After 10 years, you can withdraw your Pagibig Fund Contributions with Interest
By jureathome
@jureathome (5361)
Philippines
January 14, 2013 9:15am CST
Do you know about this?
I just read from a friend's post, reminding everyone else that we can withdraw our Pagibig Fund contributions with interest, after 10 years of uninterrupted contributions. Wow! If I only knew about this, I would have continued my contributions as voluntary member. I totally never knew a lot about pagibig, aside from the known fact that they can loan us money for housing and other purposes. I only continued my SSS membership after I resigned from work.
For those who know much about Pagibig, what will happen to those like me, who stopped paying, but would be willing to resume contributions? Can I still get some money back? I have been paying my premiums since 2000, but there were interruptions due to movement from one company to another. 
2 people like this
7 responses
@hereandthere (45651)
• Philippines
15 Jan 13
unlike the sss, pagibig contributions are not centralized. they're usually posted in the branch nearest your office.
what you can do is have them all consolidated in one branch, say, the nearest one to your house, or the branch where you last worked. bring a list of all the offices you worked for, their address and the months and years you worked for them, include sister companies or subsidiaries, company name changes, etc. then ask them how to be a voluntary member/individual payer.
http://www.pagibigfund.gov.ph/voluntarybenpromembership.aspx
pagibig also offers multipurpose loans/personal loans and it's 2 years to pay also, so it's good to consolidate all the contributions first. http://www.pagibigfund.gov.ph/benprompl.aspx
but i'm not sure if they will allow those who are unemployed so it's better to call or go to the nearest branch so they can answer all your questions. i also don't think the withdrawal after 10 years of uninterrupted contribution is applicable to everyone. again, it's best to get it from the horse's mouth.
1 person likes this
@SIMPLYD (90722)
• Philippines
15 Jan 13
I agree with you my friend. It's best to go to a Pag-ibig office and inquire about these these things.
Although, like you said, when i finally come home to the province to work, i went to Pag-ibig and requested that all my contributions from my previous employers be already consolidated in our province. Thus, they did.
I already have with me the hard copies of the contributions i was able to give since i started working. Also, i was able to apply for a loan. 
@jureathome (5361)
• Philippines
16 Jan 13
I read about the voluntary membership, and it did state there that nonworking spouses are not eligible to register. I only have my SSS to keep.
@hereandthere (45651)
• Philippines
15 Jan 13
hi, d for dancing queen. 
i'm glad you were able to transfer them from manila to bicol.
yes, i was able to get a multi-purpose loan 4 or 5 years ago. it's easier when you're connected with a company because the hr or payroll people can process the documentation and then they will automatically deduct your payment from your salary every month so you will be able to finish paying it of within 24 months.
i'm glad you were able to transfer them from manila to bicol.
yes, i was able to get a multi-purpose loan 4 or 5 years ago. it's easier when you're connected with a company because the hr or payroll people can process the documentation and then they will automatically deduct your payment from your salary every month so you will be able to finish paying it of within 24 months.
@julyteen (13252)
• Davao, Philippines
15 Jan 13
Just like you I have also payment interruption but nice thing even I stop paying for awhile I continued now as voluntary member. I didn't think about the withdrawal of my contributions after 10 years. Most important for me is to avail the benefits while I am still a member like having salary, housing and calamity loan.
1 person likes this
@julyteen (13252)
• Davao, Philippines
16 Jan 13
I joined pag-ibig since March 2000 but after 6 years of regular contribution I decided to resign my previous company so for about 3 years no contribution at all. Then I go back paying and grant a loan. Now, I continue paying as voluntary even my status of employment is OFW.
1 person likes this
@jureathome (5361)
• Philippines
16 Jan 13
Julyteen, just want to clarify about your employment status. Are you an OFW, or you just used that as your status to be able to contribute as voluntary member?
I read from hereandthere's link on a response above that we can't be voluntary members if we are not employed.
@hereandthere (45651)
• Philippines
16 Jan 13
have you looked at the pagibig II program? you pay 500 monthly for 5 years then you can withdraw it with interest (and the interest rate is higher). but i'm not sure if it's allowed for voluntary members. http://www.pagibigfund.gov.ph/pop/mp2.htm
have you consolidated all of your contributions into one branch only? you just have to give them a list of all the companies you worked for, the address, months and years you worked there.
1 person likes this
@chiyosan (30184)
• Philippines
15 Jan 13
I didn't know this can be done?! this sure is a pleasant surprise! hehe i think that would amount only to 12000 pesos, because if contributions are at a 100 each much for 12 months a year for 10 years... then that would be only that amount, then. :D
1 person likes this
@jureathome (5361)
• Philippines
16 Jan 13
Most likely, and it may be wiser to just keep contributing and take advantage of the benefits.
@rsa101 (37968)
• Philippines
16 Jan 13
It would be best that you ask them about this. I know that your money will still be earning for as long as your money is there despite you stopped paying them. But of course it will not grow as those who regularly pay them monthly.
I am not aware of this since I am more than 10 years already contributing in here but I do not wish to withdraw it yet and continue until probably retirement so that I can maximize my money there than withdrawing it now. Anyway I am enjoying the loans I get from them for now that I am still employed.
@rsa101 (37968)
• Philippines
16 Jan 13
Well the loans I have with them is the regular salary loan only. They are fast in processing it and you have to pay in 24 months period. I noticed that once you start loaning the principal loaned to you goes bigger as well. I know the starting amount is 14K and it will grow in time if you are able to finish your previous loans.
@jureathome (5361)
• Philippines
16 Jan 13
That's right. This is a good savings for retirement. If you are able to enjoy the benefits while your money is with them, then that's even a much better option.
I haven't made any loan with pag-ibig though.
@hereandthere (45651)
• Philippines
16 Jan 13
rsa, if you can afford it, i think you can increase your contribution even if your company's contribution is still the same. ex. 200 from you, 100 from the company. i think that's another difference between pagibig and sss.
1 person likes this
@choybel (5042)
• Philippines
15 Jan 13
I haven't heard about this and don't really know much about this stuff but this is interesting. If it is true I will inform my girlfriend about this as she is the one currently paying for her account now. I believe the best way to find out more about this and about your situation is to inquire them personally or maybe visit their website if they do have have one.
@jureathome (5361)
• Philippines
16 Jan 13
You should share the information. I got this from a lawyer friend who posted it on her Facebook account for other friends to know, too.
Actually, I don't know if it's easy to get help from them. It's always crowded in their office, when we go there to pay for our housing loan. Everyone is busy. I'll try to check if they have email or chat support for inquiries.
@ARIES1973 (11426)
• Legaspi, Philippines
15 Jan 13
I think you can still be a voluntary member but you have to shoulder the employers counterpart. To be sure you may visit the nearest pagibig branch near you. Have a nice day!
@jureathome (5361)
• Philippines
16 Jan 13
That was what I was hoping, that I could continue contributing however, nonworking spouse are not eligible. Unlike, SSS, they allow those who are not employed to be voluntary members.
@mrsuniega (786)
• Philippines
18 Jan 13
i heard this on the news. for me I'm not a member of PAGIBIG. I was a kid when I first heard of this PagIbig when my dad had a brochure of this. its a housing loan as everyone new about it. well I think try to search on the internet regarding this new benefit.
