note of your registration tracking number and membership identification number as you’ll need them frequently. If you’re looking for reliable hosting for your business’s employees, consider which offers affordable pricing and excellent features.”

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