Here's information on Pag-ibig payment deadlines:
EMPLOYEE CONTRIBUTIONS and LOAN PAYMENTS
Deadline for Remitting Employee Contributions and Loan Payments
(Mandatory Savings or Pag-ibig 1, and Pag-ibig 2 or MP2)
Your employer should remit your savings to Pag-ibig Fund on or before these dates:
| First Letter of | Payment Deadline |
| Employer | |
| or Business Name | |
| A to D | 10th to the 14th day of the month |
| following the applicable month | |
| E to L | 15th to 19th day of the month |
| following the applicable month | |
| M to Q | 20th to 24th day of the month |
| following the applicable month | |
| R to Z, 0 to 9 | 25th to end of the month |
| following the applicable month |
Penalties for Late Remittances by Employers:
1/10 of 1% of the amount due, per day of delay starting on the day immediately following the due date until the date of full settlement
CONTRIBUTIONS and LOAN PAYMENTS
by VOLUNTARY, SELF-EMPLOYED or OFWs
If you're paying Monthly:
On or before the 10th day of the month following the applicable month
If you're paying Quarterly:
On or before the 10th day of the month following the applicable quarter
IMPLEMENTING RULES AND REGULATIONS OF REPUBLIC ACT NO. 9679, July 21, 2009
Or the “Home Development Mutual Fund Law of 2009, otherwise known as Pag-IBIG (Pagtutulungan sa kinabukasan: Ikaw, Bangko, Industriya at Gobyerno) Fund”
RULE VII
COLLECTION AND REMITTANCE
Section 4. Remittance of Contributions by Self-employed and Voluntary Members. Self-employed and voluntary members may remit their monthly contributions on a monthly or quarterly basis, provided that in the latter case payments shall be remitted before the 10th day of the beginning month of the succeeding quarter. Monthly remittances shall be made directly to the Fund before the 10th day of the following calendar month.
Section 4. Remittance of Contributions by Self-employed and Voluntary Members. Self-employed and voluntary members may remit their monthly contributions on a monthly or quarterly basis, provided that in the latter case payments shall be remitted before the 10th day of the beginning month of the succeeding quarter. Monthly remittances shall be made directly to the Fund before the 10th day of the following calendar month.
Note:
Bayad Center, SM Business Center and other collectors accept payments only during the current month or the current quarter being paid.
If you're paying Monthly, your deadline is the last day of the month.
If you're paying Quarterly, your deadline is the last day of the quarter.
PAG-IBIG HOUSING LOANS
Monthly deadline is based on Date of Release of Loan Proceeds
First payment is one month after date of release of loan proceeds
References:
-- IRR of Republic Act (RA) No. 9679 or Home Development Mutual Fund Law of 2009
-- Home Development Mutual Fund Citizen's Charter, November 2011
-- HDMF Circular No. 274, Revised Guidelines on Pag-ibig Fund Membership, pursuant to RA 9679 and its Implementing Rules and Regulations, January 7, 2010
Photo credit: Photo by Maddi Bazzocco on Unsplash
52 Comments
hi.. is the deadline for remitting pag-ibig contributions is 25th day of the same moth or the succeeding month?
ReplyDeleteExample is kung for September ung nacollect, 25th day ng september dn ang deadline or the succeeding month na?
Pag-ibig remittance deadline: You're right, for those whose first letter is R to Z or ) to 9, the remittance deadline is the 25th day or last day of the following month. For September collections, they should be remitted on or before Oct 31.
DeleteThis is based on an Inquirer news item.
Kasi yong sa MCRF form nila, "of the month" lang ang nakasulat. Pero I think "the following month" ang tama dahil sa IRR ng Pag-ibig for voluntary ay "the following month."
Hi po.. nalito lang po ako sa contribution.. bago pa lang po ako ng voluntary. Binataran ko po ung month of april may at june kasi nag quarterly po ako. Kailan po ako ulit pwede mag bayad? By the month of july na po ba para sa next quarter? Kasi ung sa SSS tinanong ko by the month of october po ung due ko thanks
DeleteHello, ask ko lang po, Di ako nahulugan ng employer ko June-Aug 2016 ng contribution, then lumipat ako ng work last sept 2016, nahulugan na ng bago kong employer yung sep 2016 pero yung June-Aug 2016 wala hulog from previous employer... pwede po ba ako nalang maghulog nun?
ReplyDeletePag-ibig contributions not paid by employer: Sorry Pag-ibig does not accept late payments for contributions from individuals.
DeleteIf you like to save more, you can ask your new employer to deduct 50 or 100 pesos more from you, so your total Pag-ibig contributions will be 250 or 300.
Or you can register to save with Pag-ibig MP2.
ask lang po, due date na po yong loan ko this month november 2016 at may penalty na po, paano q mabayaran yong balance? i am employed po but my loan deduction is every 3rd of the month?
ReplyDeleteHi Hazel: Yong payroll deduction mo for the month ay ire-remit ng employer mo the following month (their deadline depends on the first letter of their company name), so hindi siya nale-late at dapat walang penalty.
DeleteIf you mean you like to pay your balance in full, you can go to Pag-ibig and ask for computation of your loan balance, and then pay it right away after computation.
Hi Hazel, I mean go to your Pag-ibig branch, the branch where your employer submits their remittances
DeleteAsk ko lang po monthly po kasi ang payment ko self employed po. Every 10th or 14th of the month po nakalagay. Ofw din po husband ko. Ok lang po kaya if I pay ng every katapusan monthly? For my contributions and sa husband ko din po ofw. Salamat po sa tutugon.
DeleteAsk lang po , wala po kasi akong employer since january 2016 hanggang october 2016 and ang only contribution ko lang for this year is the december which is the last month only ... Gusto ko po sana bayaran yung january to November contribution ko pra po walang lapse ung contribution since dec.2015 ang last payment from my previous company ???
ReplyDeletepwede po ba yun??? please respond
Is it possible for us couple to get pre qualified for a housing loan? We would like to know how much our capacity to pay will grant us a housing loan. We plan to look for houses only within the Pagibig Loan that we could secure.
ReplyDeleteHousing loan remittance po mekan po deadline kung ang employer a Province of .....
ReplyDeletehello! ung loan ko was processed by my Real estate Developer, i gave them 12 post dated checks last year. then i lost track sa months, end na pala ng Jan. 2017, so di ako nakabayad ng feb. pano ko po pede isettle ung payment? and how much kaya is mu penalty? thank u
ReplyDeleteHi maAm want to ask kc last hulog q is dEc pwd pb aq mgHulog january to march voluntary po aq thanks
ReplyDeleteHi po. paano po computation ng penalty kung hindi ka nagbayad ng contribution. sample june 2016 tapos magbabayad ka palang ng May 19, 2017.
ReplyDeletehi po, ask ko lang po if pwede pang mahulugan yun april-june2017 na contribution? kasi yun last na nabayaran ko ay jan-march (dated ng january 27 sa resibo) sa bayad center lang kasi ako nagbayad eh.. pero pagcheck ko sa data ko sa pag-ibig walang pumasok na jan-mar 2017 na contribution ko? paano kaya iyun?
ReplyDeletesame thing goes with me, hindi pumasok yung ibang payment ko thru bayad center as i check online. nag ask ka na ba sa office? ty
DeleteGud day....plano ko po sana mgrenew ng mpl loan ..possible po kaya nkapost n po yung last payment ko sa loan this August.. Kasi po nkaltas n po sa sahod ko nung first cut off.. If magloan po ako maleless po kaya yun sa remaining balance ko po?
ReplyDeleteHi. Im self employed. I was registered last nov. 2015. I failed to pay the contribution last year. Pwde po ba bayaran siya today? If my penalties po, how much po kaya? 1000php po yung monthly contribution ko.
ReplyDeleteHi! I am an OFW. Before I left to Philippines I paid my contribution last February for quarterly that's for until March then, I have decided to just pay the rest of the months as whole this December could it be possible? What if I have failed to pay this month could it be possible to pay in Jaunuary? Your reply would be appreciated. Thank you
ReplyDeleteHi Rachel: Yes, Rachel, in December, you can pay for Oct Nov and Dec. You can also pay for Apr to Sep (6 months), but it will be posted as a single payment in Dec. For example, if you like to pay 500 pesos a month (6 months will be worth 3,000 pesos), this 3,000 pesos will be posted as a single payment in Dec. Even if it's like this, don't worry because the annual dividends will be applied to your total savings for the year.
DeleteIf you pay at Pag-ibig's OFW counters, you can ask about their payment policies. If you pay at Bayad Centers, or SM Business Centers, they accept only payments for the current month or current quarter.
Hello
ReplyDeleteHow much contributions po monthly for unemployed? or voluntary? tnx
Hi Christine: Ang minimum monthly contribution para sa unemployed or voluntary ay 200 pesos. Puedeng more than 200 pesos if you like to save more. Basically, walang maximum limit. Hindi rin required na the same amount every month.
DeleteHi, just wanna ask when is the deadline for quarterly payment for the month of Jan, Feb & March of this year 2018. I usually pay our contribution (voluntary & ofw) monthly, pero now I wanna pay by quarter na po sana.
ReplyDeleteHi Doris: For the Jan Feb March quarter, payment deadline is April 10, sa Pag-ibig branch mismo. Pag sa Bayad Center, your deadline is March 31.
DeleteThanks for the quick response!
DeleteHi ask lang po paano po kapag hindi nabayaran ang contribution ng January 2018 dahil po ayaw tanggapin ng bancnet kapag hindi MID# meron po kaming mga tao na hindi nabayaran dahil wala pa pong Mid # ng subukan ko pong bayaran sa egov ngayon invalid file daw po dahil sa period cut off kasi trinay ko ilagay sa january pero for the month of february na kasi ang dapat bayaran ngayon March 2018..dapat po ba sa pag ofis na po ba sya babayaran at may penalty na po ba sya kasi ang due date po dapat feb 19 2018.Sana po masagot po ninyo ang tanong ko salamat po...
ReplyDeleteLate payments: Oo dapat sa Pag-ibig office na babayaran kasi they will compute the penalties. Pero tanungin nio rin doon kung puedeng walang penalties kasi yong reason ng late payment ay wala pang MID# yong employees.
DeleteTry mo ring tumawag sa Pag-ibig kung puedeng ihalo na lang sa February yong Jan contribution (para hindi na pupunta sa Pag-ibig office), kasi ang reason naman is wala pang MID# yong employee
Hi! What if corporate account and we haven't remit yet the contributions of some employees due to missing MIDN, could those still be remitted the following month? Thank you in advance.
ReplyDeletePuede naman sanang RTN ang nagamit kung wala pang MID at kung ang remittance ay sa branch.
DeleteSorry hindi ko alam kung kinoconsider nila ang no-MID na valid reason para walang late penalties. Sa branch na lang mag-remit para matanong nio na rin kung paano iremit yan at kung merong penalties.
Good day po. Ask ko lang if ang DATE LOAN GRANTED AY JANUARY 27, 2018? kelan ko po start ng deduction ko? Employed po ako. thank you
ReplyDeleteDapat yong first payment mo ay ma-remit sa 3rd month after check date, so dapat ma-remit sa April remittance ng employer mo, so dapat mag-deduct na sila sa March payroll.
DeletePano po pag di na-deduct? Pwede po bang ang principal and interest ay iremit kasama ng deduction ng loan nya sa payroll then yung penalty yun ang babayaran sa pag-ibig office ng personal?.
DeleteThank you!
Hi good day p0h. I asked my sister to pay may pag ibig contribution for the whole year of 2018 today. and according to Pag-ibig office only the month of March onwards she can pay.Nagbago na ba ang policy ng Pag-ibig?OFW poh ako...bkit di na pwede bayaran ang month of january and february?as far as i know poh may consideration sa ofw regarding sa schedule ng payment. Thank you.
ReplyDeleteOFW payments: Dapat tinanggap ang Jan-Dec 2018 payment mo kasi April 6 pa naman. Based on the quarterly payment rule, puede pang bayaran ang Jan to March quarter, up to Apr 10. Ewan bakit ganun ang sabi ng Pag-ibig officer na yon. Anyway, sana ibinayad na rin ng sister mo lahat na ibinigay mo kahit na-spread out na sa Mar to Dec. Anyway naman, ang pag-credit ng dividends ay yearly. When I have time, I'll call Pag-ibig to ask how they compute annual dividends, kung cumulative ba ang pag-credit, o yong simple annual lang.
ReplyDeleteHello Mam Nora. Do you happen to know if pwede ba magbayad in advance? For instance, can I pay for the rest of the year? Thanks!
ReplyDeleteOfw po ako.. Nkbayad po ako pagibig last yr. And gusto kp po bayaran fs yr dn. 1 yr ko po kasi bnbyrn lagi.. At sa agibig 2, nkbayad o ako march 2018.. Pwede ko po b bayaran april up to ds month? Thank u
ReplyDeletegood afternoon po.OFW po ang husband ko and may housing loan po kami..dati po sa monthly amortization kasama na po ung monthly contribution pero kailan lang po namin nalaman na kaya pala bumaba ung monthly amort kasi di na pala kasama ung contribution..ask ko lang po kung pwede pa namin bayaran ung contribution.from.jan-dec 2018?
ReplyDeletengaung November po.namin plan magbayad and pwede po.ba sa BAYAD CENTER? we are from Iba , Zambales and wala po PagIbig Office dito..thank you po and hoping for your quick reply..
ReplyDeleteHi po, usually nagbabayad po kami thru bank online. Nagka-problem po system nila. Every 15th of the month po kami nag babayad. MaY-penalty na po ba yun?
ReplyDeleteHi gemini, for employees ba ito? 15th to 19th of the month following applicable month naman yong deadline for company names beginning from E to L, so wala pang 19th, so hindi pa kayo late. Ang penalty for late payment is "1/10 of 1% per day of delay of the amount due starting on the first day immediately
Deletefollowing the due date until the date of full settlement".
Hello Ma'am.. ask ko po regarding sa ESRS ng employer, nag register po kc kami sa sa ESRS sabi ng pag-ibig sa mga bayad center na po kami magbayad gaya ng LBC. trinay po namin mag remit sa LBC pero nag eeror daw po,, triny din po namin sa USSC then wala daw mo lumlabas sa record namin... thank you po.
ReplyDeleteLOAN PAYMENTS DEADLINE IS EVERY 10TH OF THE MONTH? WHAT WILL WE DO IF THE 10TH FALLS ON WEEKENDS OR HOLIDAYS? THANKS SO MUCH.
ReplyDeleteAs individuals, we receive a notice of approval of loan from ur company thru text indicating the start of monthly payment w/c is 15th. I am employed in a company. Which deadline of payment then, my company should follow? The 15th or the date which depends on the alphabetical indicated in the table?
ReplyDeleteBy the way, this is not Pag-ibig's website. I just blog about Pag-ibig. Your company will still follow its own deadline and schedules of remitting employees' payments and contributions. This is just an idea or suggestion: To avoid getting penalized for late payments, pay for your first or initial monthly amortizations by yourself individually (not through your company) so that your next payments through your company would reach Pag-ibig surely before the 15th of every month, even if it results in you paying about one month in advance.
DeleteThis comment has been removed by the author.
ReplyDeleteHi, kaka-register ko lang sa PAG-IBIG yesterday, self-employed and i will be paying quarterly. Kailan ako pwedeng magsimulang mag-contribute? Late na ako sa April 10, okay lang ba yun? Wala bang penalty? And pwede bang mag-contribute ng advance(like Jan-Dec,2019)?
ReplyDeletei failed to pay last month of april.can i still pay it this may?
ReplyDeleteOFW Po Ako at hindi Ako nakayad Ng May 2019 Contribution ko. Pwede ko po ba bayaran this month?
ReplyDeletegood morning po. nagbayad po ako ng monthly ko sa bayad center the problem is that di ko nasali sa pagbayad yung penalty. my question is continue po pa rin ba ang penalty ko doon
ReplyDeleteHello po ask lang po about sa loan ko po sa pag ibig twice palang po ako nakakabyad.. last payment ko po nung month ng april pa...kung maghuhulog po ako ngaung month ng july magkano na po kaya penalty ko nun?
ReplyDeleteBAGAIMANA SAYA MENDAPATKAN PINJAMAN SAYA DARI PERUSAHAAN BESAR INI
ReplyDeleteHalo orang-orang terkasih, saya Linda McDonald, saat ini tinggal di Austin Texas, AS. Saya seorang janda saat ini dengan tiga anak dan saya terjebak dalam situasi keuangan pada bulan April 2018 dan saya perlu membiayai kembali dan membayar tagihan saya. Saya mencoba mencari pinjaman dari berbagai perusahaan pinjaman baik swasta maupun perusahaan tetapi tidak pernah berhasil, dan sebagian besar bank menolak kredit saya, tidak menjadi mangsa penuh para penjahat di sana yang menyebut mereka pemberi pinjaman uang mandiri, mereka semua scam, yang mereka inginkan adalah Anda uang dan Anda juga tidak mendengar dari mereka lagi mereka telah melakukannya kepada saya dua kali sebelum saya bertemu dengan Tuan David Wilson bagian yang paling menarik dari itu adalah bahwa pinjaman saya dipindahkan kepada saya dalam waktu 74 jam jadi saya akan menyarankan Anda untuk menghubungi Tuan David jika Anda tertarik mendapatkan pinjaman dan Anda yakin dapat membayarnya kembali tepat waktu Anda dapat menghubunginya melalui email ……… (davidwilsonloancompany4@gmail.com) Tidak ada pemeriksaan kredit, tidak ada pengirim barang dengan tingkat bunga hanya 2% dan rencana pembayaran yang lebih baik dan Jadwalkan jika Anda harus menghubungi perusahaan mana pun dengan referensi untuk mendapatkan pinjaman tanpa agunan, maka hubungi Tn. David Wilson hari ini untuk pinjaman Anda
Mereka menawarkan semua jenis kategori pinjaman mereka
Pinjaman jangka pendek (5_10 tahun)
Pinjaman jangka panjang (20_40)
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Mereka menawarkan pinjaman seperti
Pinjaman rumah ............., Pinjaman usaha ........ Pinjaman hutang .......
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Pinjaman bisnis ......., pinjaman Perusahaan .............. dll
Email .......... (davidwilsonloancompany4@gmail.com)
Ketika datang ke krisis keuangan dan pinjaman maka pinjaman keuangan David Wilson adalah tempat untuk pergi tolong katakan padanya aku Ny. Linda McDonald mengarahkan Anda Good Luck ................... ....
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