Pag-IBIG Housing Loan for Close Relatives: Understanding the Conditions

The Pag-IBIG Fund plays a significant role in Filipino homeownership, offering various housing loan programs. While many people dream of owning a home, questions often arise regarding eligibility, particularly when it comes to buying property for close relatives. Here’s a breakdown using the latest Pag-IBIG guidelines to clarify who can qualify for a Pag-IBIG housing loan for close relatives.

Pag-IBIG’s Focus: Member Benefits

Pag-IBIG prioritizes providing housing benefits to its active members (those with regular contributions). This ensures members themselfves have the opportunity to secure a home through Pag-IBIG financing.

Can I Use My Pag-IBIG Loan for a Close Relative?

According to Pag-IBIG Circular No. 396 (as of October 26, 2023), there are limitations on using your Pag-IBIG housing loan for a close relative:

  • Accommodating Mortgagor Only: Pag-IBIG allows an accommodation mortgage only for the principal borrower’s relatives up to the second degree of consanguinity or affinity. This means you can be a co-borrower on the loan for your parents, children, or siblings. In this scenario, you and your relative would be jointly liable for the loan repayment.
  • Property Ownership: The property purchased with the Pag-IBIG loan must be registered in the names of all the borrowers (including you and your relative).

Alternative Solutions:

If you cannot be a co-borrower or the property isn’t intended for your own residence, here are some alternative options:

  • Direct Purchase by Relative: Encourage your relative to become a Pag-IBIG member and meet the eligibility requirements for their own Pag-IBIG housing loan.
  • Alternative Financing: Explore loan options from other banks or lending institutions that may offer financing for purchasing property for close relatives.


  • Pag-IBIG’s primary objective is to aid members in acquiring their own homes.
  • The Pag-IBIG website ( provides detailed information on housing loan programs and eligibility criteria.
  • You can contact your nearest Pag-IBIG branch for personalized guidance and to explore loan options that might better suit your situation.

Considering the Future:

While using your Pag-IBIG loan for a close relative might not be straightforward, there are alternative solutions. Remember, Pag-IBIG’s core function is to empower members to achieve their own homeownership dreams. By exploring other options, you can still support your relative’s desire for a home while preserving your eligibility for a Pag-IBIG loan in the future.