Can I Withdraw My Pag-Ibig Contribution After 15 Years?

Have you been contributing to the Pag-IBIG Fund for more than 15 years? If so, are you aware of your options regarding withdrawing your contribution? Depending on your situation, you may be able to make a withdrawal from the fund. Let’s break down the process and what it entails.

can I withdraw my pag-ibig contribution after 15 years

The Pag-IBIG Fund or the Home Development Mutual Fund (HDMF) has a provision that allows members to withdraw their contributions after 15 years of continuous membership and is subject to certain conditions.

One of the conditions is that the member must be at least 60 years old at the time of withdrawal. This is the normal process for Pag-IBIG savings, where the member can withdraw their pag ibig mp2 contributions only after 15 years of membership, and after reaching the age of 60.

However, it’s important to note that, if you withdraw your contributions before you reach the age of 60 or before 15 years of continuous membership, you will be charged with a penalty. Also, if you withdraw your contributions before 15 years, the interest for the contributions will not be fully credited to you.

It’s advisable to consult with a Pag-IBIG Fund representative or a financial advisor before making any decisions about withdrawing your contributions, to ensure that you understand the conditions and any potential penalties, as well as how they may affect your future retirement plans.

Also, keep in mind that the information I provided is for Pag-IBIG savings and not for the Pag-IBIG MP2 savings, which is different. The MP2 savings can only be withdrawn after 5 years and maturity.

The Process for Withdrawing Your Contributions

Withdrawing your contributions after 15 years is allowed under certain circumstances. Before you can make a withdrawal, however, you must submit the following documents:

  • Your latest monthly savings contributions
  • Your valid ID (government-issued)
  • Certification of employment (if employed)

Once these documents have been submitted and verified by the Pag-IBIG office, they will then determine if you are eligible to withdraw a portion of your contribution or not. Generally speaking, withdrawals are only allowed if you have been contributing to the fund for at least 15 years or if you are at least 65 years old. This rule is subject to change depending on the guidelines set forth by Pag-IBIG.

How Much Can You Withdraw?

If approved for a withdrawal, how much money can you expect to receive back? The amount that you can withdraw depends on how much total contributions were made into your account over those 15 years as well as any interest that has accumulated over time.

Generally speaking, members are allowed to withdraw up to 75% of their total contributions and interest earned; however, this again is subject to change based on Pag-IBIG’s current guidelines. It’s important to note that any amount withdrawn is considered taxable income and will be reported accordingly by Pag-IBIG.


Making a withdrawal from your Pag-IBIG Fund account after 15 years is possible but only under certain circumstances. By submitting all required documents and making sure that all information provided is accurate and up-to-date, members have an opportunity to receive back up to 75% of their total contributions and interest earned over time.

However, it’s always best practice to check with Pag-IBIG directly in order get the most up-to-date information on requirements and eligibility before attempting any sort of withdrawal from your account. That way you ensure that everything goes smoothly!

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