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Written by: Rita Magallona

Need some financial breathing room during the quarantine? The Pag-IBIG Fund, the National Housing Authority (NHA), and other key shelter agencies (KSAs) have offered a moratorium on all loan payments for the period of March 16 to June 15, 2020. This is to help ease their borrowers’ financial burdens during the Enhanced Community Quarantine (ECQ) in Luzon, which was imposed last March 17, 2020 to contain the spread of the coronavirus disease or COVID-19.

The Department of Human Settlements and Urban Development (DHSUD), the department that oversees the KSAs, implemented this measure after President Rodrigo Duterte declared a state of national health emergency. The President called upon private and public institutions to help citizens by giving reprieves on rent and extensions on mortgages and bill payments.

Pag-IBIG Fund Chairman and DHSUD Secretary Eduardo del Rosario said, “Pag-IBIG Fund supports the President’s efforts and understands the plight of its members in these challenging times. Our Board of Trustees saw this as an urgent measure and immediately voted for the grant. This moratorium will help alleviate our members’ worries so that they could focus on providing for the basic necessities and safety of their families.”

Who will benefit from the housing loan moratorium?

These deferred payment plans are being offered to borrowers in Luzon only, where the ECQ is in effect.
Other agencies under the DHSUD will also offer a moratorium on loan payments, including the National Home Mortgage Finance Corporation (NHMFC) and the Social Housing Finance Corporation (SHFC).
Over five million KSA member-borrowers will benefit from this moratorium:

  • 260,000 NHA residential accounts
  • Over a million Pag-IBIG housing loan borrowers
  • 4 million Pag-IBIG short-term loan borrowers
  • 240,000 SHFC borrowers (informal settler families)
  • 18,000 NHMFC borrowers

Are non-housing loans covered by the payment moratorium?

The moratorium applies not only to Pag-IBIG housing loans but also to Multi-Purpose Loans and Calamity Loans.

How do I apply for the Pag-IBIG loan moratorium?

Pag-IBIG borrowers may submit their application for this plan once the quarantine has been lifted. You submit your application at the nearest Pag-IBIG Fund branch until June 15, 2020. Also, check out the Pag-IBIG loan moratorium application form online.

What other services have extended payment deadlines due to the ECQ?

The call to help citizens affected by the ECQ was also answered similarly by other government agencies and service providers.

The Bureau of Internal Revenue (BIR) has extended the filing of Income Tax Returns up to May 15, 2020
Banks like the BPI, BDO Unibank, Security Bank, Unionbank, EastWest Bank, Metrobank, Robinsons Bank, CIMB, PSBank, and RCBC have also extended loan due dates.

Telecommunications companies Smart, Globe and PLDT, utility companies Meralco, Manila Water, Maynilad, and other companies have also given 30-day payment extensions and other measures to help their quarantined patrons.
These payment extensions will hopefully help you focus on staying safe and healthy during the pandemic. Check out our tips on keeping your home virus-free.

Looking for home financing? Find out if you are eligible for a Pag-IBIG housing loan.


Ohmyhome was launched in the Philippines in September 2020, following the company’s establishment of a tech team in the country in 2017. Ohmyhome was originally founded in 2016, and subsequently rose in Singapore as a leading PropTech solution and licensed real estate agency.

Ohmyhome expanded into the Philippines so that Filipino home seekers can have a real estate partner that they can trust to have their best interests at heart and can be relied upon to provide exceptional services throughout the entire property journey.

Featuring thousands of properties across many of the Philippines’ major real estate brands, Ohmyhome differs from other local platforms by going the extra mile and extensively helping buyers narrow down the choices and find the property that best suits their budgets, home needs, and lifestyle preferences.

The company’s Real Estate Agents not only help in the shortlisting of options, but also provide professional services through the entire purchasing process. These include assistance in property inspections, negotiations, the finalization of the Conditions of Sale, deposit collection, the submission of property documents, as well as providing buyers regular updates.

Ohmyhome helps Filipinos find their dream homes, all while making sure each real estate transaction is complete and is an efficient and enjoyable experience.

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ARTICLES​

Steps for First Time Buyers

Like any new experience, buying a home for the first time is daunting.

Home Buying for Your Family

Make sure you’ve thought about these things before you decide to buy a house.

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Articles

Factors Affecting Home Value

Know the factors that affect property value before you buy a home.

Mistakes to Avoid in Selling

Make sure you’re not committing any of these fairly small, common mistakes.

Passive Income from Real Estate?

Real estate generally appreciates in value and can also be rented out.

Sell Your Property Fast

This is how you can attract more homebuyers.

Get The E-Book

For Tenants

get an agent

Rent with an Agent

Dedicated experts at ayour service

ARTICLES

Renting vs. Owning

Either way, it’s much easier outside Manila.

House or Condo?

Both have advantages and limitations. Everyone has different preferences.

Do it yourself

Prefer to do-it-yourself?

Check out how our platform can help

Search or Post your home

Connect with landlords through the app

For Landlords

get an agent

Lease with an Agent

Dedicated experts at your service

ARTICLES​

Assessing Property Value

Of course, knowing your property’s true value is key to any great investment.

Home Staging Tips

With this checklist, you get a better chance of finding a long-term tenant.

Do it yourself

Prefer to do-it-yourself?

Check out how our platform can help

Search or Post your home

Connect with tenants through the app

Our Properties

By Developer

SMDC

Properties from the good guys.

Robinsons Land

Raise, live, and connect.

Moldex Realty

The gateway to ideal community living.

PIK

Russia and Europe's largest homebuilder

For Ofws

What we do for OFWs

Safely secure your dream home from overseas.

Buying for Homeownership

Connecting you with the top developers nationwide.

Buying for Investment

For a seamless and stress-free property investment.

LOCATION GUIDES​

Life in SYNC is a Life Well Balanced

A good home gives good shelter, but a...

Quezon City Community Guide: Why Invest in Property in ‘QC

Quezon City is the Philippines’ second...

Break from the Metro: Why Buy a 
Home in Antipolo

While some seek their faith in Antipolo...

Buy a Home in Lipa for a Break from the Big City

Lipa continues to emerge as a good...

Finance & Investments

Your Starter Guide for Investing in Homes for Sale

Buying a home is a major expense but...

Why Employers Must Invest in Employees’ Homeownership

Employees sign-up and stay with the...

How to Successfully Save for Your Dream Home

With how high property prices are, ho...

Rent or Own? Either Way, It’s Easier Outside Manila

Manila has always been one of the co...

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