useful information I got from a customer service agent from Pag-IBIG/HMDF (Philippines) regarding your contributions and eligibility for a housing loan:
Good day to you,
We would like to inform you that members who have made at least 24 monthly contributions, an active member of Pag-IBIG Fund and has source of income/capacity to pay at the time of application, may avail of a housing loan from Pag-IBIG. For those member who has lapses in their contribution may not affect the eligibility of availing housing loan. The most important is you have updated your contribution up to the last month prior to the date of your loan application.
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