How to Pay Pag-IBIG Contributions for Filipinos in Kuwait

Did you know that there are different ways to pay your Pag-IBIG Fund contribution? You can go to the bank, a remittance center, or simply make an online payment. This is especially convenient if you’re an overseas Filipino worker (OFW) who’s often busy at work!

As part of Republic Act No. 9679 or the “Home Development Mutual Fund Law of 2009,” membership of OFWs to the HDMF or Pag-IBIG Fund is mandatory. On the other hand, for Filipino immigrants, permanent residents abroad, and those naturalized in other countries — membership with Pag-IBIG is voluntary.

Kuwait OFW’s Guide to Paying Pag-IBIG Contributions

Before discussing the different ways to pay contributions, let us take a quick look at what the Pag-IBIG Fund is, and the benefits it offers to OFW members.

What is Pag-IBIG?

“Pag-IBIG” stands for the phrase “Pagtutulungan sa kinabukasan: Ikaw, Bangko, Industriya, at Gobyerno.” Also known as the Home Development Mutual Fund (HDMF), it is a government corporation that provides affordable housing loans and savings programs. The Pag-IBIG Fund is managed by the Philippine Department of Human Settlements and Urban Development (DHSUD).

Vision and Mission

Based on its official website, the Pag-IBIG Fund’s vision is “for every Filipino worker to save with Pag-IBIG Fund, to achieve their dream of home ownership, and to improve their quality of life.”

Meanwhile, the Pag-IBIG Fund’s mission is “to generate more savings from more Filipino workers, to administer a sustainable Fund with integrity, sound financial principles, and with social responsibility, and to provide accessible funds for housing of every member.”

Programs and Benefits

Pag-IBIG Fund members, both inside and outside the Philippines, can access the following programs and benefits:

Pag-Ibig I Savings

Also known as “Regular Savings,” this is where your monthly contributions (now at PHP 200 a month) go. The great thing about this program is that it offers higher annual dividend earnings compared to commercial banks. When you retire, you will receive the Total Accumulated Value (TAV), which includes all of your monthly savings, the employer’s counterpart (if applicable), and dividend earnings.

Modified Pag-IBIG 2 (MP2) Savings

If you want to earn more, in addition to your Regular Savings, consider signing up for the Modified Pag-IBIG 2 (MP2) Savings, as it earns a higher dividend rate. You can start by contributing a minimum of PHP 500 per month, watch your savings grow, and withdraw it after a maturity period of five (5) years.

Housing Loan

Members can borrow up to PHP 6 million through the Pag-IBIG Fund Housing Loan. This amount may be used to: purchase a residential lot, purchase a residential house and lot, build a house, improve a house, refinance an existing housing loan, or to finance a combination of different housing purpose.

Calamity Loan

If your house has been struck by a typhoon, flood, or earthquake — or if your family has been affected by natural calamities — you can apply for Pag-IBIG Fund’s Calamity Loan, which provides immediate financial assistance. This loan amounts to a maximum of 80 percent of your Regular Savings, with a repayment period of 24 months or 36 months.

Health and Education Loan Programs (HELPs)

If you need financial assistance for you or your family’s health and educational expenses, this program is a great option. Just like the Calamity Loan, it offers up to 80 percent of your Regular Savings. The amount will be credited directly to the hospital and/or school concerned, for faster and simplified processing.

Multi-Purpose Loan

Similar to the Calamity Loan and HELPs, the Multi-Purpose Loan (MPL) offers loans up to 80 percent your Regular Savings, payable over a 24-month period. The MPL may be used for various purposes, such as minor home improvements, children’s tuition, or even additional capital for a small business.

Video: Pag-IBIG Multi-Purpose Loan

If you are thinking about getting a Multi-Purpose Loan from Pag-IBIG, check out this video shared by the Pag-IBIG Virtual Office – United Arab Emirates and Kuwait Facebook page. This video presents an overview of the MPL, and the required documents:

How to Pay Pag-IBIG Contributions

You can pay your Pag-IBIG Fund contributions offline (over the counter) or online. For over the counter payments, there are banks and remittance companies that are accredited by Pag-IBIG. These include the Philippine National Bank (PNB), Asia United Bank (AUB), and Ventaja International Corporation — along with their partner collecting agents overseas.

To make an over the counter payment, go to a bank or remittance company accredited by Pag-IBIG and ask for a Remittance Application Form. Don’t forget to tell the branch staff that you intend to pay your Pag-IBIG Fund contribution.

Pag-IBIG Remittance Centers in Kuwait

Below is a list of banks and remittance companies in Kuwait where you can pay your Pag-IBIG Fund contributions. These banks/companies are collecting agents of PNB, AUB, or Ventaja, which are accredited partners of Pag-IBIG.

• Al Ansari Exchange Co WLL
• Al Ektasad United Exchange Co WLL
• Al Muzaini
• Al Sultan Exchange
• Aman Exchange Company WLL
• Automated Services Network Company
• Bahrain Exchange Co
• Joyalukkas Exchange
• Kuwait Marketing Office
• Kuwait National Exchange Co WLL
• National Exchange Company
• National Money Exchange Company WLL
• Oman Exchange Co WLL
• Riyal Exchange Company WLL
• Sulaiman Al Mukhazem Exch
• UAE Exchange Kuwait
• Wall Street Exchange
• Western Gulf General Trading Est

How to Pay Pag-IBIG Contributions Online

If you have a bank card (MasterCard/Visa) or digital wallet (Maya/GCash), you can pay your Pag-IBIG Fund contributions online, through the Virtual Pag-IBIG website.

Before using this website, you’ll need to register and create a Virtual Pag-IBIG Account first. This can be done online or at the nearest Pag-IBIG branch. Through this online portal, you can pay contributions and loans, check your savings and loan records, set an appointment at a Pag-IBIG office, and make other transactions.

Contact Information: Pag-IBIG Fund Kuwait

The Pag-IBIG Fund office is based at the Migrant Workers Office (MWO) in Kuwait, which is open from 7:00 am to 4:00 pm, Sundays to Thursdays. Here are the office’s contact details and location map:

Address: Building 256, Street 213, Block 2, Sabah Al Salem Area, Kuwait
Telephone: +965 9669 3777
Email: popkuwait@pagibigfund.gov.ph / mahmoudbkhalil@yahoo.com
Website: https://kuwaitpe.dfa.gov.ph/the-embassy/pagibig-fund
Facebook: https://www.facebook.com/PagIBIG.VO.UAE.Kuwait

Google Map Location:

Final Thoughts

Even if you are outside the Philippines, you can apply for housing loans and high-earning savings programs as a Pag-IBIG Fund member. Also, thanks to Virtual Pag-IBIG, paying your contributions and checking your records is easy and convenient!

Meanwhile, another service available to OFWs is passport renewal, which is processed through the Philippine Embassy. If your passport is expiring soon, check out this guide on renewing your Philippine passport in Kuwait.