CALAMITY LOAN

The Pag-IBIG Fund Calamity Loan is a cash loan facility to assist Pag-IBIG Fund members who reside in areas declared under a state of calamity and are affected by such disasters. The loan seeks to provide immediate financial assistance to help members recover from the effects of such calamity. It comes at a low interest rate of 5.95% per annum. The Calamity loan is payable within 36 or 24 months, and has a deferred first payment.

LIST OF VALID ID’S

1. Passport

2. Driver’s License

3. Professional Regulation Commission (PRC) ID

4. National Bureau of Investigation (NBI) Clearance

5. Police Clearance

6. Postal ID

7. Voter’s ID

8. Barangay Certification or Barangay IDs or similar documents bearing picture of the member

9. Government Service Insurance System (GSIS) e-Card

10. Social Security System (SSS) Card

11. Senior Citizen Card

12. Overseas Workers Welfare Administration (OWWA) ID

13. Overseas Filipino Worker ID

14. Seaman’s Book or Seafarer’s Identification and Record Book (SIRB)

15. Alien Certification of Registration/Immigrant Certificate of Registration

16. Government Office and GOCC ID, e.g. AFD ID, Pag-IBIG Loyalty Card

17. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)

18. Department of Social Welfare and Development (DSWD) Certification

19. Integrated Bar of the Philippines ID

20. Company ID issued by Private Entities or Institution Registered with or supervised or regulated either by the BSP, SEC or IC.

PROCEDURE

STEP 1

• Submit accomplished Calamity Loan Application Form and required supporting documents.

STEP 2 Get STL Acknowledgement Receipt (HQP-SLF-121)

STEP 3 On scheduled date, get loan proceeds.

REQUIREMENTS (MEMBERS)

• Calamity Loan Application Form (CLAF, HQP-SLF-066) (1 Original) (1 Original)

• Valid ID acceptable to the Fund (1 Photocopy)

• Proof of Income (For Formally-employed:)

The “Certificate of Net Pay” portion at the back of the application form must be accomplished by the employer or submit photocopy of one (1) month latest payslip duly authenticated by the company’s authorized signatory.

• Proof of Income (For Self-Employed, any of the following:)

a. ITR, Audited Financial Statements, and Official Receipt of tax payment from bank supported with DTI Registrant and Mayor’s Permit/Business Permit (1 Photocopy)

b. Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months) (1 Original)

c. Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittance, pension, etc.) (1 Original)

d. Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTRFB for other PUVs) (1 Original)

e. Certificate of Engagement issued by the owner of business (1 Original)

f. Notarized Affidavit of Income (HQP-SLF-136) (1 Original)

• Proof of Income (For Overseas Filipino Workers (OFW), any of the following:)a. Employment Contract

• Employment Contract between employee and employer (1 Photocopy); or

• POEA Standard Contract (1 Original)b. Certificate of Employment and Compensation (CEC)

• CEC written on the Employer/Company’s official letterhead (1 Original); or

• CEC signed by employer (for household staff and similarly situated employees) (1 Original), supported by a photocopy of the employer’s ID and passport

c. Income Tax Return filed with Host Country/Government (1 Original)

• ADDITIONAL REQUIREMENTS FOR MEMBERS AFFECTED BY EL NINO PHENOMENON ONLY

a. For farmers, including landlords, fisher folks, and livestock farmers

• Certification from the Municipal Agricultural Office (MAO) that their products were damaged/killed due to the calamity.

b. For business owners/market vendors

• Certification from the Market Vendors Association or certification from the Municipal Mayor (if not a member of the association) attesting that he is engaged in the selling of farm products, vegetable, meat, fish, and that his source of livelihood was affected by the calamity.

c. For Pag-IBIG Members or any of his immediate family members afflicted by diseases such as diarrhea, cholera, skin diseases, paralytic shellfish poisoning (red tide bloom), heat cramps, heat exhaustion, heat stroke, chickenpox, measles, and hypertension

• A Medical Certificate from the Doctor stating that such diseases/illness brought by the onset of calamity.

NOTE: In all instances, wherein photocopies are submitted, the original documents must be presented for authentication.

• For releasing of loan proceeds thru Payroll Account*/Disbursement Card**, submit photocopy of the Payroll Account*/Disbursement Card**.

• For application thru employer, the photocopy of Payroll Account*/Disbursement Card** shall be duly certified by the employer.

• For individual application, the Payroll Account*/Disbursement Card** shall be presented for authentication.

* Payroll Accounts using Land Bank of the Philippines (LBP) Accounts for Disbursement
** Land Bank of the Philippines (LBP), Development Bank of the Philippines (DBP) or United Coconut Planters Bank (UCPB) Cash Cards

REQUIREMENTS (FILING THROUGH A REPRESENTATIVE)

• Authorization Letter

• Valid IDs of both parties (1 Photocopy)

• Calamity Loan Application Form (CLAF, HQP-SLF-066) (1 Original) (1 Original)

• Proof of Income (For Formally-employed:)

The “Certificate of Net Pay” portion at the back of application form must be accomplished by the employer or submit photocopy of one (1) month latest payslip duly authenticated by the company’s authorized signatory.

• Proof of Income (For Self-Employed, any of the following:)

a. ITR, Audited Financial Statements, and Official Receipt of tax payment from bank supported with DTI Registrant and Mayor’s Permit/Business Permit (1 Photocopy)

b. Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months) (1 Original)

c. Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittance, pension, etc.) (1 Original)

d. Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTRFB for other PUVs) (1 Original)

e. Certificate of Engagement issued by the owner of business (1 Original)

f. Notarized Affidavit of Income (HQP-SLF-136) (1 Original)

• Proof of Income (For Overseas Filipino Workers (OFW), any of the following:)

a. Employment Contract

• Employment Contract between employee and employer (1 Photocopy); or

• POEA Standard Contract (1 Original)

b. Certificate of Employment and Compensation (CEC)

• CEC written on the Employer/Company’s official letterhead (1 Original); or

• CEC signed by employer (for household staff and similarly situated employees) (1 Original), supported by a photocopy of the employer’s ID and passportc.

Income Tax Return filed with Host Country/Government (1 Original)

• ADDITIONAL REQUIREMENTS FOR MEMBERS AFFECTED BY EL NINO PHENOMENON ONLY

a. For farmers, including landlords, fisher folks, and livestock farmers

• Certification from the Municipal Agricultural Office (MAO) that their products were damaged/killed due to the calamity.

b. For business owners/market vendors

• Certification from the Market Vendors Association or certification from the Municipal Mayor (if not a member of the association) attesting that he is engaged in the selling of farm products, vegetable, meat, fish, and that his source of livelihood was affected by the calamity.

c. For Pag-IBIG Members or any of his immediate family members afflicted by diseases such as diarrhea, cholera, skin diseases, paralytic shellfish poisoning (red tide bloom), heat cramps, heat exhaustion, heat stroke, chickenpox, measles, and hypertension

• A Medical Certificate from the Doctor stating that such diseases/illness brought by the onset of calamity.

NOTE: In all instances, wherein photocopies are submitted, the original documents must be presented for authentication.

• For releasing of loan proceeds thru Payroll Account*/Disbursement Card**, submit photocopy of the Payroll Account*/Disbursement Card**.

• For application thru employer, the photocopy of Payroll Account*/Disbursement Card** shall be duly certified by the employer.

• For individual application, the Payroll Account*/Disbursement Card** shall be presented for authentication.* Payroll Accounts using Land Bank of the Philippines (LBP) Accounts for Disbursement
** Land Bank of the Philippines (LBP), Development Bank of the Philippines (DBP) or United Coconut Planters Bank (UCPB) Cash Cards

SOURCE: https://www.pagibigfund.gov.ph/STL_MPL_Calamity.html