How to Get Your Pag-IBIG Membership: A Guide for New BPO Employees

Pag-IBIG Fund (also known as HDMF — Home Development Mutual Fund) is one of the most valuable government benefit programs for Filipino workers — particularly for anyone planning to eventually own a home.

As a ShoreAgents employee (or any formal employer), mandatory Pag-IBIG membership is required.

What Pag-IBIG Provides

Your Pag-IBIG membership gives you access to:

• Housing loans — affordable home loans at government rates (the primary purpose)
• Multi-purpose loans — short-term personal loans at low interest
• Calamity loans — emergency financial assistance after declared calamities
• TAV (Total Accumulated Value) — your savings accumulate and earn dividends; returned upon retirement or separation

Even if you're not planning to buy a home right now, your Pag-IBIG contributions are growing in your fund — it's a forced savings program that works in your favor.

How to Register Online

Step 1: Visit www.pagibigfund.gov.ph

Step 2: Go to "Member's Virtual Pag-IBIG" or the online membership registration section

Step 3: Complete the online form:

• Personal information
• Contact details
• Employment information
• Beneficiaries

Step 4: Submit and receive your Pag-IBIG MID Number (Membership ID)

Your MID number is your lifelong Pag-IBIG identifier.

Walk-In Registration

Visit any Pag-IBIG Fund branch with:

• Completed Membership Registration Form (MRF-1) — available at branches or downloadable from the Pag-IBIG website
• Valid government-issued ID
• Recent photo (some branches)

Getting Your Pag-IBIG MID Card

After registration, you can claim your physical Pag-IBIG ID card at any branch. Alternatively, you can access your records through the Virtual Pag-IBIG portal.

Providing Your MID to ShoreAgents HR

Provide your Pag-IBIG MID number to our HR team during onboarding. We'll register your employment and begin the mandatory contribution process:

• Employee contribution: 2% of monthly compensation
• Employer contribution: 2% of monthly compensation

Both contributions go into your personal Pag-IBIG fund account.

Planning for Your Housing Loan

Even at the start of your career, it's worth understanding the housing loan pathway:

Basic eligibility:

• 24 months of Pag-IBIG contributions (doesn't need to be consecutive)
• At least 1 monthly contribution within the last 6 months before application
• Not more than 65 years old at loan maturity

The more contributions you accumulate, the larger the loan amount you can access. Start early — those contributions compound.

Virtual Pag-IBIG App

Download the Virtual Pag-IBIG app for:

• Contribution monitoring
• Loan application and management
• Fund value tracking
• Branch locator

Questions?

Your ShoreAgents HR team (that's me, Unika! 🧡) is happy to help with Pag-IBIG questions during onboarding.

📧 staff@shoreagents.com | 👉 shoreagents-careers.com