What Are Mandatory Pag-ibig, Pag-ibig 1, Pag-ibig 2, MP2 and POP?

What are the differences among these?  
Mandatory Pag-ibig
Pag-ibig 1
Pag-ibig 2

Pag-ibig 1 and Mandatory Pag-ibig are the same. This is the regular Pag-ibig program -- the first savings program offered by Pag-ibig or HDMF.  Pag-ibig 1 is mandatory for all employers and employees in the Philippines and OFWs.

The mandatory contribution for Employees is 100 pesos.
(Less than 100 pesos if monthly salary is lower than 5,000 pesos)
100 pesos from the employee and 100 pesos from the employer. Total is 200 pesos.

Employees can increase their monthly contributions to Pag-ibig 1, but they cannot force their employers to match their increase.

The minimum contribution for Voluntary Members, Self-Employed and other types of members is 200 pesos. OFWs are allowed to start with 100 pesos monthly, usually first paid through their OEC payment.

If you are a Pag-ibig 1 member, you can apply for a housing loan or a multi-purpose loan if you have accumulated at least 24 monthly contributions.

If you're a new member and you want to apply for a housing loan immediately, you can pay a lump-sum amount to make up for the 24-contribution requirement.

You can claim your Pag-ibig 1 savings after you have accumulated 240 monthly contributions and you're already 45 years old or more.
You can also claim after you get into one of these conditions:
 . when you turn 60 years old
 . when you retire early under your company's early retirement fund
 . if you get permanently disabled
 . if you migrate to another country
 In case of death, beneficiaries will claim the benefits, if not yet claimed by the member.

Pag-ibig 2 and MP2 are the same. MP2 means Modified Pag-ibig 2. This is optional, and this is offered to Pag-ibig 1 members. If you like to save under MP2, first be a member of Pag-ibig 1.

Pag-ibig 2 has a term of 5 years. You can get your total Pag-ibig 2 savings plus dividends after 5 years.
If you like, you can renew your account for another 5 years, so you can save more and earn more dividends.

The minimum monthly savings amount for MP2 is 500 pesos. There is no maximum limit. You can open more than one MP2 accounts. The MP2 interest rate is higher than the interest rate for Pag-ibig 1.

MP2 is not the basis for housing loan or multi-purpose loan applications. The basis is your Pag-ibig 1 account.

POP means Pag-ibig Overseas Program. This was launched in 1991 as Pag-ibig Filipino Overseas Workers Program. It was offered to all Filipinos working or living abroad.

This POP program is still on-going for many overseas members, but it's no longer open to new members, as there is already the MP2 program, and the Pag-ibig 1 program is already mandatory for OFWs.
There are no longer POP enrollment forms in the Forms page of the Pag-ibig website. Most probably, POP is in its winding stage, to be permanently closed after the last 5-year or 10-year term account is fully served.


  1. the MP2 is a good investment, I hope the agency has no problem with self-employed or unemployed applicants. As long as they're willing to pay.
    Thanks again for this info, you enlighten me.

  2. Is Pag Ibig 1 and POP has the same MID/Number

  3. thanks you so much! i searched the whole web for this info.

  4. All thanks to mrs KARINA ROLAND for helping me with my loan after been scammed by fake people who clams to be loan lenders.
    My name is Annika amahle mokoena, i am from South Africa and i live in the city of Johannesburg. A month ago i was searching for an online loan and i saw different loan lender on the internet and i applied from them and all i got was scammers i applied more than 2 companies and i was cheated all through. So i gave up hope until i decided to check again if i will find help as i was searching and i settled down to look for a legit loan company i found this company named KARINA ROLAND LOAN COMPANY i saw a lot of testimonies that people comment about her but because i was cheated severally i thought it was a scam but i did what i was asked to do and i waited for my loan and Mrs KARINA ROLAND told me in less than 24 hours time you be with my loan safely i did not believe cause i thought it was also a scam so that day it was night time in South Africa and i slept off the next morning as i woke up i received an alert from my bank account and immediately i called my bank manager to confirm and the bank manager told me to come to the bank immediately and i went immediately as i got there the bank manager checked my account and saw an amount of $127,000.00 USD that is United States Dollars and i explained to my manager that i applied for a loan online and my bank manager was shocked if there was still a real and legit loan company online i am so happy all thanks to MRS KARINA ROLAND i decided to write on the internet because i saw other people do it and testify about this company that is why i am posting this message online to anyone that need a loan even if you have been cheated before apply from this company and be rest assured that this company won't let you down. My Regards to anyone that reads my message and you can contact this company via mail (karinarolandloancompany@gmail.com) or whatsapp only +1(312)8721-592, Once again i want to say thanks to everyone that read this testimony, you can contact me also for more information .....annikaamahlemokoena@gmail.com


Copyright © Pagibig.Net | Powered by Blogger | Privacy Policy | About Design by ronangelo | Blogger Theme by NewBloggerThemes.com