10.24.2014

Pag-ibig Payment Deadlines

Updated January 31, 2018

Here's information on Pag-ibig payment deadlines:

EMPLOYEE CONTRIBUTIONS and LOAN PAYMENTS

Deadline for Remitting Employee Contributions and Loan Payments
(Mandatory Savings or Pag-ibig 1, and Pag-ibig 2 or MP2)

Your employer should remit your savings to Pag-ibig Fund on or before these dates:


First Letter ofPayment Deadline
Employer
or Business Name        
A to D10th to the 14th day of the month
following the applicable month
E to L15th to 19th day of the month
following the applicable month
M to Q20th to 24th day of the month
following the applicable month
R to Z, 0 to 925th to end of the month
following the applicable month

Penalties for Late Remittances by Employers:
1/10 of 1% of the amount due, per day of delay starting on the day immediately following the due date until the date of full settlement


CONTRIBUTIONS and LOAN PAYMENTS
by VOLUNTARY, SELF-EMPLOYED or OFWs

If you're paying Monthly:
On or before the 10th day of the month following the applicable month

If you're paying Quarterly:
On or before the 10th day of the month following the applicable quarter

IMPLEMENTING RULES AND REGULATIONS OF REPUBLIC ACT NO. 9679, July 21, 2009 Or the “Home Development Mutual Fund Law of 2009, otherwise known as Pag-IBIG (Pagtutulungan sa kinabukasan: Ikaw, Bangko, Industriya at Gobyerno) Fund”
RULE VII
COLLECTION AND REMITTANCE

Section 4. Remittance of Contributions by Self-employed and Voluntary Members. Self-employed and voluntary members may remit their monthly contributions on a monthly or quarterly basis, provided that in the latter case payments shall be remitted before the 10th day of the beginning month of the succeeding quarter. Monthly remittances shall be made directly to the Fund before the 10th day of the following calendar month.

Note:
Bayad Center, SM Business Center and other collectors accept payments only during the current month or the current quarter being paid.

If you're paying Monthly, your deadline is the last day of the month.
If you're paying Quarterly, your deadline is the last day of the quarter.

PAG-IBIG HOUSING LOANS

Monthly deadline is based on Date of Release of Loan Proceeds

First payment is one month after date of release of loan proceeds

References:
  -- IRR of Republic Act (RA) No. 9679 or Home Development Mutual Fund Law of 2009
  -- Home Development Mutual Fund Citizen's Charter, November 2011
  -- HDMF Circular No. 274, Revised Guidelines on Pag-ibig Fund Membership, pursuant to RA 9679 and its Implementing Rules and Regulations, January 7, 2010
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35 comments:

  1. hi.. is the deadline for remitting pag-ibig contributions is 25th day of the same moth or the succeeding month?
    Example is kung for September ung nacollect, 25th day ng september dn ang deadline or the succeeding month na?

    ReplyDelete
    Replies
    1. Pag-ibig remittance deadline: You're right, for those whose first letter is R to Z or ) to 9, the remittance deadline is the 25th day or last day of the following month. For September collections, they should be remitted on or before Oct 31.
      This is based on an Inquirer news item.
      Kasi yong sa MCRF form nila, "of the month" lang ang nakasulat. Pero I think "the following month" ang tama dahil sa IRR ng Pag-ibig for voluntary ay "the following month."

      Delete
  2. Hello, ask ko lang po, Di ako nahulugan ng employer ko June-Aug 2016 ng contribution, then lumipat ako ng work last sept 2016, nahulugan na ng bago kong employer yung sep 2016 pero yung June-Aug 2016 wala hulog from previous employer... pwede po ba ako nalang maghulog nun?

    ReplyDelete
    Replies
    1. Pag-ibig contributions not paid by employer: Sorry Pag-ibig does not accept late payments for contributions from individuals.
      If you like to save more, you can ask your new employer to deduct 50 or 100 pesos more from you, so your total Pag-ibig contributions will be 250 or 300.
      Or you can register to save with Pag-ibig MP2.

      Delete
  3. ask lang po, due date na po yong loan ko this month november 2016 at may penalty na po, paano q mabayaran yong balance? i am employed po but my loan deduction is every 3rd of the month?

    ReplyDelete
    Replies
    1. Hi Hazel: Yong payroll deduction mo for the month ay ire-remit ng employer mo the following month (their deadline depends on the first letter of their company name), so hindi siya nale-late at dapat walang penalty.
      If you mean you like to pay your balance in full, you can go to Pag-ibig and ask for computation of your loan balance, and then pay it right away after computation.

      Delete
    2. Hi Hazel, I mean go to your Pag-ibig branch, the branch where your employer submits their remittances

      Delete
    3. Ask ko lang po monthly po kasi ang payment ko self employed po. Every 10th or 14th of the month po nakalagay. Ofw din po husband ko. Ok lang po kaya if I pay ng every katapusan monthly? For my contributions and sa husband ko din po ofw. Salamat po sa tutugon.

      Delete
  4. Ask lang po , wala po kasi akong employer since january 2016 hanggang october 2016 and ang only contribution ko lang for this year is the december which is the last month only ... Gusto ko po sana bayaran yung january to November contribution ko pra po walang lapse ung contribution since dec.2015 ang last payment from my previous company ???
    pwede po ba yun??? please respond

    ReplyDelete
  5. Is it possible for us couple to get pre qualified for a housing loan? We would like to know how much our capacity to pay will grant us a housing loan. We plan to look for houses only within the Pagibig Loan that we could secure.

    ReplyDelete
  6. Housing loan remittance po mekan po deadline kung ang employer a Province of .....

    ReplyDelete
  7. hello! ung loan ko was processed by my Real estate Developer, i gave them 12 post dated checks last year. then i lost track sa months, end na pala ng Jan. 2017, so di ako nakabayad ng feb. pano ko po pede isettle ung payment? and how much kaya is mu penalty? thank u

    ReplyDelete
  8. Hi maAm want to ask kc last hulog q is dEc pwd pb aq mgHulog january to march voluntary po aq thanks

    ReplyDelete
  9. Hi po. paano po computation ng penalty kung hindi ka nagbayad ng contribution. sample june 2016 tapos magbabayad ka palang ng May 19, 2017.

    ReplyDelete
  10. hi po, ask ko lang po if pwede pang mahulugan yun april-june2017 na contribution? kasi yun last na nabayaran ko ay jan-march (dated ng january 27 sa resibo) sa bayad center lang kasi ako nagbayad eh.. pero pagcheck ko sa data ko sa pag-ibig walang pumasok na jan-mar 2017 na contribution ko? paano kaya iyun?

    ReplyDelete
    Replies
    1. same thing goes with me, hindi pumasok yung ibang payment ko thru bayad center as i check online. nag ask ka na ba sa office? ty

      Delete
  11. Gud day....plano ko po sana mgrenew ng mpl loan ..possible po kaya nkapost n po yung last payment ko sa loan this August.. Kasi po nkaltas n po sa sahod ko nung first cut off.. If magloan po ako maleless po kaya yun sa remaining balance ko po?

    ReplyDelete
  12. Hi. Im self employed. I was registered last nov. 2015. I failed to pay the contribution last year. Pwde po ba bayaran siya today? If my penalties po, how much po kaya? 1000php po yung monthly contribution ko.

    ReplyDelete
  13. Hi! I am an OFW. Before I left to Philippines I paid my contribution last February for quarterly that's for until March then, I have decided to just pay the rest of the months as whole this December could it be possible? What if I have failed to pay this month could it be possible to pay in Jaunuary? Your reply would be appreciated. Thank you

    ReplyDelete
    Replies
    1. Hi Rachel: Yes, Rachel, in December, you can pay for Oct Nov and Dec. You can also pay for Apr to Sep (6 months), but it will be posted as a single payment in Dec. For example, if you like to pay 500 pesos a month (6 months will be worth 3,000 pesos), this 3,000 pesos will be posted as a single payment in Dec. Even if it's like this, don't worry because the annual dividends will be applied to your total savings for the year.
      If you pay at Pag-ibig's OFW counters, you can ask about their payment policies. If you pay at Bayad Centers, or SM Business Centers, they accept only payments for the current month or current quarter.

      Delete
  14. Hello
    How much contributions po monthly for unemployed? or voluntary? tnx

    ReplyDelete
    Replies
    1. Hi Christine: Ang minimum monthly contribution para sa unemployed or voluntary ay 200 pesos. Puedeng more than 200 pesos if you like to save more. Basically, walang maximum limit. Hindi rin required na the same amount every month.

      Delete
  15. Hi, just wanna ask when is the deadline for quarterly payment for the month of Jan, Feb & March of this year 2018. I usually pay our contribution (voluntary & ofw) monthly, pero now I wanna pay by quarter na po sana.

    ReplyDelete
    Replies
    1. Hi Doris: For the Jan Feb March quarter, payment deadline is April 10, sa Pag-ibig branch mismo. Pag sa Bayad Center, your deadline is March 31.

      Delete
    2. Thanks for the quick response!

      Delete
  16. Hi ask lang po paano po kapag hindi nabayaran ang contribution ng January 2018 dahil po ayaw tanggapin ng bancnet kapag hindi MID# meron po kaming mga tao na hindi nabayaran dahil wala pa pong Mid # ng subukan ko pong bayaran sa egov ngayon invalid file daw po dahil sa period cut off kasi trinay ko ilagay sa january pero for the month of february na kasi ang dapat bayaran ngayon March 2018..dapat po ba sa pag ofis na po ba sya babayaran at may penalty na po ba sya kasi ang due date po dapat feb 19 2018.Sana po masagot po ninyo ang tanong ko salamat po...

    ReplyDelete
    Replies
    1. Late payments: Oo dapat sa Pag-ibig office na babayaran kasi they will compute the penalties. Pero tanungin nio rin doon kung puedeng walang penalties kasi yong reason ng late payment ay wala pang MID# yong employees.
      Try mo ring tumawag sa Pag-ibig kung puedeng ihalo na lang sa February yong Jan contribution (para hindi na pupunta sa Pag-ibig office), kasi ang reason naman is wala pang MID# yong employee

      Delete
  17. Hi! What if corporate account and we haven't remit yet the contributions of some employees due to missing MIDN, could those still be remitted the following month? Thank you in advance.

    ReplyDelete
    Replies
    1. Puede naman sanang RTN ang nagamit kung wala pang MID at kung ang remittance ay sa branch.
      Sorry hindi ko alam kung kinoconsider nila ang no-MID na valid reason para walang late penalties. Sa branch na lang mag-remit para matanong nio na rin kung paano iremit yan at kung merong penalties.

      Delete
  18. Good day po. Ask ko lang if ang DATE LOAN GRANTED AY JANUARY 27, 2018? kelan ko po start ng deduction ko? Employed po ako. thank you

    ReplyDelete
    Replies
    1. Dapat yong first payment mo ay ma-remit sa 3rd month after check date, so dapat ma-remit sa April remittance ng employer mo, so dapat mag-deduct na sila sa March payroll.

      Delete
  19. Hi good day p0h. I asked my sister to pay may pag ibig contribution for the whole year of 2018 today. and according to Pag-ibig office only the month of March onwards she can pay.Nagbago na ba ang policy ng Pag-ibig?OFW poh ako...bkit di na pwede bayaran ang month of january and february?as far as i know poh may consideration sa ofw regarding sa schedule ng payment. Thank you.

    ReplyDelete
  20. OFW payments: Dapat tinanggap ang Jan-Dec 2018 payment mo kasi April 6 pa naman. Based on the quarterly payment rule, puede pang bayaran ang Jan to March quarter, up to Apr 10. Ewan bakit ganun ang sabi ng Pag-ibig officer na yon. Anyway, sana ibinayad na rin ng sister mo lahat na ibinigay mo kahit na-spread out na sa Mar to Dec. Anyway naman, ang pag-credit ng dividends ay yearly. When I have time, I'll call Pag-ibig to ask how they compute annual dividends, kung cumulative ba ang pag-credit, o yong simple annual lang.

    ReplyDelete
  21. Hello Mam Nora. Do you happen to know if pwede ba magbayad in advance? For instance, can I pay for the rest of the year? Thanks!

    ReplyDelete
  22. Ofw po ako.. Nkbayad po ako pagibig last yr. And gusto kp po bayaran fs yr dn. 1 yr ko po kasi bnbyrn lagi.. At sa agibig 2, nkbayad o ako march 2018.. Pwede ko po b bayaran april up to ds month? Thank u

    ReplyDelete

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