PAG IBIG Housing Loan Deed Of Sale

Buying a house is considered a significant accomplishment in the lives of Filipinos. While some citizens are able to purchase their own homes, others may struggle to finance the construction of a house. Due to the challenges in meeting basic needs, many Filipinos are forced to explore alternative ways to achieve their dream of homeownership. Fortunately, the Home Development Mutual Fund (HDMF), also known as PAG IBIG, offers a housing loan Deed of Sale to help middle-income or low-earning Filipinos purchase their own homes.

PAG IBIG assigns its members a loan amount based on the property rates, but there are certain steps that must be followed to obtain this loan.PAG IBIG Housing Loan Deed Of Sale

Guide For House Loan Deed Of Sale From PAG IBIG

Here’s a guide to help you determine which members are eligible for a sale deeds loan. To do so, please refer to the checklist and additional requirements.

Checklist Of Deed Of Sale Requirements

We are pleased to inform you that physical visits to the PAG IBIG counter are no longer necessary. You can now access your loan application online. As a result, borrowers must prepare the necessary documentation for their Deed of Sale loan.

  • Borrowers’ recent ID photo
  • Income certificate
  • Billing proof
  • Borrowers, co-borrower membership ID
  • Transfer Certificate Title
  • Real estate tax and tax declaration receipt
  • Seller to contract agreement letter
  • Postdated cheques
  • Additional certificates
  • Property vicinity map
  • HLA form submission 
  • NOA letter
  • Further OFW documents

Accomplishment Documents

The developer’s form must contain the following:

  • Deep of re-conveyance (DOR)
  • Counseling certification form (CCF)
  • Attorney in Fact (AIF)
  • Contract to Sell (CTS)
  • Buyer information sheet
  • Deed of absolute sale (DOAS)
  • Housing Loan Application (HLA)
  • Deed of assignments of SPA and CTS 
  • Special power of attorney (SPA)
  • Loan and mortgage-Agreement letter (LMA)
  • Disclosure declaration on the loan transaction
  • Lot and house acceptance certification
  • Conditional sales Deed – on takeout
  • Deeds of absolute sale

PAG IBIG gives ninety days to complete the requirements for NOA. Though, the members are allowed to accomplish these papers.

  • AG IBIG allows 90 days to complete NOA requirements
  • Members are responsible for providing necessary documents, including:
  • Attested Internal Revenue Bureau documentation
  • Capital gains tax payment slip
  • Mortgage transfer letter from Registry of Deeds
  • Tax declaration payment
  • Borrowers must obtain two copies of necessary documents from PAG IBIG and ensure they have the following:
  • Loan proceeds application
  • Stamped Deed of Absolute Sale
  • Tax real declaration contract letter
  • Resident permission letter (if applicable)
  • Borrower’s Condominium Certificate of Title
  • Borrowers may pay loan in full through postdated cheques for the entire year
  • After submitting the necessary documents, borrower will receive their loan from PAG IBIG to pay for housing costs and continue with home construction.

Amortization Payment For Deed Of Sale

Once you become a member of the Deed of Sale loan program, the last step is to repay the loan amount. Fortunately, PAG IBIG has made this process easy by providing a loan amortization schedule and a calculation tool. You can also update your payment information using our online software. This will give you a detailed report of all your payments and amortizations, including due dates. With PAG IBIG’s help, you can now achieve your dream of building your own home. The road to homeownership is now within reach.


The PAG IBIG Housing Loan Deed of Sale is a legal document that serves as proof of the transfer of ownership of a property from the seller to the buyer.PAG IBIG Housing Loan Deed Of SaleThis document outlines the terms and conditions of the sale, including the purchase price, payment terms, and other pertinent details. It is a crucial document that both the buyer and the seller must sign to formalize the transaction and ensure that all legal obligations are fulfilled.

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