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Pag-IBIG Housing Loan Application Form for Co-Borrower

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HOUSING LOAN APPLICATION (For Co-Borrower Only)

HQP-HLF-069 (Revised/August 2012)

CO-BORROWER’S DATA

Last Name

First Name

Name Extension

Middle Name

Citizenship

Date of Birth

Sex

M    F

Permanent Home Address

Marital Status

Present Home Address

Contact Details (Indicate country code if abroad)

For HDMF Use Only

Employer/Business Name (If self-employed)

Contact Details (Indicate country code if abroad)

Employer/Business Address

Occupation

Years in Employment/Business

Industry

No. of Dependent/s

Position & Department

Preferred Mailing Address

SPOUSE’S PERSONAL DATA

Employer/Business Address

Occupation

Position & Department

Business Tel. No.

Industry

GROSS MONTHLY INCOME

Particulars

Co-Borrower

Spouse

BANK ACCOUNTS (Indicate your 3 most active)

CREDIT CARDS OWNED (Indicate your 3 most active)

REAL ESTATE OWNED

OUTSTANDING CREDITS/LOAN AVAILMENTS

MISCELLANEOUS

Are there past or pending cases against you?

If yes, please indicate the nature, plaintiff, amount involved and the status.

Do you have past due obligations?

If yes, please indicate the creditor’s name, nature, amount involved and due date.

Was your bank account ever closed because of mishandling or issuance of bouncing checks?

If yes, please indicate the bank’s name, nature, amount and date.

LOAN AND CREDIT REFERENCES

TRADE REFERENCES (For Self-Employed Only)

CHARACTER REFERENCES

CERTIFICATION

I/We certify that the foregoing information/statement is to my/our knowledge, true, correct, complete, and updated. The signature/s appearing below is/are genuine. I/We authorize Pag-IBIG Fund to conduct verification on all the details stated on this document as well as the other documents. I/We have submitted from whatever source it may consider appropriate to establish its correctness, validity, and authenticity.

I/We hereby agree that any misrepresentation of a material fact is a ground for disapproval of the application, cancellation of the loan, and shall be a cause for the total outstanding obligation to be due and demandable and shall be subject to other sanctions provided in existing Pag-IBIG guidelines. I/We agree to notify Pag-IBIG Fund of any material change affecting the information contained herein. I/We agree that all information obtained by Pag-IBIG Fund shall remain its property whether or not the loan is granted.

SIGNATURE OF CO-BORROWER

DATE

SIGNATURE OF SPOUSE

DATE

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What the Pag-IBIG Housing Loan Application Form for Co-Borrower Is

The Pag-IBIG Housing Loan Application Form for Co-Borrower documents a co-borrower’s agreement to join a primary applicant on a Pag-IBIG Fund housing loan application. It captures co-borrower identity, income, employment, and consent to shared liability for repayment. Lenders and Pag-IBIG use the form to assess combined borrowing capacity and collateral responsibility. This guide explains required fields, supporting attachments, common errors, submission channels, eSignature considerations for U.S.-based signers, and recordkeeping expectations for loan files.

Why Accurate Completion Matters

A correctly completed co-borrower form prevents application delays and establishes legal responsibility for the loan. Complete, consistent entries speed underwriting, reduce follow-up requests, and protect all parties by documenting consent and shared obligations under the loan agreement.

Why Accurate Completion Matters

Who Completes and Reviews This Form

Typical users include borrowers, co-borrowers, loan officers, and employer HR representatives who assist with Pag-IBIG submissions.

  • Primary Borrower — Reviews co-borrower information and confirms shared loan terms before submission.
  • Co-Borrower — Provides identity, income, and consent; must sign and date relevant signature blocks.
  • Loan Officer / HR — Verifies documents, attaches supporting proofs, and routes the packet to Pag-IBIG Fund.

Each participant has specific responsibilities: borrowers supply personal data, officers verify completeness, and HR or authorized agents may file on behalf of employees.

Core Sections to Expect on the Form

The co-borrower form is modular: personal data, employment and income, property and loan details, supporting document checklist, declarations, and signature blocks. Each section must be completed carefully to align with the primary applicant’s entries.

Personal Details

Full legal name, Pag-IBIG MID or membership number, current address, date of birth, nationality and government ID references as required by Pag-IBIG.

Employment & Income

Employer name, position, monthly income, length of employment and supporting payslips or employer certification for capacity assessment and repayment verification.

Property and Loan

Property address, purchase price or refinancing amount, loan term requested, and how the co-borrower’s liability is allocated within the mortgage.

Supporting Documents

Attachments such as ID copies, proof of income, marriage certificate if applicable, and duly signed seller or developer documents required by Pag-IBIG Fund.

Declarations

Affirmations regarding existing loans, adverse credit history, tax obligations, and consent to Pag-IBIG verification procedures.

Signatures

Signature blocks for co-borrower, witness or notary fields if required, and date fields; digital signatures may be accepted per submitting channel.

Essential Data Fields to Provide

Full Name: Exact name on government ID
Pag-IBIG MID: Membership identifier
Tax ID: TIN or equivalent
Date of Birth: MM/DD/YYYY format
Contact Information: Phone and email
Signature: Signed and dated

Step-by-Step: Completing the Co-Borrower Form

Follow these sequential steps to assemble a correct application packet and minimize processing delays.

  • 01
    Gather Documents: Collect IDs, payslips, MID, TIN, and property papers.
  • 02
    Complete Form: Fill all sections, matching primary borrower data.
  • 03
    Attach Proofs: Scan or include clear copies of supporting documents.
  • 04
    Submit Packet: Send via chosen channel and retain a submission receipt.

Where and How to Submit the Completed Form

Pag-IBIG accepts applications through several channels; choose the route that fits your location and whether electronic submission is supported for your case.

  • Online Portal: Upload the completed form and attachments to Pag-IBIG’s designated online intake when available.
  • Branch Submission: Deliver signed originals to a Pag-IBIG branch for in-person processing and acknowledgement.
  • Employer HR: Employers authorized with Pag-IBIG can forward applications for employee-assisted home loans.
  • Authorized Agent: Submit through a licensed broker, developer, or accredited agent where permitted.

Common Digital Workflow Settings for Online Completion

If you use an electronic form platform, configure fields and routing to match legal and Pag-IBIG requirements.

Field Configuration
Enable eSignature Allow signer email plus OTP verification
Conditional Fields Show spouse info only if married selected
File Attachments Accept PDF, JPG, DOCX up to platform limits
Signing Order Primary borrower first, co-borrower second

Technical and Integration Considerations for eSubmission

Confirm the receiving channel supports required file types, signature methods, and retention of a complete audit trail before sending electronically.

  • File Formats: PDF, DOCX, JPG commonly accepted
  • Identity Checks: Email, SMS OTP, or KBA for signer verification
  • Integrations: CRM and cloud storage connectors supported

Typical Timelines and Processing Expectations

Processing times vary with submission channel and document completeness. Expect verification steps and potential follow-up requests; plan accordingly to avoid financing delays.

Initial Review:

Typically 10–30 business days depending on completeness

Supporting Document Requests:

Usually within the first 10 business days

Underwriting Decision:

May follow review by 5–15 business days

Loan Release:

Subject to final clearance and disbursement schedules

Appeals or Corrections:

Timing depends on response and additional verification

Common Mistakes to Avoid

  • Mismatched names — Using different name variants across ID, MID, and application causes identity verification delays and may require re-submission with corrected documents.
  • Missing MID or TIN — Omitting Pag-IBIG membership ID or tax identification leads to rejection or requests for additional proof before underwriting proceeds.
  • Incomplete attachments — Blurred, cropped, or unsigned supporting documents are frequent causes of follow-up requests and extended processing times.
  • Unsigned or undated signature blocks — Pages missing signatures or dates commonly invalidate the application packet and require re-execution in-person or via accepted eSignature flow.

Risks of Incorrect or Incomplete Forms

Application Rejection: Processing halted
Processing Delay: Longer review times
Loan Denial: Possible refusal
Financial Liability: Shared repayment responsibility
Tax Consequences: Backup withholding risk
Fraud Allegations: Potential legal exposure

Representative eSignature Pricing and Capability Snapshot

Below is a compact comparison of starting prices and key plan attributes for common eSignature vendors; signNow is listed first per vendor conventions.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial Varies by plan Varies by plan Varies by plan Varies by plan
Bulk Send Yes (Business Premium) Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes Varies by plan Varies by plan
Envelope Cap No cap 100 envelopes/user/year Varies by plan Varies by plan Varies by plan

Frequently Asked Questions

Answers to common questions about signing, correcting, and submitting the Pag-IBIG co-borrower form; topics include eSignature legality, correction procedures, and document acceptance.


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