Civil, Property, Family Laws

Three-Month Moratorium Offer of Pag-IBIG Fund on all Pag-IBIG Fund Loan Payments Covering 16 March 2020 – 15 June 2020

Updated as of 15 July 2020

Below is a summary of the web seminar conducted by Speaker – Mr. Amado Isabelo Dizon, Senior Vice President for Member Services Sector.

For inquiries or application, you may get in touch with Pag-Ibig (HDMF) at (+632) 87244244 or The application form for MPL can be accessed here and the application form for Calamity Loan here. Online application procedures can be accessed here or here. (sources: HDMF website and official Facebook page)

An eligible member may apply for a three-month moratorium on all Pag-IBIG Fund loan payments falling due within 16 March 2020 – 15 June 2020. The moratorium is not automatic. Members who do not want a moratorium need not apply. If applied for, necessarily, the availment of a three-month moratorium means the loan term shall be extended for another three (3) months.

During the open forum, it was clarified that as of that date, although the “Bayanihan to Heal As One Act” grants a thirty (30)-day grace period for all loans with principal and/or interest falling due within the enhanced community quarantine period without incurring interest, penalties, fees, and other charges,[1]there is still no automatic application of the three-month moratorium given by Pag-IBIG, which moratorium must still be applied for with Pag-IBIG. Further, Pag-IBIG is currently looking into the possible automatic application of the Pag-IBIG moratorium for the first thirty (30) days, in harmony with the “Bayanihan to Heal As One Act.”

In any case, the “Bayanihan to Heal As One Act” also provides that the grant of the grace period does not preclude borrowers from paying their obligations as they fall due during the enhanced community quarantine should they so desire.[2]Thus, although the 30-day grace period provided by the “Bayanihan to Heal As one Act” is mandatory, it does not preclude borrowers from voluntarily paying their loans should they opt to.


Members Residing in NCR and Luzon

Can apply for and avail of moratorium (a “freeze”) on monthly contributions and payment for multi-purpose loan or housing loans due between 16 March 2020 – 15 June 2020.

The payments for the monthly contributions shall resume after the three-month moratorium.

Members Residing in Visayas and Mindanao

Can only avail of the moratorium if ECQ will be declared by their respective local government units.

Members who have payments in arrears or are not updated with their monthly contributions may still apply for the moratorium, subject to justifiable reasons given in the application and subject to evaluation on a case-to-case basis.

Application Procedural Matters During the ECQ:

The application for the moratorium is:

  1. Go to Virtual Pag-IBIG via
  2. Enter loan and personal details. Give active Philippine mobile number to receive the one-time-pin (OTP)
  3. Enter OTP and click submit to receive your reference number
  4. · ECOP Webinar on Pag-IBIG’s Services and Assistance In the Time of a Public Health Emergency

The application can be done from Monday to Saturday, 8:00 am to 5:00 pm. For questions, dial 8Pag-IBIG (8724-4244) or chat with Pag-IBIG via Queries can be emailed to

Other Matters

During the open forum, it was clarified that Pag-IBIG shall not deposit post-dated checks with maturity dates falling within 16 March 2020 – 15 June 2020 initially remitted for monthly contributions to collection agents of Pag-IBIG. Pag-IBIG is likely to assume that the members prefer the loan moratorium. However, it must be reiterated that this moratorium must still be applied for and is not automatic. Note, however, that under the Bayanihan law, the moratorium is mandatory.

Click to read the following related articles:

[1] Section 3.01, Bayanihan to Heal As One Act.

[2] Section 3.03, Bayanihan to Heal As One Act.

Disclaimer: The information in this website is provided for general informational purposes only. No information contained in this post should be construed as legal advice from Platon Martinez or the individual author, nor is it intended to be a substitute for legal counsel on any subject matter. No reader of this post should act or refrain from acting on the basis of any information included in, or accessible through this post without seeking the appropriate legal or other professional advice on the particular facts and circumstances.