Feeling lost in the process and not sure where to start?

We get it. Signing up online can be confusing. This is especially true when it’s about securing your future savings and benefits.

At Philippine Go, we care about making things easy for you. Let’s tackle PAG-IBIG online registration together.

In this guide, we’ll walk you through each step of the process. That way, you can sign up hassle-free and access those PAG-IBIG benefits.

Follow along, and let’s ensure you breeze through PAG-IBIG online registration together!

What is Pag-IBIG Fund?

Pag-IBIG Fund, also known as the Home Development Mutual Fund (HDMF), is a government-owned corporation in the Philippines that provides affordable housing loans and other housing-related benefits to its members. 

It was established in 1978 to address the growing need for housing financing among Filipino workers.

Being a Pag-IBIG Fund member has many advantages, such as access to housing loans, short-term loans, and savings programs. 

However, becoming a member used to require a lot of paperwork and visits to a Pag-IBIG Fund office. 

Thanks to technology, becoming a member of the Pag-IBIG Fund is now easier than ever before, with the introduction of the Pag-IBIG Online Registration system. 

In this article, we will guide you on how to become a member of the Pag-IBIG Fund without the hassle through Pag-IBIG Online Registration.

Advantages of Pag-IBIG Online Registration

Pag-IBIG online registration offers two main advantages: convenience and accessibility and a time-saving process. 

Members no longer need to visit a physical branch and can register or update their information quickly and easily online.

How to Register for Pag-IBIG Online

If you want to register for Pag-IBIG Fund online, you need to follow a few simple steps. 

Below are the requirements for Pag-IBIG Online Registration and a step-by-step guide on how to register:

Requirements for Pag-IBIG Online Registration:

1. A valid and active Pag-IBIG membership identification number (MID)

2. A working email address

3. A mobile phone number

4. An internet connection

5. A web browser (Google Chrome, Mozilla Firefox, or Safari)

Step-by-Step Guide on How to Register for Pag-IBIG Online:

1. Go to the official website of Pag-IBIG Fund at www.pagibigfund.gov.ph.

2. Click on the “E-Services” tab on the homepage and select “Membership Registration” from the drop-down menu.

3. Click on the “Online Registration” button on the right side of the page.

4. Fill out the online registration form with your personal information, employment details, and contact details.

5. Verify your registration by entering the confirmation code sent to your email address and mobile phone number.

6. Set your password and security question to complete the registration process.

Congratulations! You have successfully registered for Pag-IBIG Fund online. You can now access your Pag-IBIG membership information, update your personal details, and apply for Pag-IBIG loans and benefits online.

Common Issues Encountered During Pag-IBIG Online Registration

While Pag-IBIG online registration is a convenient process, some members may encounter problems along the way. 

Some of the common issues include forgotten passwords, incorrect or incomplete information, and technical difficulties. 

If you forgot your password, you can reset it by clicking the “Forgot Password” link on the login page. 

You will then need to provide your registered email address or mobile number to receive instructions on how to reset your password. 

If you entered incorrect or incomplete information, you need to log in to your account and update your details. 

Tips for a Smooth Pag-IBIG Online Registration Process

To ensure a smooth online registration process, here are some tips to keep in mind:

  1. Check your internet connection and use a reliable device to avoid technical issues.
  2. Double-check your personal information before submitting to avoid mistakes or errors.
  3. Use a strong password and keep it secure.
  4. Save your Registration Tracking Number as you will need it to pay your contributions and verify your Pag-IBIG ID number.
  5. If you encounter any issues, visit the FAQ section or contact customer service for assistance.
  6. If you prefer to register in person, visit a Pag-IBIG branch near you, and ask a staff member to assist you.

By following these tips, you can ensure a smooth and hassle-free online registration process with Pag-IBIG.

Who Qualifies to Join Pag-IBIG?

If you want to enjoy Pag-IBIG benefits, you need to become a member. The membership can be either mandatory or voluntary, depending on your work situation. Let’s break it down:

Mandatory Membership:

According to the Pag-IBIG Fund law (Republic Act 9679), certain Filipino workers are required to be members. This includes:

  • a. Private employees:
    • Those working for private companies in the Philippines, aged up to 60, regardless of their employment status or Social Security System (SSS) registration.
  • b. Government employees:
    • Public officials and employees, covered by the Government Service Insurance System (GSIS), including those in the Judiciary, Constitutional Commissions, and uniformed members of the Armed Forces, Philippine National Police, Bureau of Jail Management and Penology, and Bureau of Fire Protection.
  • c. Overseas Filipino Workers (OFWs):
    • Both land-based and sea-based Filipinos working abroad. Since 2022, Pag-IBIG membership and monthly contributions are mandatory for all OFWs.
  • d. Self-employed professionals:
    • Entrepreneurs, freelancers, athletes, and other self-employed individuals up to 60 years old with a minimum monthly income of ₱1,000.
  • e. Kasambahays:
    • Household workers like maids, drivers, cooks, and gardeners with a monthly income of at least ₱1,000.

Voluntary Membership:

Pag-IBIG membership is also open to Filipinos and foreign residents aged 18 to 65 under voluntary membership. This includes:

  • a. Non-working spouse:
    • Housewives and househusbands are managing their households full-time and married to a Pag-IBIG member.
  • b. Former Pag-IBIG members:
    • Pensioners, investors, and others no longer employed but earning passive income or receiving allowances.
  • c. Barangay officials and employees:
    • Public officials or employees not covered by GSIS, such as barangay chairpersons, kagawads, and Sangguniang Kabataan members.
  • d. Expatriates:
    • Foreign nationals up to 60 living and working in the Philippines. While membership is not mandatory, they can enroll voluntarily.
  • e. Students:
    • Students aged at least 18 can register as voluntary members, even if they have part-time jobs, to save and grow their money in Pag-IBIG MP2.
  • f. Unemployed Filipinos:
    • New college graduates and other Filipinos are seeking employment but capable of paying monthly contributions.


In conclusion, becoming a member of the Pag-IBIG Fund has never been easier with the introduction of the Pag-IBIG Online Registration system. 

With this system, members can enjoy the convenience and accessibility of registering or updating their information online. 

By following the simple steps and tips provided in this guide, you can ensure a smooth and hassle-free online registration process with Pag-IBIG Fund and enjoy the benefits of being a member. 

Whether it is mandatory or voluntary, there is a Pag-IBIG membership category available for you, so don’t wait any longer and secure your future savings and benefits today.


  1. Registration as New Member. (n.d.). Www.pagibigfundservices.com. Retrieved December 14, 2023, from https://www.pagibigfundservices.com/PubReg/NewReg_Page.aspx#
  2. Online Membership Registration. (n.d.). Www.youtube.com. Retrieved December 14, 2023, from https://youtu.be/h3G72qa3kPk?si=6sDYNslvwdp_oR6-