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The Home Development Mutual Fund (HDMF), more popularly known as the Pag-IBIG Fund, was established to provide a national savings program and affordable shelter financing for the Filipino worker. The Fund offers its members short-term loans and access to housing programs. It is mandatory for all SSS- and GSIS-covered employees; uniformed members of the AFP, BFP, BJMP and PNP; as well as Filipinos employed by foreign-based employers.

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Qualifications and Requirements


Membership shall be mandatory for the following:

  • All employees, workers, professionals, officers and companies who are compulsorily covered by the SSS and GSIS
  • Uniformed members of the Armed Forces of the Philippines, the Bureau of Fire Protection, the Bureau of Jail Management and Penology, and the Philippine National Police
  • Overseas Filipino Workers (OFW)
  • Filipinos employed by foreign-based employers, whether deployed locally or abroad
  • Membership to the Fund is also open to the following:
  • Non-working spouses of Pag-IBIG members
  • Filipino employees of foreign government or international organization, or their wholly-owned instrumentality based in the Philippines, in the absence of an administrative agreement with the Fund
  • Employees of an employer who is granted a waiver or suspension of coverage by the Fund under RA 9679
  • Leaders and members of religious groups
  • A member separated from employment, local or abroad, or ceased to be self-employed but would like to continue paying his/her personal contribution
  • Public officials or employees who are not covered by the GSIS such as barangay officials
  • Filipinos naturalized in other countries


General Requirements


Registration of Employers and their Employees


  • Two copies of the Membership Contribution Remittance Form (MCRF)
  • Members Data Form (MDF) of the employees
  • If private employer, Certificate of SSS Coverage and Compliance (for the current year)
  • If government employer, GSIS Certificate of Membership


For Sole Proprietorship


  • DTI Registration
  • Mayor’s Permit/Business Permit


For Partnership/Corporation


  • SEC Registration
  • Articles of Partnership/Incorporation and by-laws


For first-time member companies


  • Two copies of the Membership Contribution Remittance Form (MCRF)
  • Two photocopies of SEC registration/DTI and SSS registration


Individual payers/voluntary members


  • Two copies of Members Data Form (MDF)
  • Payment Order Form (POF)


For self-paying (waived company)


  • Certificate of Employment and Compensation
  • Latest pay slip
  • Company ID


For self-employed


  • Latest Income Tax Return
  • Two 1 x 1 ID pictures
  • SEC or DTI Registration
  • Business Permit or Mayor’s Permit


Operators or franchise holders


  • Franchise Permit (under the member’s name)
  • Latest Income Tax Return
  • Valid Contract of Employment
  • Passport or any valid ID
  • Two 1 x 1 ID pictures


Unemployed Spouse


  • Written consent from spouse
  • Affidavit of Unemployment
  • Two 1 x 1 ID pictures



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