The following are the requirements to avail of the Pag-Ibig housing loan:

1. Active Pag-Ibig membership for at least 24 months as evidenced by the remittance of at least 24 monthly contributions;
2. Member must not be more than 65 years old at loan maturity and must be insurable;
3. Member has the legal capacity to acquire and encumber real property;
4. Member has satisfactorily passed background/credit and employment/business investigation or verification of the developer and HDMF;
5. Member has no outstanding Pag-Ibig housing loan, either as principal borrower or co-borrower.