🏠 Pag-IBIG Contribution Guide
The smallest deduction on your payslip, and arguably the friendliest program of the three government funds. Here's exactly what gets taken and what it buys you.
TL;DR Pinakamaliit na deduction sa payslip mo: 2% ikaw, 2% employer — at capped pa, kaya flat ₱200/month lang kahit magkano sweldo mo. Kapalit: housing loan hanggang ₱6 million, multipurpose loans, at savings na kumikita ng dividends.
📊 Pag-IBIG sa apat na numero
Arguably the friendliest program of the three government funds — smallest bite, biggest puso.
🧮 Ang formula
Contributions compute on your monthly compensation but only up to a ₱10,000 ceiling — kaya halos lahat ng employed, eksaktong ₱200 ang nakikita sa payslip.
📉 Ang deduksyong tumitigil sa paglaki
No matter if they earn ₱15k or ₱150k — it's the one deduction that stops growing.
🏠 Ano ang nakukuha mo?
🪜 Paano binabayaran at paano magamit
Employer ang nagbabawas
1% ka lang kung ₱1,500 or below ang monthly basic (up to ₱15); 2% kapag above ₱1,500.
Match ng employer
Another 2% sa tabi ng share mo — walang tanungan, diretso sa Pag-IBIG.
Capped agad
Computation counts compensation up to ₱10,000 only — ₱200 max each side.
Gamitin!
After 24 months of contributions: housing loan up to ₱6 million, at rates far below bank housing loans.
May surplus ka pa?
MP2 time. Model what consistent saving could look like in our MP2 Projector, and read the full story in the MP2 Honest Guide.
📋 Pag-IBIG contribution table
| Your monthly basic | You pay (member) | Employer pays |
|---|---|---|
| ₱1,500 or below | 1% = up to ₱15 | 2% |
| Above ₱1,500 | 2% | 2% |
| ₱10,000 or above | ₱200 (max) | ₱200 (max) |
Based on the current Pag-IBIG Fund schedule for employed members. Rates, caps and loan terms can change — confirm details at pagibigfund.gov.ph. Independent and unofficial guide.
Pag-IBIG quick answers
Bakit ₱200 lang ang Pag-IBIG ko kahit malaki ang sweldo ko?
Capped kasi: contributions compute on your monthly compensation but only up to a ₱10,000 ceiling. 2% ng ₱10,000 = ₱200, whether you earn ₱15k or ₱150k.
May mas maliit bang tier?
Yes — kung ₱1,500 or below ang monthly basic mo, member share mo ay 1%, up to ₱15 lang. Ang employer, 2% pa rin.
Kailan ako puwedeng mag-apply ng housing loan?
After 24 months of contributions. Members can borrow up to ₱6 million for a home, at rates far below bank housing loans.
May kita ba ang mandatory contributions ko?
Yes — they earn annual dividends too. At gusto mo ng mas malaking tax-free growth? Membership opens the door to the voluntary MP2 program with its higher tax-free dividends.