Free OFW Tool

Housing Loan Readiness Checker

Check if you have everything you need before applying for a PAG-IBIG or bank housing loan — from abroad, in 2 minutes.

Self-assessment only — not financial, legal, or lending advice. Requirements may vary by institution. OwnerDirect is not a lender or financial adviser. Loan approval depends solely on the lending institution.

Eligibility

Active PAG-IBIG member with at least 24 monthly contributions

Required

Age 18–65 years old (not more than 70 at loan maturity)

Required

No existing PAG-IBIG housing loan in default

Required

Identity Documents

Accomplished PAG-IBIG Housing Loan Application Form

Required

One valid government-issued ID (passport, SSS, GSIS, etc.)

Required

Recent passport-size photo (1x1 or 2x2)

Required

Passport (for OFW applicants)

Required

Income Documents

Employment contract or POEA-verified contract

Required

Certificate of Employment with Compensation (CEC)

Required

Payslips or remittance records (last 3 months)

Required

Representative & SPA

Special Power of Attorney (SPA) — notarized AND consularized at Philippine Embassy/Consulate

Required⚠️ Consular

Takes 2–4 weeks. Start early.

Civil Status

Marriage certificate (if married)

Birth certificate of co-borrower (if applicable)

Property Documents

Contract to Sell (CTS) or Deed of Absolute Sale

Required

Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT)

Required

Tax Declaration (land and improvement)

Required

Conditional

Medical/health certificate (required for loans above ₱2M or applicants 60+)

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