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Written by: Rita Magallona

Countries worldwide have enacted public health measures to address the COVID-19 pandemic, and the Philippines is no exception. Last March 16, 2020, the president enacted the Luzon enhanced community quarantine (ECQ) to prevent the spread of the coronavirus and avoid overburdening the nation’s health care system.

Has your livelihood been affected by the ECQ? If you’re a Pag-IBIG member, you can now apply for a Calamity Loan or a Multi-Purpose Loan. The Home Development Mutual Fund offers this loan to persons affected by natural disasters like typhoons, earthquakes, or the recent Taal volcano eruption.
What makes the COVID-19 calamity loan different is that you can apply for it via email, allowing you to observe social distancing while getting the financial assistance you need.

To avail of the calamity loan, follow these steps:

Step 1: Fill out the fillable Calamity Loan Application Form (CLAF, HQP-SLF-006); you don’t need to sign. Then save it as a PDF file.

Step 2: Email the PDF file to your company HR, authorized company representative, or Fund Coordinator along with

  • An image of at least one valid ID
  • Front and back images of your Loyalty Card Plus or Landbank, UCPB, or DBP cash card.

The company HR or authorized representative or Fund Coordinator will then email the following to the Pag-IBIG Fund email address designated for your area.

The loan is payable within 24 months and is charged with a low interest rate of 5.95% per annum. The loan proceeds would be paid through your Pag-IBIG Loyalty Card Plus (powered by AUB and Unionbank), or your Landbank, UCPB, or DBP cash card.

Normally, the calamity loan has a deferred first payment. But with the three-month payment moratorium on all loans, you can make your first payment three months later if you have due dates between March 16, 2020 and June 15, 2020. To apply for the payment moratorium, visit the Virtual Pag-IBIG page.

If you need more details, contact Pag-IBIG directly. Or, fill out the information form at the bottom of the Pag-IBIG Multi-Purpose Loan page.

Don’t forget to kep your family safe from COVID-19 with these cleaning tips for a virus-free home.

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