HQP-HLF-732

(V03, 02/2024)

CHECKLIST OF REQUIREMENTS FOR Pag-IBIG HOUSING LOAN

UNDER RETAIL ACCOUNTS
(Purchase of Lot with House Construction/
Purchase of Residential Unit with Home Improvement/
Purchase of Lot with House Construction and Transfer of Title/
Purchase of Residential Unit with Home Improvement and Transfer of Title)

REQUIRED DOCUMENTS
1. Duly accomplished Housing Loan Application (HLA, HQP-HLF-068/069) with recent 1” x 1” ID photo of borrower/co-borrower/s (if applicable) (2
original copies). Computer generated or photocopied picture is not acceptable.
NOTE: For employers who are requiring their employees of an authorization letter allowing said employer to disclose employment information to Pag-IBIG Fund,
the member-applicant shall execute a letter in the format being required by his/her employer.
2. Proof of Income (see details in the back).
3. One (1) Philippine Government valid ID with signature (1 photocopy, back-to-back) of Principal Borrower and Spouse, Co-Borrower/s and
Spouse/s, Seller/s and Spouse/s, and Attorney-in-Fact (if applicable)
4. In case of discrepancy in personal details of Principal Borrower and Spouse, Co-Borrower and Spouse, Seller/s and Spouse/s (e.g. name, date
of birth), Notarized Affidavit of Two Disinterested Persons (1 original copy and 1 photocopy)/Affidavit of Discrepancy (1 original copy and 1
photocopy), PSA Birth Certificate and One (1) Philippine government valid ID of two (2) Affiants (photocopy)
5. Latest title in the name of living seller/s i.e. Original Certificate of Title (OCT)/ Transfer Certificate of Title (TCT)/ Condominium Certificate of
Title (CCT)etc.). (2 complete photocopies of all pages of the title)
✓ In case of lot
a. with minimum lot area of 28 square meters
b. with access road, minimum width of 1.5 meters
c. minimum lot width frontage of 3.5 meters
✓ In case of Condominium Unit, with minimum floor area of 18 square meters. If less than 18 square meters, submit Single Occupancy Permit
from DHSUD.
✓ Must be free from liens and encumbrances.
7. Updated Tax Declaration (House/s and Lot/s) classified as residential and Updated Real Estate Tax Receipt/s as of the quarter immediately
preceding the date of application. (2 photocopies)
8. Contract-to-Sell or similar agreement between the buyer and seller/s. (1 original copy)
9. Building Plans, Specification/Scope of Works with Bill of Materials duly signed by the Owner/s and Licensed Civil Engineer or Architect. (1
original copy)
10. Vicinity Map/Sketch of the location of property showing landmarks. (1 original copy)
If with Representative/Attorney-in-Fact
(Pag-IBIG Fund shall conduct identity validation of both the borrower/spouse or seller/spouse and Representative/Attorney-in-Fact (AIF)
and confirmation of the appointment of the Representative/AIF)
▪ Duly Accomplished Authorized Representative Information Sheet (ARIS, HQP-HLF-913) with recent 1” x 1” ID photo of Authorized
Representative
▪ Notarized Special Power of Attorney (SPA) of the borrower/s and/or spouse/s or seller/s and/or spouse. (1 original copy, 1 photocopy)
For OFW Members
✓ For SPA executed and notarized in the Philippines, include a photocopy of passport/seaman’s book reflecting the entry date and/or exit
date to/from the Philippines (1 original copy, 1 photocopy)
✓ For documents executed abroad (1 original copy, 1 photocopy)
▪ For Non-Apostille Countries
- SPA duly authenticated by a Philippine Consular Officer, or SPA notarized by a local notary (of the country where the member is
working) but duly authenticated by a Philippine Consular Officer
▪ For Apostille Countries
- Apostille SPA
▪ Proof of relationship of Borrowers (i.e., PSA Birth Certificate/ Marriage Certificate) (1 photocopy)/Conformity on the Pag-IBIG Housing
Loan (For Principal and Co-borrowers who are Non-Relatives) (HQP-HLF-199) (Whichever is applicable)
If with outstanding Housing Account with Pag-IBIG Fund
▪ Conformity on New/Subsequent Housing Availment (HQP-HLF-409) with signature of other borrower/s of the existing housing account on
the “Conforme” portion of the notice signifying their consent and awareness to the policies on availment of multiple housing in Pag-IBIG Fund. (1
original copy)
NOTES:
a. In instances wherein photocopies are submitted, the original document must be presented for authentication.
b. In instances where consent is given by thumbmark, submit a Medical Certificate with the Physician’s valid ID. Applicable documents
must be notarized with two (2) witnesses to the thumbprint, and a valid ID with signature must be attached.
 HQP-HLF-732
(V03, 02/2024)

REQUIRED DOCUMENTS
INCOME DOCUMENTS For Overseas Filipino Workers (OFWs) any of the following:
For Locally Employed, any of the following: a. Employment Contract duly certified by Department of Migrant
a. Certificate of Employment and Compensation (CEC), indicating Workers, Philippine Consular Office at Host Country within the past 12
the gross monthly income and monthly allowances, or monthly months
monetary benefits received by the employee (1 original copy) ▪ Valid Employment Contract between employee and employer (1
duly signed by the authorized signatory of the employer. For photocopy); or
system-generated CEC, the signature of authorized signatory of ▪ Valid Department of Migrant Workers Standard Contract (1
the employer must be reflected in the said CEC. photocopy)
b. Latest Income Tax Return (ITR, BIR Form No. 2316) for the b. Certificate of Employment and Compensation (CEC) within the past 12
year immediately preceding the date of loan application, months
duly acknowledged by the BIR or authorized representative of ▪ CEC written on the Employer/ Company’s official letterhead (1
employer. (1 photocopy) original copy); or
c. One (1) Month Payslip, within the last three (3) months prior to ▪ CEC (1 original copy) signed by employer (for household staff and
date of loan application with name and signature of the similarly situated employees) supported by a photocopy of the
authorized signatory of employer. (1 certified true copy) employer’s ID or passport
NOTE: For government employees who will be paying their loan The applicant should submit any of the following documents to
amortization through salary deduction, the original copy support/supplement the income documents mentioned above:
of one (1) Month Payslip, within the last three (3) ✓ Payslip indicating income received and period covered (1
months prior to date of loan application, must be photocopy)
submitted together with CEC or ITR as mentioned ✓ Valid OWWA Membership Certificate (1 photocopy)
above. ✓ Valid Overseas Employment Certificate (1 photocopy)
For Self-Employed, any of the following: ✓ Valid Passport with appropriate visa (Working Visa) (1 photocopy)
a. ITR (BIR Form No. 1701) (1 certified true copy) duly certified by ✓ Valid Residence card/permit (permit to stay indicating work as the
BIR, Certificate of Registration issued by the BIR, Audited purpose) (1 photocopy)
Financial Statements (1 photocopy), and Official Receipt of tax ✓ Bank remittance record (1 original copy)
payment from bank supported with DTI Registration and NOTE: If documents are in foreign language/s, English translation is
Mayor’s Permit/Business Permit (1 photocopy) and sketch of required.
business location (detailed with landmarks). FOR PROPERTIES PURCHASED FROM A DEVELOPER/
b. Commission Voucher (1 photocopy) or Certification of CORPORATION/ ASSOCIATION
Commissions Received (for the last 12 months) (1 original ✓ License to Sell and Certificate of Registration (applicable to developer
copy) reflecting the issuer’s name and contact details only) (1 photocopy)
(including email address) ✓ Secretary’s Certificate on the Authorized Signatory of the
c. Bank Statements (1 original copy) or passbook (1 photocopy) Developer/Corporation/Association (1 photocopy)
for the last 12 months (in case income is sourced from ✓ One (1) valid ID of the Corporate Secretary and Authorized Signatory of
pensions, foreign remittances, etc.) with authorization from the the Developer/Corporation/ Association (1 photocopy, back-to-back)
depositor to conduct bank verification indicating the following INSURANCE COVERAGE
information (account name, type, number, opening date, a. Health Statement Form (Medical Questionnaire) (1 original copy)
depository bank, signature over printed name of depositor and ▪ For borrowers over 60 years old
details of credit investigator from Pag-IBIG Fund). ▪ For borrowers up to 60 years old, if loan is over P2.0M to P6.0M
d. Notarized Lease Contract and proof of ownership or rights over b. Health Statement Form (Medical Questionnaire) (1 original copy) and
the property subject of lease (if income is derived from rental copy of the result of medical examination conducted prior to assignment
payments). (1 photocopy) overseas as required by the employment agency (1 photocopy)
e. Certified True Copy of Transport Franchise issued by ▪ For OFW borrowers over 60 years old
appropriate government agency (LGU for tricycles, LTFRB for
other PUVs, MARINA for sea transportation) and valid Official
Receipt (OR)/Certificate of Registration (CR). (1 photocopy)
f. Certificate of Engagement (HQP-HLF-111) issued by owner of
business/person availing of the services or Barangay Captain
or Barangay Secretary with written authorization from the
Barangay Captain (1 original copy)
g. ITR BIR Form No. 1701 (1 certified true copy) duly certified
by BIR, for fees on professional services,
commissions or services rendered (for the last 12 months).
NOTE: The applicant may submit ITR BIR Form No.
2307 (1 photocopy) to support/supplement the income
document mentioned above.
NOTES:
a. In instances wherein photocopies are submitted, the original document must be presented for authentication
b. In instances where consent is given by thumbmark, submit a Medical Certificate with the Physician’s valid ID. Applicable documents
must be notarized with two (2) witnesses to the thumbprint, and a valid ID with signature must be attached.