May 21, 2012

How to Get your Pag-ibig Housing Loan Billing Statement

My husband has been paying our monthly amortization at Pag-ibig office (Shaw) for the last several months and finally, he asked if there’s another way to pay our monthly dues and Pag-ibig staff informed him where we could pay our dues.

We could pay our monthly amortization at SM Payment Center; we just need to print the monthly billing statement from their site. Here are the step by step guide on “How to print housing loan billing statement (HLMBS) through Pag-ibig Fund Website”



How to Get your Pag-ibig Housing Loan Billing Statement

1. Go to www.pagibigfund.gov.ph
2. Click E-Service/Member’s E-Service
3. Click Housing Loan Payment Verifications
4. Type Surname, Name, Housing Loan Account Number and the code appearing in the box.
5. Click “View Billing Statement” (To disable the pop-up block un the upper left side of the screen click “Temporary allow pop-up)”
6. View, Download or Print Billing Statement

Note: The housing loan monthly billing statement is available for viewing or verification a week before the due date.

We receive the monthly text and email from Pag-ibig regarding our due so even without the statement, we can pay in SM Payment Center. Super late magdeliver ng bill statement sa amin, good thing there are other options to get the Housing Loan Billing Statement. 


Where to Pay your Housing Loan, Installment, or Amortization?

1. Over the Counter (OTC) Payments at the HDMF Branches

Any HDMF Branch, if payment is made on or before the due date specified in the “due date” portion of the Housing Loan Monthly Billing Statement. You may visit www.pagibigfund.gov.ph for the list of HDMF branches.


Only at the HDMF Branch maintaining the account, if payment is made after the specified due date in the “due date” portion of the Housing Loan Monthly Billing Statement.

2. Accredited Collecting Agents (Developers with Collection Servicing Agreement with HDMF, SM Business Service Centers, and Landbank of the Philippines [All branches]).

Only if payment is made on or before the due date specified in the "due date" portion of the House Loan Monthly Billing Statement. You may visit www.pagibigfund.gov.ph for the list of Accredited Collecting Banks/Agents for local and overseas. 


Update: Please be informed that effective July 1, 2018, all housing loan borrowers shall be required to pay their monthly amortization/installment through the Fund's accredited collecting partners.

1. Metrobank
2. SM Payment Center, SM Savemore Supermarket, SM Hypermarket. (PHP5 fee)
3. Bayad Center and its authorized partner (PHP7 fee)
4. Landbank of the Philippines
5. Western Union
6. LBC
7. For Overseas: AUB, IREMIT, PNB and VENTAJA

Note: I paid our amortization last Sunday March 24, 2013 and SM is now charging additional P5 for Pag-ibig Service Fee.

My husband paid our amortization last November 20, 2016 and the staff informed him that we need to pay the exact amount. Hindi na daw pwede yung sobra. So sayang na naman ang centavos na hindi maisusukli for sure ng cashier. But this year, 2018 they accept our payment naman kahit nakaround-off na and wala na centavos. Maybe it depends on the cashier, some cashier wanted an exact amount and other cashiers allow round off. 

How to Check your Pag-ibig Payment History 

1. Go to www.pagibigfund.gov.ph
2. Click E-Service/Member’s E-Service
3. Click Housing Loan Payment Verifications
4. Type Surname, Name, Housing Loan Account Number and the code appearing in the box.
5. Click “Payment History” (To disable the pop-up block un the upper left side of the screen click “Temporary allow pop-up)”
6. View, Download or Print Payment History

Note: You can only view the last 12 payments made. If you want the full payment history, you can go to Pag-ibig office and they can print it for you. We've done this last year when we planned to apply for Pag-ibig Repricing. 

Update January 2020

For the very first time, we did not receive any bill from Pag-ibig, no email, no SMS, and when I check online, there is no new bill that I can download. So we just paid our Monthly Amortization using the old bill. My husband called Pag-ibig regarding our concern and we were advised na bayad na daw kasi kami kaya wala bill.

Last December, we went to Pag-ibig, nagbayad kami para less principal so ang nangyari, binawas daw doon yung January bill namin. Waah! Less principal nga so hindi ko gets bakit naging advance payment. So paano kaya yung bayad namin ng January, magiging for February. Hay! Anyway, we were advised to call Pag-ibig if 5 days before the due date, wala pa rin daw bill.

Update February 2020

We received our bill for February, ang total due namin is P19.01 so naging advance payment din yung binayaran namin last January. Nagkulang lang ng konti since ginaya lang namin yung total due nung December bill.

Update August 2020

Before the start of the community quarantine, we paid our March bill and when we received our April Bill, they charged us March and April due plus late interest so hindi nagreflect bayad namin nung March. So we emailed Pag-ibig regarding this concern and they advised us to disregard and wait for a new bill.  Ilang buwan ang nakalipas pero walang new bill and kahit mag-email kami, wala din nangyayari. When we received a text that we need to pay our due at tapos na daw ang Bayanihan Act. Hindi naman sinabi kung magkano due namin, so I just multiply kung ano ang amount sa March bill x 4 (April to July) and paid at SM Payment Center using the April Bill (changed amount lang). Just this week, we received our August bill and the amount due is P0.00. I don't know why. May error ba sa system nila? I will wait for next month's bill and I hope maayos na.

Update September 2020

We received our September Bill and we were surprised because there is "Grace Period on your Loan Payments (Accrued Interest PHPXX.XX)" Waah! Alam namin na hindi kami nakapagbayad because we don't have a billing statement, nung April pa kami nanghihingi ng updated bill sabi nila wait daw. Then April 15, we saw their announcement on their Facebook Page.

"We're putting ALL LOAN PAYMENT dues ON HOLD while the Enhance Community Quarantine is in effect, which means all borrowers can settle their accounts once the quarantine ends. 

This is in accordance with the implementing Rules and Regulations (IRR) of Republic Act No. 11469, otherwise known as the Bayanihan to Heal as One Act"

No dues
No penalties
No application required

Now you have one less thing to worry about.



So we patiently waited for our bill online and wala update since April. When we received the text last July na kelangan na namin magbayad dahil tapos na ang Bayanihan. We paid the April to July monthly amortization kahit wala sila binigay na amount due namin. Then last August, we received a bill pero no amount due, P0.00 so akala namin okay na. Nakakagulat dahil ang laki ng accrued interest na babayaran namin + the September due and no explanation kung ano computation nila, we emailed Pag-ibig pero no reply.

Update October 2020

Since no update na naman sa email about Accrued Interest, my husband went to Pag-ibig Office and the staff explained to him about the Accrued Interest so ending, he paid the Accrued Interest + Monthly Amortization so hopefully back to normal na ang bill namin. In short, no penalty nor interest, parang yung interest is for the housing loan na hindi daw nila siningil nung may Bayanihan Act. Hindi siya interest dun sa 3 months na hindi namin nabayaran during community quarantine. Lesson learned, pumunta na lang sa Pag-ibig Office para may sagot agad at wala din nangyayari pag nag-email ka. 

Hope this helps!

22 comments:

  1. how to view the statement of account or billing statement already paid from year 2006 to 2016.

    ReplyDelete
    Replies
    1. You need to go to Pag-ibig office to verify all the payments from 2006 to 2016 because you can only download Payment History for the last 12 months, if you check it online.

      Delete
  2. Panu po maverify ung nahulog nmin

    ReplyDelete
    Replies
    1. Punta po kayo Pag-ibig office or pwede din po maview online, go to https://www.pagibigfundservices.com/ then click House Loan Verification, then enter your details then click Online Services and download Payment History. (12 months only)

      Delete
  3. how wl know kung bka bayad na kami,para naman ma monitor namin just incase poh hanapan kami ng copy..thank you

    ReplyDelete
    Replies
    1. Go to https://www.pagibigfundservices.com/ then click House Loan Verification.
      Enter your details then click Online Services
      Download Billing Statement or Payment History.
      * For payment history, you can only view up to 12 months.

      Delete
  4. Can we pay thru gcash or paymaya?

    ReplyDelete
    Replies
    1. Hi, I haven’t tried it yet. I only pay at SM payment center.

      Delete
  5. Tanong ko lng po about s monthly payment ng housing loan last month of march and april..pano yung pagbayad ng march at april?

    ReplyDelete
    Replies
    1. Hi, yung March nabayaran namin (before ECQ) pero hindi nagreflect sa Pag-ibig so nag-email kami and advise sa amin na idisregard daw yung April Bill at magwait ng adjusted bill namin. Until now wala pa rin kami bill so yung April and May wala pa kami nabayaran.

      Delete
    2. Ask ko lang po, nakapagbayad na po kayo ng bill? Nareceived nyo na po ba ung adjusted bill?.. Kasi po ung akin pgcheck ko po sa onLine ang andun lang po is April Bill.

      Thank you po.

      Delete
    3. True, sa online April pa rin ang bill, hindi pa sila nagbigay ng bago. No email and no text din ng bill. Sana after June 30 magbigay na sila bill.

      Delete
  6. How to pay bdo online banking

    ReplyDelete
    Replies
    1. Hellom hindi ko pa natry magbayad through BDO online banking so no idea.

      Delete
  7. payment ko for the month of APRIL ay may penalty due to ECQ kaya di ko po nabayaran nung March

    ReplyDelete
  8. Hindi po ako nakapagbayad ng april & May housing bill due to ecq.And by june 25 is my due date pero wala pa po ako narerecieve na bill sa email kelan po kaya ang update sa billing.

    ReplyDelete
    Replies
    1. Feeling ko tinatapos nila yung Bayanihan to Heal as One Act. I hope after June 30, mabigay na yung bill. No dues and penalties naman daw because of the grace period.

      Delete
  9. Hello po..ask lang po ako paano po nakabayad na ako this june ng monthly amortizatuon namin march to june bali 4 mos. Po binayaran ko..automatic ba mapasok un sa march to june?binayaran ko po kahit wla ako na receive na bill,slamat sana masagot,tapos panu po ma check through internet ung mga nabayaran mo na sa pagIBIG,list of payments po kung baga..thanks po ulit

    ReplyDelete
    Replies
    1. Nagbayad na din kami kahit wala bill, then after a month nakareceived na kami ng bill statement online. How to check payments, nasa blog post yung steps.

      Delete
  10. Good eve po...paano po kami makabayad ng housing loan amortization na wala man po kaming makitang billing statement online.
    Mahirap kasi kami magpunta sa office niyo sa panahon....

    ReplyDelete
    Replies
    1. Hindi rin kami nakatanggap ng bill, ginawa na lang namin ginamit namin yung April, change amount lang and nagbayad sa SM Payment Center.

      Delete
  11. WE try to llok our billing on line and it says NO RECORD FOUND.

    ReplyDelete