Pag-IBIG Housing Loan Requirements 2026: Your Checklist for Condo Ownership in the Philippines

Owning a home is the ultimate Filipino dream. Whether you are looking for a family home in Milan Residenze Fairview, a bachelor pad in Vivaldi Residences Cubao, or an investment unit in Vivaldi Residences Davao, investing in real estate Philippines is one of the smartest financial moves you can make in 2026. 

Before You Begin: Check Your Budget 

You don’t need to visit the Pag-IBIG office just to get an estimate of your monthly payments. We have made it easy for you to plan your finances right from your phone. 

Try our Euro Towers x Pag-IBIG Home Loan Calculator. 

Simply enter your desired loan term (up to 30 years) and the loan amount to see a projected monthly amortization. This tool helps you decide which unit—Studio, 1-Bedroom, or Combined—best fits your salary.
 

Click Here to Use the Loan Calculator 

Now that Euro Towers International Inc. is officially Pag-IBIG Accredited, (Read more in our previous article: Euro Towers Now Accepts Pag-IBIG and Card Payments for RFO Units (2026) that dream is closer than ever. We have bridged the gap between premium condo living and affordable government financing. 

To help you get started, we have compiled a complete checklist of requirements. Preparing these documents early can fast-track your move-in to your new home. 

1. The Eligibility Check (Am I Qualified?) 

Before gathering documents, ensure you meet the basic criteria set by the Home Development Mutual Fund (Pag-IBIG): 

• Active Member: You must have at least 24 monthly savings (contributions). Tip: You can pay a lump sum to catch up if you are new! 
• Age: Not more than 65 years old at the date of application and not more than 70 years old at the date of loan maturity. 
• Legal Capacity: Must have the legal capacity to acquire and encumber real property. 
• Clean Record: No outstanding Pag-IBIG short-term loan in arrears and no foreclosed Pag-IBIG housing loan. 

2. Standard Requirements (For All Applicants) 

These are the basics you need whether you are buying a Condo in Quezon City or a unit in the south. 

• Housing Loan Application (HLA): Two (2) copies with recent ID photos of the borrower (and co-borrower, if applicable). 
• Proof of Income: (See Section 3 below). 
• Valid IDs: One (1) valid ID (Photocopy, back-to-back) of the Principal Borrower and Co-Borrower. Accepted IDs: Passport, Driver’s License, UMID, PRC ID, etc. 
• Vicinity Map: Sketch of the property location (Provided by Euro Towers). 

3. Income Requirements (Choose Your Category) 

This is usually the most critical part of the application. 

A. For Locally Employed 

1. Certificate of Employment and Compensation (CEC) indicating gross monthly income and monthly allowances. 
2. Latest Income Tax Return (ITR) for the year immediately preceding the date of loan application. 
3. One (1) month payslip (most recent). 

B. For Self-Employed / Business Owners 

1. ITR, Audited Financial Statements, and Official Receipt of tax payment from the previous year. 
2. Commission Vouchers (if applicable). 
3. Bank Statements or Passbook for the last 12 months. 
4. Mayor’s Permit or Business Permit. 

C. For OFWs (Overseas Filipino Workers) 

1. Employment Contract (Employment Offer, Letter of Engagement, or Appointment Letter). 
2. Certificate of Employment and Compensation (CEC). 
3. Special Power of Attorney (SPA): Notarized by the Philippine Consular Officer or notarized locally if the OFW is currently in the Philippines. 

4. The Euro Towers Advantage: We Help You Process 

Dealing with paperwork can be overwhelming, but you don’t have to do it alone. Because Euro Towers is an accredited developer, our documentation team assists you in compiling and submitting these requirements to Pag-IBIG. 

Whether you are eyeing a unit at Vivaldi Residences Cubao, Milan Residenze Fairview, or Vivaldi Residences Davao, our team ensures your application is complete and compliant. 

5.  Why Combine Euro Towers RFO Units with Pag-IBIG? 

1. Choosing a Ready-For-Occupancy (RFO) unit with Pag-IBIG financing is the “sweet spot” of real estate Philippines in 2026.Immediate Asset: Unlike pre-selling, RFO units are tangible. You can see the view from your Condo Davao or check the amenities in your Condo QC before you sign. 
2. Payment Flexibility: We offer a 20% Downpayment payable in 36 months. This gives you 3 years to easily build your equity while we process your Pag-IBIG application for the remaining 80% balance. 
3. Location Power: 

•   Condo QC (Vivaldi Cubao): Perfect for commuters, located right along EDSA and connected to MRT/LRT. 
•   Condo Fairview (Milan Residenze): Situated in a high-growth area near the upcoming MRT-7, offering huge appreciation potential. 
•   Condo Davao (Vivaldi Davao): The premier choice in the “King City of the South,” mixing urban luxury with nature. 

Don’t let paperwork scare you away from building wealth. With your documents ready and Euro Towers as your partner, securing a Pag-IBIG housing loan is straightforward. 

Ready to start? 

Bring your valid ID and visit our showrooms today. Let’s find the perfect unit for your budget today with our Site Visit Scheduler 

References  

Home Development Mutual Fund (Pag-IBIG). (2025). Housing loan availment: Checklist of requirements for window 1 (developer-assisted). Virtual Pag-IBIG. https://www.pagibigfundservices.com/ 

Home Development Mutual Fund (Pag-IBIG). (n.d.). Frequently asked questions: Housing loan eligibility and membership. https://www.pagibigfund.gov.ph/FAQ_HL.html 

Lamudi Philippines. (2024). Why RFO condos are the safer bet for investors in volatile markets. https://www.lamudi.com.ph/journal/ 

Lee, J. M. M., & Ong, E. G. (2020). Consumers’ choice factors for buying residential property in the Philippines: An empirical investigation. International Journal of Research in Business and Social Science, 9(4), 271–276. https://doi.org/10.20525/ijrbs.v9i4.732