Understanding PAG-IBIG Fund

Pag-IBIG Fund is a government-mandated savings program in the Philippines that provides housing loans, financial assistance, and other benefits to Filipino workers. Over time, many members might find their accounts inactive due to periods with no contributions.

Reasons for Inactivity

Several reasons can lead to an inactive PAG-IBIG Fund account. These include unemployment, working abroad, or simply forgetting to make contributions. Understanding why your account became inactive is the first step towards reactivating it.

Steps to Reactivate Your PAG-IBIG Fund Account

1. **Visit a PAG-IBIG Office**: The first step to reactivating your account is to visit the nearest PAG-IBIG office. Ensure you bring valid identification and your PAG-IBIG MID number.

2. **Fill Out the Required Forms**: Once at the PAG-IBIG office, you will need to fill out the “Member’s Change of Information” form. This form allows you to update any outdated information in your account. Ask the information section for the form or you can download it here -> Members Change Information Form MCIF and print to fill-up (Check the requirement on page 2 of the form).

3. **Pay the Required Contributions**: After updating your information, you’ll need to pay the contribution rate based on the status you choose for your new membership. Example for voluntary membership contribution, you just need to pay Php 200/mo.  An option to pay your membership savings online next time can be found here, if you are on your desktop -> https://www.pagibigfundservices.com/virtualpagibig/OPF.aspx?PT=MC   or you can use GCASH or MAYA Apps on your mobile to pay for it.

Maintaining an Active Account

To keep your PAG-IBIG Fund account active, make it a habit to contribute regularly. For those working abroad, arrangements can be made to ensure continuous payment. Regular contributions not only keep your account in good standing but also make you eligible for various benefits down the line.

Conclusion

Reactivating your PAG-IBIG Fund account might seem daunting, but it is a straightforward process that ensures you continue to enjoy the benefits offered. By following the above steps, you can successfully reactivate your account and maintain its active status.